23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I was involved in an auto accident. I was rear ended while sitting in the turn lane waiting to turn. It totaled my truck. I went to the hospital did everything I was supposed to do. The XXXX XXXXXXXX XXXX XXXX contracted me. Gave me a claim number to use for all of my XXXX  care needs. I was told that all my bills was paid. Then later on I started getting a bill from the XXXX. I was thinking it was a mistake because I didnt owe anything and was told by XXXX XXXX XXXX all my medical bills was paid. So then I went to the billing department to find out whats going on. A lady told me that she couldnt get in contact with the insurance company. She said she called and left voicemails. And no one responded. I asked her did she mail a certified letter to them. She said no. Well this is a well known insurance company who also have a corporate number. So she told me since she couldnt contact them. They just put the bill on me. Which isnt right! I gave XXXX XXXX XXXX XXXX the claim number when I went to the XXXX. So how is all my other bills are paid except for this one? And I was told by the XXXX XXXX XXXX XXXX  that it was? Now XXXX XXXX XXXX XXXX has giving it to Mid-South Adjustment Co. , Inc. Ive disputed it. And they say I owe it. I received a letter from this today ( XX/XX/XXXX ) according to some of the letter. Mid-South Adjustment says According to our client they did reach out to you and your insurance adjuster how could they reach to the adjuster when it says they couldnt contact them?. Then it says Our records indicate multiple calls were made and statements was mailed also. Multiple calls wasnt made to me so who received the calls? They have the adjusters name on file. What does this have to do with me? Have they tried this hard to contact XXXX XXXX XXXX XXXX? How come XXXX XXXX isnt listed with me. This was a wreck that happened that wasnt my fault. Contact the at fault person. Because how can you make me pay something just because you cant get in contact with a WELL KNOWN INSURANCE COMPANY? I want this fictitious lawsuit dropped and repair my credit report and do not contact me about someone elses debt. You have the names, the insurance company, the information that says it wasnt my fault, and you didnt contact them with a certified letter. I even called and left voicemail. And no one responded nor returned my calls. When I found about this. Contact XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or the XXXX XXXXXXXX XXXX. Not me! Ive done my part. And just because you cant reach someone doesnt mean you put it off on someone else. Its already bad enough that Ive lost a lot due to someone elses negligence and now yall want me to lose again due to yall negligence of not contacting the right people for this matter.
Product: Credit card or prepaid card

In XX/XX/2018 I ordered and received six bottles of XXXX beverage product at a cost of {$200.00} and I paid with my Discover Card. The order was delivered by XXXX. It weighted 24 lbs. 

Discover Card charged me {$1000.00} for this order. I disputed the charge ( Dispute case number XXXX ). I provided the XXXX  proof of the shipment weight and details about product itself. A {$1000.00} of product would have weighted 120 lbs. Discover Card will not tell me what they claim I purchased for {$1000.00}. 

I called the vendor twice and they orally admitted the mistake and promised to correct it. They did not correct it. I wrote to the XXXX legal department asking for a correction. They did not respond. 

Discover Card has threatened to ruin my credit ( FICO ) score which is now XXXX.
Product: Consumer Loan

From XXXX XXXX to XXXX XXXX, my husband was XXXX ill in the hospital and then eventually XXXX ( XXXX ). At one point, he had XXXX, almost died, and was put into XXXX for 8 days. I did nothing but live at the hospital and go home once a day to shower. A friend even came and kept my dog for about XXXX weeks during this timeframe. I was not looking at a computer or a calendar. Once things began to improve and my dog came home, I was walking her one afternoon ( XXXX/XXXX/XXXX ) and noticed that I had a voice mail. It was Infiniti Financial Services and I had missed the payment. This is my XXXX vehicle lease with Infiniti Financial Services, back-to-back. I had never previously missed a payment or paid late on either lease. I did not get anything by mail or email to warn me of this, just a voice mail on my cell phone from a random number that I could n't identify, thus no rush to check the voice mail. By this time, I 'm about to be late on a 2nd payment, so I was 30 days over on the first one. While on the phone that afternoon with Infiniti Financial Services, XXXX/XXXX/XXXX, I paid the amount owed in full for XX/XX/XXXX and XX/XX/XXXX ( 2 payments plus a late fee ), {$1200.00}. They seemed shocked that I could pay it in full. Eventually, they still submitted it to hit my credit report in XX/XX/XXXX or XX/XX/XXXX ( ca n't remember ) and I contacted Infiniti/Nissan Finance and told them the horrible family situation I had been in, it was n't that I could not pay, I was just extremely focused on another matter and had no reminder at all to pay it and it never crossed my mind. I asked could they please review it. They said they would pass it to the appropriate department and that I would get a phone call for discussion or an email notifying me of the decision that had been made. I never received anything and it is still on my report, so I called them in XX/XX/XXXX and they just said they reviewed it and the circumstance did not warrant the removal. So ... ..10 months before my second lease will expire where I 've made all previous payments on time ( and all payments after this occurrence ) ( almost 6 years ) AND when I found out I had missed this one I immediately paid in full, in a situation where my husband was so XXXX ill he almost died, they sent no reminders either via email or regular mail and left one voice mail from a number I could not recognize, they will not assist me in getting my impeccable credit rating back. As we all know, a 30-day late will drag my score down for a VERY long time, and we know they can fix whatever they are willing to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both XXXX  and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts and inquiries resulting from this breach.

Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Name - XXXX XXXX  Incorrect Name - XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have applied for a Home Affordable Mortgage Program ( HAMP ) with Nationstar several months ago and have continued to make payments on my mortgage however Nationstar has delayed addressing my HAMP application and continually requests documentation that is not relevant to process my application. I wrote Nationstart long before I had a problem making payments on my mortgage after I lost my job and warned them that I would have problems due to a loss of income. I have provided documentation requested in the HAMP application process and have repeatedly followed up to request the status of my application however I have not gotten a response on the status other than requests for information that is unrelated for approval. I have looked on my account and no longer see the documentation that I submitted through there online application process but have emails with the documentation that I provided. I feel like Nationstar is giving me the run around because I have a huge amount of equity in my house and would rather take the home in foreclosure if I ca n't pay as opposed to processing my HAMP application and taking a reduced mortgage payment. I have owned the home for 13 years and have never had a problem making payments until now. I only ask for fairness and due process for my HAMP application. Lastly, I have put my home on the market, as of XXXX 2015 and expect to receive a reasonable sale price if given the time. My home is quite expensive, especially in the Rhode Island market, and will take some time to sell but the HAMP program will allow me to make payments until the home is sold.
Product: Credit card or prepaid card

Genesis FS Card Services said I opened a Destiny XXXX Account earlier this year but I never opened the Account
Product: Credit reporting or other personal consumer reports

I have done an investigation on my credit report and found several items listed on there to be inaccurate. I have filed a report with the FTC and I have sent 7 certified letters demanding these inaccuracies be deleted from my credit report and they still have not been verified or removed.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have attached the FTC report and document highlighting the inaccuracies. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility and I trust your agency will handle this with the necessary diligence. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a data breach on my credit report back on XXXX of 2017 were my credit and social security number was on the black market also people used my information with out my permission.
Product: Money transfer, virtual currency, or money service

This complaint relates to Suntrust Bank ( now Truist ), XXXX XXXX Bank ( correspondent bank for XXXX in the XXXX ) and XXXX. On XX/XX/XXXX I visited the XXXX XXXXFlorida office of SunTrust to initiate a wire transfer to XXXX XXXX XXXX XXXX XXXX in the XXXX in payment for a contract with a due date of XX/XX/XXXX. The wire was in the amount of {$12000.00}. The wire was not delivered in a timely manner and I subsequently contacted the company representative who processed the wire. He initiated a trace. My contract was now in jeopardy. Numerous emails later including to the Office of the Chairman ( which has not been responded to to this day! ) the company refunded my fees and contacted the recipient in the XXXX to confirm my having sent the funds. A referral to the supposed XXXX XXXX XXXX resulted in no action taken, I have been promised action that has not materialized, hung up on and ignored by every party at SunTrust with the exception of the gentleman who initiated the wire in XXXX XXXX. I had asked the funds to be returned to my account so that they could be sent though other channels which have subsequently proven to be much more effective and at significantly less cost. This never happened. 

THE FUNDS WERE FINALLY DELIVERED TO THE RECIPIENT ON XX/XX/XXXX! This is fully a month and a half after the wire was sent. I have yet to receive an explanation as to exactly why this occurred from any party. 

I can provide an extensive email string related to my attempts to resolve this matter with the company.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit and I show these accounts are still revolving. I already checked with transunion and disputed the following account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these accounts
Product: Credit reporting or other personal consumer reports

No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. XXXX sold to XXXXXXXX XXXX XXXX for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An ATT account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on XXXX XXXX. I can not afford these phones that are XXXX of dollars. I live in a XXXX XXXX. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. AT & T is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.
Product: Credit reporting or other personal consumer reports

I am attaching the following bank accounts for your review my iinformation was exposed in a XXXX XXXX data breach in XXXX and I today when I verified my credit report I have this accounts.I have these credit accounts that I did not acquire. This greatly affects my credit report and I need your help to have this removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

According to 15 U.S.C. 6801-6809 the law clearly states " requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my credit Karma account, and while I was online, tabs that are to show my accounts, data etc actually showed accounts that were not mine. I couldn't see my mortgage, loans or credit cards I currently have. I actually saw a completely different set of accounts. As if I were in someone elses account. With the cyber breach most companies have had, I'm really worried their system has been hacked or is incorrectly displaying my data to someone else as I got to see someone elses accounts, data etc all via my normal access that I use to log into credit Karma. I'm worried someone else is going to be able to see or worse, use my data. Please review asap!!!
Product: Credit card

I have been charged by a transaction for a lodging service I never received. In terms to solve this issue, I opened a dispute with my Credit card provider, JP Morgan Chase, and followed their instructions. After I provided everything concerning this case, including mailing by post office to Chase the docs that prove I never could make this hotel reservation, Chase has decided to position itself in favor the merchant instead to defend my interests as their client. So Chase has communicated me that they have decided to charge me with this transaction anyway.
Product: Debt collection

Kason Credit is attempting to collect on a debt which was supposed to be paid by my health insurance, XXXX. The amount, {$830.00}, was paid prior via money order, sent to creditor directly, copy of which is not available. Kason is the second collection agency attempting to collect on this debt, a prior collection agency, XXXX, appears to have sold account to Kason. I requested Kason ceasse and desist in a prior complaint, did not acknowledge request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the status and amount of a mortgage  for a home I sold in XX/XX/XXXX inaccurately.  They are reporting that the home was foreclosed and I am attaching evidence that this is false via the payoff letters I received from both lien holders.
They are also reporting an incorrect loan amount of $XXXX.  This loan was originally originated with XXXX  in the amount of approximately $XXXX.   
I have tried disputing this with the three credit bureaus in addition to calling XXXX so they could research this issue.  They have been unable to provide documentation to support this loan balance nor have they shown any goodwill made any attempt to update .

CIT BANK XXXX
XXXX XXXX XXXX XXXX, MI XXXX 
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL
REAL ESTATE
MTG
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
Last Payment Made: XX/XX/XXXX
High Balance: $XXXX
Pay Status: >Account 120 Days Past
Due Date<
Terms: $XXXX per month, paid Monthly
for 30 months
Date Closed: XX/XX/XXXX
>Maximum Delinquency of 120 days in XX/XX/XXXX and in
XX/XX/XXXX<
Remarks: >SETTLED-LESS THAN FULL BLNCACCT PAID,FORECLSR STARTED<
Estimated month and year that this item will be removed: XX/XX/XXXX
Product: Mortgage

I brought my account current with Freedom Mortgage ( po box XXXX, XXXX, CA XXXX ) on XX/XX/XXXX before filing for Bankruptcy. On XX/XX/XXXX, I realized I could no longer make online payments so I mailed XXXXXXXX XXXX mortgage payment of {$690.00} that day to Freedom Mortgage. 8 days later, they issued an Escrow assessment increasing the payment due to {$690.00}. They also stated that was the amount due for XXXX. XXXXXXXX XXXX mortgage payment was not applied and still my payments are showing past due despite making payments timely. There is also a disconnect between when they receive my payments and when they are reflected in the payment section. Also, they added {$950.00} as being due immediately for fees in connection with my filing bankruptcy without providing proper notice before adding the fees to the account. My payments have been made as follows : XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - ( just spoke with Freedom and they told me they had not received the payment ) payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX In XXXX, they informed me that I had to pay the {$5.00} difference so they could apply the payment and correct my account but it is still not corrected despite making payment. 
If I had not been in bankruptcy, I would be in foreclosure now because of their inaccurate bookkeeping. 

I am glad I checked my account online as they have raised my mortgage payment yet again with the new payment due in XXXX thankfully.
Product: Credit reporting or other personal consumer reports

According to the irs an unpaid charge off is income and income can not be reported on a credit report. I am requesting a 1099c ( a collection of debt ) from the following accounts listed below. 
XXXX XXXX After checking my most current report the most updated information stated that the account was purchased by XXXX XXXX XXXX XXXX This account ( XXXX ) can not report on my credit report if the account was sold to another lender. 
Please send the 1099 C form.