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

This person shared on XXXX that they were selling concert tickets, and I had friends that were close with this person so I assumed we were safe to buy the tickets. We spoke on the phone and she was specific about the tickets and information. Once we verified everything on XX/XX/XXXX, she told me her and her cousin split the tickets, and verified who her cousin was. I spoke with her cousin too and she asked me to send payment to her. I sent her the money via cash app and then she would not respond to me. She kept making up reasons not to send tickets then just stopped answering. I knew right away it was a scam. I contacted cash app immediately and they were saying they can not assist me and theres nothing they can do. It was immediate so there was no reason they couldnt assist me. They told me we could send any evidence to them but they didnt allow me the opportunity to send anything to them. We filed a police report and everything and tried to provide them with it, and they wouldnt even allow me to do that. The police verified with the woman whose XXXX page it is, that she had been hacked for months. We reached out to XXXX but they didnt help. We also contacted PSECU and they werent able to do anything, but we are out {$600.00} and feel the Cash App is not assisting us at all with getting our money back. We have been patient but we called them immediately and it should have been able to be taken care of. We hope we are able to get our money back since weve taken all of the proper steps in appealing. Security measures within cashapp must not be very good to not catch scammers. The police report number filed through XXXX XXXX police department is XXXX.
Product: Checking or savings account

This complaint is about Bank of America 's ( BA ) failure to provide access to my funds.

It is the second time in six months that BA has failed to provide access to my funds. In the first instance, BA admitted that it failed to provide immediate access to funds transferred to my account from the Federal Treasury.

This time, BA is not providing access to funds deposited directly with them. 
The date of the most recent occurrence was XX/XX/2020 : The initial time was XXXX XXXX ( I had an appointment ). 

For the last six months, I've had two CDs at BA -- one of six months duration and a renewable nine month CD. 

Subsequent to the maturity date of the two CDs, I went to the local branch to renew the nine month CD ( {$130000.00} ), intending to include in the new nine month CD {$15000.00} in cash from another account at the bank, and the balance in the six month CD ( {$32000.00} ).

The first person who tried to complete the task failed to include the {$15000.00}. Efforts on the part of a more senior employee with help from the back of the BA 's CD Department resulted ( I've been told ) to the addition of the {$15000.00} to the CD account. The total should be {$180.00}, XXXX. Since all of that money was already on deposit with the bank, I should have access to all of it. 

I was informed that it could take as long as a week to correct the Bank 's system, and until that time I would not have access to MY {$15000.00}. 

Really? It was already my money, and it's in the bank. 

Though the performance of the two individuals in the branch was less than stellar. My complaint is that BA 's system doe not provide a way for human employees to correct mistakes made by the bank in a way that provides depositors with immediate access to their funds. 

Same year, same bank, same failure
Product: Credit reporting

Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you
Product: Debt collection

I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.
Product: Checking or savings account

About a month ago, I was looking at my XXXX Performance Savings Account online at CapitalOne.com and I noticed that the " Available Balance '' was a little over {$10000.00} less that the running balance next to my last transaction. Normally, these numbers are the same, unless there is a large transaction that has not cleared. This was not the case, so I called the bank and was told this was nothing to worry about, it was just an error in displaying the information correctly. Today, a month later, my account has the same problem. This concerns me as a former XXXX XXXX because it either indicates that the bank has been hacked or their IT staff is incompetent and have no idea what they are doing. Neither scenario is a good one. I am contemplating withdrawing all money from this bank and moving it to one that takes their online presence seriously. The website gives no email address for complaints, only the telephone number that I already used. I would appreciate it if you could contact someone at a more senior level and make them aware of this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : SyncB XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I was assessed a XXXX sustained overdraft fee because I could not deposit enough money to bring my account back to XXXX} within four days. I will be assessed another XXXX} sustained overdraft fee at seven days, and another XXXX} at 12 days. That will be XXXX, plus the original {XXXX} overdraft fee, bringing the total to XXXX for one mistake. I see there is already a class action lawsuit against Citizens Bank for this practice, because they are not providing any services for these sustained overdraft fees, and it is many times higher that than maximum interest rate banks are allowed to charge. At the time of the class action lawsuit, there was a XXXX  sustained overdraft fee for every day the account remained overdrafted, with a cap of XXXX. Their new policy is twice as bad as the one that led to the lawsuit to be initiated.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX amount Financed {$3800.00} for Total payments of $ XXXX.Date : XX/XX/2016. I have constantly requested a monthly statement after payment. I was not informed that I would not received monthly statements that will show my pay-off. Every time I ask for a pay-off amount I receive a different amount according to who answers the phone. One day I went in person and the customer service person gave me the correct amount.However, someone heard him and said no that is wrong. they argued about my pay-off amount. I personally believe XXXX XXXX will not send statements so they can defraud customers on their pay-off amounts. Also, customers should be reminded of their high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. XXXX online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of American Financial. 

I have called American Financial - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, XXXX is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

XXXX sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and Experian and XXXX is reporting XXXX  They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, Experian and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Paypal issued an unauthorized hard inquiry on my credit report. I contacted my credit bureau ( XXXX ) and they told me to call Paypal and I did. Paypal sent me told me to fax documents to them and then refused to ever get back with me. I think it is insane how the government allows citizens of this country to be bossed around my big companies and do nothing about it. I am asking that you something because no one else is doing anything.
Product: Debt collection

After a purchase was made XXXX XXXX furniture in XXXX ms a XXXX XXXX Franchise. From the beginning I had problems with a couch that was defective. They refused to make it right and take care of the order was not right and it had defects in couch was corded and waves in right arm, they stated it would cost them to much to send back to manufacture to fix. 
I contacted them several times in Regard and sent there managers XXXX photos showing the flaws and he Looked at them and seen the problem but he never fix it or called back to make it right and XXXX stayed they would not pick up the couch and they never did left the couch and never picked it up. The bank that finance the couch agree that they sold me a bad couch so they decided to make it right and reverse XXXX   XXXX on the disputed e XXXX XXXX they decided that they get the amount me even after they had time to dispute it. So they turned it over to advance recovery services of XXXX Mississippi. This is not right and should not have to pay for something that was not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

In XXXX I received a settlement from an accident for my son, and was issued a settlement check from my lawyers office. 

I opened a trust account for my XXXX  son a Chase Bank, I am the guardian on the trust account. For an amount of {$98000.00} I deposited the check to Chase Bank. 

I noticed after a week the check had not cleared and they said they placed a hold on it, I called they said it was fraud prevention and might take 5-7 for funds to appear in the account and for hold to be removed. 

a week or so later I received a letter saying they would close the account, so I called, and they told me they were unable to verify the maker of the check or they could not remove the hold I contacted my lawyer and they said the funds were cleared from their bank account, and even sent me. copy of their canceled check. 


I called chase again to ask how to verify this business, as it is a lawyers office, in biz for 20 or 30 years, have a XXXX a website etc. and they said they couldn't verify their phone #. Their number is on the check, their website, XXXX  etc. and the lawyers office 's bank cleared the check and chase is holding the funds I have called them numerous times asking for a resolution and they keep telling me to have my lawyer add their number to public record. 

I am at a loss and so frustrated I don't know what to do. 

I have court records of the settlement and the letter with the issued check as well as a copy of the canceled check from the lawyer and Chase will not release my funds One agent told me they would eventually send it to the state for unclaimed funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Loan Depot in XXXX of 2018 to investigate a possible loan. I made it clear to all on numerous occasions that I was not yet ready to apply for a loan. Further, I made it clear to everyone I talked to, that I was 'shopping a loan ' and doing my due diligence. I specifically and vociferously made it clear that I was not authorizing ANY hard credit checks.

1 ) Loan Depot was never authorized to make a 'hard inquiry ' of my credit 2 ) I never applied for a loan with Loan Depot , giving neither verbal or written permission to check my credit score 3 ) My 'loan ' ( which I never applied for ) was denied because I had not finished the application process 4 ) Two hard credit checks were made to my account, which plunged my credit from a score of over 800 to under 700, making a home equity line of credit at my bank impossible. 

On XXXX XXXX, 2018 I sent the following email to all my contacts at Loan Depot : RE : Customer ID? LOan #? XXXX, XXXX, XXXX, Dear Sirs, The number ( s ) referenced above are from various email I have received from Loan Depot. I don't know whether the numbers represent loan # 's or customer ID.

I am confused as to my recent XXXX rating. When I began the process of shopping for a loan, my credit rating was over 800. It is now in the mid-600 's due to Loan Depot making hard credit checks expressly against my wishes. Furthermore, XXXX  and Loan Depot now report that I was denied credit by Loan Depot for 'incomplete application '. Of course, it is 'incomplete ' .... I never applied, or signed, a loan app with Loan Depot.

Let 's be clear : I never applied for a loan with Loan Depot. 

When talking to your representatives ( XXXX, XXXX, XXXX, XXXX, and others ), I made three things abundantly clear : 1 ) my inquiry was 'soft ', I was doing my 'due diligence ' to survey rates and closing costs and under no circumstances was my inquiry to be taken as an 'application ' because 2 ) I did not want hard credit checks dinging my rating while I shopped my loan, and 3 ) I was not applying until I had all the required documentation gathered.

The 'how & why ' an application that was never submitted or signed by me, was denied by Loan Depot , is irrelevant at this juncture.

What is Loan Depot going to do to correct the situation? 

regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a fraudulent XXXX XXXX XXXXXXXX account on my credit file. I have submitted a FTC FORM to Transunion and to XXXX XXXX XXXX. Transunion is still reporting incorrect information on my credit file. Please assist me in getting this account removed.
Product: Debt collection

On XXXX XXXX, 2016 I informed XXXX XXXX XXXX, the loan servicer for Key Bank, that I was unable to repay my debt due to being on XXXX, that I was filing for Chapter XXXX Bankruptcy, and directed that collection calls cease until conclusion of the bankruptcy. I have since received approximately 20 calls that I can document from XXXX, a collection agency representing Keybank, and XXXX XXXX XXXX. I have had numerous discussions with XXXX representatives and at least 1 supervisor explaining the situation and each time have repeatedly directed that they cease calling. Their most recent call was today ( XXXX/XXXX/16 ) at XXXX XXXX. Given their repeated refusals to cease calling I am filing this complaint seeking your assistance to get them to call. Please note that, although received for school, this debt does not qualify as a Student Loan that is exempt from bankruptcy discharge because it was received for education from a non-Title XXXX school. I have informed XXXX of this fact several times via telephone. Consequently, Consequently concentrix is aware that the debt they are calling about is essentially a general consumer debt, not a student loan. Your assistance in stopping XXXX continual harassment would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

These first two companies, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX were not authorized to do a hard pull on my credit report. This companies, XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I do not recognize at all.XXXX EXPERIAN These companies I do not recognize, 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 requested the company of XXXX XXXX  to validate that this account had been paid late on XX/XX/year>. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.
Product: Money transfer, virtual currency, or money service

In order to pay off an auto loan balance, I mailed a bank check for {$28000.00} on XX/XX/XXXX. The check had not cleared or been shown on my loan balance as having been received, so I made additional payments in order to keep the next automatic withdrawal from occurring, assuming the check had been lost. I sent three separate online banking payments, one of {$10000.00} onXX/XX/XXXX, one of {$9000.00} on XX/XX/XXXX and one of {$9400.00} on XX/XX/XXXX. This morning, the original check of {$28000.00} cleared my checking account. I immediately contacted Hyundai finance, they acknowledge they had received double payment, and said that it would be 15 business days before the refund would be issued by snail mail. It seems a direct wire or bank transfer is the proper way to handle a refund of this magnitude.
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/XXXX, MOHELA XXXX A Department of Education Servicer for Federal StudentAid, An OFFICE of the U.S. DEPARTMENT of EDUCATION, informed me via email that the Biden-Harris Administration had forgiven my federal student loan ( s ) in full as of XX/XX/XXXX. And, MOHELA has notified, or will notify by the end of that month ( XX/XX/XXXX ) all national credit bureaus of your student loan forgiveness. This has not yet occurred. Even after disputing the information and providing a copy of the forgiveness letter, all 3 of the major credit reporting bureaus still show the account as active with a balance.
Product: Checking or savings account

I submitted 2 more complaints for the same matter which is : TD bank is holding {$28000.00} of funds that were in my checking account they closed on XX/XX/2021, 7  months ago. Their responses to My two previous complaints were first that they would return the funds to the sender XXXX which never happened and second that they would send me a check of that amount to my name at my address on file which also never happened. So basically td bank closed my account with a {$28000.00} balance which never gave it me when they zero the balance in it. I am attaching td banks responses to ly previous complaints about the same matter. 
P.S XXXX XXXX the customer care advocate who sent the responses never responded to my numerous emails and phone calls.
Product: Debt collection

I have cintacted this company several times my purse id insurence cards all was stolden they are nastu and refuse to remove the fraud accounts