23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We hired an Architect for support when remodeling our house. We signed an agreement/contract with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  who then placed a new hire, XXXX XXXX XXXX XXXX with us. After a couple months XXXX left XXXX XXXX XXXX and we decided to stop working with them as well. I went into their office on XXXX last day of employment and wrote a check to pay off our account in full. At this point we had only developed a floorplan and elevations and we had hired a new designer and architect to create construction documents and structural plans because of XXXX XXXX XXXX incompetence. We then received a bill for almost $ XXXX which we immediately disputed. XXXX emailed us back several times promising to correct the issue but never did. I continued to email XXXX reminding him to please fix the billing hours that were incorrect, reminding him I paid in full on XXXX last day. We have a signed agreement for the project and have never agreed to this random {$9000.00} bill for additional hours/time. We asked for clarification and correction for months and we were never responded to, despite being told by XXXX that he would handle it. We have all of these emails. We were then sent to collections for these hours that were never approved and never accounted for by any type of work provided. The collection agency was provided our signed contract and the cleared checks but they are still threatening to report us to the credit reporting agencies, which I also feel is not appropriate or legal since there was not any goods delivered, this false bill/claim is for time/hours which cant be verified by any contract and we have been incorrectly billed for.
Product: Mortgage

We are late on our mortgage and have applied for modification in the past. The modification process can only be described as incompetent at best, and deceitful at worst. Documents are lost, the file is never complete despite repeated attempts to be told exactly what is needed, and in final review, no meaningful accommodations are made. More recently, I have been given different information each time I call in to find out what payments can be made. I was told to mail in checks because they wo n't take partial payments over the phone. One check was cashed and applied, the next was returned. In fact, I had called to see if they had received it and they said they had no record of the check arriving at the office. Obviously someone had received the check, and reviewed the account to the extent that they were able to return the check. But no customer service rep was informed or would tell us what was going on. We were told on Saturday the XXXX of XXXX, XXXX, that the account had not been referred for foreclosure. On Monday the XXXX, we received a certified letter that it was in foreclosure. On Thursday the XXXX, I called Chase to find out what options we had. I made arrangements to pay {$3600.00} on Friday, XXXX XXXX, XXXX, which when combined with an unapplied balance, would cover XXXX, XXXX and XXXX XXXX payments. They told my husband the same thing earlier in the week - that they would accept 3 month 's payments. Today, I received a phone call that the account was returned to foreclosure status on Monday, the XXXX of XXXX XXXX, and that three months payments WOULD NOT be accepted, and we had to pay all past due amounts plus fees. They did not have notes of our prior conversations with reps. 

This is either sheer incompetence or a systematic way of doing business that puts consumers in a precarious position. It is a shameful way to conduct business especially in light of the fact that Chase was the recipient of a generous bailout during the subprime mortgage crisis of XXXX and XXXX. 

Please help in any way you can. We are just two working people who had a very hard time during the recession. We have a college student and a XXXX in high school, and are managing our own student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX  is furnishing. 

LIST OF INNACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY THE XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Account number XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number XXXX XXXX DEPT.OF SOC.SERV.-CHILD SU Account number XXXX XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for receiveables factoring for my small business, XXXX XXXX, with a marketplace called XXXX. Due to the Equifax data breach, I keep all three of my credit reports frozen. XXXX uses Equifax. Despite trying 4 times online starting XX/XX/XXXX and again XX/XX/XXXX, twice on their IVR, and speaking to 2 different call center reps on XX/XX/XXXX - 1 was a supervisor - they claim my credit report is unfrozen but as of XX/XX/XXXX XXXX is unable to access my credit report.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit card or prepaid card

Have a Kohls store credit card, which I rarely use. Made a purchase in XXXX, and do n't remember getting a paper statement ( I had not elected electronic ). Got an email today that I had missed a payment, and had a balance of {$86.00}. When I got home from work, logged on, and paid the amount. Since I did n't remember the purchase, looked at statements on the website, and noted the purchase I made was for {$32.00} on XX/XX/XXXX, and ( again ) do not remember getting a statement. I have never been late before, always just paid via bill pay when I got a statement. I reviewed the activity since, and noted they charged a {$15.00} late fee, then a {$37.00} late fee. The balance was outstanding less than three months ( XX/XX/XXXXXXXXXX/XX/XXXX ), yet the late fee is +100 % of the original charge. The customer service line offers to route you to customer service, but after waiting 15 minutes on hold, realized I was waiting in vain. 

Is there no regulation that prohibits companies from charging such an exorbitant late fee?
Product: Checking or savings account

I finally got a response back from Chime just to keep giving me the run around about an ID and Drivers License! I had to get a new license due to it being expired and they told me that it was ok if I sent them the Temporary IDs front and back.But when I send them they keep lying and asking for different backgrounds wasting hours out my day! Is this legal cause I sent them a Letter of Intent that my lawyer told me to type out and they keep saying in order to reopen send the same items several times! Im truly traumatized by this situation!!! This can not be legal! I understand now that this isnt a bank but I sent them everything and dont know what else to do besides make a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX : Acct # XXXX
Product: Prepaid card

I received a gift card on XX/XX/23 in the amount of {$200.00}. When it was first attempted to use the card online at XXXX it was declined. I later learned, after I checked the card balance online, that the funds on the card had already been spent on XX/XX/23 at XXXX  even though neither my Wife and I had used the card. 

I called the support line on the back of the card ( XXXX ) for assistance and I was told to submit a claim and the company would look into it. I submitted a copy of the receipt, a copy of my license, and a picture ( front & back ) of the gift card in my email to XXXX with XXXX # XXXX on XX/XX/23. 

I called the support number again today XX/XX/23 and they informed me they never received the documents and to email them again. I had them confirm the email address again and they stated the exact same email address I had previously sent the information too, XXXX. 

With my new suspicion, I did some quick digging on the internet ( XXXX XXXX XXXX, etc ) and found what looked like hundreds of cases of other people complaining about the same issue of receiving VanillaGift.com Gift cards with the funds already gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis was contacted requesting back up documentation on a bankruptcy they are reporting to credit bureaus, they have yet to provide the requested documents.
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. 


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. 

Name of Account Account Number Verification OFFICE OF THE ATTY GEN XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identitu Theft. 


Thank You, 
 XXXX XXXX
Product: Debt collection

This company has called me from a block phone number twice yesterday and to my mother home phone leaving a name and phone number only, when I called back a lady named XXXX answered the phone and said someone would have to be at home for paperwork to be delivered there and that person must show legal id and also called a reference and left the same message while still calling from a blocked phone number. I called back to the phone nimber listed lady name XXXX answered the phone amd said the company name is XXXX.When I asked for XXXX to transfer me the phone when to a guy that would give me a phone number to call nor address and told me he was calling from XXXX.when I tried to look up these companies online did n't give me any information and the phone number they called from I could n't get answer back after I called and left voicemails. I called today to company that I had the debt with XXXX they gave me the phone number to debt management partners then when I called them I got the phone number to Hewitt capital and a young lady named XXXX told me the account was locked and she would n't answer any questions nor traffer me to anyone she got my contact information and no one has called back yet.
Product: Mortgage

Although the latest statement on that loan indicates that payment towards principal were made in the amount of {$1000.00} on XX/XX/XXXX and XX/XX/XXXX and the balance at the end of XXXX was {$26000.00} interest was charged on the amount of principal of {$28000.00} for the month of XXXX in the amount of {$57.00} although interest amounts for the following months were consistently decreasing except for the month of XXXX : XXXX, XXXX - {$74.00} XXXX, XXXX - {$69.00} XXXX, XXXX - {$68.00} XXXX, XXXX - {$62.00} XXXX, XXXX - {$63.00} XXXX, XXXX - {$60.00} XXXX, XXXX - {$53.00} XXXX, XXXX - {$56.00} Taking into consideration that the interest rates is still the same all that time at 2.5 % increases in interest in XXXX and XXXX are questionable in view of the fact that the principal was smaller in those months than in previous months.
Product: Prepaid card

This prepaid gift card was given to me in XXXX of XXXX. In XXXX of XXXX I went to buy groceries and I tried to pay with my prepaid gift card. Card was declined. On XXXX I called the telephone number on the back of the gift card and was told by the telephone representative that i needed to get in touch with the state for unclaimed property deliverance to claim monies from card back. I asked for a replacement card but was told to contact the unclaimed property deliverance via website. The amount on gift card is {$100.00}. Please assist me with getting my monies back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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

XXXX a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I hada car loan with XXXX and paid it on time for 4 years as a lease car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy
Product: Credit card or prepaid card

In XX/XX/XXXX a credit card purchase of {$1900.00} was made with the Best Buy credit. I was paying my monthly minimum credit card on the Best Buy credit on-time. My minimum could increase from time to time. And then in XX/XX/XXXX, there was an interest charged of {$120000.00}. 

I called and asked for according to them credit was to have been paid in full within the 24 months or that it would be subject to to the interest for the financing of that purchase. 

Now they are sending me bills for over {$200.00} and charging my account {$37.00}. I told them I could not afford such amount and advised that account be closed, which they did but are still charging interest and late fees. I asked that I was willing to pay $ XXXX monthly but they needed me to pay more and typically even as I pay, these charges are being applied.
Product: Credit card or prepaid card

I rented a vehicle from XXXX in XXXX, XXXX on XX/XX/XXXX. 
The rental was for two days with the vehicle due back before XXXX XXXX on Sunday XXXX XXXX. 

I returned the vehicle at approx XXXX XXXX on XXXX XXXX and later that day received an e-receipt from XXXX. The bill was incorrect as they showed a return time for the vehicle of XXXX XXXX. 

I contacted the XXXX contact center the next day to complain. I was told that it would take six weeks to resolve the issue as the team had no ability to see or resolve international reservations. I eventually got through to an XXXX Customer Service Manager ( who identified herself at XXXX, Floor Supervisor in XXXX, Employee No. XXXX ). XXXX was wholly unhelpful and told me I had no option than to wait. I was given no complaint number and no resolution status. 

I have used XXXX for many years and regularly drop off my rented vehicle at airports without any issues. 

My complaint : XXXX XXXX XXXX team did not book in the car at the time it was returned. Proof of this is my return flight from XXXX XXXX to XXXX XXXX ( I sent copies of this to both XXXX and Chase, my Credit Card provider ) * XXXX did not provide a response to my complaint * I disputed this charge with my credit card provider, Chase. They issued a " temporary credit '' on the charge while they took time to investigate the dispute. 
* I cooperated with all inquiries made to me by Chase Bank * I noticed that this " temporary credit '' was still appearing on my credit card bill in XX/XX/XXXX, i.e. nearly two years after the initial dispute * I raised the issue with Chase via their online portal. After several weeks I received an electronic response to say that Chase had found in the Merchant 's favor by virtue of the excess time that the dispute was open. This despite the fact that I have received no communication from wither Chase or XXXX in more than 18 months * I called Chase to complain. I feel I was mis-led by their operator XXXX XXXX and her Supervisor XXXX, who stated that it was normal Chase practice to leave open disputes until such time as either the cardholder or merchant called. I played back an example in which I purchased {$10000.00} of good then disputed the transaction the next day. XXXX insisted that the charge would be held in dispute in perpetuity if Chase was waiting for a response from either the Cardholder or the Merchant, with no limitation on time. I feel that this is a gross mis-characterization of the actual dispute process and was offered as a diversion to Chase 's failing in executing my original dispute transaction Chase has agreed to credit my account with {$75.00} ( the approximate amount of the disputed charge ), however it is their poor processes and deceptive explanations that I wish to highlight
Product: Debt collection

Medical Revenue Services has been contacting my employer regarding a medical debt. I do not know why they would contact my employer. When I answered the phone the lady was extremely rude and pushy, when I told her not to call this number and I couldnt talk she would not stop pushing me to give her my information. I believe they have also been contacting family members.