23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. 

I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and XXXX to obtain permission. 

After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt XXXX. The 1st one was from Sequium Asset Solutions , LLC on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from XXXX XXXX. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above 800 was now below 700 because of this false charge and I ended up getting a much higher interest rate because of this. 

Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Capital Bank did a universal fraudulent address change that I did not request in writing for 3 of my accounts they held. The XXXX XXXX with it's {$10000.00} line of credit I closed in XX/XX/2019 because of dealing with Comenity was stressful. I had a small balance which I broke up into 2 payments for XXXX  and XXXX. An ex-employee took the back of the XXXX statement coupon and changed my XXXX, Texas address to a XXXX XXXX, Missouri. When they saw the handwriting did not match the check handwriting ( which I am the only authorized account user ) they still went ahead and changed one inactive and two active credit cards and didn't contact me. Nor did any alarms go off for Comenity when the week prior via phone I validated all passcodes to change my address to XXXX, Texas. 

My XXXX statement went to Missouri. In XXXX, Comenity Bank calls me about XXXX past due then can't verify me because not just my address was changed but phone number and passcode. Finally, a supervisor pulls up the account previous validation. Now, XXXX Fraud Department is denying to send me a photocopy of the XXXX statement coupon so I can have a Civil case filed even though I send to their Clerk of Records a request in writing, a copy of driver license, and had an attorney call. They now say I must get a subpoena on my own account. Their obstruction is a blatant coverup their complicit action to assist in fraud. All the hoops is meant to deny me justice.
Product: Checking or savings account

I am entitled to a credit card dispute charge back due to the fact that the contractor XXXX XXXX produced defective goods and services, caused XXXX rejections of our case at the US Supreme Court, and finally when they got it right was too late and caused us to miss the filing deadline, thus dooming us to the lower courts for litigation, not the US Supreme Court in time. Please investigate and advise.
Product: Debt collection

Hi, I was XXXX 's customer from the last 5 years, I upgraded to a new device during the pandemic when all the retails shops were closed, so XXXX mailed me the device, i never got the device it was lost in transaction, told them and they send me the new device, which i returned within the return exchange period, paid the charges for it as well, however every thing was acknowledged by XXXX customer services 7 times, that i never got the first phone, and they got the returned device, they even acknowledged that my last bill will be XXXX dollars, i don't have any proof because they have record of all the conversations, and my access to the account was closed when i closed my account with them, after all that they suddenly send me a bill of XXXX US dollars, which was the cost of 2 devices, i disagreed and made complaint several times from the past 10 months and now they have come down to 1 device, and asking me to pay through collection agency the amount of XXXX US Dollars, which is in sane, i don't owe them any thing except my last bill which is XXXX  dollars, they are putting thing on me and i just cant bare this anymore, they have destroyed my credit history, i have disputed the debt 4 times but every 3 months a different collection agency gets involved, with their charges as well, i dont have any proof since they every thing was online and i don't have access to my account, kindly please help me from this corporate giant, i am very upset and very disturbed from this matter, as i don't owe them the amount they are claiming. 
Regards XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 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. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXXXXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit report from XXXX? Experian credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX  but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Debt or credit management

We've been trying to find assistance for XXXX, or XXXX XXXX XXXX. But the website for XXXX XXXX, are only made available for those working with their partnering Agencies. The partnering agency for XXXX XXXX, XXXX is XXXX. Every website and info available states counseling services and foreclosure avoidance resources can not be charged a fee to help you.. But the Very first page on XXXX  ( the XXXX and only resource listed to get assistance ), on their foreclosure avoidance program page states : Prior to any counseling or conference with XXXX, that first you must pay the required fees to the XXXX  ( XXXX XXXX XXXXXXXX )! That no appts can even be scheduled prior to this step. And that XXXX  can not accept any payments, but must be paid to the XXXX. Can't get assistance from resources available until you do THIS, and that thru THIS company, but first have to contact THIS, and no fees can be charged, but FIRST you have to PAY THEM in order to get assistance or even qualify for, which assistance is NOT GUARANTEED!!! I'm chasing my XXXX  tail in circles and getting NO WHERE!!! But it's not important, just about to lose our family home and become homeless because I can't seem to find access to the resources I Know are available for just this situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send to XXXX and Equifax. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed XXXX  : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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: Debt collection

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th attempt to write to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report STILL showed credit inquiries that I don't recall authorizing. Not only do I have identity theft and fraud alerts set, but I have my credit locked so that I am to be contacted PRIOR to any credit authorization or credit application. I have disputed with XXXX multiple times, by phone, fax, and email, which included verifying my identity and sending proof from the credits they had no knowledge or records of me. 
I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm Offer of Credit B. insurance C. Employment D. Court  Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity. 

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

This is my 3rd time disputed this XXXX XXXX XXXX XXXX account ending in XXXX and it did not get deleted. I have sent a police report, ID, Identity theft report, A LETTER FROM THE CREDITOR SAYING IT WAS A RESULT OF FRAUD. their DID NOT DELETE THIS ACCOUNT BECAUSE OF FRAUD. This account needs to be deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Visited XXXX XXXX XXXX XXXX XXXX, store # XXXX on XXXX & XX/XX/2020. There was a sign posted stating you could save 20 % on your flooring project. Confirmed with three separate employees that this would include the whole flooring project materials and installation. I was advised all I had to do was apply for their credit card and use it for the purchase. Agreed to sign up for the credit card under this condition. I then took the paperwork from the flooring Department along with my credit card confirmation to the front desk to cash out. There I was advised I would only save 20 % off up to {$100.00} of my project. After hearing this I complained to the manager and also called corporate and the credit card company. I requested they honor what they promised me prior to agreeing to apply for the credit card or cancel the card and suppress the hard inquiry on my credit they refused and to this date have not supplied even an official dispute address to send a written dispute. It is worth mentioning that when I went back up to the flooring Department to take a picture of the sign they were in the process of providing the same false information to another couple who stopped dead in their tracks when I told them it was only 20 % up to {$100.00}. Unless this is rectified immediately I fear many other customers will be lied to in order to sell additional credit cards
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and were opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

SOFI BANK Account Number : XXXX Charge Amount : {$26000.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Payday loan, title loan, or personal loan

This company engaged in predatory practices regarding my loan. I was told that my loan was for 0 % interest for the life of the loan. It states that in the loan agreement and doesn't state any other interest rate anywhere within the agreement. If you read very carefully, they state that another unknown, unmentioned interest rate will be applied after 6 months. I understand that 0 % interest loans typically have a payment plan in which they will charge back interest on the loan, but this loan didn't mention the amount of interest and was intentionally vague. 

In my view, I'm not a lawyer, so I am not certain what the law requires for a loan agreement, what must be disclosed or not disclosed, but I feel that this company is intentionally obfuscating this information in a predatory way. 

Additionally, speaking to a representative, I was told that the interest rate would remain 0 % for the life of the loan just as the agreement said. I specifically asked the representative if the interest rate ever increased after any period and she assured me that it didn't. I will pay the loan before the date that is required, but if this illegal as it should be, I'd like this company to no longer be able to continue this predatory practice.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX has violated my rights.

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
Product: Mortgage

Mr. Cooper XXXX XXXX Mortgage Date XX/XX/2023 Loan Number XXXX Property Address XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Problem ( XXXX ) : XXXX XXXXXXXX subserviced by XXXX XXXX has made a mistake of sending payment for the property insurance to WRONG Company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 for the amount of {$760.00}. The Escrow account operated and managed by XXXX / XXXX XXXX has erroneously sent an insurance payment to a XXXX that I ( XXXX XXXX ) did not secure coverage with. ( XXXX XXXX ). 

Problem ( XXXX ) : I have never received the Surplus refund via check for the amount of {$170.00} dated XX/XX/2023 as per evidence in XXXX XXXX dated XX/XX/2023. Kindly send me the check to my address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX As per documented evidence, upon login to the website, the following payments were made from the Escrow account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have contacted the current insurance company named XXXX XXXX XXXX and they mentioned that the insurance company chatted with your XXXX XXXXXXXX subserviced by XXXX XXXX ( via text ) on XX/XX/2023 and they verified that this was sent in error and further advised that this payment was refunded to your escrow account on XX/XX/2023. They asked that we suggest you call XXXX to verify the information that we are relaying. We chatted with XXXX XXXX with your escrow servicing company. 

There is a still outstanding refund of the amount of {$760.00} which the XXXX XXXX subserviced by XXXX XXXX is obligated to pay back to me below is supporting documented evidence and detailed in-depth explanation. XXXX XXXXXXXX subserviced by XXXX XXXX has made a mistake of sending payment for the property insurance to WRONG Company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 for the amount of {$760.00} and thus required to refund the amount of {$760.00} at earliest. The Escrow account operated and managed by XXXX / XXXX XXXX has erroneously sent an insurance payment to a XXXX that I ( XXXX XXXX ) did not secure coverage with. ( XXXX XXXX ).