23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I deposited {$190000.00} into my business checking account from sale of real property. The check was from a XXXX escrow account. Bank of America placed a hold until XX/XX/XXXX. 

On XX/XX/XXXX I called to inquire about getting the hood lifted sooner. The Bank of America XXXX escalated me several levels and I was eventually told that Bank of America had placed a hold on its end at its discretion. They also advised the hold was even extended longer to XX/XX/XXXX based on information they received but would not tell me what this information was. I inquired the reason for the hold and was told there is no one at Bank of America I can speak to by phone who will have the information regarding the reason for the hold. After expressing that someone must know and demanding to speak with someone, I was given an email which I wrote to and was then ignored with no return response. 


I believe this may be a practice of Bank of America. I suspect they may be placing arbitrarily long holds on large deposits to bolster their liquidity. This amounts to helping themselves to a XXXX interest short term loan of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2
Product: Credit reporting or other personal consumer reports

My original loan servicer, XXXX XXXX, student loans are still appearing on my credit report despite being transferred to XXXX as of XX/XX/2023. There were no actions taken to remove these loans from my credit report, despite no longer having any open lines of credit with XXXX XXXX. This information is being inaccurately displayed on my credit report. See attachments for proof of transferred loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning with my Specialized Loan Servicing ( SLS ) statement dated XX/XX/XXXX, the payment amount due apparently increased while I continued to pay the previous amounts that I had been paying through an automated payment system. This new " amount due '' increase seemingly caused a shortage in my monthly payment amount. In XX/XX/XXXX, SLS began retaining a " suspense '' account as I continued to pay my regular monthly payments. Each month there were fees and late charges added and a continued 30 day late notice was also added to my credit report. These suspense holdings continued for the next several months ( from XX/XX/XXXX thru XX/XX/XXXX ). Each of the concurrent months also added an additional 30day late notice to my credit report. Once such suspense holdings was recognized, I promptly made the necessary payments to bring the suspense holdings into current payment status and have not had an issue since and remain in good standing. Attached please find documents that support the above statement. The statement file labeled and dated XXXX shows {$0.00} in the " suspense '' category ( located in the first box on the right beneath the property address ). Beginning with attached file and statement dated ( XX/XX/XXXX ), you begin to see the suspense holding numerically populated. In this XX/XX/XXXX statement, suspense holds ( {$1500.00} ). This continues in each consecutive month thereafter with varying amounts being retained and reported until we reach the XX/XX/XXXX statement that shows a XXXX. At some point between the XX/XX/XXXX and the XX/XX/XXXX statement, the problem was recognized and immediately rectified bringing the " suspense '' to {$0.00}. Had my payments been " rejected '' and not accepted and held in " suspense '' without my knowledge, I would have recognized that the payments had not been processed and made the necessary corrections immediately. These tactics are undoubtedly attempts to charge extra service fees, while simultaneously damaging a consumer 's credit reputation. I am requesting that Specialized Loan Services remove the 30 day late notices from all credit reporting bureaus dated from XX/XX/XXXX thru XXXX of XXXX for the reasons explained above. Thank you in advance for your assistance with this matter. XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Koalafi is charging for my car repairs including saying that they are renting and leasing my own car for car repairs? Can they tack on rental AND lease charging for car parts? this does not make since!? 

Date of transaction : XX/XX/XXXX Amounts being charged : XXXX XXXX cost @ XXXX XXXX XXXX # XXXX : {$3500.00} within XXXX mo. or falter to Koalafi lease-to-own total Charges : {$650.00} per mo. for a rental / lease Koalafi Total Ownership Charges : {$7900.00} in XXXX RENTAL payments Koalafi charging a minimum of {$1800.00} plus {$49.00} ( and Paid ) initial payment I'v contacted this company on XXXX XXXX, XXXX, XX/XX/XXXX, & XXXX via phone and email to make some kind of arrangement to be denied after getting a email from them to call and make arrangements! I am at my wits end with this company. 
Most of the reps were not able or refused to help me. They state that they can't or won't provide documents that I requested. I asked for my initial application proving I am credit worthy, my income verification and how much I am approved for and they will NOT provide this information stating they don't have ACCESS to that information .... 
After speaking to a Supervisor ( I'm told ) that they will NOT revise this contract, even though I'm on a fixed income. 

I ask how did they determination how much am I approved for and they could not or will not give me this information! They stopped talking to me and said that if I don't comply, I am to remove my car parts and return them the car repair place or they will repo my car in XXXX for parts! I DON'T UNDERSTAND!! 

Please see contract that I had NO opportunity to view before signing! I had to wait until I got home to see it. Once I saw the terms, I was shocked! I don't understand. I've spoken to the company. Their charging cost of rental of {$4400.00} my car! 

Please help, this company is a Predatory actions to acuire property! 

I Thank You in advance, XXXX XXXX XXXX can the charge me for car parts in excess of the purchase price?
Product: Mortgage

XXXX paid additional principal I have to call in to verify that principle was paid. 

XXXX paid additional principal, mortgage company received money and returned the payment. 

XXXX paid additional principal, company did not decrease mortgage balance. Balance remained the same. 

XXXX paid additional principal, principal balance not reduced, payment applied to a suspense account. 

I am NMLS licensed XXXX and this company fails at any form of servicing competency.
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I obtained my credit report and realized that and XXXX and Experian Is reporting bankruptcies on my credit that i did not authorize
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX  XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXXXXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.
Product: Debt collection

I have good credit this item showed up on my credit report recently when my score dropped i checked my report and this item was on their opened XXXXXXXX XXXX for XXXX Direct energy never opened account been with current provider for XXXX years and believe this is an error on theirside. 
Collection Agency CREDIT SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$980.00} Amount {$980.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 i have no knowledge of this account and i never received and notification by mail or phone about this account if there sending anything its not to me, would like to resolve and remove this from my XXXX and XXXX not on my XXXX. i have disputed this item researched debt i can't find anything to support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 180 ) days late on the ATTORNEY GENERALXXXX account number XXXX. ( Please see page attached from my credit report. ) My XXXX XXXX obligations have been met and I have attached a copy of the Release from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Product: Debt collection

This collection is being reported as current and is over 4 year old.
Product: Debt collection

XXXX/XXXX/XXXX received debt collection notice from Dynamic Recovery Solutions. I responded on XXXX/XXXX/XXXX asking them to validate the debt because I have never had a creditor by the name they indicate and I have never owed a debt in the amount indicated by Dynamic. I never received any response. Then on XXXX/XXXX/XXXX they sent another collection letter. I still have not been provided the information I requested and I have advised that this is not my debt.
Product: Payday loan, title loan, or personal loan

I borrowed money from XXXX XXXX XXXX  several times. Always I have paid my loan faithfully and diligently. I even pay extra each payment to try to pay down the principal sooner. This time I a struggling to make the payments due to loss of income. I reached out to them but because I have not defaulted they would not offer me any assistance with this. They said because I have paid my payments they can't help unless I have a returned payment. This seems contrary to what any reputable agency would advise. Why not help someone when they are trying to not default or cause an issue.
Product: Credit reporting or other personal consumer reports

Withholding my ability to see my overall report. Credit bureau stated my info was incorrect when it was. Items that have been paid off are showing as still open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are three letters I sent CERTIFIED along with notarized statement proving I am who I say I am. You will see I cited FCRA law stating they have to keep a copy of the ORIGINAL creditors documentation on file to verify that the information they maintain under my name, in my file is mine and CORRECT ... .They respond " VERIFIED '' but they never send me specific information : who did they verify this with? name? contact info? ext number, etc. 

Furthermore, they NEVER provide me a copy of any ORIGINAL documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my legal signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Please review all three letters and their BEFORE/AFTER response. They have not done what has been asked of them They pencil whip me with little changes here and there with NO PROOF OF ORIGINAL DOCUMENT AND LEGAL SIGNATURE. Anyone can apply for credit online without signing my legal name. If it doesn't have my legal signature it is not my account. 



I demand, under my FCRA rights, that all accounts that can not be verified under the law, information provided to me rather than them just saying " VERIFIED '' the account be deleted immediately and a new credit report sent to me with my score. I have played their game long enough. 


Same is true of Hard Inquiries. They have no proof they were made by me. Delete them immediately. I have contacted every company and they agree, " we have nothing on file and no account with us ''
Product: Credit reporting or other personal consumer reports

I found on the XXXX XXXX XXXX that I was charged XXXX points on my credit card, but it wasn't my card that caused the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/2023 Compliance Department XXXX XXXX Attn : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : LVNV Funding LLC ( LVNV ) Account Number ( s ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Experian over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Experian is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 

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

I received a bill from XXXX in the amount of {$130.00}. I instructed XXXX to discontinue my service on XX/XX/XXXX, turned in their equipment to XXXX  two days later, and had already paid the bill for the month of XXXX in advance. XXXX decided to discontinue my service XX/XX/XXXX, nearly a month later, then sent me the bill for their failure to discontinue the service on the date I requested. If their equipment was returned in on XX/XX/XXXX then I had no service for them to bill. I tried to explain that to XXXX when I responded to their bill in writing, but did not get a response from them. Shortly there after, I received a collection letter from XXXX XXXX, XXXX, Texas. I responded to XXXX XXXX in writing with a sequence of events between myself and XXXX explaining why I didn't owe them anything and enclosed a copy of the letter I sent to XXXX. A few weeks later, XXXX XXXX sent me a notice on their decision to stop collection efforts and I figured that was the end of it. Well, around XX/XX/XXXX I received a collection letter from Collection Bureau of The Hudson Valley on behalf of XXXX in the amount of {$130.00}. It is my belief that XXXX is using collection agencies to harass me for a bill that is not owed.
Product: Checking or savings account

I hope this email finds you well. I am writing to express my deep concern regarding the current situation with my checking account. Unfortunately, I have been experiencing significant difficulty accessing my account, and despite multiple attempts to resolve the issue through my local bank branch, the problem remains unresolved. 

To provide you with more context, I have been encountering persistent errors when attempting to log in to my online banking portal or access my account through the mobile app. These errors have persisted over the past XXXX weeks, and despite following the troubleshooting steps recommended by your customer service representatives, the issue persists. 

Furthermore, my recent visit to the bank branch yielded no tangible solutions. The staff was unable to identify the root cause of the problem or provide me with any meaningful assistance beyond suggesting the same troubleshooting steps I had already attempted. 

Given the importance of accessing my checking account for managing my finances and conducting day-to-day transactions, this situation is incredibly frustrating and concerning. I rely on the services provided by Citizens bank to meet my financial obligations and conduct my personal and professional affairs efficiently. 

Therefore, I kindly request your urgent intervention to resolve this matter at the earliest convenience. I would appreciate it if you could assign a dedicated support representative to investigate the issue thoroughly and provide me with a comprehensive solution as soon as possible. 

Additionally, if there are any alternative methods of accessing my account or conducting transactions temporarily while this issue is being addressed, I would greatly appreciate your guidance in this regard. 

Please treat this matter with the utmost urgency, as it is causing me significant inconvenience and distress. I trust that your team will prioritize this issue and work diligently to restore access to my checking account without further delay. 
Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution. 

Sincerely,