23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paragon Revenue Group Hit my credit on XX/XX/XXXX and I had no knowledge of the account. It wasn't until I called the debt collector that i found out that they were collecting for " XXXX XXXX XXXX XXXX XXXX For a date of service of XX/XX/XXXX that i gave birth to the my daughter XXXX XXXX. The debt collector case worker " XXXX XXXX '' that is assigned to me was very rude to me after i tried to explain to her that I have Medicaid health insurance at the time told me it was my fault and she did not want to hear me but wanted to know how did i want to pay the debt? Which prompted me to call the health insurance XXXX XXXX XXXX XXXX VIRGINIA XXXX who stated the claim was denied because it was not filed in a timely manner. The claim should have been filed under my insurance that follows my newborn from birth to 2 months of life according to my insurance and they did not file to my insurance directly but to my daughters insurance and not in a timely manner. The insurance advised me to file a complaint with medicaid because i am not at fault and the hospital is trying to balance bill me which is not legal and correct since they were the ones to make the error. I have called back to the hospital billing department who advised me to deal with the debt collector and that a supervisor will follow up if more information is needed but have not received a call. The provider also never notified me of a denied claim neither by MAIL OR PHONE so i was not aware of the claim being denied until the debt collector reported to my credit. I also did not receive any debt verification from the debt collector or any collections notification regarding any debt before reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 


Name of Account Type of Item Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with 2 different balances of high credit.

3. Account is reporting with 2 different dates of last activity.

4. Account is reporting 3 different dates of last payment.

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same.

Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report.

Please do not update or verify this information again without doing a due diligence investigation.

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary.

I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request.

Thank you for your assistance in this matter. 

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

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 the information is inaccurat
e.
Product: Debt collection

On XX/XX/2018 I went online to acquire a short-term payday loan. Mypadayloan.com phoned me in minutes of hittingbthe send button. The rep from that company disclosed the terms of the {$500.00} loan. I would pay {$120.00} for 6 pay periods and on the last payment, I would be charged an additional {$150.00}. I signed that contract that day. When I went to print the contract, there was a different contract with different terms of which I didn't sign. I called the company on Monday, XX/XX/2018 when the funds were disbursed into my account bringing to their attention those weren't the terms that were disclosed to me, and where was the contract that I signed. I was assured not to worry that {$120.00} Would be deducted by ACH from my account. The first payment was to be withdrawn from my account on XX/XX/XXXX. On XX/XX/2018, there was a check that MYPAYDAYLOAN had devised to withdraw {$150.00}. I immediately called them and stated those weren't the terms that I agreed to, and was told because I didn't call two days prior, there was a late fee added. This is when the dispute started. This company started to call my place of employment of which I clearly stated upon initiation of the contract, to not contact me there. That request fell upon deaf ears as they called me two more times at my place of employment, and I had to tell them that I would file a complaint with the attorney general 's office if they called my job again. I'm going through some dire financial problems and informed them of that by sending several emails. Two or three times per day, a different person would call from different phone numbers representing this company. They called me so much that one day at my job, I began to sob uncontrollably due to the stress MYPAYDAYLOAN had inflicted upon me with the numerous calls. I told them in good faith they gave me the {$500.00} and I did want to settle but on the original terms. I've paid them {$150.00}. They are saying I owe them an additional {$1200.00}. I then began to investigate their company to find they are scam artists. They told me they have sent all this information to my credit files, as well as to XXXX, whereby preventing me from all check writing. No scam artists should have the ability to ruin a consumer in such manner. Your prompt attention regarding this matter is greatly appreciated. 

Kind regards, XXXX XXXX
Product: Checking or savings account

I contacted CapitalOne 360 Bank around the XXXX of XXXX. I had originally contacted the merchant and told them I needed the amount they were going to take out of my checking account ending in # XXXX lowered because my health insurance company took out a much larger amount of funds than was originally anticipated. The merchant said they would notate my account but couldn't stop it at that point. So, I contacted Capital One 360 and put a stop payment on the {$300.00}. I spoke to more than one individual there. I noticed that on XX/XX/22 late in the day that the funds were taken out of my account leaving me in the negative. I immediately contacted Capital One360 and was told I needed to file a claim on this. I told them I need those funds back in my account immediately. They said I would have to contact a different department the next day and ask for an immediate provisional credit. They stated I should have no problem getting an emergency provisional credit. The next day I called and spoke to customer service again and finally was transferred to supposedly a department who could help me. The customer service agent was not helpful and kept quoting me 10 days. I said I will be getting another deposit of {$200.00} in my account which I need for my car insurance, etc. I could not have them jeopardize these funds because I could lose my coverage. I ended up asking for a Manager. A Manager by the name of XXXX XXXX ID # XXXX responded. She was very rude and abrupt from the very beginning. I am a Senior living on a fixed income and I explained the situation to her thinking she would help me. 
I told her I had a stop payment on the {$300.00}. This XXXX was hateful. She quoted me a federal guideline number stating that she could do nothing to help me. What???? I have Never had anyone talk to me like this before. She stated she would not help me and I would have to wait and she didn't feel I was eligible for a provisional credit. Unbelievable!!! This woman XXXX should Not be in her current position and dealing with the public. She offered no assistance whatsoever. What I said and my having placed a stop payment meant nothing!!! I told her I would report her and she did not care. 
I like doing business with this bank and have never had any problems before this. I believe the problem lies with this XXXX, XXXX, rather than with the bank itself.
Product: Credit reporting or other personal consumer reports

I have attempted to resolve inaccuracies on my credit report by submitting disputes to XXXX, XXXX, and Experian, but they have failed to address the errors. The information remains incorrect, and I have not received sufficient documentation to verify the validity of the reported accounts. 
The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the XXXX response time for investigating disputes, which was not followed in this case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as the credit bureaus did not conduct a proper investigation or provide evidence supporting the accuracy of the information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has continued to appear on my report without proper validation or notification of reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2 and 15 USC 1666B View attachments below
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c
) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in regards to disputing wrong information on my credit report. They are reporting name, addresses and phone numbers I never had nor authorized. Please I need this items deleted off my credit report. I asked to delete XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ma XXXX.
Product: Debt collection

I sent a letter ( XX/XX/year> ) asking for verification of collection of {$260.00}, then waited for 30days. In which I received my dispute back that was labeled return to sender and no answer from the collector when I called to see if they existed. So I contacted XXXX ( XX/XX/year> ) telling them that it wasn't verified, so they need removal the false information that is reporting to my consumer report and third party consumer reporting agencies, and that they had 30days to response especially since its inaccurate to my other consumer reports. Also I have never had the service before nor have I sign anything with the third party debtor before. In which I then informed the third party consumer reporting agencies alerting of them of the non accurate information reporting to my consumer report stating the violations of furnishing inaccurate information under the CFPB. On XX/XX/year> I responded to the third party collector and the attorney office with a detailed letter violation of the aggravated Identity theft under consumer law 18 U.S.C 1028 and 15 U.S.C. 1681 Responsibilities of furnishers of information to consumer reporting agencies. then father explaining how the inaccurate information is affecting me and my families livelihood. Plus that I expect the issue and inaccurate information removed from all third party consumer reporting agencies with in the next 10 business days and all damage repaired.
Product: Debt collection

Premiere Credit consistently calls more than 5 times a day. I have asked them to limit the calls until after business hours ( after XXXX hours ) and to limit the number of calls. Also, this collector has attempted to contact me at work and has been asked numerous times to not contact me at my place of employment. I understand that I owe a debt and have attempted to reach out to this organization using their online services but for some reason online services doesnt seem to communicate with the company.
Product: Credit reporting

Currently, I have what is listed as a delinquency of 3 months on a bill of {$27.00}. I do n't recognize the company, nor do I recall incurring any bill. My credit score at the time this delinquency showed up as a collection was XXXX. In a week, it has dropped down to XXXX. I finally got a reference number for the supposed collection agency. I contacted them, and even though it was not my {$27.00} bill- I paid it. I pay off my credit cards all the time- I do n't forget bills. Meanwhile, when I deal with Experian ( I have credit monitoring through them ) - they say there is nothing they can do. I will have to wait XXXX45 days to get this removed from my report. But, my score continues to be recalculated lower, week by week, even though I have done nothing wrong. At the same time, I just received a job offer, who, of course, requires a credit check. This will appear on my credit report as a delinquency. But, Experian wo n't remove it, and the company I dealt with to get this removed may or may not contact the credit bureaus- I do n't know. Supposedly, they were going to do so, but have n't done so. So, I have derogatory information on my report- Experian says it is not their problem, and can only send a letter to have someone respond. If they get no response, then they will remove it. What kind of policy is that? If they hear nothing- they will take it off. But, meanwhile, I feel the impacts of something that I did n't even do! It 's so frustrating. This issue does not show up XXXX, but I am frustrated beyond belief with Experian. And, Experian also will not show or erase any of the history of my credit score constantly going lower over the next several weeks until this is resolved. So, I look like I have bad credit when I do n't. I look delinquent when I am not, and I can not seem to get an answer or find anyone who will help me.
Product: Debt collection

Company is trying to connect a debt not owed nor do I have knowledge of. My information and identity has been used improperly.
Product: Debt collection

Received a call on XXXX XX/XX/XXXX from an agent from Financial Recovery Services, a debt collector, claiming that I owed {$810.00} for a " XXXX '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least XXXX years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.
Product: Credit reporting or other personal consumer reports

i senXXXX XXXX, equifax, and XXXX  a dispute letter on XXXX, requesting deleting of the inaccurate accounts they are reporting on my credit report which is a violation of the FCRA. I have disputed with them several times and they haven't respond nor re-investigated the information which is a violation of 15 usc 1681e ( B ) ; 15 usc 1681s-2 and i am requesting compensation of {$1000.00} us dollars per violation, per item and the charge off accounts has passed the statue of limitation to collect on and need to be deleted, further more the debt was already paid per HJR-192, 18 USC 8, so i am requesting the alleged debts be discharged and deleted from my credit report.
Product: Debt collection

XXXX XXXX XXXX account XXXX amount {$2300.00} Phone number XXXX and XXXX Address XXXX XXXX XXXX XXXX. XXXX, MN XXXX
Product: Debt collection

This company has damaged my credit byt reporting inaccurate and false information on my credit file without my consent and i habe asked th to sende a copy of the purchase agreement and the bill of sale yo show proof that i owe the debt they say I owe. They hsve alreadt violated my consumer rights by reporting information about le on my credit file without my consent under 15 USC 1692g. I Ave also had this company to Cease and Desist and only communicate in mail which they have yet to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my free annual credit reports on XXXX  from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX report. Equifax and XXXX  'XXXX  links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both Equifax and XXXX. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.
Product: Debt collection

attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.