23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I cancelled a contract ( see attachment 1 ) for step repair with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), and stopped payment on a check to XXXX XXXX XXXX XXXX XXXX XXXX. I had signed the contract on XX/XX/2021, at my residence and handed over the check for {$3700.00} to XXXX XXXX XXXX XXXX I cancelled this contract and stopped payment on the check to due the following : 1 ) I had very little time to review this contract prior to signing 2 ) On XX/XX/XXXX, I recieved a call from PLS Financial Services, asking me questions about my payment to XXXX XXXX XXXX XXXX and asking me whether I planned to stop payment on the check. I became suspicious and stated that I did not plan to cancel but did not want to give up my right to cancel the check. I have made payments to contractors in the past and have never been contacted by a third party like PLS Services and asked questions such as these. This was a red flag for me. 
3 ) I noticed a clear pattern of bad business practices that included unprofessional behavior, exhibiting anger, frustration by the contractor, and adding terms at last minute to the contract which I had not agreed to orally, and even objected to during our conversation. 

Therefore, on XX/XX/XXXX, I let XXXX XXXX XXXX XXXX know over the phone that I would be cancelling the contract and stopping payment on the check on XX/XX/XXXX. To document cancellation, I emailed ( see attachment 2 ) and texted ( see attachments 3 and 4 ) XXXX XXXX XXXX XXXX immediately after that phone call letting him know that I was cancelling the contract. I stopped payment on the check a few minutes after I sent the email and text. 

On XX/XX/2021, a representative from PLS Financial Services ( from phone # XXXX ) called me regarding stop payment on a check I had written for payee XXXX XXXX XXXX XXXX XXXX XXXX ( see attachment 5 ). They claimed I owed PLS Financial Services money because I had cancelled the check to XXXX XXXX XXXX XXXX XXXX XXXX. The representative claimed that I would be responsible for returning this money, threatened me stating that I should hire legal representation, and stated that they would be reporting me to collection agencies. Please note the check was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, and not PLS Financial services. In addition, I have no business or agreements with PLS Financial services, nor was I aware that they were going to be involved in this transaction when I wrote the check to XXXX XXXX XXXX XXXX XXXX XXXX. 

As noted above, XXXX XXXX XXXX XXXX had sufficient notification that the contract was cancelled and payment stopped. Since the time that I cancelled the contract and payment on XX/XX/XXXX, no work has been performed by XXXX XXXX XXXX XXXX XXXX XXXX, at my residence as per the cancelled contract ( see attachments 6 and 7 ). Therefore, the money that XXXX XXXX XXXX XXXX got from PLS Financial Services was not used on this job. As per PLS Financial Services COMMERCIAL CHECK CASHING APPLICATION XXXX XXXX XXXX XXXX XXXX, is responsible for all returned Checks, plus a dishonored check charge ( See attachment 8, page 4 ).
Product: Mortgage

we have tried to work with Pennymac since 2013, upon my father in laws death. Pennymac has refused to assist us in this matter and had my husband sign what I believe to be a predatory loan modification and lied about origination dates. We asked that the loan be moved into my husbands name originally and they stated that that could not do that even though probate had closed. I am perplexed as to why they are able to operate like this my husband has been asked to complete several forms and also has to have them all notarized for them to speak with me yet they never seem to have the form available to be viewed or request another one.. My husband is permanently XXXX and we are trying to keep this him. this all stated with a predatory loan for a construction project that has yet to be completed and the company attached the entire bill to our property taxes. I have tried to resolve this many ways and its just wont work I am in need of assistance to resolve this matter, thank you
Product: Mortgage

In XX/XX/XXXX, I purchased a home in the XXXX, Arizona area. I work for a XXXX XXXX and due to the Government shutdown, I was not able to pay my XXXX mortgage payment. I have attempted to work with the current loan company but they have not been helpful. I am still unable to make my payment. However, upon coming across this issue, I am also trying to sell the home I am currently living in. It is listed for sale for the past 2 months because of medical issues I was also having previous to the shutdown. In that time, the relationship with my boyfriend ( non-marriage or in process of marriage ) had ended in XX/XX/XXXX. I am the only one on the  loan but had added my boyfriend to the title in XX/XX/XXXX. My boyfriend gave me a gift of {$40000.00} to purchase the home for us from the sale of his previous home ( see attached gift letter ). Since the end of our relationship, my previous boyfriend has sought legal counsel to get his money back from me despite signing the gift letter. He also reached out to the lender that issued the loan to me and had him sign a letter saying the money was a gift and should be retured to my previous boyfriend ( see letter from the lender attached ). I can't help but feel that my previous boyfriend and lender conspired against me from the beginning. The lender acknowledges he was trying to satisfy " the guidelines '' to get the loan approved. I truly feel this is fraud committed by the lender and a conspiracy to extort money from me. I further feel this was a scheme planned out by my previous boyfriend with assistance from the lender to take money and my home from me. I have an order of protection against my previous boyfriend for XXXX   XXXX ; I am scared of his actions. I don't know what to do and need help while I try to sell my home. Thank you for listening and considering my concern.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 


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

I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I inquired with Experian, XXXX, XXXX, and the companies listed below on XX/XX/year>, to request the removal of hard inquiries from my credit report. These inquiries were based on applications for loans that I did not receive. 

**Companies : ** - XXXX : ** XXXX XXXX - XXXX : ** XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ** XXXX XXXX via dealer - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ** XXXX XXXX XXXX - XXXX : ** Factual Data ( aka XXXX XXXX ) I have requested that these hard inquiries be removed, stating that they were made under the presumption that a loan would be issued, which did not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following employment data reported on my XXXX XXXX, Experian and XXXX  credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I took a trip to XXXX in XXXX. The hotel placed charges on my credit card that did not belong to me and when I contacted them about the issue, they confirmed in writing that the charges were for another couple. I disputed the charge with Capital One and provided that letter as well as the correct billing for my room and services which were paid for using another credit card, however, they claim that I did not provide them with the documentation that they requested and that they would be reapplying the charges that belong to another traveler to my credit card. This amounts to fraud on the part of the hotel and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 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: Student loan

I graduated undergrad in fall XXXX so my private student loan, previously held at XXXX XXXX XXXX  and now currently at Firstmark Services, was in grace until XX/XX/XXXX. I entered XXXX  school in XX/XX/XXXX and called Firstmark Services to find out if I was eligible for deferment. I was told yes and sent a form for my school to fill out. I returned said document to Firstmark Services the beginning of XX/XX/XXXX. Never heard anything back. When I called on XX/XX/XXXX to make sure I was back in deferment, customer service rep was rude and condescending and told me that my document was declined due to missing my schools stamp or seal. Upon asking why no one had informed me, customer service rep said that because I was in grace, I was not a priority. All the while I could hear his tv playing in the background. I had to ask multiple times if I needed to make a payment before this deferment business was fixed and he was not giving me a clear answer. There is no where on their website to leave a complaint or do a survey either
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXXXXXX  through XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via a XXXX XXXX XXXX, and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry for XX/XX/2021 that I dont recall doing. I called the company and got a return call from XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian - The following inquiry were not authorized and should not be reporting.
Product: Debt collection

I never opened a loan with this company. I am a past employee of the company and while employed I opened a personal credit card and personal checking account, but I never applied for any type of line of credit. I spoke to a representative with the company and they said they would open a fraud case, but I never heard anything more until I recently reviewed my credit report and noticed this false inaccurate information reporting under my name. When I worked there we had many cases of false account openings and I dealt with many clients that were victim of account fraud. This company needs to be held responsible.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/year> SSN XXXX I have disputed this inaccurate information WIC Capital One through certified mail with FTC reports identitytheft.gov XXXX  in all three credit bureaus I have not yet received a validation of that proving that this account belongs to me I have been waiting for a contract that I have signed with my wet signature indicating that this account is mine this account was not authorized and is fraudulent I did not open the account with Capital One and should be removed from my credit report there are two Capital One accounts reflecting on my credit report that I have no idea what they are remove immediately well I'll be forced to take legal action for these violations
Product: Credit card or prepaid card

Chase Bank was notified via document upload and through registered mail delivered today to their registered agent in the state of Florida that they have 30 days to refund my money pertaining to dispute XXXX. If I'm not refunded in 30 days, small claims court and/or arbitration will be initiated. A purchase was made with my Chase credit card, and Chase denied my dispute despite never, and to this date, having received anything from the merchant, and the merchant confirming order was not fulfilled and them being unable to issue refund. This noticed is being sent to Chase as further evidence to be used in court that they were properly served and notified. And hopefully government employees monitoring bank compliance can read this and realize Chase bank is not investigating disputes correctly and shifting the responsibility to customers. This issue was also reported to the Federal Trade Commission. Furthermore, a notice was sent to Chase requesting all internal information and communication pertaining my dispute to be used in court. To any government employee monitoring this, Chase 's Executive Office doesn't do anything. They send a copy and paste answer and never address the concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months
Product: Credit reporting, credit repair services, or other personal consumer reports

After thoroughly looking at my credit report, I do not recognize these inquiries listed below. I understand there has been a data breach in XXXX with Equifax in which I was a part of and I notified Equifax of these marks on my credit report with no help : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Kohls is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a Kohls rep on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been XXXX days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If Kohls is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a Kohls error. 

I spoke with XXXX XXXX from Executive offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Truist Bank deposited payoff {$88000.00} in my Bank of America XXXX account then on the same day Truist Bank did a reversal. At the same time, it closed my account with Truist Bank. I kept going to Truist web site to attempt to make my XXXX XXXXXXXX XXXX of XXXX I also wrote the XXXX a letter and was not able to access my account to make a payment. When I called Truist Banks customers service, I was told I did not have a account. The entire time with Truist Bank, I have not received a statement for this account. 
XXXX XX/XX/XXXX, I received the first email from Truist Bank and then was able to access my account to make a payment. Once if found the amount I had to pay, {$3800.00}, I paid it immediately. After going months, without any communication from Truist. 
This whole incident was caused by Truist Bank, now this bank has damaged my credit by putting, in a credit report I can not see, that I was 90 days late paying XXXX XXXX XXXX of XXXX. Furthermore, Truist Bank has not put the late notices on any of the three credit bureaus, XXXX, XXXX, and XXXX and I am not able dispute anything. Truist Bank has not the entire time sent me any statements regarding my account. On their website, there are no statements for XXXX XXXX XXXX of XXXX. 
Only XXXX, shows Truist Bank did hard hits to my credit reports without my permission. One hit was in XX/XX/XXXX and one in XX/XX/XXXX. 
What I want to resolve this problem, is Truist Bank fix/remove the 90 days late they put on credit reports that I can not see, and put always paid on time and never late. I also want the hard hits on my Credit reports removed. I really want my credit repaired. 
I am XXXX women, who is a XXXXXXXX XXXX. I was in the XXXX XXXX as XXXX in the XXXX XXXX XXXX. All of this came to light when I applied for a XXXX XXXX to pay off Truist Bank Equity line of credit. I am currently working part time and refinancing would have help XXXX XXXX. 
I am looking forward hearing your reply and hopefully a resolution to this problem. I will continue to seek help next will be the XXXX XXXX XXXX XXXX. 
if any questions, please contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently sent out letters to the Consumer Reporting Agencies about inaccurate items on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these items, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.

Here are the items that need to be DELETED from my report. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$5900.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$6100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX