23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off a medical bill last week to XXXX XXXX ( the only debt that I know of which I owe ). This week I started getting calls from another collection agency called Ability Recovery Services LLC. XXXX located in Pennsylvania. I tried calling them back this morning twice and the call will not go through. I called a friend right after to confirm that my cellular service was working, and I can confirm that it was, so I have to assume that Ability Recovery Services LLC is not taking inbound calls and / or is a scam.
Product: Credit reporting or other personal consumer reports

This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I reached out immediately to progressive because I noticed derogatory mark on my credit file. 
XXXX XXXX from progressive told me in XXXX| had a balance of XXXX | was not aware because my policy was renewed XXXX years and it was never mentioned to me about a XXXX. I'm currently with progressive today and XXXX on my auto policy. XXXX enroll in automatic payments if I was inform or sent a current email about the balance I would have paid immediately. I was told by XXXX from progressive that it was overlook during XXXX pandemic. I spoke with agent XXXX from collection XXXX XXXX XXXX and paid amount in full immediately with XXXX and she also said she would put in a request to the credit bureau to remove derogatory mark from credit file.
Product: Credit card

I paid my credit card bill in full three days after the due date. I was charged interest, and then paid the next month 's bill in full before the due date. However, I was charged interest a second time despite having paid the balance in full twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account * 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  N A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/year> on my Chase checking joint account with my partner, there were two auto-pay withdrawals for my joint credit card on XXXX XXXX XXXX Not only should there have just been XXXX payment, but this also caused the ledger to be incorrect simply in terms of addition and as a result we are missing {$500.00} from our bank account. 

Here are the relevant line items on our checking account to demonstrate the issue : [ XX/XX/year>XXXX XXXX XXXX, Charge : - {$140.00}, Balance : {$5700.00} ], [ XX/XX/year> XXXX XXXX XXXX XXXX, Charge : - {$1100.00}, Balance : {$5800.00} ], [ XX/XX/year> Chase Credit Card Payment, Charge : - {$4.00}, Balance : {$7000.00} ], [ XX/XX/year> XXXX XXXX XXXX XXXX, Charge - {$1100.00}, Balance : {$5800.00} ], [ XX/XX/year> XXXX XXXX, Charge : - {$1.00}, Balance : {$7500.00} ] ( Note the order of these charges is reverse chronological when you read from the top ). 

If you look at the balances, you can see that they are incorrect. The math on even just one of the transactions is incorrect : {$7500.00} - {$1100.00} = XXXX but the balance goes down to {$5800.00} ( this is the first XX/XX/XXXX transaction ). Then the balance jumps up to {$7000.00} after a charge of - {$4.00} which doesn't make sense ( why would the balance go up with a deduction? ). Then the duplicate XXXX charge happens. Transactions afterwards are correct but the balance moving forward is incorrect. 

Because of that first incorrect transaction, I'm missing {$500.00} from my account and it still has not been resolved. 

I noticed this about a week after the transaction. I checked XXXX XXXX online and called them and confirmed my credit card was only paid once despite there being two charges. 

On XX/XX/year> I went to my local branch and spoke with a very helpful representative who was on the phone for approximately 2 hours trying to get this resolved for me with her back office. At the end of the two hours, she filed a form detailing the issue. Since then, she has been following up with the escalations department every week but there has been no progress made on their end to restore the {$500.00}. 

On XX/XX/XXXX, they reversed the payment to XXXX XXXX but since the balance after the first transaction wasn't calculated correctly to begin with, I'm still missing {$500.00} from my account. They effectively charged me {$1600.00} and then gave me back {$1100.00}. 

As mentioned, I have been in contact with the bank representative via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to get this resolved. She has been as helpful as she can but the back office is being incredibly unresponsive. 

I have attached the XXXX XXXX transactions, the Chase checking account transactions, and my email correspondence with the Chase representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

I took out a {$5000.00} dollar loan at XXXX XXXX XXXX XXXX and XXXX in XXXX NY The school was closed and went into bankruptcy. I called and the company told me they would take it off my credit because the information was incorrect it said I took out two loans instead of one. I do not owe any loan because the school was closed.
Product: Debt collection

Midland Funding, LLC aka Midland Credit Management is garnishing my wages for a time-barred debt that is no longer legally collectible and has not been legally collectible for some years now. I don't normally print out my paycheck stubs for work. When I did, I see that they are garnishing my wages and have been. Looking at my paycheck stubs, they stopped collecting and started back garnishing again. This illegal practice has now put me in a financial bind. I do not owe them anything and would like all of my monies rightfully returned to me. This company has already threaten me recently with a notification on their correspondence stating, " The law limits how long you can be sued on a debt. because of the age of your debt, we will not sue you for it. If you do not pay the debt, Midland Funding, LLC may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I interpret it as their company will continue to attempt to illegally collect on monies not owed and continue to negatively affect my credit score and livelihood until I pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and saw accounts that I am not aware of, These accounts should be deleted from my credit report since this is a violation. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.
Product: Credit card or prepaid card

On XX/XX/2022 I received an email from Bank of America that my credit card application had been received. The problem is that I never submitted an application in XXXX. I looked on my XXXX credit report and found that someone had applied for an XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX using my personal information. I immediately contacted Bank of America to let them know, they said they would monitor the situation and recommended that I report the fraud. 

I have reported the fraud to XXXX and now I'm submitting my complaint about it. 

I did get my own Bank of America credit card at the end of XXXX, so there will be another application that was approved in 2022 on my credit report.
Product: Mortgage

In XX/XX/2016 I requested help ( loan modification ) through the HARP program with my mortgage company, Ditech. The modification they did did not help at all. It did not lower my payment or interest rate. All they did was add 10 years to the life of the loan. Now, instead of a 30-year loan I have a 40-year loan. NOTHING else changed. In what universe is that a modification?

I just thought that was the best Id get until the monthly payment was really becoming a very serious problem. Ditech just advised me to sell the house an move on, so I hired XXXX. They did their best, but Im now told that Ditech has stood firm and that their stance is that Ive already had a loan modification and am not entitled to another.

Is there anything else that can be done? Is this action even legal under HARP?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.
Product: Money transfer, virtual currency, or money service

I kept calling to no avail and my information was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about TransUnion 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), TransUnion is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that TransUnion provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from Transunion, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting XXXX ) XXXX XXXX ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years! 

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting
Product: Payday loan, title loan, or personal loan

- CashNetUsa sent me sent me an email on XX/XX/23 for me to access a Line of Credit statement that they represented I'd taken out with their firm. I have never applied nor received a loan from this firm, never would, nor provided them with my approval and personal information. 
- They continue to send me emails attempting to collect on this either bogus or fraudulently obtained debt with their firm. 
- The most recent email ( received today XX/XX/23 ) indicated a payment amount due of {$170.00} on line of credit # XXXX for customer # XXXX referencing my name and it was sent to my personal email address. 
- I contacted them via phone today and informed them that this is a bogus/fraudulent transaction, to discontinue contacting me, and to delete and destroy any personal information they have on me at their firm. I refused to provide them my personal information, despite them asking for my SSN #, and other information. 

This firm fails to comply with privacy protection rules, know your customer laws, customer identification/validation, and is attempting to collect on an illegitimate debt and is facilitating fraud and identity theft in doing so.
Product: Debt collection

this company is stating that I owe them money and its on my credit but I do not have a contract with them. This account was also on my ftc report and I've disputed with the credit bureaus
Product: Credit reporting or other personal consumer reports

I have two credit card accounts with XXXX XXXX XXXXXXXX. 
I had paid off one early and requested the bank to transfer the payments from the paid-off account to the account with an active balance. 
XXXX XXXX XXXXXXXX failed to do this ; instead, they misapplied the payment of the balance-maintaining account, failed to correct it, and misreported that I had missed a payment or two when in fact I have made regular and timely payments via ACH from an external bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : UNLAWFUL INQUIRES
Product: Credit card or prepaid card

We purchased home appliance set in XXXX from Home Depot on a promotional month plan for their credit card. We were paying it off in full during the promotional period. 

In XX/XX/XXXX, we made an additional purchase, and the online portal for Home Depot made a clear statement that the balance of our current purchases were eligible for a new promotional rate again ( XXXX interest ). We accepted this promotional rate, and adjusted the payments we otherwise would have made. It did not say anything regarding what would happen to accrued interest on the original purchase, clearly appearing as a balance carry forward without penalty. If it had been in anyway made clear this balance would be subject to penalty as part of their promotional efforts, there is absolutely no chance we would have amended our payments. 

In XX/XX/XXXX, Home Depot then charge us the full interest on the appliance purchase despite clearly marketing to us that this was a promotional rate for the full balance. To date this is over {$1000.00} dollars. 

It's clear from payment history that we changed out payment with the new promotional offer to reflect what was communicated online by Home Depot. We continued to make regular payments, without notification our outreach from the company other than expected monthly emailed bills, for which we had no reason to suspect interest accrued. Home Depot has been charging us interest since XX/XX/XXXX. 

The attached document below includes email confirmation for my Wife ( XXXX XXXX ) on the new promotional offer, Home depot 's standard promotional language, and the change in payments reflecting the date of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was opened without my knowledge or consent. I was able to get the credit card company to close the account, but evidently, there was a {$40.00} annual fee on the card and the company reported a missed payment to TransUnion, which dropped my credit score by XXXX points. In addition, the " late fees '' have increased the annual fee on the card to {$81.00}. 

The credit card company is XXXX ( contact information below ). I have called their customer service line four times now with no resolution. I have filed two disputes with TransUnion also with no information other than that TransUnion finds the account to be valid. 

I have also called XXXX XXXX Bank and they were not able to help because they say that XXXX is one of their " digital partners '' with whom they do not deal directly in cases of fraud. 

I do not know what the account number of the credit card is, because I never received a card, nor have I received any account information from Prosper either electronically or via the US mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX
Product: Credit card

American Express ( AMEX ) and XXXX had a join promotion under code XXXX from XXXX to end XXXX 2016 for free airport XXXX ride. 
We took the ride on XXXX from XXXX XXXX airport cost {$34.00} charged under my AMEX card. Under the above promotion, AMEX is to credit full {$34.00} to my American Express Card. However, AMEX refuses to issue the credit to me. I have disputed with AMEX but they close my dispute without proper explanation. I complaint through XXXX too, and AMEX simply replies that it is XXXX responsibility to issue the credit ( if that is the case, AMEX has the responsibility to assist my dispute to begin with but AMEX did not. 
I am seeking your help on this matter. AMEX should honor its joint promotion with XXXX and issue me credit of {$34.00}, and issue credit to all other XXXX drivers under this promotion.