23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Close to six years ago, I moved out of an apartment. I notified the utilities of the shut off date that I needed. A few years later when purchasing a vehicle I noticed that there were negatives being reported from the utilities I contacted the utilities and even though I did not owe the money, I agreed to pay the amount showing due, to clear the accounts. 
I was also advised that my deposit had been converted to cover the balance, and I was paying the amount remaining. It was made abundantly clear I disputed the balance and I asked for a investigation, so my payment ( s ) could be refunded. 
I never received follow up communications and it was only until recently, and much to my surprise and shock, only XXXX account was showing, an XXXX account, was shown as paid in full, but they still noted it was after charged-off ( even though this is unfair, I am not disputing that accunt ). 
The following accounts were paid in full, EVEN THOUGH I DID NOT OWE THEM, many years ago : XXXX XXXX 's tradeline that I owed to them the amount of {$220.00}, and XXXX tradeline that I owed to them the amount of {$130.00}. 
I disputed the following accounts on XXXX XXXX, 2016, and less than 24 hours later I received notification that Equifax 's investigation was complete and the accounts and amounts owed were accurate and complete. 
Equifax has a private contractual arbitration clause in their contract. I have already made my written demand, as required by their contract, to start the arbitration process. 
As Equifax testified to in in XXXX Equifax Information Services LLC, 3:11-cv-01231, that their policy is " [ t ] o take corrective actions to correct a consumer 's report is only undertaken if a civil action is filed, '' I do n't anticipate this complaint doing much good, in the short term, but I want to use their response to your agency in my Complaint. 
I am seeking punitive damages for willful violations of the FCRA and refusing to remove the inaccurate accounts from my reports, after this Complaint to your agency, will help establish the " willfulness '' element. 
I do not owe the amount alleged and even if I did owe it, it was paid long ago. 
Thank You for any assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraud alerts and extended fraud alerts from my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

IRS sent a notice of a tax lien. Upon the same date of making payment, XXXX/XXXX/2010, I learned that a tax lien was filed. Have not been able to get any help from IRS or credit bureaus as to why a lien was filed on the same day it was paid.
Product: Payday loan, title loan, or personal loan

I did n't realize that online payday loans were illegal in Kentucky if they did n't have a store front. They had it hidden in their paper work that they can garnish my wages. Because of the large interest fees it is difficult to pay this loan off.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX XXXX  reported on my credit I have disputed it for years. the information is inaccuarate and can not be validated. I reached out to the bankrutcy court and they sent a letter stating that they do not report or confirm accuracies reported by these credit agencies. I have attached a copy of the credit lines and thier inaccuracies. along with the letter form the court house that clearly states this information was illegally retainied.
Product: Checking or savings account

I have made a deposit in the amount of {$7100.00}. It was a check from my retirement 401k account. I went into the local branch and made the deposit with a bank teller. I received a receipt stating when my funds would be available. I have written documentation from the bank stating when my funds would be available. On Friday, XX/XX/XXXX I had checked my balance and it was in the negative. The initial {$250.00} that was stated would be available was not available. I then called customer service and the representative stated the funds ( all {$7100.00} ) will be available on XX/XX/2023 at XXXX. This caused me to accrue penalty fees from my creditors due to the fact payments i made according to my fund release schedule to bounce back. I have also requested a hardship with the bank for my funds and all of a sudden they no longer do that.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX, XXXX unauthorized XXXX charges totaling {$1800.00} were taken from my checking account. I should have noticed earlier but I didn't. I did not make these charges. I did not authorize anyone to use my bank account to make these charges. As soon as I realized what happened, I went to Bank of America and was told that I had to call customer service. I filed a claim with Bank of America and it was denied. I appealed that claim but was ultimately rejected. The letter I received from them said " The charge was authorized by you or made by someone who has permission to use the card or account. '' That is not true and they did not provide me with any evidence to the contrary. The customer service representative said that I was liable for the charges because I have previously used XXXX ( a total of 9 times, totaling XXXX since XX/XX/XXXX and used it 1 time during this time period and I excluded that XXXX charge from my claim ). I submitted help requests to XXXX and each time received email responses that contained no message ( see attachment ). I requested details from my XXXX account and submitted those to BofA but they denied my claim. I attached the XXXX trip data. I did check my bank account balance on the app during this time period but I did not look at transactions. I certainly would have caught this much sooner if I had but I didn't. I was only concerned with making sure I had enough money in my account for whatever purchase I was going to make. I never considered that someone would steal from my account. I feel that it is unfair and unethical for Bank of America to deny my claim. My claim was within the 60 day reporting window. My bank statement that contained an unauthorized charge was dated XX/XX/XXXX. I reported this on XX/XX/XXXX. That is 44 days. Thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX, Experian and XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) .Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of y credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conducting a proper investigation to remove the errors withing the required 30-day period XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I monitor my credit report weekly and I have discovered that this is the *XXXX* time that Debt Recovery Solutions , LLC has placed this {$80.00} debt on my credit report. Thus, the debt mysteriously appeared on my credit report without given a 30 day notice to dispute the debt. Thus, this is the XXXX time that this debt collector violated my consumer rights under the FCRA. 

In addition, I have already disputed this debt back in XX/XX/XXXX and Debt Recovery Solutions , LLC removed the debt from my credit report because they could not validate it. Yet ... here they are again ... trying to damage my credit without validation 10 months later. 

Hence, I need proof that I owe this debt. Please show me a copy of the " written agreement '' that created my original requirement to pay? 

Furthermore, I would like to add that I have already contacted XXXX ( the original debtor ) on XX/XX/XXXX at XXXX and they could find no such debt. I spent about XXXX minutes on the phone with XXXX exploring this supposed debt. XXXX indicates that I own them nothing and that all accounts were paid in full with them. 

In addition, just to make sure that I did not owe this debt, I took the risk of giving XXXX my full social security number ( which should never be done ) so that they could do a thorough search to assure that I did not owe them a debt. Thus, XXXX indicated that they did not even know what Debt Recovery Solutions was talking about. 

I have had quite enough of this!!!!
Product: Mortgage

When Santander bought XXXX XXXX they called in two business loans which were always paid on time. This put a big strain on my business as I needed money at certain times to purchase seasonal products. When my business began to fail I approached Santander to procure a lower mortgage rate through the HARP program. They told me they held my mortgage and because of the economy and real estate values dropping, they would not consider a re-finance. The mortgage was always paid on time and there were also several additional payments made. My feeling is that since I kept the mortgage in good standing and they were getting 6.25 % interest, they didn't want to negotiate in good faith. The business suffered some disastrous problems and as a result I could no longer make the scheduled mortgage payments. Because of these problems my marriage fell apart and now I was short an income source and eventually had to claim bankruptcy and sign the house over to an agency who took over the mortgage. 
I feel Santanders greed to retain my high interest mortgage rate led to the subsequent problems that occurred and basically led to me loosing my home and the XXXX  XXXX dollars I had already paid in mortgage payments. 
Amazingly, when I was unable to maintain the scheduled payments, Santander was open to restructuring the mortgage.
Product: Mortgage

On XX/XX/2023 I paid off my mortgage XXXX # XXXX and never recieved my escrow deposit until XX/XX/2023 due to the fact that they mailed it to my old address where the property was sold. The check they send expired and was 90 days old. I tried to deposit the check but it was returned. On or about XX/XX/2023 I requested a new check and was told that a new check would be reissued to my current address On XX/XX/XXXX I was told no check was issued but they would process a new check which would take 30-90 days to process. XXXX in HSBC servicing department claimed that a new check was never sent but would request a new check which would take 30-90 days to issue. HSBC had 12 security questions and since I got one question wrong refused to service my request until my wife called and got all 12 security questions correct which were different than my questions. Getting HSBC to respond is difficult enough but they have not returned my funds to me and its been now 6 months since I paid off their loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents regarding my complaint against EQUIFAX. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXXXXXX XXXX XXXXXXXX. I also filed a CFPB complaint against XXXX XXXX in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Equifax last month.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S. Code 1681n ) Was not provided a 1099 c
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted an ACH payment in the amount of {$210.00} from my previously used and saved bank account ending in XXXX. About a week later I get a notification from all 3 credit bureaus stating Total Card reported me 30 days late. I called and asked what exactly was going on with my account and they claimed that my bank account didnt exist. Thats not accurate as that was my main bank account and used it previously with Total and was even my primary saved payment method on my Total Card profile. I sent in proof of my bank statement for the month of XXXX showing my bank account was active and even pointed out other creditors I paid successfully. My bank statement NEVER showed a returned payment for that month and after speaking to multiple supervisors including a supervisor from the IT department they clearly said this was an error on the creditors system as a request for payment from Total Card was never submitted. I sent in a statement and my bank statement via fax and email to Total at the beginning of XXXX and again in XXXX and not once did I receive a phone call or email from response them. I was advised by multiple sources that any investigation shouldnt take more than 30 days. Ive yet to receive any response even after contacting the XXXX   regarding this issue with Total. I hope to have this resolved soon as its done dire harm to my credit and chances of buying a car. Thank you all for your time!!!
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, 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 XXXX has neither corrected not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number 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 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: Mortgage

I got a loan with Wells Fargo Financial. In XXXX I received a modification fthe, from them. I fell behind again in XXXX. They sent me a letter in XXXX of XXXX stating I need to pay {$11000.00} to bring the account current. I sent them that that amount in XXXX XXXX XXXX ( {$11000.00} ). In XXXX of XXXX I receiv another letter stating I owed an additional {$5500.00}. They told me that they forgot to add something in. I told them I had no more money to give th them. I had never missed a payment, and they could not explain to me where the additional {$5500.00} came from. 
I had no other choice but to go to XXXX. They brought my account up to date for {$22000.00}. I still do not where this amount came from. 
The account then sold to Wells Fargo Home Mortgage and I started to get calls asking me for an additional {$19000.00}. I have been trying to refi my house and when the escrow company gets a demand, it shows I owe the additional amount of the {$19000.00}. 
I finally got a representative to get my account to their corporate office. 
I received a letter from a XXXX XXXX stating that amount was interest from my modification in XXXX. ( Wells Fargo Corporate office ) If my account was brought completely up to date in XXXX by XXXX, how can I still owe from XXXX? 
I have worked on this for over two years and have not got anywhere. 
I have lost the opportunity to refinance several times. No one is able to help me. I need a resolution.
Product: Student loan

I previously filed a complaint that Nelnet did not accurately respond and you closed the complaint. My previous complaint was - XXXX I have a federal student loan that I have been paying on since XXXX. It started off at {$68000.00} and now its over {$110000.00}. I have been asking for my loan documents since XXXX of XXXX. I was told that they didnt have them and to check with the Department of Ed . I was instructed to file a FOIA request which I did in XXXX of XXXX ( XXXX ). The website for FOIA said they would respond within 10 days and I havent heard anything. I have reached out several times. Th first time was in XXXX and they said it was still in progress. I checked the status and as of today, its still in progress. 

Nelnet sent the XXXX consolidation promissory note. I have been paying on this loan since XXXX and should be eligible for loan forgiveness however no one can seem to find my original note. I need to speak with some re why it is now XXXX  years and I cant get any answers re my original contract.
Product: Debt collection

I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$1300.00} XX/XX/2018, {$260.00} XX/XX/2018 I DO NOT!
Product: Vehicle loan or lease

Santander Consumer USA loan account was opened prior to date they are reporting XX/XX/XXXX. The vehicle was an voluntary reposession. I tried dispute the loan after talking to them they then updated the account in order to keep in on my credit file for another year. Now showing XX/XX/XXXX. Originally it was scheduled to be removed XXXX of XXXX this month this year. My wife and I are disable to to an automobile accident in which an semi truck ran us over on XXXX XXXX XXXX of XXXX. Due to legal obligations having to sue trucking company we were no longer able to pay car payments. I called and asked for an voluntary reposession of the vehicle. In it has been I've 7 years and Santander is still reporting on my credit file which is influencing my credit file. I have had 7 loans since this occasion and all are paid in full at this time. I am desperately needing Santanders negative credit removed from my file. My wife and are are still disabled on XXXX due to the motor vehicle accident and we ask them to co-op with us to remove this item however they updated it this year and changed origin start date on the loan so it would show for an additional year. We are struggling to maintain our utilities and raising our granddaughter at this time. I ask that they please remove this item from my credit file.
Product: Debt collection

XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 

I have no accounts that I opened and have not paid since XXXX. I have no clue what this is for and the company will not tell me without first obtaining information from me that I should not have to divulge considering I have no clue what this is for or where it came from. They contacted me and said they were going to attach my wages were very rude and then hung up on me. I know for a fact I do not owe this money and can not get it resolved. I am trying to work on my credit and I can not get this explained or understood. 

Please help in anyway to identify where this stems from and who is the true owner of this liability. 

Thank you in advance.