23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Penn Credit Corporation is in direct violation of my XXXX Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Penn Credit Corporation was informed THE FOLLOWING account information being FURNISHED to Penn Credit Corporation and reported by Penn Credit Corporation is in fact inaccurate and they continue to report. Penn Credit Corporation is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, Penn Credit Corporation was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. XXXX and XX/XX/2023
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX  Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of Inquiry : XX/XX/202XXXX XXXX XXXX Date of Inquiry : XX/XX/202XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of Inquiry : XX/XX/2021
Product: Mortgage

My VA Loan, my mortgage company are taking my escrow and increasing my morgate Payments 15-25 % saying they have sort and illegal XXXX insurance on me even thought I have paid up Insurance already for 12 months, now after money complaint The send me a letter saying that my morgate account Have ecsow surplus now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 11th attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original XXXX : XXXX AT XXXX XXXX XXXX ) XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> American Coradius International LLC ( ACI ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Dispute of Debt and Demand for Removal Dear To Whom It May Concern I am writing in response to your [ letter/phone call ] dated [ date ], regarding the collection of an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally dispute the validity of this debt and request immediate validation.

In accordance with the FDCPA, you are required to : Provide documentation verifying the name and address of the original creditor.

Supply a detailed accounting of the amount claimed, including principal, interest, and any fees.

Offer proof that I am legally obligated to pay this debt.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), any debt reported to the credit bureaus must be accurate and verifiable. I have reason to believe this debt is either inaccurate, incomplete, or does not belong to me. Failure to validate this debt in compliance with the law obligates you to cease reporting it and to immediately instruct all credit reporting agencies to remove it from my credit file.

This is my formal demand for you to : Immediately remove this debt from my credit report if it can not be validated.

Cease all collection activities until you can provide adequate validation as outlined above.

If you fail to comply, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may pursue legal remedies as permitted by law.

This letter serves as notice that I am documenting all communications regarding this matter. Any further action to collect on this alleged debt without proper validation is a violation of federal law and will be addressed accordingly.

I request a response to this letter within 30 days of receipt, as required by law. Please send all correspondence and documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to your timely resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

To, Cedar Business Services, LLC XXXX XXXX XXXX XXXX, Site XXXX XXXX CA XXXX Concerning your file # XXXX, Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX CC : The Consumer Financial Protection Bureau ( CFPB ) Reference : My talk with XXXX XXXX, your letter dated XX/XX/2024 I got a letter stating that you are a debt collector and want to collect {$6500.00}. Im afraid I must disagree with these charges, and they are baseless. The charges are fraudulent, and the servicer has rendered no service. 
As per the contract, 10 % of the project cost was due upon signing the contract, but this amount was never disclosed, nor was I sent any invoice. As the contract became null and void as of XX/XX/2024 due to its timely cancellation, these charges are not applicable. 
The contract was signed on the XXXX and canceled on the XXXX, within a XXXX cancellation period. On XX/XX/2024, I sent an email with the attachment of a cancellation letter to XXXX representative, XXXX XXXX XXXX, at his email address ( XXXX ), where most of the contract correspondence happened. I confirmed by calling him, stating that the contract had been canceled. 
o Please note the attached email as proof of the cancellation request. 
o Signed copy of the cancellation of the contract, with the date on which the letter was signed and sent. 
o XXXX shows XXXX poor reviews and shabby practices. As per the XXXX XXXX XXXX, they are out of business. 
It looks like it is part of a scam in which a few companies phish customers. I request that you cancel the debt collection process, which was started fraudulently without proper basis. 
Please send me a registered letter so that I can plan my next steps for necessary legal action.
Product: Credit card

I had my OneMain financial card stolen and used without my consent I opened a complaint last year on XX/XX/2023 complaint id is XXXX to which they responded they credited me for the charges, closed the account but I received letter saying my account is past due. When I called they said they didn't credit the interest? And I'd have to submit another complaint and go through all the steps again. If the account was closed how is it gaining interest?
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied for this offer : https : //www.capitalone.com/credit-cards/quicksilver/ I was immediately declined with no explanation. My credit score is over 850. I have a 25+Year Credit History with zero late payments. I have no debt other than a small mortgage ( $ XXXX. ) Immediately after applying, I was offered a {$500.00} credit card from the same bank with different rates and no Bonus offer. I was not interested in that card so I rejected the offer. Nor would I have allowed Capital One to pull my credit report if they had disclosed that their promotional offer would be switched to a different product during the application process. 

I feel that this is bait and switch and that they purposely offer a bonus only to reject the application and offer another product in it's place, just to gain personal information and pull credit. 

I have contacted the company and they state that the reason they declined is confidential and that they can not discuss it with me. This seems very shady to say the least. They have obtained my personal information and pulled my credit score based on a false offer.
Product: Checking or savings account

I deposited my State of California treasury check from work and the bank will not release the funds and restricted the debit card from use for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed XXXX to make a hard inquiry without my written permission pursuant to the FCRA.
Product: Credit card or prepaid card

Received calls that I had charges on credit cards that I didn't open. Was told by caller that someone else opened credit cards using my information. Said SHE ( foreign accent ) needed to call my banks to report the charges. Gave name of bank. She said she called the bank, but when the call went thru, a foreign accent male was on the line. Couldn't understand him. Told him to call back & I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX there is a derogatory mark appearing on my Transunion Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XX/XX/XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas XXXX Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XX/XX/XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XX/XX/XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.
Product: Credit card

I used my chime credit card for one purchase, of less than {$20.00}. XXXX and on my statement there are unauthorized charges that add up to {$160.00} from that same store. The XXXX ( Chime ) has refused to refund my money back after i filed 3 complaints without a proper explanation as to why they don't want to refund my money.
Product: Checking or savings account

On XX/XX/2022 My purse was stolen with my phone, debit card and money in it. My phone does not have a passcode so the person who stole it was able to have access to my account information. When I realized my purse was missing i then try to log into my account and it stated that there was no matches found on record. So it was after XXXX XXXX when I wanted to call bank of America so I had to wait until the next day to call. On XX/XX/2022 I call Bank of America to explain what happened so when I finally got to someone that could tell me but they didnt really tell me what was going on they told me that it was a business decision to close my account I dont know what happened or why they closed it they did not give me no explanation I am so furious because I just opened this account XXXX weeks ago I needed this account for personal reasons and now I dont have a bank account I am so hurt because they couldnt even give me a reason why they close my account just a business decision. There was no money in my account but I have a direct deposit going in in about a week and theres no way that I could cancel. Please help me get my account back.
Product: Checking or savings account

On XX/XX/2023 U.S. Bank NEVER sent over my XX/XX/2023 {$100.00} electronic payment to # XXXX card at XXXX XXXX. U.S. Bank by fraudulent schemes STOLE my money and fraudulent account take over by credit card fraud from my U.S.Bank checking account. 
Both my XXXX XXXX credit cards # XXXX & # XXXX are closed XX/XX/2023 and no more transactions because of XXXX XXXX fraudulent account take over. XXXX XXXX told me they never received my XX/XX/2023 {$100.00} electronic payment from U.S. Bank.

I have been filing fraud complaints to U.S. Bank and the theft continues.

My FTC Identity Theft Report attached.

U.S. Bank is to XXXX  XXXX overnight my {$100.00} to my address on file and on this complaint.
Product: Debt collection

This debt collector Credit Collection Service and there client XXXX XXXX have illegally collected a debt claiming to be charging for insurance allegedly rendered to me. When this collection popped up on my report I was aggravated as I take great care of my credit report so I called them and paid it on the spot. 

I reviewed my records and realized they are charging me for insurance for a property I had already procured insurance through a different insurance company. Therefore not only did I not owe them the money I paid them, the negative reporting on my credit reports is not fair, accurate, or legal. I have attempted to dispute this with the creditor and the credit bureau and they refuse to even respond to my request for written itemization of this debt, and even worse refuse to acknowledge my disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries I don't recognize
Product: Checking or savings account

I am a XXXX XXXX  with XXXX XXXX XXXX. My account has been under investigation for chargers I did not authorize. This investigation has been going on for close to 3 years. Recently I received some money from my school and I can not get this money because bank mobile is holding it for security reasons. I understand their concern. My issue is that I always call bank mobile asking for an update and each time Im always told that they will send me an email which most times I never get. I feel like they cant solve my problem so I want them to take the hold off my account so I can get what Im owed. About last week I received an email from bank mobile saying my access to my account was still restricted but in the same XXXX minutes got another email saying they took all the holds off my account and I now have full access. Called them and was yelled at by a supervisor named XXXX. He said my account is still locked because they only completed one case on my account. Then why and who sent the email? Was that a mistake on their end, were they lying or trying to calm me down for a minute. It seems to me this bank is unfit to provide accurate information to their customers. I was told they would call me back in XXXX hours, its a new week and no update and no calls. I feel like bank Mobile isnt trying to solve my issue and just want to hold my money as many other students have this same issue with them. I filed a complaint with another company and bank XXXX told them the reason they cant solve my case is because I never filed paper work which is true but then how come when I call thats never the reason why. They always say they will send an escalation to their higher ups and send me an email which they NEVER DO!! I want my money and I want it now stop the whole investigation what they can solve is giving me access to my account. They know its me calling them they know its me so why cant I just get access to get my money all I need to do is change my bank information. Any other bank would have been had this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX | DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, 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 the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your 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 verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


O # XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank you, XXXX A XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX, 2024, I filed a complaint against TransUnion, accompanied by an Identity Theft Affidavit. TransUnion responded with a letter that failed to adequately address my complaint. According to 15 USC 1681 c-2 ( FCRA section 605B ), TransUnion had XXXX days to resolve the issue, which they did not. This is my final attempt to rectify the situation before seeking legal counsel. Enclosed are the original complaint, TransUnion 's response letter, the Identity Theft Affidavit, and proof of identity.
Product: Student loan

Wells Fargo denied my request to receive a full refund of private student loans obtained while attending XXXXXXXX XXXX XXXX XXXX XXXXXXXX on the basis of fraud and misrepresentation by this school, which is owned by XXXX XXXX XXXX. As a former XXXX  at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, I was subjected to several instances of misconduct that severely impacted my education and financial situation. The specific fraudulent and misleading actions by XXXX XXXX included : Misrepresentation of XXXX Step XXXX Pass Rates : The school provided inflated and inaccurate statistics regarding the XXXX Step XXXX Pass Rates of its XXXX, which significantly influenced my decision to enroll. Deceptive Marketing Practices : The school used aggressive and misleading marketing tactics to lure prospective students, including false claims about the quality of education and potential career outcomes. Inadequate Educational Support : Despite assurances of robust academic support and resources, the school failed to provide adequate faculty support, clinical rotations, and other essential components of medical education. These actions by XXXXXXXX XXXX XXXX XXXX XXXXXXXX constitute a clear case of misrepresentation and fraud as evidenced by the XXXXXXXX XXXX XXXXXXXX settlement relief.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I signed a contract through " XXXX XXXX XXXXXXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about XXXX or XXXX payments. After I paid it off in full on XX/XX/2023, I contacted Easypay Finance when it would be reported, On the first call the agent claimed that the report would pop up in XXXX months. 2 Months later, on XXXX, I see nothing on my credit report so I wait until XX/XX/2023, to see if it shows up, nothing yet. I called Easypay Finance today at XXXX XXXX, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the XXXX agent and the agent sees nothing about Easypay Finance on my report or any accounts.