23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


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

I have contacted XXXX and Experian numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and Experian for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.
Product: Debt collection

I have tried to resolve the issue with this storage company, my things were auctioned off and still left with an outrageous bill. Sent to collections and have been hassled about the balance ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances
Product: Debt collection

Bankers Health Group filed and received a default judgement in NY where they are located on a XXXX debt that was time-barred and knowing past Statute of Limitations which was withheld from court to receive this judgment. I was never notified initially or properly to respond to initial summons. Now after they filed in XX/XX/XXXX I received a summons in North Carolina where Ive always lived on a time-barred Inflated Debt way past the 3 years on the Statute of Limitations in NY and NC. They have had complaints and past class action suites in NY for predatory action outside the individual rights under the Finance Consumer laws. Because I am XXXX XXXX XXXX I believe I was targeted in hopes that I would not be aware of the laws or rights on a time barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting aXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, 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: Checking or savings account

XX/XX/year> - Representative with Wells Fargo fraud department called in stating that there was a XXXX XXXX being sent to another state for over {$1000.00} and if I approved this transaction which I denied. Representative stated they would send me a code to my phone number on file which I provided the code to confirm my identity attached to the account. The rep stated there was another transaction during the phone call with XXXX and they would dispute the charge because it occurred during the phone call and confirmed it wasnt me. Simultaneously I called through my XXXX phone with Wells Fargo and they confirmed that the first rep is in fact the Wells Fargo number. 

XX/XX/year> - XXXX the supervisor of the fraud department would be handling my case due to seeing how long I was on the phone through the call log report they run the previous night. While on the phone with XXXX Account Takeover called me and left a message. Once finished with XXXX I called Account Takeover back which the rep advised to create new account numbers and a claim to dispute the full point of sale transaction amount {$14000.00} towards XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/year> - received letter in the mail stating information is needed for the claim, which I called in and they stated the claim was refused due to me locking my card for transactions, the representative unlocking it again and also upping my limit the previous days which I denied approving any of that activity.
Product: Debt collection

NCB Management Services located at the XXXX XXXX XXXX, XXXX XXXX. Contact number XXXX. This company purchasing accounts from creditors that has be filed under bankruptcy and or dismissed and reporting accounts to the credit agencies as valid and collectible dept. I contacted the credit agencies and was informed to contact CFPB to have issues resolved due to the fraudulent practices.
Product: Prepaid card

I have had my Amex {$100.00} gift card set aside to use. It does not expire until 2027. No matter where I try to use it, it is declined ; both in person and online. I confirmed the card is active and that the balance was {$100.00}. No matter where I try to use it it is declined. I attempted to contact Amex and just go someone in XXXX who told me to take it up with the stores I tried to use it at, or keep trying until it works. I want my {$100.00} back since the card doesn't work.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX -ACCOUNT # XXXXXXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX Information : I have identified the following discrepancies that require immediate investigation and correction Open Date Inconsistency : Your records show the account was opened on XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Please confirm and correct the account 's open date. 
High Credit Inaccuracy : Your records indicate a high credit amount of {$0.00}, which conflicts with the accurate amount of {$570.00} reported by other credit bureaus. 
Last Reported Date : The last reported date listed as XX/XX/XXXX is inconsistent with other bureaus. Please verify and update this to align with accurate reporting. 
Credit Limit Discrepancy : Your records indicate a credit limit of {$0.00}, but the original creditor provided a limit of {$400.00}. 
Date Last Active : Your records list XX/XX/XXXX as the date last active, which conflicts with other reports. This needs to be verified and updated. 
Account Comments : Your comments mention, " Customer disputed account reported by subscriber, '' but no resolution has been provided to date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX FEDERAL XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX However, they stated everything 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 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XXXX XXXX.I reached out to XXXX about a collection that is a joined account that my husband and I owe money on and have been paying monthly since XXXX for breaking a lease in XXXX. I called the office, which seem like only one person work 's their XXXX XXXX .I asked for records of our monthly payments, or a letter with a letter head with any information about our bill/ collection. I was told that, she doesn't have to give me any thing pertain our account with this company. I asked to speak with a supervisor, she then in returned told me NO! I don't understand that if this is a debt collection company, why don't we have or cant have any thing in writing! I found this very odd and never heard of. I am starting to believe that we don't owe as much is being told to me over the phone, which she would only do, but we have been paying this company for over a year now. Every time I call she is the only person who pick up. I cant talk to no one over her head or get a hold of any one else who seem to help. This person or company or I just don't know anymore want give us any information about out debt or our payment history or any thing form this company at all. She is very nasty and wont let you get a word in. If we owe this much fine show us something .she wont send us anything at all, no email or letters .We are starting to believe that the original company sold our account, and this company wants more money the own and wont show us anything in writing because they are scamming us out of more money. We never thought anything about it until I called and asked for something in writing and then she told us all of this unbelievable stuff
Product: Debt collection

It appears that an old student loan that I have received confirmation from the original creditor was marked as a paid keeps being resold and I keep having the issue reported on my credit reports. I disputed the validity through the credit reporting agency but the debt collector reported the date was valid. I sent a certified letter to most recent debt collector Weltman Weinberg Reis on XX/XX/2017 requesting information about the alleged debt. They have not replied to my letter and the entries are still on my credit reports.
Product: Mortgage

Good morning, I had to increase my Insurance coverage, so I had an additional premium that was due outside of my yearly premium. Originally when I received the bill, I noticed it had the wrong Mortgagee clause still ( my loan was sold from XXXX XXXX to Dovenmuehle. ) I faxed the bill to Dovenmuehle and called on XX/XX/XXXX. They stated with the bill being due on the XXXX, it wasn't enough time to pay out of my escrow account ( which I understood. ) I called my agent and explained the clause was wrong and I was going to pay out of pocket. They updated my policy and with this update, they faxed the bill to Dovenmuehle and  changed the due date to XX/XX/XXXX. I called Dovenmuehle back to explain that I was going to let the bill be paid out of escrow, since it was enough time. They stated they'd do this. 

I called back on XX/XX/XXXX to check the status. At this point, the bill has been sent to the company 2-3 times by myself and my agent. The person I spoke with said she received the bill, she even told me the premium amount so I knew she had the bill in front of her. I confirmed that I wanted it paid out of escrows and she stated it would be paid. 

I spoke to my Insurance agent on XXXX to see if they received the payment, they state they haven't. 

Fast forward to today, XX/XX/XXXX- the bill is due. I call Dovenmuehle to check to ensure payment went out. The agent states that the bill was received but no one on their end had opened up an order to issue the payment on the account. I ask why, and he states the agent I spoke with on XX/XX/XXXX " messed up ''. I ask what can be done, but he states very little with the payment being due today. They can overnight, but it would still be late. I ask how this can happen when I specifically asked them to pay it and he keeps saying sorry but that it was Dovenmuehle 's fault. He explains premiums outside of the yearly payment aren't always paid, but I state, again, that I spoke to several people to ensure this payment is processed. I stated to the agent I spoke with today that I authorization this payment through my escrow agent. Two agents advised me on separate occasions that the payment will be made out of my escrows. According to the agent, I did everything correct by stating this payment was to be made. Dovenmuehle is at fault for not paying my premium like me ( the customer ) requested -- several times. 

I am now in the situation to pay my premium out of pocket today due to the neglect of Dovenmuehle Mortgage. Mistakes happen, but this needs to be addressed. It needs to be corrected by the company because they are clearly and admittedly, at fault. My escrow account is set up to handle these payments so I don't need to budget for Insurance and taxes out of pocket.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as requires by federal law. 


Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputes and inaccurate information without explanation Failing to notify consumers about investigation results effectively, These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections account reporting on my file that i have no knowledge of. My XXXX  was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : AD ASTRA RECOVERY SERVIC Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX {$3900.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX
Product: Payday loan, title loan, personal loan, or advance loan

i am trying to ork on my credit so i reached out to the company and tried to resolve my debt with them and delet this off my credit repor but they are unwilling to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXXXXXX XXXX US BKPT CT AZ XXXX XXXX XXXX The United States Bankruptcy Court for the District of Arizona does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure " Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, XXXX through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. 

LexisNexis obtained redacted information illegally and subsequently sold the illegally obtained information to Credit Reporting Agencies.
Product: Student loan

In XX/XX/2023, I applied for the new IDR SAVE plan via my account on Nelnet. I then found out in XXXX that I was placed on the ICR plan instead of the SAVE plan, making my monthly payments unaffordable. On XX/XX/2023 I reached out to Nelnet to find out why I was rejected from the SAVE plan. I was told over the phone that the reason I was not placed on the SAVE repayment plan was because my income was too high. After doing additional research, I found that this is not an appropriate reason to be rejected from this plan. This unfounded rejection from the SAVE plan is causing me to miss out on qualifying payments and I want the months impacted to count towards forgiveness and either charge me the IDR amount or have an administrative forbearance but still count.
Product: Credit card or prepaid card

I have a capital one credit card account on my credit report but I don't have a capital one card or don't have access to check online about this account. I called and they want me to send a copy of my drivers license to them in order to help me.
Product: Student loan

I requested a refund of {$6500.00} because I made payments towards my student loans after XX/XX/2020. When I contacted EdFinancial, they told me that they do not know when the {$6500.00} will be refunded to me. It has been over a week now and I have yet to receive any updated or the funds.
Product: Checking or savings account

A few minutes ago I tried to transfer money via XXXX from my NSB account to my XXXX XXXX account and it wouldn't work many attempts. Finally it said it was sending then I received this account freeze as attached saying " Profile On Hold '' and to call them, tried to call them and their center is closed. 

How many times I have to go through this and how the CFPB does NOTHING to these banks freezing people 's money, preventing people from accessing their money for simply " Trying to spend it. '' Please do something this behavior by Nevada State Bank is in violation of many federal laws. 

**Additionally they assessed my savings account a charge of {$10.00} for Excessive Withdrawal Fee. The limit of 6-withdrawals per calendar month from the Fed was eliminated, these fees are illegal.