23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 I have reason to believe Acima Leasing is in violation of several laws under the FDCPA. 

Violation of FDCPA XXXX ( 1 ) in the attempt to collect an amount greater than the principal of the actual lease agreement. 

Violation of FDCPA XXXX ( 1 ) by using deceptive practices to state in the leasing agreement that I ( consumer ) previously agreed on applications terms and services on a SEPARATE agreement with no proof of a wet signature. 

Violation of FDCPA XXXX ( 2 ) as shown in the disclosure table of the original agreement with the total payments and cost of rental are evidence to this claim and the alleged financial details of the debt owed through the lease. Acima is using false and deceptive means to claim that an amount of {$3200.00} that is not the principal amount owed. 

Violation of FDCPA XXXX ( 2 ) by falsely claiming rent payments of over 27 months.
Product: Debt collection

XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.
Product: Credit reporting or other personal consumer reports

Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX Transunion ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX
Product: Debt collection

Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : CitiBank XXXX Amount now XXXX and garnishments continue
Product: Mortgage

SLS is the mortgage service provider and they are not providing me assistance. I applied for a modification and I had done a quit claim deed on the property to leave my wife XXXX as the only XXXX on the loan since she is also the co-borrower on the account. The reason for this is because we were having issues as a couple, but SLS wanted to see a divorce paper which we didnt have and we had informed them already. This is the reason they denied us for a modification dut to missing documents, they wanted to see a divorce paper, I informed them that there was none and instead of reviewing me with what they had as a complete packet they denied me for missing documents. I will be attaching all complaint and appeal letters I sent out to them. Another issue was that I had filed bankruptcy pro-se on XXXX XXXX XXXX because they said there was nothing else they could do, but I knew they were not helping me. I had a sale date coming up and the bankruptcy was done a day before and they were able to stop the sale date since I was already protected under the automatic stay. I was unable to finish the bankruptcy because I have been in and out of the hospital due to health issues and SLS already knows this, I had XXXX already. When we applied again on XXXX XXXX I had a sale date for XXXX XXXX. This is the time when they were asking for missing documents which was the divorce paper, they wanted us to divorce or something because they kept asking for that. So I filed bankruptcy on XXXX XXXX a day before just like last time, but they said that the sale went through and that there was no stay, even though the court confirmed that I was protected under the automatic stay. I have been fighting with them, my intentions were to keep my home. I didnt even have the chance to finish my bankruptcy because they kept saying that even if I finished it, my home sold already. This is very unfair! I never got a fair review on my modification even though they had all documents. The strange and concerning part is that even though they say my home sold on XXXX XXXX XXXX, I received a complete packet with a letter on XXXX XXXX, XXXX ( that im also attaching ) that I am eligible to apply for a modification and to submit everything again. This is very disturbing and I need an investigation to be opened please.
Product: Credit card

I had Synchrony Bank/Amazon for two years and constantly had issues with refunds for returned items. Amazon choose to close my account, because I returned " too many items ''. Once the account closed I do not have access to view items which I want to return. I sent all the items on my own, because I want to pay this account as soon as possible and do not deal with Amazon any more. I returned all items by XXXX XXXX and still did n't get my refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE! 


You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades. 

Do you have your safeguards in place in accord with ( GLBA )? 

Additionally, you state you are reporting accurately in your reply letter dated XX/XX/XXXX, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802. 

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as XXXXast Due which is INACCURATE reporting on alledged collection account. 

I requested initially that you remove all XXXX of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the inaccuracies.
Product: Prepaid card

XXXX years ago a company I provide services to sent me an American Express {$500.00} gift card. They have also done this for the past XXXX  years. In preparation to use these cards for a purchase, I went online to check and confirm the balance. The XXXX most recent cards were valid and balances were full, this first card was listed as inoperative. I called the American Express gift card phone number on the back of the card and have spent hours speaking with representatives giving me different informational paths. The most recent person I spoke to on XXXX XXXX said he would send a replacement card in XXXX to XXXX  days. That card has not been received, and when speaking with another agent today on XX/XX/XXXX I was told that I needed to send more documents. I have not used the card and I want them to send me a replacement {$500.00} gift card. This card shows a XX/XX/2031 expiration date. The documents that they are asking me to send include my drivers license, pictures of this card, front and back, and a receipt. No receipt is available as I received this card from a large corporate entity and the people involved in the purchase and gifting of this card are unavailable.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials about this inquiry, please provide them. 
XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have not once been able to view the results of the disputes I have filed against Equifax. I get a courtesy email Dear XXXX XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 


View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX When I try to click on the link to view the results, I fill out all the information about me to correctly. Then Equifax ask 5 or 6 questions about information that it says that I have credit cards etc. on certain dates which is totally bogus. I answer " none of the above '' to every one of the questions.

I then try to get the results of my dispute and Equifax claims that the information in their file does not match the response I supplied. 
EQUIFAX is keeping me from accessing information on my disputes. They have done this EVERY time I have tried to get information from them. I want Equifax to give me the access to my disputes and quit denying me access to the information that I have every right to have access. 
They initially got a denial to get a small personal loan. On the rejection letter, Equifax only showed 2 items on my credit report and stated to XXXX that I had " NO CREDIT SCORE ''. If I don't have a credit score and only show 2 items on my credit report, HOW IN THE XXXX  ARE THEY SAYING THAT MY INFORMATION DOES NOT MATCH WHAT IS IN THEIR SYSTEM. This is bogus. They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.

This is their response to accessing the dispute on-line ...

We are currently unable to process your request!

The information you have provided does not match our records ; therefore we are unable to process your request online.

Please try again later or submit your request via our secure Web Email dispute form.

Then I click on the link to do a Web Email dispute. I submit it and get the same XXXX story over and over and over again and again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stole ( birth certificate, social ) to the point I had to go to the FBI to find out whom had put loans in my name, they cleared XXXX off but now it to the point the person is putting hard inquiries on my credit repot that would take years to get off. I want to figure out how I can clear all this up because its not me doing these things.
Product: Debt collection

A Company called XXXX, XXXX, and XXXX called saying they are collecting a debt. I wrote the name and said I will have to look it up they slammed down the phone. I called back after calling the XXXX XXXX XXXX and found out they were bad news I called back. They threatened to call my job and file papers. When I said go ahead and file papers and don't call they said they would keep calling and they would call my job. They were very rude. So I actually called back after the slammed the phone down asking if they were a scam city. 

XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my credit report and can confirm that I did not authorize this inquiry. As a responsible consumer, I am vigilant about monitoring my credit activity and only authorize hard inquiries when necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was denied credit because Experian still reporting XXXX private XXXX loan ( charge off ) on my credit report. According to the lawsuit settlement this information was to be removed. XXXX did their part my cancelling this loan. The problem is every time I submitted any other dispute against XXXX on Experian dispute website it would say Disputes submission failed! They program their computer system to reject dispute submission on the same account dont matter if it relevant, accurate, and factual. Even when I got documentation to prove my case if the dispute was done years or months prior for the same reason it is rejected. Experian said they can do this under section FCRA 611 ( a ) ( 3 ) ( A ) but they have discriminate against and violating my right by not letting me submit my information. How can you determine my submission frivolous or irrelevant if you block it and may it harder for me to file dispute must called number that line stay busy etc. but you never seem my information yet. You are judging me and what I want to submit relevant, accurate, or not before reviewing the information. That is wrong and discriminatory. This treatment have been going on for years begining in XXXX.
Product: Checking or savings account

See complaint ID XXXX I submitted last month. 

XXXX says that the account went negative on XX/XX/23 and the loan was finalized on XX/XX/23 and they " respecfully disagree '' that any conversation regarding adding the negative amount on to the loan took place. That was it. THIS IS WHAT THE WHOLE COMPLAINT IS BASED OFF OF. 

They have still withheld which employee it was that gave me false information. They also have no produced any phone records that would CLEARLY show which one of us is correct. I feel like these two reason alone is pretty telling. I have asked for this information on multiple different occasions. 

Also in their response they say they attempted to contact me, but could'nt leave a voicemail? I got those messages they sent me but I thought it was in regards to the loan payment! Both very vague messages like " call us when you can '' so when I did call, all that was discussed was the loan! They did not bring up the negative amount once!!!! 

How am I supposed to know that its negative when I am originally told that the account are closed and when I do call in they made no mention of it! 

Their response was baseless, incorrect and insulting. They still did not produce any evidence that they are correct except saying they " respectfully disagree ''.
Product: Debt collection

on XX/XX/20 i recieved a voice mail from phone number XXXX which showed as a spoof call from XXXX Texas area code from a man named XXXX XXXX from Minnesota claiming to be a lawyer from Direct Recovery Services saying that i need to call XXXX before XXXX local time to make some kind of prepaid debit payment within 24 hrs or the local police department would be out to my home or work to effect a arrest warrant.of course no one ever came and we knew that it was a scam.
Product: Credit reporting or other personal consumer reports

Good Morning, after reviewing a full copy of my credit report there were multiple accounts i noticed that weren't accurate. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$3300.00}. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$470.00}. On XX/XX/XXXX a XXXXXXXX XXXX XXXX was reported with a current balance of {$610.00}. On XX/XX/XXXX a XXXX XXXX XXXX  was reported with a current balance of {$3700.00}. Finally, on XX/XX/XXXX a XXXX XXXX XXXX was also reported with a current balance of {$830.00}.
Product: Debt collection

someone opened several accounts in my name using my old email, these were opened online we were unaware of these debts. The company midland credit management has started garnishment on the one account. When the accounts were opened we were in a XXXX XXXX
Product: Credit reporting or other personal consumer reports

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : Unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that my last credit payment through First Progress was marked as late I had set up the payment electronically through my bank and the estimated delivery was by the 9 at this point I perceived the payment to be paid to the crediter for some reason the credit company didn't cash the check until the XXXX of XXXX and stated that my banks payment delivery confirmation was not proof of payment and they required proof that they cashed the check before the XXXX I replied with so if my check was lost in the mail and it wasn't my fault I would still be hit with a negative mark on my credit report and they said the only proof allowed is proof that they cashed the check before the due date. I responded with what was to keep the company from receiving my check and waiting to cash it until after the due date to also charge me a late fee to which they were adamant that the only proof excepted was proof the check was cashed
Product: Credit reporting or other personal consumer reports

There are false accounts reporting to XXXX XXXX XXXX, and chex systems that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a XXXX man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of my disputes. Furthermore, XXXX actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding file ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped XXXX points in XXXX and still to this day from XXXX to XXXX. Can not tell me why. There are no collections, no late payments, I have low credit utilization, and yet my score does not reflect what it should be. People with collections. When you call you get XXXX, and they will not transfer the calls to an appropriate person, unhelpful, and constantly give you the runaround!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion credit report and noticed that several inquires were made without permissible purpose, i contacted Transunion on XX/XX/XXXX and was told they would be removed, but they still remain. 



To whom this may concern, I am writing to request the removal of unauthorized credit inquiryXXXXinquiries on my Transuion credit report. I recently retrieved my credit report and it showed 5 credit inquiries that I have no knowledge of ever authorizing. 



I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX VISA XX/XX/XXXX