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

My company had a benefits account with XXXX XXXX. I am a non-US resident, but have a bank account in the XXXX with another institution. After I left the company, I wanted to close down the account and transfer the funds to my other checking account. I was told that this was not possible due to a block on my account no one explained to me and that while a supervisor was not available to explain and that it will be resolved within 48 hours. Unfortunately, that was not the case and when I called 2 weeks later, I was told the same story again. this process has repeated itself multiple times and few months on, I still dont have access to the {$70000.00} in my account without the bank being willing to explain what the reason is, help me remediate it in any way or provide update as assured on every call I have with them. Overall, I have spent multiple hours on the line with ML, sometimes being hung up upon by the customer representative, all of the calls are recorded and I do have logs on my phone to prove the amount of time wasted. 

Further more, I was told by ML that there is no supervisor that can speak to me about this issue and that as a customer I have no option to escalate my complaint within the bank directly.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint at XXXX now that is a joke and the response is computer generated and completely XXXX  and one again has nothing to do with the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

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

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

IN XXXX I HAD TO REFINANCE BY PRIMARY RESIDENCE IN ORDER TO GET MEDICAL CARE IN UTAH! THE TERMS I AGREEDED TO PAY EXTRA FOR WERE AGREED TO BY XXXX AND MY APPLICATION WAS APPROVED BUT HAD TO BE RE-DONE PER THE BANK TERMS! I AGAIN WAS HANDED A BUNDLE OF PAPERS THAT WERE CLIPPED AND RUBBERBANDED WITH " SIGN HERE ARROWS '' AS THE AGENT FLIPPED THRU THE DOCUMENTS HAVING BE SIGN OR INITAL ; I NEVER WAS GIVEN THE OPPORTUNITY TO READ MUCH OF ANYTHING! WHEN I ASKED ABOUT THIS PROCEDURE I WAS INFORMED I WOULD GET A COPY OF ALL DOCUMENTS ARE REQUIRED WHEN THEY WERE PREPARED, PER STATE AND FEDERAL LAWS ( WHICH I HAD GONE THRU SEVEAL TIMES SINCE WE BUILT THIS PROPERTY AND OTHER PURCHASES OF THE PAST ) ; BUT I NEVER RECEIVED ANY COPIES, ALL I GOT WAS A MORTGAGE STATEMENT IN MID XXXX FROM XXXX, WHOM I NEVER HEARD OF TO THAT DATE!?! I CALLED MY AGENT AND HE SAID TO CONTACT XXXX AND LET HIM KNOW WHAT I WAS TOLD ; WHICH WAS XXXX AGREED TO FIX XXXX LOANS BUT NEEDED TO SPEAK WITH MY AGENT SO GOT BACK TO MY AGENT AND GAVE HIM THE NUMBER TO CALL AT XXXX! IT WAS CONTFIRMED AND CW AGAIN ASKED ME TO CONTACT THEM, AT WHICH TIME THEY CONFIRMED THEY WOULD FIX THE LOANS BUT TO GO AHEAD AND MAKE THE PAYMENTS IN GOOD FAITH AS THE PAYMENTS WOULD CHANGE MUCH AND I WOULD GET ANY CREDITS DUE ME! BY XXXX XXXX THE LOANS WERE NOT FIXED AND WE COULD N'T GET CW TO RETURN ANY CONTACT EFFORTS, SO MY AGENT TURNED THE MATTER OVER TO ATTORNEY XXXX XXXX, WHOM INSTRUCTED ME TO STOP MAKING THE PAYMENTS AND SEND HIM {$3000.00} FOR A RETAINER, WHICH I DID!?! THEN XXXX XXXX XXXX TOOK OVER THIS MESS AND OTHER THAN PLACING MY LOANS INTO THEIR " PROBLEM LOANS DEPARTMENT '', AND DUMMING THE XXXX MORTGAGE WITH REAL TIME RESOLUTIONS, INC., DID NOTHING WITH THE LOANS, I CALLED THEM MONTHLY AND JUST GOT THE RUN AROUND! XXXX THEN TURNED THE XXXX MORTGAGE OVER TO SPS ( SELECT XXXX SERVICING, XXXX XXXX WHOM, AFTER MY ATTORNEY XXXX XXXX BAILED OUT AFTER DOING OR ACCOMPLISHING NOTHING FOR ME, I LOCATED XXXX XXXX XXXX XXXX AND HE WORKED OUT A MODIFICATION WITH SPS BUT THE MODIFICATION WITH REAL TIME RESOLUTIONS , INC . TURNED OUT TO BE A SAND-BAGGING WITH A {$30000.00} " BALLOON PAYMENT '' ISSUE I CHALLENGED, AND ASKED FOR ACCOUNTING FOR WHAT IT WAS FOR!?! THEY ALSO TERMINATED THE MODIFICATION BECAUSE I DID N'T TAKE IT BY THEIR DEADLINE, SO NOW WE ARE BACK WITH MY " DISPUTE '' BUT THEY ARE JUST GIVING ME THE ROUND AROUND!
Product: Mortgage

Since XXXX, my mortgage was originally with XXXX XXXX XXXX XXXX. I had a series of hardships I experienced in addition to loss of income during COVID. My mortgage payments fell drastically behind that in XXXX of XXXX, I was almost up to {$68000.00} dollars behind in payments. I had attempted to make payments however they would send my money back. XXXX XXXX stated I had to go through loss mitigation processes which I kept submitting paperwork to no decision ( even when they said it would take 30 days ). In late XXXX of XXXX, I was informed that my loan was transferred to Carrington Mortgage Services. When I contacted Carrington, they had explained I was in pre-foreclosure and to submit a new loss mitigation packet with them. I had explained to them at this time that I had actively been in a loss mitigation process with XXXX XXXX when my mortgage was transferred again. I set out to compile on the necessary documents to restart the loss Mitigation process with Carrington. On XX/XX/XXXX, I contacted Carrington to ask about my application. They stated I was in active foreclosure with a sale date of XX/XX/XXXX which is less than a month away. I asked what had happened so fast and they informed me that I had been in active foreclosure since XXXX of XXXX. They told me I received process sever paperwork. I or my husband never received process server paperwork and was never informed I was in an active foreclosure. They did not explain the process to me. I asked what my options were and they did not tell me anything other than to fill out the loss mitigation package or contact mortgage assistance relief fund. I knew that the loss Mitigation package halts the foreclosure however they told me that if underwriting determined I was not eligible for any options, the foreclosure auction sale date would still stand. I was adamant about not going into bankruptcy or being foreclosed on and was not given any information or options. I had no choice and was forced to make the decision to sell my home. They have withheld giving me and my realtor my payoff quote saying they need to get it from the attorney and that Im being charged an excessive amount of fees. Also I never received the notice about the auction date for XX/XX/XXXX. I found out about it because the cleaning lady was served papers from the HOA saying we were served for foreclosure auction. This process has caused us much distress but we are going out best to save our financial lives out of this mess. They claimed to want to be of assistance when in fact they were not providing information that I was already in active foreclosure.
Product: Money transfer, virtual currency, or money service

I had my checking account closed and Bank Of America Issued me a Cashiers Check in the Amount of {$34000.00}. I was also reported to XXXX XXXX by Bank of America as well. now I can not open another account because I'm in XXXX XXXXSo I don't have any way of depositing this cashiers check. I walked into two different bank branches asking to cash my cashiers check and have been denied because of the large amount. The first bank branch told me that the cashiers check was over their limit and they don't cash cashiers checks for that amount. the second branch told me they don't have that much cash on hand and to call them in advance so they can order the funds to be there when the check is cashed. I asked what number to call and was told the banks branch regular phone number. So I have been calling for the past 3 days about 20 times a day and I get no answer. My question is how am I supposed to cash this Cashiers Check? I have called three different branches today and still no answer. I have made over 30 attempts to call to order cash to get my check cashed. I don't think it should be my responsibility to have funds available to cash their check from their account. When funds are not available to a reg checking account holder we are charged a fee for returned check and after a certain amount of attempts we are reported to XXXX XXXX. Is it fair to say we should report this bank to XXXX XXXX as well? So can get a solution on how I can cash this Cashiers Check before the 90 days of expiration? Thank You!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt or credit management

I am writing to formally express my dissatisfaction with Tally, a credit servicing company I had an agreement with, which has since filed for bankruptcy. When I initially signed up for Tally, the understanding was that it would provide me with a line of credit to help manage my credit card debt by paying off my balances and thereby reducing my interest rates.

However, following the company 's bankruptcy, my situation has drastically changed, and I am now being held to a fixed loan, which was never the agreed-upon purpose of the service. I never consented to a traditional loan with Tally, and the product was always intended to be a flexible line of credit for reducing credit card interestnot a fixed loan. This change has placed an unexpected and unfair burden on me financially. 

I did not agree to this shift in loan terms, and it feels misleading and unjust. I am deeply concerned about how this has been handled and the lack of communication and transparency regarding the companys bankruptcy and the sale of my account to another lender. I believe I have been misled by Tallys initial service offerings and how they have been altered without my consent. 

I request immediate clarification regarding : 1. How my loan terms were changed and why I was not consulted.

2. The legal justification for converting my flexible line of credit into a fixed loan.

3. What steps are being taken to address the concerns of customers affected by Tallys bankruptcy.

Furthermore, I would like to explore the possibility of joining or initiating a class action lawsuit against Tally and any involved parties for this mismanagement and breach of consumer trust.
Product: Debt collection

LVNV FUNDING is a collection agency that is violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). They did NOT send me any verifying and validating information about this alleged debt and to take it a step further, they had also sued me, case number HUD XXXX. I did NOT know that I got sued in the year XXXX by this agency nor did I get ANY notification about such debt. I want proof that I received notification about the alleged debt by providing a certified green return card bearing my signature. Additionally, being sued without proper notification further violates the FDCPA, to be specific, 15 U.S. Code 1692g ( c ) and 15 U.S. Code 1692i ( b ) which states " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

This email has been forwarded to you after we received a decline letter from Regions. We asked our local branch to send this email up the chain within Regions. Its been two weeks or longer and I can not pay my part of our Bills. 

Notice the Duration of 1st call and the date in attachment 1 Attachment 2 - Screenshot of the dash on my car and the number that called me.

Attachment 3- What showed up on my phone and why I answered it and thought it was legit Attachment 4- Notice date and the two charges that I absolutely did not make!

Attachment 5- Notice at the top it's the same time during this call the Regions Rep prompted me to open this attachment. Telling me to press yes, I told them three times I did not feel comfortable doing this. She assured me this was the only way to get the pending funds back into my account. So I did. Then told her it was against my better judgment though. 

I'm a hard-working woman holding down two jobs to make ends meet. We expect our Bank to have good enough security to keep hackers from getting so much of my banking information that they covered in the first 2 minutes to convince me it was Regions. I mean recent charges, everything. In the past year my husband has had to change his debit card twice and myself three times because our cards became compromised. 

I need my funds put back in my checking account. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

Contacted HPFC to obtain a payoff quote for the sell of my home. The payoff was good till XXXX XXXX in the amount of {$320000.00}. {$320000.00} principal, {$770.00} interest, {$220.00} PMI, and {$100.00} for recording fee. Funds received after would be an additional {$29.00} per day. on XXXX XXXX HPFC received the full amount prior to their XXXX cut off time for processing. Upon review of my account on XXXX XXXX I noticed a partial settlement in the amount of {$130.00}. When asked what it was for? HPFC said interest. This is not listed anywhere on the account so I asked for a 30 day statement which I received. The only interest on the payoff was {$770.00} which was remitted and received by HPFC. I asked HPFC to do an additional review numerous times and no one can tell me what the interest is for and why it was not disclosed in the payoff quote. I have asked HPFC for a refund/dispute of the amount as it was not disclosed with no satisfactory response from the company. I want a refund and want to know why I was erroneously billed. The refund was not applied to my escrow refund either which showed a balance in the amount of {$2500.00} of which HPFC claims to have refunded as of XXXX XXXX. I want to know why the {$130.00} is charged and why the company refuses to discloses the sources and choose to omit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, ve been attempting to dispute a couple of accounts on my credit reports from years ago. Investigation took more then 30 days. Still yet have to get a response from some of the 3 creditagencies on the result of the invention. During the covid-19 pandemic Ive been forced to move out of my home, repositioned to unemployment causing me to be backed up on bills. Making it more difficult for me to find a good job and a place to actually live .During the period these accounts was established I was very happy with the services. I was however not the ideal customer and made mistakes with the handling of my account. I should have kept better records regarding my accounts and I take full responsibility. I know that payment was my responsibility and I am not attempting to justify the breech of the agreement with you. However, I was hoping you can reconsider these old negation emails standing tradlines associated with this account.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Mortgage

In XX/XX/XXXX in the aftermath of Hurricane Irma, XXXX XXXX offered six month payment forbearance to residents in Florida impacted by the catastrophe. We accepted, received the agreement to begin payments in XX/XX/XXXX. We continued to receive late notices and additional late fee statements, called in and spoke with the individual with whom we had originally discussed the agreements and were told to ignore these as they would be updated after the end of the agreement term. We also exchanged several emails in this regard. In early XX/XX/XXXX I phoned her again to see how we should begin making the payments as we were told not to send them in the advice envelopes, and was told they were not ready yet to receive these payments, that we should not send until XX/XX/XXXX. They had not been prepared for the volume. So in Mid XX/XX/XXXX, we mailed the XX/XX/XXXX payment to the address we were given via email from XXXX XXXX at XXXX Mitigation. We continued to receive late notices with an amount past due in excess of {$19000.00}. The check for XX/XX/XXXX and XX/XX/XXXX cleared our bank account, and around XX/XX/XXXX, we started receiving calls as to why we had not made the payments. Ultimately, the caller had to admit they did have the payments an apologized for the two calls ( latest was Thursday, XX/XX/XXXX ). In addition, an appraiser showed up at our home unannounced to 'check things out ', which was a total shock. Now, XXXX has reported 120 day past due to all the credit reporting agencies for both me and my wife. Our credit rating has been stellar and this is not only embarrassing, but it has caused us to have to hire legal help to get it resolved with XX/XX/XXXX. They have handled this so poorly from the very beginning, and now they are harassing us mercilessly.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 or other personal consumer reports

I have an account on my credit report with XXXX  XXXX XXXX XXXX that I have paid in full and account is closed. Its still showing on my credit report as open and with a balance I will like for this to be updated to closed and paid or deleted due to my rights fcra. I will be submitting documentation Thanks