23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX ACIMA CREDIT responded to a complaint I submitted through the CFPB. With the response they also provided the lease agreement and a statement. Upon further inspection of the documentation I noticed many fraudulent pieces of evidence. I have attached a complete rebuttal to their response and listed a more detailed account of the following violations, 1. 15 USC 1692e. ( 2 ) ( A ) The false representation of- the character, amount, or legal status of any debt ; a. Acima has contradicted themselves stating this alleged account was charged-off, or uncollectable, in their response labeled Exhibit D, yet are still trying to collect.

2. 15 USC 1692e. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
a. Acima reported to XXXX  report, labeled Exhibit C, inaccurate information regarding payments that were made XX/XX/XXXX and XX/XX/XXXX that they were aware of according to the statement THEY provided labeled Exhibit B. 

3. 15 USC 1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

a. Acima sent multiple emails labeled Exhibits E, F, G, H and I encouraging a settlement be made in general or with the use of my tax return in connection to this charged-off, or uncollectable, account. 

4. 15 USC 1692g ( a ) 3,4, and 5 Validation of Debts a. Acima has never provided me, the consumer, with ALL the proper documentation required under this subchapter.
Product: Credit card or prepaid card

I received notice that my account was due to be closed on XX/XX/2022. I made a request for a replacement card on XX/XX/2022 at XXXX pm. I was given the assurance by the representative that the account would not close with the request for a new card. Nothing was told to me that the time limit still was in effect and that the card would need to be used almost immediately after arrival. Furthermore, the email stated the card should arrive by XX/XX/2022, but they closed the account on XX/XX/2022, not even allowing for their window for card delivery times to complete.
Product: Debt collection

I have sent you guys my Identity theft report according to my certified letter receipt you guys received this letter on XXXX XXXX, 2022. I have not received any proof that this lease agreement is mine. You guys have not sent me any Signed XXXX agreement nor have you proven that this debt is in fact mine! I demand this be removed immediately!
Product: Checking or savings account

A woman was using my bank account ( both routing and account number ) to pay her XXXX XXXX  XXXX  bill. Our account numbers are one number off from one another ( This looks to be an honest mistake ). At first, the amounts debited out of my account were small, {$70.00}, and to a lender, XXXX, that I have used so I didn't realize it wasn't my account until two transactions of {$250.00} were taken from my account on XX/XX/XXXX. I looked back through my account and realized the transaction have been coming from my checking account since XX/XX/XXXX and it is now XXXX. In total {$1200.00} was taken from my account. When I contacted Chase to get my money back, they refunded me the first 90 days worth of transactions from the date in which the ACH 's were coming out of my account, totaling {$340.00}. I am still out {$950.00} and Chase told me to contact XXXX XXXX  in order to get my money back. I called XXXX  and they told me because I am not the account holder, I can't report fraud. I have gone through all the avenues to get my money back and no one can help me. Chase won't do anything further, XXXX won't talk to me. I have filed a police report and a fraud report with Chase but nothing is being done to help me.
Product: Debt collection

On XX/XX/2023 I sent a dispute request to XXXX XXXX XXXX and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to 15 USC 1692g these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.
Product: Credit card or prepaid card

Cap One is reporting an unpaid balance and reoccurring delinquency dates for two cards that they canceled the debt on and issued me 1099 's for in 2015 to pay taxes on as income. They are illegally reporting these items still after all these years. 

See the screenshots of the 1099 's and recent credit report attached for the two accounts ending in XXXX and XXXX
Product: Debt collection

THEY ARE VIOLATING MY RIGHTS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE. 

ACCORDING TO : 15 U.S.C 1681 SECTION 602. 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Product: Debt collection

I presume this company is trying to contact me about a past due bill. I HAVE NO PAST DUE BILLS or outstanding debt. I believe them to be a scam company. In XX/XX/2011, all outstanding debt on my credit report was handled as part of my divorce and either settled, written off, or paid in full. NO BAD DEBT OR OUTSTANDING BILLS are on my credit report, nor have they been since XX/XX/2011. This company keeps asking for personal information from me and I have told them not to call me again. They have now called my landlord. I have contacted the company and requested they not do this again, but I do not know if they will comply. AGAIN, I have not had any outstanding/past due debt on my credit report since XX/XX/2011. I check my report regularly and I do not see any evidence of identity theft either. So AGAIN, I presume this is a SCAM.
Product: Credit card

I APPLIED FOR A MILESTONE/CONCORA CREDIT CARD IN XXXX OF 2024. HAD THE CARD FOR QUITE SOME TIME BEFORE I ACTIVATED THE ACCOUNT IN XXXX OF 2024. I WAS CHARGED AN ANNUAL FEE OF {$170.00}. ANNUAL FEE IS 12 MONTHS, 365 DAYS A YEAR. I PAID THE CARD OFF IN XXXX OF 2024 AND WAITED FOR THE PAYMENT TO POST AND CALLED IN TO CLOSE OUT THE ACCOUNT IN THE BEGINNING OF XXXX OF 2024. REPRESENTATIVE I SPOKE WITH CLOSED OUT MY ACCOUNT AND I STATED THAT I DO NOT WANT THE CARD ANY LONGER AND SINCE I AM CLOSING OUT THE ACCOUNT THE REPRESENTATIVE STATED THAT I WAS ALL SET, THE ACCOUNT WAS CLOSED AND HAD NO FUTHER OBLIGATION TO THE ACCOUNT. I EVEN RECEIVED A LETTER FROM CONCORA/MILESTONE STATING THE ACCOUNT WAS CLOSED. THE BEGINNING OF XXXX I KEEP RECEIVING TEXT MESSAGES FOR A PAYMENT DUE, PUZZLED AS TO WHY, I REACHED OUT TO THE COMPANY. AGAIN SPOKE WITH SOMEONE AND THEY STATED THE ACCOUNT WAS CLOSED. ASKED THEM AS TO WHY DO I KEEP RECEIVING MESSAGES ABOUT A PAYMENT. I WAS INFORMED THAT IT'S POSSIBLE THE WEBSITE AND/OR APP HAS NOT BEEN UPDATED BUT SHOULD REFLECT YOUR CLOSED ACCOUNT SOON. I THANKED THE REPRESENTATIVE AND HUNG UP. A FEW DAY LATER GOT ANOTHER MESSAGE THE ACCOUNT WAS PAST DUE AND A {$30.00} FEE WAS CHARGED TO ME! I CALLED AGAIN EXPLAINED I CLOSED OUT THE ACCOUNT AND WAS NO LONGER LIABLE FOR THE CARD. I GOT TRASFERRED MULTIPLE TIMES AS TO NO ONE COULD EXPLAIN TO ME WHY. FINALLY SPOKE TO A SUPPOSED MANAGER WHO WAS RUDE AND NASTY TO ME AND I EXPLAINED TO HER WHAT I'VE EXPLAINED TO OTHER REPRESENTATIVES AND SHE SAID WELL WE DO NOT OPERATE LIKE THAT. YOU ACTIVATE THE CARD AND YOU ARE RESPONSIBLE FOR THE {$170.00} ANNUAL FEE. I EXPLAINED TO HER WHAT WAS USED WAS PAID OFF IN FULL AND I CLOSED THE CARD OUT A FEW DAYS LATER. I THEN EXPLAINED THAT ANNUAL MEAN 12 MONTHS, 365 DAYS AND HOW IS IT FAIR TO ME AS A CONSUMER TO PAY AN ANNUAL FEE FOR A CARD THAT I CLOSED OUT LESS THAN 90 DAYS LATER AND NO INTENTION TO USE FURTHER? HOW ARE THESE PRATICES FOR US CONSUMERS FAIR? WHY DO THESE COMPANIES THINK IT IS FAIR TO TAKE OUR MONEY? NOW, THIS CARD I AM PAST DUE BECAUSE OF THE ANNUAL FEE THAT I REFUSE TO PAY AND IF I DON'T FEEL IT IS RIGHT FOR ME TO " THROW MY MONEY AWAY '' INTO THEIR POCKETS FOR A CARD THAT IS CLOSED AND NO LONGER WANT. NOW IF I DO NOT GIVE THIS UNETHICAL COMPANY THE MONEY FOR THE ANNUAL FEE FOR A CLOSED CARD THEY WILL REPORT THIS NEGATIVELY TO MY CREDIT REPORT. HOW IS THAT FAIR TO ME WHEN I COMPLETED MY OBLIGATION AND NOW I HAVE TO BE PENALIZED?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with Bank of America, and I was denied.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian needs to update/correct my consumer file with Correct name : XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Correct DOB : XX/XX/XXXX Correct employer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Correct Accounts : XXXX XXXX XXXX Dated opened XX/XX/XXXX XXXX - as paid off XXXX XXXX Date opened : XX/XX/XXXX - $ XXXX paid off XXXX Dated opened : XX/XX/XXXX XXXX $ XXXX as paid off XXXX Dated opened : XXXX XXXX - $ XXXX as paid off The fact that these credit agencies assumed the role of reporting different information is why I keep getting denied for credit. I want to finally purchase a home and need my info to be accurate on my consumer report at each credit agency. 

They have reporting inaccurate information since they assumed the role in XXXX I need my consumer report to be accurate now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : Accounts : XXXXXXXX XXXX XXXX XXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00} XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX BXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

So today XX/XX/XXXX XXXX XXXX put a collection on my credit report saying the original creditor is rock capital which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) B, as highlighted in the CFPBs recent administrative proceeding ( File No.XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with necessary proof of investigation.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Shellpoint mortgage in XX/XX/XXXX after being with XXXX since XXXX. Issues atarted immediately after the morgage compnaies changed.

1. They hid all the previous morgage transaction records and hostorical records.

2. Disbaled access to the previous website and redirected the pages to newrez ( shellpoint ) website.

3. Auto scheduled payments wre pulled out of the bank account multiple times and payments were not applied to the loan!. When disputed they returned one payment back by mailing a check.

4. For the manual payment that was setup aftre speaking to the service rep from a differeny bank account, the amount was taken from the bank account, but the amount was negated in the transaction list.

5. They have stopped taking the customer calls, chat message option seem to a fraud. Nver responfds to any emails set out. Over all they seem to be running a BIG SCAM at this point of time. 

Request you to look into this ASAP as they might abscond soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my Equifax Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.
Product: Debt collection

This company refuses to provide me verification and validation of debt per my right under the FDCPA. I do not believe this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 records 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. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sold my home and I received a partial payment from the title company. I deposited the XXXX check into my KeyBank account. After waiting 7 days the check was cleared and I was allowed to get a little over XXXX of my money then a hold was put on my account and I have not had access to my money since the XXXX of XXXX. The money was deposited on XX/XX/XXXX. I was told that the suspected fraud with the check. So I called fraud department with the man from the title company. Because I was told I needed to provide proof of where the money came from. The man from title emailed the bank a copy of the cleared check from his account and the deed and bill of sell from the house, I also sent them a copy of the paystub from check. Still they will allow me access to my money and can not tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.
Product: Debt collection

I do not know who XXXX XXXX XXXX is and I do not have an account with them. XXXX XXXX XXXX has been issued a cease and desist, request for certificate of assessment and request for a debt disclosure. Request was sent via certified mail - Receipt # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed derogatory and collections that I did not make nor did I approve anyone to pull my credit report
Product: Debt collection

Hello I have filed a police report for this debt because it was identity theft. They refuse to remove it from my credit. I have sent them debt verification letters and they refuse to send me verification despite sending it via certified mail with proof they received letter.
Product: Money transfer, virtual currency, or money service

Cash app they sucks soo much and they are absolutely no help very selfish. Just jerks. XX/XX/2023 at XXXXXXXX XXXX a store clerk from XXXX XXXX  gas station over charged my card TWICE when I only spent a few dollars in store and {$1.00} outside at the pump both times XXXX XXXX was taken off my card. Which was all my money at the time. Not to mention there are two declined charges from the same gas station both for {$40.00} each. Cash app did refund me for one of the stores charges. However the denied the other charge which they still owe me {$37.00}. Instead of paying that back they let the store take my {$40.00} and the {$2.00} I actually owed. Which left me with a negative balance. Cash app has never ever never let me slide and go into the negative before this. So they not only let the gas station rob me for {$42.00}. But now they refuse to stop payment thats going though on a whole different incident. I had all receipts I called the police, and any other necessary proof needed for both of these fraudulent transactions. Yet cash app just keeps letting loss my money over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Checking or savings account

On XX/XX/year>, we were the victims of a scam that took money from our Wells Fargo checking account in the amount of {$7900.00} and a {$2500.00} cash advance on our Wells Fargo Active Cash credit card. We immediately reported it to Wells Fargo via phone. After that, we received correspondence via mail and email saying that each event has been closed. 

Since then, we have filed a police report and had 2 meetings with the local Wells Fargo branch. When we met with the Sherriff 's Department Investigator, he took our report, signed it and commented that these scams are frequent and that, of all the banks he has had to deal with, Wells Fargo was the worst about actually helping their customers. 

All subsequent correspondence from Wells Fargo confirmed his statement. The company is saying that 1 ) they will not restore our checking account and 2 ) that we also owe Wells Fargo and ADDITIONAL {$2500.00} for the fraudulent advance on our credit card. 

So, in short WE have to restore Wells Fargo " their '' lost {$2500.00}, but they will do nothing to restore us.
Product: Credit card or prepaid card

My XXXX XXXX is currently going through a merge. Customers were not able to make payments for weeks online but could in store. I made two payments in store with cash on XX/XX/22 for {$250.00} and XX/XX/22 for {$310.00}. Neither of those payments have been posted to my account but my payments I did online have. Every time I call customer service they either dont put me on hold and the call hangs up or no one picks up the phone and I sit on hold forever. Today I got through and they said they didnt see the payments. I told them I had receipts for these payments and when I asked to speak to a supervisor because the employee ( XXXX I believe was his name ) was not understanding me the supervisor XXXX XXXX I believe was her name or something similar ) just told me to wait a few days. I was also charged a finance fee even though card holders were told finance fees wouldnt be charged during this time because payments werent posting. They have been doing nothing to help accommodate these issues for their customers. I work at a XXXX XXXXXXXX as well and have heard customers upset about their payments as well and customer service is not doing anything to help.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX options which involved me making deposits for a total amount of XXXX XXXX ( around XXXX USD ) from my CashApp account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-providing evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.