23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A COMPANY NAMED : PORTOFOLIO RECOVERY ASSOCIATES, LLC. ( XXXX. XXXX  XXXX XXXX, VAXXXX ), ACCESSED MY PERSONAL CHECKING ACCOUNT WITH ROUTING NUMBER AND HAS BEEN EXTRACTING FUNDS FROM MY ACCOUNT WITH OUT MY PRIOR AUTHORIZATION, NO LETTER PRIOR HAS BEEN RECEIVED FROM ME, NOR I HAVE RESPONDED TO ANY PHONE CALL, FUTHERMORE HAVE B=NEVER PROVIDED MY BANK ACCOUNT NOR ROUTING NUMBER, FOR WHICH I BELIEVE THAT THIS COMPANY OTHER WAYS TO ILLEGALY OBTAIN PEOPLE PERSONAL INFORMATION .... I AM AN ELDERLY WOMAN AND I SURE THAT THIS COMPANY HAS ATTAINED INFORMATION FROM ELDERLYS WHO DOES NOT KNOW HOW TO DEFEND THEMSELVES
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION.DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYINGINFORMATION. 

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX  XXXX OR XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX never ran a claim through my insurance. I called multiple times and they said there was a " glitch '' in their system and it never was sent to my insurance company. When they finally did submit the claim it was past the amount of time for them to submit it so my insurance company denied the claim. XXXX XXXX XXXX said that since they did not submit it in the time that was required, that I did not owe the money and they would take it off my account. They took it off in XX/XX/2018 then for some reason sent my account to collections, Professional Finance Company. I explained the situation and they said I need to prove that XXXX XXXX XXXX stated they would remove this. I sent them a letter along with my statements showing that the charge was removed from my bill, this was in 2018. Now they are reporting that my account is delinquent. I contacted them and resubmitted my information but the account is still showing as adverse. 

In the documents below, it show the charge on my XXXX statement, then removed from my XXXX statement.
Product: Mortgage

Loan Depot ( NMLS # XXXX ) does not normally answer their phones and does not return a phone call. When I do get through to a live person they say they will call me back and then I never hear from them. 
This has been going on for the 8 months I've been with them. 
XX/XX/XXXX XXXX sat on hold for 15 minutes at XXXX XXXX XX/XX/XXXX XXXX sat on hold for 31 minutes at XXXX XXXX  XX/XX/XXXX XXXX on hold for 4 minutes before I was able to leave a message asking for a call back / XXXX XXXX XX/XX/XXXX XXXX on hold for 13 minutes before I was able to leave a message asking for a call back / XX/XX/XXXX XXXX got transferred to customer service and no one answered that call XX/XX/XXXX I emailed and XXXX XXXX ( Processing Assistant Manager ) who helped originally with the closing of my loan. She informed me that XXXX XXXX ( loan officer ) was no longer with Loan Depot and she would locate someone to help me. I never heard from her again.

At one point during all of this I got ahold of a XXXX at XXXX and she assured me she would get back to me. She returned my call and I missed it so I called her back a few times and she never returned my call. 

Fast forward to when my XX/XX/XXXX loan amount went up and I couldn't find out why online. Tried calling loan administration and no one answered.

To eliminate LD affecting my credit, I paid the higher amount. 

XX/XX/XXXX received a letter from LD stating I should have a refund in my insurance account and to contact my previous insurance company ( I've been with the same one for 5+ years ) and ask for a refund and then send the refund to them. I contacted my insurance company and they had no clue why I received that letter. 
I attempted to call LD which I've listed below. Note I've been calling the number on the bottom of the letter they sent. XXXX XX/XX/XXXX auto disconnected as I sat on hold XXXX XXXX XX/XX/XXXX on hold for 35 minutes XXXX XXXX  XX/XX/XXXX auto disconnected as it told me to hold for a representative XXXX XXXX  Called " insurance department '' of LD at XXXX and a very kind lady named XXXX XXXX and she told me it was for business to business calls only and she gave me a customer service number to call, then she transferred me. 
XXXX Disconnected while holding for next representative. 
XXXX I called back at XXXX and was on hold until I was auto disconnected at XXXX XXXX. 


I have attempted 3 times to have bi-weekly payments set up so I can pay off my loan faster. Each time, I took a screenshot of the completed form with all of my banking information, date to start etc. Each time a received a letter that they received a blank form from me ... ..even though I have proof. This is why I was attempting to reach them in XXXX. It's still unresolved because I gave up. 
How does a large mortgage company get away with not servicing their customers?
Product: Credit card

Longtime mortgage was sold and transferred to Chase Bank two months ago. 
Have paid my mortgage.

This week received an email from Chase thanking me for applying for a credit card.

I did NOT apply for a credit card.

I called chase, they said I did in fact have an open application.

They closed the application.

I have run credit report and do not see any other open applications.

This is shady. Chase was trying to play a fast one and now I am stuck with them as a customer because our mortgage is now owned by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are medical debts from GLA Collections Co Inc showing on all of my credit reports such as with XXXX XXXX, XXXX, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the Gramm Leach Bliley Act as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.
Product: Mortgage

I have been working on a modification with Bank of America since about XX/XX/XXXX. The loan was originally with XXXX XXXX and then transferred to Bank of America in XX/XX/XXXX. I had to go on XXXX due to an injury to my XXXX and lost my income. I am divorced so I only had my income at the time with sporadic child support payments. My loan was originally {$57000.00}. At the time I was unable tomake my payments, the loan was approximately {$35000.00} and I was paying a rate of over 10 %. 
The issue has been that I have been submitting paperwork time after time since XX/XX/XXXX! I was then denied because they said I did not have a complete file. It was a non-ending situation sending documents time and time again and the bank saying they were not receiving my paperwork. I feel like they were doing it on purpose. I have not given up because this has been my home since XX/XX/XXXX! 
Then when I was able to make a few payments, I was advised that the bank would not accept them. Then in XX/XX/XXXX they accepted a few payments, so I thought my loan was going to be modified only to find out the bank would not take any more payments and now I am over {$30000.00} in arrears. 
I again submitted more documents in XX/XX/XXXX at the beginning of the year and I was advised most recently that a modification was denied because I had too much income! I do n't believe that the underwriters reviewed it properly nor did the bank representatives properly advise exactly what was needed. My father who is now living with me, contributes to the household, but they took his whole income, which is not the case, he contributes as I mentioned to the representative a portion as he also needs part of his income for own purposes. 
This situation has been very XXXX and caused more health issues since the inception. I now owe over {$65000.00} per the bank representative and it is very disconcerting since my loan was originally {$57000.00} when I purchased it and was down to {$35000.00}. I feel like the bank has put me in this situation by waiting over 5 years to assist me with a modification and I am still waiting and now being told I have to reapply!!! When I asked for the original note, they could not find it. I also asked for a copy the balance and payments applied to my account when it was transferred from XXXX XXXX and they could not tell me since they said they do n't have the note. So how can I trust what they are saying or how much I really owe. When I call some agents say that I owe {$35000.00} and that is what I need to pay it off, and again must recently I was told that I owe over {$65000.00}. 
I do not want to lose my house over the bank 's refusal to properly review my documents and constantly losing my paperwork. I urge you to assist me in not losing my home as I was told there was a trustee sale date which I had no idea since I was in the process of the modification. I was told that this was in violation of the Homeowners ' Bill of Rights. As they are trying to foreclose while I am in a workout process. It seems that the bank is violating a lot of guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my XXXX, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the Equifax data breach.
Product: Checking or savings account

I'm having issues with Bank of America. I have about {$30000.00} dollars missing from my accounts. A couple of people at local branches lost their job or were arrested and not sure what to do. Every time I went into a branch they would run me in circles. I need help or direction in getting Bank of America to respond or filing a complaint in a formal way. .Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money was transfer from my accounts to an unauthorized email address for the total amount {$390.00}. Chime online banking is the company I bank with, I noticed the amounts was taken from my account and I called Chime to make a dispute and they denied my claim. I send screenshots from phone how my email was updated by email that wasnt my email. On XX/XX/2024 my direct deposit from my job was deposit and {$570.00} was transfer from an unauthorized email was taken from my account same incident and I made a dispute and it was denied, evidence were provided. I WAS SCAMMED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

I had a XXXX card but it hasn't been open for over 7 years. I recently noticed a collection on my report from a company claiming it was from that XXXX card. i have tried disputing the account with the credit bureaus and asking for the company to provide proof of debt. The collection hasn't been removed and i haven't recieved any verification of the debt. I would like help in getting communication from the company and getting it removed from my credit reports for not verifying the debt and trying to collect a debt that is not valid after the 7 year time period is up.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Product: Credit card

Discover Card keeps charging me interest and late fees and racking up my card. They told me the first late fee would be removed when I paid off my XXXX balance to XXXX. Long story short, they didn't do it and in a matter of months they have racked my credit bill up to XXXX all in fees and interest. It's unfair business practices, there are no purchases on this card at all and the previous balance is all late fees and previous intrest they keep racking up. I refuse to pay this bill and they need to be stopped from creating their own revenue unfairly.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date XXXX XXXX XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX and TRANSUNION but stats closed with XXXX which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to fix the inaccuracies on my credit report for years with TransUnion, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to TransUnion about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, TransUnion XXXX back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA XXXX XXXX XXXX XXXX XXXX. 

These are the following accounts that were disputed ; XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - 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, credit repair services, or other personal consumer reports

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I ordered a chandelier from a vendor and entered my credit card number. After receiving the receipt on the same day I realized it had additional information on the size and the condition that was not part of the advertisement so I immediately contacted XXXX XXXX XXXXXXXX and filed a dispute after I canceled the order. 
XXXX XXXX  XXXX did file a credit back on XX/XX/XXXX. There was an additional charge for balance adjustment on XX/XX/XXXX posted XX/XX/2023 described as Bal/Adj and a credit on XX/XX/XXXX posted XX/XX/2023 for the same amounts of {$590.00} for each entry. 
Paypal is stating I owe them {$590.00} so a - {$590.00}. 
I first knew of the negative balance when I received a credit collection agency around XX/XX/2023 and I responded to them immediately with the supporting documents. Since that time I have had multiple conversations with Paypal and they have said it is XXXX  XXXX XXXX issue and XXXX XXXX XXXXXXXX is saying it is Paypal. I will attach documents. I spoke with their representative today and for the XXXX or XXXX time I have been told they will escalate this to resolution. I emailed service@paypal.com and stated they had XXXX last opportunity before I turned them to your Bureau as I had many promises it would be corrected and have spent probably 20 hours on the phone and days trying to communicate with no response from the collection agency or paypal.
Product: Student loan

This has been an on going battle since XX/XX/2008. My compliant starts when this company ( at the time was Sallie Mae ) told me that there was nothing that they could do to help. I was laid off, and with my unemployment checks I paid my student loans and kept them current until my last check I called and was told there was nothing. I paid {$200.00} at least 4 times for a forbearance which didn't go to my loan, just lined the companies pockets. As I struggled to make my payments I would pay as much as I could month. I got a letter saying I have not paid anything so I called and asked about this. I was told the money was going into a " piggy bank '' until a full amount was reached to pay the monthly amount. That's not right. So while I was making payments they were not being applied to anything and hurting my credit and making my bill larger with penalties and late charges. After years of this going on my bill has gotten out of control that I'll never be able to get out of. I've talked to several lawyers to file for bankruptcy with no help. I got my wages garnished by some collection company that I called and we worked out a XXXX dollar payment a month which I did and did successfully so last year I filled another IBR and I got a letter saying my payments are going up {$760.00}. There's no way I'll be able to make that payment a month and this is just getting ridiculous. My school shut down, I never got a job for what I went for and student loan forgiveness doesn't help me and it's all because of this company completely ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I have no idea how or why this happened. I checked it as part of my usual routine, only to discover unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccuracies remained. I need the documents Ive provided to be thoroughly reviewed to prevent this from ever happening again.