23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection notice from Diversified Adjustment Service , Inc. regarding an alleged debt owed by XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( b ) and the Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788.17 ), I submitted a written request for validation of the debt within the required 30-day period.

Despite my request, the debt collector failed to provide the necessary documentation to validate the debt, including : Proof of their legal authority to collect the debt. 
A copy of the original signed agreement with XXXX XXXX. 
A complete payment history and breakdown of any charges, interest, or fees. 
Chain of custody records showing ownership of the debt. Additionally, I believe this debt may be time-barred under California 's statute of limitations ( California Code of Civil Procedure 337 ), but the debt collector has continued collection attempts without confirming the enforceability of the debt. 

Additionally, the debt is being reported to credit bureaus without proper validation, which may be a violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( b ).

I believe Diversified Adjustment Service , Inc. is engaging in unfair and deceptive collection practices by continuing collection efforts and credit reporting without validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease company ACIMA has been lying and denying my rights and at this time I have been discriminated against. XX/XX/2020, I contacted ACIMA credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me
Product: Credit reporting or other personal consumer reports

I filed a dispute on Bounce AI due to problem with a company 's investigation inti an exi0stig problem. XXXX denied following up with the investigation. I was notified that the CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information and failure to notify consumer dispute results. XXXX has not attempted to remove and/or correct any information. I am requesting this derogatory remark be removed and/or corrected as soon as possible as it is affecting my chances of being able to get a car with lower apr rates. This violates my rights as a consumer as well as federal laws by disputing through XXXX.
Product: Credit card or prepaid card

I had an account for an Old Navy credit card through Synchrony Bank ( formally GE Capital ) that was opened around XXXX. Due to loss of income, the account became delinquent within a few years and was closed. In XX/XX/XXXX, I paid off the account with through XXXX XXXX XXXX XXXX. This agency supplied me with proof of payment that I still have. Within about six months I began getting calls from a different collection agency about this account and provided them with the proof of payment. Since early-to-mid XXXX, this paid-off debt has been sold over and over again to at least three different ( if not more ) collection agencies. Every time I am contacted by a new collection agency I supply them with the proof of payment but within a few months, I am being contacted by a different agency. I have contacted Synchrony Bank on several occasions and every time I am told that my account has been sold to a different debt collection agency. On XX/XX/XXXX, I received a threatening call from who I assume was a scammer who had my personal information including my social security number and address. This caller who claimed to be working on behalf of Synchrony Bank threatened me repeatedly. I once again contacted Synchrony Bank trying to resolve the issue and was informed that my paid off account was sold to XXXX XXXX XXXX agency. Synchrony bank continues to refuse to help resolve the issue. I have offered multiple times to send the proof of payment but they continue to refuse. This account is not reflected on my credit report but I am being threatened with lawsuits at least twice a year for a debt that I have paid. I am attaching a copy of the proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. 
XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

( XXXX ) subject to section XXXX XXXX XXXX XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.
Product: Checking or savings account

I bank with USAA, on XX/XX/2021 someone transferred from a previous bank account I had 8 years ago with XXXX XXXX XXXX. In amount of {$8800.00} into my checking account and also {$8000.00} into my savings account. And then I called USAA about these deposits that I did not authorize. On XX/XX/XXXX, someone withdrew {$5700.00} from my checking account at a ATM from XXXX XXXX in New York. I did not make these transactions. Then USAA credited me {$4700.00} which left me negative {$1500.00} in my account. On XX/XX/2021 someone withdrew the {$8800.00} from checking and {$8000.00} from savings. I called USAA about these transactions everyday. Then XX/XX/XXXX, USAA ruled in my favor and told me the case was closed. Then on XX/XX/XXXX, they ruled against me, saying that I owed {$5700.00} in my checking account without explanation. Then XX/XX/XXXX, USAA collected {$5700.00} out of my checking account. Which left me negative {$5700.00}. On XX/XX/XXXX, my Social Security XXXX was deposited into checking and was used towards the negative {$5700.00}. So I was unable to pay bills and buy food.
Product: Money transfer, virtual currency, or money service

My account received several payments last XXXX until this month of XXXX. However, when I tried transferring the funds to my bank, Paypal denied my transfer and to make it worse, restricted my access to the account. To add to that, Paypal is still accepting funds coming in from my clients while restricting me from accessing the funds. It has been about 2 weeks now since they restricted my account and until now I still can not do anything about my funds. Since I do not have access to the funds, my business has suffered a great setback as I am unable to fulfill our services and pay our suppliers. Hope you can assist me.
Product: Debt collection

In XX/XX/2016 I moved to a location where XXXX XXXX XXXX could not provide service to me. when I called in to try and move my services thats when I was informed they did not provide service in that area and also told me they would wave my cancellation fee because of the inconvenience. About 3 to 5 months letter I receive a letter from a debt collector stating I owed XXXX XXXX XXXX for a early termination fee. I decided the battle was not worth it so I went a head and paid off this debt.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Curacao Thursday XX/XX/2020 to complain about inaccurate collections reporting on my credit bureau. Said they couldn't do anything. Then turned around on XX/XX/2020 and updated my XXXX  report to 119 days, or 4-5 months late. This account was never late on minimum amounts due, and is reporting also 30 days late and 60 days late. Also reporting installment account, incorrect amounts and incorrect terms, when this is a revolving account that has been closed for a while, plus I requested to close the account, not the grantor.! Curacao reports what ever they want when ever they want, which violated the consumers rights! They do not cooperate with account verificiations at all, when they have 30 days to respond. Certified letters are ignored as well. 

See attachements
Product: Debt collection

i think this company is some sort of scam. because all of the cars we've bought, have been paid off in full in less than 3 yrs. the name she said was XXXX XXXX and the number seems to be from XXXX. she first tried identifying me by asking for my name then went on to ask for my phone or cell phone numbers. and then she went for the SS #. that's when i stopped her and asked was that some sort of scheme. i just called them back because they've called daily now for about 4 days sometimes twice in one day, but never left a message. so i blocked them and called them back to see if maybe they were trying to get in touch with someone else. once i told her about the SS # she started back peddling and telling me it was an automated dialer and she would take my number off. because i told her if they were some sort of schemer i would call the police. this is their phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX has violated my rights with these unauthorized inquiries. 

. Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I've never lived at these addresses listed above. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$4700.00}
Product: Student loan

I would like to upload you my loan statements so you can see how my payments have been misappropriated on my Parent Plus Loan. The times I 've called for explanation, the person answering the phone sounds like a college student and the only advice they give me is to " make larger payments on the principle and you 'll see the balance go down. '' I had complained several times that my balance owed NEVER GOES DOWN even after making regular monthly payments of $ XXXX/month. Last month they notified me that my monthly payment is going up. Early on they dumped {$10000.00} of capitalized interest into the loans which were in deferment while my son was in school. At least 21 months they applied none of my payment to principle, only interest. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : 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

XXXX XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/XXXX, my son, XXXX, made a {$700.00} payment toward my First Progress account from his XXXX account. I saw that the payment had posted, but my available credit remained at XXXX. On XX/XX/XXXX, I called First Progress to inquire about the issue and was instructed to provide proof of payment. I immediately sent a screenshot showing the {$700.00} deduction from my sons XXXX account, as directed. That same evening, my son sent an email from his personal account, which included a signed authorization letter, a copy of his drivers license, and his contact information for any further questions or concerns. 

On XX/XX/XXXX, I followed up for a status update but received no response. I sent another request on XX/XX/XXXX, stating that if I did not receive a case number or update, I would escalate the matter by filing a complaint with the CFPB. Later that day, I finally received a response with a nine-digit case number, XXXX, and was told to call XXXX. However, when I called on XX/XX/XXXX, I was informed that this was not a valid case number. I was then placed on hold for an extended period, seemingly in the hope that I would hang up. After remaining on the line, I eventually spoke with a manager who, instead of resolving the issue, added another requirement, now asking for a full bank statement from my sons XXXX account showing the deductionsomething that had never been mentioned before. 

Each time I have submitted the requested information, First Progress has responded with additional demands instead of resolving the issue. I was also told that a supervisor would call me, but that never happened. When I call, my calls are often disconnected. My account remains restricted, and this situation has not been reflected properly on my XXXX credit report. I am seeking assistance in getting First Progress to properly acknowledge and apply the payment, restore my account access, and ensure my credit report is accurately updated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX stated they will take care of all my issues!! 
XXXX XXXX sent me an email stated they closed the account XX/XX/XXXX!!!
Product: Credit card

CareCredit- I pay my bill every month and can not catch up on payments due to high interest rate and hidden fees. I have not used my card in months and I am almost maxed out. The female stated the promotion is over and there is nothing they can do to lower the interest rate to a reasonable amount. I was not aware I was paying a hidden fee for insurance on the card until last week. Most customers get Carecredit in an emergent situation. Nowhere in the application does it have an option for insurance. I have been charged an extra $ XXXX a month depending on my balance. Carecredit customer service gave me a number to cancel insurance. The female I spoke to stated they only sign customers up for the program if they have an electronic, written, or verbal confirmation. I stated I did not give permission and was unaware I have been paying this hidden fee since XXXX. The female stated it is somewhere in Carecredit application, but doesn't know where. When I spoke to Carecredit she stated I needed to contact the insurance company. I can't get a straight answer from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified items on my consumer report that are a result of identity theft. These items listed are all 2nd paid transactions that do not have my written or verbal consent to report all items listed ( documents attached/ enclosed ). According to 15 USC 1681 C-2 I am filing this complaint. The items listed are also a violation of 15 USC 1681 ( a ), ( 2 ), exclusions, 15 USC 6802 ( b ) opt out. Some of creditors were warned by USPS mail about my rights as a consumer by ignored my correspondence and continued to violate my rights as a consumer.
Product: Debt collection

My daughter 's father and i enrolled her together at XXXX daycare with the understanding that we split the bill ; this was also understood by the daycare. XXXX XXXX ( father of child ) discontinued payment in XXXX 2015 and XXXX XXXX XXXX did not notify me of this until XXXX 2015 ; i had continued to make my payments faithfully, ( i have all receipts. ) I was then contacted by XXXX, Inc ( at my job no less ) attempting to collect the debt that XXXX XXXX acquired. I told them upon first contact that it was his bill, not mine and not to contact me regarding this ever again. I then called the XXXX about it and the owner, XXXX, assured me that she submitted both our names and info. I just received ANOTHER call again, At my Job, today regarding this debit that is not mine. Not only had i already told them not to contact me again and they did, he was very unprofessional and rude, making statements that were inappropriate and acting like they were trying to get ahold of XXXX. Regadless, they are not following FDCPA federal laws at this collections agency. i have been in the industry and i know for a fact if someone says not to call again, you do n't call again.
Product: Mortgage

I have repeatedly asked Citizen 's Bank to send me a mitigation loss application so I can apply for loan modification ; they keep saying they are going to send it, but never do. It has been more than a month now since my initial request they mail me an application.