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

So here is the issue. I have two bank accounts one that is partnered through work, alot of benefits and i have an old bank of america account that my husband and i have jointly. I needed to pay rent and do to holiday weekend the bank was closed. So I called BOA the support line and they recommended the wire transfer in one day. Pay the fee they walked me through it. This was on XX/XX/XXXX. 

Amount XXXX I figured holiday weekend I won't see the funds till perhaps Monday or Tuesday. Come Tuesday still didn't see the funds so called BOA. They state the transfer was completed. Called my other bank they state they seen it come in but with error stating BOA had pulled back the money and rejected the transfer. 

Called BOA back, was told that the person at the other bank rejected the funds. When i stated i was the other person and I did not reject the funds they hung up on me. 

Called again, was told I would have to pay for a tracer. Fine payed for it. No update. Called on the XXXX, Was told no tracer was put on it. Yet the money was taken from my account. They put a tracer on it. 

Called the XXXX, still no update. 

Called the XXXX, they said the funds where put in my account. I told them check again and they looked at my account saw the funds where not in my account. Was told it should be in within 2-3 days. 

Called back on the XXXX, spoke to a manager. Was told money could take 3-5 days. That by friday should be in. 

Well today is friday the XXXX. Money wasn't in my account. Called. They said it was in my account. Told them to look at my account and see if they saw it. Oh it isn't there ... one second let me ask a colleague. Was told by collegue it is processing. Asked how long could that take a day- week, month. Was told there is no timeline when you will get your money, whoever told you a timeline was wrong. Hung up on me. 

Called back to escalate. Employee refused to transfer me to a manager telling me there is nothing they can do. Was told they can escalate the case. I asked I thought they did that last week and Monday. No response. Told me it was done and asked if anything else she can do. Then wanted me to do a survey. Told her no as I don't think in my current state I would do her survey any good. I am upset it been 2 full business weeks and my money is gone.
Product: Money transfers

I am writing this letter in regards to a money transfer problem I am having with PayPal. 
On XXXX XXXX 2016, using PayPal 's money transfer service, I authorized a money transfer between my bank account and my son 's PayPal account in the sum of {$3000.00}. Five dollars was PayPal 's fee for the transfer, {$3000.00}, for my son. As cited on my bank statement, the withdrawal from my account, as an electronic check, happened the same day of the authorized transfer, XXXX XXXX. PayPal 's website claims that the money would be available six days from the authorized transfer, on XXXX XXXX. The day came and went, no transfer, the money is still pending on my PayPal account as of XXXX XXXX, 2016. 
I have tried a stop check and filed a claim with my bank against PayPal ; the bank said that because the withdrawal was in the form of an echeck ( can not be traced ) and it was authorized by me, that there is nothing the bank can do for me ( after 10 days and a fee ). We tried a XXXX phone conversation, me, my bank, and PayPal with no resolution, PayPal 's customer service representative misread my information and told us the money had been transferred to my son 's account, when I checked later by computer, it had n't. On my PayPal account site for some reason, above the transaction it reads 'pending ' but under my son 's name, it reads 'money sent ', yet nothing 's been sent. I called XXXX local lawyer offices looking for advice, XXXX told me to write our state XXXX and file a complaint with the Consumer Financial Protection Bureau, the other office suggested I try to call the XXXX that processes the echecks. 
I have called PayPal 9 times since XXXX XXXX and no customer service representative can assist me with this problem, nor can they give me a real reason why the transfer has not happened. I was to get an email about the problem, yet never did. All the customer service representatives tell me they can not give a time frame for when the transfer will occur. XXXX representative told me that it was my bank holding the money ( not ) ; XXXX others said that ACH the business that processes the electronic checks, lost the link to my check, there was to be an IT technician on the problem soon, still no time frame. I asked PayPal if I could call XXXX, they said no. I called the company that writes the rules for XXXX, XXXX XXXX XXXX XXXX XXXX, and asked them if PayPal or XXXX could have lost the link to my check, they said it was not possible. So, I am at a loss as to how to get this money either back into my account, which would be my number XXXX resolution, or into my son 's PayPal account, where it should have gone in the first place. 
Any advice, information, or assistance will be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this credit card called ideal I contacted the company and they sent me a letter looked in to it and was a fraud I have the letter they sent to me saying I was not responsible for this card and they would send the 3 credit card companys saying it was fraud and it was never taken off my credit report 2 years Ive been waiting no response yet they will not take it off
Product: Debt collection

ON XXXX/XXXX/XXXX and XXXX/XXXX/XXXX i have recived those summons pertaining to credit card debit, from law offices of lustig , glaser & wilson , p.c . in XXXX ma. XXXX, i was told to call the office and i did and i explained my situation that im in finacial hardship and a dependant living XXXX, they told me to send a written statement saying what i had just said, so i did, i called back to see if they had got the statement, no answer to the question, then they proceeded to tell me to read the summons and sign it, i had told them there was no where to sign, so they said they would send me something to sign ( not telling me what after asking ) i had received it signed notized and sent back, IT WAS A STIPULATION OF JUDGMENT )., i got a letter staying that they never got the stipulation of judement i sent, but i made copies.. I called and they told me dont worry about that., after not getting any answers i called a voluntary law office free of charge to ask a question about this, he told me i should have gone to county clerks office to let them scan the summons in, so, i went on line to the XXXX court portal and found they had won one of them, the other was still open, i went up and had them scanned, And then i got a FINACIALl statement from them to fill out.I had no court date, they just did all this without my knowledge., now i find out the other summons they sent they won, after all i had gave them, a written letter, they requested, a stipulation oF JUDGEMENT i new nothing of what it meant, and now a FINACIAL statement stating that that i failed t make satisfactory payment arragments with them ... they had already won and i had no court case., no knowledge of them even going., i have not filled the finacial statement out, i feel that they did not follow the rules of the law and just decided to do what they wanted without me knowing, i have made a complaint with attorney generals office in mass, and explained it to them, i barely get by .now they do this, getting away with an action i was unaware of., so they won both cases, and i was not present for either one nor did i know of anything else that they did.,
Product: Debt collection

The hospital never billed my insurance company ; I contacted the hospital and was told they would rebill my insurance company the amount owed and would notify me if I still owed anything ; I was never notified of an outstanding bill, I was never told the account was turned over to collections, I was never notified by collection agency before putting on my credit report, and the monetary amount provided on my credit report is inaccurate.
Product: Debt collection

BYL Collection Services LLC is trying to collect on a debt that they can not provide proper validation for. No original source document meaning a signed contract between me or even between the original creditor to show this debt is mine has been supplied. They are breaking the law, I want them to cease and desist with all collection practices and all communication. If the are representing an original creditor then the original creditor needs to supply me with the original contract that has my signature on it or an official call recording of any specific conversation that I had to become liable for this debt. They are violating section 609 of the FCRA and I do not want them contacting me anymore.
Product: Mortgage

XX/XX/year>, I provided a copy of my tax bill to Shellpoint Mortgage, due to the company stating they did not have an update to copy. XX/XX/year>, I received a letter stating they could not pay for the same reason, not having a copy of the tax bill. The same day, I sent a copy via the provided email and copied my original loan officer. Weeks later and several phone calls later, one with my original loan officer from XXXX, no solution or taxes were paid. Due to working for the XXXX of XXXX, I can not owe any debt, so I paid the bill of {$2700.00} plus the late fee on XX/XX/year>. In addition, I did not want to continue to be delinquent on my property taxes. I contacted Shellpoint to make them aware and requested a refund of my escrow. In addition, I followed up with an email a few days later, XX/XX/year>. After several phone calls, I received a letter stating, I would not be able to draw down my escrow due to not having the loan for a full year. Once again, I called and discussed the reason for requesting a refund ( unpaid taxes in which I was forced to pay, though I had more than enough in my escrow to cover the bill ). As of today, I have close to {$9000.00} in my escrow account and would like a refund to cover my out-of-pocket expense and to pay future bills. Please note, XXXX also assisted by contacting their corporate office and was unable to solve the problem ; however, they are still working to assist with the refund request. Please assist with this concern, thank you.
Product: Credit card or prepaid card

B of A wants to change additional {$2.00} from they already charging
Product: Vehicle loan or lease

In XXXX, I was XXXX XXXX XXXX XXXX XXXX where another driver ran a red light, leading to my car being totaled. The insurance company deemed the car beyond repair. During the period of awaiting the insurance payout, I continued to honor my car loan payments via autopay to BMO. The loan was fully paid off in early XXXX. 

Due to the ongoing autopayments, the final insurance settlement resulted in an overpayment to BMO. Since then, I have been diligently trying to resolve this issue and recover the excess funds. Despite my continuous efforts, including making 18 phone calls to BMO, the matter remains unresolved. 

Each interaction with BMOs customer support has been unproductive, often ending with the call being abruptly terminated, or with promises of a refund check that never materializes. My requests for a tracking number or specific details about the refund have been repeatedly ignored. In my most recent call, I was advised to call back on another day, which only adds to the delay. 

This situation has persisted for four months, during which I have never missed a payment. The lack of assistance and the apparent disregard for my concerns by BMO is both frustrating and disrespectful. I have dedicated nearly 20 hours to phone calls, trying to resolve this issue, yet to no avail. As XXXX approaches, there is still no resolution in sight. 

I am reaching out for assistance in addressing this matter with BMO, as my attempts to communicate and seek a resolution have been consistently met with evasion or empty promises.
Product: Credit card

I was at a Best Buy store ; the clerk tried to talk me into a Credit Card. I said No, I don't want one. Instead of letting that go, they registered me as having been DENIED a credit card. This is dragging down my credit rating. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially on XX/XX/20 I submitted a complaint id XXXX that transunion had incorrectly removed my XXXX XXXX credit card from my credit report which dropped my credit score 41 pts. On XX/XX/20 my XXXX XXXX credit had been readded to my credit report increasing my score 34 pts however as of XX/XX/20 my XXXX XXXX credit card had been removed from my credit report once again dropping my credit score now 37pts. I reached out directly to Transunion advising them my card was incorrectly removed again. I was advised there was nothing they could do since they only report from the creditor. My credit card is still active and should not have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Product: Credit card or prepaid card

On XX/XX/2021 I reported fraudulent activity on my debit card immediately after noticing the unauthorized transactions. ( Someone activated my card and starting using it, I never received it ) Way2Go sent me out a new debit card and never investigated the fraudulent activity. They were supposed to do an investigation and refund me my money that was stolen from my card.
Product: Vehicle loan or lease

My wife and I purchased a vehicle XXXX of XXXX. We made our first payment in time in XXXX, and then called Citizens Bank ( the loan holder ) to change the due date of our payment from the XXXX of each month to the XXXX of each month. I was assured the change was made, and my next payment wouldnt be due until XX/XX/XXXX. I just made my payment online, and I am still showing a due date of the XXXX and that I have missed a payment. Nobody at Citizens bank will even answer my phone calls. It is a complete scam of a company.
Product: Mortgage

PennyMac, XXXX. XXXX, XXXX XXXX CA XXXX ATTN ; XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX , XXXX XXXX NY XXXX Loan XXXX XXXX XXXX & XXXX XXXX PROBLEM ; On XX/XX/20, we applied for a loan modification on our mortgage. We were given 2 options for a modification ; a reduced monthly payment or having 3 mortgage payments added to the end of our mortgage ( extended maturity date. ) It was called a forbearance plan where there would be no mortgage payments for a specified period of time. Then normal payments would resume. We choose the forbearance plan because a modification with a reduced payment required the establishment of an escrow a/c. 
By the terms of our original mortgage, an escrow a/c was waived and we paid taxes and insurance direct. They received our application on XX/XX/20. I am now receiving foreclosure notices that an escrow a/c was opened and we are delinquent on our mortgage. I have made numerous phone calls to have the escrow a/c removed to no avail. I need your assistance as my advocate to request the removal of the escrow a/c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said that they were going to delete XXXX XXXX off my credit report per complaint report number XXXX. 
I've been closed a screenshot of Equifax saying that it was deleted and they never deleted it off my report even though they stated on the complaint report that they did. Needs to be deleted immediately. Still never honored and deleted it. This has been an ongoing issue for over 3 months. It's still an issue even after the complaint is closed they said it was already deleted and has yet to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year the our ( my wife and I ) Transunion XXXX accounts were shut down and we were switched to Service.transunion.com, which appears as an makeshift access to Transunion. When calling in we were told that Transunion had switched all non paying clients to the Service.transunion.com site, and since has had problems with proper credir reporting to include the site not showing what can be accessed elswhere. Today I did a XXXX search for Service.transunion.com and nothing showed up. Also went to the main Transunion website and the XXXX  website and there was no mention of Service.transunion.com. And everytime we had asked about XXXX  which was and still is the FREE Transunion access, we were told that we had to stay with Service.transunion.com, an access that's not even listed on any of their websites, nor is there anything in the search engines. this makes me think my wife and I are on a special access to Transunion and have been blocked from accessing Transunion the same way we did in the past.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Specifically multiple scammers trying to do multiple transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Syncb/walmrt Inquiry from XX/XX/XXXXSyncb Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, XXXX and Trans Union previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
Product: Mortgage

A check was mailed to pay for my CA XXXX XXXX and it was received late. This resulted in me losing insurance and having to pay out of pocket. I was told by CA XXXX XXXX that it is in their policy that a check needs XXXX processing so I dont understand why it would have been mailed out XXXX  days prior to the due date. 

To request a refund from the CA XXXX XXXX, I must provide them with a copy of the cashed check ( front and back ). I have requested this copy XXXX  times and still have not received it. I am at a stand-still now. I am out {$3600.00} right now and had insurance cancelled that never should have been cancelled. I need this check copy or better yet, for them to get this fixed since it was their error!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, XXXX
Product: Credit card

Wells Fargo does not show the customer the statement balance owed without interest on their main online user interface.
Product: Checking or savings account

On XX/XX/24 I noticed my account balance was XXXX. When I went online and checked my account I noticed two charges to a component called XXXX one amount for XXXX and one for XXXX and that those amounts was on hold and had not cleared. I contacted credit karma and advised them I did not authorize those charges. I was told there was nothing they could do until the transaction was completed then I could file a dispute. I also noticed two other charges that I did not authorize for XXXX and XXXX to XXXX XXXX. I was able to talk to someone at XXXX XXXX and they called the number to the fraudulent account that was opened with my info and money. They XXXX called and a man answered the phone and when I confronted him he hung up. XXXX XXXX advised me that they knew it was a fraudulent account and to contact my bank for a refund but XXXX XXXX would not give me the phone number on account.