23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of fraud. My ex-husband and his mistress used my name and social security number to open accounts in my name. I was separated from my husband since XXXX forced out my home. I had to get legal help to gain entry back in my home. A judge ordered my ex-husband to surrender my home on XX/XX/XXXX, XXXXit was a long drawn out process. As I returned back to my home, I noticed mail in my name regarding credit card accounts my ex-husband opened without my knowledge. The credit company portfolio purchased an account amount owed without my acknowledgement fraud account totaling over XXXX XXXX dollars. Portfolio claimed they completed an investigation not true. Portfolio did not provide how and where the account was obtained. What identification was used. On my credit report portfolio claims I disagree with the amount to be collected but never reviewed the account for fraud to ensure as a victim I was treated fairly. Police reports were filed and sent to portfolio and this account still remains on my credit report as I f this debt is a debt obtained by me.
Product: Credit card

We bought a airfare with Chase travel for a person that unfortunately died almost a month before the flight. We called and tried to change the name on the airfare but it was not possible. They guide us to send an email to XXXX with the XXXX XXXX and all the information of the flight and case. 

We followed the instruccions and sent the inicial email on XX/XX/XXXX, we have followed up on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX with no answer at all. 
It has been already XXXX  months waiting for this refund or at leat a response on the case but no one answers me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company reported me as delinquent even while on COVID workout for a modification right after a COVID forbearance. They told me ( after I noticed a XXXX point credit score drop ) there was no way I could avoid it without paying the entire outstanding balance ( which was getting rolled into the loan via a COVID workout loan modification ). This is unjust, immoral, and greedy inhuman behavior. They ruined my credit score and perfect payment record because of a self-enforced set of rules that I had no control over. Throughout the COVID forbearance, I asked and was told many times that there would be no negative repercussions for being on the forbearance or for the loan modification. They refuse to provide me with phone recordings of the conversations. 

XX/XX/XXXX, spoke to XXXX XXXX, made escrow payment, advise on repayment options/loan mods, etc XX/XX/XXXX, spoke to XXXX, made escrow, made mention of plans to do loan modification. 

XX/XX/XXXX, spoke to XXXX, wanted to make sure was still on COVID forbearance, made escrow, mentioned desire to do loan mod XX/XX/XXXX, spoke XXXX, escrow only payment XX/XX/XXXX, spoke to XXXX, escrow only payment, went over COVID options, wanted to do mod, still on forbearance XX/XX/XXXX, spoke to XXXX XXXX, escrow payment, went over deferment loan modification, wanted to do mod, referred to XXXX XXXX notified ). 

XX/XX/XXXX, spoke to XXXX, wanted to go ahead and do modification, streamlined. Had to order updated value, takes a few days ( $ XXXX ). XXXX said a few days to get value back. 

XX/XX/XXXX, spoke to XXXX, returned results, submit mod for approval. 

XX/XX/XXXX, mod submitted on this date to supervisor, XXXX ( or team ) XXXX XXXX XX/XX/XXXX XXXX XXXX sent out for Mortgage insurance caused delay, sent out and response on XXXX XX/XX/XXXX XXXX resubmitted back to supervisor team 48 hours for approval ( weekend in between ), standard Actually took 4 business days ( not including XXXX ) XX/XX/XXXX, everything was approved for loan modification. Needed MI approval also ( done for XXXX ), XXXX approved it. I was not notified until XXXX A month where nothing happens, XXXX XXXX ( supervisor ) says about XXXX XX/XX/XXXX, letter offer sent for trial XX/XX/XXXX, I called in, spoke to XXXX, confirmed modification was approved to start XXXX told me XXXX is an interim month before the trial, no payment is due, trial payments start in XXXX ( XX/XX/XXXX ) Not asking for payment at that time, In reference to the XXXX interim month XXXX XXXX has not actually declared the COVID emergency over as of XX/XX/XXXX. 

I was deceived by Shellpoint/NewRez and penalized for following the rules. 

I have submitted several disputes to XXXX with no resolution. Until today ( XX/XX/XXXX ) I have not even been able to view responses because they delete them before I can. I have filed disputes with each of the three major credit bureaus however my understanding is they just go ask XXXX for the same information again and don't resolve it either.
Product: Credit reporting, credit repair services, or other personal consumer reports

my auto loan with navy federal is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a finance manager at the dealership please remove the late payments off of my consumer reports
Product: Credit reporting or other personal consumer reports

I received a copy of my updated score for my credit report and noticed an account was added to my report XX/XX/2024, that does not belong to me. That account is XXXX XXXX XXXX in the amount of {$2400.00}. I have included this account in my Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you in hopes that you can help me with TransUnion reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX car from Hyundai Finance towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX  was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a XXXX XXXX by XXXX and also got XXXX  during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but Hyundai Finance company reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides Hyundai motor finance had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by Hyundai and the letter I sent them.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the disputed items on my credit report, which were submitted on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I requested the removal or investigation of these accounts, but to date, I have not received validation of the disputed accounts, nor has an investigation been completed : XXXX XXXX XXXX, Dispute not completed in 30days. 
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not completed in 30days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Outdated negative remarks not removed on accounts. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX : Outdated negative remarks not removed on accounts. 
Balance : {$2500.00} Balance : {$2300.00} Balance : {$1800.00} Balance : {$1300.00} Balance : {$330.00} XXXX XXXX Account # : XXXX Balance : {$510.00} Dispute not resolved in XXXX. Remove from my report. 

XXXX XXXX Account # : XXXX XXXX : {$2700.00} Dispute not resolved in XXXX, remove from report. 

XXXX ( XXXX Report } ) Account # : XXXX XXXX : {$4300.00} Dispute was not resolved in 30 days, remove from report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance reporting : {$470.00} Update by removing negative remarks, remove late payments from report, account was to be in hardship, dispute not resovled in 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30 daysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30days, XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} Account wasnt validated, dispute wasnt resolved in 30 days. Remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Acct not validated, remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute not resolved in 30 days, remove.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX at around XXXX XXXX, I received a call from a debt collector from National Recovery Agency saying that I owed XXXX XXXX  in XXXX XXXX Illinois {$110.00}. they provided no form of mini Miranda, and I told them I would call XXXX XXXX to verify. After calling XXXX XXXX, I immediately checked my credit score which went down 40 or more points because of derogatory marks related to the collection attempt. NRA in my opinion, did not follow the FDCPA by reporting the information to credit bureaus before the 30 day notification period had expired. I am still verifying the status of the alleged debt by XXXX XXXX who never contacted me in regards to the issue. I am concerned that my credit score is being damaged without any notification on both parties part, and that no notice of how to dispute was given to me by the creditor. ( No person shall be deprived of life liberty or property without due process of law ) I called the collection agency to ask who reported it and they said they would resend the notice in 14 days. This is not sufficient since it does no good to get the notification after the fact. Also, the address the debt collector gave me that XXXX listed was not used since XX/XX/XXXX. 
If that was the last address used, then the last bill would logically be 8-ish years ago.
Product: Credit card or prepaid card

I received a phone call from my property manager that our rental property in VA had a broken dishwasher. I then proceeded to make an ONLINE purchase for a dishwasher as my current residence is in HI. Apparently when the order was placed it ( XX/XX/XXXX for XXXX ), the dishwasher was in the state of HI. After multiple phone calls to the installation crew as to why the dishwasher hadn't been installed to the VA property, we found out that the installers ( based in VA ) never called to let anyone know that they could not install the dishwasher because the dishwasher was in a HI warehouse. After many phone calls we had found this out and were able to receive a refund on the HI dishwasher in order to purchase a dishwasher in a VA warehouse that could be installed ( XXXX on XX/XX/XXXX ). As you can see quite a bit of time from the original purchase. I thought the case was closed ; refunded for the 1st dishwasher due to a mix up and the appropriate one purchased and installed. Until, XXXX XXXX I was looking at my account and saw these letters in my message center from XX/XX/XXXX, stating that the conditional return of {$800.00} was being reversed and that I was recharged the {$800.00}. I do not look at this account all the time and just login to pay the bill as it is for appliances. To my horror, Sears reapplied that {$800.00} charge and I have been paying for an appliance for 2 years that I never had installed. When I started contacting Sears to  have it fixed, I have been getting nothing a run around and even one stating that their phones are busy and I should try back tomorrow. 
Now XX/XX/XXXX, I spoke with a gentleman that I thought was very helpful. He created a new case number and gave me a direct line to the case management site. He also state that someone would contact me within a week. Fast forward to today XX/XX/XXXX and I call to figure out what is going on and the woman asks if this is about a return of dishwasher from XXXX. I stated the situation and she asks me why I am seeking this refund now. First, it's not a refund it is a fraudulent charge. Then proceeds to tell me that " this is odd '' and the case was closed because it is past the return period. I have asked to speak with a manager and having now been on the phone for over 4HOURS being tossed around and on hold. Sears fraudulently charged for a dishwasher and can not customer assistance to help rectify it. I have detailed conversations with all of the associates and the dates and times that I have spoken to them. I feel so violated and ripped off by this company. How do refund someone for purchase to which they never received and then just reverse that charge months later without sending any notice other than an electronic statement in the credit card company 's site. I just wrote the notification off as an alert of a monthly statement. Maybe, I should have been more diligent in reading my messages, but it is criminal and fraud to charge a person 's credit card for merchandise that they did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current
Product: Debt collection

For years I have disputed Portfolio Recovery Associates with XXXX, XXXX, and XXXX and have repeatedly asked for PROPER validation of debt from Portfolio, as well as, asked XXXX, XXXX, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, XXXX, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from Portfolio Recovery Associates. Furthermore, Portfolio Recovery Associates continues to make representations about unsubstantiated debt. I have asked numerous times for Portfolio Recovery Associates to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. 

Portfolio Recovery Associates did not provide the required disclosures when collecting on debts beyond the statute of limitations. Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for Portfolio Recovery Associates to investigate the dispute.
Product: Checking or savings account

i open an account through the mobile app on chime app. i had the account for a while and suddenly the company decides to freeze my funds for 2 years already and still going, with no attempts to contact me. they only respond to my emails with more questions which i have already responded. i have waited enough time, i have sent them a picture of my permanent resident id, and a selfie holding the id as they have requested in the email they sent me. the amount owe to me is XXXX is the last number i remember before my account was put on hold and my access was denied. i am afraid that the company will retaliate against me for asking for my money back. i have waited 2 years already and i am asking for more professional help to resolve this matter. my contact is XXXX, my phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX  by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX balance {$280.00}, XXXX XXXX XXXX  balance {$120.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to XXXXTransUnion on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One closed my accout on XXXX and wrote off {$1800.00}. It went to XXXX XXXX XXXX and XXXX XXXX I paid this account. They again reached out to all three credit companys on XXXX and XX/XX/XXXX to notify this has been paid. I deputed it with XXXX and even mailed in the letter and information it is still showing on my credit report as owing {$1800.00} I would like to get this removed I already paid it???? 
Can you please look into this. Thank you,
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year> saw a transaction on my Zelle account for {$200.00} that was sent to a recipient that was not supposed to receive that money. I realized that the money I was trying to transfer to someone else was sent to the wrong person. I contacted Zelle to inform them and see if I could get the money back or cancel the transaction but they said they couldnt do anything because the transaction was already processed. There should be other ways for them to verify or take back the money that was sent to the wrong person and I ended up not getting anything back.