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

I have a XXXX XXXX through XXXX XXXX ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XXXX. 
Last week, around XXXX XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a XXXXpoint decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. XXXX XXXX indicated this was their error and they would be happy to fix it.
Product: Mortgage

Please help me save my home! 
I received a letter from the attorney foreclosure firm threatening foreclosure. 
I have tried to work with my mortgage company for several months to no avail. 
My mortgage company has refused to accept any amount and is returning all funds. 
I have not been offered any type of Loss Mitigation assistance! 
I have over {$11000.00} and my mortgage company refuses to work with me on an arrangement. 
Due to an accident and my inability to work, I fell behind on my mortgage. 
Please help me save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with XXXX  and Equifax about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.
Product: Payday loan, title loan, personal loan, or advance loan

I recieved a loan through titlemax and I paid atleast XXXX on a XXXX and none of it went to loan. They repossessed my car and made me pay XXXX. No relief no help and I was out of work and had family pass away.
Product: Credit card

My identity was stolen and they made multiple fraudulent charges on my credit cards. I informed the bank and gave them my identity theft report and all the information I had. They did not refund all the tractions and have denied some of my claims. They are stating that the charges are not Fraud after I already gave them everything proving otherwise. I requested copies of the documents they used to make this decision and they never sent me anything. Its been about 3 months since the Fraud happened and they still have not all dropped the charges or refunded my money.
Product: Debt collection

I initially mailed a VALIDATION letter to ARS in XXXX of this year ( 2021 ). I only received vague information on their letterhead, nothing proving that the debt could be for me. Next, I submitted a second letter specifically asking for validation, proof ( documents bearing my signature, statements, etc ) and method of verification etc. They in return sent the same letter again. I would like to receive the proper validation I am due by law. If they can not support their claim I would like this collection to be ceased from reporting to the bureaus and also removed from my credit report. This is my last step before going to my hometown court house to initiate a small claims case against HRRG dba ARS.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I opened an account with Possible Finance, an online payday lending service, at www.possiblefinance.com. For several months, I was unable to access my account due to it being locked, complicating my efforts to update my bank account details. I reached out to Possible Finance on XX/XX/XXXX, to address the issue of being locked out and to change my bank account number. Additionally, to complicate matters worst, Possible Financial 's system failed to update my bank information, as evidenced by the email I have attached. Although Possible Finance responded by saying they had updated my phone number in their email reply, this update did not occur until XX/XX/XXXX. That's because I wrote once more to get my account bank on track given their failures to do so. Until then, I was unable to log in or make loan payments. That's when Possible Finance did the change, prior to this Possible Financial did not assist or consider updating my phone number on file, nor do they provide a contact number for support. It was only after resolving these issues that my account was reported as defaulted for XX/XX/XXXX days on my credit reports, indicating I had defaulted on my loan. Despite settling my loan balance in XX/XX/XXXX after accessing my account. Possible Finance did not acknowledge their fault or update my credit reports, adversely affecting my XXXX XXXX and XXXX stability.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 



XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals XXXX years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the Equifax credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information
Product: Debt collection

I received an email on XX/XX/2020 stating : " We have been asked to contact you by our client, XXXX XXXX XXXX XXXX, regarding your past due balance with them of {$1100.00}. Their records indicate that your payment has not been received or processed as of the date of this correspondence and therefore is listed with us for collection. '' I have never done business with XXXX XXXX XXXX XXXX. My father, who passed away, apparently purchased a chair from them in the amount of {$1100.00} before he passed. They are now trying to collect this amount of money from me. My father did not have a will nor did he have any assets to pay for this debt. 

They then sent this email : " You are being charged for the Lift Chair you picked up and loaded in your vehicle after your father passed away. This makes you responsible for the debt. They have witnesses and cameras that show you taking possession after your father 's passing. '' This chair of my father 's was never loaded into my vehicle. I am not in possession of this chair. I feel they are trying to bully me or extort this money from me. 

According to the FTC, the nation 's consumer protection agency, family members typically are not obligated to pay the debts of a deceased relative from their own assets. 

I want this company and this person to stop harassing me. 
XXXX XXXX Claims Agent Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been working on my credit and got a lot of items deleted Or paid off and my score only moved up 1 point called to ask them about it they said something about factors something is not right with that 3 things on my credit was taken care of and my score only moved 1 point thats not right and they are also reporting and account thats current delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 (  1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

Recently I was applying for a mortgage and discovered I had a {$200.00} collection for a PAID medical bill with XXXX XXXX CLIENT # XXXX, XXXX # XXXX. 

I paid {$200.00}. My insurance paid {$160.00}, therefore, the bill was overpaid. I was refunded {$160.00} AND XXXX put me in for collections with SCA Collections Inc -- XXXX NC. XXXX.
Product: Checking or savings account

I currently filed a bankruptcy with the federal government. The bankruptcy was filed in the state of ILLINOIS. Case # XXXX to XXXX XXXX XXXX XXXX XXXX There are false and negative information being reported. XXXX asking for this negative information and debts be removed from my consumer report. Thank you.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my outrage regarding the appalling inaccuracies present in my personal information within your records. Upon scrutinizing my account/profile, I am appalled to discover numerous instances of gross misrepresentation that demand urgent correction. This situation is utterly infuriating and deeply unsettling, as it suggests potential fraudulent activity tarnishing my credit profile. Given the critical imperative of maintaining accurate records for data integrity and privacy, I demand the swift and immediate removal of these egregious inaccuracies. Your prompt action in rectifying this egregious breach of trust is non-negotiable and imperative.
Product: Debt collection

I had my account closed for my capitol one credit card a long time ago when it was stolen by some kid when I lost my wallet and I paid off my balance which was about XXXX dollars at the time but for some reason my account this still open and accruing interest until this day. I dont own anything except a XXXX  credit card which has no balance and I also have a XXXX  XXXX  card as well which someone took it upon theirselves to withdraw money at an atm which totaled out to about XXXX bucks and put me in overdraft which now says XXXX dollars. I cant pay this I dont make enough money behind child support and my rent payments. Im being harassed by many different phone numbers trying to get me to pay as well as bills in the mail
Product: Credit reporting, credit repair services, or other personal consumer reports

My company credit report came wrong, I did a dispute back on XXXX XXXX, they promised to fix the problems and send me the report corrected. It is almost 60 days and nothing each time that I call, they say : " your case is on investigation and someone will call in the next 24 hours '' and no buddy calls. I have call them no less than 9 different times and always is the same
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security card was stolen with lots of my document in the year XX/XX/2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
Product: Consumer Loan

On XX/XX/2016, my family came over to my place in XXXX, XXXX for dinner before I drive to XXXX. One of family members asked if she could use my computer to pay her Nissan bill. I allowed her to do so. Everything was fine until on the XXXX while I was driving on the hwy and need to put gas in my car. My debit card was not working, I noticed that the balance on my XXXX account was lower than it should be. I found that there were two unauthorized transactions on my account. After I asked XXXX [ my mother ] to add me as authorized user, I contacted Nissan as soon as possible and were asked to help them locate both XXXX and the vehicle before we could move on to the refund process. When we found the vehicle at one of the Nissan dealers in XXXX, I contacted the same Nissan employee to inquire about the refund but could n't get her to pick up the phone. I left many voice messages but she never returns my calls. I also reported to XXXX but Nissan told XXXX and me to give them 45 days but they never response to my complaint. 

I would like to point out that the vehicle was n't under my name and never authorized anyone to use my bank account to pay for the transactions. Nissan should have protected me and refund the money after my first call and should n't have asked me to help locate the vehicle or the person in the first place. 

These are the transactions info obtained from XXXX : 1. # XXXX XX/XX/2016 {$1200.00} [ this amount included {$20.00} XXXX fee ] * 2. # XXXX XXXX/XXXX/2016 {$1500.00} [ this amount included {$20.00} XXXX fee ] * I 'll deal with XXXX fees on my own, please exclude that amount.
Product: Credit card or prepaid card

My husband and I have had identity theft and have filed all the necessary documents to prove that it wasn't us on this one individual card called Zales who is taken care of by XXXX XXXX. At first they lost our paper work and that delayed the process we finally were notified that they received it but they weren't honoring it the paper work, the police report, the court documents etc. I am at a complete loss on how a company can try to get away with this. I have been in contact with an attorney and will sue if this is not handled in a professional and moral manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account XXXX has violated my rights 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 account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A FORMER NAME AND 2 PREVIOUS ADDRESSES THAT NEED TO BE DELETED
Product: Debt collection

I was alerted by XXXX XXXX of a new collection on my credit report after doing some investigation and contacting XXXX I've determined this account was opened with out my permission or knowledge. this is the second att account opened using my info. I have active fraud alerts on all my credit reports. the outstanding debt is XXXX and being collected by franklin service inc. I've had active att service at my home for years I don't understand how this happens. i have a filed a identity theft affidavit and have a police report for identity theft
Product: Checking or savings account

Hello. XX/XX/2018 my friend and I went to a bar/club in XXXX XXXX. My bill was around XXXX euro and with the tip the total that I signed for it was XXXX euro. The next morning I saw the charge. It was XXXX euro extra ... I called my bank Chase and the merchant. Chase credit my account the XXXX euro and a couple months later they charged my account the XXXX XXXX euro ... No one contact me to tell me that. I called Chase corporate and I talked to all the higher ups and I wasn't getting anywhere ... I went to my branch in XXXX XXXX XXXX XXXX and I requested to see the signature on the receipt. It's so clear that the signature that my bank has on record is different with the signature on a receipt they send ... from XXXX. The branch manager in XXXX XXXX in front of me told the manager at Chase claim department Corporate office that my signature wasn't on the receipt and that They should deposit the XXXX euro back to my account ... Chase told me to contact XXXX and XXXX was telling me that Chase bank is responsible for the fraud. My claim number at Chase is. XXXX. I have on my possession the signed receipt with the fraugally signature .... that Chase received from the merchant in XXXX ... My branchs phone number is XXXX. Thank you XXXX XXXX. My phone number is XXXX Please help me find justice and also protect other consumers from fraud especially when they travel. My email is ( best way to contact me ) XXXX XXXX
Product: Mortgage

In XXXX, I refinance my home through a XXXX XXXX recommendation for XXXX. XXXX  sold the loan in XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX sold the loan to Nationstar Mortgage LLC d/b/a Mr. Cooper. This is a criminal enterprise. The private notary that closed the XXXX loan locally was aware that the loan would be sold to Mr. Cooper. I have been provided multiple loan numbers for the Mr. Cooper account. Today, XX/XX/XXXX, I was provided another number, XXXX. They are preventing from making electronic payments through XXXX  XXXX XXXX online banking. They are claiming, that they are not receiving payment. Payment, that I have proof was mailed. I called repeatedly, including on XX/XX/XXXX. During that conversation, the agent requested an email address, that was already on file with my mortgage paperwork. Since that time I have received a daily email, harassing me over one thing or another. One of the first emails was " confirmation '' of a conversation that was never had regarding homeowners insurance. My XX/XX/2021 insurance to XXXX XXXX was paid XX/XX/2021 and was a long drawn out process with XXXX. Mr. Cooper notified that it had not been paid and illegally removed funds from my escrow, double paying my XX/XX/2021 XXXX XXXX premium, underfunding my escrow, which could lead to increasing my payment. Today, I received a letter dated XX/XX/XXXX, from Mr. Cooper stating that my hazard insurance had expired and that they were purchasing insurance on my behalf and that it may be at a higher cost and provide lower coverage. Which is it? Did they pay my XXXX XXXX policy twice or were they purchasing other insurance? They are CRIMINALS! I contacted XXXX XXXX  they have refunded the overpayment of my homeowner 's insurance to me, again, this causes my escrow account to be under funded and allows Mr. Cooper to raise my payment. This company needs to be investigated and closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Account : XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/. See attached court decree.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my transfer was cancelled due to error on my date of birth ( that was fixed immediately ). 
They claim they tried to issue a refund to my account and it bounced back. I have been talking to several agents since then trying to figure it out the issue so we can fix and re send the refund with no clear answer. I have no proof they actually tried to send the refund. I asked but they never provided. 
The account they have on file is correct and it is the same account the money originally came out. My account is active and it was never flagged. 
They keep telling me they are escalating the issue and will have a supervisor contact me. That never happened. Today they made me enter my account information on the app ( same account was file ) saying that need that to be verified. Theirs explanation is that they have been too busy, thats the season my issue was not solved earlier ( it still not resolved ). It is been XXXX month!
Product: Debt collection

XXXX XXXX XXXX XXXX, I got admitted to this hospital in XX/XX/2022, billed was {$16000.00} and {$5400.00}. I have provided my insurance card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. That hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money.