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

I went to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, Florida for medical services. I had XXXX XXXX XXXX, and they paid the bill for that date of service. I received a call from a person saying he is a doctor and he asked me to pay a bill of {$350.00}, but I did not believe him because I have never received a call from an actual doctor about a medical bill. I thought it was a scam. On about XX/XX/XXXX I received a written bill from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX. I then called XXXX and explained what happened about the written bill, and XXXX researched the date of service bill and told me the bill was paid in full. I was good because XXXX the billed was paid and I had no responsibility to pay anything except my {$30.00} co-pay, which was already paid. I had to pull a credit report in the last quarter of XXXX, and that is when I actually looked in detail at my credit report and at that time I had a debt collection on my credit report from XXXX XXXX XXXX XXXX via XXXX XXXX. I called XXXX and they sent me a letter of no responsibility for me and summary explanation of benefits claim/s to send to Experian along with my statement that I was not responsible for any charges and all of the bill was paid according to XXXX XXXX and XXXX agreement. Experian would not accept my proof, so I sent all the same information to XXXX XXXX XXXX XXXX, they would not accept my proof. I called XXXX XXXX again and they got involved. They communicated with XXXX XXXX and XXXX XXXX. XXXX called me at the end of their investigation. XXXX said the billing department who filed this bill in the first place made the error and used my social security instead of my husband social security number, therefore I got charged personally instead of the correct way, charging my sponsor husband. Experian still will not accept this proof and the incorrect debt collection is still on my credit report, wrongly! When you may have no actual money, good credit goes a long way. I have filed 3-5 times with Experian disputing these charges. The charges was {$270.00} $ {$72.00} for a total of {$350.00}. I want rightfully this debt collection removed from my credit report. The mistake belongs to the billing department, not me. They should own up to it, but Experian will not budge even after XXXX XXXX XXXX has release me from their agency and provided Experian with no responsibility proof and debt collection release. XXXX XXXX
Product: Credit card

Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL.
Product: Credit reporting or other personal consumer reports

Why are these fraudulent accounts coming back as verified? I would like to hear answers soon as possible. 
Not only is my score low but it is not working out well for me
Product: Debt collection

First Consumers Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I am getting constant phone calls from a company named -forward movement recovery, daily. They said in a voice mail that they will start calling friends, relatives and work if I didn't call. I called a number listed in XXXX Louisiana. They use local areas somehow even though they are calling from somewhere else.the number wasXXXX this is Fraud. They told me XXXX XXXX and XXXX wanted XXXX. I admit, I had pay day loans, but went thru XXXX XXXX XXXX and paid the amount required to satisfy the loan. XXXX was my REP. The number is XXXX don't owe anything. I get calls at work, on my cell etc ... everyday from different numbers stating local areas I was told by the rep that even though I paid for this years ago, these companies still sell my accounts to collection agencies.
Product: Credit reporting or other personal consumer reports

wrong information in my credit report, tried to contact experian multiple timesto removed wrong reports from credit report and they won't help out, my identity has been used to open futile accounts which aren't mine.
Product: Checking or savings account

On XX/XX/XXXX my CD at BMO Harris matured and had a value of approx {$53000.00}. Website wont allow transferring CD proceeds to BMO checking account. So called BMO XXXX number on XX/XX/XXXX to ask to deposit proceeds in my checking account, but was told I could renew for 12 Mo at 4.9 %. Told them to renew. Few hours later, BMO called me; said mistake made and renew rate was 4.4 %. I ask them to honor what I was told and they refused. So told them to put proceeds into my BMO Checking acct and they said it would show up in account later that day or on XX/XX/XXXX. I wanted the proceeds as I found a bank that would pay 4.75 % on a 12 mo CD. I checked my account online on XX/XX/XXXX ; CD account was XXXX but no deposit to my checking account. Same was true on XX/XX/XXXX and on XX/XX/XXXX. Called on XX/XX/XXXX ; told them I want the $ $ in my account today. I was put on hold and then told it would not be until next business day, or six days after my CD account went to XXXX. I said that was not acceptable and insisted on talking to someone who could deposit the $ $ today. I was transferred to XXXX who said shed send an email to inquire and would call me right back but deposit would likly be next business day. No call received. At this writing BMO took the proceeds on XX/XX/XXXX and have held it for their own benefit. I have lost interest by them holding my $ plus the 12 mo Cd rate has dropped to 4.5 %. This was an intrabank transfer and should be instantaneous. BMO owes me interest for the time they are holding the proceeds and .25 % for 12 months by delaying my renewal at another bank. These people are horrible to deal with and should be investigated to determine if this how they regularly handle people with maturing CDs. XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account is not accurately being represented on my Equifax consumer report. The account is missing information and has inaccurate information. Truly and accurately express the XXXX XXXX XXXX account details or remove the account from my consumer report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX - Balance : {$17.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$17.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1200.00} XXXX # XXXX XX/XX/XXXX - Balance : {$560.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$560.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1200.00}
Product: Debt collection

On XXXX XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XXXX XX/XX/XXXX I responded to XXXX  via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, SHERLOQ Financial ( " SQ '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, SQ is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to SQ. SQ is collecting on an uncollectible debt- conveyed to SQ by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and SQ continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, SQ.
Product: Credit card or prepaid card

I was notified by XXXX XXXX XXXX XXXX XXXX ( that we pay for ) on XX/XX/XXXX that a new charge card for XXXX XXXX issued by Barclays Bank had been opened in my name on XXXX XX/XX/XXXX and {$1000.00} charged to it. I told them I had not opened it and the security service connected, with me, via phone, in a XXXX way call with Barclays Bank security to cancel the card and open a fraud investigation. 
Barclays fraud team said they would look into it and we were to file a police report ( which we did ). They gathered information over the phone and we learned the card had been opened using an address I had moved away from in XXXX after my husband died. I gave them my current address and phone number to keep me informed. I would be contacted they said. 
The XXXX investigator told me to report the fraud to XXXX credit reporting. Subsequently XXXX responded to me by letter dated XX/XX/XXXX that they investigated and determined the disputed charge and card opening were verified as an accurate charge by Barclays. ( This while they were investigating the reported fraud ). 
I contacted Barclays and expressed my surprise at their response. They said they had sent a letter that I would not be held responsible for the {$1000.00} charge, but they sent it to the address the thieves gave them, not the one they verified with my fraud report. They said they would resend it to the correct address. 
When the letter came it said only that an investigation would be opened. So I called them again and this time they said I should have gotten a second letter. Nope, they had again sent it to the thieves and not my address. They sent a new on, but it now said I wouldnt be held responsible if they determined it was fraud at the end of their investigation. 
I contacted all the credit bureaus and notified them to put a fraud alert and I locked my credit. 
Meanwhile XXXX XXXX was working with me and we sent all the documentation, police report and other stuff. Finally today on XX/XX/XXXX XXXX XXXX staff XXXX set up another XXXX way call with me, XXXX fraud investigation, and Barclays to find out what was going on.The Barclay security people XXXX and later XXXX, both said a letter had been sent notifying me I wasnt being held responsible and they had determined it was fraud. I hadnt got it because they had once again sent it to the address the thieves gave them. 
As I file this complaint Ive been told the letter clearing me will be resent to my current address. 
This card was apparently opened when a quick look at my credit file would have shown it as a years old address and not my current address, obviously no picture ID was used since Id twice moved and updated my drivers license each time, then the investigators put you through a bunch of needless work because they cant keep their files straight. I did nothing wrong. Barclays opened a charge account without checking the most obvious stuff and then I have to do all the work to clear my name. How can it be youre guilty until you prove yourself innocent, this isnt right.
Product: Mortgage

I called XXXX on XX/XX/year> and spoke with a XXXX as our mortgage payments were going from {$1200.00} to {$1400.00} where our homeowners insurance went up {$360.00} and taxes went down {$26.00}. So that doesnt calculate why we are being billed another {$270.00} additional each month. XXXX advised that our mortgage is going up as they did an analysis of our mortgage and that is where the new amount is coming from. They said we have a shortage of escrow of {$3000.00} but we have never missed a payment and she wasnt able to explain why this is being charged. We have a fixed rate so the only variables that can change is the insurance and taxes which should only be a difference of around {$28.00} each month. Im not sure if this is even legal for them to be charging us this increase.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. I have also attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency.I did not do business with the following companies. Accounts as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with this company. According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission.My information was used without my knowledge or authorization.
Product: Debt collection

I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's XXXX and Equifax accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and XXXX XXXX ''
Product: Credit card

On XXXX XXXX, 2015 I can contact Syrchrony bank regarding my care credit and they informed me that they do not have my statements done anything to tell me what I old them I have n't received payment since flat I mean that payment statements is/year and they said everything was turned over to a collection agency and see which day are not able to update my account stating that I pay them if I pay a collection agency to agency to pay Leap be able to report it to the bank they should be required to update the system and show that payment has been made without the correct information being updated accordingly this could be lead to Fraud collection agency could charge me anything they want because it is no record to that affect I think that needs to be review how to handle their investigation and make sure that they are doing what they supposed to do as a bank into the in the credit card provider.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account number XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX, charged off the debt and sold me to XXXX XXXX  credit report reflects it's an Open account that's wrong it should be closed account and without a balance as of XX/XX/XXXX that's not right. congress passed a law that allows me to request for debt to be removed. 
Thank you
Product: Debt collection

XXXX XXXX XXXX is reporting a fraudulent collection account on my credit report and refusing to remove it. I have contacted Midland via phone call on XX/XX/2018 at approximately XXXX XXXX and also followed up via USPS certified letter dated XX/XX/2018 which was addressed to the attention of XXXX XXXX in which I stated that the account was a result of ID theft and is disputed, attachments included a FTC ID Theft affidavit and a copy of the police report number. XXXX XXXX XXXX  responded with a letter dated XX/XX/2018 in which they claim that the debt is valid and requesting copies of the police report and ID Theft affidavit. This debt is not valid, I do not owe anything to XXXX XXXX XXXX, I have not entered into any agreement with XXXX XXXX XXXX nor do I have any obligation to this debt. I have already provided copies of the requested documents via certified mail and they continue with their stall tactics and harassment.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX 2 diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXX XXXX  Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXX XXXX  ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove from my credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Debt collection

On XX/XX/2022, XXXX XXXX XXXX billed me {$120.00} for services never rendered after receiving notification that I changed carriers. The phone numbers which XXXX XXXX XXXX attempted to bill me for were wholly owned by XXXX for the entire billing period in dispute ( XX/XX/2022 - XX/XX/2022 ), thus it would be impossible for them to provide the stated services. I was not under any contractual obligation, as I had already paid for all services rendered by XXXX XXXX XXXX through XX/XX/2022. 

I called XXXX XXXX XXXX customer service to dispute the bill upon receipt. Their representative confirmed that I am not under contract, that I owed nothing on any devices, and that the bill was purely for future service dates. I requested the source of legal authority to bill a consumer in advance after they've changed carriers and the XXXX XXXX XXXX representative stated it's their company policy to do so. I refused to pay and informed them that I'm disputing all charges on the bill dated XX/XX/2022. At that point, the representative stated that they'd " settle for {$50.00} ''. I declined, as XXXX XXXX XXXX was clearly attempting to collect money for services that would never be rendered. This is a deceitful and fraudulent collection attempt. I will attach documentation showing that XXXX XXXX XXXX attempted to bill for the same exact period as XXXX, whom the phone numbers and service belonged to for the entire period in question. 

Roughly one year later, I received a derogatory remark on my credit report from each of the three bureaus as reported by Sunrise Collection Agency, whom purchased the fraudulent " debt '' from XXXX XXXX XXXX. After disputing and providing the case details to each bureau, XXXX removed the derogatory remark from my credit report. However, XXXX and XXXX did not. I am contacting the CFPB to have XXXX XXXX XXXX clear the fraudulent balance from my former account with them, have the derogatory remarks removed from my credit report with each bureau, and ensure that Sunrise ( and any other collection agency ) cease and desist all collections and reporting actions against me due to the fraudulent XXXX XXXX XXXX bill.