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

In XXXX, I purchased a {$1000.00} money order for {$1000.00} using my debit card at the post office to pay someone. It wasnt until a couple of weeks later that I found out that the money order bounced when deposited in the bank of the person I gave it to because it wasnt activated properly before being handed to me. 

I immediately opened a dispute with my bank ( TD ) and the post office to get my money back. TD gave me a provisional credit while they opened their investigation.The post office also opened an investigation and then escalated it to tier 2. They were of little help besides saying it was strange and the person at the physical post office saying they were having computer issues that day. They even confirmed it hasnt been cashed yet, its just in the ether. I called a week later to ask for an update and the person on the phone opened another investigation and escalated it to tier 2.

After about a month, TD asked for more proof and I faxed them all my correspondence with the post office, copies of my statement before and after the transaction and the money order stub but they said that wasnt enough. I even told them it wasnt even cashed. They asked if I had a voided receipt but you dont get that with money orders, only the stub. I couldnt give them the actual money order as the bank that cashed it wouldnt give it to the person I gave the money order to. They probably destroyed it by then. I was told the one investigating my case would call me with more information because what they wanted didnt exist. They never did.

I called the post office again a couple weeks later but the customer service rep didnt know what to do and offered to open a new investigation and escalate it to tier 2 ( sound familiar? ) and said someone would call me. They never did. After 90 days ( XXXX ), TD closed the investigation by default for lack of evidence on the weekend and took back their provisional credit, making me overdraft twice. 

The next day, the post office emailed me saying they were able to obtain a photocopy of the money order in question but they couldnt just give me my money back because they didnt have the actual money order, I had to fill out a completely new form for refunding money orders that could take up to 60 days to get my money back. 

The following Monday, I went to a TD branch in person and explained the situation again and the banker sided with me after I showed her everything I had including the new photocopy from the post office. She used all the info to open another new 90 day investigation which allowed me to get a new provisional credit. 

Its been almost 3 months since Ive heard from either and Im beyond frustrated with both of them. Im still out {$1000.00} ( MO + two overdraft fees ), stressed out and still no closer to a resolution. In less than a month, TD will automatically close their second investigation retaking back their provisional credit. 

XXXX incident number : XXXX TD Bank claim number : XXXX
Product: Credit card

I was sent a card in the mail and discarded it because it had my maiden name, for my last name. Later I received a bill in the mail stating I had a pastdue balance. I then called the number on the bill and reported it as fraud and even paid the overdue amount, so that it would not affect my credit. They told me they would. I later received a letter in the mail saying that I owed over {$1000.00} in purchases. I called again and asked them to close the account again, and explained to them again that I haven't gone by the last name XXXX, since 2007, and why would I XXXX myself by opening up an account in my Maiden name and destroy my credit, that I work so hard to build. Again It wasn't me! Now every time, I ask to be connected to their Fraud Department, I get disconnected, and no return call. I am now going to freeze my credit with all 3 Credit Bureaus and wait for an outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor ( navy federal credit union ) has violated my rights. Under 15 usc 1681section 602. States I have the right to privacy. 15 usc 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666 b, 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

We purchased our home in XXXX of XXXX through a conventional 100 % loan for {$240000.00}. I recently sent a letter to our mortgage company requesting to have our Private Mortgage Insurance ( PMI ) cancelled. I received a letter from them saying that our request was denied because our current loan-to-current value ( LTCV ) is not at a ratio of 80 %. I will explain why I feel this is inaccurate : XXXX We have never missed a mortgage payment or been delinquent on a payment in over 13 years at our house. 
XXXX When I called the company today ( XX/XX/XXXX ) I was told that we are at only 93 % LTCV because they are basing that off of an appraisal in XXXX when we refinanced at {$200000.00}. I explained that it should be based off the ORIGINAL loan appraisal of {$240000.00} in XXXX. On top of that I know for a fact that our house is currently valued at over {$310000.00} as we were told by a real estate agent in XXXX when we thought about selling our house, and now real estate values in my area have gone up even more. I was told by our mortgage company that they will " re-open '' our case but we also can pay for a new appraisal to prove that our home is worth more than {$200000.00} but I know this is not necessary if they actually go off of the correct ORIGINAL appraisal of {$240000.00}, let alone going off of current real estate market values.

Our outstanding principal balance currently stands at {$190000.00}. So we are actually at 79 % LTCV which is grounds for us to have a case for having our PMI cancelled.

Our mortgage company is XXXX, and the servicing company is Loancare. 
My complaint is that I feel that our mortgage company is forcing me to have to pay for a new appraisal at my expense in order to have my PMI cancelled which is unfair when the Homeowner 's Protection ACT allows for PMI cancellation once someone has reached 80 % LTCV payoff of the ORIGINAL loan and has great payment history like we have.
Product: Debt collection

I 've asked to cease communication with XXXX XXXX on several occasions but I continue receive written correspondence and telephone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX Balance : {$510.00}
Product: Debt collection

I received a Payroll Garnishment for a medical bill from 13 years ago on my son whom at the time was in states custody in an interstate compact agreement between ND an XXXX to which at the time he was covered under Government Insurance ( XXXX ) between both states. Not to mention this debt has exceeded the statue of limitation of 6 years in North Dakota.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Capital One to update some personal information. Can I legally change my name in a XXXX, California court I sent them all my documents, a copy of my license, phone through the mail and do the Internet, since then, I havent gotten my cards Ive called them They stop my card even though I paid my bill every month. They say they cant verify my documents so I told him I cant verify my payment. I always paid both of my credit card accounts to Capital One. All I want to do is start my cards again get the right card name on my card info. And use Capital One. For some reason, their fraud department is giving me a hard time even though I gave them all the documents I have tried this three times please help.
Product: Money transfer, virtual currency, or money service

I requested a transfer of assets from my Robin Hood account to XXXX on XX/XX/year>. On XX/XX/year> I was denied and my account was restricted with Robinhood. They told me they needed my bank statements and ID verification. I sent them my ID verification and on the website and app I cant upload my bank statements. I requested a call on XX/XX/year>XXXX  and didnt receive a call back until XX/XX/year>. The representative was not helpful, took my information and said his team was going to follow up on it. Today I logged in on my app and it is still requesting more info that it wont let me submit. Robinhood is holding my funds hostage when they had no problem in the past taking my money.
Product: Credit reporting or other personal consumer reports

Recently, I got an alert that there had been an inquiry on my credit report. On the credit report, it showed that a hard inquiry had been made to XXXX XXXX. I called XXXX XXXX and they said no accounts had been opened. I have filed for disputes with XXXX online. I called Transunion and they directed me to FTC for an identity report. The inquiry information on the credit report has an old address and an incorrect phone number on it.
Product: Credit reporting

A satellite company has been harassing us for XXXX years accusing us of not returning their equipment. We did return the equipment and we were in contact with them as we did so. They sent us the boxes and forms to use to return said equipment. Emails were sent to us saying the equipment was received and they are dated! On our last phone conversation we told them to please remove the " negative '' item from our credit report. We even sent them the emails indicating receipt of the equipment. They have asked for and we did send copies of our correspondence. We got no reply and then after a XXXX of months, another debt collector begins calling and harassing us for payment. I do n't know how many times we have to do this, but this negative continues to show on our credit report. In the meantime, I have purchased a home, a new truck and a motorcycle and have had to present proof and documentation to the lenders in each instance. We have asked them again to remove this negative in the last month but have received no word from them. They demand proof and when we supply it, they ignore us. I want this blight removed and I have gotten no satisfaction from this company.
Product: Debt collection

Hello, I am submitting a formal complaint against a company known as, " Phoenix Financial Services LLC. '' XX/XX/XXXX, I observed that I had a collection agency by the name of Phoenix Financial Services reporting to the Credit Bureaus as debt. I immediately researched the company to resolve the issue. I spoke to a customer service representative by the name of " XXXX '' and asked her about the account in question. XXXX informed me that she only collects a debt for the original creditor. I asked XXXX, who was the original creditor. XXXX stated the original creditor was a doctor or hospital. XXXX  stated, she did not know but she could provide me with a settlement offer. I asked XXXX about the settlement, due to the fact I do need to remove this item regardless of, I am trying to purchase a home. XXXX stated she could settle the account for XXXX dollars and write off the remaining amount. XXXX also stated that I need to hurry up and make a decision to accept the settlement cause she did not know when the company would get rid of my file. I asked XXXX if she could provide me with validation of the account. XXXX stated, I will email you. I received ONE email with a settlement offer attached. This is the last I spoke to XXXX in regards to this account. I still am unaware of the original creditor or how it 's validated to be my account. The company reported that my account was opened XX/XX/XXXX, today, XX/XX/XXXX, I received a letter from Phoenix Financial Services dated, XX/XX/XXXX, stating that they have verified my account with the original creditor with a " Statement of Account '' that I received with a date of service, XX/XX/XXXX. The Statement of Account states that the " Statement Date '' is XX/XX/XXXX. I have never received ANY form of statement, validation, or so forth.
I would also like to state, if this is a MEDICAL debt that I am legally responsible for, the service date for XXXX XXXX, should have been covered by his medical insurance, which should have been billed Texas Chip Medicaid.
Product: Mortgage

Ive been working on medical bills issues with Covid and now another health issue and more out of pocket expenses.. State employee credit union is playing games with me and has single me out from the rest of their members.. Ive talked with one member as the pandemic is ongoing.. In 2019 around XXXX I went to the XXXX XXXX XXXX had XXXX in XXXX bills asked for XXXX XXXX in tens XXXX  in fives and XXXX in ones. I didnt count the money.. I then handed over to a store owner.. Later that day got a call from credit union that I was giving to much money in fact I was given XXXX in fives and to turn in the transaction.. I told the credit union that the money was given to store owner .. months and yrs to follow I have received letters affecting me my mortgage ect.. I have every letter that was sent and would like help with this on going issue
Product: Credit reporting or other personal consumer reports

The collection was removed from my report and then added back. This removal should have been permanent.
Product: Credit card or prepaid card

I extended my credit to capital in which was accepted, however was no benefit to me which is unauthorized use. My account was closed due for no reason due to first party fraud. This is an extension of my own credit, as the creditor I am invoking my specified remedy
Product: Consumer Loan

Have been making payments since we got the truck in XXXX, and Ally claims they did n't receive 3 months of the payments and repoed our truck. Have sent confirmation emails and bank statements multiple times and they still have n't fixed the problem.
Product: Mortgage

Navy Federal Credit Union is failing to comply with the CARES Act and not allowing me to apply for 180 day forbearance of my VA backed mortgage. They offered a three month period with no additions.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Checking or savings account

Good morning, SoFi Technologies Inc Bank put a restriction on my checking account in XX/XX/year>, they claim they sent an email stating the reason why but I looked through my emails I don't have anything from SoFi nor a letter in why they closed my account. I called XX/XX/year> to get some information, but they refused to give me any information. I called in XX/XX/year> and was told it's still under review. XX/XX/year> I asked to close my account. They kept stating that they added notes for the review team and that they would get back to me. I haven't heard anything back no email or letter. I asked to close my account they refused to close my account and released my funds of {$79.00} in my checking account. I need help I don't know what else I can do they won't let me talk to a supervisor. I want this account closed and my money released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX 2. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  Account Number : XXXX 6. Identity Theft XXXX  XXXX Account Number : XXXX 7. Identity Theft XXXX  Account Number : XXXX 8. Identity Theft XXXX  XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an excellent payment history with my payment accounts, credit cards etc. It started last year that XXXXXXXX XXXX said they received information from Equifax that I have sever delinquencies. I reached out to Equifax and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.
Product: Vehicle loan or lease

My compnay purchased & financed from Wells Fargo equipemnt. At the end of our purchase agreements, we were told, confirmed in writing, verbally several times about our final payoff for our vehicles. When we tried to actually pay the full amount to purchase our vehicles, and to get our titles, we were told to pay 3 times more the amount than origianly advised and agreed.
Product: Credit reporting

I have submitted an identity theft report IE police report and I have given them an affidavit and I have identified the fraudulent items and I have provided appropriate proof of my identity which meets all the sections of 605b of the Fair Credit Reporting Act to have TeleCheck remove the items within 4 business days of my reporting this. I 'm going to include these items to Telecheck once again in this complaint and they will see that regardless of the time frame the law does not allow them to not block the items if I meet those XXXX sections. They are not blocking others because they claim the company has verified it and all they 're doing is saying it was me when I 've already proven in court that it was not me. XXXX is not reporting this information anymore and neither is XXXX they need to remove these items from their records permanently because they are fraudulent. When they respond they do not answer my claims they give a garbage explanation of how they break the law and I 'm saying they need to stop breaking the law and they need to comply with the law and I 'm going to include a copy of that in this complaint.
Product: Money transfer, virtual currency, or money service

There was a purchase on my walled Apple Card for {$75.00} on XX/XX/year> for a company called adobes however the purchase was from XXXX debit card. I called XXXX to demand a refund and I did a dispute waited XXXX hours got an email saying it was denied because I made the purchase I never agreed to this transaction my phone was missing my daughter is XXXX and made this transaction to get another program they never took that into consideration so I called XXXX  to get a refund and the service XXXX  is telling me to contact XXXX the fund was taken. By XXXX  the subscription was a yearly subscription now they are telling me the subscription was cancelled and I dont have access to to the plan however the fund was taken for a year Ive spoke with rep and support no one can help me XXXX  tells me that I will get an email or a call back never get XXXX is been a month I was my funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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