23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I got an email saying I had a change to my credit score. I logged in to find my score had gone down some 90 points due to a new debt on my report. Some company called Paramount Recovery Systems based out of XXXX, Texas. I never received any direct correspondence from them. No phone calls, no letters, no email, nothing. I had to look them up and call them. After speaking to them briefly, I decided to call the hospital in which this debt seems to be for. I had some confusion a year and a half ago over a radiology bill from an ER visit in XXXX of XXXX, and I was able to get it taken care of through the help of the hospital and the Department of Veterans Affairs, which I have my health insurance through. I spoke with the hospital 2 days later, around XX/XX/XXXX, and they informed me that I do not have any outstanding debts with them. I further followed up with the Radiology billing department that is separate from the ER billing, and I asked what debt collection agencies they go through. Paramount Recovery is not one of them. They have never heard of Paramount Recovery Systems, and also told me they have not sent anything out to collect a debt from me. I called this suspicious debt collector back and informed them what the hospital said. The lady I spoke to was extraordinarily rude, and insisted I did not know what I was talking about. I asked her, " Ma'am, how do you know more about the hospitals billing than the hospital? You're based out of Texas, I am here in Maryland? '' Her response was " I've been doing this for 20 years, I know what I am talking about ''. Upon checking their reviews on XXXX, Paramount Recovery has XXXX stars and many folks who have similar stories to mine. This seems to me like a clear scam, and I am in the process of disputing this with the major credit bureaus so I can get my score fixed.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CITI XXXX
Product: Vehicle loan or lease

Upon reviewing my credit report I was surprised and shocked when I saw a late payment! I don't have any idea how this could have happened. The report doesn't even show a date so I don't even know when this supposedly happened. I always make my payments when I receive the statements. The statement must not have gotten to me somehow.
Product: Credit card

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report opened on XXXX XXXX of the amount of XXXX. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Vehicle loan or lease

I am a consumer with Santander Consumer USA Inc and I was trying to pay {$200.00} and they are still requesting the full amount XXXX and I only get unemployment check due to COVID 19 and I tried to speak about the payment plan they refused to take my payment of XXXX dollars
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information : Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} late payment : XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to find a fraudulent account on my credit report. This is hurting my ability to receive credit at this time I would like this account to be removed off my credit report.thank you
Product: Mortgage

Pennymac is my mortgage service provider who continues to mis-allocate my payments. 
Every month I make extra payment over required amount and I have asked Pennymac to apply the extra payment for " Principal Reduction '' Yet Pennymac continues to apply it to next payment and then put remaining into " Interest Free '' Reserve ( similar to escrow called suspense acct ).

I have called Pennymac every month for last three month asking to ensure that my extra payments are allocated to princpal reduction but company continues to ignore my requests and continues to put extra payments into pseudo escrow account and continues to charge me excess interest on my outstanding principal. This is clearly meant for them to collect more interest income while stopping consumer from pre-paying their mortgage.

What is astonishing is that Pennymac 's partial payment policy states that excess payment will be allocated as per consumer request. This policy is printed at the bottom of second page of the attached statement. Yet they aren't following it despite repeated requests
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Hunter Warfield , Inc . 
XXXX XXXX XXXX, FL XXXX Re : Complaint # XXXX Dear Hunter Warfield , Inc., Thank you for your prompt response regarding my dispute of the debt referenced in Complaint # XXXX. I appreciate your thorough review of the account and the information provided. 

I acknowledge receipt of the enclosed documents, including the account ledger, invoices, move-out charges list, and the lease agreement. However, I would like to take this opportunity to request further clarification on several points. Specifically, I seek detailed explanations regarding the nature of the charges listed in the account ledger, as I believe there may still be discrepancies that require addressing. 

While I appreciate that you have noted my request for a cessation of communication, I still maintain my position regarding the accuracy of the reported information to the credit bureaus. Therefore, I request that you provide a more detailed validation of the debt, including any supporting documentation that substantiates the charges. 

I trust that you will treat this matter with the seriousness it deserves and look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. The following accounts were fraudulently used without my permission.
Product: Debt collection

This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX ISSUED ME A 1099-C IN THE AMOUNT OF {$2700.00} ON XX/XX/year>, THEREBY EFFECTIVELY CONVERTING MY DEBT TO INCOME. THEY HAVE CONTINUED TO REPORT THIS ACCOUNT AS PAST-DUE TO XXXX, EXPERIAN AND XXXX IN VIOLATION OF FCRA/FDCPA, THEREBY DEPRIVING ME OF ACCESS TO HOUSING, EMPLOYMENT AND MEDICAL CARE. 

EXPERIAN HAS CONTINUED TO REPORT THIS ACCOUNT AS PAST-DUE IN VIOLATION OF FCRA/FDCPA, EVEN THOUGH I HAVE DISPUTED IT SEVERAL TIMES AND ASKED FOR A COMPLETE AND THOROUGH INVESTIGATION AND VALIDATION - MOST RECENTLY VIA CFPB COMPLAINT ID # XXXX, THEREBY DEPRIVING ME OF ACCESS TO HOUSING, EMPLOYMENT AND MEDICAL CARE.
Product: Credit reporting

This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Equifax credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 4 highlighted accounts which are all reporting inaccuracies to my three credit bureaus, dates are incorrect, amounts are incorrect and they are violating the FCRA by reporting these inaccuracies to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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 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: Debt collection

I received a billing statement from XXXX XXXX on XXXX XXXX XXXX. This statement was dated XXXX XXXX XXXX, and was for the amount of {$100.00}. The due date was XXXX XXXX XXXX. The statement shows the amount, {$100.00} as 0-60 Days, Current. Not past due, not Delinquent, but Current. I paid this bill, check # XXXX, XXXX XXXX XXXX in the amount owed, {$100.00}. I needed to verify what the amounts were for, as XXXX has fraudulently billed my insurance carrier ( XXXX ) for a humidifier that I never had. Unfortunately, XXXX had already paid them {$150.00} before I found out and put a stop to it. Once I was able to verify that the amounts were for my XXXX machine, I paid the invoice. I received a letter from Global Receivables Solutions , Inc. dated XXXX XXXX XXXX saying my account was assigned to them for collection. They claim the collection is for the invoice which I had just paid, that was n't even past due.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) Late payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My XXXX  whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I first checked my credit report in XX/XX/XXXX when I received a letter from a collection report ( XXXX XXXX ) for XXXX XXXX It stated that we owed XXXX on a vehicle account. This account was Paid in full for which we received a Title and congratulatory letter for paying this loan off. We then donated the auto to XXXX XXXX XXXX and gave them the title.

I sent all this information to both XXXX and Experian in XXXX  Tx XXXX. Getting no result I filed a complaint with Experian in XX/XX/XXXX. As of XX/XX/2018 there has been no resolution.

I wrote Experian a letter saying if this wasn't resolved I would consult an attorney.

Still no resolution. I hope you can help us with this problem
Product: Credit card

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Lawsuit Against Experian for Removal of Inaccurate Negative Items from Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a lawsuit against Experian for their failure to remove inaccurate and unauthorized negative items from my credit report. Despite my previous disputes and requests for correction, Experian has continued to report erroneous information that has significantly impacted my credit standing.

The following are the key issues regarding my credit report : 1. **Inaccurate Negative Items : ** There are items on my credit report that are not accurate and do not belong to me.

2. **Unauthorized Inquiries and Debt Sold Without Consent : ** There are inquiries and debts on my credit report that have been sold to third-party agencies without my knowledge or consent, and I have never signed any agreement authorizing such transfers.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in consumer reports and to conduct a reasonable investigation when a dispute is filed. Experian has failed in their legal obligations by : - Continuing to report inaccurate and outdated information despite my disputes.

- Failing to verify and validate the legitimacy of the debts and inquiries appearing on my credit report.

- Negligently allowing third-party entities to report debts under my name without my authorization.

Due to Experians failure to comply with federal laws and its negligence in handling my disputes, I am seeking the immediate removal of all inaccurate and unauthorized items from my credit report. Additionally, I am requesting statutory damages for their violations under the FCRA, as well as any legal fees associated with this case.

I request the CFPB to intervene in this matter and hold Experian accountable for its non-compliance with federal regulations. Please advise on the next steps I should take to move forward with this case. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Bank account or service

Chase has new ATM machines outside that can give money in 5, 10, 20 's etc, with these new machines they have automatically linked all of a customers checking accounts to be accessible from the ATM when only one account is setup to be accessed from the debt card. 
This was confirmed by branch manager that Yes only have one account linked to my Debt Card, but when accessing my accounts with one of the new ATM machines all the checking accounts show up. This should have never happened like this. 
I as a Customer manage my accounts and keep limited fund in the linked account just incase there is some type of fraud, or card stolen or what every might happen. 
Would like to know when this will be fixed? 
Reported to a local Chase Branch over 30 days ago, but yet issue is still there. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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