23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Penn Credit Corp has constantly been calling my home for some time ( 24 calls since I began counting XX/XX/XXXX ). These are mostly hang up calls that register on my caller ID system. Penn Credit has left only two messages on my answering machine. These messages are vague and require an action from the listener ( " Hello. I have a message concerning important personal business. To receive this message in English, press one. '' ) When I looked this company up, I found them to be a debt collection agency. 
I am a single woman and responsible for my debts and those alone. I only owe money on a mortgage and that is up to date. I have never been late or delinquent on bills. I have never walked out on a debt ( retail, utility, medical, car, taxes ). I can only assume XXXX of XXXX things about the calls from Penn Credit : 1. These calls are for another unnamed person and Penn Credit has an incorrect/outdated telephone number on file. 
2.These calls involve some kind of scam or an illegitimate attempt to collect a debt I do not owe. 
Since I have never received anything in writing from Penn Credit Corp, and I presume that would be the initial form of contact, I believe # 1 to be correct. Therefore, let it be known, that I will never answer Penn Credit 's calls, respond to their messages, or call them back. They have a wrong number on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Barclay Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for Barclays Card XXXX for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with XXXX and was told that Barclay Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. Barclay Bank is not reporting accurately even after making my settlement amount. XXXX has collected the whole settled amount for Barclay Bank but Barclay Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with Barclay Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from XXXX or XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit file. A detailed list of these items is attached for your reference. 

As a victim of XXXX XXXX, I have discovered multiple unauthorized accounts and inquiries on my credit report that I did not initiate. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported this identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new bank account with my jobs credit union XXXX and was denied due to me being in chexsytems. I read the report from chexsystems and it states that I had a closed, overdrawn account from XXXX XXXX XXXX and it was listed as XX/XX/XXXX. XXXX. I was in the military from XXXX until XXXX and have only had XXXXXXXX XXXX  and XXXX XXXX I have never had an account with. XXXX XXXX XXXX since XXXX. XXXX XXXX  XXXX XXXX account was never over drawn and simply closed due to me not liking their service.
Product: Credit reporting or other personal consumer reports

This request is being made as part of the documentation requirements for a housing application I am currently completing. The property management company has asked for a copy of this report to assist in evaluating my eligibility as a potential tenant.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOSCCX company out of Idaho acquired information via XXXX and without authorization used my Social Security Number to run down my credit on an account already reported by XXXX. When I requested that XXXX remove the redundancy, XXXX did not comply and claimed that they had right information so this company can run down my credit
Product: Student loan

I would like to know how to cancel my private student loans that I took out in XXXX through Sallie Mae ( they are now with Navient ). Since that year, the school that I attended closed ( the XXXX XXXX XXXX Michigan XXXX and has several lawsuits filed against them for dishonest practices. 

My student loan payments are in good standing and I have paid several XXXX  of dollars on them each month, and my balance in XXXX ( {$18000.00} ) remains my current balance now in XXXX ( {$18000.00} ). 

The XXXX XXXX was dishonest in their practices of selling and marketing to students who had little to no knowledge about financial aid. It is my opinion that they pressured myself and other young adults to register for classes and take out tens of thousands of dollars in private loans to attend a college that lied about their job placement statistics and inflated graduate success rates, as you can see in the lawsuits that have been won against them. 

I wish to have all of my private student loans with Navient cancelled, as my Federal loans have already been cancelled by the government for these very same reasons.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction concerning the ongoing presence of fraudulent items on my [ account/bank statement/credit report, etc. ], despite multiple attempts to address the issue. This letter constitutes a formal complaint regarding the many unsuccessful attempt to remove these unauthorized entries. 

The persistent presence of fraudulent activity has caused me significant stress and inconvenience. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and promptly addressing any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( Missouri XXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : Experian, XXXX, and XXXX. Despite XXXX XXXX XXXX no longer servicing my student loans, they continue to report inaccurate information, which is negatively affecting my credit. 

1. Loan Status : My student loans were transferred from XXXX XXXX XXXX to a different loan servicer. However, XXXX XXXX XXXX has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. 
2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. 

XXXX with XXXX/Dept of XXXX : I have made numerous attempts to contact XXXX and the Department of Education to XXXX this XXXX. Despite my efforts, the inaccurate reporting continues. 

4.Impact on My Financial Well-being : The inaccurate reporting by XXXX of XXXX has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. 
XXXX. My current loan servicer is correctly reporting my loan debt but because of XXXX OF XXXX reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that MOHELA/DEPT OF XXXX is reporting XXXX 

I request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXX XXXX XXXX XXXX 

According to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

How are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? 



I appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. 

Thank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. 

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

I've contacted XXXX XXXX and XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$620000.00} and XXXX XXXX Date Open : XX/XX/XXXX Balance : {$250000.00}.
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 XXXXXXXX XXXX XXXX XXXX  : XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days
Product: Credit card

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.
Product: Checking or savings account

Chase Bank claims to have forwarded funds to the state comptroller 's office from my closed account. The state states they have no such record. I have requested the details of the escheated funds to include the name, date, and check number or any details that validate the funds were forwarded to assist in the search. Chase has provided nothing to confirm the transaction.
Product: Money transfer, virtual currency, or money service

The XXXX app i would sent money to my family but they would tell me they didnt get it so im loosing money i never getting that money back
Product: Credit reporting or other personal consumer reports

I noticed the problem in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

{$700.00} was taken from me in around XXXX of last year, and most recently I receieved this email. However they have frozen my funds and will not release them ... 

from : XXXX reply-to : XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX  subject : Important Information About Your Account << Reference ID : xxxxxxxxxxxxx >> mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more XX/XX/XXXX Important Information About Your Account Re : Your accounts ending in XXXX & XXXX XXXX, Weve decided to close your account ending in XXXX & XXXX because we observed activity that is inconsistent with our terms and conditions. [ *I called and spoke with their agent who said there was no reason listed as to why, which is atypical* ] When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XXXX XXXX, 7 days a week. 
[ I called them and they only agreed to release a certain amount when I threatened to file a FTC report. They are still holding my funds as of this filing ] Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One, XXXX, Member FDIC. XXXX Capital One. '' so the approximate total they have stolen from me is : {$850.00} usd
Product: Checking or savings account

I was sent a {$100.00} promotional offer from Marcus by Goldman Sachs on XX/XX/2023. The offer required a minimum of {$10000.00} in new funds to be added to my existing Online Savings Account within 10 days of enrollment and to hold the required dollar amount for 90 days afterwards. 

I enrolled on XX/XX/2023 and added {$85000.00} on XX/XX/2023, to meet the minimum required dollar amount. By the end of the 90 day holding period, I had kept my pre-promotion balance plus the $ XXXX minimum in the account, but did not receive the {$100.00} promotional bonus. 

I chatted with Marcus customer service who told me I did not qualify for the bonus because I had to keep the full {$85000.00} + the pre-promotion balance in the account ; and I had only kept $ XXXX + the pre-promotion balance. This was not enough according to their reading of the Terms and Conditions.

I attach the Terms and Conditions which is highly ambiguous - and ask that these Ts & Cs be amended to be clearer in the future.
Product: Credit reporting

I was making on time monthly payments and then paid the account off for a negotiated price with the promise that the account would report as paid in full. The account reported 30 days late when I paid it off even though I had been making on time payments. They also reported as settled for less than the amount owed and the credit bureaus and company have failed to validate any information regarding the account but continue to report it despite my contined disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is closed complaint XXXX and here i gon na attached after Transunion confirmed there is inquiry currently show on their system i'm gon na attached report downloaded from Transunion, XXXX XXXX, Transunion Lock
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 I ordered a computer part from a business in the local area. Business owner was adamant about me paying through cash app due to card reader being down. Did not want to pay cash so proceeded with electronic payment via cash app. Business owner assured us we would have the part within one week. After a week and a half he didnt deliver on the promised products and told us it was a miscommunication on his part. He initially ordered the wrong part, then he stated there were shipping delays. After speaking to him on XX/XX/XXXX he assured us he would have an answer on XX/XX/XXXX, whether it would be to provide us with our computer part or to give us another update on the shipping. He never answered our calls, so we went ahead and requested a refund via cash app, that was denied. We also tried to file a claim with our bank and that was denied. I have since exchanged emails with him back and forth and he is steadfast with the excuse that he uses a third party company to handle payments and cant pay me my money back. Ive asked him numerous times why he can't just send me the money back the same way I sent it to him with no avail. He will not provide me any proof that the transaction ever took place. He does numerous phone and electronics repairs in house and claims to use an online vendor to purchase parts from. We were comfortable using his services because he was reccomended by a friend and he was offering us a discount from a part he previously diagnosed as unrepairable. Due to paying through cash app, I would like them to consider giving me my money back since I have no other way of doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose