23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I visited the Florida Hospital on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. 

Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. 

They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. 

I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. 

They changed their name from HRRG XXXX Healthcare XXXX Recovery Group XXXX to XXXX XXXX Account XXXX XXXX XXXX around XXXX. They are still continuing to call and harass me every single day. 

A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. 

This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. 

Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.
Product: Debt collection

Credence Resource Manage put a bill from XXXX on my collections account against my name. I never had a XXXX phone. My renter XXXX XXXX had a XXXX   phone and the bills keep coming to the address she use to rent off of me. She owns a church XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX, PA XXXX XXXX Some how this collection agency is now putting her XXXX cell phone bill on my credit report.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I am questioning are fraudulent and that are all unknown to me. Based on FCRA Section 605b, It is the resposibility of the Credit Bureaus to remove these inaccurate items which are not belongs to the owner. The following items needs to be removed immediately on my credit file 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 {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX XXXX : {$48.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$570.00} ; XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute earlier this yr regarding my balance showing incorrect on my report, ever since I've filed that dispute, they've illegally reported higher balances on my credit report several times. The original debt is XXXX, they've hiked it up little by little to where it is hurting my credit score. They are trying to force me to contact them when I don't have to u less I absolutely have the funds which I don't. But to keep updating my balance to a false amount is not right. It's literally been at XXXX for years since 2017 I believe and now it's going up AFTER filing a dispute. It seems like they've decided to find a way to retaliate and that's not right. If I'm broke I'm brokeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They need to fix this because it's hurting my credit no matter what.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX U.S. Bankruptcy Court Exempt Amount : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I missed one ( 1 ) payment in the 17+ year history of this account, and my credit limit was slashed from {$25000.00} to {$7800.00}. Missed payment was due to a family emergency where I had to travel out of town due to an ill member of my family. Bank of America has failed to recognize my long standing payment record, relationship with XXXX XXXX, and claims they have attempted to contact me when in reality, they have not.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve my issues with Heritage Acceptance Corporation # XXXX concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.
Product: Credit reporting or other personal consumer reports

Recently, I investigated my credit report and found several items there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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

Please remove the following items from my credit report immediately : XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report Comenitycap/Alphcos Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

Experian : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report XXXX  Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report.
Product: Mortgage

This has been ongoing since my mortgage company was switched from XXXX XXXX XXXX to M & T Bank. M & T Bank has started to harass us none stop. They also increase our mortgage for various reasons and when asked why we can never receive a direct answer. They also call our phones at least 2 and 3 times a day. The first problem started when our company was switched about 5 or 6 years ago. They immediately increased our mortgage from XXXX to XXXX and when we asked about it they stated it was a short in escrow. The threaten to foreclose our home if we didn't pay a little over 7k. After we became current for a while our mortgage maintained at XXXX, but around XX/XX/2016 after the birth of my daughter we went through a loan modification and had to pay at least 3 payments on time to receive the modification. Once in the clear we were able to go back to paying XXXX. About 6 months ago we received another letter stating our escrow was short and we would have to XXXX instead of our XXXX a month. When we ask for documentation or clarification we get told they will send it in the mail, but on numerous occasions we have not received anything. We became current by paying online and they are now stating they are not receiving the online payments. Now we have 2 different confirmations and once we tell them the confirmation numbers they state they can't pull the confirmation numbers up. It has lead to us having 2 to 4 mortgages coming out of our account and having to pay overdraft fees to our banks in regards to it. We have also asked if we could separate our escrow and they state they couldn't do it. Just recently they listed us as foreclosed because they told my wife that I was deceased, and that she will have to be removed from the house if she couldn't afford the mortgage. As of now we have paid 2 mortgages back to back and every time we get current they state we are behind again. We are confused and are asking for justice to be served. They should not be able to harass and discriminate against their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name & Number XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 States : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a human being, I have rights under 15 USC 1681.

Equifax, who is definitely goverened by 15 USC 1681 has violated my rights numerous times. I am kindly yet sternly demanding the following accountst be removed because I have the right to privacy under the law 15 USC 1681 and at no time did I give Equifax written permission to furnish the accounts listed further in this complaint. 

Accounts : XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPT OF EDUCATION OPENED XX/XX/XXXX XXXX XXXX XXXX  SERVICES OPENED XX/XX/XXXX
Product: Debt collection

XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS KEEPING A A CCOUNT ON PROFILE THAT SHOULD NOT BE REPORTED IT HAS BEEN DELETED BY OTHER BUREAUS BECAUSE OF INACCURACIES EXPERIAN CONTINUES TO REPORT ACCORDING TO FCRA ALL CREDIT REPORTS SHOULD REFLECT THE SAME! EXPERIAN IS IN VIOLATION I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION
Product: Debt collection

I paid Barclays to settle an account. They are stating they won't send me the settlement documentation for over a month. I was smugly advised via phone by XXXX XXXX ID # XXXX that despite settling the account, they will not send me my settlement letter for over a month. He explicitly said there would be no exceptions to this. OVER A MONTH. 

Initially, they kept transferring the debt from one creditor to another making it impossible for me to actually settle the account. Example : It got sent to one creditor, and when I called that creditor to pay it they told me I would need to wait 1 to 2 weeks for the account to be assigned to an agent. After waiting that long and calling back, they told me they had sent it back to Barclays. it then took over a week for Barclays to get the account in their system to they could discuss it with me. This was the 3rd time this happened. They played pinball with my debt sending it from creditor to another all over the country. This prevented me from paying on this collection for 3 months adversely impacting my credit and ability to find gainful employment. Now the delay of my settlement letter is another month of delays. I need my letter to start at a new job so I can get health insurance for my children who have desperate medical needs that I can not pay out of pocket and therefore need insurance. Barclays has drawn out this process at every opportunity despite my consistent and constant good faith efforts to settle this going back to XXXX of this year. There is absolutely no reason why a consumer should need to wait over a month to get documentation showing I have paid and settled this account. 

I am requesting my settlement letter be escalated and generated ASAP and fax 'd to me at XXXX so this issue can finally be resolved.
Product: Debt collection

I wa contacted regarding a credit card debt from 2011 by Preimum Recievables out of Huntington XXXX, California. I was told I was contacted by mail and never recieved this information. They contacted my work and my cell phone saying they were going to serve civil matter paperwork. I insisted I resolved this out of court and requested a validation of debt. They said they were not going to do that by law because they did n't have to after 30 days of contacting me. They sent me a letter saying what was owed beforehand via e-mail. After recieving that is when I asked for validation. He started argueing with me and said he would see me in court and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unidentified address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from Accounts Advocate Agency in XXXX PA but to inaccurate credit reporting. I politely informed this representative that that I am disputing the account. I requested they delete the credit reporting while under dispute. She because extremely rude and nasty and was accusatory regarding my dipsute. She also made claims that her note documentation on the account meant that my dispute was not valid. There are no parts of the FDCPA that allow a collection agency to reject a consumers dispute based on the agencies notes. The FCRA allows for consumers to dispute accounts and the reporting agency is required to validate the balance. With that being said, the money is not owed to the reporting agency so there are damaging my credit based on the word of one of their clients.
Product: Debt collection

Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )
Product: Checking or savings account

On XX/XX/2021 I made a dispute for the amount of {$35000.00} dispute claim number : XXXX On XX/XX/2021 I received a letter from bank of America stating that the claim has been resolved in my favor and they will be crediting my account for the entire claim amount of {$35000.00} on XX/XX/2021 My account wasn't ever credited with those funds and is still not credited and I can't get any answers or resolution from anyone. I don't know what to do I need some help getting my funds please
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, resulting in the addition of unauthorized accounts to my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to correct this issue. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent accounts from my credit report to restore its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account with out instrutions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports