23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I contacted Penn Credit Corporation via certified mail regarding six violations they have made. The bill they sent me in the mail was in the amount of {$5200.00} therefor I also included a invoice for {$6000.00} based on the violations.
Product: Debt collection

I havent seen this account in 6+ years and all of a sudden showed up on my report. 
Thats wasnt the amount that was owed, was also told the debt was cleared. Not sure where this amount came from and why it was sold to a debt buyer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>. CAPITAL ONE wrote off {$2500.00} on their taxes as a profit loss. CAPITAL ONE was supposed to provide me with the 1099-C form so I can write it off as income, which they never did send me the form. At the same time, CAPITAL ONE is reporting the amount of {$2500.00} on my credit report as a balance, even though they took a tax break. Which considered this DEBT FULLY PAID. So, im requesting a copy of the 1099-C that I never received from CAPITALONE. Everything is about accuracy. So, if CAPITAL ONE fails to send me a copy of the 1099-C form while still reporting the account as a CHARGE OFF on my credit report. That, to me, is IN ACCURACY. Under FCRA, by law, I'm entitled to sue CAPITAL ONE for SANCTUARY DAMAGES. This is FRAUD that CAPITAL ONE is doing. In the same way, CAPITAL ONE EXERCISE THEIR RIGHT and the ability to report that account to my credit report. i have the right to report CAPITAL ONE to the IRS for fraudulent activity. I LIKE THIS ACCOUNT TO BE REMOVE OFF MY CREDIT REPORT IMMEDIATELY, PLEASE Please is a screenshot providing proof to my dispute
Product: Vehicle loan or lease

a credit application was received on XX/XX/2021 by XXXX XXXX XXXX XXXX and mercedes benz financial services for a purchase for a vehicle. An unauthorized use of credit by mercedes benz financial services and XXXX XXXX XXXX XXXXXXXX when they used my credit card with open-ended consumer credit plan without any benefit to me. i notified them and they ignored my calls and told me they could not help me. the application failed to disclose notices required in accordance with 16 cfr 433.2 and the credit application was denied by discrimination as adverse action and the ceo and agents are criminally liable for damages to me and fraud upon my trust in unjust enrichment. i have preserved my consumer rights under 12 CFR 1002 EQUAL CREDIT OPPORTUNITY ACT that has been violated.
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check for payment of my Chase Freedom Visa card. I wrote the check in the amount of {$1700.00}, payable to Chase Card Services, and mailed it to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The check was written on my XXXX XXXXXXXX XXXX checking account. 

Sometime between XX/XX/XXXX and XX/XX/XXXX the check mailed to Chase Card Services was stolen and altered. When I attempted to balance my checkbook on XX/XX/XXXX, I noticed that check had been altered. EVERYTHING on the check had been changed except my signature. The date on the check was changed to XX/XX/XXXX. The check was then made payable to XXXX XXXX XXXX and the amount was changed to {$1600.00}. XXXX XXXX XXXX then electronically deposited the altered check into his Chase Bank account. He endorsed the back of the check and also printed, for electronic deposit at Chase only on the back of the check. On XX/XX/XXXX the {$1600.00} was withdrawn from my checking account at XXXX XXXX XXXX 

I filed a police report on XX/XX/XXXX and was assigned a case number. 

My bankXXXX XXXX XXXX  filed an Altered Check Affidavit and Agreement with Chase Bank. This was also done XX/XX/XXXX. I was told by XXXX XXXX personnel that Chase Bank would have 90 days to acknowledge the complaint. It is now several days beyond the 90 day period and Chase Bank has not responded to XXXX XXXX XXXX regarding my affidavit. Per XXXX XXXX, branch manager of XXXX XXXXXXXX XXXX Chase has not acknowledged the affidavit, even though the 90 days has passed. 

Chase Bank is non-compliant. 

I am including a detailed letter and documentation regarding this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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

CAPITAL ONE has refused to remove this charged-off account from my report. This account contains a finance charge which is the sum of all charges. This account was paid in full when my credit card ( social security card ) was obtained by this company. Therefore, this account can not be consider late at any time. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have no business with this company and have no knowledge of this business on my credit report Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Product: Credit card

Age/retirement status discrimination. 

I assisted my mother in applying for a Paypal Credit line and she was instantly denied. I then tried to apply myself and I was instantly approved for {$500.00}. Then I tried to raise my credit, and was denied. Paypal 's service stated that there would be an email followed by a letter describing why my mother was denied. I received an email promptly upon denial for the credit limit raise as well as a letter within 5 business days with my XXXX credit score and reasons for denial. My mother, however, did not. I have contacted Paypal on three occasions now and was hung up on and given a run around on the first message communication which disappeared. I have submitted another message communication on their support site and the employee is telling my mother to reapply repeatedly in order to check if she can get a Paypal line of credit and refuses to acknowledge or address the fact that she was denied proof of reasoning through a respectable credit reporting agency, specifically in this case XXXX which is what Paypal is using. 

Considering my score is XXXX and my mother 's is XXXX, her credit card is connected to me so I reflect those debts and revolving accounts, and I have a negative medical debt, as well as no job or income, it makes no sense that she would be denied while I would be approved. That is, however, less important than the fact that they are denying her proof of denial. Others have said they think Paypal is performing age discrimination/retirement discrimination as they want young, debtable, work-able customers to keep money flowing but none have taken steps to push the issue and hold Paypal accountable. This is the only step I found to take so I am. I do n't expect Paypal to accept every application but I do expect them to provide proof as promised and is her right of the method and reasoning used to deny her credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.
Product: Credit reporting or other personal consumer reports

Transunion has maliciously attacked my credit file by reinserting fraudulently obtained counts even after me sending an official FTC identity theft report on FTC website. Even though this is a legitimate copy of the FTC Report Transunion continues to claim this appears to be not valid these are one of the terminology they us to prevent removing fraudulent items on my credit. Ive sent dozens of valid FTC identity reports and Transunion continues to claim as not valid with no Verification attempts to the FTC. They completely deny the legitimacy of the document and accuse of it not being a real report. I have no defense against this multi billion dollar powerhouse called Transunion. They are negligently continuing to report these items. Even items claims to have removed is not updated and is somehow locked to where it wont update to future lenders, Transunion is intentionally preventing me from receiving further financing as retaliation to me filing disputes and CFPB complaints against them. They will write any narrative possible to not remove these items and not accept my FTC identity reports. Please assist in enforcing the LAW, I am due at least XXXX XXXX dollars in compensation for my pain and suffering, emotional distress, loss of sleep and anxiety caused due to the malicious actions of Transunion. Please assist in enforcing penalties against Transunion. A proper relief would be for Transunion to delete all items sent in previous identity reports and to stop lying saying they deleted items on paper but not on my actual report. Attached is all necessary proof to confirm identity and three valid FTC identity reports that Transunion will continue to claim as not valid yet they wont state whats not valid about them. The wont even verify them they just rule them as not valid, also is a copy of my drivers license, a bank statement and my social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. XXXX XXXX received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Product: Student loan

I was told by the company XXXX XXXX XXXX that I could pay a certain amount for 6 months and after that my student loan payment would become XXXX dollars and be paid by them for 120 consecutive months. They also said that I qualified for the debt to income ratio as well. I paid them for 6 consecutive months and my student loans reported that XXXX dollar payments and current. Just this month I noticed that the student loan debt went up on my credit report and I decided to call to see what was going on and I learned that this was a fraud company. The payments I made were emailed to me by receipt. I would like to get a refund of the money that I paid to them because the services were not rendered.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I bought tickets for XXXX XXXX from XXXX. When I got to XXXX XXXX the employees tried to take my tickets away and force me to give them cash to buy new tickets I gave them my credit card under duress because I thought my credit card would be on my side. 
Why would I buy two tickets for the full price when I bought tickets online for half the price. 

My credit card company said tickets are none refundable I have to contact the company the threaten me with the police.
Product: Credit card or prepaid card

On XX/XX/2022, I made a payment of {$600.00} to ULTA Comenity Mastercard card Comenity, see statement. I inadvertently had not changed the account number to the new number. However, it WAS processed by Comenity and the payment was applied to the my NEW account number. The next two payments were not applied to my account, XX/XX/XXXX and XX/XX/2022. First payment for {$100.00} and second for {$1000.00}. XXXX told me they could not locate the payments and I was told to contact my bank which I did. My bank reversed the payments and shortly after Comenity applied a {$1100.00} to my new account. How can they apply an adjustment when the funds never made it to my new account My statement should be less {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Unauthorized charges XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX  XXXX XXXX   XXXX, XXXX XXXX, XXXX TOTAL- {$660.00} Currency Conversion/Cross Border Fees included. This company has a record of the full amounts as I do. Sent my dispute They closed the case. Too many inconsistancies. I live on XXXX. Using my card, I'm required to use my pin. I faxed all my disputed charges to XXXX XXXX. XXXX was my person handling my dispute. When calling she did not exist. Yet she was the person who closed the case
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX On XXXX, 2021 I received a cashapp card in the mail with my name. I do not have or use cashapp. I have been a recent identity theft victim with unemployment dept and someone tried to open a bank account at XXXX XXXX with my info. I was able to report those incidents but I can not get help with this cashapp card. I called cashapp repeatedly and tried the website and can not reach anyone to report that someone stole my info and used it with their company. It should be a law for cashapp to have a customer support department that answers the phone to assist with important incidents like this. I am reporting this to cfpb because I am unable to reach cashapp to report it. In the meantime, this fraudster is getting away with stealing money under my information and I can do nothing to stop it or close whatever account they opened with my information since I can not reach the company.
Product: Credit reporting or other personal consumer reports

they violated my rights as a consumer under 15 usc 1681b and I need my personal information updated with any other addresses blocked and deleted off my credit report as soon as possible. please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ComenityCapital/MPRC on XXXX and XXXX XXXX
Product: Student loan

I consolidated my private loans in 2008 over to XXXX ( XXXX XXXX at the time ) originally held by AES ( American Education Services ) and National Collegiate Trust. Since then XXXX has been the note holder on these loans. About a year ago I begin getting collection calls from XXXX indicating I had a balance remaining from when my loan was consolidated back in 2008 and it has been accumulating interest for almost 10 year. The balance they are saying I owe is {$3.00}, XXXX, most of that is interest on a balance that I never knew was outstanding to a company who no longer holds the notes to these loans. They have begun calling me multiple times a day and disclosed this debt amount to my husband on a line that he uses for work and was at work at the time. XXXX XXXX is not a co-signer or in anyway a party to this an should not be contacted regarding this matter. I only know now that this was them calling because it was the same number that called him, but no messages werre left explaining who was calling and why. This may be a third party collector, but they identify themselves as being the Trust. 

The contact given to my husband : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open accounts on my credit reports with XXXX and Equifax. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. 

I have identified the following accounts on my credit reports with XXXX and Equifax that continue to be inaccurately reported as late openings : 1. XXXX XXXX XXXX XXXX Balance : {$4700.00} ; 2. XXXX XXXX XXXX XXXX Balance : {$4600.00}. 


I have previously disputed these inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. 

Despite my efforts, I have not received any meaningful response or resolution from XXXX and Equifax. The late open accounts remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. 

I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct them in both XXXX and Equifax credit reports. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both XXXX and Equifax credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. 

Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.
Product: Debt collection

Got a call from " XXXX XXXX '' XXXX Saying he was employed by " XXXX XXXX '', and was representing " XXXX XXXX XXXX '', he told me there was a law suit against me from wells fargo for an older account from 2008, spoke to wells fargo they told me they have not sold this account to any collections company. He knew my address, name, birth date, and last 4.
Product: Money transfer, virtual currency, or money service

A person trying to be my landlord and asking me to transfer money via XXXX. After I made XXXX transactions, I found out that its not right. 
XXXX transactions : XX/XX/2024 {$1000.00} XX/XX/2024, {$1000.00} XXXX XXXX, XXXX, {$1000.00}
Product: Mortgage

I have had a home equity line of credit for several years. For the majority of those years I have paid more than the interest only amount requested. Many times I received a payment coupon stating that I had {$0.00} amount due. I still paid an amount. I had assumed this over payment went to principal. Recently I have written on both my coupon and my check that I wanted overage amounts to be applied to principal. The last two months I noticed that the coupon stated that I either owed less or {$0.00} the next month leading me to believe that the principal payment was not made. I called last month and the current month and requested that the over payment be made to the principal. Both times I was told that I had an 'interest shortage ' stemming from 2015 when I did not make a payment based on the coupon stating that none was owed. I requested an audit of my account both times and have not received anything. Further, because I have paid over the amount for years, including when the coupon stated that I did not owe anything, I can not understand how it is possible to have 'interest shortages. ' If the over amount did not pay down the principal and did not pay forward interest, what are they doing with my money? Please look into this for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent letter to XXXX, XXXX  and transunion however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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.