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

i answered a used car add on XXXX XXXX on XX/XX/XXXX. I phoned Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She told me she was being XXXX and she wanted to protect her investment so she used a broker at XXXX who sent me an invoice with detailed payment instructions. This invoice had transaction id XXXX guarantee free shipping etc.We send XXXX for the car via a moneygram sent to Agent Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We receive an email from XXXX stating that XXXX XXXX requires another XXXX for shipping insurance. But we will get money back after we receive car in XXXX. So we sent another moneygram for XXXX to XXXX XXXX  rep. He wanted us to fax receipt to insure payment. We did. XXXX sent me another email saying they needed another XXXX for insurance into XXXX. I immediately emailed XXXX and XXXX XXXX and cancelled the transaction. i tried calling XXXX and XXXX XXXX customer service XXXX ( XXXX ) XXXX. No answer.phones disconnected. I called XXXX customer service they told me that do n't sell cars and I have been a victim of fraud
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b).
Accounts to be Blocked and Deleted:
 BANKCRUPTCY - XXXX XXXX XXXX XXXX XXXX
 BANKCRUPTCY - XXXX XXXX XXXX XXXX XXXX
Inquiries to be Blocked and Deleted:
 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, credit repair services, or other personal consumer reports

I have did as I was directed to do by FPD California, F.T.C., consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

SunTrust Mortgage has foreclosed on my home. During this process they were required by law to give me an option to rescind ; XXXX The form was never provided to the consumer of our right to rescind at the beginning or during the process. It is important for all these alleged creditors to abide by TILA to make sure our constitutional rights are protected. We still have not received this form from SunTrust Mortgage. Where is the consumer right to due process according to TILA outside of the court. Making us aware of this situation would have provided us a proper relief rather than going through the embarrassment of court.
Product: Debt collection

On XX/XX/2022 I provided a payment voucher to XXXX XXXX for lab work. The payment voucher was provided by XXXX XXXX. The voucher was accepted by the lab technician. In XXXX I received a bill from XXXX XXXX for {$370.00}. I reached out to XXXX XXXX and spent the next XXXX months trying to get confirmation that a voucher had been provided to me for XXXX XXXX. On XX/XX/2022 I received confirmation from XXXX XXXX at XXXX XXXX that " confirmation has been received that the account has been updated and your account should reflect a XXXX balance within XXXX business days. '' I did not receive additional billing from XXXX so believe the bill had been paid. On XX/XX/2022, XXXX XXXX sent me to collections with Radius Global Solutions. On XX/XX/2022 I received a collection notice from Radius Global Solutions. On XX/XX/2022 I sent an email to XXXX XXXX asking for documentation that XXXX XXXX had been paid. As of today, XX/XX/XXXX, XXXX has not replied to that email. On XX/XX/2022 I called XXXX XXXX. XXXX was not available but I spoke with a different representative who said they were going to put a request in to billing for confirmation. I called XXXX XXXX again on XX/XX/XXXX as I had not received a response. I spoke with XXXX XXXX who said their billing department had been in contact with XXXX XXXX and were waiting for them to send confirmation. She was unable to provide me payment confirmation. On XX/XX/XXXX I called Radius Global Solutions and disputed the charge. I also sent an email to the dispute department and include XXXX and XXXX in the email, asking them to provide confirmation of payment. I want to report both XXXX XXXX and XXXX XXXX for financial negligence. I used a voucher 5 months ago and continued to be harassed for payment by XXXX XXXX. XXXX XXXXXXXX has not done due diligence to ensure payment has been received and reflected on my account.
Product: Credit card or prepaid card

I was once a subscriber to XXXX XXXX XXXX XXXX service and enjoyed the meals and service. Because we weren't cooking at home as often, I paused the subscription and then attempted to cancel it. on XX/XX/23, I received an email from XXXX XXXX representative XXXX statins that she had " deactivated my account and removed billing and email information ''. I then received another meal. I assumed it had been shipped prior to the email from XXXX. I then received XXXX more meals and each time, I reached out and replied to XXXX ' original email to let her know that service had been canceled, I had not been on the website to change meals, and I should not be getting them. I checked the credit card I use most often, XXXX  XXXX XXXX, and found nothing charged. I finally looked at my Capital One card and low and behold, there were the charges. I immediately disputed the charges and they were temporarily removed. There had been XXXX shipments and XXXX charges, and I disputed XXXX, because clearly I had communicated with XXXX prior to the last XXXX being shipped as you'll see from the timeline below : XX/XX/23 email cancellation confirmation from XXXX XX/XX/23 Home chef charge XXXX initially but realized package XXXX have shipped before reply from XXXX XX/XX/23 XXXX chef charge XXXX # XXXX XX/XX/23 Response email sent to XXXX regarding continued boxes XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Another response email to XXXX regarding continued boxes XX/XX/23 Dispute was filed with Capital One when charges were realized they were there XX/XX/23 Received letters from Capital One that confirmation showing no cancellation per policy received and that correct documentation had not been received XX/XX/23 resubmitted complaint with all requested documentation XX/XX/23 Received statement saying they had closed the case because all documentation needed was not included. 

Ive attached ALL documentation that I have. I plan to cancel this card because if this is the way Capital one does business, I want not part of this. I am a college educated professional with a credit score over XXXX, which shows I pay my bills and take care of my business. As youll see from documentation attached, I have dotted my eyes and crossed my ts and done everything I could to XXXX these shipments and XXXX them from being charged for something I never ordered/wanted to continue. 

Thank you for the consideration and please reach out if I can clarify or answer any other questions.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to have late payments on an account removed. At the time the account was closed I thought there was a XXXX balance. I personally was going through XXXX  and this account was not a part of the XXXX. It was paid off. I stopped receiving statements and no longer had access to the account. When I found out there was a balance of {$200.00} it was quickly paid off. I provided a payoff letter from the bank. My daughter is also an authorized user on the account and it is adversely affecting her credit score too. I have sat on hold for XXXX hours with Experian and XXXX is absolutely not helpful.
Product: Checking or savings account

I have been a customer for Bank of America for over ten years.

I have NEVER had a check held for more than 3 days most 7 days over that ten years.

No matter the amount and I get all kinds of amounts of checks form {$50.00} to {$100.00} to {$20000.00}.

I recently had a XXXX  of mine that managed a condo trust I had done work for make a check bounce by closing their condo trust checking account before I deposited the check. 
I deposited the check with no knowledge of this. 
The check of course bounced. 

Within a day or two of finding out the issue of the check bouncing I cleared it up as fast as I could by letting the client of mine know and they quickly gave me XXXX transfer, that I then immediately sent to my bank. 
Shortly after this Bank of America started placing hold on all of my deposits for ten days no matter the amount. 
The first check they held unexpectedly almost ruined a job of mine as It was a deposit for a {$28000.00} job I was doing and was a half deposit of {$14000.00} It almost cost me a job and my lively hood of my XXXX. 

I have repeatedly called the bank main corporate customer service line and been given all manner of differing explanations. The most common thread of poor explanation was that they can hold checks at any time. 
My counter argument to them was simply what i stated earlier that in ten years this has never happened, and I believe it was because of this one bounced check. 
They neither deny or confirm and give me the cookie cutter line of we can hold checks for many reasons still no definitive explanation why this is happening ( again I believe because of bounced check 9 they wont confirm this statement ) ) or how losing the holds ( that again have never happened before in ten years of business with them ) will be in place for. 
No absolutely no information at all beyond some non descriptor tag lines of company policies and vague descriptions of what they can do. 

I have been to bank branches locally and keeps getting differing answers at all their branches, XXXX of which told me it will be up to a year they will continue to punish me for this XXXX error of the bounced check ( again they wont confirm thats why but also as stated this has never happened before ) the other I went to last week and they said it was over and the last few checks went through fine and now again this week back to a XXXX day hold??? What the heck??? 
So the hold is on then off then on then off????? And still no explanation. 
Right now XXXX sitting int he parking lot of XXXX XXXX XXXX in XXXX where I was made a fool of last week by a bank representative when the hold appeared off and all looked ok and he said I dont understand why your upset and i promised him i would be back and say i told you so .and XXXX filing this report before i go back into the trenches of this battle as I just got off the phone with XXXX of your representatives whom instructed me to file this report. 



Please help
Product: Credit reporting or other personal consumer reports

Once again, TransUnion has me unable to access my credit report online through their service center. This continues to happen every few months and nobody at TransUnion seems to know how to fix the error, despite knowing what the error is. I am continually told that there is an error XXXX on my TransUnion file and that it has been escalated for resolution, and I would receive a call. After waiting several weeks, speaking and chatting to dozens of representatives the error still is not corrected ; I still can not access my report online.
Product: Debt collection

In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, XXXX XXXX XXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began. 

Attached is the letters sent- including the showing that a collection attempt was started in XXXX. XXXX & XXXX will not respond and failed to comply with any conditions of the dispute process.
Product: Credit card or prepaid card

I booked a hotel through XXXX in XXXX for a trip to XXXX before COVID-19 and travel bans. Once we learned that we couldn't go to XXXX because of travel bans and everything being cancelled, including my flight and my events in XXXX and to XXXX, we immediately contacted XXXX and tried to cancel to get our money back. We tried for days to get in contact with XXXX, but could never reach anyone. We even tried to cancel on the site, but it would only offer us {$70.00} of our {$700.00} stay. We aren't allowed to travel outside of the United States, so there's no way we could have gone on this trip. I reached out to Citi and filed a dispute. I told them this whole story and provided them with proof of cancelling the XXXX trip. It took them 2 months to get back to me and I had to find out that they sided with XXXX instead of the loyal customer. I don't dispute charges unless it's fraud and I believe XXXX has been taking people 's money during this critical time. I was also told by Citi in my dispute that I would receive details about my case in Notices and Letters on my account, but I never even received that or anything else from them. There have been tons of complaints about XXXX taking people 's money. I have lost my job due to COVID-19 and I can not afford to lose {$700.00} for a hotel that I could not stay in because of a global pandemic and travel ban.
Product: Checking or savings account

My wife and I transferred {$270000.00} to Fifth Third Bank for deposit into checking/money market accounts on XX/XX/XXXX. This was part of the process to take a {>= $1,000,000} mortgage with their lending department that closed on XX/XX/XXXX. 

On XX/XX/XXXX, my online banking stopped working. Over the course of XXXX XXXX XXXX XXXX XXXX I was transferred to different departments and finally the their Fraud Department. They said that in XXXX someone had committed fraud using my social security number. I commented that this was not me and that I was made aware of an attempted identity theft in XXXX and was unsure if this was related. I filed a dispute while I was on the phone. 

Between XX/XX/XXXX and XXXX, Fifth Third froze all of our accounts. On XX/XX/XXXX, I received a message that my contact information has been changed ( this was not initiated by me ) and that I should call customer service immediately. My wife went into a branch and was informed our contact information was changed, but we'd need to talk to the Fraud department during weekday hours to find out what changes were made and by whom. Super scary for us to not know what's going on with our accounts.

So, after having our deposits for XXXX XXXX XXXX and funding our mortgage loan, Fifth Third has frozen our accounts and I can't get any information as to how to remove my deposits from my account, nor can I see that the funds even exist there anymore.

Fifth Third Fraud department indicated that they have me flagged as someone " not to do business with, '' related the the fraudulent activity committed in XXXX by someone else who stole my identity. However, I can not get access to view or remove my funds from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Citizens Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made Citizens bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted Citizens bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted Citizens after reviewing my credit reports I noticed two things about how it was reporting. XXXX, the balance was paid in full for less than the total amount. I never agreed to this. XXXX the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, Citizens refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.
Product: Student loan

I have tried for nearly a year to get this sorted out. I filed a consolidation on XX/XX/XXXX and have been waiting for them to review my PSFL. I have sent multiple requests via email, message, and have been trying to get a hold of someone many times over the phone. I have requested Administration Forbearance 4 times now as my loans should have been discharged due to PSLF in XXXX of XXXX when I reached 120 of qualifying payments due to working for low wages in the municipal public sector. My requests have been ignored and I can't get a hold of anyone. My payment counts now show XXXX, I have no information on when my payments are due, if they are even due, even though my loan was supposed to be discharged and paid off in XXXX. Now i'm accruing interest on a loan that should have been forgiven. I am aware this process takes time, and the last rep I was able to communicated with told me I would see the IDR waiver payment count adjustment in early XXXX, and she said she would put me on Administrative Forbearance to take my until they are able to process my application, however, this never happened and I have reached out numerous times to get this resolved or at least pointed in the right direction. Now, I can't get anyone on the phone even after being on hold for 2 hours and 35 minutes. My emails and messages are responded to by saying to call in. I call every single day, with no response.
Product: Checking or savings account

On XX/XX/XXXX, I was depositing cash funds into a Bank of America atm to my business savings. While doing so, the atm malfunctioned and shot my debit card back out. I had deposited {$3000.00} into the atm during this transaction when this happened. After this happened I checked my account and saw that it was showing {$3.00}, so I immediately contacted the customer service # thats on the atm. I claim was then filed for the missing {$2900.00} and after checking in a few times on that claim I was told that it would be expedited. On XX/XX/XXXX I called in again to get an update on the claim and was told that the representative did not expedite the claim as he said he would and that it would be done at that moment. There was also note added showing that the rep was filing a complaint on my behalf due to the misinformation that was given to me. On XX/XX/XXXX I was notified that the claim would be credited to my account on XX/XX/XXXX. On today XX/XX/XXXX my access to my online banking was denied and I was informed that my account was set to be closed with no further explanation and told that I would not be receiving my credit for my missing funds due to the atm error. I was not given any detailed information or proof on 1. My account being closed and 2. Me not receiving my {$2900.00} that is MISSING. I feel that Bank of America never intended on correcting the deposit error and I feel that closing my account is a tactic for Bank of America to not have to credit or give me back my funds that were taken by their malfunctioning atm and I want this resolved immediately and I will not stop until this is resolved rightfully.
Product: Mortgage

Ive been applying for a loan modification with Homebridge since XX/XX/XXXX. Ive had to submit multiple complaints to them in order to try and receive any help but still none. They finally approve me for a loan modification XX/XX/XXXX. I sign My agreement and send it back to them via XXXX certified mail. Tracking # XXXX. This shows signed for my Homebridge on XX/XX/XXXX at XXXX. I just Received a letter in the mail with my trial payment returned and them stating they never received my agreement signed. This process is very frustrating and this company does not know what they are doing. Im on the phone with an associate now saying my modification is denied. This is complete and utter nonsense!