23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Applied for a penfed credit card on XX/XX/XXXXXXXX XXXX  Clearly Penfed discriminates against XXXX citizens as I was denied with very good credit and a very very low use of my available credit. Here are the Facts : Have a XXXX credit score Only using 14 % of my available credit No negative marks My income is {$6500.00} monthly My monthly bills are {$1000.00} Yet incredibly I was denied. The reasons Penfed provide make zero sense and here they are : 1. Length of time accounts have been established : My oldest account is 2 yrs 2 months 2. Ratio of balance to limit on bank revolving accounts. Mine is only 14 % 3. Proportion of loan balances to loan amounts - I have one loan of only {$9000.00} from XXXX XXXX. Too many accounts with balances What the XXXX are they talking about.. 

Any person can see these are not the actual reasons Penfed denied me. Penfed simply provided a standard list of reasons to brush me off. What I would like to know is how my ( XXXX girlfriend ) who is in college has zero credit history besides a couple cards shes an authorized user on and received a {$1500.00} line of credit or her XXXX XXXX who has a credit score of XXXX a couple negative marks, using 34 % of her available credit received a card in XXXX with a {$4000.00} line of credit. 
I am including my XXXX credit report which is the same report Penfed used
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$620.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

There really wasn't any correct answers I could choose. I opened my account XX/XX/XXXX. At that time, I paid for my card and added credit protection. In XX/XX/XXXX we had a major Ice storm and I had asked to not have to pay my bill due to this and then the same in XXXX to get caught up. They said I could. then in XX/XX/XXXX I realized that I had a lot of late charges added. When I called them, they said that they never agreed to this. So I cancelled my card. On XX/XX/XXXX, they were still charging me credit protection, and I had to cancel that then. Now they have my payments so high that I can't make them. They are still charging me interest and late fee 's. I called and told them that I was filing a complaint and I would not be paying until I got a anwer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$660.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$710.00} XXXX  XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}
Product: Credit reporting or other personal consumer reports

I applied for financing for a window replacement with XXXX XXXX XXXX on XX/XX/2024. I was informed that a Soft Inquiry would be ran. Afterwards I received notification that a Hard Check was run ( not a Soft Check as was stated by the representative ). Additionally I went through all documentation provided and there is not one place that states ANY credit check would be ran. I want the Hard Inquiry removed from my credit report and no one at the company can explain why I was given incorrect information or provide me with any documentation showing they were running a hard check. This is a fraudulent practice as they had no right to run that report without my express knowledge and agreement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Kia Motor Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Kia Motor Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX  Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX THIS ACCOUNT WAS A CHARGE OFF SINCE XXXX AND IS STILL REPORTING ACTIVITY ON MY CREDIT REPORT WHICH IS A VIOLATION.. 
ALSO THE DATE LAST ACTIVE ARE DIFFRENT TRANSUNION XX/XX/XXXX EQUIFAX XX/XX/XXXX I'VE DISPUTED THIS A NUMBER OF TIMES IT ALWAYS CAME BACK VERIFIED THIS ACCOUNT IS REPORTING TO XXXX  AND EQUIFAX THIS ACCOUNT WAS ALSO DELETED FROM XXXX  XX/XX/XXXX BUT XXXX  AND EQUIFAX NEVER FOLLOWED SUIT.
Product: Mortgage

In XXXX, 2012 we sold our home in XXXX Ga. and Ocwen Financial corp. was the mortgage holder. We had a XXXX and XXXX mortgage with Qcwen. At closing, XXXX our notes were paid in full. Today, 4 years later we later, we find out that they are still showing an unpaid balance of {$97000.00} and {$12000.00} on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used by an unknown person. I contacted the credit bureaus to place an alert. A police reort was filed and it appeared 3 or 4 accounts had been opened. I had MY ID Card, the company assigned to help me by my employer ( my ID was compromised as a result of a database hack ) We spoke with Experian, sent them the police reports, and they have been playing games with me. One account, XXXX XXXX has not come off. It is destroying me and my chances at employment. Yesterday I called and they told me yet s 3rd, yes 3rd investigation would be done. They are willfully not complying. They can not verify this information from the account because it is not mine yet they do not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Product: Debt collection

the company is receivables performance. they obviously bought the loan from XXXX XXXX. the company calls me telling me that i will have to go to court if i do not make payments on the charged off XXXX XXXX  loan.
Product: Debt collection

COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX on XXXX XXXX I got paid from my job and XX/XX/2022 part of my money was took out my bank account without my consent in the amount of XXXX $ from Capital one bank and I have sent documentation to to the bank and XXXX I sent it to XXXX because they went into my capital one account and stole my money and transferred it to XXXX and bought XXXX and did exchange it to whomever and I never authorized this for this to happen. I have tried to talk to XXXX and they keep sending me to different representatives that saying they can't help me and they ask me to send proof and I did that and now don't want to take my call.Capital one it's no update to whether I get my money back I have the disputed all XXXX of the transaction and also they tried to enter in my other bank account with XXXX but they was much more secure with my accounts and stop the fraudulent unlike Capital one
Product: Debt collection

Around XX/XX/XXXX, a law firm sent me a notice that I owed {$4100.00} for a credit card debt ( from XXXX ) and that I had 30 days to dispute the claim. I called the firm within the 30 days and told the lady, who said she was recording the call, that I did not owe all of that debt because I had told the credit card company that someone made fraudulent charges on my card and I was not going to pay those charges. The lady with the law firm said, " oh, you want verification of the charges '', and I said yes. She said she would have them sent to me. I said, in the meantime, you are not going to file a judgment on this are you, and she said " no '', not until you verify the debt and what you dispute is not owed. I waited to receive this information but never did. After several months and no more communication from the firm, in XXXX I received a copy of a judgment from the circuit court stating the firm had filed for a default judgment against me. Then they garnished my wages. I NEVER received any validation of this debt. They can not prove they sent me any validation because they did not. I never received anything nor signed anything. If they sent anything, they never sent anything else to ask why I hadn't responded, etc. Nothing. This is in violation of the Fair Debt Collections Practices Act 15 USC 1692g Sec. 809 ( b ). They have collected on a debt I do not fully owe AND they did not send me validation of the debt as I requested. Also, the credit card company should not  have sent the debt to a collection agency after I reported that some of the charges were not mine. I did not hear from them. It was the only credit card company that did not work with me to resolve the issue - just cancelled the account and began collection attempts.
Product: Money transfer, virtual currency, or money service

Coinbase has locked my account and not allowed me to withdraw my funds. This started over a month ago and I have been trying for 2 weeks to remove my cash from their system. Their support team has stalled and when pressured by posting to an online forum for Coinbase, simply reached out to me to say my account is still locked without providing any explanation. I have tried contacting them by phone but they said that the only way for it to be unlocked is through email. They are delaying as much as they can and I feel like they are going to continue saying the same thing. Please help me withdrawal my money from them!
Product: Student loan

I 've tried to explain to them that my income changed dramatically within past year and unable to afford. Ask for assistance with forbearance long term but only granted one month. 

School Name - XXXX University, XXXX GA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice pursuant to FDCPA 15 USC 1692g validation is requested. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. I am requesting validation that is competent evidence bearing my signature showing that I have some contractual agreement to pay you. FDCPA Section 807-8 if you can not validate the debt you must request the credit reporting agencies to remove and delete it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Make sure any accounts that were discharged in XXXX  XXXX  show a {$0.00} and are labeled as discharged or included XXXX  XXXX  Payment History is no allowed!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last ss 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 Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of XXXX XXXX XXXX on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that several accounts were added that I have zero knowledge of. I did not give permission to use my signature or authorization to any of these credit reporting agencies. Here are the accounts XXXX XXXX XXXX XXXX Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I WAS WORKING FOR COMPANY CALLED XXXX XXXX AND I LEFT MY CARD WITH MY ACCOUNT THAT I HAD WITH WELLS FARGO. I HAD A CHECKING ACCOUNT THAT ONLY HAD FUNDS THAT WERE DEPOSITED BY THIS XXXX XXXX XXXX CAUSE I WAS REQUIRED TO HAVE A OPEN CHECKING ACCOUNT WITH THIS COMPANY. I HAD LEFT MY CARD IN THE SHOP ON MY TOOL BOX. I LATER THEN NOPTICE MY CARD WAS MISSING AND I ASKED EVERYBODY AT THE XXXX XXXX XXXX THAT I WAS WORKING AS A MONAGER. I THEN CALLED WELLS FARGO AND ASK IF MY CARD WAS RETURN THEY TOLD ME NOTHING AND THEN THEY CALLED BACK AND TOLD ME THAT MY CARD WAS DROPPED OFF AND THAT THEY COULDNT TELL ME WHO DROPPED IT OFF AND WAS TELLIMNG ME THAT THEY DIDNT KNOW HOW MY CARD WAS RECIVED IT JUST SHOWEDE UP AT THIS LOCATION. IN XXXX LOCATION. I HAVE BEEN GOING THRU THIS BIG SCANDAL WITH HOMELAND SECUIRTY WITH THEM HARRESSING ME AND PUBLIC OUT ME OF BEING XXXX SO I BELIEV THAT THIAS WAS A BIG PART OF IT TO XXXX IF I WAS USING MY CARD ON XXXX SITES.
Product: Checking or savings account

A check drawn dated XXXX/XXXX/2017 on my XXXX checking account was written to my sister and mailed from my home mailbox in Florida and was addressed to go to Ohio. However, the check cleared my account on the date that I wrote it and placed it in the mailbox. This alerted me to the fact that there was a problem with who had negotiated the check. The check has no signed endorsement and was processed by Wells Fargo Bank. XXXX XXXX XXXX had me complete their Fraud Statement of Claimant form. The payee of the check also signed this form declaring that they had not negotiated the check. On XXXX/XXXX/2017 XXXX claims to have mailed a Demand Letter to Wells Fargo. XXXX has not given me any credit for the funds debited from my account. Upon inquiry of the claim status, XXXX representatives stated that I needed to wait 120 days for WFB to respond. On XXXX/XXXX/2017 I called XXXX again, and pushed to speak with a representative, who did a follow-up with WFB. On XXXX XXXX, 2017 XXXX states they emailed an inquiry to WFB. On XXXX/XXXX/2017, I called XXXX and they stated they received an email from WFB on XXXX/XXXX/17 stating the claim was " pending research ''. Wells Fargo accepted a check by one of their customers who negotiated a check fraudulently through WFB. Why is it taking so long for WFB to research the transaction?? I am sitting waiting to receive my {$110.00} back from WFB because they are responsible for the payee signature or lack there of, and processing this check for their customer who committed fraud.