23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received correspondence from Apelles , LLC regarding an alleged debt they claim to collect on behalf of U.S. Bank. I subsequently requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and applicable California state laws, specifically the XXXX Fair Debt Collection Practices Act ( XXXX ). 

However, the documentation provided by Apelles , LLC is insufficient and does not meet the legal requirements to validate the debt, as it : Does not include a signed contract by me showing my responsibility for the debt. 
Does not present evidence that the debt has been legally assigned or transferred to Apelles , LLC. 
Does not provide a detailed breakdown of the amount claimed ( principal, interest, fees, and penalties ). 
Despite these deficiencies, Apelles , LLC continues to attempt to collect this debt without fulfilling its legal obligations. 

Additionally, there is a concern about the misuse of my personal data, as I do not have a direct relationship with Apelles , LLC and have not authorized the use or transfer of my personal information. This could constitute a violation of the California Consumer Privacy Act ( CCPA ), in addition to general privacy and consumer protection principles.

Problem Description : Illegal collection attempts : The company has not provided adequate documentation to validate the debt, in violation of the FDCPA and XXXX. 
Misuse of personal data : Apelles , LLC has not explained how it obtained my personal data or the purpose of its use. 
Lack of transparency and legal compliance : XXXX has not fulfilled its obligation to provide complete and accurate information about the alleged debt and the handling of my personal data.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account XXXX XXXX Account # XXXX the account is reporting incorrectly. The consumer agencies knows they can not lawfully validate or verify this account. The banks are federally insured and dont incur any losses due to the insurance being paid on defaulted accounts. The law further states any account charged off with a balance should be returned to the consumer. This is my final attempt to get the consumer agencies to follow law as it is outlined or face the consequences.
Product: Credit card or prepaid card

So I have been a victim of identity theft with Oklahoma unemployment insurance and XXXX unemployment insurance I was XXXX  for 20 months during the time of the victimizer using my information to obtain multiple payments I have reached out to XXXX XXXX  and Oklahoma go program I have provided all required documents showing my XXXX  and other supporting evidence just to be denied I really need help retrieving all the money that was stolen from me during my XXXX. I have been lied to and no resolution for my case has been provided except denials I dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX spoke with a representative about my credit card payment. I stated to the rep that I had been trying to reach someone in customer service since XXXX about wanting to return the items which was the balance due in acct. Rep stated no worries she would take care of late payment and not to make any payments because she had sent in request to not make payment due to customer return. I for proof email that she did that she stated she could not send me a email but not to worry my credit would not be affected. Call again on the XXXX spoke with another rep she stated the same thing not to worry everything was already put in my account would not report negative. On XX/XX/XXXX I got a negative reporting stating 30 days late called spoke with rep on XX/XX/XXXX he said the rep did not submit request correctly and thats why it was reported late. I made the payment of XXXX he stated that he would put the request in to credit back team to remove negative impact and give me my points all back. On XX/XX/XXXX I get another negative report to transunion 68 points dropped because it was just reported to them and XXXX  as well Im very upset I mean emotionally distressed because of this negligence unacceptable customer service experience from XXXX representative. On XX/XX/XXXX I called spoke with a foreign agent XXXX first she gave me fake I.D number XXXX then she said XXXX she lied about what the rep notes stated in the system put me on mute I let her know the call was being recorded she never came back I hung up called back got a american agent XXXX I .XXXX XXXX she stated that the back office did not do their part after the both reps submitted payment relief application on my behalf to have minimum payment waived with late fees as well she it was their fault for not handling it in a timely manner and correctly. This should be updated no later than XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  XXXXXXXX XXXX EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX AFFIRM member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXXXXXX XXXX 

I was supposed to receive FOLLOW UP by the AFFIRM INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed affirm again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the affirm customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with AFFIRM all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

AFFIRM reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and XXXX score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two AFFIRM accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to AFFIRM but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of AFFIRM to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY AFFIRM ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until AFFIRM confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in AFFIRM and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX AFFIRM DISPUTED ID THEFT XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 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 ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

after reviewing my credit profile, I noticed several fraudulent items on my credit report per 15 U.S code 1681b -permissible purpose of consumer report I have listed all accounts on my FTC report. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX $ $ {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX $ $ {$1000.00} TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}
Product: Debt collection

I lived at an apartment complex in 2019 in XXXX Washington and moved out at the end of the year. When I left I was given a balance statement showing my balance as paid in full and my refund coming. At no point did I receive any contact from their management office about a balance owing and only heard so when I pulled my credit report and saw an item for {$6000.00} from a debt collector. I reached out to the collector directly and they couldn't understand why an individual would be demanding about having an erroneous item removed from their credit report but, I was in fact and let them know I'd also been a victim of identity theft. They let me know this was not that but that the management office sent them a balance/invoice showing I owed them a " returned sum '' that was sent back or revoked. I contacted the management office to learn more about this and they said I had a 'returned payment '. I asked for detail about this and they shared a balance sheet with me where I highlighted the error in their accounting showing them charging me $ XXXX for a " returned sum '' for a line item that was paid for via Live Check. A Live Check / Money Order can not be " returned '' as the funds in the actual check themselves not like with a Debit card or ACH which I have on the statement as well and you can see the difference. I asked the manager XXXX XXXX XXXX who shared this about this and she could not explain it at all, I asked to be connected with their Accounting Department to verify this multiple times and they ignored my requests and could never provide any documentation or validation about the line item in question, other than the fact that it is an ERROR and they are ruining my credit over it. The line item in question and the cited payment are highlighted and attached. 

ADDITIONALLY, I reached out to XXXX XXXX XXXX XXXX directly about letting them know about this statement and update, the agent I ( attempted ) to speak with seemed to have difficultly spelling words and understanding complete sentences and was unable to even get to the point in the call where they could ascertain why I was calling- just that they knew they did not have the skills or training to help me and would need to have someone else do so. They said everyone capable at that time was unavailable and they would have to call me back- they did not know when this would be when I asked for a timeline and I never heard from anyone on their team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in a XXXX XXXX XXXX early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another XXXX. XXXX XXXX XXXX ( XXXX ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another XXXX ).  None of the {$900.00} was related to monthly payments. I received a notification that my credit score had dropped 87 points because XXXX reported a 90 day past due status on a payment. My position is that XXXX incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to XXXX also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. XXXX refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with XXXX on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that XXXX tacked on because I didn't lease or purchase another XXXX. XXXX refused to reclassify their reporting, and now I have an 87point credit score decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. TheExperian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX**** Balance : {$23000.00}
Product: Checking or savings account

I lost my job recently and I am unable to pay my credit card or consumer loan. I let it default because I was keeping that money to pay my mortgage however my bank stole the money from my checking account to pay up the credit card and consumer loan. I need this money back so I can keep my house. I contacted several people with the bank and they refused to reverse the transaction. I bank with Navy Federal and have done so for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I started investing with robinhood around 5 months ago and soon after I was got my account place under review. All my stocks got sold and I was unable to withdraw my money from the account. There is no one to reach out to because they restricted my account from contacting them. They said in an email they cant verify the legitimacy of my money which does not make sense because I can even show them the record of my bank statement that I transferred the money in XXXX. There is no way to get in contact with someone that can help me over the phone and I really need my money.
Product: Checking or savings account

Usaa I online deposited a XXXX dollar work check and they reversed it saying someone else had deposited the check
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter to have inaccurate information deleted that's reporting to XXXX, Transunion and XXXX. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX
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 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a Reinvestigation line by line done on these accounts becasue it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both opened and closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX, Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX Account # XXXX, XXXX, Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 15 U.S.C 1681 section 602 A. 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 a account without my written instructions, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request for Equifax to pay arbitration fees on XX/XX/2022 however, Equifax has not responded my my request. I have attached my request to this complaint.
Product: Credit card

The company Barclay 's bank has a lien on my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had a card with this company, but they state the lien is from my XXXX XXXX XXXX XXXX. I need to get a letter stating I dont have debt with this company for my bank, but no one will assist me. 

My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX. I'm in the process of getting an home equity loan and found out there is a lien on my home for my ex husband XXXX XXXX. I was advised that I will have to get a letter stating that I am not responsible for this debt. Below I will include my information and his current information. Please contact me if anything else is needed. 

XXXX # XXXX XXXX XXXX XXXX New XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently received a notification from the law firm XXXX XXXX XXXX XXXX XXXX ( NJ Attorney : XXXX XXXX id # XXXX ). In regards to a debt that is over 10 years old ( over the collection statute for the state of NJ ). ( Copy of documents enclosed. ) I was never sued by this company ( to my knowledge ) however, I received a letter stating that they are going to contact my employer and garnish my wages. The letter does not mention the supposed total amount due, The title is listed as Notice of Application for wage Execution. 

Previously, I worked with a company to repair my credit ( 3years ago ) and had all the old / outdated information removed. Barclays ( the original company ) was removed because it was well over the 7 year reporting mark. 

Ive never received any correspondence in regards to being sued or any judgment being issued to this collection agency on behalf of Barclays Bank. 

Please help I am a XXXX XXXX XXXX veteran and this is really troubling me. Im not sure why this company/attorney is harassing me for a debt that is no longer valid.