23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX of illinios continues to sell debt not owed. Which is illegal and having been doing so for years bringing my credit down. In documentation i have provided a statement of payment in full due to all my medical debt due in the time of XXXX processed by XXXX  XXXX XXXX XXXX. This issue continues from XXXX XXXX to Nationwide Recovery systems, I have contacted All 3 credit Bureaus about this matter thru multiple letters an disputes. I am prepared to seek max penalty for these fraudulent charges holding me back in life if not properly handed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.
Product: Debt collection

Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our Bank of America credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with Bank of America, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from XXXX XXXX XXXX for the amount of {$3100.00} from Bank of America and FIA Card Services. I asked Bank of America what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with Bank of America. XXXX XXXX XXXX is also trying to collect a charged off amount of {$2700.00} which is also from Bank of America. It was charged off in XXXX. Also, Bank of America / FIA Card Services was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention several egregious violations that have greatly impacted my financial well-being, as well as my emotional and mental state. I am seeking your assistance in addressing these violations and enforcing my legal rights under various consumer protection laws. The violations have led to inaccurate and damaging information on my credit report, severely hindering my ability to access fair credit and financial opportunities. 

Specifically, I have identified the following violations committed by various creditors : XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX - Multiple Violations ( FCRA, FDCPA, FACTA ) Account Numbers : [ List Account Numbers ] These creditors have engaged in improper reporting, including accounts involved in litigation, incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. 
XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX Furthermore, these violations have not only resulted in financial hardship but have also taken a significant toll on my mental and emotional well-being. The constant stress, anxiety, and frustration caused by these inaccuracies have affected my ability to focus on my work, strained my personal relationships, and even hindered my overall quality of life. 

In light of the above violations and the impact they have had on my life, I kindly request your intervention in enforcing my legal rights. I implore you to investigate these matters thoroughly and ensure that the creditors in question rectify their actions. Specifically, I request that they promptly remove the unverified and inaccurate accounts from my credit report, thereby enabling me to regain control of my financial standing and alleviate the emotional distress that has resulted from their actions. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a resolution that will allow me to move forward positively, both financially and emotionally. Please feel free to contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a letter on XX/XX/2020 that my current mortgage loan holder, CIT Bank, N.A. had transferred my loan servicing to a new company : XXXX XXXX XXXX. They gave me only 2 weeks to change my XX/XX/XXXX payment which seemed fast but I made it happen. Given I had auto payments set up, the notice period seemed tight.

Then on XX/XX/2020, I received a letter from CIT Bank N.A. XXXX C/O XXXX , XXXX that my hazard insurance on my home expired. I have no lapse in my insurance and I never have. The letter threatens that unless I get them new information they will but insurance on my behalf and it " may be significantly more expensive ... ( and ) ... not provide as much coverage ... '' They will not except email communication and I was in their phone number tree several times and was unbale to get a person on the line to help. Only computer responses.

I believe this is predatory behavior. They have had my loan and proof of insurance for several years. In the handoff of servicing to XXXX XXXX, they either lost my insurance info or chose to ignore it and then threaten to replace it at their profit. This is a shameless profit grab and forces me to prove what I already had. They should not be able to assert I have no policy and then take actions to replace it at their profit. The should also make it easier for me to communicate with them. Shameful!.
Product: Credit card or prepaid card

I redeemed XXXX Citi Bank  thank you points for XXXX XXXX Bestbuy gift card. I received XXXX with physical gift card. In some time I tried to use it in the store or online and card did not work. I called BestBuy customer service and they said they can't help me with this card since it was not purchased from BestBuy store. I called Citi Bank ThankYou reward desk who also said they can't replace the gift card, and I should deal with BestBuy directly. My BestBuy card still has full balance of XXXXXXXX XXXX on it, and it looks like I can only be forfeited at this moment since nobody can replace it. 
Case id With BestBuy customer service - XXXX Card information can be provided at the request as well as proof of redeeming CitiBank ThankYou points. 
Thanks! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were XXXX, Equifax, XXXX. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that XXXX revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.
Product: Debt collection

The company has been calling relatives and others regarding this debt. In early XXXX, around the XXXX, they contacted a cousin who lives in another state and who was not listed in the contract as a reference to my knowledge. They've also repeatedly called other relatives.
Product: Debt collection

I am a victim of identity theft. I noticed a collection account on my credit report that is a result of fraud. The collection account is CREDIT MANAGEMENT LP and the original creditor is XXXX XXXX. I have never done business with XXXX or used any of their services. This account is not mine.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.
Product: Credit card

I received a Jet Blue credit card in the mail from Barclays bank that I did not apply for XX/XX/year>. I called the bank 's phone number on the paperwork and spoke with a male representative with an XXXX  about my concerns. I told him that I did not apply for a credit card but it looked like this is what was sent in the mail. He asked me " did you recently go on a cruise ''. I thought this was a strange question, but I had gone on a cruise with my husband in XXXX so I said " yes. '' He told me " oh well this was just a promotion and not a credit card ''. I wanted clarification stating " So this is not a credit card its just a promotional thing that was sent? ". Again he stated " yes, there is no balance on the card, it is closed and you can shred it. '' I was relieved and then I did shred the card but I did take a picture of it first because I thought it was odd. Several weeks later I saw that my credit score was dropping and I received several credit card denial letters-cards I never applied to and realized that someone was using my information to apply for cards. Luckily the other cards were denied but the Barclays Jet Blue card that I was told was not a card now showed to have a balance of {$4800.00} on it. I put a freeze on my credit with XXXX. I called Barclays and reported the card and charges were fraudulent with XXXX. XXXX told me that the card was not closed initially because of fraud but had been closed " because you told us you had to many credit cards ''. This was a complete false statement and I never closed the card because initially I was told it was never opened and that it was a " promotion ''. After waiting for Barclays fraud investigation they sent a letter XX/XX/year> stating that their investigation showed that the card and charges were " not fraudulent ''. They continue to report late payments to credit bureaus and worsen my credit score. When I googled " Jetblue Mastercard Scam '' I learned of several other people that were also scammed this same way in Spring-Summer 2024. I have also received letters from 3 different companies that my personal information was hacked in the past 10 months and identity is at risk. I have attached paperwork from various cards that were applied for fraudulently as well as the notices that my personal information was at risk.
Product: Credit card or prepaid card

OnXX/XX/XXXX my American Express serve card was comprised at a XXXX XXXX in New Jersey on this day which was a Friday. I was very sick that an ambulance was called to transfer me to a hospital because I couldnt breathe and had server chest pain I was taken to New York XXXX hospital on XXXX in ny XXXX and diagnosis with XXXX and the thing about this is my birthdate is XX/XX/XXXX there is no way I could be in 2 places at 1 time in which I explain in writing to America express serve with documentation of my whereabouts on this day I filed a chief complaint with them and they verbally told me that I would have to wait 45days so that they could investigate I waited those days but in between I called and called them I spoke to 3 representatives of this company 1st one was named XXXX he then redirected my call to a America express serve Dispute at XXXX and again they stated that it was still under investigation on XX/XX/XXXX I received a email that this transaction was being declined because I so called authorize this purchase so In turn they told me to download a claim notice and return it to them I followed there policy but as every phone call was suppose to be recorded I expressed to them that I didnt make this purchases because i was hospitalized as per my conversation with them to mail it to American express serve XXXX XXXX XXXX XXXX Ga XXXX and to American Express XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ny XXXX I mailed this on XX/XX/XXXX and I have yet to here from either one of the addresses that provide to me I would truly appreciate some service from CFPB and I have also filed a small claim case against this company thank you
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX These accounts are all fraudulent accounts opened in my name. I was XXXX with XXXX XXXX XXXX XXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. My only address should be XXXX XXXX XXXX XXXX Ga XXXX. I was XXXX since I was XXXX XXXX XXXX until my release date of XX/XX/XXXX. When I came home it was to my home address of XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit reporting or other personal consumer reports

In the past, I was a victim of identity theft, and I had no trouble requesting the removal of certain information requirements from my credit score. However, I have once again sought assistance, but XXXX is refusing to provide support in a straightforward and efficient manner, causing me personal harm.
Product: Student loan

Hello, I recently had my Navient Loans managed by a collection company called XXXX. I made a settlement agreement with them to pay off the loan. Then the day before the loan payment was supposed to be taken out, Navient took to the loan back from the collection company. This was done by a system that automatically removes accounts from collection companies who have not received payment within a certain period of time, I believe that 's the 30 days. However, I had an agreement in place, and I feel that Navient is taking extraordinary steps at trying to make this repayment incredibly difficult for me. I would like my loans sent back to XXXX XXXX XXXX XXXX.I would also like someone to look into this automatic system that 's pulling loans from collection companies that are already in repayment plans. The system should make an exception for those loans, and allow the collection companies to do their job.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX  was included in my XXXX that was filed on XX/XX/scrub>XXXX XXXX XXXX and was XXXX on XX/XX/scrub>XXXX XXXX XXXX. My credit report is showing a derogatory mark on it as well as XXXX late payments. Since my bankruptcy has been XXXX, I believe that it would be in my best interest that you review my credit report for a potential removal, as I am working very hard to rebuild my creditworthiness.
Product: Debt collection

Received letter in the mail on XX/XX/XXXX ( postmarked XX/XX/XXXX ) explaining that they have a claim about a car accident a couple years ago on me for about 12000 . I sent a letter on XX/XX/XXXX in response requesting more information so i could verify the debt was valid and how much of the total amount. They sent no response to the letter. I called the company i believe on XX/XX/XXXX to verify the letter was received and to request the information. They confirmed they had revived the letter. I was told that they did not need to respond to the letter because of HIPPA laws. So i was never sent any more information to verify the validity of the claim. He gave minimal information on the phone call about how much was property and what was medical. Did not say if the entire amount was what i owed or if it was only part of it. Then proceeded to tell me the options i had to pay it back. 50 % up front by XX/XX/XXXX ( check had to be received by XX/XX/XXXX ), or payment plans for 100 % over the next few years. I said i would look into it, which is when i called the CFPB to discuss the situation. I have attached a photo of their letter
Product: Debt collection

There were fraudulent charges on my Synchrony Bank ( Amazon ) credit card in excess of {$300.00}, all related to XXXX, XXXX and XXXX. I filed a fraud complaint with the company, paid all legitimate charges on the account and closed the account ( XX/XX/2022 ). The company took several months to respond, refunded me {$97.00} and charged interest and late fees on the fraudulent charges during the several months that they took to respond. The company is now harassing me with several calls and emails on a daily basis, and the " balance '' is now in excess of {$300.00}, all consisting of fraudulent charges, late fees and interest. I have called the company, filed online and also participated in an online chat. I can not get any resolution and my excellent credit is being ruined by fraud, deception and incompetence.
Product: Credit reporting or other personal consumer reports

Once again, I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically concerning a XXXX XXXX XXXXXXXX account and an XXXX XXXX account and a XXXX XXXX  account. Once again, Equifax refused to process my dispute, claiming they were unable to authenticate my identity. 

This response is entirely unfounded, as I previously submitted the same identity verification documents that were accepted by Equifax in XX/XX/year> when I requested my credit report. My identity was authenticated at that time, and my credit report was provided without issue. My address and other credentials have not changed. 

To resolve this matter, I provided Equifax with multiple forms of identification, including a bank statement for proof of address, my state ID, my Social Security card, and even a notarized letter. Despite this, Equifax has failed to authenticate my identity and continues to refuse to process my dispute. 

This refusal appears to be a deliberate attempt to circumvent their responsibilities under the Fair Credit Reporting Act ( FCRA ). Equifaxs actions deny me my legal right to dispute inaccuracies in my credit report and to have the information investigated and corrected as required by law. Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to conduct a reasonable investigation of disputes. 
Unjustified refusal to process a dispute by claiming an inability to verify identity.
Product: Prepaid card

The merchant told me that the AMEX prepaid gift card declined and that the purchase did n't go through so I paid with a XXXX. When I went to use the AMEX prepaid gift card again, I found that the funds were drained. I checked the AMEX gift card website and the transaction that was supposedly declined is still showing up on the gift card transaction statement. I called the merchant to double check if the card went through and they continue to claim that it was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Use Of Credit Report
Product: Money transfer, virtual currency, or money service

Paypal is holding my {$720.00} balance and won't let me have my funds. 
I have contacted them first around XX/XX/21. 
That initial day, I spent over 2 hours trying to get assistance over the phone. I spoke with the following Paypal folks starting at XXXX XXXX EST XXXX - Employee XXXX XXXX - Employee XXXX XXXX - Employee XXXX I have opened a XXXX  case, I have called multiple times. 
I have uploaded proof of the XXXX transaction that put that {$720.00} balance in my Paypal account. 

I have sent countless messages to Paypal and no one has been willing to call me or to release my funds to me and it's been months now. 

I have asked Paypal for the recordings of the phone calls and they haven't sent them. 

It's all been very frustrating. Paypal is keeping my money from a Phone sale for months and they won't even tell me why or communicate with me. I just get repeated vague and generic responses. 

I'd love some assistance and would really love my money. 

I have earned Paypal thousands of dollars over the years and it's mind boggling to be treated this way. 

I'm including a picture of the actual Paypal transaction where the buyer sent me the money for the phone. 
I'm including a picture of the XXXX transaction where the buyer gave me a positive rating. 
I'm including a picture of my XXXX rating which is stellar just to give a sense of who I am, how long I've been selling products and that I have an impeccable reputation. 

So what's Paypals ' beef with me? 

I don't think Paypal should be allowed to seize customers funds for no proven reason. 
I feel like they made me guilty without a trial and are completely unwilling to find a human on the Paypal side to communicate in a real way.