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

Hello there, I complained about my saving account ended by XXXX. I transferred money back to my bank account. I found out that my lock was locked on XX/XX/2021. I complained the quality of service ( QoS ) 1. I chatted online. He told me to call XXXX to unlock it. I called the umber. It was out of office hour. 
2. I chatted online again. He told me to call the same number with option 2, option 1. The CSR asked me to write a letter to Citi without any instruction. It was so weird. She can not sent me an message to XXXX. But she called me to verify it. 
3. I called again. The CSR verified my information by text message with the same phone number. He told me the department is closed and office hours 8-6 but online chat told me it is 24 hours. 
4. I called again next day. He could not send me text message and call me to verify my info. It is ridiculous for the same company, they dont have the same quality to keep the QoS. He told me my account was unlocked. When I tried to transfer again. He told me I had to send my utility bill with fax number XXXX. He tried the XXXX XXXX but the citi used my discontinued phone XXXX, which was not in my profile at least 3 months ago. I dont know why they keep the old number there. I did not fax the documents as required. 
5. After I complained, Citi Executive Response Unit contacted me on XX/XX/2021. She asked some information, but she is not that helpful. She can not make final decision. She called me 3-4 times and sent 12 emails to ask my three different utility bills : Electric bill, Cable bill, and city water bill. To verify my information. However, until today ( XX/XX/2021 ), my saving account is still locked. 

I can understand citi want to keep the account safe to lock it. However, it does not have QoS to unlock it. I spent almost eight hours and 31 days so far without unlocking my account. Please close my account and mail a check back to me by home address or mail address : XXXX XXXX XXXX XXXX XXXX, GA XXXX OR XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX GA XXXX. 
It is very horrible experience and one company very excited to torture it customers. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX. 
Account Number : XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX
Product: Debt collection

I was notified by XXXX ( collection agency ) that I owed a debt from a red light ticket XXXX from XXXX of 2014. I never received verbal or written notice from XXXX XXXX and was only contacted by XXXX. This resulted in a debt collection and negative mark to my credit score.
Product: Checking or savings account

My current bank, BBVA was bought by PNC. 
The transition took place on XX/XX/XXXX. 
I have 5 accounts, 2 personal and 3 business accounts. It took 2 visits to the branch and a total of 6 hours for them to give me access to my 2 personal accounts. 
I still can not access my 3 business accounts, which I use on a daily basis to operate my businesses. 
I have spent HOURS on the phone and 6 hours in person at my local branch attempting to access my account information- and now here I am, 7 days later still unable to gain access to my 3 business accounts. 
I am not the only one in this predicament as every former BBVA branch in XXXX is overrun with irate customers in the same situation I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to Equifax, XXXX and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/XXXX  XXXX
Product: Credit card

I recently pulled my credit report I found Bank Of America reporting a charge off as an authorized user the acct was opened XX/XX/XXXX and closed XX/XX/XXXX I never authorized anyone to put me on that acct please have them remove it aspa.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and their continued incorrect reporting of a charged-off account on my credit report, which is now managed by XXXX XXXX XXXX a collection agency. The account in question was charged off and subsequently sold to XXXX XXXX in XXXX. Despite this, XXXX is still reporting the account as a charge-off under their management as of XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ), furnishers of information are required to promptly update and correct any inaccurate or incomplete information reported to credit reporting agencies. Furthermore, Section 623 ( b ) ( 1 ) mandates that furnishers investigate disputes received from credit reporting agencies concerning the accuracy of information reported.

This misreporting has adversely affected my credit score and my ability to secure credit, and it appears to be a clear violation of my rights under the FCRA. XXXX failure to report the accurate status of this accountspecifically, that it has been sold to a collection agencymisrepresents the actual status of the debt, thereby impacting my creditworthiness.
Product: Checking or savings account

In XXXX I received a call from someone posing as a Bank of America associate. The phone number was spoofed so it reverted back to bank of Americas fraud department so I was sure I was speaking with the bank itself. The person I spoke to used the information I provided to gain access to my online account and transfer {$20000.00} from my savings account via XXXX to their personal account. I called Bank of America back when I realized what happened and submitted a claim to try and get my money back and was pretty much told that it was my fault and that there was nothing that could be done in order to get my money back as it looked like I just transferred the money myself which was not the case.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

First Franklin has consistently violated the FDCPA and the FCRA. First Franklin is attempting to collect a debt not owed. The tactics being used have caused marital instability, ruined my reputation, and prevented me from securing funding to support my family. A sherrif was sent to my home which caused XXXX  and XXXX  for myself and my minor children. I deny any resposibility to the alleged debt and it has been disputed with First Franklin. First Franklin is inserting inaccurate and erroneous information and failure to indicate the account is in dispute on my credit reports is a violation of my civil rights and the law oulined in The Fair Credit Reporting Act 15 USC 1681.
Product: Credit card or prepaid card

Hi I was a victim of identity theft and my XXXX credit score was at XXXX and I open up a dispute with my credit bureau and I received a email alert from American expresss and they lower my spending limit to XXXX due to my credit score is low and I explain to them that I paid my credit cards on time and I have few accounts on my experian credit report are fraud American Expres told me that I need to to fax in my tax returns and my bank statement and they are closing my account soon and didnt want listen to my situation and made it so hard for me ... .. and I spoke to a supervisor and he was rude to me and called it night and I called XXXX fraud dept and told them about my American Express account and they didnt want to assist me and hung up on me three time and stated that I need to call the next day because they will be closing in 15 mins .... and experian refused to assist me and American Express dont want to contact experian ....
Product: Debt collection

I was sent a bill for something I feel I don't owe, CMRE financial services is sending me a bill to an address I have not lived at in over 15 years. When I lived in in California I always had XXXX  to cover any medical expenses. I fell they are fraudulently trying to collect on something that is not mine. I demand that cmre financial services send me proof of this Bill in writing as required my the fair Credit reporting act by 5 days of receiving my request.
Product: Credit card or prepaid card

InXX/XX/2019 an exchange was done in store by sales worker that was an even exchange. I never heard anything from this credit card company until XX/XX/2019 when they were reported a late balance owed. After reviewing my account with a customer service rep in XX/XX/2019 they verbally agreed a mistake was made with billing and fees occurred over the entire year of XX/XX/2019without me ever being notified. They assure me they fixed the issue. Then in XX/XX/XXXX I got another email about a balance. This time they were not helpful when I called. The XXXX cent difference in the incorrect exchange got added to my account not until XX/XX/19 listed as a LATE FEE. Then every month the company added Late Fee 's and Interest Charges to the account without notifying me. Statement history shows past due balances for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and yet none of these Past Due payments were ever sent to credit bureaus or myself until XX/XX/2019 ( all statements will be attached ) They agreed that this was all their error and never fixed the issue. I have tried to dispute with credit bureaus and they are not updating my files and this is damaging my credit for something that was company error. I feel they should not have any late payments on my credit history as they had not ever notified me of these illegal charges and they owe me the money I paid to close the account in good standing because they were reporting negatively to the credit bureaus and damaging my credit.
Product: Debt collection

I do not owe the rental company any money, they were in breach of the lease and forced me to move. I signed a lease for a smoke free building and it was not smoke free - there was excessive cigarette smoking inside units all over the building. Complaints went completely ignored. When I told them I had to move out due to a XXXX condition, I gave them the courtesy of XXXX  days notice, while living elsewhere because I could not breathe. I confirmed with management that the XXXX months covered the broken lease fee of XXXX months. Then, many months after I moved they decided I owed XXXX more months and sent it to Genesis for collections. Neither the property, nor Genesis will acknowledge any of my communications regarding the matter. Genesis then took it a step further by calling my elderly parents and trying to scare them into paying this debt. When I complained, they ignored me. The matter is under current investigation by the XXXX XXXX division of the NYS Attorney General. This matter should be suspended until the AG makes a determination. If they deem I owe money I will pay it, but until then my vredit should not be destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES 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  XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I am applying for a business line of credit. The bank informed me that it can not approve me because there is an account in collections on my credit report. The collections company is Choice Recovery Out of XXXX Ohio and they are collecting for a company called XXXX XXXX XXXX. According to my XXXX  Credit report the account was opened XX/XX/2014 and has a balance of {$580.00}. After several calls to Choice Recovery inquiring as to the reason for the debt one of their representatives informed me that the original company XXXX XXXX XXXX  has been dissolved and they have no information about the original debt. When I asked about how they would contact XXXX XXXX XXXX I was told that there was no phone number only a XXXX   XXXX XXXX, XXXX Fl XXXX. The following address and phone number listed on line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida USA Phone : XXXX. 
The phone number is disconnected. 
Prior to this I have never even heard of XXXX XXXX XXXX and have had no dealings with them. 
A XXXX search of XXXX XXXX XXXX revealed numerous complaints of people whom have experienced the same things : XXXX XXXX XXXX XXXX XXXX XXXX Choice Recovery Inc has 127 complaints with the better business bureau : XXXX : XXXX I have already filed a dispute through XXXX  and was told that it would take up to 30 days to get a resolution. 

Thank you for your time and consideration in these matters. Your anticipated assistance and prompt reply is greatly appreciated. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I XXXX XXXX, XXXX XXXX XXXX, XXXX SC, paid my debt to XXXX XXXX   for {$62.00} and to their partner Company XXXX XXXX I paid my debt for {$280.00} I have contacted the company on many occasions to get a " : paid letter '' '' Every time I call I am told it was mailed. 

So far I have been told this 4 times including today XX/XX/18. The credit department says contact the post office. I don't feel I need to do this since I have not had any other of my mail not received including electric bill, phone bill, cable bill, water bill, and 12 credit card bills, as well as misc mail. It seems very odd that this is the only document that seems to be missing even though I was told it was sent 4 times already. 

I need these letters to prove to my creditors they were paid before I can do any more business with them XXXX XXXX XXXX phone is XXXX XXXX XXXX my acct # XXXX XXXX XXXX number is XXXX XXXX XXXX my acct number XXXX All they know how to do is say " we will mail it again '' '' I paid the first bill on XX/XX/18 and the second one on the second one a week or so later.

All I want is my letters showing these accounts are paid in full and have been getting a run around for two months. 

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

I have contacted Trans Union on XX/XX/XXXX about an inaccuracy on my credit report with my student loans. I told them that i am trying to get a mortgage and the i need to dispute four late payments that were deferred at the time. They told me they would dispute it and i asked if i could send the documents that i have to support my claim they told me i would have to go to the website on there page under disputes to upload my documents and put the dispute in myself. I tried to get on my account but could not i called back they told me i would have to call a different number i did that number told me to call another number i did to no avail i could not get anyone to help me. Then on XX/XX/XXXX i finally got into my account and filed a dispute and uploaded my documents. I called on XX/XX/XXXX at XXXX XXXX   and i was told they could not help me and hung up on me. Called back to speak to a supervisor the supervisor XXXX told me he would put the dispute threw for me. I asked if the dispute from the XXXX went threw and he tells me no. He tells me he put the dispute in form me.But know i can not get on my account again to check it and every time i call trans union they will not help me or answer any questions about my dispute. I need to get this correction and i can not seem to get any help with disputing this inaccuracy. I need help please