23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have trust Citibank New York to wire payments that were a fraud to Ctiibanamex to an account XXXX XXXX XXXX  XXXX XXXX. I HAVE CALLED. I went to XXXX XXXX XXXX XXXX XXXX XXXX but on pandemic they did not help they make a call to customer service but they never answer and said they can not help. I went to XXXX on XXXX XXXX but they said I have to prove a crime. IT was scam from a company who offfer to sell our membership and they have all the information from XXXX and XXXX XXXX in XXXX and the big mistake was to pay for something that was buyer responsabilities but since was bank to bank I got convinces by this XXXX group of criminals and we went to XXXX  even they said this companies look real but they are fake. 
Citibank contacted an open cases for each wire and but there was one on XXXX  and one still pending but they did not stop those two. After that on XXXX called but they give no answer until on XXXX receives a letters for each saying beneficiary bank did not respond it was so disappoint went they said account is fake. How it is possible and they should have compliance a little to us as customers Citibank never give us a good respond. Precinct investigator told me I should file a court complain. I have try to help other people but complain but investigator or some one IC3 Fraud scam agencies XXXX  investigate with number e mails because they still on XXXX as companies and I have the feeling there are people like us naive. i WANT TO HELP OTHERS. It is hard I am senior and XXXX patient who fail and wanted to pay mortgager but was swindle.
Product: Checking or savings account

I use a service called activehour which requires regular transaction updates on my account, many time Bank of American has failed to send those updates or have been sending them late.
Product: Credit card or prepaid card

I made a purchase with my XXXX XXXX XXXX Mastercard on XX/XX/XXXX. Applying for the card promised 12 months 0 % financing and a year free welcome + rewards membership ( {$35.00} value ) if approved. I was approved but did not get confirmation of either offer. I called XXXX XXXX XXXX, customer service for the store, and was referred to XXXX XXXXXXXX XXXXXXXX  Mastercard. They told me to wait until the billing cycle closed and the purchase posted. I waited and the promo was not applied so I made a dispute on XX/XX/XXXX. I was told it would take up to 90 days for a resolution. As of XX/XX/XXXX I have not received a resolution. I requested and update on XX/XX/XXXX and XX/XX/XXXX and was told it waa still being investigated even though it was past the 90 days promised.
Product: Money transfer, virtual currency, or money service

I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about XXXX hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with Navy Federal. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already XXXX this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX  and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has XXXX not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.
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  Account name : XXXX XXXX Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 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: Credit reporting, credit repair services, or other personal consumer reports

Following an emergency visit to the XXXXXXXX XXXX XXXXXXXX XXXX in XXXX North Carolina it appears their bill collectors sent a medical bill in XX/XX/2016 to XXXX XXXX in XXXX  XXXX, Mo. Upon servicing this account it appeared the had the wrong City on the mailing address and as time expired wit their practice they decided to post a collection on my credit. Upon contacting them and settling the debt in XX/XX/2016, XXXX continued to report the debt as unpaid which adversely affected my credit for another six months after the satisfaction date. After calling numerous times and requesting the debt to be removed, I had to escalate to a manger named Mr. XXXX. This person basically told me they would keep the bad collection on my account and never remove it. He also said that all he would do is update the account so it reports as closed and satisfied. Upon receive it appears that Mr. XXXX not only closed the account he also posted fraudulent reporting on my credit by showing the account was included in Bankruptcy and that it was handled through a court trustee. Both of these are incorrect. I have never been in Chapter XXXX nor court appointed trustees. In review it has affected my livelihood by tarnishing my mortgage license and every XXXX I have to have a review due to their in accurate reporting. I have spoke to XXXX XXXX again and he basically acts like its no big deal and does not see an urgency in curing the problem. Can you please help?
Product: Payday loan, title loan, personal loan, or advance loan

I currently have a loan with One Main and I believe I may have been deceived and I would like to join the lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to express concerns regarding the verification practices of the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. I believe that my consumer rights have been violated in the course of my attempts to dispute inaccurate information on my credit report. 

On XX/XX/2024, I sent notarized affidavits to all three credit bureaus requesting that they provide detailed information regarding the verification methods used to substantiate the accounts listed on my credit report. Unfortunately, despite repeated requests, I have yet to receive any substantive evidence to support the accuracy of these accounts. 

I have sent a total of XXXX affidavits to each credit bureau, all of which were sent by certified mail and included a notarized signature. Each affidavit specifically requested proof of verification sent to my address for the disputed accounts. However, the only response I have received is a generic statement affirming the accuracy of the accounts without providing any supporting documentation. 

I believe that the credit bureaus ' failure to provide adequate verification for the disputed accounts constitutes a violation of my consumer rights. I am requesting an investigation into this matter and take appropriate action to hold the credit bureaus accountable for their practices. 


XXXX of Events : XX/XX/2024 : Sent initial affidavits to TransUnion, XXXX, and XXXX. 
XX/XX/2024 : Sent second affidavits to XXXX and TransUnion. 
XX/XX/2024 : Sent second affidavit to XXXX. 
XX/XX/2024 : Sent third affidavits to all three credit bureaus. 

As of XX/XX/2024, I have yet to receive any substantive response from the credit bureaus regarding my requests for verification. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX {$330.00} Wrong Amount 5. XXXX Bank XXXX Account # XXXX {$450.00} Wrong amount 6. Credit XXXX XXXX Account # XXXX {$800.00} XXXX XXXX 7. XXXX XXXX Bank Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX Bank Account # XXXX Paid and was suppose to be removed 9. 1st AccessXXXX Account # XXXX XXXX. XXXX XXXX  Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and 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 corrected and deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There 's a public record on my report I already made payments on this so I do n't understand why it 's there when I call they said I have to dispute it
Product: Credit reporting or other personal consumer reports

Would you take away these inquiries? I am unaware of them, and the company did this without my consent.
Product: Credit reporting

This listed debt originated as a dispute between my health insurance and XXXX hospital. However, GLOBALRECEIV collection agency is in direct violation of The Fair Credit Reporting Act ( FCRA ) which limits how long a credit reporting agency can report negative items in your credit report, this debt is over 10 years old. The collection agencies keep selling the debt to each other and placing it on my credit report even though I keep advising the foregoing and that under the FCRA the clock does not start ticking again each time the account is sold to another collection agency.
Product: Money transfer, virtual currency, or money service

Here was my original complaint : Originally, I had made a claim with Bank of America because I was scammed, a fraudulent charge where I did not receive my item. On XX/XX/XXXX, I had initiated this claim for approximately {$250.00} that I had sent to a merchant through XXXX. XX/XX/XXXX, BofA had sent this dispute to XXXX, to which they had messaged the seller asking for anything such as tracking information, etc. XXXX did not get a response from the seller, further proving my case which then they had sent that response back that they did not hear back from the seller on XX/XX/XXXX. I have now since checked the claim, and it has been set as " resolved - claim not paid '' even though I was clearly scammed, and I have proof of direct messages between both the seller and I, and that I had not received my item and still have not. Attached below are screenshots of the direct messages that the seller and I had exchanged, I had deleted my address out of the direct messages. But, at the end his profile is shown to show that he blocked me, I have no way of further communicating with him and I still have not received my item so I was scammed. 


I was scammed. 

Here is the response that was given from BofA : XXXX *XXXX  is a third party who's responsible for transferring the money from your account to the recipient. We recommend you contact the recipient directly for further assistance with your dispute. 

I had called XXXX, and there is nothing that they can do, because the seller did not respond, and they forwarded that information back to BofA and I have still been denied. If there is a mark that the CFPB can meet with BofA, the money is still on hold for {$250.00} on that person 's account, but I have not recieved my item and I can not " contact '' the recipient directly for further assistance because the person has blocked me. I have even shown them the same previous screenshots of evidence I had shown in the previous claim, to which I will place here again for reference. I just really hope I can get my money back, and not have this person go run away free with my XXXX dollars. 

Please review the suggested evidence from 1 through 5 which is my interaction with the seller, and where I exchanged details, paid him, and then blocked at the end and still have not received anything since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Credit card

Three times over the past several months I have made payment on my Synchronicity Bank/Sam 's Club Mastercard account, and the issuing bank has delayed posting available credit on the account for 7 days despite clearly stated policy on their website that credit for payments will be granted within 48 hours. The website states that it may take up to 48 hours for payments to post to an account, and offers no information about why credit may be withheld for a longer period of time. The cardholder agreement states ( in the section titled " When Payments are Due '' ), " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. '' In my opinion this is a vague statement, and it is in a section of the Account Agreement that it does not even relate to ( When Payments are Due ). 

In each instance I called customer service to inquire about the delay. In each instance I was given a different reason for the bank 's decision to withhold available credit, including 1 ) making two payments during a billing cycle in the same amount indicates possible fraud ( I did this while on business travel because the account was nearing it 's limit ) ; 2 ) making two payments in any amount during the same billing period indicates possible fraud ( I did this near the end of a billing cycle because the balance was nearing its limit and I wanted to continue using the card ) ; 3 ) making a single large payment indicates possible fraud ( I simply paid off the balance of the account a couple days into a new billing cycle ). 

For as long as I have had this account, I have never been late on a payment, I have never had a payment returned due to insufficient funds, and I have always paid off the entire balance before the end of the billing cycle. I have been harmed by this policy due to the fact that I have certain bills ( medical insurance premiums, in particular ), that I had planned to pay using the available credit on this account, however the credit was not made available within 48 hours as stated by the website when payment was made, and I had no other funds available to pay these bills in a timely manner.
Product: Credit reporting

I have just discovered that I am a victim of identity theft / fraud. I have been trying to request a free copy of my credit report from Experian through annualcreditreport.com. After inputting my info on the first screen, then selecting Experian on the 2nd screen and submitting it, my browser advanced to https : //www.experian.com/ncaconline/acr, but it then sat there for over 45 minutes, with nothing loading on the screen. I exited, then re-started the process from scratch, and the same thing happened. ( I am using the latest version of XXXX, as my browser, which is compatible per the web site. ) The annualcreditreport web site says to contact the credit agency directly regarding any problems/issues -- and I could not find any " troubleshooting '' info available on annualcreditreport either. So, I went to Experian 's own web site, looking for some kind of an on-line chat function, consumer XXXX number, or a consumer troubleshooting section -- but could find nothing. I am concerned that Experian is perhaps throttling requests that come through annualcredit reports.com or something -- as a means for consumers to get frustrated and simply pay for a report instead through their private web site --? I need to get my credit report asap, as my bank account has been raided, my credit cards have been used fraudulantly, and I am aware of credit cards being opened fraudulantly in my name. However, I am not able to get such from Experian!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Went  through  XXXX    XXXX   XXXX   which made an agreement with  XXXX   XXXX    XXXX    in the amount of  XXXX  through the law office which was representing  XXXX   XXXX . Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  XXXX    XXXX   telling me I was delinquent. I have spoken to many individuals at  XXXX    XXXX   who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Product: Credit reporting

My credit report has been pulled and a hard inquiry has been left on all XXXX credit bureaus for many companies synchrony bank has pulled my report for ( twice ) XXXX penny, XXXX, and others against my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I noticed an several medical accounts from XXXX XXXX XXXX XXXX This information is inaccurate. All accounts were paid.
Product: Credit reporting

Had unnecessary info delete or do I go on XXXX address pay XXXX fee
Product: Checking or savings account

A charge was made on XX/XX/XXXX using my chase debit acct. I called to question the charge, the charge for {$89.00} was credit back to my acct., the card was cancelled and a new one was sent via mail.We tried reaching out to the merchant on the phone and e-mail provided but none were good. Someone answered on the phone but was someone else. We then knew it was a scam and a fraudulent web site. Today XX/XX/XXXX the charge was reversed towards my acct. I spoke w 3 reps from chase in regards to helping me w this matter but got no help. I dont know any company named XXXX and I didnt purchase anything from them. Ive explained when searching this merchant it appears as a scam. They said I cant file another claim Ive asked proof of merchandise been delivered and they can not provide that they said to contact XXXX which I cant get through to speak w anyone to help me. I live off one fixed income which is XXXX and {$89.00} is a big deal for me to loose. Please help me resolve this issue as chase wont. Thank you
Product: Checking or savings account

On Wednesday morning,   XXXX   XXXX  , I deposited my paycheck in my suntrust checking account. On Thursday,   XXXX   XXXX  , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on   XXXX   XXXX  , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my  paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release them.
Product: Vehicle loan or lease

On XX/XX/2018 my GAP insurance overpaid my loan with TD Auto Finance ( US ). My GAP insurance sent an amount of {$2700.00} to pay off a balance of {$1300.00} leaving an overage of {$1400.00} in which has never been sent to me almost 90 DAYS LATER. 

My avenues of communication with TD have failed at every turn. I have spoken with representatives numerous times on both the phone and on their secure message center. If you are willing to wait upwards of 2 hours on hold in order to speak with a real human being, you will be told the check will be in the mailbox in 2-3 business days, however, weeks later its still not here. 

On TD`s message center online, I have been told the issue was sent to their credit resolutions department, but that was months ago. Since then I have only received a copied and pasted message to tell me to call the customer service department. As stated above I am placed on hold for hours to be falsely told the check will be sent.
Product: Student loan

I called several times, since XX/XX/14 requesting refund of overpayments on loans ( {$9900.00} total ). Was told several times that this refund would be issued in XXXX business days. It has been almost XXXX  months and refund is yet to be issued.