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

This is my fourth 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 Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up credit counseling with DMB Financial. I sent over {$10000.00} and none of my accounts were settled. I canceled the program to pay the debt myself. XXXX of my accounts had only XXXX months paid on the account. The settle amount that DMB had was different then what my creditor had which means the account should have been paid off. I am trying to get into my DMB account but it is saying it can not find a user name. I can not even get into the account to show all the funds I sent. I even increased the amount of money monthly to get the account pad faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against Equifax situated in XXXX. XXXX XXXX XXXX, GA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EQUIFAX has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. 

This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Federal Credit Union is reporting my auto loan status incorrect to transunion the auto loan was NOT included in my chapter XXXX bankruptcy in fact I sold the car prior to filing. PenFed sent me a payoff confirmation letter. This was sold to XXXX the account was paid in full and closed by me. As the lien was satisfied. Yet penfed decided to report it as derogatory commenting included in chapter XXXX bankruptcy this account wasnt included the account was paid in full and satisfied. Not derogatory and I want this updated to reflect paid in full as it should be.
Product: Checking or savings account

I recently moved from XXXX to XXXX Part of that process involved closing my KeyBank account. 

I called KeyBank on XX/XX/XXXX to try to have my account closed. I had a positive balance at that time. 

The KeyBank representative refused to close my account. They said that because I had moved, they were unable to close the account. My understanding of the law is that if I have a positive balance and no ongoing obligations ( ie, loan servicing ) tied to the account, that I am allowed to close out a bank account any time for any reason at my sole discretion. Furthermore, it is ridiculous that moving would prevent the closure of an account. Moving is probably the most common reason to close an account for the majority of consumers. 

I believe they are following a policy like this to aggregate overcharge payments from people that are making a move. Basically, a certain number of people are going to end up with charges from forgetting to move this or that to the new account, and if KeyBank keeps their accounts open, they can then charge overdraft fees on these erroneous charges. Do this a few million times and that is some real money, but it is predatory and I believe it is illegal. An account in good standing should be closed in timely fashion when the customer requests it. The bank has no inherent and unilateral right to a relationship with me as a consumer. 

Several weeks passed, and XXXX erroneously charged my old card number tied to KeyBank instead of the new card tied to my new XXXX account. This placed my KeyBank account {$35.00} in the negative. In the meanwhile, KeyBank also charged me {$7.00} " maintenance fee '' and a {$3.00} " paper statement '' fee. 

Now they are demanding an overdraft fee in addition to the money they are charging me to " maintain '' and report on an account I do not want and have requested they close. 

I offered to pay the balance. They told me I could pay by card over the phone to avoid the late fee. They then transferred me and the new person told me that I would have to subscribe to something called XXXX to make the payment and they could not take the payment over the phone. This is a " Tie-In '' antitrust violation. They also admitted that I would still get charged the overdraft fee because the money wouldn't transfer fast enough. 

People are tired of the greed and they are tired of the scams. They think they can XXXX a million people out of small amounts and get away with what is in aggregate a very large and very crooked haul. 

Please help me close my account with these dishonest scoundrels.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX through XXXX 2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.
Product: Debt collection

The previous complaint was closed and is being re-opened. This is not a duplicate of an existing complaint as this is related to activity that happened after an earlier complaint. Stop closing valid complaints. 

Global Payments Check Services LLC is acting under malicious intent for deliberately burying certain clauses in the " Terms and Conditions '' on the PA XXXX 's website. I'm suspicious of their company due to various incidents which have taken place in the last month. After 1 transaction was returned due to insufficient funds, the company attempted to take the {$40.00} Principal that was owed and also the {$30.00} fee they charged, both which were successful on a second attempt. However, on XX/XX/2020, I received a letter in the mail from the company alleging that I owed {$70.00}. I called the company and a representative claimed that it's their policy to auto send a letter after a payment is returned once. Yet, they have every intention of resubmitting it a second time. The reason for the " letter '' is because and I quote " We don't know if it will clear a second time. '' The company consistently deflects any responsibility for 1 ) Wasting paper because of what they call a policy, and 2 ) Maintaining Consumer Data in their own database to which was not explicitly made clear other than vague references  throughout the Terms and Conditions. In addition to this, the Terms and Conditions are written in a way to confuse people. I'm also concerned because this company has been caught red handed in the past, just around a year ago. The supervisor I spoke to on the phone also made some alarming claims. He had claimed that " any company can be breached with data. '' He had made this statement as if this will happen on a regular basis. Even more concerning, is that every time I would bring the " Data '' concerns up, they would claim that I agreed to it in the Terms and Conditions, and that they wrote the Terms and Conditions, yet, it's the " Site 's fault '' for consumers being misled into thinking the information is only within their limitations. See the details here : XXXX XXXX   XXXX
Product: Debt collection

Account Resolution Services contacted me, about a hospital debt. I ask for debt verification I just received a bill from Account Resolution Services. That is not a proper verification of debt.
Product: Debt collection

they are trying to collect a debt that i dint have with them i asked them for validation of debt and they failed to validated and reported me ilegally
Product: Mortgage

I have a loan through Freedom Mortgage - XXXX months ago I applied for HARP- I sent in all documents that Freedom request- XXXX weeks ago ( XXXX/XXXX/15 ) I found out via email that the loan had been closed on XX/XX/2015- no explanation given- XXXX days prior to receiving an email from the loan processor I was informed that I would have to pay {$130.00} at closing- if I agreed they would continue with the loan- I asked what the {$130.00} was for - no answer- I was dealing with XXXX XXXX with XXXX and the next thing I received was an email from the loan processor telling me that the loan was closed did not give me an explanation nor a date of when the loan was closed - sent emails and left messages - no response from XXXX. I request to speak to his manager- XXXX XXXX XXXX XXXX assured ( XXXX XXXX informed me the loan was closed on XX/XX/2015- had I not received a notice in the mail ) I informed him that I had not received a notice via US mail and if the loan was closed on XXXX/XXXX/15 why was I still receiving emails from the loan processor regarding payment of {$130.00} at closing and I was informed by the loan processor that the loan was not closed- XXXX XXXX assured me that he would find out what was going on- spoke with XXXX XXXX who tried to blame the closing on the loan on me stating that I had not sent in all required documents- tried to explain that I never received an request from XXXX XXXX or his XXXX loan processors I was dealing with- XXXX XXXX stated that I did not send in the name of the HOA or the amount I paid monthly- XXXX XXXX was informed from the first day that I did not have a HOA or paid dues- I received an email from XXXX XXXX on Monday XXXX/XXXX/15 asking if I had been informed of {$180.00} that was one of the issues with my HARP loan ( which was closed on XXXX/XXXX/15 ) - sent an email informing him I did not know anything about {$180.00} and what other issues - I have not received a phone call or a email from XXXX XXXX or Freedom Mortgage- the lack of response and keeping me hanging for XXXX ( nearly XXXX months ) without an explanation or an effort to move forward with a HARP modification loan. Freedom Mortgage does not take responsibility for their mistakes and lack of communications but now I feel I have been discriminated against. I would like Freedom Mortgage to answer my questions regarding all issues I have had with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXBalance {$480.00} XXXX XXXX-Balance {$6400.00} XXXX  XXXXBalance {$13000.00} XXXX XXXX-Balance {$2200.00}
Product: Vehicle loan or lease

Second complaint from original CPFB complaint # XXXX a monetary relief agreement was given but Santander USA, has yet to apply to my balance this would XXXX out my loan and it would be paided in full also title would be issued after that they stated 5-7 to reflect that has yet to happen. Also, please remove from the 3 credit bureaus as mentioned.
Product: Bank account or service

I took a personal loan out. I deposited the check in my bank account. 
I was going to use the money for a down payment on some property I wanted. 
when the property became available I went to the bank to withdraw the money out of my account. That 's when i found out that the bank teller deposited my loan money in the wrong account. I lost out on the property, so I paid the money back in full to the loan company but they charged me a fee for interest, final paper fee. I want the bank to pay me back what i had to pay for there mistake because I was not able to use the money. 
I have all supporting documents from the loan company and the bank on this issue, including the deposit slip from the initial deposit.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX 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: Debt collection

I discovered several accounts on my credit report that I believe are fraudulent. I request their immediate removal and blocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} Equifax 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX  XXXX Balance : {$9300.00} XXXX : 1. XXXX XXXX XXXX  XXXX Balance : {$9300.00}
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  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # 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 an 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 or other personal consumer reports

FCRA section 605B state unauthorized by law any company need permission to report anything on my credit report. In my up load I left the law on there this my final attempt to correct these companies and Im opting out of arbitration also
Product: Debt collection

XXXX I sent a certified letter to Vision Financial Services disputing the Debt and requesting validation of the alleged debt. No follow up has been received. On XXXX/XXXX/XXXX I received notice they have reported this on my credit report with out validating the debt as requested. In my detailed dispute of the debt I made it clear all collection activity including reporting to the credit bureaus must stop until the debt has been properly validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with MG CREDIT. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with MG CREDIT to attempt to collect a debt from me. 

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form.

I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action.

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop.

I dont have a written contract with your company to collect this debt and you have violated my rights for years.

Please cease and desist all calls and contact with me, immediately!

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
Product: Debt collection

They are calling friends and family saying they are calling to follow up with a complaint receiving our office XXXX, the reference case number isXXXX. this call has been log
Product: Payday loan, title loan, or personal loan

Re : NetCredit false Statements To Whom It May Concern : Below are screenshots of me continuing to receive false statement email notifications when my loan has been paid off since XX/XX/2020 and I didnt take out any additional loans. I also sent NetCredit an email on XX/XX/2020 to stop sending me emails because I dont have a balance, but I didnt receive any response and continue to receive email notifications. 
See screenshots below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Equifax that they have an incorrect address on my credit report more than once and they do not remove it. I had open cases that never get taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This involves all my personal information data hacking that has recently been affecting my credit score and also my XXXX XXXX XXXX accounts. I am a victim of identity theft and have reasons to believe it has come from Equifax. I have never experience any bank account being compromised until this. I have been forced to close all my bank accounts, credit card. Now, Equifax has lowered my credit score.