23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt. 

I have not received the additional information I requested, and they continue to attempt to collect the debt by phone. 

Instead, they continue calling me and leaving incomplete phone messages. 

I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.
Product: Credit reporting

I have contacted Equifax on numerous occasions concerning this problem and it has not been resolved. In my experience their customer service agents are not very knowledgeable in regards to rectifying problems. Equifax has removed an account that is open and in a positive status on my credit file. The account to which I am an authorized user on, is my spouse 's XXXX XXXX XXXX, account number : ****************. It showed up for two days and then disappeared. I have contacted XXXX and they have assured me that they report the account to Equifax every month. I can also confirm that the account reports to XXXX and XXXX every month. By not reporting this account my credit score is suffering and I am having a difficult time obtaining a mortgage.
Product: Credit card or prepaid card

1. Citibank is attempting to collect on a debt, under my name, that they have yet to validate. I have called numerous times, yet they are unable to provide me answers. 
I want to see validation. I am reporting the account as a fraud account that I personally never applied for, also I have police affidavit and other id theft reports. 
2. Why does Citibank deny me 0 % liability for unauthorized transactions and fail to report my disputed transactions to CRA 's. One example, XX/XX/2017, {$560.00} to XXXX XXXX, unauthorized. 
I called and reported the charge in XX/XX/2017. Citibank issued me a new card and number, but continues to deny me of my rights to dispute the charge. 
3. I found out, independently that one XXXX XXXX applied for a Citibank Checking Account using my social security number. 
Why did Citibank not notify me, despite my name and XXXX XXXX showing up after entering my XXXX in Citibank 's computer system? Why was I never notified, until I addressed it to Citibank President Office? Years after the incident?
Product: Debt collection

Im regards to payment : all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ). All debts today are discharged by promises to pay in the future. All Federal Reserve notes are registered securities and promises to pay in the future. They are secured by liens on promissory notes of collateral owned by real people. The statutes do not provide the Federal Reserve Corporation a monopoly on promissory notes, as debt collectors insist. Real people create promissory notes that are usually sold to the FED in exchange for their promissory notes. The FED uses the promises of the peoples collateral to secure their notes. If people want their, commercial instruments to be legal tender, they must be secured by a maritime lien on your prepaid trust account recorded at the county and registered on a UCC1. It then becomes a registered security and a financial asset that can be negotiated.

Im regards to the contract : The Fair Debt Collection Practices Act 15 U.S.C. 1601, 1692, 1693, provides remedies for deceptive or unconscionable contracts and allows payment in any legal tender. The contract was deceptive and unconscionable if the actual debt was zero. 
I would also like to add CFPB vs. Santander which my contract is the very same reason Santander was sued. In 2020, Santander reported my car loan as paid off due to a disaster. I believe my loan was reported as such because of this lawsuit. I also asked for specific documents that Santander has refused to provide. They have also not included the wet ink signatures between myself and Santander. 
I asked for the following : They will show that the corporation has an offsetting liability to the debtor pursuant to FAS 95, GAAP and Thrift Finance Reports ( TFR ). These records include : 1.

FR 2046 balance sheet, 2.

1099-OID report, 3.

S-3/A registration statement, 4.

424-B5 prospectus and 5.

RC-S & RC-B Call Schedules
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my free credit report through the XXXX cite. After revising the information in depth. The SSN on the XXXX report was incorrect. The addresses shown only 2 were correct. Additionally, accounts that I have closed and paid off still list on the Accounts open, and also credit cards that are XXXX XXXX XXXX still reflect under XXXX XXXX. I show 11 to 20 accounts open which in incorrect.
Product: Student loan

I obtained my loan in XXXX when I had enough equity in my California home to pay the $ XXXX cost of the XXXX 's program upon graduation. In XX/XX/XXXX the housing market crashed, esp in California and my home was well upside down. No more equity. And not my fault, or rather completely out of my control. And finally, no more home since I had to leave the state for continued employment. Now XXXX/Navient wants me to pay on a loan that 's edging closer to $ XXXX due to interest since XX/XX/XXXX. I simply can not afford it so I keep forbearing and I do n't have much of it left. Is n't there any help for those who lost so much money in the housing crash? Lost everything???
Product: Credit card

A " Line of credit '' which was presented as a " credit card '' with this company was paid off and closed. Apparently there was an XXXX balance that was being reported as delinquent well after this card was paid and closed. A balance of XXXX was paid completely to satasfaction and an XXXX dollar balance at first was constantly being reported late. I called to resolve and paid the XXXX dollars ( Which should never been charged in the first place ) in which months later until today they continue to report it on my credit report as " Past Due ''. The account should no longer be on my credit report as we are in good standing with another product. Which we stated this and consistently stayed on top of this by calling. We've now written letters and what they've sent was hardly satisfactory.
Product: Credit card or prepaid card

This is a complaint for the American Xpress XXXX card. Last night on XX/XX/18 I tired accessing the mobile app and web website to check my balance. Nothing would load on either one, so I called customer service. They said the systems were down and to call back in 1-2 hours. I waited until this morning XX/XX/18 and again both systems are down. I should have my direct deposit form work today and I cant access any of the funds to pay my bills or get groceries. When I called customer service back, they again said systems are down and it would be 1-2 hours and to try then. I advised them that what they told me last night. The woman form customer service said sorry there isn't anything she can do. So here it is, 5 more hours later and still no access to see my funds, or most importantly to use my funds to pay bills and eat. This is completely unacceptable and you would never hear about an issue like this on the " regular '' credit card side of things. Where is the business continuity plan for the XXXX side of Amex? This is costing me and many others a ton of inconvenience, frustration, and again most importantly money!
Product: Checking or savings account

Fraud was made in my acct. I was not notified that a check was signed and deposited via atm and also a {$1000.00} withdraw was also made from an atm with out my approval. I usually get notifications via fraud text messages for approval. I live 1 hour 30 mins away from area atm was used.
Product: Debt collection

I need all false information removed from my report. I have repeatedly advised and submitted the affidavit stating that addresses, work info and information that is incorrect or not me. It has not been removed. The agency, Equifax has removed some of the fraudulent items but not all. This continues to be a great burden on my name and reputation as a consumer. Stating that items came back verified simply means that it was verified that the thief actually made these transactions. Not one person or entity contacted me, my friends or family concerning this. So who actually verified this fraud?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.
Product: Credit card or prepaid card

citi Costco card charged {$3000.00} FRAUD -- -- not authorized ... .. Going on for months. Citi won't issue CREDIT. Numbers used NOT card. XX/XX/19 XXXX XXXX XXXX XXXX crooked lawyers ... .... # XXXX
Product: Credit card

Having signed up for a XXXX XXXX XXXX from Citi, I finally received my new card, at which point the difficulties authenticating and using the card began : 1 ) The initial call to activate my card was complicated by the automated system and CS rep being unable to locate my card number or account, despite me verifying the physical card in front of me several times. The card was finally able to be activated on the XXXX or XXXX try. 

2 ) The activation then required the physical insertion of the card into a card reader before I could use contactless. I did this, without incident. 

3 ) After that, I tried to add the card to XXXX XXXX, which told me that it couldn't add the card without verification from the bank, and to call the bank. 

4 ) I called, and received Fraud Services, which seemed unable to verify my account with the ( correct ) information provided. They asked if they could call my workplace to verify I told them they couldn't and they then told me the only way to unlock my account would be *to send a physical letter to my address*. 

I have, quite literally, never encountered a fraud prevention call like this. In general, it's possible to confirm my identity with a few questions, as has been the case in interactions with XXXX XXXX, XXXX XXXX, numerous credit unions, etc. Instead, for some reason, Citi seems to think that using mid-20th century technology landlines, USPS is not only permissible but preferable in XXXX. The mind boggles. 

To ensure that this wasn't a fluke with a single CS rep, I called again, only to be told my account was " under review, '' with no further explanation as to what that might mean. 

To be clear, this was a card with quite literally *one* transaction, for {$12.00}. 

It would behoove the fraud department at Citi to try coming into this century, discovering a wonderful thing called the internet, and to try bringing its practices into compliance with standard practice for basically every financial institution in the country. 

More pointedly, I would propose the CFPB press Citi to make those changes, in order to stop harassing the customers it seems to want to profit from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im writing to address an issue with a {$350.00} charge that was taken from my account on XX/XX/XXXX. I believe this charge was made in error, and Id like to explain the situation and request a resolution. I signed up for a membership in XX/XX/XXXX and only used the gym for about a month. In XX/XX/XXXX, I told someone at the front desk that I wanted to cancel my membership. I assumed it was canceled because I wasnt charged for the next six months. However, on XX/XX/XXXX, I noticed a {$350.00} charge on my account. I went to the XXXX location to speak with the manager, but she told me the charge was irreversible and couldnt explain why it happened. She said she would follow up with her supervisor but never got back to me. I called again on XX/XX/XXXX, and spoke to the same manager. Once again, she couldnt give me a clear reason for the charge or provide a resolution. To make matters worse, I contacted my bank to dispute the charge, and they declined my dispute twice, stating they found no error. I find this extremely frustrating because no reasonable explanation has been provided for the charge, and it clearly feels unauthorized.
Product: Credit reporting or other personal consumer reports

Your company XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures. 


Account number XXXX
Product: Credit card

I have been dealing with issues with XXXX XXXX Comenity bank card for sometime now. There is always an issue, secretly charging and applying fees. Misleading information from different departments. Just recently an issue with the hardship department. I am asking for a thorough investigation to be done on my account.
Product: Debt collection

I enrolled with XXXX XXXX XXXX in XXXX of 2018 and, per their advice, changed my contact information with them to the XXXX info. They called my personal phone and attempted to collect the debt. I informed them at that time that I had contracted with XXXX which, in Washington State, is legal  representation. I told them on their recorded line not to contact me anymore and to communicate with XXXX. I told them I knew they had the contact information readily available because I had updated my information to XXXX XXXX. They contacted me and left voicemails at least 14 more times between XXXX to XXXX of 2018. I still have the voicemails saved on my phone.
Product: Vehicle loan or lease

I bought a brand new car from XXXX XXXX in XXXX, NC in 2013. It was a lemon from the first day I drove it off the lot! I became Leary of the vehicle after numerous parts were defective on the car and broke down. I ask these people to please make this right and put me in a safe vehicle. They denied me over & over again. I had no choice but to volunteer the car back to them. They resold the vehicle, collected insurance money and have damaged my credit in the meantime! They ( Santander ) say I owe them {$10000.00}. They should have to pay me for the XXXX Ive been through about this horrible car! Please, somebody help me?
Product: Checking or savings account

I went to US Bank to close my XXXX XXXX account in XX/XX/XXXX and followed up in XX/XX/XXXX. When I gave my ID to the teller she told my grandmother account was closed already but I have a charge off amount that I need to pay. I told the teller have a have charge off balance with them over {$300.00}. I told the teller I closed my account by in XXXX with a XXXX balance. The teller goes to tell me the account was opened in XXXX, Kansas. I told her that was odd because I have lived their since XXXX. The tell goes to tell me to call the fraud department for US Bank. 

So I called the charge off department and the fraud department tell them know it was not me that opened that account in XXXX, Kansas because I haven't there in over 20 years. I even asked how did the account get open with out my ID the fraud department couldn't answer the question. So the lady that I spoke to said that she will file a police report that day. And as of today I have not heard back from US Bank. 
I had for me to open account with a bad check account that I didn't open. The information show up on Checksystem.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. 

Violations : Failure to Recognize XXXX XXXX : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. 

Repossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. 

False Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as " charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.
Product: Debt collection

Lvnv funding LLC is trying to connect is that for XXXX I have asked them by law and send a certified and notarized letter to the company and to the bureaus about this issue and ask them to be resolve his mind prove that that sent out the contracts with my signature on it and I have not received any of that information to back up their claims I do not have any relationship with this company never did or any type of contracts they are attempting to collect on a date that I have no knowledge of or nor care company I look for some assistance to handle this matter because this is hindering my credit and my financial stability.
Product: Checking or savings account

On Tuesday, XX/XX/2022, I purchased an airline ticket from XXXX XXXX through XXXX XXXX, which is connected to my citizens bank account. There was a hold placed on my XXXX $ and I never received a ticket. I called both parties and they both told me that there was nothing they could do and to contact the other party. I told them that I would file a complaint and they told me that thats what I would have to do.
Product: Debt collection

I'm not familiar with this company. I don't recall conducting any business with said company
Product: Credit reporting or other personal consumer reports

Inaccurate credit reporting. My student loans were in deferment with XXXX and since they took over i have incorrect information reporting that has damaged my credit report. I called and they advised me to call the credit agency. They are reporting inaccurate according to XXXX XXXX XXXX. I will file litigation suit against them if this isn't resolved. I am so sick of inaccurate credit reporting and you allow them. According to them, I was in forebearence. If thats the case why are you reporting inaccurate information
Product: Debt collection

Balance owed {$1200.00} There has been no response to many of my letters to XXXX, XXXX or XXXX  about this account. Letter was sent XX/XX/20, and follow ups on XX/XX/20 & XX/XX/20. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Also sent letters to Commonwealth directly on XX/XX/20 and a follow up on XX/XX/20 and they have also not responded. 

Date opened on XXXX show XX/XX/20 but XXXX  and XXXX  show XX/XX/20. ( this was also changed from the first report on XX/XX/20 ) The last active shows from my original report on XX/XX/20 when I started this dispute showed XX/XX/20 on XXXX  & XXXX but XXXX showed XX/XX/20.