23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call from the debt collector in question on XX/XX/XXXX. I told the gentleman on the phone that I had no knowledge of the debt he was attempting to collect on and would be immediately disputing. He said he would be sending me all of the information on it and marking it as disputed. After discussing the above, i verified on my credit reporting app that no additional information was provided and actually discovered that the debt has originally been reported to all the agencies on XX/XX/XXXX. The debt collector proceeded to violate Section 809.a of the FDCPA by failing to provide me written notice, within five days of initial contact, of all necessary information regarding the debt. They also violated section 809.b by reporting the debts to the credit agencies without making contact with myself and eliminating the thirty day period to provide written notice of dispute. Thus eliminating my ability to properly dispute a debt as required BY LAW. They have also allowed the collection attempt to remain active on two of three credit bureaus after being notified of my dispute. Due to these violations and failure to provide adequate information, I have repeatedly requested the debt to be removed from my history because as far as I know this is a fraudulent debt collection attempt.
Product: Mortgage

I purchased a property with a note serviced by LoanCare Account Servicing. I made the first mortgage payment in XXXX. In XXXX I saw that they had taken multiple payments out of my bank account. Phoned them and spoke with XXXX XXXX at XXXX XXXX XXXX ext XXXX and she said it was a mistake, possibly a software glitch. XXXX XXXX promised me that the extra {$10000.00} would be returned and that she would call me no later than yesterday. Now she wo n't return my calls or my money.
Product: Money transfer, virtual currency, or money service

I zelled funds from my XXXX XXXX account to someones XXXX account. 
The {$1500.00} was taken out from my checking account instantly on XX/XX/22. 
When I contacted XXXX XXXX, I was informed that they can not push this transaction faster and its up to Zelle. 
Zelle stated that the fund is held up and will take 1-3 days to send to the receiving party. The receiving party called her bank and it was said that the funds is pending. 

It is UNACCEPTABLE that the money was instantly taken out from my account and is not available to the intended receiver. Obviously, if I send this amount of money to someone, its for an emergency. 
These financial institutions ( in this case : Zelle, XXXX XXXX, XXXX ) should not be allowed to take a persons money and have it in limbo!
Product: Money transfer, virtual currency, or money service

i posted a request on a XXXX group of freelancers many inbox me for their offers among them i accepted XXXX XXXX XXXX for the job i checked his profile everywhere and he seemed to be indeed a very professional person with a good IT background so we started the deal and he requested me to pay advance to be on the safe side, i sent him {$20.00} on XXXX XX/XX/2022 as from then he told me he will start the work feeling something weird, i made out a plan to tell him i need the project asap until yesterday XXXX XX/XX/2022, he told me i will get the work at end of night at XXXX on XXXX XX/XX/2022, he messaged me on XXXX saying : " XXXX XXXX not well my health is too much down please search another developer for your project. 
And send me your account details I will transfer your money. 
And am not able to reply you am in high fever hope you understand Thank you '' i knew he finally managed to scam me out of anger we had a discussion and he blocked me saying he will not refund my money because we discussed the {$20.00} advance payment was made through the XXXX payment XXXX
Product: Debt collection

representative calling me from an XXXX, stating she's a manager/supervisor attempting to collect a {$500.00} debt from XX/XX/2018 from a personal loan, and she could not name the company from whom is trying to collect the debt, but states she is trying to collect now {$2200.00} total. I do not have any outstanding personal loan debts from 2018. 
Representative had my SS # and DOB, which concerns me. As I continued to try and get more information, she hung up the phone and we were disconnected. As of today, I will be putting a freeze on my credit to avoid any further issues.
Product: Money transfer, virtual currency, or money service

I am complaining about Bank of America EDD program. They are forcing users to pay large fees during pandemic and unemployed people are suffering. I applied for unemployment the week of XX/XX/XXXX. The EDD department never sent me my bank of america card. I had to call and request it be mailed. It is XX/XX/XXXX and still no card. There site won't let me access my funds from EDD without the card. It claims once I have the card, I won't be able to transfer the funds to my normal bank, XXXX XXXX without paying a {$15.00} fee for each electronic transfer. That seems excessive to charge {$15.00} while everyone is using electronic banking rather than in person banking during the pandemic, especially, to charge that for unemployed people who would regularly never use their bank. I do not have a car either, so I can not safely go withdraw the money from their bank in person. I have to transfer the money to my XXXX XXXX account so I can use the funds to write a check with my check book to pay my XXXX rent which is 21 days late. Currently, they won't let me access my funds at all because the Bank of America card has not come in the mail at all. Bank of America should not charge unemployed people fees for money transfer during the pandemic. If 6.6 million unemployed Californians each have to pay {$15.00} to have their unemployment money deposited into their normal bank account, Bank of America will have charged 6.6 million times {$15.00} ( 6.6 mil people x {$15.00} XXXX. This is {$99.00} million dollars in {$15.00} transfer fees. This {$15.00} is charged each time the user makes the transfer, thus since EDD funds are distributed monthly. The Bank of America could take {$99.00} million dollars of EDD unemployment funds from Californians each month of the pandemic, while electronic transfers are the safest option for our health.
Product: Credit reporting or other personal consumer reports

insurance claim pd part of the loan and XXXX XXXX XXXX charged off and wrote off {$16000.00} did not send me 1099C for the cancellation of the debt.
Product: Prepaid card

I have tried using my gift card in over 15 different very large retailers no one accepts them, despite amex advertising as a accepted everywhere
Product: Money transfer, virtual currency, or money service

I signed up for a Square Cash/Cash App account back in XXXX, and my account has been in good standing ever since. 

I noticed over the weekend ( XX/XX/XXXX-XX/XX/XXXX ) that my Cash App card stopped working. After opening the Cash App and going to the Support page, I saw a message saying, " Your Account is Closed '' and " We're really sorry but it looks like your account is in violation of our Terms of Service. ( https : //squareup.comXXXX ). '' I read the Terms of Service, and my account is not and has never been in violation of the Terms of Service. I tried to speak with a representative about this by calling the number on my Square Cash Card ( XXXX ), as well as the number specified in the Terms of Service ( XXXX ), and both numbers played recordings saying to contact support through the Cash App. 

On XX/XX/XXXX, I contacted support through the Cash App as indicated, requesting that my account be reinstated and offering any additional information that might be needed. I received an immediate auto-response by email as follows : -- - Hello XXXX, Your Cash account has been closed and can no longer send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other violations of the Cash Terms of Service [ https : //cash.appXXXX ]. 

Unfortunately, we can not provide further details regarding our decision, which is final. We are unable to reactivate the account. 

If you have a stored balance, you can Cash Out the funds. If you have any issues, we recommend that you link a previously used or a new card/bank account. 

To Cash Out : 1. Open the Cash App and tap the dollar amount in the bottom left corner 2. Tap Cash Out > Confirm the Cash Out amount 3. Funds will deposit in 1-3 business days. 

We appreciate your understanding and cooperation with this matter. 

Thank you, Cash Support
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both Experian and the Original Debtor regarding the alleged debt owed. Both companies have failed to provide legal documentation at my request to validate the alleged debt. Ive been requesting this information since XXXX. Experian even added a late payment to the charge off account and now the account reflects 2 charge offs. How is the possible and/or legal?
Product: Credit reporting or other personal consumer reports

under section 605b ( 15usc 1681c-2 ) i am demanding immediate blockage of all accounts listed in this report as it was caused by identity theft. Furthermore under section 604 ( 15usc 1681b ) of the Fair Credit Reporting Act I request proof of the permissible purpose for the accounts and inquiries i have listed below. If no legitimate authorization exist the information must be removed given the potential of data breach. I also request investigation into the source of unauthorized access to my information in compliance with gram leach biley act known as ( GLBA ) 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 block and cease collection activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX Balance : {$1100.00} US DEPT ED XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

My original mortgage was re-sold to Valon Mortgage as of XX/XX/2023. 

XX/XX/2023 : Valon request condo Insurance XX/XX/2023 : I provide documentation of condo/building insurance as par t of my HOA requirement. 
XX/XX/2023 : Valon reports me late due to lack of insurance, and charges me + {$420.00} for insurance & late fees. I call Valon helpdesk and walk through steps on how to bring account up today. I agree to pay the {$420.00}, until Valon is able to process my proof of home insurance by HOA documentation. Was told that the extra $ will be credited to the following month. 
XX/XX/2023 : Same process as May ... re-submitting Insurance documentation, reporting me as non-payment even after receiving email that payment was received and applied. New request from Valon that I need XXXX insurance. ( I have lived in my condo for XXXX  years gone through various mortgage buy-outs and was never required to have XXXX insurance. I called Valon and after many calls a representative helped me open a ticket for someone to investigate my case and provide a detailed explanation. 
XXXX XXXX No communication from Valon -- late fees increasing. 
XX/XX/2023 : provided Valon proof XXXX insurance and request late fees to be remove and credit for their mandated insurance. 
XX/XX/2023 : Valon has not had a representative review my case in details, communicated with me via email nor telephone call. 
Company keeps bouncy me and providing genetic answer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. 

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022
Product: Debt collection

Dear American Express, I would like to report the Business Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX
Product: Debt collection

I have asked on numerous occasions, via email, to provide verification by producing a valid original instrument of indebtedness in its original form. All emails went unanswered. They are ignoring and/or overlooking my requests ; they keep resending, via standard mail, the same document, a statement, which is not a valid document to verify an account is 100 % verifiable and 100 % accurate per FCRA and FDCPA. In each and every month of the last 6 months, the account gets removed from my credit reports, to later be reinserted, with no reinsertion letter delivered within 5 business as required by Federal Law.
Product: Credit reporting or other personal consumer reports

I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately XXXX  years I notified XXXX on XX/XX/year>, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/year>, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/year>. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX XXXX and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.
Product: Debt collection

I placed my first and only call on XX/XX/XXXX at XXXX XXXX to IQ Data International XXXX XXXX to discuss a debt that was placed in collections. The amount that was placed into collections totaled over {$2500.00}. I initially spoke with XXXX who advised my agent, XXXX, was not in the office that day. I inquired when she would be back in the office and XXXX refused to answer. She attempted to assist me by asking how much I could pay on the debt at the time. I advised I would like to attempt to settle the debt and she stated she would put in a couple requests and go from there. I asked again when XXXX would be in and she refused to answer. She then stated she would submit a Hardship Form for me, but I politely stated I did not want to do that at this time. She then became extremely combative and condescending saying I could not afford to pay my debt in full and immediately placed me on hold without consent or even stating she would be putting me on hold. She cold - transferred the call a different male representative who was even more disrespectful and combative and not forthcoming at all. He continued on to ask me what do you do for a living and stated this conversation is soo fun for nothing for him. As if debt collection is some sort of joke or that his job is entertainment for him. He falsely stated that an eviction was filed on me with an apartment complex in XXXX of XXXX. Which is completely untrue. An eviction was not filed with the any XXXX XXXX court precinct. He also falsely stated that I did not provide a 60 Day Written notice to the property, which is also untrue. I asked if he could provide any court documents showing an eviction was filed and a document showing no written communication was received to the property notifying of me moving out. He immediately disconnected the call. The reason he disconnected the call is because he knows those things he stated are lies. My lease was over on XX/XX/XXXX. I moved out of the property in XX/XX/XXXX. I did not renew my lease and the property manager, XXXX XXXX at Trails at XXXX was aware I was not renewing my lease. No eviction was filed and proper notice was provided. IQ Data representatives did not meet their company values standards at all.
Product: Debt collection

XXXX XXXXXXXX XXXX  XXXX Westlake XXXX I dont owe them anything my identity got stolen and they got cars in my name that I didnt owe ask them for proof of was it me and they couldnt send me anything and these two people is taking a toll out on my credit when Im trying to purchase my first home and cant because they coming back as verified and update when this legal was not me who purchased these vehicles
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my report that need to be removed immediately
Product: Credit reporting or other personal consumer reports

The late payments listed do not accurately reflect my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but Equifax, XXXX  and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.