23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX ( XXXX ) Account number for Internet services is XXXX. I was paying my all outstanding billing payments regulalrly without fail since inception of the account. 
I moved into new home in XXXX XXXX, Florida ( XXXX ) within the same city and requested XXXX  ( XXXX ) in XX/XX/2019 to transfer Internet services to my new home address effective XX/XX/2019 
XXXX ( XXXX ) advised that they do not offer services in XXXX hence I have to perforce terminate the internet contract and will also have to bear penalty charges ( {$80.00} ) for contract termination. 
I advised XXXX ( XXXX ) that contract termation charges being levied are unfair since I am not the one seeking termination but rather mere transfer of internet services. If the service provider is unable to offer services in a particular location within the same city then it is service provider who should bear the terminatiion charges and not me. I spoke to Ms. XXXX of XXXX ( XXXX ) on XX/XX/2019 at contact number XXXX which is XXXX Movers Department number, and requested for transfer of services. Ms. XXXX gave me ticket numbers XXXX and XXXX. On same day ( XX/XX/2019 ) I called XXXX ( XXXX ) corporate office number XXXX and spoke to Ms XXXX who advised that they are reviweing the request for transfer of services. Since I did not hear further from XXXX, I again called corporate office number on XX/XX/2019 and this time spoke to Mr XXXX who advised that account would have to be cancelled and I will have to bear penalty charges for contract termination. No reference number was given by Mr XXXX despite being asked. Mr XXXX advised that he has documented our conversation. 
Subsequently my account was terminated on XX/XX/2019and XXXX levied {$80.00} as contract termination charges. Subsequently on XX/XX/2019, XXXX  ( XXXX ) transferred my outstanding balance to collection agency AFNI Inc, XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ). Collection agency has since been harrassing me over the phone and I have not received a single letter in writing from collection agency formally advising charge of {$80.00}. I am extremely disappointed that my credit score is being adversely impacted by collections despite my request for transfer of internet services. 
I repeat that I merely asked for transfer of internet services and not cancellation, if XXXX ( XXXX ) cant  provide service at my current residential address than service provider is/was the one which cancelled the contract and accordingly should bear termination charges.
Product: Debt collection

I rented a XXXX XXXX from XXXX rental car at the XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2021. At that time I picked up the car, no one from XXXX took the time to review that car for any damages. I personally went around the car and did not see any apparent damage to the vehicle. I returned the car to the same airport on XXXX, XXXX, XXXX. Once again, no one from the XXXX rental agency took the time to review the vehicle. I once again walked around the vehicle and saw nothing different from when I picked the car up. Roughly a XXXX later on XX/XX/2021 I received a letter from Viking Billing Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ) claiming that I owed {$1200.00} for vehicle damage. This is quite clearly a scam. I am starting this route first. My next communications on this will be to the attorney generals of XXXX and XXXX. Since XXXX failed to do any due diligence in inspecting the car either going out or coming back in, I see no basis on which they can make this claim. My next resort if that fails will be to hire an XXXX and seek damages for this clearly transparent attempt at insurance fraud. ( This is my complaint posted with the XXXX ). Next step is the FTC, the XXXX  and XXXX  Attorney Generals, and the XXXX XXXX XXXX XXXX. And, I am sure I can find others. 

I attempted to work with XXXX ( the owners of XXXX XXXX XXXX ) and they basically said there is nothing they can do. 

This company has a XXXX rating with the XXXX and if you google " Viking Billing '' you will come up with a great deal of hits for fraudulent collection attempts.
Product: Debt collection

O & L Law Group, P. L. 
XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX as representative of O & L Law Group Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notified O & L Law Group , P.L. , a debt collector, via a recorded telephone conversation on XX/XX/2021 to cease-and-desist collection on this account. However, this request was ignored as I received additional information from O & L Law Group regarding this case. This second notification to O & L Law Group is to request that you cease and desist all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.
Product: Credit reporting

I get a judgement on my account who was posted on 2010 and still showing up twice with XXXX and Equifax. This need to be removed from my credit report.
Product: Credit card or prepaid card

I purchased two airline tickets using my CapitalOne Visa Signature card. My flights were cancelled because of the ongoing crisis. To my knowledge, there were no government laws prohibiting the flight at the time of cancellation. I purchased the tickets through a third party and not directly with the airline. The airline at that time was offering a full refund. I reached out to the merchant as well as the airline without any success. I was advised by the issuer ( CapitalOne ) to dispute the transaction, which I did. I provided all the necessary information including proof that the flights were cancelled by the airline as well as my attempts to resolve the dispute with the merchant as well as the airline. 
My dispute was declined and my credit which was issued by the bank was rescinded. The bank ( CapitalOne ) told me this was as a result of Visa not finding the merchant at fault because they were a third party. I explained to the issuer that it specifically stated in the terms of the merchant that they are bound to the laws of the company of the customer and that under 14 CFR 399.80 ( l ) refusal of a third party to issue a refund for a cancelled flight is an unfair and illegal business practice. See https : XXXX. I was told that they lost there chargeback privileges and I will have to settle with the merchant directly. 

A manager at CapitalOne told me that the real reason I did not win the dispute was because the original representative of CapitalOne had entered the claim wrong and not because of lack of credible evidence that I deserve a refund. He added that once they lose their chargeback option there is nothing he can do for me now. 

I have since called the airline and they told me that they are only offering vouchers which are of no use to me.
Product: Mortgage

Carrington Mortgage Services claim I did not pay my XX/XX/2020 mortgage payment even though a hard copy check was mailed to them XX/XX/2020 in the amount of {$540.00} and my XXXX XXXX XXXX statement clearly shows the money was withdrawn out of my account. According to customer service it is up to me to provide proof I paid and until then I will receive a late fee and will have a negative report sent to the credit bureau on XX/XX/2020. XXXX XXXX XXXX shows the check posted XX/XX/2020. I printed out my XXXX checking account statement and faxed it to them as proof as they requested. Also my XXXX account says " No image is available for this check because it was processed by the merchant as an electronic transaction '' and provides a check number and tracking numbers. Apparently this is now not good enough proof as I have been calling Carrington Mortgage Services daily and am told I have to get an image of the actual check. I requested XXXX customer service to do further research and try to find a picture of the check or at least more details. They stated this could take up to 2 weeks and they can only mail it to me. In the mean time my credit will be affected.
Product: Credit card or prepaid card

o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. 
o Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. 
o Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. 
o I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. 
o I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests.

o I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and I cant get to use the cash that was left in my PayPal. My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a formal written dispute to Equifax regarding inaccuracies on my credit report related to an account with XXXX XXXX XXXX. Specifically, the account reflects late payments for XXXX, XXXX, and XX/XX/year>, along with blank balances for the same periods. These discrepancies are a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681s2. 

I provided all required documentation, including a copy of my identification, proof of address, and a marked-up version of my credit report highlighting the disputed entries. I sent the dispute via certified mail and received confirmation of delivery. 

Despite the legal requirement under the FCRA for the credit bureau to investigate and respond to disputes within 3045 days, I have not received any acknowledgment or resolution to my dispute as of XXXX. This lack of response constitutes a failure to comply with FCRA requirements. 

The inaccurate information is negatively affecting my ability to secure housing and other credit-based opportunities. I am now filing this complaint to escalate the matter and seek immediate resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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 disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as old address reported
Product: Credit card

The company sent a letter saying the charges were fraudulent and my balance was XXXX. However, I had already paid those fraudulent charges so my balance should be a credit. I no longer have the original card the charges were made on because the company gave me a new card!
Product: Checking or savings account

I have opened the citi checking/saving account on XX/XX/2018 but approved after XX/XX/2018 -- see the email proof I have received from citi. There was a promotion {$400.00} cash bonus after Maintain a  minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.Get {$400.00} deposited to your account! I opened on XXXX XX/XX/2018 but I have received email on XX/XX/2018 saying that my account is active. I start deposited the checks total {$15000.00} before XX/XX/2018. The citi denied {$400.00} promotion because there saying I didn't deposit within 30 days. I did deposit before 30 days. The citi is counting days when I applied account online not my from when account is approved.There are saying I opened account on XX/XX/2018 but I couldn't use the account till XX/XX/2018. 

Email proof when account is active. 

Dear XXXX XXXX, on Tue, XXXX XXXX, XXXX XXXX Congratulations! You are on your way to becoming a new Citibank account holder. There are, however, a few more steps to complete before you can start using your account. 

Important : Click here for the additional steps required to activate your new account. The sooner you complete these requirements, the sooner you'll be able to take advantage of all the benefits of your Citibank relationship, so please respond today. 

We look forward to welcoming you as a new customer of Citibank. We are committed to the quality of our products and services and look forward to providing you the best service possible! 

Sincerely, New Account Opening
Product: Debt collection

I got an alert in 2017 that there was a collections on my credit report. Ive disputed this several times and have requested debt validation and all that they send me is an invoice from XXXX for {$96.00} with my name but an address which is incorrect. This isnt mine and the collection agency has failed to demonstrate that this specific debt belongs to me to collect on that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts showing charge offs on my credit report, however XXXX has not responded to multiple attempts at verification of debt. I have even been hung up on in trying to request verification over the phone.
Product: Debt collection

RE : XXXX XXXX XXXX, University XXXX, XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$150.00} Highest Balance {$0.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$380.00} Highest Balance {$0.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XX/XX/XXXX These charges should have been sent to XXXX XXXX XXXX. I sent the XXXX XXXX information to XXXX but they decided to put these charges against me anyway. 

House Bill 388 states that I should not have been involved in this dispute. 

I need for these debt charges to be removed from my name and that it is stated that I have no responsibility regarding this issue.
Product: Checking or savings account

Security Service is blaming the fraudulent transfer on my wife saying she deposited via mobile deposit ( 4 ) out of town checks just under the threshold that only a employee of the XXXX XXXX would be aware of and then making rapid withdrawals of {$3500.00} at XXXX and XXXX Security Service knows that transaction is fraudulent they know the company that printed the checks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

1. XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

2. XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

3. XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

6. XXXX XXXX XXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

7. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

8. XXXX XXXX XXXX charge off account and 9. XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

9. XXXX XXXX XXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

10. XXXX XXXX XXXX XXXX XXXX XXXX collection account : This account has been included in my bankruptcy and should be reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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, block 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, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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

There was a false eviction on my credit report back on XX/XX/XXXX with a zero dollar balance. I was never evicted in fact I am still currently living here as of XX/XX/XXXX. I am trying to move but this is hindering me from doing so.
Product: Debt collection

Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ). Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to North west counseling services XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about XXXX. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.
Product: Checking or savings account

My rent for {$1000.00} shows as deposited on XX/XX/2021. The check was mailed via USPS on XX/XX/2021. My landlord contacted me on XX/XX/2021 to inform me that the rent had not been received. I sent my landlord the information available via Chase 's website showing my account being debited {$1000.00} and the scan of the front and back XXXX endorsement side ) and my landlord informed me that the endorsements do not match how they endorse their checks. I did a further investigation of past rent checks and the endorsement doesn't match any of my previous rent checks as my landlord claimed. I contacted Chase Bank 's check forgery department on XX/XX/2021. They did a brief investigation while I was on the phone and told me that it appeared to most likely to be fraud and that the check had been deposited into another Chase account. However, they would need to do an investigation that could " take up to 30 days '' before they could restore the funds to my account. I feel like this up to 30 day waiting period for the funds to be restored is excessive. If I were to make a fraud claim for my credit or debit cards, the funds are pretty much refunded instantaneously while the bank pursues further investigation.
Product: Debt collection

Id does not match the id used to open up the account. The address used to open the account is not address found or used in my credit file.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes with all three credit bureaus and not a single XXXX of them ever delete everything within a matter of XXXX hours it says that its correct and it will continue to stay on my credit report. There is stuff on my credit report that is Many many years ago that shouldnt be on my credit report anymore. Its also showing that my XXXX XXXX  are in the negative one. Actually they are fine.