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

Barclays Bank Delaware sold a closed and charged off credit card account to a collection agency in XXXX ( XXXX XXXX ) The credit card account was opened in my name. Barclays states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at Barclays Bank where I was given this information. But, Barclays Bank is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, Barclays Bank is double reporting an account they do not own. Barclays bank is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( Barclays Bank ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( XXXX XXXX XXXX ) is also reporting this account to all three major credit bureaus as an active collections account. 

XXXX XXXX XXXX is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued XXXX XXXX XXXX in XXXX the Commonwealth won a class action lawsuit against XXXX XXXX for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) XXXX XXXX agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement XXXX XXXX agreed were ordered to stop collection activity from Social Security XXXX ( SSDI ) recipients. In short not only is XXXX XXXX in flagrant violation of the terms of their very own settlement agreement both Barclays Bank and XXXX XXXX are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. XXXX XXXX is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. Barclays is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the collection agency, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
Product: Checking or savings account

My account at wells fargo was closed suddenly after cashing a check. I seen the funds were in the account then it got closed and i couldnt and didnt receive the funds. That messed me up because i had things i needed to pay for and couldnt which ended in a lot of things not getting paid for and me owing on.
Product: Money transfer, virtual currency, or money service

I have attempted to load funds i have in my digital safe with XXXX XXXX It account and have attempted numerous times to do so and have failed. I initially purchased XXXXxReload It Packs in the amount of {$500.00} each totaling {$2000.00}. It was a lengthy process to set up new account and at least 10 attempts over the course of a week. I purchased the packs on XX/XX/22 and it took me approximately a week to resolve this issue. I was only able load {$1000.00} and have not had access to my other {$1000.00} that was in my account. I have not been able to access my funds since and company has failed to resolve this issue.
Product: Mortgage

I wanted to refinance my current mortgage that is currently over 6 % and I am paying mostly interest to a current more reasonable rate. The vendor that currently has my mortgage is XXXX XXXX XXXX ( TCF XXXX XXXX ) bank. I was working with the Branch Leading Manager, XXXX XXXX I was being bullied so I chose to cancel the process and pursue another strategy during the negotiation process. They chose to publish that my " Value or Type of Collateral not Sufficient '' and " Income - Excessive Obligations in Relation to Income ''. I asked to change the wording to be more truthful but they refused. I contacted the MN Attorney General office and they were able to get them to send me a letter, but still refused to change to document, which is available to thousands of people. Also it may be available to other creditors. Basically I would like it to be truthful. I have an excellent credit rating of over XXXX and I have never missed a mortgage payment. I think they are trying to keep me for going to another vendor by publishing a bad report. 

I do n't feel I should be the victim of this behavior and I am concerned that they have abused others who are more vulnerable. 
Thanks
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for XXXX XXXX XXXX to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at XXXX XXXX XXXX. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX my application was printed and the information provided to Valley National Bank without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with Valley National Bank. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a XXXX XXXX. I do not allow my information to be shared as it could cross the desk of a local XXXX XXXX and be seen by a customer. Both XXXX XXXX and Valley National Bank ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.
Product: Vehicle loan or lease

I applied for prequalification for vehicle financing with CarMax on XX/XX/year> and was approved. However, after completing the process and contacting CarMax, I was informed they would not do business with me. I did not receive an adverse action notice explaining the denial, which I believe violates the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). I also believe their prequalification process may involve deceptive practices. I request an investigation into this matter and an explanation of why I was denied financing.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of XXXX XXXX. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an XXXX XXXX  report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I dropped off a XXXX  ( XXXX XXXX rental car at the XXXX XXXX XXXX XXXX, XXXX Airport before catching a flight back to the United States. To my knowledge, the car was in excellent condition with no damages and the rental was paid in full. 

On XX/XX/XXXX, a charge from XXXX appeared on my card for {$200.00}. 

I contacted XXXX to dispute the charge that I did not recognize. On XXXX XXXX, XXXX sent me a form letter telling me that the dispute case was closed because the company was not provided with proof of paid by other means. 

At this point, I began my own investigation and determined that I was being charged for damages to the car. I filed a claim with Mastercard rental car insurance. I have copies of some of the many emails we have exchanged over the last several months. Long story short, XXXX ( operated by XXXX ) never provided photos of the damage or an appraisal or estimate of the damage and therefore my rental car insurance will not cover the alleged damage. 

I believe now as I did back in XX/XX/XXXX that there was no damage to the car, and the charge is FRAUDULENT. 

On XX/XX/XXXX, I spoke with a supervisor from XXXX who assured me that the charge would be refunded. Today - XX/XX/XXXX - I was told the case is closed and no refund will be issued to me. 

As a consumer, I am caught between a rock and a hard place. 
1 ) XXXX will not provide evidence of the rental car damage 2 ) Mastercard rental car insurance will not pay the damage because there is no evidence 2 ) XXXX will not refund the charge. 


Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my credit.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. XXXX Account # XX/XX/2024 XXXX, XX/XX/2024 {$640.00}, XX/XX/2024 XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of 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 1681 c ( 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 conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians 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
Product: Vehicle loan or lease

XX/XX/2019 PLEASE READ ATTACHED. CONSUMER FRAUD. 
Contract says simple interest and it is 30 % interest!! 
I need a NEW CONTRACT written or a refund of my car payments and refund {$4600.00} on my trade in. 
This is illegal and a big mess and taking advantage of a senior-elder abuse.
Product: Credit card or prepaid card

I to ask why I was not given the correct offer I saw on the website when I applied. 
On XX/XX/XXXX, I applied for the Chase Marriott Boundless Card because I saw a " For the First Time XXXX Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase Marriott Boundless Card was still " For the First Time XXXX Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( XXXX bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your Boundless Card arrives in the mail, use it to earn XXXX bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. 
Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.
Product: Credit reporting or other personal consumer reports

Effective XX/XX/, XXXX XXXX transferred my mortgage to PHH Mortgage. I paid my XXXX mortgage payment on XX/XX/XXXX. My XXXX credit report shows that I have a new account with PHH and that I have a missed payment with PHH and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. PHH also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to XXXX on XX/XX/XXXX. I need XXXX XXXX to report my account closed, and I need PHH to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with XXXX XXXX that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXXmonth. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against Ocwen, which is the parent company of PHH, due to fraudulent practices and XXXX XXXX has the same practices. XXXX XXXX added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request immediate action concerning an identity theft incident that significantly impacted my financial well-being and credit report. In 2023, a data breach exposed my Social Security number, medical information, driver 's license number, and other sensitive information. I discovered through XXXX that my personal information, including my Social Security number, had been compromised and was being sold on the dark web. This breach led to unauthorized account changes and fraudulent credit inquiries and loan requests that remain unresolved on my credit report. 

Despite multiple attempts to rectify these issues, my credit score has not improved due to the erroneous and unauthorized entries. I have contacted XXXX and other credit bureaus, provided documentation from the FBI, the Federal Trade Commission ( FTC ), and the IRS, and submitted multiple police reports. However, no corrective action has been taken. 

The fraudulent activities, including unauthorized cell phone accounts and student loans, have severely impacted my creditworthiness, hampering my ability to secure necessary credit. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the accuracy of the information on consumer credit reports and are required to investigate disputed entries. The lack of action to address these fraudulent entries is a violation of my consumer rights. 

The FTCs identity theft recovery report mandates the removal of erroneous information from my credit report. Additionally, cases such as *XX/XX/XXXX** have established precedents where consumers successfully sued credit bureaus for failing to correct inaccuracies resulting from identity theft. As a consumer, I have the right to accurate credit reporting, and the failure to rectify these errors warrants accountability. 

Therefore, I demand the immediate removal of all fraudulent entries and inquiries from my credit report. I also request the correction of my credit score to reflect accurate information. Failure to comply will result in further legal action to hold the responsible parties accountable. 

I will continue to contact regulatory entities such as the FTC and the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld.
Product: Debt collection

Originally contacted by Ability and was told I was owed {>= $1,000,000} by the City of XXXX. I contacted Ability and let them know they made a mistake. Ability later notified me in writing they sent XXXX with incorrect information. Later Ability sent me a knew notice, an attempt to collect {$130.00}. I contacted Ability and disputed. However, Ability resolve. 

Failed to answer my dispute with anything other than the same form letter. 
Ability refuses to provide supporting information to the account they 're attempting to collect. 
Ability fails to recognize they 're original correspondence.
Product: Student loan

This loan was cancelled and classified as income on my 2014 tax return
Product: Debt collection

I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXXXXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
Product: Debt collection

On XX/XX/2023 there was a web initiated withdrawal of {$800.00} to XXXX XXXX XXXX XXXX. I noticed the illegal transfer on XX/XX/2023 at which time I went to XXXX XXXX XXXX  to dispute the transaction. XXXX XXXX immediately locked the checking account and submitted a fraud complaint. The {$800.00} was returned to my checking account. The XXXX XXXX  XXXX I received a collection letter from TRS Recovery Services , Inc. ( TRS ) seeking to collect the {$800.00}. TRS is now the owner of the debt. I went to TRS 's website and submitted its online Forgery/Identity Theft Declaration which I included the letter from XXXX XXXX regarding resolution of the fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I made a settlement payment in the amount of {$8300.00}, Penfed credit card account ending in XXXX. This settlement amount was agreed upon by Penfed Credit Union and myself in writing, stating my account would be settled in full and reported to the credit bureaus as 'settled for less than full balance'- per the attached letter sent by Penfed representative XXXX XXXX via email on XX/XX/2023. There was a mis-key on XX/XX/2023 resulting in another payment processed via phone on XX/XX/2023, the mis-key was acknowledged by another Penfed representative. Penfed has failed to uphold their end of the agreement intentionally due to being exposed for numerous instances of negligence and mishandling of this account. Penfed retaliated by reporting this account as derogatory, having an unpaid balance, in collections, and charged off as bad debt, the agreed report remarks ; 'settled in full ', 'settled for less than full balance ', were intentionally omitted. I have bought this to Penfed 's attention and nothing has been done to resolve this issue all the while I've upheld my end of the agreement and Penfed refuses to ; while I continue to have to deal with the turmoil resulting from their negligence and breach of the settlement agreement.