23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While living in XXXX, XXXX I received electric service from XXXX ( XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I requested service be disconnected immediately because I was moving that day to XXXX, XXXX ( outside their service territory ). On XXXX, I received an email from XXXX confirming my move-out request and then did not hear from them again -- no email, no snail mail. 

I never received a final bill. Then, in XX/XX/XXXX, I notice on my credit report that there is a collection for {$330.00} from States Recovery Systems representing XXXX. I spoke with several reps at XXXX and they refused to recind the collection or accept a payment directly. On XX/XX/XXXX I paid the amount in full to States Recovery Systems. 

In XX/XX/XXXX, I disputed the collection with XXXX and XXXX. The collection was marked " paid '' but was not removed as I requested. Since I never received a bill for this, I expected it to be deleted from my credit report but they refused.
Product: Checking or savings account

FDIC case number- XXXX Below is a communication sent XX/XX/XXXX, sent in an attempt to follow-up a complaint made a couple of weeks ago. I received a call a few days later and was told that an investigation would be sent to the appropriate department personnel and they would follow up with me accordingly. 
Thank you for your prompt assistance. As you can imagine. I am frazzled and literally coming undone. I have endured ongoing fraud since about XXXX of XXXX. I have gone to court, and currently am awaiting a decision on an active case in which the company refuses to be located. 

Email sent XX/XX/XXXX : I don't know what is required to follow-up a complaint that I previously made to your system. I executed the guided steps and was not able to access my case updates. The banks have contacted me. I am scheduled to work with them to investigate the gross fraud occurring in my accounts as well as the unauthorized closure of XXXX of my accounts. 

Please contact me to assist with next steps to resolve my concerns and restore my account to whole. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The bank repossessed the vehicle and I paid the full amount necessary to get the vehicle back however the lot that was holding the vehicle continued to deny the release of the vehicle to me and then the bank said it was repossessed again and I had to pay the full amount remaining and added the {$2400.00} I had just paid. I feel like I have just been scammed out of my vehicle TD auto finance is the bank and. XXXX is the lot holding my automobile
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Unauthorized Inquiries : Company Name : XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Company Name : XXXXXXXX XXXX  - Bank Credit XXXX XXXX XX/XX/XXXX Company Name : XXXX XXXX  XXXX XXXX Mortgage XXXX XX/XX/XXXX Company Name : XXXX Mortgage XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX Mortgage Reporters- XX/XX/XXXX Company Name : XXXX Mortgage XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX First dispute was sent to Equifax about inaccurate information being reported on my account. They responded but with just an automated response and still the information is inaccurately being reported on my account even after my follow up on XX/XX/XXXX and again XX/XX/XXXX XXXX XXXX XXXX Account Number : Date of first delinquency was updated to XX/XX/XXXX but your verification does not show account history with XX/XX/XXXX in fact your report says it has 6 month received but only showing 4 months with XX/XX/XXXX showing 30 days. This account needs to be removed for incomplete and inaccurate reporting. 

XXXX High balance amount was changed from {$420.00} to {$460.00} and not reporting a Charge off amount. How would the High balance now be {$460.00} and not even reporting a charge off amount. Also you have the date of 1st delinquency as XX/XX/XXXX but your payment history only shows XX/XX/XXXX 30 - XX/XX/XXXX 60 - XX/XX/XXXX 90 - XX/XX/XXXX and XX/XX/XXXX 120 days XX/XX/XXXX XXXX and XX/XX/XXXX 150 days. So how do you even get a date of 1st delinquency of XX/XX/XXXX. This account is obviously inaccurate even after your verification and I ask you to please remove the inaccurate account immediately. 

XXXX This account is showing a charge of {$11000.00} with a balance owed of {$11000.00}. How can these amounts be different and in your verification you sent the date of last payment of XX/XX/XXXX shows actual payment of {$0.00} which is also incorrect. This account is incomplete and inaccurate and needs to be removed immediately XXXX This account shows a date of first delinquency of XX/XX/XXXX but also reporting charged off on XX/XX/XXXX and the account history you sent shows it being charged off on XX/XX/XXXX which does not make any sense. This account is clearly inaccurate and needs to be removed immediately. 

XXXX XXXX high balance XXXX This account is unverifiable, you sent a response with account history showing month received 59 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

XXXX XXXX High balance XXXX This account is unverifiable, you sent a response with account history showing month received 73 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

The automated responses are obviously not correcting the account and have not been properly reviewed
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX has inaccurately reported information about my account to credit bureaus, causing harm to my credit report. The account, which I believe was prepaid at inception under the applicable laws and accounting standards, reflects an unpaid balance instead of being marked as settled. 

On XX/XX/XXXX, the account was opened, and the balance was prepaid pursuant to Public Law 73-10 ( HJR-192 ) and confirmed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). According to XXXX, credits to demand deposit accounts represent cash transactions. This means the balance was fully satisfied when the account was established. 

Despite this, XXXX XXXX reported a negative balance, which appeared on my credit report on XX/XX/XXXX. This reporting is inaccurate and misleading. I sent a formal notice to XXXX XXXX on nunc pro tunc requesting that they correct the reporting and provide documentation validating any remaining balance, but they failed to respond appropriately. 

Additionally, pursuant to 15 U.S. Code 1666d ( Treatment of Credit Balances ), any overpayment or credit balance should be refunded promptly. XXXX XXXX has not issued a refund for the credit balance resulting from the prepayment of the account. 

I request that XXXX XXXX : Correct the inaccurate information on my credit report to reflect that the account is prepaid and settled. 

Issue a refund of the credit balance in compliance with federal law. 
This situation has negatively impacted my creditworthiness, and I am seeking immediate resolution to rectify the inaccuracies and secure the refund owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with XXXX ( Account number XXXX  ) The first delinquency on this loan was in XX/XX/2011. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/2011. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file in XX/XX/XXXX due to federal obsolescence guidelines. I disputed it and it remained.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX  ,2017- $   XXXX  - Ca ll  XXXX   XXXX  and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy.  XXXX   XXXX  call my Ex-wife  (   XXXX   XXXX   ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.
Product: Money transfer, virtual currency, or money service

I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.
Product: Debt collection

XX/XX/2022 navy federal credit union transfer XXXX to a credit card that my husband was past due and we had the money save up of XXXX in our savings account and when we went to go try to pay it online it was not there no more this was on Saturday ( XX/XX/2022 ) the guy we were talking too told us that department was close was will be open on Wednesday to call then. So when we went to check the bank accounts everything was gone. They dont call us to let us know our money was taking away. Then like couple hrs late we get a call. We call the bank to tell them what was going on why we had no money and no one couldnt help us into one lady was disrespectful telling us thats XXXX you lost your money and you cant get it back before hinging up the phone on us they can keep the XXXX. But we want our XXXX back we need someone help bc this its XXXX
Product: Mortgage

This is my second complaint submitted in which my first complaint was regarding my mortgage servicer reporting my account late in XX/XX/XXXX in which I have not received written response from the servicer regarding resolution and my account is still reported late for XXXX. This current complaint is in regards to my escrow. AFR is in violation of regulatory servicing requirements as an escrow analysis can only be done once every 12 months. AFR completed an escrow analysis and mailed me a statement dated XX/XX/XXXX for analysis period of XXXX in which there was an escrow shortage of XXXX and my payment would be increasing XX/XX/XXXX {XXXX}. I now recieved another escrow analysis dated XX/XX/XXXX in which they claim I now have a shortage of {XXXX} for an analysis period of XXXX. I called them today XX/XX/XXXX and got a very rude unhelpful representative whom couldnt and wouldnt answer why another analysis was completed and questioned if I requested the XXXX statement multiple times as I told her I dont call in I just pay my payment every month I did not request anything from them. She ended my call with muttering an email address to send a request for research my escrow issues. I had a loan modification in XXXX in which ever since then my escrow has a shortage. I believe my modification was done incorrectly which is causing these escrow shortages to occur. I want a written response from the company regarding both complaints and resolution. Its unfortunate that I have to submit complaints with the bureau to attempt to get resolution.
Product: Debt collection

The account was placed with our office by creditor XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Creditor retains ownership of the account. This is not a purchased account, the creditor retains ownership. The account was placed with our office for the purpose of collecting. On XX/XX/XXXX our office mailed validation to the consumer to the address on this Complaint. Validation included the Statement of Deposit and signed Lease. The consumer states she does not owe, but does not give any explanation as to why. Without further explanation, the account will continue to report and will not be returned to the creditor. This is the response by XXXX. 

I see that on XX/XX/XXXX XXXX got sued due to " ailing to maintain reasonable policies and procedures regarding the accuracy and integrity of the information it furnishes, including the handling of consumer disputes, failing to conduct reasonable investigations of certain consumer disputes, and failing to cease furnishing information that was alleged to have been the result of identity theft before it made any determination whether the information was accurate ''. 

This company stated on a recorded line on XX/XX/XXXX that this debt have not been validate but yet in XXXX they said it was validated. I spoke to a representative named XXXX in the collections debt. 

This is an assumption that this debt is mines and no validation and verification have been taken place. This should have been before defaming my character and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX, MA is violating my rights under 15 U.S.C. 1681 sections 602a and 604a section 2. By furnishing information on my credit report without written instructionm. I also have not and do not have any contracts or have done business with them ever in my life. They are also violating 15 U.S.C. 1692 by attempting to communicate with me. 
They've posted to my credit report without my permission and it's having an unlawful affect on my credit.
Product: Credit reporting or other personal consumer reports

The investigation for XXXX XXXX XXXX XXXX Creditor : TRADITIONS )/ XXXX Is indeed a violation pursuant to section 623 of the FCRA,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion report, the account from XXXX XXXX XXXX  is shown as open, but on everywhere else that pulls my transunion credit report, it shows as closed. Im not sure whether to report XXXX XXXX XXXX or report transunion. The account is OPEN
Product: Checking or savings account

I opened a new Truist Bank account on XX/XX/XXXX. I had a deposit of {$1800.00}. I went into branch on XX/XX/XXXX and withdrew {$1600.00}. The next day when trying to sign into my bank account, my account was locked. They provided a number to call. I called the number and nobody was able to give me a ln answer as to why the account was blocked. I went into a branch to try to resolve the issue. The bank contacted their team via phone call where they advised the remaining balance of {$220.00} would be mailed to me as a check after 10 business days and I could not withdraw the funds in my account at the branch with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On approximately XX/XX/XXXX, Complainant leased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 
2. Payment amount of {$610.00}, per month. 
3. Complainant, paid Americcredit/GM Finanacial, in a timely manner from XX/XX/XXXX - XX/XX/2020. 
4. On XX/XX/XXXX, Complainant hand delivered a car buy out Casher 's Check in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents ( {$20000.00} ), to XXXX XXXX XXXX. 
5. On about the XXXX day of XX/XX/XXXX, Americcredit/GM Finanacial, reported Complainant 's account as delinquent, and XXXX, without prior notice or any type of due process or equal protection, immediately penalized Complainant with a ninety-one point ( 91 ) deduction from his credit score. 
6. On about XX/XX/XXXX, XXXX  stated that its investigation was now complete. If it was able to make changes to the credit report provided, it has done so. Otherwise we have contacted the company reporting the information you disputed, supplied them the documents you gave us with your dispute, and instructed them to review all information we provided them about your dispute ; information provide us a response to your dispute and update their records and systems as necessary. 
7.Complainant 's credit report, still remains past due thirty ( 30 ) days and listed as delinquent ; still has a ninety-one ( 91 ) point deduction. 
8. Complainant states that this started with XXXX, penalizing him based upon allegations of Americcredit/GM Finanacial, without due process and equal protection of the law. 
9. Now XXXX  telling the Complainant that, its up to the Offensive Party Americcredit/GM Financial to due the right thing. When they both are working hand in hand, to deny the Complainant his due process and equal protection of the law, by penalizing him outside the frame work of those laws.
Product: Student loan

I contacted us dept of ed needle in haystack these ppl have no clues but they are getting enrollment dates from school therefore multiple loans taken out without my knowledge. I had 1 enrollment date XXXX, I was withdrawn on XX/XX/year>, but loans disbursed XX/XX/year> & XX/XX/year>, new enrollment date XX/XX/year>, my last date was XX/XX/year> XXXX XXXX  XXXX was aware, contacted nelnet, us dept of ed no enrollment date, no account. Hard copies of loans still trying to find out where'd those loans go? Disbursement date XX/XX/year> & XX/XX/year> waiting for a signature???? I haven't Been in school since XXXX contacted the School finacial, they hung up, denied calls, no one from Financial got back to me until XXXX, called school asked why they keep enrolling me? XXXX XXXX, and admission hung up multiple times I have every right to be upset as these ppl have done this before it's obvious. US dept of ed not recommended they accept all false info from school to issue loans fraudulently. If I was withdrawn in XXXX why are they still getting loans? Why has us dept of ed erased, deleted all my complaints? Because they did, why is us dept of ed first one we go to file complaint and they us dept of ed turn into " Feedback ''? Those ppl never assisted me nor contacted me they push me off just like most companies and I live in a country where using ones info is allowed? Mortified.
Product: Debt collection

I am writing to express my annoyance and frustration regarding the inaccurate information on my credit report related to the accounts listed below : XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Despite my multiple attempts to resolve the issue, the late payments and negative status continue to be reported on these accounts. It is unacceptable that my family 's exceptional circumstances and financial difficulties due to the death of a close relative are not being taken into account. I want to bring to your attention that I have been in touch with the respective creditors, who have agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. I expect that this agreement will be reflected on my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified in 15 days, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on XXXX.