23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB COMPLAINT - XXXX UNLAWFUL COLLECTION PRACTICES XX/XX/XXXX XXXX is violating state and federal collections laws by harassing me for a paid-in-full one-time rodent abatement services ; a paid-in-full XXXX quarterly yard spraying schedule, and continued billing on an auto renewal I did not authorize see recent billing statement. 

As a result, on XX/XX/XXXX, I sent to XXXX with a copy to XXXX   XXXX, Cease & Desist for abusive and unfair collection practices, erroneous unwanted services, collections harassment. Yet they blow up my phone with non-stop collection calls all day, all week for six months now. 

I have written them, called them and spoke with several collection people, having to repeat myself over and over, yet to no avail. 

The Public Relations department calls and calls, Office of the President, I call back, and they dont return calls. Then they call again leaving the message : have you talked to the local office? 

I never authorized a continuation of services past XXXX I paid for the four ( 4 )  quarters for XXXX IN ADVANCE for yard spraying. I have attached the cleared item check # XXXX for {$390.00} which cleared on XX/XX/XXXX. 

With respect to the rodent abatement, removal of five dead fat rats, insulation removal, attic sterilization, new insulation, I paid in full the {$3400.00}. There are tenants in this property so I moved quickly to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Fair Collections & Outsourcing XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2023 To whom it may concern Pursuant to your reference # XXXX and # XXXX the Fair Debit Collection Practices Act FDCPA youre required to provide a verification of debt including the amount owed within 30 days. 

My reason to challenge : 1 ) Carpet was cleaned prior to moving in padding could have been damaged then. 
2 ) I had no warning of damage or chance to witness it before getting the closing bill 3 ) I was not warned of a potential problem since there was a of inspection I week prior to moving out!

4 ) I was not provided pictures of the damage until carpet was replaced. I called and questioned XXXX XXXX XXXX XXXX about why we were not given an opportunity to witness a first-hand account of the damage, then and only then pictures were emailed. Pictures do not identify a particular apartment could be of any apartment the layout of every apartment is the same. 
XXXX ) Our dog is XXXX lbs and was walked religiously. The pictures show damage of a much larger species 6 ) I paid monthly Pet fees that were to cover any damages 7 ) Upon notice of moving out I was given an option of cleaning the carpet myself or pay {$250.00} for XXXX XXXX to do it. If the damage was that great why was I given the choice? You do not get 2 bits at the same apple! 

I will be filing a complaint with the CFPB Consumer Financial Protection Bureau and the Federal Trade Commission Pursuant to FDCPA Fair Debt Collections Practices Act, I am requesting you stop contacting me immediately!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/20 I deposited XXXX In a atm in XXXX az. That same day three atm unauthorized transactions were done totaling XXXX than XXXX at a XXXX XXXX then a XXXX XXXX, XXXX and XXXX transactions unauthorized as welll.I had thought I lost my card the day before I figured I left it at home. On Sunday in order to pay my crew I XXXX XXXX XXXX and became overdrawn thats when I knew something happened. I emailed chase bank locked my card and followed up with a phone call. Only to be rejected disrespected and basically put of business from this ordeal. I was always redirected hung up on and that is after waiting on phone for 30 minutes .Ive been put out of business my insurance for my business has canceled Ive defaulted on my loans I was averaging XXXX to XXXX XXXX dollars a month now Ive been negative for weeks cant even cash checks for jobs Im on now.the chase agreement says zero liability for unauthorized transactions I feel I have been mistreated right from the start because of my race I dont know what else to do Im losing a flourishing business and chase bank has done absolutely nothing in regards to my claim they did reimburse the XXXX XXXX transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 there was a hard inquiry made by XXXX XXXX  without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

We have a cc thru Synchrony Bank for a XXXX XXXX acct. They offer 0 % fin. ch for 18 mths. I was paying {$180.00} instead of {$110.00} per mth. in case of unexpected future bills. In XXXX I divided the remaining 9 mths up and changed my automatic payments to {$79.00}. Shortly thereafter I rec 'd a late fee of {$27.00} ( which they did refund ). I was told {$110.00} was due each month and that SB does not change payment amounts to reflect over-payments. I now will be paying it off 3 mths early which is fine, but does not allow me the full 18 months promised. Every other bank I have dealt with has lowered the payments due to reflect payments made ( ie {$110.00} due in XXXX, {$180.00} payment made, {$61.00} due in XXXX ). Customers should not be fined for expecting to receive the payoff time allotted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  after dealing with unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the fdcpa and must be deleted immediately because those are serious violations and I could be compensated for them.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently reviewed my credit report and identified the following inaccurate and/or unverifiable information : [ Account Name & Number ] Nature of the Dispute : [ E.g., Incorrect balance, fraudulent account, outdated information, inaccurate payment history, etc. ] Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of credit report information. The information in question is inaccurate and is harming my credit profile.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information are prohibited from reporting inaccurate or incomplete data to credit bureaus. If the information can not be verified, you must delete or correct it in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I have enclosed copies of supporting documentation, including [ mention any included documents, such as identity verification, bank statements, or letters from creditors ], which substantiate my claim. I request that you : 1. Conduct a full investigation as required by law.

2. Provide written documentation supporting the accuracy of the disputed information.

3. Remove or correct any information that can not be verified.

4. Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA may result in legal action, including but not limited to a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or a civil lawsuit under 15 U.S.C. 1681n and 1681o, which provide for damages, attorney fees, and punitive measures against noncompliant entities.

Please respond to this dispute in writing at your earliest convenience, but no later than 30 days from receipt of this letter, per FCRA guidelines. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I submitted three credit disputes with the credit bureau Experian. The accounts I was disputing were three student loans through XXXX XXXX, restructured under bankruptcy to XXXX, and then again filing bankruptcy under XXXX. The three student loans, under XXXX, were charged off as bad debt and thus were no longer legally collectible. Not only were they charged off but XXXX subsequently went into bankruptcy later due to predatory loan practices, so those liabilities they were holding were charged off as well. With all that being said, after submitting my dispute with Experian those three XXXX accounts are still on my credit report as holding an amount owed by myself. It is my understanding that once a debt is charged off it is illegal to try to collect any of that amount under law. This is my issue with the way Experian is reporting those three XXXX accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Acct XXXX XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Product: Student loan

On XX/XX/23 I applied for an Income Driven Repayment Plan with my student loan provider, Ed Financial. I chose a graduated extended payment plan. They usually application approval period is 2-4 weeks. They told me it could take up to 25 business days to process. I have checked my online account and called them to follow up. It has been over 6 weeks since the application was submitted and I still do not have an answer as to why or not I have been approved.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 reporting or other personal consumer reports

My information has been leaked in several companies and I have things that are untrue on my credit report, including bank accounts being opened, credit inquiries and collections on my account that I am not responsible for!! I have hired credit repair services and even had had my tax information compromised, being that when I file I have to use a security key because the IRS HAS informed me of this. I had no knowledge of it!!! How can this help me???? please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard inquiries need to be removed from my transunion credit report immediately! 

TransUnion File # XXXX Hard inquiry errors to be deleted - XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 FTC Report # XXXX Also, see uploaded screenshots/ document.

Please provide proof of my signature, giving permission for any inquiries to be posted to my credit report for the dates above. 

If you can not provide my signature as proof of verification and validation, giving permission, then the above inquiries must be removed immediately. 

Or I will sue under the Fair Credit Reporting Act and Metro 2
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Alleged amount owed : {$150.00} This is not my account - Never had service with this company?
Product: Debt collection

Today I got a call from plus XXXX debt collection they left me a message on my phone, also I had a call from XXXX  XXXX financial services as well, also I checked my credit report and they need to clear off the deprecatory remarks, and boost my credit take down the charge off on my credit. It is now messing with other bills and my car insurance. 
I do not know how many times I have to repeat myself to these people I am out of work at the moment due to health issuses and by law I do not need to show creditors my health problems etc My credit number for all XXXX companies is at XXXX due to XXXX  XXXX and there other debt collector XXXX XXXX XXXX XXXX. 
I also notice that bill has gone up as well from it being XXXX now its almost XXXX so now what are they charging for?? 
They messed up my credit and didnt apply that hardship deal. 
Im still currently trying to catch up on my other card as well. That call came from XXXX XXXX area at XXXX today. XXXX XXXX so far has called or sent me letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

As of XXXX XXXX, 2015, my mortgage was transferred from XXXX over to Seterus. XX/XX/XXXX, I received my transfer letter from XXXX stating everything I needed to know and that I should expect a welcome letter from Seterus shortly. Today is XXXX XXXX, 2015, and I have yet to receive my welcome letter, which reading the FTC website they must send me by XX/XX/XXXX. I called Seterus this evening and got the runaround, now keep in mind that I am new to them and they already are treating me this way. I 've read a ridiculous amount of complaints about this loan servicing company, but now I 've actually experienced it. I recorded the entire phone call, so that you can hear exactly what the representative, XXXX, said and how she dodged questions I asked. She just kept putting me on hold. I informed her that I was recorded the conversation and then it got a little hostile. She put me on hold again, where after a few more minutes of holding a gentleman that referred to himself as XXXX XXXX came on the line and began yelling at me about recording the call before he swiftly hung up on me. Now, can you explain how this kind of business behavior is acceptable? I got no information about my new loan, no information on how to make a mortgage payment, no loan number, absolutely nothing aside from vagueness and rudeness. These people have a duty to me the homeowner and they are not doing what they are supposed to do. Merely XXXX Seterus and you will see this is a SEVERE problem that nothing is being done about. This is my life, the lives of my children, my home, and I can not fathom that this kind of behavior would be acceptable by any standards. I have contacted XXXX, as they are the holder of my loan, to inform them of the problem. A woman by the name of XXXX informed me that XXXX is, indeed aware of these practices by Seterus and no action has been taken. Once again, I have this phone call recorded with her admission XXXX has been apprised of this issue. There have been over XXXX complaints to the XXXX, yet this company is still somehow allowed to continue their shady practices and downright fraudulent activity. The way they treated me was like my toddler putting his hands over his ears because he does n't want to listen, Seterus does not want to listen to legitimate problems. I 'm contacted absolutely every entity I possibly can to make everyone aware of this situation and compiling a journal of everything, emails, call logs, recordings, complaints filed, everything, and looking into contacting an attorney. Somebody has to do something aside from tell me, " Oh, we 'll look into it '', and this foolishness continue. Seterus has legal obligations to me, as the servicer of my loan, and I ca n't imagine this is how they are upheld. Again, I am not the only person saying something about this company, so why does nobody take action? Maybe if it was your home, your life, it would be different. It seems as though nobody cares about the homeowners, we have no voice. We are being pushed and bullied, we turn to the organizations that regulate companies like this and are met a lack of empathy or care. I need help, this is just not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVABLES MANAGEMENT SYSTEMS REPORTED the date of first delinquency on a trade line being reported by them as XXXX XXXX XXXX for six years and eleven months. They changed the date of first delinquency. I provided proof that they were reporting the date of first delinquency as XX/XX/XXXX by providing a copy of my credit file from XXXX dated XX/XX/XXXX. In response to my complaint RECEIVABLES MANAGEMENT SYSTEMS gave a statement saying that the date of service by XXXX XXXX the Original Creditor was XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS did not provide any proof to their claim. I demand they provide documentation or update the trade line to reflect the true first date of delinquency as XXXX XXXX XXXX  and remove said trade line XXXX XXXX XXXX  as that will constitute 7 years reporting on my credit file. RECEIVABLES MANAGEMENT SYSTEMS and XXXX XXXX should be held accountable for their violation of FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit imquiries are unauthorized and need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I attempted to login in at Experian.com to unfreeze my credit report. I applied for an auto loan so intended to add a temporary unfreeze window. I didn't remember my password so requested a one-time code from Experian at my cell number on file. I never received the one-time code from Experian so I attempted a few guesses at my password. 

I didn't guess right so Experian locked my account. That's understandable. I received this message from Experian : " Your account has been locked due to too many failed attempts. 
Please call us at ( XXXX ) XXXX to unlock your account. '' I have called this number roughly XXXX times now beginning on XXXX, XX/XX/XXXX. The automated voice response system is unable to resolve the issue routing me in circles back to the website which provides no way of resolving this issue either. The voice response system also will not connect me to a human representative.

So now my auto loan is denied pending the unfreeze which I am unable to do because my account is locked.