23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I was put on collection to the hospital I have never visited, and never had any services done. I had a visit to the hospital and all services from that day were paid in full- I have attached proof as well as a XXXX balance. Years later I received collection on my credit report for an unpaid bill from the same day. XXXX XXXX supposed date of service. 

I contacted GLA collections and was told it was for an emergency room visit from a hospital /service I had never used. I asked them to produce a single invoice or a description of services- they could not produce one. I asked for the contact information for the said location- they provide a number that does not work/ exist. I googled the same said company and found they have only 24 reviews total that are 1 star with all stating they were scammed the same way and there is not company nor contact information nor any billing or service evidence. The burden of proof is on the collection company GLA as well as said company XXXX XXXX XXXX proof that they can not produce. 

Please help me in getting this remove off all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 Section 604 states rights to consumers privacy reporting agencies can not furnish a account without my consent!

Santander Consumer USA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with Barclays. I discovered the theft in XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (   XXXX   ). I immediately contacted   XXXX   XXXX   XXXX   and Barclay and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called Barclays to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the   XXXX   card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX    com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from   XXXX   XXXX   XXXX  . Barclay did not response to my letter, but s ubmitted my case/debt to   XXXX   XXXX   XXXX   XXXX   ( a debt collector ). Now I am getting harassed by  XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not open.
Product: Mortgage

My mortgage company is Home Point Financial. They recently went through some restructuring and as a result of that they made changes to my account. In particular, they demand me to pay into escrow account. I didn't have escrow account with them and was very surprised at their sudden demands. Apparently, although I didn't have escrow account, they send money to my insurance company periodically without informing me and without my authorization. They split the money they paid to insurance into 12 parts and added them to my monthly mortgage payments. 
I complained to the company on XX/XX/2022. They were investigating my complaint for 3 months. Finally, I received response from them on XX/XX/2022 ( attached ). In the meantime, I assumed that while the issue is being investigated, I can pay my regular monthly mortgage payments. However, the Home Point did not accept my payment ( attached ) and reported me to credit reporting agency as delinquent account after 30 days. They refused to update my credit account.
Product: Mortgage

Grievance Notice under Clause 20 of the Mortgage & 12 C.F.R. 1024.35 XXXX Loan # XXXX # 1-There is an auction on my property XX/XX/XXXX @ XXXX XXXX XXXX Supreme Court # 2 Wells $ XXXX-I recently found that the Mortgage with Wells Fargo did not have a legal/property/tax-description or tax map information only an address thus making it a void instrument thus making the judgment of foreclosure void which does not allow them to proceed with the auction or any other recourse. Document date XX/XX/XXXX recorded XX/XX/XXXX ( attached is also a copy of the mortgage with my signature and notarys proper signature that matches the samples I attached in # 5 ). Recorded mortgage states my home is a 2 family it is actually a 1 Family. 
# 3 XXXX $ 313000-also does not have legal/property/tax-description or tax map information only an address thus making it a void instrument also. There is a blank paper with a stamp So in Original various times. Document date XX/XX/XXXX recorded XX/XX/XXXX # 4 XXXX XXXX XXXXwas the notary on both files and was incompetent to the point because of his incompetence they also forged my signature on the Wells Fargo Mortgage {$320000.00}. I would think that he lost the Wells file and then noticed that he didnt record the XXXX file so or the investor signed my name on the Wells file. 
# 5 XXXX- samples of signatures from State and court cases (  he is also an attorney ) they are different from the signatures on the mortgages. They dont match at all. I believe someone was signing for him # 5 Deed with the proper legal description XX/XX/XXXX # 6 Samples of my signatures during XXXX # 7 Notes # 8 Limited Power of Attorney naming XXXX XXXX -I had been in the mortgage industry prior to this foreclosure action ( I had a massive XXXX ) for approximately 20+ years as an FHA Underwriter and a loan originator. In my training I know what a Legal Name is. If you look at the mortgage with my proper signature you will find I inserted my middle initial A where needed. In the XXXX XXXX loan, it was done beforehand. Also, that if you sign in the wrong place it could void any legal document. 
-The attorneys involved have submitted to the courts documents that are of a Fraud and Forged documents that they and the banks knew of beforehand but completely ignored to proceed with this foreclosure. 
-I plan litigation under the following thus far ; 1 ) 18 USC 1341 : Mail Frauds and Swindles 2 ) New York Penal Law Article 170 : Forgery 3 ) Notary Fraud 4 ) NRS 357- Submission of False Claims to State or Local Government 5 ) Quiet Title Action 6 ) Fraud upon the Court for Perjury by Attorney for the Plaintiff And any other legal means that will be available to me to protect my home.
Product: Money transfer, virtual currency, or money service

Hello, I sent a wire transfer from my XXXX XXXX XXXX account to a Bank of America account. XXXX did not charge a fee for the wire transfer as I am a sapphire member. However, BoA rejected the wire because of " Missing Information ''. Furthermore, they did not disclose what the missing information was. When I called BoA they confirmed that the information was correct and were unable to tell me why it was rejected. They then refunded the money to my XXXX account but charge me a {$45.00} fee which was not disclosed and I did not agree to paying this fee. To make matters worse, XXXX XXXX XXXX hurricane Helene & Milton XXXX  We are trying to get our lives back together and although to some {$45.00} is nothing, to my family it is A LOT. Please make this right and help us get the {$45.00} refund from BoA. 

Thank you!
Product: Mortgage

Shellpoint Mortgage servicing is claiming that I have a escrow account. I pay the taxes and the home insurance myself and have never had an escrow account with this loan. 
Shellpoint is claiming that I owe {$500.00} for an escrow account.

On previous occasions I have asked Shellpoint to send me monthly statements via mail. 
As of the date of this letter I have not received a monthly statement. In addition I have requested the original Mortgage loan document from shellpoint. XXXX XXXX was the original Mortgage that I had and the loan was XXXX home loan. The loan has been sold several times and transferred to several companies. Shellpoint is not administering my loan in the terms of the original loan that I took out with XXXX XXXX.
Product: Debt collection

This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again.
Product: Student loan

I contacted American Education Services today on XX/XX/2018. I requested the assignment documents of my loans to XXXX. At this moment the operator did not know how to respond and put me on hold. She came back on the phone to tell me due to high customer volume this request may take a while and she was not sure when I could be receiving these documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX Request for Debt Validation, Assignment Contract, and IRS Form XXXX Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report.

Confirm in writing that this matter has been fully resolved.

Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Debt collection

On XX/XX/XXXX I sent letters XXXX for a request for a debt validation requesting evidence that I actually owe this debt the debt a letter stating that the debt was valid without actually send evidence that this debt is owed.
Product: Money transfer, virtual currency, or money service

When I contacted cash app I could not talk to a live agent to ask why my cash app was closed. They never provided my the information on why. Asked several times and they could not explain or give me a phone number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : XXXX, XXXX, and EQUIFAX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, XXXX, and EQUIFAX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, EQUIFAX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

XXXX XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I have venmo. I have a venmo debit card. It has never left my possession and I have never used it. I use Venmo on rare occasions. WHen someone owes me moeny and does nothave XXXX. I had money sent to me and when I got to work after the holiday weekend on XX/XX/XXXX I logged into my Venmo acct to transfer the money to my bank acccount and all but {$4.00} of my money was gone. There are XXXX seperate charges on my Venmo that are fraud. XX/XX/XXXX it says XXXX pending XXXX and XX/XX/XXXX is says XXXX Trip XXXX. I immediatly filed a dispute with Venmo. It said it could take 10 days to investigate and resolve my issue. I received XXXX emails from venmo later the same day denying my disute. the emails provided more info on the fradulent charges, showimg location as XXXX XXXX, XXXX. I live in Alabama. I sent them screenshots of pictures I took with my phone on both of those days showing date, time, and location of where the pictures were made and that info was recorded by my phone. It also shows my phone ID and Venmo has that on file showing where I have logged into Venmo with that phone ID. I also contacted XXXX and recieved an email from them stating they had no record of those transactions so that alone proves its a scam. Its either Venmo just stealing my money or they were hacked and my card number was stolen from them and someone posing as XXXX got the money. EIther way i sent proof these XXXX charges were fraud and I disouted the denial claim and the last communication I received on this from Venmo was 8 days ago stating they were investigating further. All they had to do in the first place was contact XXXX just like I did and they would know XXXX has no record of it. If they didnt do that then what exactly have they done to " investigate '' it? Because if they did they would know I did not make these charges and reufnd me my money. There was no reason to deny the claim in the first place and now they are dragging thier feet and not doing anything to resolve this. I also have a screenshot of texts that venmo sends to my phone any thime there is any transaction and it doe snot show any transactions doe on the date the fradulent charges were made. I don ; t understand why and the only thing I can think of is that Venmo is the one that stole my money and did not want me to mow about it until a later date so they coudl trya nd get away with it.
Product: Checking or savings account

My account was recently closed with Venmo and all of my life savings are in this account I can not pay rent Im currently being evicted for not paying rent due to me not having access to my funds they unlocked it and I tried to transfer money out then they locked it again I cant understand the reason for this I just wish to receive my funds without getting legal council involved
Product: Checking or savings account

I downloaded the moneylion app on XX/XX/XXXX. They were offering money giveaways and once in the app, they offered rewards for gaming. So I earned said rewards ( with a few in game purchases to help hit the offered reward goals ) and tried to set up a XXXX account to be able to withdraw the rewards. Went through the process and was auto denied because my social didnt match the name on the account. I couldnt change it in app. So I called them after frustrating exchanges with a chat bot and talked to XXXX on XX/XX/XXXX. He at first said there was nothing I could do but then after being pressed, said I could change my name in the app if it was put in by accident ( typo ) I said that it was an accident since I didnt see a disclaimer saying the legal name should be used when signing up. I submitted the documents to them and was told the issue would be reviewed/resolved in XXXX business days. It was hard to keep track of that with the holidays so I counted and it had been over XXXX business days since I submitted the documents. So today XX/XX/XXXX I called them. I spoke with XXXX and explained the situation and requested a supervisor, after a few deflections and XXXX minutes of holding, I was transferred to XXXX XXXX I was essentially told that there was nothing he could do and that the information I was given from XXXX on XX/XX/XXXX was false. I mentioned the documents to him but those had no weight in the situation since I put the name XXXX ( legal middle name XXXX which Ive gone by my entire life ) when signing up for the app. Nothing could be done. No resolution was reached or even attempted. I mentioned that when trying to sign up for the XXXX account there was a disclaimer for the ssn # saying it couldnt be changed in the future. I asked why I didnt notice a disclaimer for the name when signing up for the MoneyLion app and was basically blamed for not using my legal name which is the root of the issue. 
Complaint reference number : # XXXX
Product: Money transfer, virtual currency, or money service

I made a Money Order purchase for XXXX XXXXXXXX at PLS Store - XXXX XXXX XXXX XXXX XXXX Tx XXXX [ XXXX ] on XX/XX/2021 ' I was recently notified by my former apartment that the said Money Order was neither received nor Cashed Out. 
I have contacted several PLS stores, Employees and Customer Service [ XXXX - XXXX and the are unwilling to give me a refund. I need help recuping my money Thank you
Product: Debt collection

I was notified of this debt in XX/XX/2021 on my credit report, I immediately called and paid. I have been paying on this hospital bill monthly but did not know this was a separate bill. My dad was very sick and I was taking care of him by myself, he passed away XX/XX/2021. The hospital bill is paid off. I contacted the XXXX XXXX and they were happy to help get this removed from my credit report. I also contacted CMRE to ask them to remove, they were very rude. You can look at my history and I have always had good credit. This has ruined my credit even after paying and at my age this is devastating! I have always been very vigilant in paying my bills! Please help me get this removed. Iv even hired help which is costing me XXXX/month. If I had known this was a separate hospital bill I would have made arrangements to pay it. Life is hard as it is and this has absolutely ruined my life. Please help me!!
Product: Credit reporting or other personal consumer reports

I have an inquiry from XXXX And XXXX XXXX , XXXX XXXX that I do not recognize I have never applied to any of these institutions
Product: Credit card or prepaid card

I had 4 transactions made out of my account that I didn't do. The way I found out that the transaction were made was when I was trying to use my card and had no funds. I called bank of america. They way we were able to track what transactions weren't mine. The way the their took out the money from the account was they checked the balance first and then they did a withdraw so each time they checked they wouldn't overwithdraw. Also some of the transactions were made in banks of America Iocations I have never been too. This is like the third time I get scammed and gave to fule a claim only this time no one is helping. All they asked for was a picture of my I.D and still denying the claim. I need my XXXX $ as soon as possible. Please help me they have denied my claim over 5 times