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

Majority of 2024 I was mostly in XXXX ( XXXX ) to be specific working on XXXX XXXX XXXX XXXX XXXX, during most of my time on set of various XXXX XXXX I had limited or no access to phone/internet services thereby having access to limited informations ie not aware of the unauthorized, unsanctioned activities going on with my debit card. 
Upon my wrap up of XXXX of the productions I was involved with in XXXX, I made my way back to XXXX from the remote location of the XXXX XXXX, I discovered the charges and immediately when on online banking to freeze my card then I immediately made several attempts to contact the bank, many was a failed attempt but I was lucky to finally get someone on the phone, they put thru several authentication as the bank procedure required but could go ahead to submit a claim in XXXX because they said that an authentication have to be passed via my XXXX phone number which I automatically dont have access to when XXXX XXXX, she insisted that she can put forward a claim without this text authentication, I went ahead and explained the situation at hand and she told me that at this point a freeze has been put on my card but I should call them back whenever I have access to my phone, online banking which has became a game of luck cause I mostly can log on when Im here for some reason to pass their authentication which led me to having to wait till XXXX when I was in the country for a short stint like Ive done throughout the year when the opportunity presented.

I filed the claim when I was in the country but had left before the bank send an update denying my claim because they said I or someone I permission to authorized the charges which is a blatant false allegation. 

Im gon na iterate this one more time, I have not given anyone access to my card or account and I did not authorize any of the disputed transactions or did benefit from any of it. 


Upon receiving the banks denial claim Ive made several attempt to connect with them But each of this efforts have failed because once again I am in XXXX. Passing thru their authentication have become a nightmare, getting access to mobile banking has been an utter failure. 
Today after several attempt I got someone from their fraud dept on the phone who told me that the reason for the denial was because I discovered the charges in XXXX and waited till XXXX to file the claim, I explained to him the ordeal Ive been through trying to file a claim since the discovery of this transactions, he told me he will add this to the note n reopen the claim, meanwhile I had mentioned all of this when I filed the claim in XXXX. 
I am exhausted by all this and I dont even to go through each time I was told by different bank reps that a certain authentication was needed in the past days as well as today and just to be able to finally get through with less of what I had provided to the previous reps.
Product: Vehicle loan or lease

I called Santander to ask them for help with lowering my car payment. Im on XXXX with a fixed income. My current monthly payment for the car is {$400.00}. Im trying to avoid bankruptcy. 

At XXXX XXXX XXXX, I was charged for gap insurance that I was adamant against it. The finance manager XXXX ( I believe ) told me that I cant purchase the car without it. 

Please advise and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in Electronic Statements for my XXXX XXXX through Bank of America. I use this card very infrequently. I had forgotten I used the card in XXXX. I did not receive any electronic statements in XXXX or XXXX of XXXX. In XX/XX/XXXX my account was flagged by XXXX as having potentially negative information which was emailed to me. Upon my checking, BofA had listed my account as 30 days late. I called BofA and spoke to a Customer Service Rep and explained that I was enrolled in Electronic statements since the opening of the account and never received any electronic statements. She said she would " start '' a dispute, but nothing has changed on my credit report, which due to this one " late payment '' is now XXXX points lower. I then wrote to BofA by USPS to again request the 30 day late reporting be removed as it was a result of their failed system and not due to any wrongdoing on my part. I paid the balance immediately once I knew there was an issue by XXXX. I have disputed the 30 day late reporting with XXXX twice with no avail. My credit rating prior to this incident is outstanding. I have worked hard for my credit score and one late payment has plummeted my score to have to start all over again. I should not be penalized for the failures of BofA to keep their customer 's informed as required by law. It was a direct failure of their system that has caused severe damage to my exemplary credit standing. The first statement I received electronically was in XX/XX/XXXX after I called to complain I had never received any statements prior. I have asked that as a sound, well paying customer even as a courtesy the 30 day late be deleted with no response from the company. BofA has a fudicary duty to its customer 's and I am protected by Consumer Laws to be notified of charges, which they failed to do. Their system failed and has caused extreme damage to my credit score, reducing my credit worthiness and my ability to fund my businesses. I have attached the two payments that were made. The first was on XX/XX/XXXX after XXXX notified me of potentially negative info on my credit report. The second was on XX/XX/XXXX after I received the first statement in a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX, a crypto exchange platform. This is a link to her XXXX profile : https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website XXXX the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, JP Morgan Chase, via ACH and through intermediaries named XXXX XXXX and XXXX XXXX in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred
Product: Credit card or prepaid card

I opened an XXXX XXXX credit care for a wash machine. I did research and returned to get the correct washer energy efficient. I was not credited correct. The appliance never shipped. I was told I could not get the proper washer my credit was tied up even though I never received the wrong washer it was cancelled. Citibank N.A. has refused to speak with me and said they can not identify me. I spent two hours at the store this morning. 
I have not slept. I was in tears and Citibank N.A. refused to help me. XXXX XXXX claims they are working with IT to fix the XXXX credit the shorted me to wipe out the cancelled order. I was told the items ship on Tuesday now I have to cancel M.D.  appointments. I have spent all day and night online researching this. I ask the store to call Citibank N.A. back that I was ill and can not keep returning and doing this. I was told to pay XXXX in cent I beleive which I did with ATM card. When I got home I went over the details again and called the store manager and complained that the total first order cancelled was XXXX and only credited XXXX I have suffered severe hardship and this is extremely upsetting. It took me a year to find this place due to ca. housing crises. I have to move from where I lived 18 years in 2014 ill and the place for 3 years did not work out. Like I said it took a year to find this place. I need to rest and get this resolved not treated awful to the point in tears. I do not beleive it is a deliver issues now Citibank later said it take 3 business days to clear up. They gave me the credit card. I can not keep comming back to the home depot. I have medical issues and this is awful mistreatment.
Product: Mortgage

My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking on my TransUnion Credit report i found an inquiry from XXXX XXXX phone Co that i did not authorized or have an account with, I called Transunion to see how can the inquiry be removed from my credit report, they refer me to XXXX for a Removal of Inquiry letter when i called XXXX they informed me did not provide such a document to of course call Transunion that only they can do the removal. The back and forth begins.
Product: Debt collection

I received XXXX tickets from Washington XXXX. The ticket was sent in the mail with an expired Court date I called XXXX and asked when could I have a court date that the court date had expired. Told I could not get a court date ( right to due process ). XXXX XXXX XXXX was to be paid in XXXX County ( another error ). Told to write XXXX letters gone unanswered.XXXX ) Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX2016, No response. Contacted XXXX/XXXX/2016. Called was told that the account at the request of XXXX was sent to Municipal Services Bureau. Come to find out from representative XXXX that XXXX and Municipal are XXXX in the same and that Municipal is the parent company. Team player XXXX stated the the dispute was put in on XX/XX/XXXX2016. No response. Even after request for me to resubmit another dispute. Misrepresented who they are and denied me the right to have this resolve by not letting me speak with a supervisor for resolution. The amount owed is completely different from the court house portal. Speeding ticket is XXXX and the XXXX suspension is XXXX now the ticket is XXXX XXXX at the Washington XXXX stated that the amount is high because I did not show up for court. Never had a court date. Called the credit bureau at least 20 times. XXXX/XXXX/2016 spoke with XXXX, XXXX, XXXX and he informed me that I need to submit another complaint dispute online that is the only way. XXXX 's team member said that they are a municiple court ( false ) an the have more time and she does n't know how long for a dispute. The letter XXXX and XXXX at the Washington XXXX was submitted 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY EQUIFAX CREDIT REPORT.
Product: Debt collection

I negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent.
Product: Student loan

On XXXX XXXX, XXXX, I began an application with XXXX to refinance my student loans that were being serviced by FedLoan. On XXXX XXXX, XXXX, I received notification that XXXX had disbursed funds to pay off my FedLoan balance. When the payoff posted on XXXX XXXX, XXXX, I had a credit balance of {$620.00} since I had continued making payment from the time I started my application to the time the funds were disbursed and posted. I contacted FedLoan about the credit balance and was told I had to wait until I received a paid off statement and that a refund check would cut automatically. On XXXX XXXX, XXXX, I received an email with a payoff letter stating the loans were paid in full. Whenever I login to my account, I still have a credit balance. I have sent messages through my online FedLoan account ( no responses ) and called ( told I have to wait ). I am requesting assistance to get a refund so I can apply it to my refinanced loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX ;XX/XX/XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX NC XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX.
Product: Checking or savings account

the following amounts were taken from my savings/checking account with Bank of America . They were part of a series of other transfers made without my authorization. 

The transactions took place on XX/XX/2021, as follows : XXXX Transfer - XXXX - {$490.00} XXXX Transfer - XXXX - {$490.00} XXXX XXXX - XXXX - {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 in the amount of {$110.00}. I have contacted them for years to have this removed and sent out letter.
Product: Credit card or prepaid card

I applied for a Fortiva credit card back in XXXX. I received a credit line of {$3000.00} and charged XXXX for a purchase. I then went in and set up auto pay. Every time they try to debit my account, they reverse it the same day, according to their website. Then I start getting phone calls from collections. The first time this happened I thought it was a fluke thing so I paid {$60.00} directly from my checking account. This is the same account I used for auto pay and I have over {$5000.00} in my savings. I did have money in my checking but if they were to tell me that is why it was reversed, I have my account set up to debit my savings. If you need proof of this I can provide it. 

This happened again when my XXXX payment were to come out. I get a text message they they are debiting my account per my auto pay instructions. Then at some point, on their site it says the same day, it gets reversed. When I called they said it wasn't the same day it was several days later. Regardless I don't know why this is happening. And I do not receive a text or email that the payment had failed either. 

I called them on XX/XX/20 at XXXX. It sent me straight to collections. When they answered they could not look at any details on my account until I paid my {$60.00} in full. I told them as a consumer I want to know what is going on with my account because this is starting to feel like a scam. They refused to give me any information. I asked for customer service. They said I was unable to reach customer service since my account was overdue. So they could provide me with zero information until they were to get a payment. I'm happy to pay my bill, my credit is good and I don't have any past due payments. But as a consumer, I demanded more information before I made a payment. She refused and would not give me a supervisor either. She said she had to submit a request for me to get to a supervisor. 

My complaint is that they are not able to provide me information with why this is happening but expect me to keep making payments. Will they start charging fees? I'm still having to pay interest on the amount. Will this be reported and will my credit go down? I don't know but I will certainly close my account when it is paid. This seems like fraudulent activity to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX BANK XXXX Account Number : XXXX Account Name BANK XXXX XXXXXXXX Account XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened QuickSilver credit card with Capitol One bank sometime in XX/XX/2020. The lady on the phone sometime in XXXX before I did a transfer from XXXX XXXX bank told me over the phone that the percentage on the cards here would be 19 %. 
My interest in XXXX XXXX were very high, so I decided to transfer the money to Capitol One bank on QuickSilver card. 
I transferred 2 different balances XX/XX/2020 - {$1200.00}. 
XX/XX/2020 {$610.00}. 
I was surprised when I found out that they Are charging me % 26. It is the same I had on another card from which I transferred the money! 
I talked to 2 managers, with one today name XXXX. 
It is useless. Why then the lady gave me the wrong info? 
I can not pay such a huge percentage! After COVID 19 started my hours at work were reduced to 15! Now 20. I have a lot of medical expenses. The only thing I can do is to file for bankruptcy, which I don't really want to. 
I wonder if you could talk to them. It is unfair. I could do the transfer to some other bank with lower percentage. 
Thanks
Product: Mortgage

Case # XXXX - XXXX Case # XXXX - XXXX I have not gotten any written words on the one issue : Legal Standing.
Product: Debt collection

Someone called me on XX/XX/XXXX from the number XXXX which looked like it was coming from Iowa. They sounded super scamming. I didn't trust any of it. He said his name was XXXX from blah blah blah ( couldn't understand him ) Halsted Financial Services company and on behalf of a XXXX debt. I told him no idea what he was talking about and I refuse to pay it. Called XXXX and found out it was something from XX/XX/XXXX they had given to another company ( XXXX ) that must have sold to this company. I do not recall this purchase not being paid off. 
I called back to Halsted number online and she asked for my SSN which I refused. Again no introduction seemed like a scam. She immediately put me on hold and got her manager. The manager said it's in dispute. The manager also told me I talked to XXXX   this morning which was not the XXXX that I had talked to. I told her, have you checked my state 's statute of limitations and she said she had not. I said you can not ask me for XX/XX/XXXX debt. She said her name was XXXX XXXX and the debt was from XX/XX/XXXX. I couldn't understand them, as they spoke little to no English. The whole thing feels like a scam. This wasn't even on my credit report.