23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sent a notice from a debt collector company named Full Circle Financial Services , LLC who is collecting a debt for XXXX, XXXX ( another debt collector ) regarding my account with XXXX. I did not realize this was a debt notice and that the notice had a dispute date that expired on XX/XX/XXXX. There was no other conact regarding this account and the debt from the second company involved, XXXX, XXXX. I did receive emails from XXXX  in regards to statements about how much was owed and that I was in arrears, thus heading for collections or in collections regarding this account. While doing my due diligence, in regards to researching the XXXX  account information and in regards to the amount that I actually owe on the account, I noticed a major discrepancy regarding the amount owed and the " as of '' date. The " attempt to collect notice that I received states that as of XX/XX/XXXX the amount that I owed was {$1400.00}, however while looking over the statements and researching those statements date by date and amount by amount, I found that the amount that I owed as of XX/XX/XXXX was drastically different from the amount on the " attempt to collect notice ''. The amount that my statement that is even close to the date of XX/XX/XXXX, is the statement dated for XX/XX/XXXX with a due date of XX/XX/XXXX and a total current loan balance of {$830.00}. The balance that is stated as the " as of amount due '' on the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX, is the current loan balace for the statement dated XX/XX/XXXX and has a due date of XX/XX/XXXX in the amount of {$1400.00}. Not only have I enclosed all the statements from XX/XX/XXXX up through XX/XX/XXXX, I have also included the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX. The XXXX statements in question and the " attempt to collect notice '' from Full Circle Financial Services , LLC collecting for XXXX, XXXX collecting for XXXX, showing the close to {$600.00} discrepincy/fraudulant amount due based off the " as of date '' of XX/XX/XXXX, are all highlighted and starred for easy accessability.
Product: Debt collection

This has been going on several months. They are trying to tell me I have a debt for a company that I am not associated with. My name was used and the owners of the company are the holders of the debt they have not been contacted because Biehl & Biehl do not know who they are and they are expecting me to give all person information. They are threatening in trying acquire information, harassing.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found several late payments this year alone on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry:XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with transunion & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies transunion, XXXX, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud
Product: Checking or savings account

Around XX/XX/XXXX, I called in to my bank to report a transaction from a company I recognized and had previously had business with, but no longer did and did not authorize the transaction. The transaction was still pending, so i could not dispute it at the time And I informed the rep I would call back to do so. I placed the Company on fraud alert the same day. But my debit card was not cancelled, being as though I couldnt dispute the transaction as of yet, I wanted to hold on to my only source of access to my money during this pandemic. On XX/XX/XXXX, I received a fraud alert text asking did u authorize a transaction in the amount of {$1400.00} from said company ( XXXX XXXX XXXX ), Mistakenly, I read the text as FRAUD ALERT so I immediately replied yes when I saw the companies name, then I actually read the text in the same moment and I replied no right away, I did not authorize the transaction. On XX/XX/XXXX the company XXXX XXXX XXXX withdrew {$3300.00} from my checking account, although I only had {$600.00} and change available. This made my account negative {$2700.00}. I called my bank to dispute it, however the company sent a fraudulent receipt claiming the charges were accurate. I sent my bank the receipt the company provided me, and I was told that my receipt wasnt Sufficient, although It was the only document XXXX provided me with. I called back multiple times after to dispute the rejection of my claim and it was denied 2 more times. I tried disputing this directly with XXXX to no avail, I even made a direct complaint against capital one. My checking account is under auto decline which I have proof of meaning no transactions are allowed if the funds arent available on top of the fact that I already placed this company on fraud alert for fraudulent activity a week prior to this incident. Capital one still allowed this company to withdraw funds and put my account in a negative standing, and did nothing to help me resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name- XXXX XXXX XXXX XXXX XXXX City and State of Loan- XXXX XXXX New Mexico Year of Loan- XXXX  Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Product: Credit reporting or other personal consumer reports

I was reviewing my report and I noticed a few errors being reported on my report. I would like you to Please review my report throughly so you can see all the inaccuracies being reported. 
Accounts in question are below. 

Account Name : XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Account Name : XXXX XXXX Account XXXX Please investigate i every piece of information is correct. if not, please remove i from my credit Account Name : XXXX Account Number. XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name XXXX XXXX  Account Number XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Product: Credit card or prepaid card

XXXX credit card with Barclays Bank was compromised in XX/XX/2022. New cards sent were also compromised. Talked to Barclays and closed the account in XX/XX/2022. Cards were still being used with my name and my address. Received emails about address changes and email changes-not mine as the account is supposed to be closed. Barclays is still trying to collect {$1400.00} from collection agency. None of this is mine. Purported purchases and cash advances were posted in New York state to a XXXX XXXX address. I live in South Carolina and know nothing of these purchases. I have frozen my credit thru XXXX, XXXX, and XXXX and they are working on this. I have talked to collection agency and they are investigating. We do not understand Barclays complete inability to resolve this. Why do they continue to issue cards when we closed our account at our address. We have complained to Barclays weekly since XX/XX/2022. I want my name and identity back. Barclay 's is incompetent in stopping fraud.
Product: Mortgage

My estimated closing date is XXXX for a condo purchase ( today is XXXX ). All throughout the month I have been reaching out to Bank of America proactively to ask for status, to push for things to get done. For the past week, I have had to push even more because they could not come up with a closing date or provide an update on when my loan can be approved, even though I provided everything they asked me to provide. They provided me with a closing disclosure yesterday without explaining the urgency of me reviewing it ; it was only when my agent told me the importance and urgency that I realized if I did n't review it there would be implications. Luckily I reviewed it before the day was over. With 2 days to closing, and with the seller pushing for a closing date, and with me not knowing my living situation as my lease is expiring and I am to move out of my current unit by the end of the week, Bank of America 's answer is on my pushing for a closing date is as follows : " I ca n't tell you a 100 % date that this will happen because we are working as fast as we can to approve the loan. I believe there is greater than a 50 % chance that the loan will be final approved this week and an extremely high chance of final approval being done next week. '' Does Bank of America expect everyone to just be flexible with their living situations ( including my leasing office in my current unit, and the next tenant to move in ) and just pick up and go whenever they decide to come up with a closing date?? No matter how many times I pointed this out to them, my statement gets ignored. They tell me they have a backlog of applications to review. If they are so overwhelmed with applications, they should not accept that many to begin with! It is unreasonable to assume that a consumer should suffer and put their live on hold because of a bank 's " backlog '', and not provide a consumer with an expected date. For now, I have had to plan to rent a temporary accommodation and put my life on hold until Bank of America decides when it is of their convenience to come back with a closing date to us.
Product: Credit reporting or other personal consumer reports

Ive been disputing quite a few collections with Transunion for a while and they keep the collections on my account saying its reported as accurate I then called the debt collections and submitted additional documentation providing the police report I filed for my identity theft along with dispute letters and identity theft.gov disputes. The debt collections have informed me they will ask the bureaus to remove this from my report verifying my claim yet this is still on my credit report. This is illegal as it violates my right to fair credit reporting.
Product: Debt collection

Upon disputing the information with the creditor, XXXX XXXX XXXX, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor. 
Account Information : -Account Name : XXXX XXXX XXXX XXXXAccount Number : XXXX -Date Opened : XX/XX/2018 I am troubled by the fact that XXXX XXXX XXXX XXXX can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus. 
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency. 
Given the uncertainty and potential for inaccuracies in the information provided by XXXX XXXX XXXX, I urge Experian to conduct an independent and thorough investigation into this matter. It is imperative that the credit report accurately reflects my financial history, and the reporting of late payments that have been resolved must be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX AS AUTH USER OFF THE ACCT SS # XXXX ACCT # XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am submitting this complaint without any influence from any third part or agency. Please see the attached document as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( XXXX XXXX XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to ARS, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. ARS responded with a letter ( see attachment ) showing only a balance and service date. ARS failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditor, XXXXa XXXX released my medical records to this third-party collection agency ( ARS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies refuse to take off incorrect information off my reports. They are violating my consumer rights and laws. 15 USC 1681 a ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Transunion credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}
Product: Credit reporting or other personal consumer reports

I have requested that Experian fix my personal infomration address that is listed on my credit report.

The current address that Experian has has been incorrect for over 3 years and they have failed to change which is below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information used on credit report inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to investigate a score discrepancy, which was the recommendation of my credit union. The representative from Equifax sold me on their " Premiere paid service '', which would give me my accurate credit score. I paid for the service and monitored my score daily, paying off more than 70 % of my revolving debt. After 30 days, my Equifax score increased to XXXX, which was more than enough to qualify for a loan. The same day my credit union pulled my report, they showed an Equifax score of only XXXX, which did n't meet the minimum score of XXXX. After talking with the credit union, they recommended contacting Equifax to discuss why there was such a drastic difference in score from the same company. They sent me copies of the report pulled and the score of XXXX, which i then contacted and sent the report to Equifax. It took 6 calls, over an hour of holding and multiple emails, just to get a supervisor and his response was " the score you see on our site, which you pay for is n't what the bank will see ''. I asked him why that was n't disclosed to me before I paid for the service and his response was sorry I ca n't help you. I feel deceived, as I was sold a service that is showing a fictitious score which is completely irrelevant to a lending institution. A credit score should match across multiple sources of the same information, whether it be XXXX XXXX, Equifax, XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All information XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX )  is reporting to the credit bureaus is inaccurate for the following reasons. (  Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Product: Credit reporting or other personal consumer reports

Hi how are you I hope all is well I'm contacting you today in regards to this account that is charged off with a balance of {$4900.00} that is incorrect this account is currently charged off so they're supposed to be a XXXX balance they're refusing to allow me to open a checkings account but this account has been charged off it is hindering me I wish for this to be removed due to this being incorrect information