23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I relieved notice I was being sued by LVNV Funding. I responded to the suit and send a debt animation request certified mail. I requested verification and proof of the debt. The case was withdrawn ( I'm assuming because they could not provide valid proof I owed the debt ). They also never provided me with any proof I owed the debt. Just an amount and a name of a credit card company. No contract. No signed documents. No account ledger. They have failed to provide proof of this debt and refuse to remove from credit report.
Product: Credit card

I used my chase sapphire preferred card ending in XXXX to book hotel room via chase travel portal on XX/XX/2024. I was supposed to get {$50.00} credit. 

I contacted customer service who said that credit will be posted in 1-2 billing cycle. But historically credits have posted within few days of the charges. I have talked to many people who has received this {$50.00} credit in few days recently.
Product: Checking or savings account

Placed order online for an swimming pool liner in the amount of {$98.00}. Two days later I received an email stating that item was delivered. Reached out to the merchant through email @ XXXX. I sent 3 different messages on 2 different days and still no reply back. I then called USPS and gave them the Tracking number XXXX. The agent then asked me for my shipping address. She stated that the address on the tracking is not mine and that she would open an case for the item. Service request case # XXXX for USPS>>> After contacting USPS I then call my bank which is Bank of America ( claim # XXXX ) which then credited my account temporarily. After 90 days of BOA doing there investigation they then stated that they would not pay the claim. I have reached out to the claims department multiple times regarding this issue and I was told to contactXX/XX/XXXXwho then stated for me to contact my banking institution. I have missed hours from my job trying to deal with this matter and I thought that your bank has your back.
Product: Checking or savings account

To preface, I am facing a sophisticated cyber attack shrouded in public corruption. I reported a fraudulent company & multi-million dollar scam to the FTC about XXXX months ago and the group orchestrating the scam is preventing me from communicating with others by phone or text or internet. To circumvent this I've been forwarding traffic from a variety of domains to websites I've created with information about the situation. It's escalated to the XXXX military working with XXXX of my cellular providers to monitor the traffic to and from XXXX of my phones. IP addresses assigned to the Dept. of Defense ( a few times also the XXXX XXXX XXXX XXXX ) are always showing up for the source of my cellular data, but I am yet to speak with anyone about what's going on. 

Currently I am unable to spend money online using any bank or digital wallet, and I can not open a new bank account at any bank due to banks being unable to verify my identity after I enter my SSN. It seems as if I've been declared deceased and any use of my social security number is being refused. I recently moved to XXXX XXXX XXXX XXXX XXXX XXXX without much warning and it's possible someone reported me missing, but I'm unsure how to find out. This also could be a tactic by the group of scammers to prevent a murder investigation in XXXX XXXX after I've been declared dead in XXXX. 

Here 's what's happened in the past week : XXXX. ) Wells Fargo, XXXX XXXX XXXX, and XXXX XXXX rejected my application to open a checking account because they could not verify my identity. 
XXXX. ) I was unable to deposit cash into my XXXX account with an error message of " suspected fraud '' being the reason on the cashier 's screen. I opened a new XXXX account and the same thing happened with that account at a different deposit location. 
XXXX. ) I added money to a XXXX pre-paid debit card, but when I tried to register the card online with my SSN they were unable to verify my identity, so I am unable to add a billing address, or make transfers or withdrawals. 
XXXX. ) I can not log into my account with XXXX because they can not verify my identity. 
XXXX. ) I received an email from XXXX about a credit inquiry, but I have not applied for anything except checking accounts in the past year. I received a similar email from XXXX, along with an email about being approved by a lender for a loan. I do not have access to any XXXX account currently. 

I am reporting this to keep record with the Consumer Financial Protection Bureau and in my own publicly-accessible list of reports. If there is anything your office can help with it's appreciated. If any action is taken on my behalf, PLEASE approach the situation with grave seriousness and be mindful of hacking and manipulation by highly premeditated social engineering tactics. 

Thank you!
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit XXXX to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XX/XX/XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXXXX/XX/XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX XXXX : {$0.00}
Product: Credit card

Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy and since it was discharged they have done a hard inquiry on my credit 2 times. XX/XX/XXXX and again on XX/XX/XXXX.  They have not called or emailed me. Made no attempt to contact me that I am aware of other than accessing my credit report. This is not acceptable. I filed bankruptcy to try and repair it not to have them ruin it even further. This is causing issues with renting a home and lowering my credit score.
Product: Debt collection

On XX/XX/2020 I discovered I had a bill in collection with Americollect XXXX in XXXX, WI. I called the company and ended up paying 3 different XXXX collections from XXXX XXXX XXXX XXXX XXXX in XXXX, IL. I discovered that the bills were amounts not covered by my insurance company with the largest amount being from service on XX/XX/2020. I paid the entire amount using my debit card which came to over {$1800.00}. Today, XXXX I was notified about a collection on my XXXX XXXX account and I discovered it was again Americollect, and this time it was for {$3300.00}. I called Americollect at XXXX XXXX. I was told by the female on the phone that the new bill was for service at XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. I told the female that I already paid the bill. The female advised me that my XXXX XXXX " reversed their decision '' to pay the bill and I now owed the stated amount. I advised her that I was never notified by either XXXX or XXXX and that I should have been given an opportunity to dispute the decision or at least pay the bill before it was placed on my credit report. I demanded it be removed and I was told the only way that could happen was to pay the full amount or they could mail me out a removal request and I could send it back and they would review it. At this point, I was very upset and admittedly began swearing at the female and demanded to speak to a supervisor. I then spoke with a female supervisor who told me the same options were available to me and nothing else could be done. I asked her how I could have a bill in collection so soon after paying the bill on XX/XX/XXXX. She told me that the bill was submitted to them on XX/XX/2020. I asked her how much the original bills were for and she advised the {$1800.00} and some odd dollars that I had already paid. I then asked her how can I now have {$3300.00} in collection and she stated that it was the same bill but that amount was added after my insurance reversed their decision. I was even more upset at this time in believing that I should have been given time to pay or dispute the bill before it was applied to my credit report. At this point, the supervisor was only talking in circles and gave me no further recourse. I will be glad to pay the amount owed after finding out why my insurance " reversed their decision '', however, I feel it is wrong for them to post a collection on my credit report as they have done.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Here is the list of items that do not belong to me or were opened without my permission.
Product: Student loan

This is the issue with my current student loan I have a balance close to {$25000.00} remaining on my loan its a federal student loan. I'm a former student at XXXX XXXX XXXX ( XXXX ) it was shut down because of fraud. Navient is the current provider of my student loan which is also facing litigation of charging students higher interest rates I believe my current loan of {$25000.00} should be forgiven because of of the two identities mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS IN VIOLATION AGAIN ACCORDING TO 15 U.S. Code 1681b - Permissible purposes of consumer reports BY UNLAWFULLY FURNISHING CREDIT BUREAUS MY INFORMATION THATS NOT PERMISSIBLE BY LAW ACCORDING TO 15 USC 1681b WHICH NONE OF THESE LAWS BELOW GAVE XXXX XXXX THE RIGHT TO PROVIDE MY INFORMATION TO ANYONE OTHER THAN MYSELF a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

CREDIT BUREAUS COULDNT GET MY INFORMATION WITHOUT MY CONSENT UNLESS XXXX UNLAWFULLY PROVIDED IT TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent TOYOTA MOTORS account doesn't belong to me. I've been disputing it for over a year but XXXX and XXXX refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX and XXXX thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
Product: Checking or savings account

My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX Cell XXXX My bank account is I dont have overdro with my bank And when I open the account I ask my banker I dont need over drow plane to my account if I have money in my bank when I use my card ok if I dont have money dont let the bank make transaction and add fee to my acount What I need 1- all the money for the fee it goes back to my bank account 2- my account go to positive
Product: Credit card

XX/XX/XXXX, I received my XX/XX/XXXX Macy 's statement and the only charge on the card was a purchase I did not make. I did n't even recognize the location ( I live in XXXX and the purchase was made in XXXX, XXXX XXXX. I spent over 35 minutes on the phone on XXXX/XXXX/XXXX trying to report the fraud and close my account. In spite of that effort, I received a new card in the mail the following week. Then my XX/XX/XXXX statement arrived in the mail, and the fraudulent purchase had been transferred to the new account along with a late fee and interest charge. I called again on XXXX/XXXX/XXXX and this time it took me over an hour to speak with XXXX different people in an effort to resolve this issue. I was told I would receive paperwork in the mail within 10 business days that needed to be signed and returned, but as of today, XXXX/XXXX/XXXX, I have not received anything. I also asked about the late fee and interest charge, and I was told that would take 2-3 billing cycles to resolve. I mentioned my concern that this would negatively impact my credit, but I was told there was nothing that could be done. On XXXX/XXXX/XXXX I paid the fraudulent charge, interest and late fee in full.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I received Experian credit report # XXXX, which includes an account from XXXX XXXX XXXX XXXXXXXX ). While this account was marked as " updated, '' numerous discrepancies remain unresolved. These inaccuracies negatively impact my creditworthiness and create significant issues. 
The following discrepancies in the account were identified : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and Experian report {$2600.00}, while XXXX reports {$2500.00}. 
XXXX XXXX : Inaccurate credit limit. XXXX and Experian report {$2500.00}, but XXXX reports {$0.00}. 
XXXX XXXX : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match across bureaus. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and Experian report XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
These discrepancies demonstrate Experians failure to ensure the accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information. Additionally, Experian has not provided a detailed explanation of how this information was verified or the procedures used, as required by the FCRA. 
Impact of the Issue : These inaccuracies are harming my credit score, damaging my financial reputation, and limiting my ability to access financial products on fair terms. XXXX negligence has caused unnecessary stress and financial difficulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Mortgage

Just started working with Shellpoint Mortgage Servicing after being with XXXX for years. XXXX sold the mortgage. I am behind, I 've had many doctor/hospital bills and have been unemployed in the last 18 months. I am now employed but at a much lower salary. catching up is going to be hard but I can, I can also do a forbearance which just adds the 3 late payments to the end of the mortgage. this company sent me a hardship form saying I qualified, and then I get XXXX threatening notices with an intent to accelerate. I have no intention of letting my home go to foreclosure and find this just ridiculous. their on line reviews are terrible. 

It 's just a scam. 

I need assistance and will contact hud, will also contact my state AG 's office and will take all other avenues to protect myself and my home. 
Very disappointing and misleading company to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I tried a trial with XXXX XXXX for the weekend. The catch was that we were expected to do a meeting after the stay. The promise was that the meeting would be for an hour. When we went to fulfill our agreement, the agent kept us there for up to 2 hours. Repeated attempts were made by us to leave. Told the agent we were not interested. We could not physically leave because they had our IDs. The agent kept bringing people forward, disregarding all attempts to leave, showing videos, and promising we could trade our points with XXXX at any time to take a trip anywhere in the world. Under all the pressure and wanting to leave, we agreed. The signing process was quick. No mention was made of the fact that we had up to 7 days to back out of the contract nor that, as active military, we actually had up to 30 days. Immediately the next day, we wanted to get out of the contract, but due to operational commitments with the military, we went out to sea and missed all opportunities to do so. We kept making monthly payments until we could find a way to get out. We even tried actually using our benefits, to which XXXX XXXX  representatives state we had to request 5-7 months out even to get a reservation. We complied and still could not book a stay. They said if we upgraded our benefits we could get our stay for the time we wanted. I even tried contacting them to find a way to get out of the contract, but the person stated I would have to sell to a third party or keep paying. This was not the full truth. We tried finding timeshare exit programs, but all said to stop paying immediately. For fear of taking a hit on our credit, we did not pursue it and kept paying. Well, a part of the contract with XXXX XXXX requires the payment of maintenance fees every other year, apart from the monthly fees. When in the meeting, the agent stated that the only repercussion of not paying the fee was that you would not be able to use the benefits. So when the time came up this year, we thought, well, we can't use the benefits anyways because they kept denying us our rights. XXXXXXXX XXXX has been violating the XXXX of XXXX by overpromising with misrepresentations with the XXXX XXXX. We have paid thousands already and have not been able to use our benefits once. They sent us to debt collections for maintenance fees on a timeshare they have not allowed us to use even when the maintenance fees had been paid up. It is already hard being XXXX XXXX military and now having to deal with vultures like this company, causing more burden to my family. Putting us out of pocket every month paying on something we can not even use and now, to add insult to injury, hitting both our credits for fees on something we can not use. Any help in this matter would be greatly appreciated.
Product: Checking or savings account

Received a text from number : XXXX XXXX XXXX ( XXXX, FL ) Addresse to CITI customer- issues with account and to reaccess account please click on link : XXXX XXXX XXXXXXXX XXXX led to a citibank page. Asked for username and password. Then led through asking name, social, mother 's maiden name, then took to a log in with XXXX email/email password. Asked for license photos as well. 

I had been having issues with my Citibank debit card and had received a few texts over the past few weeks but ignored all of them. For some reason today I clicked on this link and followed through giving them all of this information. 

I immediately called Citibank bc something didn't feel right about this and they explained they would never send a link to click through or text about this information.