23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid {$1900.00} with my Citi Rewards credit card ending XXXX for a plumbing job. I had contracted XXXX XXXX from XXXX XXXX XXXX for a plumbing job. XXXX was backing up every time I turned the water on in the basement. XXXX went over the house to investigate and informed me that the lateral line to the mains had burst and the ground needed to be excavated to replace the pipe and curb trap. The job was initially scheduled for that weekend ; however, XXXX postponed the job multiple times claiming that it was raining and that excavation would not be possible. On another occasion he claimed he didnt have the right supplies and postponed it again. Eventually, he returned to excavate the ground but apparently nothing else was done. He lied to me and claimed that he had completed part of the job and would return another day to finish it. The broken lateral line still caused sewerage to back up inside the house. I even received a fine from the XXXX housing department for an unfinished sidewalk because it was left unfinished for so long. 

Because of XXXX deceit and incompetence, I had to contract another plumber to complete exactly the same job I had contracted him to do. They informed me that no work at all had been done, other than that a giant hole had been excavated outside my home. You can see from the two invoices by both companies that the same main items were quoted : 1. Excavation, 2. Installation of new cast iron curb trap, 3. New lateral pipe Throughout all of this, XXXX responsiveness has been abysmal. He has been literally impossible to get a hold of. He never answered any of my calls and ignored ALL of my texts. I called him 21 times between XX/XX/XXXX and today and sent him almost 10 texts with no response. 

Because of XXXX extremely unprofessional attitude, unresponsiveness, and incompetence, not only have I suffered the {$1900.00} loss ( to which my credit card company has refused to refund me ) but it has also caused the delay of the sale of my house which is incurring me $ XXXX / mo in mortgage payments. During this entire period I have not been able to rent my house or sell my house causing me to lose a huge sum of money. 

After failing to resolve this with XXXX XXXX XXXX ( again due to all my calls / texts going unresponded ), I filed a complaint with Citi. The last communication I had from them was XX/XX/2020. They informed me that the case was resolved in the merchants favor and nothing further could be done. 

Attached are the following : 1. Screenshots of SMS messages sent to XXXX that went unresponded 2. AT & T records of me making over 28 phone calls, the vast majority of which were never answered 3. An invoice from XXXX XXXX XXXX showing what he was contracted to do to fully remedy the broken lateral one 4. An invoice from the new plumbing company showing what they had to do. You can see that
Product: Debt collection

I returned the items that i had gotten a ZipPay pay in 4 advance / loan with {$4.00} to pay back in every payment I believe. They started tacking on fees not owed after an item was returned to the store and are adding on more and more fees that arent valid. Predatory debt and loan collection.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the initial attempt to remove fraudulent items from my credit report. Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I took immediate action to address them by reporting the fraud to the relevant credit reporting agencies. Despite my prompt reporting of the fraudulent activity and submission of all required documentation, including police reports and affidavits, the credit reporting agencies failed to take appropriate action to remove these fraudulent items from my creditreport during the initial attempt. This failure to promptly address the fraudulent activity on my credit report has resulted in significant financial and emotional distress. I have been denied credit opportunities and have incurred additional expenses as a result of the fraudulent accounts and transactions appearing on my credit report. I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00}.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 100 % 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. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX  XXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX that the debt is fraudulent, but the fraud took place on XXXXXXXX XXXX end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

In XX/XX/XXXX/XX/XX/XXXX of this year, I realized I could not pay the full amounts on the payments for my student loans. I applied for a PAYE arrangement and it seemed that it was granted, but the past-due balance was not updated or changed to reflect my new arrangements. I have been making monthly payments; the most that I can afford, but now I'm told that my account is delinquent.
Product: Student loan

I received notification that my loans were forgiven as of XX/XX/XXXX. I had been making payments to MOHELA and informed in XX/XX/XXXX that I had overpaid approximately {$3100.00}. I was told to wait approximately 90 business days and they would send me a reimbursement. When the reimbursement did not show up, I called and they told me it was still being processed and they would escalate or " expedite '' the issue as of XX/XX/XXXX. I made multiple calls in XXXX and XXXX, told that they were looking into it. Then I was told MOHELA was transitioning to a new platform and would need to wait until XX/XX/XXXX to do anything else with my account. When I called in XXXX, I was informed an investigation was never started on my account and it was never " expedited. '' An expedited review was finally submitted on XX/XX/XXXX. I was told there was nothing I could do but wait. It has been 90 business days and I still don't have my reimbursement. I just sat on the phone for 3 hours and 50 minutes today. After someone finally answered the call, they could not help me because a supervisor needed to help with this issue. After I was transferred, the answering service said it was end of business hours and I was never connected to anyone.
Product: Checking or savings account

Had several fraud charges on my account went to the bank several times to have it resolved was not able to get it resolved bank is trying to charge me for these fraudulent charges
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. Fraudulent accounts and unauthorized inquiries have been opened in my name without my consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file immediately : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$71.00} 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2400.00} 21. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX0 - {$00.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$110.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled personal information, directly leading to the exposure and theft of my personal information.
Product: Debt collection

XXXX XXXX Why Not Lease It, based in XXXX OH, has called me several times for several the last several days prior to XXXX am local time ( Mountain Time Zone ). In total, I have received 17 calls before XXXX am local time ( Mountain Time Zone ) over the last 6 business days. I have called them back and am told it is an attempt to collect a debt. While, I full acknowledge having an open lease agreement with the organization that has been and is current, never once late or delinquent, I have no past due amount. Further, when I spoke with a gentlemen today, and asked why they were calling me at this hour, I was told " pay your bills and we won't call you. '' At that moment he went into his this is an attempt to collect a debt and all information gathered will be used to collect the debt referenced. I demanded to speak with a manager. I was turned over to XXXX at that time and made mention that I knew that they were violating the law. He said yes your right. The purpose of the call was a " WELCOME CALL '' not to collect a debt as I was informed. Sadly the same welcome call was completed on XX/XX/2020. I have asked several times to stop these calls and am told they can and will not. At this time, I ask that they been investigated and punished accordingly. I plan to speak with legal counsel today on this matter and will seek further personal legal remedies on this matter including damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill from midland credit was supposed to be paid by insurance. The company was sent the insurance information three different times and they refused to remove from my report
Product: Credit card or prepaid card

On XX/XX/2019 at approximately XXXX I went to the Capital One branch in XXXX, LA and attempted to make a cash payment on my wife 's credit card, which I am an authorized person, in cash for {$140.00}. The bank teller refused to accept the payment unless I provided him with my state id. I then spoke with the branch Ambassador, XXXX XXXX XXXX, who also refused to accept the cash. I advised both that the account is closed. He stated an ID is still required and then returned the cash. I provided both the teller and the ambassador the payment stub provided by Capital One. 

I then contacted Capital One credit via telephone on a recorded line and a senior account manager stated payments can be made in cash at local branches. She also stated that the payment would not be accepted without an ID to prevent fraud on the account.
Product: Payday loan, title loan, or personal loan

I'm trying to make a principal payment to the loan in order to pay it earlier. They say that their system won't allow it. Any extra payment I make part of it will go toward future interest and the other part toward principal, even though I'm making the regular monthly payment. I want they to apply all the extra payments to principal in order to reduce the interest payments and term of the loan. 

They never disclose that when I signed the loan agreement.
Product: Debt collection

I have no idea what this Debt is from for the Amount of {$970.00} i WANT THIS REMOVED THIS IS IDENTITY THEFT & FRAUD I want this debt removed immediately!!
Product: Mortgage

I was approved for a deed in lieu XX/XX/XXXX after trying to get my Loan modification for three years denied. Once we called Confirm all documents requested was received We moved out by vacate day XX/XX/XXXX. 
XX/XX/XXXX we received a Denial letter Called back XX/XX/XXXX to find out why and we still wanted the deed in lieu We were told they had to investigate after investigation they told us it 's to let to be review for a deed in lieu it has to be 45 days one represtative told us 15 days you never get the same Answers to many people work on one file
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I terminated service with XXXX XXXX XXXX after many years as a customer. They tried to tell me I had a contract, which I did not. They billed me an early termination fee. I contacted XXXX XXXX XXXX several times after they billed me almost 2 years ago. I asked for proof of a contract and they were unable to produce it. That is because there was no contract. They have now sent the debt to three separate collection agencies over the almost two years. The latest debt collector is Franklin Collection Service Inc. Each debt collection company that calls I tell them that the amount is disputed and not owed to XXXX XXXX  XXXX XXXX I ask them to provide me of proof of a contract to support the debt, which they fail to provide me. I tell them not to contact me again but they keep contacting me and they are ruining my good credit by placing a debt collection action on my credit report. I need assistance getting this corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for all three big business bureaus XXXX, Experian, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at 10 and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding Experian had and it did this in town the XXXX I have not received it yet I have a membership at Experian and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES