23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received a phone call around the XXXX of XXXX from someone asking for our address. They stated that there was a debt that was owed to them and they needed our address to send the collection notice. 

We received one letter around the XXXX of XXXX from Convergent Outsourcing Inc stating that we owed them {$2300.00}. They claim that the original debt was with XXXX XXXX, XXXX. We do not know of this creditor and we have never opened an account with them.
Product: Checking or savings account

What happened I have a years worth of charges ( over XXXX ) to my bank account due to a stolen debit card number. The amount totals {$10000.00}. My bank, citibank, is pushing back saying their investigation shows evidence the charges are mine. I vehemently disagree and have written numerous letters, emails, executive response team correspondences, and made countless phone calls. They claim the charges are my responsibility. The merchants who made the charges are not even real parties. They have fake websites, fake phone numbers. They may have people that answer but they ask for more personal information to help. I am at my wits end with Citibank whose investigation is very superficial. In fairness, I did not notice the charges for awhile. But even in this case, Citibank will not respond timely to my claim of fraudulent charges within their 60 day notification window. Their response is you have shown a history of purchases from these merchants. In my defense, the history they speak of is also fraud and I have explained that to them. I have never authorized all of these charges, I do not have merchandise, nor receipts, and any type of proof other than the fact that these so called merchants, if someone were to really investigate, are all fake. Citibanks response times and letters are slow and often wrong. They even listed the wrong account numbers on their response letters to me! The charges were under various merchants names that sound like websites. They almost look real until you dig deeper and check the websites- which do not actually exist. The amounts were small - between {$75.00} and {$200.00} in most cases. There are over 90 separate charges from some of the same merchants as well as different sounding names. Citibank actually agreed with me in one instance of the same merchants charges but not on subsequent charges I reported as fraud, from the same merchant. Citibank also claims the charges were swipes. Impossible. The merchant 's could not have swiped my card nor could I have swiped my card. Citibank has done a poor job of protecting my bank account. These charges are not of my doing. Citibank is not fully investigating as they claim to be. They told me to send documentation to their address ins XXXX XXXX TX. I did so register and certified by the postal service. I have the receipt. They then claimed to not have received it. They have been very difficult to converse with. I made it to their executive response unit which they say is the highest I can appeal to. Their responses have been no better. Is there someone at the FTC who can help me and who may want to understand the depth of the fraud and these companies who stole my banking information? I will answer the questions below as best as possible. The fields do represent the situation since I was never contacts, there are various merchants, various amounts over a long time period. I have the names of all the merchants acts with amounts, and their info as per bank statements.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX  is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity theft. So I went to login to my Experian account for a credit report, and my login email address has been changed. 

it appears that the thieves have changed the contact email on my Experian account, so I am unable to login to Experian and see anything related to my credit. Per the attached, I have never used an email address such as the one indicated. Never. 

In order to rectify its URGENCY, I have spent substantial time and effort today, Saturday XX/XX/2020 from XXXX until XXXX PST attempting to reach someone at Experian. Literally dozens and dozens of calls have been made to both XXXX and XXXX and XXXX, with hundreds of options to choose from every time that all lead to a robotic voice directing me to login to the Experian site to resolve any issues - which I obviously can not do as the thieves have changed my login information. I have selected every option hoping to reach a live person, but NOT A SINGLE OPTION WILL DO THAT! 

I CAN NOT find a single live person at Experian to help me. 

This is ridiculous, and MUST be rectified. 

I have already placed a security freeze on my credit report, but that is not a solution to the problem of thieves taking over my Experian account. 

Meanwhile, thieves are still out there ruining my credit via Experian, pretending to be me, and Experian have no way in which to help. 

Essentially, by making it impossible to provide me with an immediate solution, they are complicit in the damage being caused. 

NOTE : The last time I complained about the very same thing at Experian, they merely sent a letter with a copy of my credit report. No apology. No change in policy. No follow up. Nothing. That is unacceptable. Be accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXXXXXX, 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 Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I had explored debt consolidation options from Great Lakes, according to them, XX/XX/2016. What I did n't know was that it triggered an automatic forebearance that kicked in for XX/XX/XXXX and XX/XX/XXXX. That meant that my automatic payments of {$660.00} were not payed for those two months, that no payment was made at all, and when it expired a recalculation to my account was made that dropped my automatic payments to {$160.00} and I actually saw my debt increase by {$220.00} due to the accrued interest. ( Debt XX/XX/2016 = XXXX, XX/XX/2016 = {$14000.00} ) I never even completed the process for the consolidation, as I was just doing research to investigate the process. I have no record of any notification of this forebearance and the impending recalculation. Compounding the issue was that these changes took place just as my XXXX email had expired since I had graduated a year prior, which they had as my primary contact. It would have helped for them to have a backup email, or to understand the school policies regarding emails, as this ca n't be a unique issue. When I spoke to them on the phone they said it was n't their fault and that there was nothing they could do about my accrued interest during the forebearance.
Product: Checking or savings account

It was a random night my cash app and email was hacked and someone was able to log into my cash app and pull small withdrawals ( {$250.00} ) from my XXXX XXXX  account totaling {$4200.00}. The person labeled this transfer as car parts which I would never make this type transaction. This made my XXXX XXXX account negative. I had to use my personal income tax to pay this off because XXXXXXXX XXXX told me the withdrawals came from my personal cash app. I disputed this several times and cash app did not resolve it nor did they even give a resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to see my credit report not letting me see it cra, ftc  violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier XXXX has 5 inquires and transunion that are not mine encloses
Product: Debt collection

I do not have a signed contract agreement with National Credit Systems therefor I do not owe any money to National Credits System. 

I am requesting a signed copy from XXXX XXXX showing my signature for the charges of {$1000.00} ( not the lease ), where did I sign agreeing to these charges? A receipt is not an acknowledgment without my signature stating that I agree to those charges. A copy of a lease is not acceptable!! Please show me a signed signature on the receipt stating that I owe that amount to XXXX XXXX ( again not a copy of my lease!! ) and that I agreed to those charges. The lease is not proof that I owe {$1000.00} to XXXX XXXX. 

Again, I don't have a signed contract agreement with National Credits System. National Credits System needs to provide me with proof that I owe National Credits System. Provide me with a copy of a signed agreement between myself and National Credits System.
Product: Mortgage

My father passed away and left a house to my XXXX siblings and myself. I have lived in the house since it was purchased 9 years ago, and make the mortgage payment. In XXXX, 2015, XXXX XXXX XXXX, the mortgage holder, sold the loan to Seterus. Since that time I have been trying to get information about the loan, but they will not talk to me about it. They say they must have the name of the Administrator or Executor of the estate. There is not one. My father died in XXXX, without a will, and we completed a Small Summary Administration where the Judge divided the property among the XXXX of us and it was complete. The judge said she had no jurisdiction over the house because it was in XXXX. After several conversations with Seterus since they took over the note in XXXX, 2015, I have done and sent everything they have asked for. I have sent the Summary Administration from XXXX and the Affidavit of Heirship from XXXX, along with my father 's death certificate, as requested from Seterus. During the last two conversations with Seterus, I was told first that the legal documents were not sufficient and then that ( apparently they were ) they could not talk to me, but could talk to my sister. I then began to receive mail from them, at the house address where I live, with her name on it. Not only has my sister never spoken with them, but she has had repeated brain surgeries since XXXX of last year and is not involved in the house matter. The only way that Seterus could have my sister 's name is someone picking a name off of one of the legal documents - her name happens to be listed first. I retained an attorney this week, she called, and they wo n't speak to her either. I have paid what I believed to be the mortgage payment every month, but I am not sure what the amount is, due to several pieces of mail from Seterus with differing amounts due. At the end of the last conversation with Seterus, I asked the young lady what I should do since they would not tell me anything about the loan. She said to just keep paying the mortgage. I asked how, since I was unsure of the monthly amount due ( the change in amount came when they set up an escrow account ). She told me that, though she should n't be telling me, the amount I had paid 4 days before, {$1000.00}, was the correct amount. Several days later I received a statement that the payment was {$1200.00} per month. The next day I received mail stating that the mortgage was behing one month, and that if they did n't receive {$1700.00} by XXXX XXXX, they were going to begin foreclosure proceedings. Two days later I received a statement saying that {$1900.00} was owed. I have done everything they have asked. With the exception of XXXX people, they have been extremely rude and unyielding. When I asked for someone in their legal department, they said they could n't help me. I am at my wits end. I have made payments every month, calculated by what the original amount was, plus the yearly property taxes divided by XXXX. Please help. I do n't want to lose my home, but I can not seem to get through to these people. Thank you in advance.
Product: Credit card or prepaid card

I got a text on my phone this morning that my bank WF -- -- -informed me of unauthorized charges from XXXX XXXX on XX/XX/20. There were two charges on {$100.00} and the other $ XXXX {$200.00}. Only time I used this card was at XXXX in XX/XX/XXXX, CA @ XXXX XXXX payment of my XX/XX/XXXX credit card {$53.00} and purchases of {$7.00} which sadly I had to use my PIN # because it was DEBIT VISA card. 

The WF rep., also those me the VILLIANS tried 3-4 times at SuperShow several times which got declined. With " their '' persistence, they were successful on their LAST tried and double their amount. 

I got a case number from my bank # XXXX for verification that I reported to them.
Product: Credit card

I have a TJMAXX card that I can use everywhere and recently noticed they are charging me a fee {$1.00} for a paper statement. They want me to go online to see my monthly statement. I don't want to use online because of the risk of hacking, most companies just don't have the security they need to fully protect their clients. 

This card is serviced by SYNCB. 

This action forces a person to have access to internet/online capabilities, many people do not. I realize I can close account and move on, but SYNCB serves many companies, i.e. XXXX for one, I am sure there are many more. When you add up the {$1.00} monthly charge for paper statement, this is millions of dollars that the consumer is expected to pay. 

Sending a paper statement via XXXX XXXX, is their cost of doing business and should not be past on to the consumer.
Product: Money transfer, virtual currency, or money service

When Zelle first came about I sent money to the wrong people be mistake and I was also scammed out of money as well.
Product: Credit reporting or other personal consumer reports

Ive asked 3 times for proof that this account was verified as mine. I wanted the bill of sale, original contract with my wet signature, chain of custody, and purchase agreement. The company is XXXX XXXX SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDIT COLLECTION
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity,  everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in XXXX XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years
Product: Vehicle loan or lease

Unknown account. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Product: Credit reporting or other personal consumer reports

Multiple companies and credit agencies reporting incorrect information causing hardship as a consumer. Data and addresses are old causing delinquency. Adverse action has been taken violating my consumer rights and CFR laws not honoring UCC
Product: Credit reporting or other personal consumer reports

Transunion Credit Agency has repeatedly reported inaccurate information on my credit report. They continually report my name and address wrong. I have submitted many disputes since XX/XX/2022 to have all inaccurate information removed according to FCRA laws and they continue to show wrong names and old addresses on my credit report. There are also credit inquires that should not appear on my credit report according to the Fair Credit Reporting Agency Laws, because this information has not been verified that me as the consumer has applied for these things. They are clearly breaking the law.