23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a debt was on my XXXX account in XXXX of XXXX of {$960.00}. I disputed it online and with a certified letter, and within 30 days it was removed. The creditor, Ability Recovery Services, and the credit bureau has now reinserted it back on my credit as of XXXX, XXXX XXXX, and I was not notified of the reinsertion. I spoke with XXXX, and they understand that it has been reinserted and that I was not notified, but refused to remove it from my report. Ability Recovery Services, and the original creditor has never sent me a bill, statement, or documents stating that I owe this. I have no proof that this is my debt whatsoever. Furthermore, the dispute agent from XXXX seemingly accused me of this debt, stating that either it was indeed mine, or I was victim of identity theft. Either way, this was reinstated and I was not notified in writing within the 5 day time period. It is now XX/XX/XXXX and this was reported XX/XX/XXXX, so they have had plenty of time to send me a letter, but when I spoke with them, they disregarded that and stated they would only dispute it again.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$300000.00} ; XXXX XXXX  XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Product: Checking or savings account

I deposited a check in the amount of {$9500.00} through the Bank of America ATM on XX/XX/24 and I was notified that a hold would be placed on the check until XX/XX/24 until funds could be verified. However, on the following day XX/XX/24 when I tried to access my existing funds in my account by using my ATM debit card, my card had been blocked. When I called the Bank to inquire why my debit card was being blocked I was told that my account had been referred over to Risk Management for account closure and that I would have to talk with them for further details. When I finally spoke with someone from Risk Management they were extremely rude and treated me like I had done something wrong and like I was a criminal or something. Anyway they were not very forthcoming as to why they were closing my account suddenly like this and without warning. When I pressed them for more information they finally said that it had something to do with the {$9500.00} check that I had deposited the day before on XXXX via the ATM. I continued to pressed them for more information about the check and I told them that I was aware that the check was placed on hold until XX/XX/24 pending verification of funds before funds were made available, but at that moment the Risk Management agent much to my surprise said that the check was counterfeit which I know was a boldface lie. They had not even started to verify the funds yet and I told them that was impossible and that they just needed to do their job and verify the funds for the check and stop blocking my ATM debit card so that I could access my existing funds so that I could live my life and buy groceries, put gas in my vehicle and pay other normal living expenses. They just flat out didn't care about the financial hardship this was imposing on me and my family. They just simply said that closure of my account was final and that I would receive a check in the mail once the account closure process was complete. The XXXX was non-committal on how long this would take and hold long my funds would be tied up or frozen. As of the date of this complaint XX/XX/24 access to the funds in my account still remains unavailable to me and if it hadn't been for the grace and favor of some valued friends and family loaning us money we would not have been able to put food on the table or put gas in tihe car to run critical errands or go to work and many other encumbrances too numerous to mention here. I want Bank of America to immediately restore my account provide access to all of my funds in my account as well as complete the verification of funds for the {$9500.00} check that I deposited and make those funds fully available to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX  - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian  ) XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX - XX/XX/XXXX ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

C/o XXXX Ive sent you guys enough complaints, that this one is different. As always, someone can say, whys he contacting us, guy is cia living in XXXX. maybe at the end of the day, it all comes down to my email address but if I were to give a thesis on my writings not only to you, I in this situation the person place or thing Im complaining about gives two XXXX my email address and therefore, I understand what you guys do. You guys have one job, to protect consumers. I dont think Im being wrong especially when Im writing you about call it legal stealing cash from me. You know, theres an interesting thing about Bitcoin. I know ya never trace any of those digital currencies, thats not the point in Bitcoin world every breathe in a transaction involving Bitcoin, can be traced. And after they told me confirmed on XXXX, I went to three diff finders of transactions so all you need is either the sending or receiving address. I had both and all three websites stated that those addresses dont exist.? And this ignoring me and I mean, were dealing with money and the way their acting just totally XXXX ignoring me? Can I throw an idea out there? Whose to say cash app, didnt create those two addresses on a seperate server told me all the right things confirmed ya prove it no just ignore me. Ya know, do you notice in their interactions with me not ask what address were they supposed to send it too or from. But the screen shots I have, yo if they say we lost it. Thats my fault? But can you imagine er docs were like Ill get to you by two days. And not once say it was my fault in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Balance : {$4900.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX  XXXX XXXX* Balance : {$13.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX {$0.00}
Product: Debt or credit management

They promised I would start seeing changes in about a 2-3 months. After 5-6 months I reached out to them to see why I hadnt seen much change and they were charging me monthly.
Product: Credit card

In your response to my initial complaint, you stated that during the application process I was advised that I was not eligible for the welcome offer. PLEASE SEND ME all signed documentation that I agreed to & understood that I was not eligible for the welcome offer. As I applied for this card on the XXXX XXXX  in the XXXX sales office, I do not have any copies of this application. I do not recall being informed that I was not eligible for the offer. This is a bait and switch of deceptive sales practice. Do the terms & conditions stating " if you opened a XXXX XXXX card in the last 24 monthshave no merit for your offer? Once again, I am very disappointed in American Express and XXXX. 

Initial Complaint : On XX/XX/XXXX, I applied for an AMEX XXXX XXXX credit card in the XXXX XXXX XXXX in XXXX XXXX, FL using the terminal in their office direct with American Express. The sales person knew I already had a XXXX XXXX XXXX credit card. The promotion was 0 % interest for 15 months and if you charge {$6000.00} in the first 6 months you get XXXX bonus reward points. Upon approval for the card ( XX/XX/XXXX ), I charged {$15000.00}. I still have not received my bonus rewards to date. AMEX is telling me I am not entitled to the bonus rewards because I already have a XXXX XXXX XXXX. According to the terms & conditions, which I have attached, if you opened a XXXX XXXX card within the last 24 months, you can not receive the bonus points. I opened my XXXX XXXX card in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

COMPLAINT AGAINST AMERICAN EXPRESS SERVE My XXXX XXXX autopay was not cancelled like I thought. On XX/XX/2019, {$220.00} was taken out of my AMEX SERVE account. I contacted XXXX and they reversed the payment and sent the money back to my account. 

On XX/XX/2019, the transaction was completed and {$220.00} was posted to my account. Immediately after it was posted to my account AMEX SERVE took the {$220.00} out of my account or put a " hold for review '' on the {$220.00}. SERVE will not tell me why and they claim that they haven't received the money back from XXXX, they only received a notification that a refund was being processed. Which is a lie because It shows in my cometed transactions history the money being added back to my account on XX/XX/2019. I even have the transaction ID #. It also shows the transaction and transaction ID # for the removal of my money placed on hold for review by SERVE. I can not access my own money for 7 days or more. I blew a tire and can not get to work because I dont have MY MONEY to buy a new tire! 

SERVE claims they are not the ones holding my money, they claim it is XXXX bank holding it for review. Even though XXXX reviewed and APRROVED the refund and sent it back on XX/XX/XXXX. SERVE is lying. Its them holding my money not verizon. XXXX reviewed and approved it before they even sent it.
Product: Mortgage

I applied for a loan about XXXX days ago with Ladera Lending and I have been given the runaround about trying to get it processed. I am told that it 's still in underwriting and we are still waiting for a response. I have been waiting for underwriting for about 2 months now and it 's long overdue. They kept promising dates of estimated closing times which never happened and I feel like they are just wasting my time or playing games with me as a consumer. They state that it has been reassigned to another underwriting and that management has gotten involved but nothing is happening.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/year> To whom It May Concern, On XX/XX/year> I looked at my report. I sent a letter to XXXX, equifax, XXXX on XX/XX/year> asking them to re-investigate these accounts : XXXX and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same. 
and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate.

( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
The late payments in question pertain to the following accounts : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts.

I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.
Product: Debt collection

Portfolio Recovery has been calling me since 2002. At first they told me I owed almost {$2000.00} on a closed out XXXX card and had to pay it, I asked what was purchased for that at XXXX and when. The could not tell me when it was purchased but the cost was {$79.00}. I then asked how it became almost {$2.00} and they said that it was never paid and that was the interest that accumulated until the account was closed. I told them it was paid for and they said I had to show them proof of payment. I told them I closed the account XX/XX/XXXX and had no more proof since I had gotten rid of all my old bills. Since then they keep calling me and telling me I have to pay them.
Product: Credit reporting or other personal consumer reports

I received an unknown loan account on my credit report. Which lowered my XXXX XXXX by XXXX points. When I called the loan company which is XXXX XXXX XXXX XXXX XXXX On XXXX they said a loan I got for {$4000.00}. for my son 's college education was sold to them, in which I never received any notification of this at all in writing or otherwise. I thought legally they had to send me this in writing. But I never received anything from them saying I owed them anything. They said they were sending account information and notifications to my son 's email. Which his name is not on the account, and he no longer uses that email or seen anything on that email from them. I also never gave them or anyone else his email to send information too. The person I talked to at XXXX  is XXXX and her XXXX # XXXX. She said she could not give me her last name. So, know they are saying I am 136 days past due on an account I knew nothing about. This is affecting my XXXX XXXX. I want this to be taken off my XXXX XXXX. And all late fees to be taken off my account. Please let me know if you can help me with my case. Thank you in advance for your help. Please also note that my last name was changed from what is on the loan. Due to the fact that I got married. The phone number to XXXX is XXXX. The address to XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX. This is the address XXXX  gave me. Their address on my credit report shows as XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Mortgage

XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX
Product: Mortgage

On XX/XX/XXXX, I received the Satisfaction of Mortgage and Truist Bank informed that there was an overpayment of {$25000.00} that will be deposited in my Truist personal account ending in XXXX between 2-3 business days. 

I have called several times and they kept telling that XXXX XXXX. will be transferring those funds but it has passed almost 40 days without results yet. Today, they asked me to submit copies of Insurance policies for my property and that they will be giving me an answer this afternoon but it is almost XXXX XXXX and they didn't call back. 

I don't understand at this time, which is the reason to hold my refund that long and .I need the money to comply with urgent payments. 

My Truist Heloc Account Number is XXXX and WAS already paid off since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Since XXXX  2024, XXXX/BMO has been reporting that home equity loan has been paid XXXX  days late. It has definitely not. The payment due date is the XXXX. While the loan has been paid late, it has NEVER been XXXX  days late. The servicer DOES NOT give credit on the dates payments have been made. When payments are made at the branch, it takes XXXX days to update on the servicer 's system. Proof of payments are attached. Additionally, a dispute was submitted in writing on XX/XX/XXXX. On XX/XX/XXXX, BMO sent a letter requesting an additional XXXX  days. It is now XX/XX/XXXX and there has not been a resolution or disclosure of their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to respond with the dispute validating or verifying any information. A bill doesn't constitute proof of a debt. I asked for specific information that they failed to provide. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 


Furthermore I have been in contact with the original creditor who has provided different information not matching what limited information they did send. The debt isn't even with their agency.
Product: Credit reporting

The credit bureau is reporting me as deceased. When i tried to go and dispute it, I answered the questions wrong. They asked about a mortgage I did n't even have. The rest of the questions I answered were correct. I am now locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fraud alerts are on my credit report
Product: Debt collection

AS XX/XX/2019, AMOUNT XXXX WITH XXXX I BEEN TALKED WITH XXXX ACCOUNT REPRESENTATIVE I NEVER APLIE ANY CONTRACT WITH PRINT, HOW COME XXXX   SENT LETTER OWE MONEY WITH THEM, AND PUT ME ON XXXX XXXX  XXXX .PLEASE DON'T CHEAT MY SOCAIL INFORMATION, ANYWAY WANT ME PAY OFF AMOUNT THEY WANTED AND 2 PACKED WITH RETUN DEVICE, AS HORRIBLE FOR MY LIFE. I NEVER KNOW THAT AMOUNT AND THE ACCOUNT THEY PUT ON ME, WERE TALKED WITH FONE, AND THEY DON'T WANT HELP ANYTHING, JUST WANTED MONEY PAYING,,, THAT NOT FAIR WHEN XXXX USING WITH I AM THE VICTIM