23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was served a Summons and Complaint from DCI Credit Services , Inc. on XX/XX/XXXX. I immediately called the number for the attorney listed at the bottomXXXX XXXXXXXX XXXX ( XXXX ) and spoke with a woman named XXXX XXXX. I informed her that I was calling in reference to the Summons and Complaint I had just received and specifically asked her how I submit an official Answer to avoid a Default Judgement. During the call, I also informed her that I was disputing the amount, and that the contractor ( XXXX XXXX XXXX XXXXXXXX ) had failed to complete the job and was in breach ofand abandonedthe contract. I informed her that I had no issues paying the remaining balance once the work was completed, but she said they do not negotiate the completion of work and would only negotiate a settlement offer. She advised me to submit my Answer to the Summons and Complaint by sending a settlement offer via email. 

I did as instructed, then followed up with XXXX on XX/XX/XXXX. She advised me that their client had declined the settlement offer. I reiterated that I was very concerned about a Default Judgement, and asked her to confirm that this would not occur and that my Answer had been received. She stated, " You responded and you Answered, and I have it noted in here when you Answered, which was XX/XX/XXXX. And your Answer was a discussion of settlement. We couldn't come to an agreement, but you still have the option to set up payment arrangements to stop a legal process, which you're not doing. So obviously, we are proceeding with legal at this point. '' ( Both of these conversations were recorded and I am willing and able to provide a copy. ) On XX/XX/XXXX, I received a Notice of Assignment of Judge, Declaration of Service by Mail, Notice of XXXX Motion, Brief in Support of Motion for Default Judgement, and Motion for Default Judgement. In the Brief in Support of Motion for Default Judgement, DCI Credit Services , Inc. stated that I " failed to file and serve an Answer in this matter '', but I had " made an appearance ''. They asked the Court to enter a Default Judgementafter previously assuring me that could not happen because I had responded and Answered on XX/XX/XXXX. 

The actions of DCI Credit Services , Inc. were egregious, immoral, and illegal. First, I was under the impression that I was speaking with someone from XXXX XXXX 's law firmbecause that is the phone number that I dialed. ( I have call logs to verify this. ) They also swayed my actions by providing legal advice that was in direct opposition to my best interest when they advised me to respond via email and later assured me that my response and Answer had been received and that there was no need to worry about a Default Judgement. This created circumstances that positioned me against my own interests, leaving me vulnerable and at a significant disadvantage. I am requesting that DCI Credit Services , Inc. halt all legal actions pending the results of this complaint investigation.
Product: Mortgage

Our mortgage was taken over from XXXX XXXX XXXXXXXX to Carrington Mortgage. I must say that we did NOT request a change in mortgage service We got the information from Carrington and immediately set up online automatic debits for our monthly payment. My husband also spoke with a representative at Carrington who ASSURED us that it'd be a simple process. After about a month into the new mortgage service, we started getting calls about our payment being late. We explained that it CANT be late, that we see on our bank statement that it is in fact being debited automatically. We wrote letters, e mails, faxes, phone calls, etc all to no avail. Now they have turned us into the credit bureau and my husband and I both lost 100 POINTS on our credit score as a result of their mistake. I would not recommend Carrington to anyone!!! They have ruined our credit as a result of THEIR XXXX up. 
I recieved a pre approved notice for a loan refi through a credit union. I was denied because they stated " you are behind on your mortgage ''. I looked at my credit report and Carrington has reported that we have made NO payments for 6 months which is completely incorrect!! They DEBIT our account automatically twice a month to fulfill a monthly payment! We are not late on our mortgage. Their customer advocacy department is horrible. I have called them numerous times and again today. You can not get anywhere with them. For the third time I sent them copies of my banking statements where they have deducted payments since they took over the loan last XXXX. I asked them to update our credit to show that we are NOT 6 months behind because it is simply not true.
Product: Credit card

Please rewrite my above paragraph. so that there is no. spelling or grammar issues. 
Certainly! Here 's a revised version of your paragraph : As of today, XX/XX/year>, Credit Karma has disappointed me at least XXXX times with their " outstanding approval odds '' or " guaranteed approval odds. '' They even sent me a {$50.00} gift card because they messed up a personal loan application that I had high hopes for to consolidate debt during a tough patch in my life. I've been out of rehab for about a year now, and I'm disgusted. 

Just today, XX/XX/year>, they offered me an option for " excellent approval odds '' on a XXXX XXXX XXXX  card that I could use for a balance transfer with XXXX percent interest for 18 months. I have very good credit, and my fianc was recently approved for this card directly through XXXX. I was counting on this card to consolidate debt from a couple of other cards and reduce the number of cards I have, especially as I'm starting a new career and have just secured my own place after XXXX and tough times. Unfortunately, my application was denied. 

I have a card with XXXX XXXX, which monitors my credit as well, and I've now received XXXX hard inquiries from XXXX, stemming from Credit Karma. XXXX is not to blame for this. I also applied for a personal loan to consolidate all my debt, including the cards, and that was my first attempt at consolidation with " Karma guaranteed '' approval. They had to give me a {$50.00} XXXX gift card because that loan was also not approved. 

All my finances, including employment status and income, were verified through Credit Karma and other sources. I'm appalled, and this needs to be fixed immediately. Today, when looking into it, I found out that there's a class action lawsuit of upwards of {$3.00} XXXX involving XXXX people. I was unaware that I was involved in this and never received any paperwork or notification. 

I am now placing my faith in the Federal Trade Commission, whose policies and ways of handling everything are excellent. Please help me get this straightened out. I XXXX be the poster child for that lawsuit, and my credit has dropped XXXX points today due to Credit Karma 's negligence. I hope to hear from you soon. My email is XXXX. Please feel free to reach out at your earliest convenience. I will also call my attorney to see if there are any steps I can take on my behalf as a company that claims to help people with their credit, but actually damages people 's credit.
Product: Debt collection

On XXXX XXXX, 2016 I was notified by XXXX and XXXX that a debt was placed on my account by a collection company named Allianceone Receivables from XXXX, PA. According to the debt placed on my account, the original creditor was " XXXX XXXX of XXXX XXXX. '' I have never had contact with either company nor have I received mail, email, or a phone call from either company at any time for any reason. An online search found no results for the company " XXXX XXXX XXXX XXXX XXXX. '' It appears that Allianceone Receivables has created a fraudulent debt and illegally placed a debt on my credit report without first contacting me. I called Allianceone Receivables on XXXX XXXX, 2016 to discuss this issue. The automated system required that I input my social security number before I could talk to a person. Given the suspicious nature of this situation, I believe that it would be unsafe to enter my SSN into this automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  services is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX  : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX  XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I have been disputing the debt of XXXX auto insurance being collected by XXXX XXXX XXXX. Ive asked Experian to verify and send documentation, and each time I was told it was a valid debt. This of course was false as Ive stated! I had to contact XXXX  to get the email showing not only did I not owe them money they actually owed me..
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX applied for pay loan from Spot Loan for {$600.00}, on XX/XX/XXXX tried to make arrangements to pay loan off completely to stop incurring more interest. I have made five payments, all the payments went to interest. On XX/XX/XXXX the principal amount of loan was {$570.00} but on XX/XX/XXXX I was told the buy out would be approximately {$630.00}. I ask for explanation the supervisor stated the loan incurs interest daily of 400 % and if make payment arrangements the loan still will incur interest. After speaking with company my online access to account was removed and stated unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Money transfer, virtual currency, or money service

For the past 4 months, I ; ve been trying to access my Coinbase account without any success. Coinbase states authentication problem, but after a dozen of email, they still have failed to provide any meaningful support and to dateI still dont have access to my account. This I suspect is a fraudulent company, but I still need to deal with them since the retain funding of my crypocurency account. I am kindly requesting your assistance in this matter.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I reached out to XXXX, XXXX, and TransUnion to dispute inaccurate information on my consumer report. Unfortunately, there has been little to no action taken to address these issues, and the investigation appears to have been incomplete. The inaccuracies on my report remain unresolved, and according to the law, they should be deleted immediately. I also filed a report with the FTC, but no further action has been taken.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express increased my APR to 29.99 % without providing proper notice, which is a violation of federal lending laws. 
When I called to dispute this, their representatives could not provide proof that they notified me of the rate increase. 
Amex claimed it was listed in my statements, but when I requested a written confirmation explaining their policy on APR increases, they refused to provide it. 
After pressing them, Amex lowered my APR slightly and refunded a small portion of the overcharged interest, but they are still reviewing the rest of what they owe me. 
They refused to send a letter documenting the exact terms of my agreement that allow them to raise my APRsuggesting they are deliberately hiding their policies from customers. 
One of their representatives pretended not to hear me and hung up the phone when I demanded proof of notice. 

This is deceptive lending, and I am requesting : - A full refund of all interest overcharges due to this unlawful APR increase.

- A formal regulatory investigation into Amexs APR notification policies.

- Written confirmation of how Amex determines APR increases and when they notify customers.
Product: Credit card or prepaid card

I purchased a product from XXXX  and I never received the product, Chase is accepting a fee of {$150.00} for return freight not credited back to me, I never asked to have it returned nor did i sign for it. The XXXX website even states clearly return freight is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collection accounts with this collection agency that should be past the statue of limitations. They were emergency room visits from XX/XX/XXXX and this company bought the debt and marked it as new as of XX/XX/XXXX.. thus illegally reaging my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing this account via credit bureaus multiple times due to incorrect balance showing, however they have failed to update the information. I want this collection account removed as they are not reporting correct information.