23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of changing banks and wanted to check on the status of a security freeze on my credit information. I have been able to log into experian.com to check the status. Nothing has worked to gain access in spite of entering some confidential information. 

The first time I contacted Experian to add a security freeze was on XX/XX/XXXX after the XXXX debacle. Further, The last email I received from Experian, dated XX/XX/XXXX, confirmed that : Security freeze already on report. I have not removed this security freeze as of this date. 

And, I have been unable to reach Experian by phone ( XXXX ). In my opinion, if you publish a phone number, it should be answered rather than giving a person menu options that lead nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX " XXXX XXXX XXXX CA '' with XXXX Experian, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both XXXX  and Experian. I listed all relevant documents that prove. I have no relations to XXXX XXXX. Experian did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
Product: Credit reporting or other personal consumer reports

I would like for the collections for *Exeter finance ( XXXX XXXX XXXX XXXX, TX XXXX XXXX ), XXXX ( NCB Management Services- XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to be take off my account with my credit bureaus according to law FCRA section 605 B its illegal to report information on my credit without my permission. Also Law 15 USC 1692C ( c ) clearly states if a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication. So I am asking if theses collectors can please be removed on my credit reports
Product: Debt collection

I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. The rental company that was Stated by Consumer Collections Management Collection agency was the XX/XX/XXXXat the Arboretum. I have no debt with this company. 

I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. This Debt is somehow connected with my name, and personal identity. I will not be paying this unknown debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and saw these inquiries appearing that I did not authorize. Listed below are the inquiries that I demand to be deleted from my report. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 I hired a company XXXX XXXX  to move my stuff. However, they did a poor job, some of my important belongings were left behind. I had to ask my friend to assist. Even myself had to carry few things along with my minor. I disputed the transaction with capital one bank. I have been with this bank for many years they ruled against me. Although I provided a detail information over the phone and in writing per their request. Bank should be on my side. I hired the company for 3 hours they only worked for 1 hour and 45 minutes.
Product: Credit reporting or other personal consumer reports

This is my six 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, XXXX, and XXXX.
Product: Debt collection

Long before I had closed my electricity account I paid a debt to XXXX XXXX  XXXX in full and they decided to Report that anyway as an outstanding debt to the credit bureaus. Four months I have painstakingly going step-by-step through the process of disputing it both with the utility company and Equifax but they havent ignored my requests. 

And foremost I do not told them that that and is the reason why I continue to have my current electricity on and functioning. 

That collection account has destroyed what Ive been working on for a long time to have good credit and not oh anyone.
Product: Mortgage

i recently went into XXXX  XXXX XXXX  on XX/XX/1924. 
the XXXX XXXX program paid off all my arrears on the mortgage, with the exception of a XXXX or so. it paid XXXX. 
bsi is now showing a current balance of pre-petition arrearage, of XXXX. 
i have sent emails to XXXX with bsi, and have not seen it corrected as of yet. 
please have these arrears corrected on my account. 
ty
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to the fact that XXXX XXXX, Transunion have reported I have an outstanding debt with. They have failed to uphold the law. 
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 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 they have on file of the accounts listed in the credit report. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2018 I went to the dentist who said I needed 2 urgent XXXX XXXX. I had already put over $ 3k on my credit card, so the office manager said she could apply for a Greensky loan for the {$3.00}, XXXX for the procedures. I verbally agreed. I found out that I only had 1 XXXX XXXX and did not have any permanent crowns..yet was charged. I did not get a refund and Greensky would not investigate. I was then told I needed a treatment costing $ XXXX. I told the office manager I could not afford it. On XX/XX/18 I was emailed by the office manager " We can start your uppers Monday at XXXX or XXXX ''. Thinking that the office made me a case study or were going to put me in a payment plan ( that I was never offered before ), I went in ( while in pain, unable to chew solid food for 2 years and desperate ) and was presented with 2 sets of papers. She said they secured me a loan. They did so without my permission whatsoever. I signed the paper under coercion while medically compromised and with the threat of removal of care. The dentist then took 8 months to totally destroy my mouth, and left me with a possible hairline fractured jaw, trigeminal/occipital neurologia, and a mouth that could not function ... he then sent me a " box of teeth '' in the mail and said there would be no refund since he completed his work ( I am still in temp plastic with no bite ). I called the loan company to tell them that services were not rendered, and they were already aware that the loan was not taken out by me, but since I was paying, that means I approved of everything. ON XXXX XXXX XXXX the $ XXXX was applied for ( not by me ) and then funds removed by the dental office in less than 1 day ... before I even got paperwork in the mail. Greeksky will not freeze the account until matters are rectified, and they refuse to request receipts from the DDS. XXXX XXXX loan was also applied and taken out without my permission, but they have been helpful in obtaining receipts that do not violate any HIPAA laws. Greensky should not allow offices to apply for loans on the patient 's behalf while they are in a medical condition, nor should they allow an amount that high to be extracted. I do not know what information the DDS used to secure a loan in the first place, since I am barely working. The DDS has brought down my credit score by applying for the loan, and since the payments are not what they were told me to be, I will be looking to file bankruptcy. This is a medical based loan. Services and care was not rendered, yet I am left to pay off over $ XXXX tXXXX XXXX , XXXX XXXX XXXX. I have asked for Greensky to freeze the payments, they will not. I asked that they request receipts of lab fees, etc ... ... but they will not. This company should not be in business with professionals committing fraud and then not be willing to help the patient when the law has been broken. GreenSky states that all participating providers must make available a payment plan to patients ... I was not offered anything of the sort. Just an illegally obtained loan and then $ XXXX being wiped out in one day..just from that 1 account.
Product: Debt collection

I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said request. In turn, they responded by accusing me of disputing the debt in question and said they would be updating my credit report to reflect my dispute. I made it very clear in my letter that my request did not mean that I was disputing the debt only that I wanted validation of the debt.They have not provided me with any documentation proving that I am obligated to pay them anything and yet they have reported negative information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

JP Morgan has a 5 year contract with the US Treasury Department to provide account validation services for federal government agencies which include Social Security Administration and IRS. 
JP Morgan described its appointment as " reflecting the important role that account validation plays in Treasury 's commitment to payment integrity and the reduction of improper payments. '' From Article : XXXX XXXX XXXXXXXX : US Treasury turns to JP Morgan for payment account validation services. Published by XXXX XXXX XX/XX/XXXX I had applied for 2nd and 3rd Economic Impact Payments by filing my tax returns in XXXX and XXXX which were sent to the IRS XXXX  XXXX XXXX XXXX. I did not receive the payments. In addition, I can not obtain my XXXX and XXXX Transcript from the IRS. 

I did not know JP Morgan was responsible for validating Treasury payments for the IRS until I received my return receipt recently stamped JP Morgan as Agent for IRS and read the recent article about the 5 year Contract. JP Morgan has decided as Agent for IRS that the EIP payments I should have received was invalid. The IRS refuses to provide the XXXX and XXXX transcripts to this day without explanation. 

This quote was provided in a letter I received from the IRS in response to a Senator 's inquiry in XXXX who was trying to assist me. 

" " We were unable to determine your eligibility and calculate the second and third Economic Impact Payment ( s ) because you did not file a tax return for XXXX. '' So now it seems that JP Morgan is now authorized to make Treasury payment decisions. The IRS processing office I am having this problem with is the XXXX  XXXX IRS which processes tax returns for New York. Why is a major commercial bank making Treasury decisions about which Tax payers are to receive EIP Payments and whether to process tax returns?
Product: Debt collection

I have been contacted consistently from I.C. System, INC about a debt i don't even remember. This debt does not seem familiar and i explained to them that i am going through alot right now and these daily calls to me are inappropriate. It feels like harrassment. I have blocked the number called from company on XX/XX/22 and a call came in from another number from same company. With all the scamming going on these calls are not necessary. They have made threats to damage my credit at which on XX/XX/22 my credit score dropped XXXX points due to this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request that XXXX block the following accounts and prevent any further reporting of them on my credit report : XXXX, Account # : XXXX XXXX XXXX XXXX, Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX  Please update my Current Address as : XXXX XXXX XXXX, XXXX, PA XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I had a XXXX XXXX account that has been closed. The account has a remaining balance of payments managed through Genesis FS card services which is now known as Concora Credit. I have a payment arrangement for the outstanding balance this payment arrangement includes only one payment per month. I did not authorize multiple payments per month due to my financial hardships. I have noticed that Concora Credit has an unethical and possibly illegal business practice of charging two payments at a time. I spoke with a representative who asked if I authorize a payment of {$210.00} on XX/XX/2024 however I was charged the same amount twice. On my bank statement, I see two payments-one for {$210.00} to Concora Credit and one payment of {$210.00} to Genesis FS card services which is interesting. I called Concora Credit and brought this to their attention but they told me they could not refund the extra payment after they confirmed that they had taken more than one payment. I assume they see this as a legal and ethical business policy. I tried to dispute it with my bank but they told me to reach out to the Concora Credit. They told me to reach out to the Concora for a refund am filing this complaint just in case they still refuse to refund the extra payment and because this has happened to me before. I think Concora Credit does this to all their customers which should be illegal. It's like stealing from customers and saying well you owe us anyway. Please assist me with getting my money back.
Product: Credit card or prepaid card

On my statement dated XX/XX/23, I exited an interest free period. Virtually all of my charges, not within interest-free plans, were entirely from the current period ; however, a small amount was not paid off on the prior bill. They did not apply the payment to the small old balance first, per the second part of " XXXX Allocation of payments. '' This caused an interest charge of {$160.00} because they took the XXXX daily balance owed for the entire interest free period and charged interest on that, despite the low amount still owed. 

More recently when I transferred the balance to get away from American Express 's predatory practices, they applied the balance FIRST to four plans that I had with 0 % interest, instead of applying the payment to the current balance due, which does have an interest rate. This is a direct violation of " XXXX Allocation of payments. '' Consequently, they're still showing that I owe the entire current balance, which will incur interest starting XX/XX/23 if I don't pay it off AGAIN.
Product: Vehicle loan or lease

Ive tried to explain I did not give written consent for Honda to furnish my information on my credit report and that payment history is in accurate and reported wrongfully
Product: Checking or savings account

I got an insurance reimbursement from XXXX XXXX. Key bank lied to me all day. Supervisor XXXX promised to call me back and gave me a bogus email address that wasn't responded to either. After calling all day, canceling my check with XXXX and them reissuing a new check. Key finally tells me that they don't accept mobile deposited insurance checks. I am living in my car, in the winter and they kept me from having access to this desperately needed money. Supervisor XXXX blatantly lied to me and had no intention of helping me. I'm still unable to cash/deposit this check, as I am two states away from Key bank footprint. I have no access to the beanch which is what they are saying is the only way for me to deposit or cash this check with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a contract or done business with Caine & Weiner but through XXXX XXXX I recently viewed my credit reports, and they have an account listed as collection of {$120.00}. It states the collections is from XXXX XXXX which I have not had a policy with in many years. That auto policy was canceled by myself due to finding a cheaper rate with another agency, after the balance was paid. I have requested a dispute with XXXX, XXXX and XXXX. Ive also requested a complete debt validation from Caine & Weiner, but have not received a response. However, their last negative reporting on my credit report was XX/XX/2021 but the collections account still REMAINS on my credit report. It seems this is a FCRA violation and I am seeking legal assistance to resolve this matter.
Product: Debt collection

American Coradius called my father and left a voicemail saying she's with American Coradius and is attempting to collect a debt and gave my name. She also left a reference number to use when calling back.
Product: Credit reporting or other personal consumer reports

i have reported an identity theft as well as made a complaint with the ftc in regard the matter and i have disputed accounts that don't belong to me. 
i received a letter from XXXX  XXXX and when i called in a reported identity theft, so i have to report this becasue this is not allowing me to apply for any other credit cards
Product: Credit card or prepaid card

I have called Bank of America many times to try to get a card for my unemployment benefits multiple times. They tell me they can not help me and that I have to call the third party who is in charge of the cards. When I call this number, the recording just hangs up on me after stating no one is available to help me. There are no websites or any other available way to get in touch