23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) 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 tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 modity accounts tat isnt reporting correcuy.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Systems , Inc in XXXX, GA submitted a collection account from a previous apartment I stayed in while I was filing for ch. XXXX was submitted to my credit a year later. I left XX/XX/XXXX, the collection appeared XXXX of XXXX. My ch XXXX was submitted XXXX of XXXX. I do not know why it did not include the current resident I resided in while filing but the collection account for the apartment was not included. Again, I was staying at this apartment while filing the bankruptcy. I was told by XXXX XXXX, " it was my fault the bankruptcy didn't include the apartment. '' I corrected her and stated it would not be my fault but the lawyers who submitted the information. Maybe he made a mistake or maybe he knows something XXXX XXXX and I don't. The apartment was given notice, I let them know of financial situations changing and that I would have to break the lease 2 months early. The notoriety of the apartment complex is it's own mess but XXXX XXXX, ext XXXX, who claims to be a supervisors, lacks the proper customer service skills and has a bad habit to constantly talk over you and undermine your intelligence how credit and filing collection accounts works. I tried to resolve the issue by requesting a settlement and was given a discount of {$400.00} on a {$2900.00} notice. I'm not stating the accuracy of the collection account is correct nor do I state it belong to me. I was trying to clear up my report since it's tax season and get this debt removed from the credit since its been on there since XX/XX/XXXX. You would think a collection company would prefer settlement and money for an account rather than not get paid at all. As well as the knowledge to know you catch more flies with honey than vinegar. That being said, when I asked her to see if we could come up with a better deal and submit it to her supervisors that's when her tone quickly switched over to the negative state she had. If National Credit Systems would like another chance at coming up with a better " PAID FOR DELETION SETTLEMENT '' I'm willing to handle the account with someone else. This account from my knowledge was suppose to be included in to my bankruptcy, I'm willing to pay on something I was not expecting to have to handle from XXXX but at a lower ethical rate I can afford.
Product: Debt collection

CFPB Complaint against IC System Collection Agency Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Consumer Financial Protection Bureau ( CFPB ) : I am filing a complaint against CFPB regarding debt collection practices by IC System, a collection agency they are allegedly working with. 
Nature of Complaint : I am unaware of the debt in question from CFPB. 
I have not been given a fair opportunity to dispute the validity of this debt. 
If CFPB believes they provided proper notification of the debt, I request a copy of the certified receipt with my signature confirming receipt. 
IC System 's Collection Practices : IC System has been contacting me about this debt. Their collection actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) because : I was not informed of my right to dispute the debt. 
I have not received a written verification of the debt ( debt validation notice ) as required by law. 
Request : I request that the CFPB investigate this matter and take necessary action against CFPB and IC System to ensure they : cease all collection activity until the debt is validated ; provide me with a written debt validation notice ; allow me to dispute the debt ; and remove any inaccurate information about this debt from my credit report. 


Supporting Documents Proof of address and ID Please Note : You have XXXX calendar days to respond
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing mistakes, including late payments that don't align with my usual payment history.
Product: Credit card or prepaid card

Wells Fargo ( WF ) Credit Card Security Breach. On XXXX, I received a call from from WF credit card fraud department, listed as XXXX on my caller ID ) asking me to verify an attempted charge to my Visa account at XXXX. I called WF at XXXX and spoke to a WF agent who confirmed the call was indeed from WF. My concern is that I did open that account long ago but I never activated it, never used it, and the card has not been out of my locked desk drawer at home, and absolutely no one has access to it. XXXX confirmed that the card was never activated and never before used. My question is, since the card has not been out of my desk drawer and was never activated for use, how did someone obtain my credit card information to use on XXXX. It is clear that the account information was obtained directly from WF files, either internally or through a hack. I would like an investigation into how this happened and how many other people face the same security breach. I expressed the concern to the WF agent but they are making no indication of investigation.
Product: Debt collection

XXXX working on behalf of Jefferson Capital Systems LLC XXXX has called me several times from several different numbers about several different credit cards for Jefferson Capital Systems LLC. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/23 and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/XXXX  to stop calling ).
Product: Credit card or prepaid card

The  Discover Card is sued new cards for me on  XXXX / XXXX / 2017 . I also received an email on  XXXX / XXXX / 2017  that security breach occurred. I called today customer service to find out if my card was affected. The customer rep stated that the company received a message fr om one of its merchants that a security breach occurred. I asked which merchant was affected as I do not plan to use it. The rep declined to provide the name stating its privacy agreement. How do I protect myself against this? I think the Discover company should be transparent in letting know its custo mers which merchant has security weakness so the customers can make the decision whether to use it understanding the dangers.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX  XXXX Date Opened XX/XX/XXXX Credit Limit {$200.00} Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name- XXXX XXXX Original Balance {$530.00} Status Paid, Closed. 

XXXX XXXX XXXX Account Name -XXXX XXXX Original Balance {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Balance Updated XX/XX/XXXX Date Opened XX/XX/XXXX Original Balance- Status Closed. {$860.00} written Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted to transfer XXXX XXXX from my Binance.US account into my personal savings account via ACH transfer. 

Per the process described in the FAQ, a verification email ( via XXXX ) was to be sent to my email address for me to confirm the transaction, after which it would be processed. If the verification email link was not clicked within 24 hours, transaction would be cancelled and funds would be released and remain in the binance.us account. 

An email was never received and this transaction has been in pending status since XX/XX/XXXX - over a month. 

I have submitted multiple support tickets and attempted to escalate my ticket with no success. I have also contacted XXXX which referred me back to Binance support. 

I have contacted my bank. Bank has no record of an incoming ACH attempt. 


I have since used the ACH transfer to transfer a small sum to this exact bank account as a test - this transaction was successful and the XXXX email was received in this instance. This shows that there is no error to the setup or bank account it was directed to. 

These funds have been held from me for almost a month causing financial harm.
Product: Credit card

Hello, After I fully paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. Two weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Two days later, I have called American Express several times requesting an update on the ticket that I had opened with them and till date there has been no emails/phone/updates from them at all ; two months have passed and I have not heard from American Express with a reconciliation statement. I have attached screenshots of my payments showing XXXX, then a a few days later amex adding a none existing number to the following billing statement. In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded.
Product: Student loan

Up until today ( XX/XX/2023 ), I was on the new SAVE income repayment plan with a monthly payment of {$0.00} on the MOHELA site. I received an e-mail about payments restarting this morning ( XX/XX/2023 ), and checked my MOHELA account and it shows I've been removed from the SAVE plan and placed on a 'Level ' plan with a payment of {$920.00}. 

My NSLDS data shows I was on the REVISED PAY AS YOU EARN PLAN, which became the SAVE plan. Why was I removed from the SAVE plan?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me 30 days late in error in XX/XX/XXXX on XXXX and Equifax. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX  account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.
Product: Debt collection

XX/XX/20. This date was the last time of many times they called my parents who are in there XXXX. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.
Product: Student loan

Sallie Mae called XX/XX/2017 AND left a message three times in one day. I have three separate voicemails all from the same person all within four hours. The school the loan went to was XXXX University XXXX and I am a cosigner on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX  Date of Inquiry XX/XX/2021 XXXX XXXXXXXX Date of InquiryXXXX XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 Name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage was sold by XXXX XXXX XXXX in XXXX 2016. Since then we are getting foreclosure notices and strangers knocking on our door handing us paperwork. We have had a mortgage for 30 years and are down to 7 months before payoff. ( We have NEVER had this problem. ) I 've asked them to review our payment history as I believe they reversed one of our payments. I can not get anyone to reply to my many emails and faxes. I 've read reviews about Shellpoint Mortgage ( aka Resurgent Mortgage ) and have heard many of the same complaints. I know I should refinance to get away from these scammers but do n't want to have to do that with only 7 payments left.
Product: Credit reporting or other personal consumer reports

i originally sent XXXX, transunion and XXXX a letter opting out from reporting the mentioned account, they failed to comply with my opt out requests and continued to report. i would like for them to initiate arbitration and pay all the costs
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score.

This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX  XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting this collection account inaccurately XXXX XXXX XXXX XXXX as an " OPEN ACCOUNT '' and also shows a past due balance which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting 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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 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: Debt collection

This complaint submission is in regards to a false credit report by PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter that was mailed on XX/XX/2024, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2024, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX  ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically XXXX XXXX, XXXX, XXXX XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) is violating my rights and are also causing financial hardship with this debt being reported. This false report by PORTFOLIO RECOVERY has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g . If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit to obtain all statutory and punitive damages available under law for their illegal activity.