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

XXXX XXXX PM - I received an email stating : " We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % XXXX-based customer service team is available 24 hours a day, 7 days a week. '' XXXX XXXX AM - I call XXXX in regard to losing access to my online account, after holding for 15 minutes. 

XXXX XXXX AM - I call XXXX in regard to losing access to my online account, and after being on hold for 1 hour and 21 minutes, I hang up, as the wait time was much longer than expected, and I plan on calling back at a later time. 

XXXX XXXX PM - I call XXXX in regard to losing access to my online account, but my phone glitches. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 3 hours and 13 minutes, then I am hung up on. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I decide to call again later. 

XXXX XXXX PM- I call the alternative number listed in the email, XXXX, being put on hold for 30 minutes, speak to a representative, and am told that the line is only for credit card issues, and that I should call XXXX. 

XXXX XXXX PM- I call XXXX, expressing the urgency of not having access to my primary bank account for three days now, am denied a request to speak to a supervisor, and am told my only option is to call the number I've been attempting to call the past three days, but have received no response from. 

XXXX XXXX PM- I call XXXX but the line states that the wait time is still over 90 minutes, so I hold for 27 minutes, and decide to call again at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I have submitted information including police reports of identity theft and other identifying information and Experian has refused to investigate these items. Experian most recently sent me a letter basically telling me they will not continue to investigate items on my credit report which is against federal laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three companies ( Equifax, XXXX, XXXX ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the Equifax breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
Equifax made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
Product: Credit card or prepaid card

On XXXX, I tried to activate new AA Citibank Mastercard. Very difficult because citi has used my ex work number ( XXXX ) as my primary number. I can not set up account or do anything because the system wants to send verification to that number. It is not the mobile number that was used for verification. I called, did online chat w XXXX, sent messages through XXXX XXXX. No one will resolve the issue. XXXX Had conference call and told 24-48 hour resonse time. A letter from them has me call for security verification, but I can not get help. It seemed just a regular phone line for credit cards. I have explained this mistake of theirs multiple times. I have wasted hours and gotten very upset. Citi has been unresponsive and impossible. Screenshots of some emails attached.
Product: Credit card

On XX/XX/XXXX, I purchase a watch for my daughter at Bloomingdales in XXXX while on business. The sales rep said that if I opened an account that I would get a 25 % discount. I wanted to pay cash and she told me that I could go to the credit department and pay it off. There is not a Bloomingdales in XXXX and I knew that I would not use the card again since that is not somewhere that I shop. When I went to the credit department to pay off the account ( amount of the watch ), I was told that I had to wait for the bill to pay it. By XX/XX/XXXX I had not gotten a bill. I was told that I was late but still no bill. I paid it off XX/XX/XXXX ; asked that they close my account ; and disputed the credit with Bloomingdale as well as the credit bureau. They said the account could not be closed until the payment posted. There was only XXXX transaction that was ever charged on this account and it was the original transaction the date the account was opened. 
The account is still in dispute for being late and I wrote a letter on complaint for Unfair and Deceptive Practices for the way in which the account was opened. On XX/XX/XXXX I tried to get a loan and was denied due to this disputed item still on credit bureau.
Product: Credit reporting or other personal consumer reports

Capital One credit card and XXXX XXXX XXXX credit card pulled my credit on all 3 bureaus. 
XXXX, XXXX, XXXX. 
This happened over night at XXXX and XXXX. 
I did not request any credit to be pulled nor did I inquire about getting a credit card.

I currently do not have any open credit cards with these companies
Product: Vehicle loan or lease

On XX/XX/. I walked into Carmax with a preapproval letter from XXXX XXXX. I had already chosen my vehicle online and gave them a pre-qualified credit authorization form. I made it very clear upon purchasing that I only wanted to use XXXX XXXX. I was offered several times other financing options, and I made clear I did not want my credit to be run against any other report other than XXXX XXXX. Upon checking my credit report, I found Carmax ran my credit through their system without my authorization. I went to the location and spoke to them about it, and the manager XXXX had informed me that it mustve been a mistake because of a click of a button. I found this to be unacceptable and unlawful. The credit authorization form through Carmax only has an electronic signature that I did not authorize, which is also illegal.
Product: Checking or savings account

On XX/XX/2023 I called Affirm Customer Service to ask a question about my account loan. I returned 3 items to XXXX and was concerned how Affirm would know not to take the payments out of my account for the items I returned to XXXX. Customer representative said he will transfer me to someone, the person I was connected with repeated the last 4 numbers of card that was used for transactions and asked me to confirm that the last four numbers.

After that I was alerted by text message that suspicious activity was happening with my personal bank account. I instantly contacted my Bank and confirmed I did not make any withdrawal transactions of any kind. 
They told me XXXX  transactions were made to someone I never heard of. 

Claims were made with my bank, cell phone company and a police report has been filed as well.
Product: Debt collection

I purchased with a XXXX debt a table with XXXX online, delivery date of XX/XX/XXXX. Received an email stating the delivery was postponed until XXXX. Next was a new date of XXXX and I decided to cancel which I did by speaking to Ms. XXXX XXXX and Ms. XXXX XXXX. Because of the delay, I requested XXXX to refund my money because of the timing and XXXX several delays. They honored my request and indicated that to XXXX XXXX and the matter was resolved. Several months later, with no notification, Cedar Financial placed a derogatory debt collection on my credit report on XX/XX/XXXX. I called XXXX According dept and they indicated that its impossible because they only deal with their credit cards. I dont have an XXXX or XXXX Card. I used my XXXX debt. You cant order online without a card. In addition, the product was never delivered and never left the companys docks. My new delivery date was in XX/XX/XXXX. I ended by a table off XXXX because the holidays were approaching. I could not host my family in my new house for XXXX. I was clearly upset over the delays. Now, Im extremely upset over the false reporting on my credit report. I have emailed letters indicating such facts. XXXX and I seldom spoke over the phone, most through emails. Order # XXXX was not delivered at all. Thank you. 
XXXX XXXX PS : I can send the emails to another email but Ill have to take snapshots of the emails. Im not tech wise!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax didnt remove late payments
Product: Vehicle loan or lease

I leased a XXXX XXXXXXXX XXXX from American Car Center ( now Westlake Portfolio Management ) and had severe engine problems within my warranty period. The XXXX balance was only two payments away from being completely paid off and upon diagnosis, American Car Center deemed the car " unfixable. '' They agree to put me in a new vehicle and apply the previous pay off balance to my current vehicle but upon returning to the dealership I had a very unpleasant experience and had to abruptly pick a new vehicle against their wishes. I'm left with a bankruptcy company and Westlake Portfolio Management refuses to cooperate with me.
Product: Checking or savings account

On XX/XX/2022 a payment transaction was made from my Chase checking account to XXXX XXXX for the amount of {$9000.00}. I do have an account with XXXXXX/XX/XXXXhowever this transaction had nothing to do with any account affiliated with me. I disputed the amount before the transaction went through however Chase said they could not act on it until it went through. Ultimately 2 weeks later they determined that the transaction was not fraudulent based on the fact that I had made prior transactions to XXXX XXXX and even though they were not able to tell if the transaction was made to a completely different account. Their resolution was that I should file a claim with XXXX XXXX which I did however their resolution was that the claim should be made with Chase. I keep getting shuffled between the XXXX companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I mailed a letter to the United States Bankruptcy Court XXXX District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court XXXX District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX   obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.
Product: Debt collection

Capital One Bank in XXXX, Virginia. Amount owed : {$450.00}. Please write-off. 
Ms. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX Please remove this derogatory mark from the 3 credit bureaus, XXXX, XXXX XXXX, XXXX, immediately. Today.
Product: Debt collection

i'm a victim of identity theft and today XX/XX/2024 i logged into my credit file to get a new updated credit report and noticed that after several disputes CAVALRY PORTFOLIO SERV is still intentionally reporting a fraudulent debt of {$410.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CAVALRY PORTFOLIO SERV or anyone they are collecting for, I do not wish to contract or do business with CAVALRY PORTFOLIO SERV. i have requested all all itemized transactions and statements so i could investigate CAVALRY PORTFOLIO SERV has not sent me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.
Product: Debt collection

This is an FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!
Product: Debt collection

On XX/XX/XXXX I received a text message from my brother, I'm copying and pasting it here. Someone called me to see if you were available to sign some legal documents. They said they were a courier and couldn't tell me more than that. Their telephone number is XXXX. Case number XXXX. I called and was told that they were XXXX a debt collection agency. He told me that they were going to garnish my wages if I didn't pay {$3000.00} for an old HSBC credit card from XXXX. I didn't trust the man on the phone so I started asking questions and he got angry started yelling my ss # and old address and said that he'll tell them that I want to go to court and then hung up. Ive read online and was told by XXXX XXXX XXXX XXXX that it's a scam. HSBC should be liable, sued and fined for allowing scammers to get access to people 's social security number. It's a breach of security and trust.
Product: Bank account or service

Paypal Credit claims to have offered a payment plan which requires an amount due of around XXXX a month, this offer was never received but am interested in taking advantage of it. I do not have offer details as again, they were not received. However, there are several fraudulent orders from an XXXX which need to be resolved first. These orders run into the thousands and were placed by a relative with a very similar name, XXXX XXXX. My full legal name is XXXX XXXX XXXX, he was able to successfully place these orders as the name as well as address matched. If Paypal Credit is willing to work out a settlement and accept a payment plan of XXXX a month then I will gladly make payment.
Product: Vehicle loan or lease

I filed a CFPB complaint about a previous improper repossession by Ally on XXXX XXXX. On XX/XX/XXXX, the bank closed my account and sold my loan to another creditor. I was not aware of this until XX/XX/XXXX, when I checked my loan account. The bank accepted my payment, however, has made certain functions on my account unavailable. I called the bank to inquire about this, and they said my car was repossed, I asked what were the options of restoring my account back to normal, and the agent said I needed to pay the entire amount. The agent from the bank, who was supposed to contact me, regarding my first complaint, has not returned any of my calls, and the agents pretend they cant hear me when I call the main line. I believe they are trying to repossess my vehicle unlawfully yet again, in response to my first claim.
Product: Debt collection

We were contacted by XXXX XXXX XXXX XXXX in regards to citibank secured credit card. 

THIS IS A SECURED CREDIT CARED ... WE PAID A DEPOSIT. WE DO NOT OWE MONEY.
Product: Credit card or prepaid card

Company claims I had two charges totaling a XXXX $ however the card was lost and I couldnt access my account online with paperless billing and it was showing up to active my new cards when I finally received a call I called them back and they wouldnt tell me what the charges where and are charging me over XXXX $ in fees I asked to to come to a settlement explaining the situation and confirming my payment history with the card that it was always paid a fees days after it was used she said no and hung up on me. I wouldnt have known to contact them if I didnt use the card and they wont even explain what the charges are
Product: Mortgage

In XXXX of this year, I called Fay Servicing to make arrangements to catch up on payments that we had fell behind on, I didn't get the name of the man I spoke with but I had my phone on speaker and my granddaughter  was with me. I ask if it would be possible for us to pay {$300.00} twice a month for the remainder of the year 2020, that should catch us up completely, I was told that it would be fine for us to do that beginning in XXXX. In feburary we paid two payments of XXXX $ and the first of XXXX a payment of XXXX XXXX The middle of XXXX we received two envelopes with the checks dated XX/XX/XXXX and XX/XX/XXXX, along with form letters, the letters were marked, that because our loan was in preforeclosure or forecloser that they could no accept a payment lower that the full amount. I thought they were returning the payments but when I spoke with the bank they assured me they were cancelled checks and the money was withdrawn for our account, I tried numerous times to call the number given but all I get is a recording stating that they are receiving a large volume of calls and hold times could be long, after about 2 for 3 minutes I get the option of leaving a voicemail or contacting them at their email address for customer support. I have left 2 fo 3 messages and a couple of emails trying to find out where the {$900.00} is I sent. After not being able to contact them I decided to continue to send the payments and sent another {$600.00}. I received a certified letter from a law office stating they were attempting to collect a debt to XXXX for the amount of our loan but it did not mention Fay Servicing so I assumed that is a scam. I then received a statement showing the last money received from us was the payment in XXXX of this year, there is no credit for the {$1500.00} that we have sent since XXXX. I can't get any returned call or returned email from them Im sending you pictures of the letters and returned checks and the last statement received. My husband is ill and I don't know what else to do but ask for help handeling this.
Product: Mortgage

XXXX I started a loss mitigation with shellpoint mortgage for my 2nd mortgage to offer to pay so much of my loan off and they would accept it and loan would be paid in full. For a whole year they kept putting me off and not contacting me. When everything was done they switched me to SLS servicing in XXXX. Did same loan modification with them when done they transferred my loan back to shellpoint. Started loss mitigation again with shellpoint and it has been months. They tell me everything is in then add something else I need on documents page they never call me. My single point of contact is supposed to keep in touch and she has never contacted me back. When I call in to see if done they tell me about another document I need so I upload that. Then they tell me I need past documents again because they are not finishing it on time so again have to send everything again. Monday XX/XX/XXXX finally got ahold of single point of contact and told her I want this done ASAP. She said " oh everything is in I'll send it to underwriting to view it. During this time an investor of the mortgage company put me in foreclosure while going through loss mitigation and I feel this was done so they could sell my house for more money. I called multiple times about this foreclosure. I was never notified by the mortgage company about foreclosure and I said why foreclosure when I'm going through modification. They said because the investor can. My modification would have been done in XXXX but the workers are not doing their job and contacting me at all and keep putting it off. I read to them that it was illegal to put in foreclosure during modification and they said it's on hold. So now I feel like they aren't going to accept it because investor wants to foreclose. They also told me that foreclosure amount will be added to my loan. I need help shellpoint is not helping me on this 2nd mortgage at all. I'm on social security XXXX and can't lose my house. I can't afford another one and can't afford to rent.
Product: Money transfer, virtual currency, or money service

I have an ongoing dispute with PayPal. I had some unauthorized transactions that came off my account. 

The company claims I am being refunded, but I have been told multiple conflicting stories. I also would like to mention that the California Attorney General is involved now as well. Now as of late Paypal will not respond to any of my e-mails. 

I need Paypal to explain to me where the refunds are. When I will be receiving the refunds as well. I am attaching several messages from several different departments where Paypal says the case XXXX has been updated from authorized to unauthorized. The only reason I am writing this is because it seems some other agents are not knowledgeable and saying I am not being refunded. None of these are refunded to my account. Not one. Also attached is messages from the merchant that I have never had an account with them. 

Case details Case ID : XXXX Date reported : XX/XX/2023 Transactions refunded XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX  XX/XX/XXXX XXXX Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX CRYPTO.COM XX/XX/XXXX, XXXX - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment XXXX PayPal Debit Card Transaction ID : XXXX - $ XXXX
Product: Mortgage

My mortgage account was transferred to XXXXXXXX XXXX from Amerihome Mortgage. A payment of {$9300.00} was made to Amerihome for 2 months payment and escrow shortage. Amerihome has not transferred the payment to XXXX  and they have no tracking of the funds being transferred. They are unable to tell me were exactly the funds are. I need this payment investigated and successfully transferred to XXXX to avoid negative credit reporting.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account such as Inconsistent balances and dates across bureaus. This account is hindering me from purchasing my first home. It is to my understanding that CFPB will investigate these items for me to ensure its accuracy. 

Here is the item im asking to be verified as accurate : XXXX - XXXX XXXXXXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>