23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, XXXX, I signed a contract with XXXX XXXX XXXX for a bath and shower remodel. 

They only partially completed the work. I have photos of the incomplete work. 

We had to have another XXXX come and complete the work which was an additional expense for my wife and I. 

We regularly contacted XXXX XXXX XXXX to ask them to finish the job but they ignored us. 

Then later in XXXX, we started getting emails and calls from XXXX XXXX XXXX XXXX XXXX asking us ; 1 ) if the job was completed to our satisfaction and ; 2 ) if we understood the terms of the financing. We regularly advised them that 1 ) NO and 2 ) NO. 

I personally warned XXXX XXXX not to pay PXXXX XXXX XXXX because the job was not completed satisfactorily, and we would not pay them if they did. 

We just got a letter from XXXX XXXX dated XX/XX/XXXX indicating that we have a credit account opened with them with the first payment due XX/XX/XXXX. 
If this matter is not resolved with XXXX XXXX XXXX, this credit account was opened fraudulently without our consent. And we refuse to pay them for incomplete work. 

Please advise. Thank you. 

XXXX XXXX
Product: Debt collection

I received a collection notice from   XXXX   XXXX   XXXX   XXXX   about a balance of {$130.00} from a collection agency for  XXXX   XXXX  I have never heard or delt with this person I called the collection office twice the last time was today  XXXX / XXXX /   2017  and spoke with a gentleman who I have my info to and he stated to me that the person who owes this bill is  XXXX   XXXX  I advise the gentleman that was not me as I also stated the first time I called the gentleman ask me if I contacted the credit bureau to dispute I told him I did and that this is not a good look on my credit report because this balance is not mines I have called them twice and also disputed twice with the credit bureau but nothing has happen
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : XXXX XXXX Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly. 

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

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

I had cosigned a note with my grandson for a motorcycle with XXXX XXXX, Due to Covid, employment was lost due to the pandemic, I worked with XXXX XXXX to repossess the bike with a verbal agreement they would not hold me responsible. This was over 3 years ago. Since that time they listed it as Charged Off Due to Natural Disaster. The account has been purchased by other organizations repeatedly, Every couple of months they change the wording on the charge off so they can resubmit this and keep it at the top of my report. My score is greatly affected and when I file a dispute and they fix it, it is reported again and moved back to the top of my reports. 

I feel this is nothing more than harrassment from the people who purchase the loans and continually sell the off to another to report it again. My credit is perfect other than this continuing problem with this from XXXX XXXX.
Product: Credit reporting

I am filing this complaint because Experian has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXXXXXX account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from Experian from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.
Product: Debt collection

On XX/XX/2020 I received a letter in the mail that stated I owed {$2100.00} and the due date is XX/XX/2020. The letter said that I owe an online payday loan from CashNetUSA and I would be taken to court if I did not get in touch with this debt collection company which is XXXX XXXX XXXX. I already paid my debt via a collection agency several years ago so I was confused when I received this letter. So I called the number on the letter from XXXX XXXX XXXX and spoke with a man named XXXX XXXX if that's even his real name. I gave him the file number that's on the letter and he looked me up on his computer and explained that I owe over {$2000.00} and that he was a debt collector I explained to him that I paid off my debt and it was nowhere near {$2000.00} he asked if I had any proof and I said yes. He then said okay well just pay 25 % of the {$2100.00} balance which is {$500.00} he said. I said no I'm not paying anything because I already paid off my debt and I have proof and I will call CashNetUSA to figure out what's going on here and that's when the gentleman said okay I will go into the system and write off your debt so you don't owe anything have a good day then he hung up on me.
Product: Debt collection

On XXXX XXXX, 2015, after calling XXXX Hospital to set up a payment plan for a bill for my children, I was referred to Optimum Outcomes by XXXX from XXXX billing to arrange a payment plan. I spoke with XXXX at Optimum Outcomes. We discussed a payment plan for {$60.00} per month but later that day I had {$640.00} debited from my bank account. I did not authorize this amount to be debited. Imagine my distress when I saw they debited {$580.00} more than they were allowed to. I find this to be an illegal activity and as such have reported the company to the BBB and sent a complaint to XXXX. I feel I was robbed. I called the company and spoke with XXXX and was given the run around. No company should be allowed to do this to someone. It is detrimental to my family and my health as it has created a great deal of stress and financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.
Product: Mortgage

XX/XX/XXXX, XXXX XXXX XXXX received {$25000.00} on my behalf from Hardest Hit Fund mortgage Reinstatement program. At the time I owed {$42000.00} XXXX XXXX XXXX had previously denied my modification applications on my loan due to a outstanding issue which was an appraisal submitted to XXXX in XX/XX/XXXX from XXXX XXXX XXXX. ( an XXXX company owned by me in the past ) I submitted an explanation or rebuttal explaining that I did not submit a report to XXXX and I had experienced a situation with theft of signatures that had been reported to the XXXX .They denied my explanation and refused my RMA. At that time I applied to the hardest hit fund, and as I said was approved for {$25000.00} reinstatement loan, which XX/XX/XXXX XXXX XXXX excepted. At that point I still has a past due balance. I called XXXX and was told to make my monthly mortgage payments of {$680.00} I paid XX/XX/XXXX, XX/XX/XXXX and when I went to pay XX/XX/XXXX the would not accept my payment and said I was back in foreclosure. They did not send me and intent to foreclose. In XX/XX/XXXX they did send a Modification package, but since they did not accept modifications from me I submitted a package through consumer debt councilors. XXXX XXXX did personally speak to the bank who was aware that I was looking to modify my loan to help pay the past due amount.My XX/XX/XXXX statement said my payment was late and I had a past due balance of XXXX On XX/XX/XXXX I received a notice that they were transferring the service on my loan to Carrington Mtg services, LLC as of XX/XX/XXXX. On XX/XX/XXXX I received a statement that XXXX was the total amount due and stated my loan was in foreclosure.I feel that they wrongly excepted the reinstatement from the government without providing me an agreement to pay past due amount, and feel they did not follow the correct procedure to return my loan so quickly to foreclosure. I am now having an issue with Carrington Mortgage they have a fraud item flag on my account due to a pay stub submitted in XX/XX/XXXX on my behalf that had the same year to date as the prior stub.This was received from a third party at my former place of employment and my only explanation could be they had ripped up my documents and than tried to put them back together. I have no proof, no longer work there and the company has had a completed employee turn over so no proof exists and they will not accept a modification package or repayment plan from me. I did hire an attorney from XXXX, XXXX XXXX, reputable Real Estate attorneys near me, but as luck would have it my attorney XXXX XXXX has quit his law practice in search of another career and I am stuck on my own. Please help me to find out if my rights have been ignored by XXXX and if I have any recourse. I just want to keep my home and pay my past due and current mortgage My loan is owned by XXXX XXXX   XXXX XXXX XXXX as Trustee for the holders of XXXX XXXX XXXX.
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, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud and identity theft have been committed by XXXX/Transunion/XXXX . 
I ask for a validation and verification of all items on my credit report. XXXX failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with XXXX and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) Experian - after filling out the required form, I am sent to Experien 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH EXPERIAN 'S PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from Experian and the other 2 .... WHAT THE XXXX  GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the XXXX department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX FIN 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

This is like an endless circle now. XXXX has place yet another new inquiry yet again it shows as a hard inquire when it should be a soft, once again like all five they have done on my Equifax report the inquires they are doing are missing a reason code Equifax requires a reason code to properly categorize the Inquire once again XXXX is not providing the reason code to Equifax so they are unable to categorize it properly. They did this on XXXX the again on XX/XX/XXXX then again on XX/XX/XXXX then again on XXXX and then again on XXXX. This has been going on for a month now!!! Take immediate actions to correct these inquires so they can be categorized properly. You are in violation of the FCRA until you provide Equifax a reason code so they can properly make the soft inquires. You did not have my permission to run a hard inquire. Every time I tell you about the last one you did a new one shows up!!!!
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. 
XXXXXXXX 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.
Product: Checking or savings account

I have had a business checking account with Bank of America since XXXX. I applied for and received a first round of PPP through them. That was a horrible, fraught process filled with dysfunction. I approached them again beginning on XX/XX/XXXX to begin to apply for the second round of PPP, the deadline for which is XX/XX/XXXX. Despite repeated ongoing attempts over hours, days, multiple departments, escalations, local business representatives, " tech support, '' etc., the dysfunction is so complete that not a single person has been able to correct the problem. I successfully submitted the application and additional documents were requested ( six bank statements from my BOA account showing the disparity in 3Q income between XXXX and XXXX ). I am unable to upload these documents to complete the application. There is a problem with the login credentials I was given by BOA and there is no way for me to upload the documents into any kind of portal. My loan application is not associated with the credentials or login I have been given. Wherever it is, I am locked out of it and can not access it.No one has been able to fix this issue. No one cares. I need this fixed today to complete my PPP application. I have no where else to turn. I have kept a log of most of my interactions but at this point they are so extensive and horrific I am not going to waste further time enumerating them here. A few images them are attached.
Product: Debt collection

I had a charge off on my credit bureaus from Swiss Colony, and I decided to make it right by paying the total amount. I called Swiss Colony to make sure the amount was correct, and I found out that the total was {$590.00}, with {$140.00} to go to their sister company XXXX XXXX. The account number is the same for both companies, XXXX. There is no way I would have spent XXXX on candies. I had to pay Swiss Colony through a collection agency, XXXX XXXX. After Swiss Colony had verified the full payment, I called them to see when they were going to pay XXXX XXXX ; everyone played dumb, and they told me I owed Swiss Colony all of that {$590.00}. Friday, XXXX-2017, XXXX XXXX showed up on my credit bureaus. It had n't been on there all the time I was paying off Swiss Colony, why now ; because, Swiss Colony decided not to pay XXXX XXXX their {$140.00}.