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

On XXXX XXXX Ive discovered multiple fraudulent credit card accounts, mortgages, and auto loans etc in my name. This is totally a mess these are accounts that are not mine someone has stolen my information and had accounts opened some resulted in charge offs. Ive never even heard of majority of the banks or whatever they are. THIS IS IDENITY THEFT! Anyhow, these are are the account that are fraud, as well as the dates the the fraudulent account we opened. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all FRAUDULENT ACCOUNTS OPENED IN MY NAME WITH MY CONSENT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Medical XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} TRANSUNION : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 lette rs requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to n agate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this claim must be inves tigated properly and efficiently.
Product: Mortgage

I receive a mail package on home equality loan application from discover home loan with the loan amount of {$80000.00}. On my credit report alert from XXXX  app, I receive credit report inquiries on XX/XX/23 from discover home loan and XX/XX/23 from the XXXX  XXXX XXXX. None of these were my actions! 

I have called all credit bureaus to report the fraudulent inquires and asked to freeze the credit. I called XXXX and they did not see any application under my names for both credit card or loans. I called discover bank. They took an action by reporting to the fraudulent dept, and inactivate the application, and I will need to wait for their fraud department to take 2 business day to reply to me to take further actions!
Product: Debt collection

I received a letter from XXXX XXXX stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up
Product: Mortgage

I own my home through Freedom Mortgage XXXX XXXX XXXX and have since 2007. I am experiencing a hardship with paying my mortgage, presently. I have reached out to Freedom to try and gain resolution to my problem to no avail. In XXXX, I reached out to Freedom to perhaps refinance at a lower interest rate and was handled so unprofessional and rudely, getting nowhere, but further behind. I have depleted ALL finances available and still have no help from Freedom. Freedom has no resolution steps for people who experience the unfortunate situation as me and I regret having them as my mortgage company. I have been a loyal customer since 2007 and feel there should be something in place for times like this.
Product: Debt collection

On XX/XX/XXXX at XXXX I kept Getting calling from XXXX XXXX  XXXX attorney saying I owe debt from XXXX of {$2800.00} but I could settle for {$1200.00} over the phone and a form of payment
Product: Credit card or prepaid card

Near the end of XXXX I applied for Unemployment as I had been unable to secure employment, I was approved and paid out unemployment XX/XX/2022, I waited for the Bank of America Debit card and I never received it but did receive a pamphlet asking how I was enjoying using it. Upon receival of this pamphlet I called Bank of America and told them that I was still awaiting the card and it had more than XXXX business days. Bank of America said on the phone " Oh maybe it was lost in the mail '' and proceeded to order a new debit card I believe this was around the XXXX, when I received the XXXX debit card ( XX/XX/2022 ) in the mail activated it and looked at my account I saw that all but XXXX cents was left of my XXXX XXXX I called Bank of America immediately and put in a dispute on all the charges on the first card, as I never even received it in the first place. Bank of America reviewed my claim and on XX/XX/2022 denied my claim saying that " During their research, they identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account '', and promptly denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX Equifax is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. XXXX to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. XXXX to forgive loans entirely, per the settlement 3. XXXX to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the XXXX Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact XXXX. When I call XXXX, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that XXXX is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, XXXX has removed the loan entirely ONLY on XXXX, but XXXX  and Experian, they have closed my account, but still show a balance. This is not correct according to the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which XXXX  dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
Product: Credit reporting or other personal consumer reports

I received a letter from TransUnion XXXX XXXX XXXX XXXX which I never did inquiry about this is a result of identity theft, fraud and XXXX XXXX the letter is from TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Police Report No XXXX XXXX Case XXXX XXXX : XXXX XXXX Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.
Product: Credit card or prepaid card

Barclay and Uber offered a credit card rewards program that was difficult to access, rules were changed to the detriment of the consumer, benefits were incorrectly calculated, and customer support unable to resolve the discrepancy. In XXXX of XXXX, I attempted to redeem rewards associated with Uber Credit Card promoted by Barclay. However, the process was confusing enough to cause me to try again later. In XXXX of XXXX, I had approximately XXXX points ( {$910.00} value ) earned for the account. I learned the program had recently changed to only allow rewards to be redeemed through Uber. Yet, the Uber app did not reflect my point balance. I was unable to redeem any of the points earned so far. Only newly earned points were reflected in the Uber app. I reached out to Barclay and Uber but both have been unable to resolve this issue. Two supervisors at Barclay have understood my concern and XXXX gave me a courtesy credit of {$200.00} while acknowledging that there were other customers with the same problem. Uber support responded with arbitrary prepared messages unrelated to my issue, despite reaching out multiple times between XXXX and XXXX, XXXX. Ultimately, I consider Barclay responsible for this because I entered into an agreement with Barclay and expect to deal with Barclay for resolution of the issue. For reference, I'm including some dates associated with Barclay communications. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understood my issue, found other cases of customers experiencing the same problem, and gave me {$200.00} statement credit as a courtesy due to the ongoing trouble. 
XXXX, contacted Barclay, talked to XXXX ( same manager ), no change in status. 
XXXX, contacted Barclay, talked to XXXX ( employee id LASMMO ). 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understands issue. 
XXXX, contacted Barclay, told to contact Uber directly, XXXX XXXX XXXX, help@uber.com ... of course, as before, responses from Uber were not related to my issue at all.
Product: Mortgage

I paid {$100.00} extra each month towards the principal on my loan, on XXXX, XXXX, XXXX and XXXX/XXXX/16. There is no prepayment penalty and I am trying to reduce the amount of interest and pay the loan off early. Instead of applying the payments to the principal each month, on XXXX/XXXX/16 the company applied {$350.00} to the XXXX payment and only {$42.00} to the principal. I also had scheduled a payment for XXXX XXXX and again on XXXX/XXXX/16. The company now says I do n't need to make another payment until XXXX/XXXX/16. This will not reduce the amount of the principal, nor will I save on the interest or pay off the mortgage early. I e-mailed the lender twice and spoke to a customer service representative on XXXX/XXXX/16, who told me she would correct the account. She did not do so and I have n't had a response to the emails. I am a co-signer on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Barclay 's XXXX Credit card offered a 0 % APR, 0 % balance transfer fee program which I took advantage of to pay down credit debt over a 12 month span. I had set my account to pay the balance of {$900.00} a month for 10 months to pay off approximately {$9000.00} of debt that was transferred to the card ( completed XX/XX/XXXX ). 32 days after the transfer ( XX/XX/XXXX ), Barclays took out almost the entire balance ( XXXX ) out of my checking account as the monthly payments were " reset '' to the statement balance. I called Barclay and they stated this happens by default after a transfer. They admit it should have been handled over the phone, however when I called to do the balance transfer originally, they said to do it online. Now I have to declare fraud from Barclays to XXXX and see if they can reverse the payment. Shame on Barclays ; I would avoid them at all costs. This has never been a problem on XXXX or XXXX.
Product: Checking or savings account

Over a year ago now Charles Schwab restricted access to my account that I use for personal and business where they blocked my online access to my checking account where I have over {$15000.00} in funds. These are proceeds from my XXXX sales account. XXXX XXXX from Charles Schwab personally placed a restriction on the account and none of the bank associates during the 10+ calls was able to assist me resolving the issue and XXXX XXXX does not answer his phone or several emails that I sent him. I need assistance in getting access to my funds and account. 
Checking account number : XXXX Routing number XXXX person responsible for the issue is XXXX XXXX his email is XXXX his direct phone number that he never ever answers is XXXX
Product: Debt collection

I first noticed XXXX XXXX reporting information of an alleged debt on my credit report. I wrote asking for validation with certified mail number XXXX, which they got in their office on XX/XX/2019. As of date they have not sent me any information about what they are reporting and claiming I owe. When I pulled my report again I noticed they are still reporting and updated the account on XX/XX/2019, they failed to follow FCRA 1682 ( 3 ) rules by not marking the account as in dispute. Additionally, the Texas Finance 392 code says if a company can not validate or even have enough time to validate the alleged debt they have to stop reporting and collecting, neither was done.
Product: Checking or savings account

I was sending money to a vendor for {$450.00} I called and verified all the information. The lady was was speaking with did not speak English very well and probably had a hard time understanding me. I verified that I was sending the funds, I know the person I was sending them to and verified everything on my account. Within 5 minutes she locked my account and now I can't use XXXX or see any of my transactions unless I walked into a branch to verify who I am. I live in CO and the closest branch is in TX. I tried explaining this numerous times. My bank is Truist. I just want to be able to long in and see my transactions plus my husband sends me XXXX payments for Rent. This has caused so many problems. 

Please feel free to contact me with any questions. 

Thank you
Product: Student loan

My students loans were cancelled as part of a federal judgement. See the actual communcation from the Department of Education. They refuse to acknowledge and continue to harrass me with a bill payment due. 

XX/XX/XXXX Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Dear XXXX : You are receiving this letter because you are a member of the class of federal student loan borrowers covered by the recent settlement of the XXXX XXXX XXXX ( " XXXX '' ) lawsuit. You submitted a XXXX XXXX to Repayment discharge application relating to your federal student loan ( s ) on or before XX/XX/XXXX, and you attended a school listed on Exhibit C ( " School '' ) of the settlement agreement. 
Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX University ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). 
The benefits described in this message apply to your Relevant Federal Student Loan ( s ). The benefits do not apply to private loans. The discharge of your Relevant Federal Student Loan ( s ) means that you will no longer owe the debt.

You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX University. Your loan servicer will let you know if you are eligible for a payment refund, which would be mailed to you. 
Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. 
XX/XX/XXXX, XXXX XXXX XXXX - Approval of Your Borrower Defense Case Under Exhibit C of the SXXXX XXXX XXXX Settlement https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX XXXX Other than confirming your address, you do not have to take any further action to receive your discharge. Your servicer will send you more details about the discharge, including which loans will be forgiven. Your Relevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete.
Product: Credit reporting or other personal consumer reports

I have a new address on my credit report as of XX/XX/XXXX. I was notified by XXXX XXXX  this morning. I filed a dispute and was directed here. Someone picked up my wallet at work and took all my cards and ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a charger of XXXX was posted to my Credit report from equitable Acceptance Corporation on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.
Product: Debt collection

Errors on the Credit Report : A balance of {$590.00} was inconsistently reported.

" Closed '' status is reported as " Open '' on other bureaus.

FCRA Violation ( 15 U.S.C. 1681e ( b ) ) : The information reported by the creditor is inaccurate and incomplete. 

Potential Misrepresentation of Identity : The name " Harris & Harris Ltd. '' may imply that the entity is a law firm or attorney when it is not. This could violate provisions of the

FDCPA ( 15 U.S.C. 1692e ) against false or misleading representations. Request for Validation ( 15 U.S.C. 1692g ) : Provide a full account ledger and evidence of receivables. Include a detailed chain of title and proof of ownership. Clarify the entity 's nature and ensure no misleading representations are made in communication.