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

On XX/XX/2022 I received notice from XXXX regarding fraudulent activity at Bank Of America in relation to my identity. I called BofA and was transferred several times to various departments. The last woman I reached confirmed an account in my name and began trying to close it. She left me on hold for 3 hours and never returned to tell me it was resolved. Today is XX/XX/2022 and I received a new notice about fraudulent activity at Bank of America. It seems BofA does not want to help me. I am not a customer with BofA but this is my identity being used at their bank. I have been on phone for 3 hours and continue to get transferred to representatives who claim they can not help me because I must speak to another dept. I have spoken to 5 people today and there seems to be no end in sight. Bank of America seems to have no idea how to resolve claims of fraudulent activity as they continue to transfer me to the same departments which are located in different cities. These are unacceptable business practices and are a prime reason why I do not use banking services at Bank of America. Based on federal law, there should be clear cut ways to investigate and scrutinize any question regarding the validity of an account or the information provided to secure that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX and XXXX XXXX on both days trying to cash a check that was written to receive cash back. The company Certegy Payment Solutions sent me a report back stating that I had return checks on their system which I found out later they did not. They could not even find a report showing that I had cashed any checks. But when I was in the store trying to cash my check the store would not accept the checks - only written for the amount owed. I wanted to get cash back from my checks. For example, If I wrote a check for {$50.00} dollars and wanted {$20.00} back their system would not accept it. The Manager at both stores indicated that they could not tell me why because they did not have any return checks on file. I have a report listing the checks that had cleared and went through their system by Certegy Payment Solutions but no cash back. 

When I tried to ask them why my checks would not clear they could not give me a clear answer and the checks listed are no longer in their system. I have enclosed a copy of this report to you and also copy of the checks I could not write for cash back. 

Please clear this matter up for me, because it is so embarrassing to go into a store trying to write a check for the goods and requesting cash back with both the Manager of XXXX XXXX and XXXX XXXX plus Certegy Payment Solutions not giving back information as to why my checks would not clear for cash back. 

Thank you! 
XXXX XXXX
Product: Debt collection

Phoenix Financial Services has repeatedly re-aged a collection amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX. I have brought this to their attention as well as to all three credit bureaus. In XXXX, it was removed and they denied the re-aging. In XXXX, they have re-aged the debt claimed again as if it were new. This has been re-aged multiple times over the last XXXX years even after I have complained and brought it to their attention. I want this debt removed immediately from all three credit bureaus and all collection efforts ceased. If this is found to be a repeated pattern of this collection agency, I believe they should be heavily fined, prosecuted and a potential class action lawsuit evaluated. This has negatively impacted my credit score several times now. If I have to I will request a copy of my consumer file from each agency at my expense to show the history. Or, they could just STOP. 
Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Amount {$250.00}, indicated as new XX/XX/XXXX
Product: Checking or savings account

XX/XX/2020 At XXXX XXXX I walked into my Bank of America branch in XXXX XXXX Virginia and deposited a check for {$2200.00} before depositing this check I was not explained policies of Bank of America as far to as how long they could hold my money ... as it stands they have put a hold on my check for over two weeks and has changed the date of availability of funds three different times they changed it by email they changed it by phone conversation and none of that matches up with the receipt that they gave me when I left the bank.. they first told me that my because my account was not 30 days old that they placed a hold on it and then an email they sent me they said a hold was placed on my check because specific information indicates this item may be returned ... it's kind of ironic information because Monday I deposited a check from the same exact company and the money was available next day ... when I called Bank of America Corporate I was told by not a teller but by a manager that Bank of America have the right to hold the checks for as long as they want and that they did not have to adhere to Federal Regulations whatsoever in fact they've never even heard of federal regulations not even regulation CC ... I implore you to investigate this for me please because it seems like an extravagant amount of time to clear my money especially during this National crisis that we are facing ... 
XXXX XXXX
Product: Credit card or prepaid card

This year, I purchased a book through the XXXX company and I used my Citibank Costco to make this purchase.

Then, many months later, my wife 's Citibank Costco Card was stolen and our entire account number was closed and Citibank reissued us a new Citibank credit card. 

Then, sometime after the Citibank credit card was reported stolen and number shut down, the company XXXX XXXX ( XXXX XXXX XXXX, XXXX ) charged my old Citibank credit card and Citibank allowed the transaction to commence, since I had used the Citibank credit card to make a prior transaction on it. Citibank is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. XXXX is claiming that I had signed up for a membership. And as such, they charged the Citibank credit card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX company under this new charge with Citibank credit card on XX/XX/XXXX and two transactions on XX/XX/XXXX, totally {$95.00}. 

I disputed the charge with Citibank credit card, but Citibank claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

CITIBANK SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Citibank!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!
Product: Mortgage

I submitted a complaint in XX/XX/XXXX. I worked with Citi Mortgage and completed all needed paperwork and sent all needed forms in. I also sent {$2000.00} to start paying my loan. I sent the payment in in XX/XX/XXXX. The money was accepted and I went to the foreclosure meeting and informed the attorney ( Citi Bank attorney ) that I sent in a payment. She was very surprised. I completed all the paperwork as given in time. I spoke with XXXX XXXX XXXX and she informed me that she received all the information and that it was being processed. On XX/XX/XXXX I received the {$2000.00} check back with a letter dated XX/XX/XXXX. I also received a letter stating Citi Mortgage was selling my loan to XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. They provided me with account number and contact information to contact them after XX/XX/XXXX. I scheduled a telephone contact with XXXX XXXX and she told me the modification was not completed and to watch my mail for information on it. I am confused if they have sold my loan how are they still working on the modification?. XXXX XXXX stated that Citi was not servicing loans anymore and it had nothing to do with my pay status. XXXX XXXX also said that she needed other paperwork after thanking me for sending in all needed paperwork with no further request from Citi Mortgage. I contacted the new agency on XX/XX/XXXX and was told they had no information of my account and that they did not know what my payments were and anything about my loan. I feel that Citi Mortgage is trying to make me loose my home. My credit rating is in the dumps and I can't help myself with this matter please help me this is my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I got a {$600.00} loan from Koalifi West Creek Financial. With the loan about XXXX points were deducted from my XXXX credit score The loan was paid on time in good standing. I only received XXXX points back to my XXXX credit score after the Koalifi West Creek Financial loan account was paid/closed XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following disputes ( complaints ) : 1. After calling all of the Experian 's phone numbers listed on Experian 's website or other sources, I never could speak with a real person. I got the same computer generated menu from each phone number that did not address my problem and would not allow me access to a real person. I need a phone number where I can speak with a real person that is knowledgeable about my account and their business. 

2. I want a knowledgeable person at Experian to explain to me specifically why my credit score changed XX/XX/XXXX and went down another 5 points XX/XX/XXXX. I did nothing between those dates to affect my credit score. 

I do not want to be told of " potential '' negative affects that are several years old. I want real time specifics. 

I do not want to be told I should review my credit report and figure out myself why my score would dive 5 points. That's because there is no reason. 

If Experian uses an algorithm that knee jerks every time a report is submitted by a company about my credit, then tell me so. Tell me a human has nothing to do with my score calculation and a company can report anything they want to influence the algorithm. 

How many times over a 4 year period does a 4 year old late payment solely or contributes to moving my credit score down. Once for x negative points and then never again? Or does the same late payment on my credit report continue to lower my score a number of times over several years
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX, has violated my rights.

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

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

15 U.S.C 1681c. ( a5 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 an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I checked my credit report and noticed that Experian has not complied with any of my ongong efforts to get incorrect and inaccurate information removed from my report. they have also reinserted information that was deleted without sending me any notice. I have been submitting forms via certified mail and through this system to Experian in regards to this ongoing matter and they have disregarded all my prior request.According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information being reported. Experian has failed to conduct reasonable reinvestigations, Failure to forward relevant information to furnishers, and Unclear or Mis leading dispute outcomes. Again I have sent numerous letter and filed complaints through this source dating back as previous as XX/XX/year> complaint Id # 's XXXX, XXXX, and dated XX/XX/year> complaint Id # XXXX. Their response is that everything is complete and accurate but kif you check the prior complaints and attachment everythign is not complete or accurate the information is highlighted. Per 15 USC 1681i ( 7 ) and referenced in ( 6 ) ( B ) ( iii ) they have violated as well 15USC 1681s-2.

I only have one spelling to my name there is no variations, I only have one address no employer. and the reinserted information needs to be removed as well. Experian has continued the FCRA law which ultimately cause harm to the consumer.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX, I noticed some that it showed hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately.

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question. 

Thank you for your prompt attention to this matter. 

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

XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and  these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX  to change internet location because I am buying a new house. I made sure to ask and make sure they were not doing any credit pulls, they said they wouldn't. They lied and did one anyways. Now I have a hard inquiry for changing my service address with them, and Its ruining y ability to close on my new house tomorrow.
Product: Money transfer, virtual currency, or money service

in XXXX of XXXX I contacted XXXX XXXX XXXX   About credit cards that were getting behind I spoke with a XXXX at XXXX XXXX he gave me an amount i would pay monthly and put into a separate account account ... apox XXXX He also told me to stop paying all three of credit cards ..i was current at this time ..He said not to talk to them at all. so we stopped... we signed some paperwork i have to find it He told us to contact customer service..Which was very hard to get a hold of after a few weeks when we reached them They said they were working on it ..Called again couple months later They told us we would have to wait until XXXX sold our accounts and they XXXX XXXX could have them settle ... Seemed they were stalling us ... .They had a different person working on account Fast forward to XX/XX/XXXX. We were told XXXX XXXXXXXX negotiations was handeling our acct.XXXX XXXX We had them hold our account for a week because my husbands truck was down... we caught that back up..then again he had no work at the same time they closed our account out ..XXXX balance and paid XXXX on one account Kept XXXX of money that we wer3e depositing for a debts... We knew werte charging a fee..not XXXX for doing nothing ... ......
Product: Credit reporting or other personal consumer reports

Certainly! Here 's a more detailed version of a dispute letter for an incorrect collection account on your credit report : Subject : Dispute of Incorrect Information on Credit Report I hope this letter finds you well. I am writing to dispute the collection account that XXXX ] has reported on my credit report. After carefully reviewing my credit report from [ credit bureau name ], I have discovered that there is a collection account, with the account number [ XXXX ], listed under my name. 

I firmly believe that this collection account contains inaccurate information and does not pertain to my financial history. I would like to emphasize that I have never had any business dealings or financial transactions with the original creditor associated with this account, namely [ XXXX XXXX ]. Therefore, I am certain that this collection account is not mine. Its inclusion on my credit report is not only erroneous but also has a significantly negative impact on my creditworthiness, potentially affecting my financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information on my credit report.XXXX  XXXX. [ Provide a detailed description of the supporting document, such as a letter from the original creditor stating that you have no outstanding balance with them or any account history. ] XXXX. [ Include any other relevant supporting documentation, such as bank statements or payment records, to clearly demonstrate your lack of connection to the debt. ] I kindly request that you initiate a prompt and thorough investigation into this matter. As per the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. This investigation should include contacting the original creditor, verifying the accuracy of the account information, and providing me with a written statement of the findings. 

Furthermore, I urge you to take immediate action to remove the disputed collection account from my credit report. In accordance with the FCRA, you are obligated to rectify any inaccuracies and ensure that the credit reporting agencies update their records accordingly. I request that you provide written confirmation of the completion of the investigation and any actions taken regarding the removal of the collection account from my credit report. 

It is essential to me that this matter is resolved promptly and in compliance with the law. I am well aware of my rights as a consumer under the FCRA and other applicable consumer protection laws. If necessary, I am prepared to take legal action to protect my rights and address this matter. 

I would greatly appreciate your immediate attention to this dispute and its resolution within the 30-day timeframe as mandated by the FCRA. Please feel free to contact me at the provided phone number or email address if you require any further information or clarification. 

Thank you for your immediate attention to this matter. 

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

Vance and Huffman LLC said that they would remove my account from my credit report if settled account to XXXX  balance which I did and its still showing on my credit report.
Product: Debt collection

Upon a careful review of my recent credit report, I've identified multiple fraudulent accounts that were added without my consent.
Product: Money transfer, virtual currency, or money service

In late XXXX I deposited three checks in a Wells Fargo atm. As it was processing the checks, the atm displayed an error message and began rebooting. I panicked and waited in front of it in the hopes of getting my card and checks back. It gave me my card back, but not the checks. I called the number listed and filed a claim. Mind you that this atm is the only one in the entire city. Nine days later they adjusted the money into my account and sent me an apologetic letter saying that the money was put back into my account. Two months later I received a letter with a new claim number stating that an investigation was still ongoing. As it turns out, Wells Fargo started a new claim on my behalf and was looking for the checks from two months prior that were stuck in the machine. I sent them proof that the checks existed and the issuers of the checks confirmed that they had not yet been cashed. A month later they took the money out of my account and started another claim for me. Today I called asking for an update and they said there was nothing that they could do and to just ask the issuers to write new checks. The female representative said things like, its not our problem, people lose money in atms all the time so youre not the only one with this issue, we didnt take your money, a machine did, machines make mistakes all the time so youre not getting your money back, and we are not going to start a new claim for you. I have banked with Wells Fargo for over 14 years now and I even used to work for them. This was the most disheartening experience I have ever had and I still have not gotten my checks or money back nearly 5 months after THEIR atm kept my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to XXXX XXXX XXXX ( XXXX ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.