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

I called Bank of America ( BoA ) today regarding a XXXX XXXX monthly maintenance fee that has been charged to my account every month. I asked why I was being charged and how to avoid the charge. I was advised the checking account product, I think it's called XXXX XXXX XXXX that I have requires I maintain a {$20000.00} minimum daily balance. If my daily balance is less than that amount I get charged {$25.00} for that month. I was charged {$25.00} on XX/XX/XXXX and XX/XX/XXXX even though my daily balance was over {$20000.00}. Those 2 charges were refunded with no issue. 

It is rare I ever have more than a few XXXX dollars in my checking account. I don't remember or have any record of changing my 'banking product ' to agree to a XXXX XXXX monthly maintenance fee unless I keep a {$20000.00} daily balance. I have had the exact same checking account with BoA since XXXX. I don't think I have ever changed my 'banking product '. I asked for proof that I either signed something changing my 'banking product ' and agreed to these terms or that I was notified. The customer service representative was unable to provide this information and stated I've had this banking product since XXXX when I opened the account. 

I explained I rarely have a balance over {$20000.00} and if it was true that this is what I signed up for in XXXX I would have been charged {$25.00} a month nearly every month since XXXX. I have been charged {$25.00} a month since XX/XX/XXXX. I requested a refund for all the charges since XXXX. The customer service rep said the refund requests were denied and there was no way to escalate the issue or request. 

I want to also note that today when I was on the phone with the customer service rep they did change my 'banking product ' for my checking account to a new product called XXXX XXXXXXXX XXXX. This product will only charge me around a {$5.00} maintenance fee if my daily balance falls under {$500.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I checked my credit, wanted to see if everything was in line in terms of timely payments and see if anything was unusual, etc. 

I noticed unauthorized inquiries on reports, I would seek your help to check with institutions why they are reflecting on my credit report.
Product: Debt collection

On my monthly credit card statement was a paypal charge {$8.00}. I checked my XXXX   account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX ( XXXX ) XXXX CA. I called this number and the computer told welcome to XXXX. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft. 

Thank you.
Product: Mortgage

I asked for refinance on our property with XXXX in XXXX XXXX. It was backed by membersmortgage. They took our application since XX/XX/XXXX with around XXXX dollars. The loann originator was XXXX XXXX XXXX # XXXX. Then last week after months of calling and not answering his phone. I left messages after messages without answer. He came back that we were not qualified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Entry Resurgent Acquisitions LLC Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate entry on my XXXX credit report related to an account with Resurgent Acquisitions LLC. The account, which was reportedly opened on XX/XX/XXXX, and subsequently charged off, contains incorrect and misleading information that is negatively impacting my credit score. 

Account Details : Creditor : Resurgent Acquisitions LLC Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off {$490.00} Written Off Credit Limit : {$300.00} Balance : {$0.00} ( Updated as of XX/XX/XXXX ) The primary issues with this entry include : 1. Possible Errors in Charge-Off Status The reported charge-off and write-off may not have been handled properly or may not reflect the accurate status of my account. 
2. Balance Discrepancy My report shows a {$490.00} charge-off despite a {$300.00} credit limit, which raises concerns about inaccurate reporting. 
3. Incorrect Assignment of Debt The account has been noted as purchased by another lender, but I have not received any formal communication or verification regarding this transfer. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this entry be fully investigated and corrected. I am also requesting that XXXX provide validation of the debt, including documentation verifying the legitimacy of the charge-off, account balance, and assignment details. 

If this account can not be properly verified, I request that it be removed from my credit report immediately. Please conduct a thorough review and provide me with an update on this matter at your earliest convenience. 

I appreciate your attention to this issue. Please confirm receipt of this dispute and provide a response within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Followed steps to close an account with Robinhood, and they do not get back to me nor close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( aka XXXX ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to XXXX, my XXXX, XXXX XXXX, set up an auto payment over the telephone with XXXX. ( The exact nature of the relationship of these two entities is unknown. However, XXXX purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by XXXX and the XXXX and XXXX payments had not been made. We received no notifications from XXXX/XXXX that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with XXXX. 

XXXX has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to XXXX and was not past due even by XXXX records. 

I sent this information to the 3 credit reporting agencies. Experian has already responded that XXXX " verified '' the information in the report. However, this is impossible. I sent the payment history from XXXX showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

XXXX 's " verification of the information and Experian 's decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection company has reported inaccurate information to Experian and Experian has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called XXXX XXXX XXXX ( XXXX ) had filed a collection on me saying I had opened an account with them in XX/XX/XXXX, which I had not. I filed a dispute with Experian to remove the inaccurate information and Experian just closed the dispute ( # XXXX ) without any changes being made to my file. 
Since the inaccurate information is still on my file, I contacted XXXX  directly and the representative acknowledged that in fact I had NOT opened an account with them in XX/XX/XXXX but that they had purchased an old debt on me in XX/XX/XXXX. The debt they purchased was opened in XX/XX/XXXX and the last activity on it was in XX/XX/XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the XXXX representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with them in XX/XX/XXXX. 
I called Experian and asked them to remove the inaccurate information but they said there was nothing they could do about it since XXXX says it is correct.
Product: Credit card or prepaid card

I have had the same American Express Hilton Honors Card for 13 years and it has been the primary card I use for 80 percent of my purchase transactions. I have been paying off the balance on this card every month with the same Online Bill Pay transaction process from the same XXXXXXXX XXXX Checking account. 

On XX/XX/XXXX. 2020 I made a payment in the amount of {$1300.00} to American Express from my XXXX Checking account via Online Bill Pay which was successfully withdrawn from my account. The funds were never applied to my AMX credit card.

I filed a missing payment dispute with AMX immediately and was requested by AMX to send them the payment details of the transfer which was provided to them by XXXXXXXX XXXX. 
The details included in the funds transmittal from XXXX were : Electronic Trace Number File Trace Number Pay To Account Number Payment Amount Payee Routing Number Payee Bank Account Number After receiving the payment details from XXXX, AMX responded and indicated that their back office could not find the payment and closed the dispute. 

I opened a second dispute, where XXXX Bank for the second time provided proof of payment to AMX in which they responded that if the payment was successfully sent they would have applied to my account.

It is now six months later I have filed 5 additional disputes with AMX. AMX has replied with similar but different vague answers and closed the disputes. XXXXXXXX XXXX has also continued to provided payment details to AMX and contact their back office. AMX back office has however refused to speak with XXXX to resolve the issue or review the transaction details. 

I have called AMX customer service 13 times over the last six months and have asked for a direct contact to resolve the issue. I have talked to 3 different floor supervisors with no help or resolution. The last contact I had with AMX was with a supervisor XXXX in which he escalated this to upper management. He contacted me on XX/XX/XXXX and indicated upper management was taking over the dispute and I have not been contacted from AMX since.

This morning AMX again closed the payment dispute and are demanding payment. 

I myself and my bank have provided evidence and proof the payment was successfully sent and received by American Express. American Express has or can not provide any evidence they did not receive the funds. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute along with a police report in XXXX to EquiFax that said the account they have listed for me was fraud. The account is XXXX XXXX # XXXX. This account is fraud and it should not be on my credit report. I sent in a 2nd police report in XXXX, it also came back verified. The same thing happened on XX/XX/XXXX I sent it a police report along with proper disputes thats said the XXXX XXXX Account is fraud. They verified it to be accurate. So I sent one with XXXX XXXX name and account number listed on the report in a XXXX attached the proper disputes and they verified it again as accurate. Meanwhile both XXXX and XXXX has removed the fraud account its been removed from their file as of XX/XX/2019. EquiFax keeps coming back saying its verified and Im wondering how is this possible if the account was fraud? Please help me, they are saying even with the police report I can not get the fraudulent account removed because XXXX XXXX keeps verifying the account. I thought they had to investigate beyond what XXXX XXXX is saying? This is not my account and I dont want to be responsible for paying it.
Product: Credit reporting or other personal consumer reports

The following errors appear on my credit report and I request a formal investigation into the accuracy of the information : Late payments on accounts # XXXX # XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Specifically, I am citing the following provisions to support my request for an investigation and the removal of the inaccurate information : 15 U.S.C. 1681b ( e ) ( B ) : This section stipulates that consumer credit information reported to third parties must be accurate, complete, and used only for legitimate purposes. If the reported information is not accurate, it must be corrected or removed. 
15 U.S.C. 1681 ( a ) ( 15 ) : This section requires that all credit information reported to consumer credit reporting agencies must be accurate and up-to-date. Any incomplete or inaccurate information must be updated or deleted in a timely manner.

15 U.S.C. 1681i ( a ) : This section requires that once a consumer disputes an item on their credit report, the credit reporting agency must investigate the issue within 30 days and remove or correct the information if it is found to be inaccurate or unverifiable.

I respectfully request that you investigate these inaccuracies and remove or correct the incorrect entries on my credit report. Attached, please find supporting documents, including [ list any supporting documents, such as bank statements, payment receipts, etc. ], to assist in the resolution of this matter. 

Please confirm receipt of this letter and inform me of the results of your investigation. I expect your response within the 30-day period allowed by law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX. 
Account XXXX : XXXX
Product: Bank account or service

I was offered XXXX Thank you points from Citibank to open a CitiGold checking account in late XXXX. After finally taking advantage of the offer, I called to verify with Citi the first week of XXXX XXXX to verify that in fact I would receive the bonus points as I knew this account costs {$30.00} each month and I did n't want to waste my money. Just to further verify, after I transferred money to the account on XXXX/XXXX/XXXX I decided to get that verification in secure chat to add to my documents. The representative then verified what I would need to do to get those bonus points and I took the screenshot. Citi is now not honoring these points after already withdrawing {$60.00} from me for the monthly fees and saying I have to provide proof of the initial letter in XXXX. Good grief, a letter from XXXX? I feel that Citi is gathering fees and when it 's time for them to pay their end of the bargain, they reverse course.
Product: Checking or savings account

I have tried countless times to register my account/Debit card with XXXX  and it has continuously block to me referring me to talk with my bank ( PNC ) each time my bank has told me the problem is fix, And I still am getting the same results!! .. my account getting blocked due to the Financial institution I bank with ( PNC ) .... HELP!! ..
Product: Credit card or prepaid card

XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

it just so happened that they keep taking money out of my bank account, and i don.t see no change on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed disputes to XXXX, Experian, and XXXX. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.
Product: Consumer Loan

I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed other consumer reporting agencies continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated XXXX Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, XXXX XXXX XXXX  and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and XXXX continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018
Product: Mortgage

I am an XXXX XXXX XXXX in the XXXX. I recently sold my property, the property closed on XXXX XX/XX/2023 ; Cross Country Mortage ; the lender was to issue me an escrow refund in the approximate amount of {$5600.00} and some change. I was not aware of this until I actually contacted XXXX XXXX for another issue. Cross Country informed me they sent me the escrow check on XXXX XX/XX/2023. I currently have mail forwarding to my new address and did not receive the check. I called them back approximately on XXXX XX/XX/2023, and updated my address with them so they would reissue the check to my new address. Cross Country informed me it could take XXXX weeks to reissue the check. I still have not received my money, I called Cross Country mortgage on XXXX XXXX XXXXCross Country told me they had not reissued the check as of yet and it would take 30-90 days to reissue the check. I just moved across the entire country that is not a cheap move, I need this money in a timely manner. I believe they are not going to send me my money in timely manner. I have never missed a mortgage payment and they are sitting on my money accruing interest. They will not send my check with a tracking number at all, they stated they send all checks regular mail.
Product: Mortgage

What was supposed to be a quick, streamline re-fi process has turned into a 4 month nightmare with Wells Fargo and XXXX XXXX XXXX XXXX. I started my re-fi process with Wells Fargo in XXXX and it is now XXXX and they are still asking me to re-submit more documents for the third time! They have told me several times " You are conditionally approved and it is going to closing '' yet now four months later we are still no closer to closing, and they are again asking me to resubmit documents that " they ca n't find '', although they were submitted electronically Wow! Can there be that much incompetency in XXXX large lending corporation? After reading the complaints about Wells Fargo, I think there 's more to it and they are using stall tactics. I even contacted the Regional Vice President and once she found out that it was not a commercial loan but a residential loan, I have n't been contacted again. Wells Fargo needs to be investigated and monitored by a government agency immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list erroneous information on my credit file pertaining to my student loan - I was never late - which is causing my low credit score which is, during these current times, denying me access to much needed loans. Experian does not process my disputes in a timely fashion and/or does not provide me with written substantiation.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX