23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is XXXX XXXX is also listed on my credit report and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts have my signature however the signature/date for the sales consultant is different on each contract. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX   as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, XXXX XXXX only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract. 

Lastly, I went to my state 's Office of Financial Regulation page to verify the license of XXXX XXXX XXXX and to verify if they are licensed to collect in my state. My state 's page show 's NO RESULTS FOUND for this company. This means they are either not properly licensed to do business as a collection agency or operating under a different name, which both are illegal.
Product: Money transfer, virtual currency, or money service

I made a purchase with my cash card at XXXX using XXXX app to purchase my goods. I wasnt able to get my goods due to technical issues on XXXX app. XXXX stated I needed to dispute the transaction through my bank to get a refund as they are unable to refund me on their end.

Cash app refused to investigate my case. I submitted multiple disputes, Ive contacted cash app via customer support, phone, email and social media.

My disputes were denied in less than 24 hours each time indicating no one actually investigated my case. 
Cash app also restricted my cash card therefore I can no longer make purchases using cash app. 
I was accused of fraud even after submitting a letter from XXXX explaining my case with cash app and my dispute was not resolved after this. 
When I requested the reason for my denied claim, cash app sent me a copy of the transaction.
Product: Consumer Loan

BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Account Current Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -- XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : XXXX XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT COLLECTION SERVIC-Account Current Balance : XXXX XXXX XXXX XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Product: Money transfers

I will try to make a long story very concise with my concern. : I transferred a total of {$3600.00} in an intra-bank ( Bank of America ) wire-to-wire transaction, only to later determine ( after the deposits ) that I was defrauded. The banking institution 's policy is that since this is a wire to wire transaction, I am not protected by the financial institution for this type of transaction. The bank currently has a freeze on the account and is investigating the incident, HOWEVER, they have expressed to me that I am NOT eligible to have my money refunded from the fraudulent account until they make contact with the account holder ( the fraudulent criminal!!! ). Since they have not made contact with the fraudulent account holder, my claim is being denied. Then bank is unwilling to tell me if this denial will unfreeze the account. What criminal in their right mind would return a call? Why arent the facts in this case enough to reverse whatever remains in this account?
Product: Credit card

A target in-store cashier convinced me to open a Target Credit Card when I already had one open as of 2015, and the cashier told me I did n't have one opened in the past. Now it 's on my credit report and now I have XXXX Target Credit Card 's when I 'm not even using the XXXX. I called Target customer service who said that he would close my new card that the cashier opened for me recently and that he would close the card after transferring the owed balance to the old card. That does n't resolve the issue because that 's now on my credit report for a unauthorized credit pull as I was lied to about not having a red card opened in the past when I clearly did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX has not been able to verify this account and the credit bureaus Equifax and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 PayPal froze my account and banned me from the service for an incorrect accusation. I have reached out to them to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted of a credit pull on my Equifax credit report. As I have XXXX Id protection plan in place and have a credit freeze already in place, I am concerned why there is an entry from XXXX XXXX XXXX XXXX Box XXXX XXXX XXXX, XXXX XXXX Credit card $ XXXX XXXX posted today. I do not have a XXXX card and have not attempted to file for any cards. Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXXThe ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 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: Debt collection

I have been inquiring with LVNV Funding about a debt that I have no knowledge of. They sent me some payment details that Im still not aware of. I was desperate to fix my credit so I called the company on XX/XX/2023 stating that although I have no recollection of this account I would just settle it to get rid of it. They advised me of a 20 % discount and I advised them that there was absolutely no way I would pay that for something Im unaware of. I decided to complete the necessary steps to have thos debt taken care of no matter the time it takes. Below is my validation request from LVNV funding. 

To Whom It May Concern : This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 

The agreement bearing my signature stating that I have agreed to assume the debt. 

A complete and correct social security number that may help identify me as the party you are collecting from. 

A copy of the government issued Identification presented to incur this debt. 

Valid copies of the debt agreement stating the amount of the debt and interest charges. 

Proof that the Statute of Limitations has not expired. 

Complete payment history on this account along with an accounting of all additional charges being assessed. 

Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 

A purchase agreement or assignment from the original creditor to your company. 

Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car and received a loan in XXXX of XXXX  from Prestige Financial. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX did do the right thing and removed this from my credit report.However, XXXX and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX shows the balance on this account as {$21000.00} and XXXX shows the balance as XXXX. Now how can this be? It's only one or the other. I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Product: Checking or savings account

Hello, I have an XXXX Bank of America savings account where my unemployment money goes into. On eXXXX XXXX, 2020 I discovered that my account has been a victim of fraud and {$8600.00} were stollen from my account. At the time I was overseas and I had the debit card to the account with me. When I called BOA they assured me they will be able to review security cameras and see who stole the money and that the would start an investigation. 
They never sent me any paperwork to fill out nor asked for proof or evidence from me even though I told them over the phone multiple times I could provide proof. They froze my account and I was unable to access it for 4 months. This week I was finally able to unfreeze it but they have not returned the money into my account. They closed my fraud claim and never gave me an answer as to why. I filed a " reconsideration '' but I find it incredibly unjust and feel at this point like BOA has robbed me. This is unemployment money that I need during a global pandemic and I have tried sorting this out for months and keep hitting a wall with them. I am not sure what do to at this point - Take this to the media? Get a lawyer? your help would be greatly appreciated.
Product: Vehicle loan or lease

I am writing to formally request the removal of an inaccurate item from my credit report. The account in question is listed under the name Westlake Financial Services, with the account number XXXX This account should no longer be reported on my credit file due to the following court ruling. Enclosed is a copy of the court statement, which clearly states : " ON THIS DAY, came on for consideration in the above-entitled and numbered cause the Receivers Motion to Terminate Receivership ( No Funds to Disburse ). The Court, having considered the Motion, the records of this Court, and the evidence presented, finds that proper notice to the parties has been made, the receivership should be terminated and the Receiver should be discharged. Therefore, Receivers Motion to Terminate Receivership ( No Funds to Disburse ) is in all respects GRANTED as follows ; IT IS ORDERED that this receivership is hereby terminated, the actions taken by the Receiver during this receivership are approved, and the Receiver is discharged and released from further obligations or liability with regard to this receivership. '' As the receivership has been terminated, and there are no funds to disburse, this account is no longer valid. Therefore, I am requesting that you remove the Westlake Financial Services account from my credit report immediately. Please investigate this matter promptly, and send me a confirmation letter once this account has been removed. I appreciate your timely attention to this matter. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I reached out to Citi Bank on XX/XX/23, regarding payment assistance/settlement options. Im currently experiencing extenuating medical issues, on top of which Im dealing with the aftermath of the loss of my brother due to XXXX. I have always been on time with payments. My payment is due in two weeks, I reached out early as I did not want to fall into delinquent status. When I called, the representative told me to request payment assistance from those around me. I find this extremely inappropriate, insensitive and unprofessional.
Product: Debt collection

I sent a validation of debt letter to 1st Franklin Financial dated XX/XX/2020, after receiving a letter dated XX/XX/2020, from 1st Franklin Financial stating that they had just received a debt that was transferred to them that belonged to me. 1st Franklin then sent me a letter on XX/XX/2020 refusing to validate the alleged debt that they state belong to me. 1st Franklin Financial is now in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. 1st Franklin Financial has failed to provide me with following information : What money they say I owe, explain how they calculated what they say I owe, provide copies of any paperwork that show I agreed to pay what they say I owe, provide a verification or copy of any judgment, identify the original creditor, prove the statue of limitations has not expired on the account, show me that they are licensed to collect in my state, or provide me with their license number and registered agent or agent service. 1st Franklin Financial has also continued to harass me about a unverified validated debt, by continuing to write to me. I have attached the two letters I sent to 1st Franklin Financial as well as the three letters I received from 1st Franklin Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a new car and my credit was pulled without my authorization. 
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCI 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 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 ALLY FINANCIAL 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/22/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Checking or savings account

At Chase bank I tried to deposit cash into the drive through ATM. I tried to deposit {$900.00} and the ATM only took {$200.00} and gave me back the rest of the {$700.00}. I tried to do a separate transaction to deposit the rest of the {$700.00}. It took my cash and on the screen it said a big red error screen saying that the ATM can no longer accept cash deposits and then it gave me a receipt that said to verify the funds were deposited. I have had the case opened twice with chase and they keep saying that the atm balanced. I asked them to check the cameras to show that I am not lying ( my receipt has the exact date and time of the transaction ) but they said if I want to see the cameras I need to get a lawyer and get a court order. Basically they have told me theres nothing I can do and that they will not reopen the case or acknowledge my receipt, and wont even try to look at the cameras.