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

I have had my account with Citibank for some time with no issues. I received a check in the amount of {$530.00} from an auto company my business partner, XXXX XXXX, and I do business with. The check was made out to XXXX XXXX however he had been admitted into the hospital due to XXXX  with XXXX. Therefore he signed the check over to me. I deposited the check using the mobile deposit option. The check was accepted and cleared with no issues and was placed in my account on XX/XX/XXXX, the following day I tried to access my account and found there had been a block placed on the account. They would not give a reason for months then they tell me it's because their system accepted the 3 party check and it shouldn't have. I was told the money would be returned to me after 60 days and the account would be closed. It was not. They did finally close the account in XX/XX/XXXX. However they still did not return my {$530.00}. I was then told the money was returned to the auto company that wrote the check. XXXX XXXX called the company and they stated they did not receive any funds back and the check was cashed. I then called Citibank again and asked them if the account was closed and they did not send the money back to the company that issued the check then where was my money? No one at Citibank could or would answer that question. Citibank then stated that if XXXX XXXX and myself go into a branch with our ID they will return the money. The closest branch was an 8 hour round trip so before heading out i called the branch and was told they will not return any money if we come in. This was obviously because the money was no longer in my account that was now closed. I then called Citibank once more and was told the company that issued the check would have to recall the funds. I then called the auto company that issued the check again and was told " the check was cashed and cleared, it's out of our hands '' there was nothing they could do. Citibank should have known this would not be an option since you can't recall funds on a check that was cashed. I have done everything Citibank asked of me to try to receive my money. I have been lied to and given the run around. I only want what is legally mine. There was never an issue with the check. It was a good check that cleared with no issues. I have given everything that was asked of me only for Citibank to still keep my money over 8 months later. Please, if you could help me finally resolve this issue with Citibank and get what is legally mine I would greatly appreciate it. Thank You
Product: Mortgage

I have a mortgage with My XXXX XXXX/LoanCare. I called in XX/XX/XXXX and asked that my homeowners insurance be removed from my escrow account. I got new homeowners through XXXX XXXX and am paying it myself because, in XXXX, XXXX paid my homeowners insurance late and my homeowners insurance was cancelled without my knowledge. I did not know until the check from LoanCare was returned to me. I logged on to LoanCare website in XX/XX/XXXX and seen that LoanCare had my prior homeowner insurance listed. I called again informed them of mistake and the customer rep that I spoke to asked me to have a declaration page faxed over from XXXX XXXX, which I did the same day. I asked her several times for a confirmation number that I had called and asked for LoanCare not to pay my homeowners insurance she said she could not give me one. On XX/XX/XXXX I received a notification that LoanCare had paid the XXXX XXXX, which put my escrow in the negative. I called and spoke to three different customer reps. I was reassured that a stop payment was put on the check. I called again in a week and I asked if the stop payment was done and this time was told that they don't do stop payments and she said don't worry they will return the check to you. I said I don't want it handled that way. Loancare will then do an Escrow analysis and increase my house payment due to the negative in the account. I have emailed and called 4 times asking about the Escrow Analysis - trying to confirm with LoanCare that they are not to include the insurance, and I never get a return call or email. LoanCare makes you email first then they will call you, I never get a call back. If you call them you can not get an answer they tell you to email. I feel like I am being treated unfairly and that they have no concern for sending out my money to whoever they want and whenever. I am being ripped off.
Product: Debt collection

Third complaint with consumer finance, plus many attempts via mail and credit bureaus. I have repeatedly requested verification of the debt they continue to say is owed, and they are dismissive.Requested : Application records or screen prints of internet/phone applications, Statements/invoices, Payment/charge slips, Investigators summary, Delivery addresses, All records of phone numbers used to activate or access the account, Any other documents associated with the account Please send these records to me at the address on file. They simply answer they feel what they have done is sufficient, and it is not. On XX/XX/2021 they wrote " We feel that our previous response fully addressed your concerns, and our decision has remained unchanged. '' I do not feel that it addressed my concerns at all, and would like the documentation i repeatedly request. If they can not provide it per my rights, they should stop claiming it is a debt. Again, please promptly send all documentation requested, or resolve the debt. If neither happen, I have no choice but to take legal action.
Product: Mortgage

My hardship began the day I moved into my home in XXXX when the sewer backed up and flooded the downstairs causing extensive damage and repairs beyond what homeowners insurance covered. I notified Highlands Residential Mortgage in early XXXX that I was having financial difficulties due to a cascade of events beyond my control and wanted to work with them for a forbearance or loan modification. I submitted a hardship package with requested information to Highlands in XXXX/XX/XX/XXXX On XX/XX/XXXX I received a letter from Highlands stating they had received my loss mitigation package and that a review performed on XX/XX/XXXX determined the application was complete. On XX/XX/XXXX I received a letter stating they reviewed the loss mitigation package and that I needed to return a hardship letter and documentation detailing the hardship - which I submitted again. 
On XX/XX/XXXX I received a letter stating I had been approved for a HAMP modification. I signed and returned the agreement by their stated due date via fax and postal mail. in addition to calling them. 
I remained in constant touch with Highland to see how the process was progressing and to determine my next steps. 
Subsequent to accepting the modification I received a call from Highlands stating the HAMP modification was an error and I needed to start over, so I submitted another hardship packet. 
On XX/XX/XXXX I received notice from Highlands that they had received my hardship packet and on XX/XX/XXXX I received a letter stating that it had bee reviewed as of XX/XX/XXXX and determined it was complete and no further information was required. 
On XX/XX/XXXX I received a letter from highland stating that in order for them to determine my eligibility I need to return a hardship letter, proof of hardship and HOA bill which I submitted immediately. 
I was in communication with highlands via phone several times to inquire if they had everything they needed and was informed they had. 
On XX/XX/XXXX after again telling me my application was complete I received a letter from them saying my application was incomplete and I had missed deadlines for missing documents. 
Whenever they request information from me I email or fax ASAP. Highlands on the other hand mails me notices that take 10 to 14 days or more to reach me and have changed their website so that customers who are in default can not access documents on line. 

As of XX/XX/XXXX, and XXXX I have again submitted hardship information to Highlands. I want them to work in good faith to modify my loan as they agreed back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXXXXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 western union took {$320.00} out of my XXXX XXXX   account. This was not an authorized transaction. Western union stated since the money was picked up the transaction was valid. My bank issued a fee reversal only to be rebutted by western union. My email which was allegedly associated with western union is on the dark web and data broker sites so all my demographic information is out there. During the time of this alleged transaction, I did not have a working phone. I understand western union has to verify the information but I dont know how they did when I didnt have a working phone. My phone was compromised and I couldnt make calls out or receive them. XXXX had to restore my phone so I can make and receive calls. I couldnt even send or receive text either. I faxed 12 pages to XXXX after I opened the claim again. The fax shows my emails and demographics are on the dark web and data broker sites. Western union didnt do anything. Their position is the money transfer was picked up therefore they have no further liability. Western union is a  financial clearinghouse for dark web transactions so they dont really care. They shouldnt be allowed to be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told i would get a call back for the XXXX department within 24 to 48 hours the 48 hours ends today at XXXX XXXX when that office closes. i called at XXXX got agent XXXX XXXX then transferred to XXXX in OH who transferred me to a supervisor XXXX  in AZ who sent me to XXXX department XXXX in TN but she stated my anyalist XXXX in the XXXX XXXX SD office , who to find out is not in the office and i told XXXX then to find someone else to handle this. So now i do not know if XXXX is really from the XXXX department like agent XXXX told me she was. i told XXXX i already waited the 24 to 48 hours and i needed the call back today before XXXX. XXXX stated all she can do is send an email and tell me to wait 24 to 48 hours again. i told her no i need the call today like i was told i would get and i am not waiting another 24 to 48 hours. XXXX told me we are not getting anywhere and she hung up on me. this company needs to be shut down, fined and i want compensation for my time, stress and all the false promises this company has done to me, however they had no issues taking my money.
Product: Credit card

On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.
Product: Credit reporting or other personal consumer reports

Initial Date Notified through XXXX XXXX - XX/XX/year> ( Notified that my credit score dropped and that a new hard Inquiry was showing on my credit report from XXXX XXXX Email & App Search through PayPal - XX/XX/year> ( Looked through all my emails accounts and on the app with PayPal to try and find something about this issue or anything related. Nothing was found. ) Called Paypal  for further information- XX/XX/year> ( No documentation according to the representative I spoke with was showing any signing of credit use, application, negative balances, ect. Told me to check with my bank and didn't know what more to say regarding this so I ended the call. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.
Product: Debt collection

Enhanced Recovery Company Corporation Service XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, United States To : The Office of Registered Agent for Enhanced Recovery Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing Whitney Arielle Findley private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Checking or savings account

Money was transfered in and out of my account without approval. Cash deposits were not credited for weeks at a time. My balance never matched my account and I was charged over draft fees.
Product: Debt collection

JEFFERSON CAPITAL SYST Date opened XX/XX/XXXX Collection account. {$470.00} past due as of XX/XX/XXXX This account should be remove is has been four years, the day the account was open is wrong. The Fair Credit Reporting Act regulates credit reports. The Equal Credit Opportunity Act prevents creditors from discriminating against individuals. The Fair Debt Collection Practices Act established rules for debt collectors. The Electronic Fund Transfer Act protects consumer finances during electronic payments. 

The statute of limitations for debt collection in Texas is four years, as stated in Section XXXX of the Texas Civil Practice and Remedies Code. This means that creditors or debt collectors have XXXX years from the date of the last activity or default on the debt to file a lawsuit to collect it. This includes credit card debt and consumer debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Lots of corruption and organized crime in America. What happened? I think the gov. already knows what happened. Why the gov. so XXXX  lame these days?
Product: Credit reporting, credit repair services, or other personal consumer reports

Factor Trust is advertising a fax number that does NOT work! 

https : //www.factortrust.com/Consumer/ReportRequest.aspx
Product: Credit card

I am a XXXX XXXX  from Louisiana and I was request SCRA benefits from KP state Louisiana. I requested information from Affirm customer representative twice, who informed me that she would have to elevate it to another department. Its been almost 3 months and I havent received any information
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX XXXX in XXXX to the XXXX XXXX XXXX XXXX XXXX ) through the Bank of America as a correspondent bank on XX/XX/2022, XXXX XXXX USD Reference number is XXXX, XXXX XXXX XXXX : XXXX The money and the source of income were checked in XXXX by XXXX XXXX. ( I have all the official documents from the selling my XXXX XXXX XXXX which I provided. ) The Bank of America asked an English version of the sales agreement, because the Russian-Turkish one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the XXXX XXXX XXXX was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX XXXX XXXX XXXX, I have all the necessary documents to attach such as XXXX, the agreements, the document that the money is in the Bank of America, the proof of two banks communication, the complaint and others. 

The XXXX XXXX XXXX is waiting for the money, so I would like the Bank of America to release my money and continue the transaction as it should be and it was not a problem before. 

ACCOUNT NAME : XXXX XXXX XXXX. XXXX. XXXX. XXXX XXXXXXXX XXXX. 

BANK NAME : XXXX XXXX XXXX 

BRANCH : XXXX ( XXXX BRANCH CODE ) CURRENCY : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX You can contact the construction company directly to ask all the needed information - XXXX XXXX XXXX company XXXX XXXX, XXXX - the official address : XXXXXXXX XXXX 
XXXX XXXX. 
XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX XXXX, the money will be sent as soon as possible to the receivers bank Best wishes, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX both myself and my wife settled a collection account with XXXX XXXX # XXXX, accounts # s XXXX & XXXX. When we initially contact this company, we advised them that we are in the process of purchasing a new home and we need these two accounts removed from our credit reports. The representative reiterated that we were on a recording line before we proceeded. We were advised that we could settle both accounts out for less than owed and that they would remove the accounts from our credit reports. We gave them 45 days to update our reports. As of today, XXXX/XXXX/XXXX the accounts had not been removed. We called the company back today and were advised that they were not going to be removed and that it was due to us paying a settlement amount and not paying them in full. That if we wanted to have them deleted, we would need to pay the difference of the balances ( this is way after the fact of the accounts being paid ). We asked to hear the recorded conversation from our initial call and they stated that they would send a message to their supervisor to review it and would contact us back. We would have paid the full amount in the first place had they stated it was not required to have the account removed from our reports. This is unacceptable and from what i can tell, illegal from a collections stand point.
Product: Vehicle loan or lease

Exeter Finance and XXXX XXXX XXXX  XXXX have violated my federally protected rights. My signature was forged multiple times along with other violations on XX/XX/2022 and XX/XX/2022. I exercised my right to rescind and sent a notice of intent to arbitrate and my rights continue to be violated. TO MAKE MATTERS WORSE EXETER FINANCE shared my PERSONAL NONPUBLIC INFORMATION/PERSONAL IDENTIFYING INFORMATION with a 3rd party withOUT my consent pursuant 15 usc 6802. I WAS NOT ALLOWED TO OPT OUT DESPITE REQUESTING IT. My vehicle was repossessed WITHOUT an enforceable security interest. Pursuant 12 cfr 1026.23 I rescinded the security interest/signature/contract due to fraud on XX/XX/2022. Both Exeter Finance and XXXX XXXX XXXX XXXX have made aware of my dispute and rescission. I am currently in communication with XXXX XXXX, XXXX. My rights have been violated OVER AND OVER. Pursuant 12 cfr 1026.23 ( d ) Effects of rescission.

( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.

( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.

I demand my vehicle be returned to me immediately and these companies Cease and Desist their illegal activity.