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

I joined Credit Karma Savings Account. Online deposit of XXXX, then XXXX. Then my personal email was hacked in XXXX ; it was tied to my CK account. Had to close bank account and get new credit card numbers. CK has no phone number. Emailed their customer service, as I was worried about my acct info and wanted to close savings and update bank acct for savings acct draft. Was told then not possible to change acct numbers? I asked to close as the acct tied to savings was compromised and closed. Its been 6 weeks and multiple emails later ; they insist I sign in on compromised email. I cant ; no access. I just want my money and have requested it for 6 weeks. Have provided ID as requested.
Product: Debt collection

They repeatedly called me even when I wasnt behind. Then when I call them back they dont answer. I want the harassing phone calls to stop
Product: Payday loan, title loan, or personal loan

since Covid I have asked the loan people of money tree to get rid of the interest on this loan and I would pay all of the money back that they gave me and they will not do i have been out of work as my husband has been also. I would pay the whole thing off even if i have to get it from my XXXX just want the help
Product: Credit card

Goldman Sachs Bank USA, XXXX XXXX by Goldman Sachs was notified over two years ago of a change of address. XXXX continues to send my statement by mail to an old address. this creates a problem with getting the statement and paying on time resulting in interest and fees that they refuse to credit.
Product: Checking or savings account

On XX/XX/XXXX we were in the middle of making payments from our business banking account on the CHASE website, when it locked us out for " suspicious activity. '' It displays a number to call. Hold times are over two hours. Many times they'd answer then put us on hold for another 2-3 hours.

When we finally got through to the fraud department ( total 7 hours on hold ), they said they couldn't help us, their " verification system '' isn't working. 

Meanwhile, we have no access to our business banking account. Which is crippling our business and not allowing us to pay our workers in this time of need.
Product: Debt collection

Midland credit management known as MCM has contacted me multiple times. They purchased my information from alpheon credit with I was not aware of. They called multiple times and when I did speak with them I asked them to provide where I signed any type of agreement with MCM. I also told them that I wasnt aware of them. MCM stated that they arent going to provide me that info and that they will be filing a lawsuit if I do not pay them. This was in XX/XX/scrub>XXXX XXXX the amount is {$16000.00}. I am a single mom and Im afraid they will garnish everything.
Product: Credit card or prepaid card

was solicited to open platinum credit card. After the required spending, they " froze '' my points
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an application for a credit card with my local credit union, XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ). I was told that my application was pending and that I would be notified of the response within 24 hours. It is now XX/XX/XXXX and I have heard nothing from the institution. Moreover, the inquiry on my Experian credit report is for an installment loan, rather than a credit card. Due to the inaccurate information reported, I would like the inquiry removed from my credit report at once. Due to the unprofessional conduct of this bank not notifying me for several business days after my application, let alone within the 24 hours stated at the time, this bank should be flagged in the CFPB system.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed 3 companies that I have never heard of, or established any business with. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included they fraudulent accounts in my Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full in XX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted XXXX  and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX  has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
Product: Vehicle loan or lease

I am a XXXX-year-old widowed senior citizen who has been racially discriminated and scammed by XXXX XXXX. In the presence of my son who is my durable power of attorney was there to witness all of it, it started with the dealer demanding that I give them a {$500.00} deposit for the vehicle when I was already approved to purchase it by XXXX XXXX XXXX also including numerous unauthorized pulls of my credit report numerous times causing an extreme hit to my credit score. They also decided to use a lender of their own without my knowledge or approval. I took delivery of the car onto XX/XX/2019 in which the car m possession for approximately two weeks when all of a sudden I started receiving threatening phone calls from the dealership demanding I return the vehicle immediately or they were going to call the police on a XXXX-year-old woman and have me arrested for theft of a vehicle that I was already approved to purchase by XXXX XXXX XXXX on XX/XX/2019. Per the finance company they use, I did not qualify for the purchase of the vehicle due to the fact that when they called me for more of my personal information. I dont talk to anyone or give out any personal information or make any financial decisions without my son who is my durable power of attorney. I had already given the information at the dealership I advise them that my son has my durable power of attorney and in order for me to discuss personal information over the phone I had to have him present being that as I said before I am a XXXX-year-old widowed senior citizen who does not make any financial decisions without him because of such I was told because of this fact the lending company would not be able to finance me after having possession of the vehicle for over two weeks. I have called and I have made a corporate complaint with XXXX XXXX. I have tried to make contact with the dealership. Ive left several messages and they refused to return my phone calls. I feel that I was Taken for {$500.00} plus my credit ruined by XXXX XXXX. I was forced to buy another car and give another {$500.00} deposit at a subprime rate after losing my money and the car that I initially wanted and was approved to purchase.
Product: Debt collection

On XX/XX/2023, I placed an order with XXXX for XXXX XXXX XXXX XXXX XXXX totaling {$2100.00}, with the XXXX option consisting of a {$250.00} deposit and {$69.00} monthly payments. However, after three weeks, I had yet to receive the product/service. On XX/XX/2023, I contacted the company 's customer service department to inquire about the status of my order. 

In response to my inquiry, XXXX assured me that my order would be expedited and provided an estimated delivery date. Unfortunately, this date passed without any further updates or delivery of the product/service. 

On XX/XX/2023, after several unsuccessful attempts to follow up with the company, I made the decision to cancel my order. I communicated my decision to cancel to the company 's customer service team via phone and email, providing all necessary details. The company confirmed the cancellation, indicating that a refund manager would contact me. 

However, on XXXX, 2023, XXXX announced the wind-down of its global operations, rendering aligner treatment unavailable through their platform. Consequently, all orders that had not yet shipped were canceled, and refunds were not processed. 

Despite canceling my order, I have not received a refund for the amount paid. Additionally, I continue to be charged by Healthcare Finance Direct ( HFD ) for the monthly installments for a product/service that was never delivered. 

I have attempted to address this issue by disputing the charges with my credit card company. However, HFD asserts that the cancellation of my order is invalid as I did not cancel my account directly with them.

Furthermore, I have been subjected to harassing phone calls from HFD threatening to send me to collections if I do not make payments, despite my refusal to pay for a product/service I never received. 

Please forward this message to the relevant department or individual within the company for their attention and necessary action. 

Thank you for your assistance in addressing this matter.
Product: Debt collection

I reached out to Spring Oaks Capital , LLC requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that Spring Oaks Capital , LLC has reported a collection account with a zero balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, XXXX XXXX XXXX XXXX XXXX must remove all reporting of the account on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting to all three of my credit bureau 's that I never paid my medical bill and reports that I made partial payments recently. I have proof that the bill was paid in XX/XX/2016 to XXXX XXXX XXXX in my credit card statement attached and it was made once in the amount {$820.00}. XXXX XXXX XXXX agreed to give the money to XXXX XXXX XXXX the medical bill money, but illegally pocketed the money and did not pay the hospital as agreed in their recorded phone call conversation with me. They are trying to extort money additional money and followed through in there threats to consistantly report to the credit beareau agencies that I never made the payment. They recently have reported to my credit bureau 's that I never paid the {$820.00}. The XXXX XXXX XXXX sent the bill to XXXX XXXX XXXX because they sent the bill to the incorrect insurance company in their region and did not send it to my address. They also made no attempt to contact me. All of my information was properly written down the day of my injury by XXXX XXXX XXXX and given physical medical and personal information documents.
Product: Debt collection

To Whom it May Concern : I am notifying you of a collection account on my credit report that I discovered last XXXX and have already disputed once with the three credit bureaus. Sequium Asset Solutions and XXXX has have wrongfully pinned this in my credit file. I do not owe any debts to XXXX and had ever done business with their company. I am urging you to please research this error and it's validity. 

I have tried contacting the number for this collection agency and have not made any contact with number from the dispute results. I will keep on disputing this since, again I do not owe any debts to these companies involved. 
I will be waiting for any response and may seek legal action if not removed from my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

In late XXXX, I noticed late payments from a XXXX XXXX account on my credit report. I found, I was an authorized user on a relatives account, so I requested to be removed and for the late payments to be removed as well. XXXX XXXX advised me to contact the credit bureaus pertaining to the late payments. 

On XX/XX/XXXX, I reached out to TransUnion, explained the situation, and was assured it would be handled. However, a month later, I found that the account was no longer listed when I tried to pay my XXXX balance on My Mobile App. I immediately contacted XXXX XXXX and learned that TransUnion had reported the account as fraud. 

I spoke with a supervisor at XXXX XXXX, who instructed me to send a notarized letter with my name, address, Social Security number, and confirmation of ownership of the account. XXXX  XXXX Supervisor assured me the account will be Reopened. 

I followed the XXXX XXXX supervisors instructions to send a notarized letter taking ownership of the account. However, when I called back in late XXXX I was told it was being investigated, I then called back the end of XXXX and was told the account would not be reopened and the debt was owed. The representative was rude and unhelpful very solution focus and unprofessional. This has been such a uneasy experience. I do not think this is fair treatment what so ever I simply begged for a further investigation into this matter. 

I contacted TransUnion again and spoke with agent named XXXX. He confirmed that a previous agent disputed the XXXX account and other XXXX  XXXX accounts. XXXX confirm the time and date I spoke to agent, although he would not provide a first name he gave me a file number XXXX. XXXX advised no further action could be taken. He mentioned that the dispute was filed as an account not associated with my name, effectively treating it as fraud with the creditor. 

I expressed my frustration and then requested that this issue be reviewed for training purposes to prevent similar problems for other consumers. The XXXX  account is crucial for my daily needs, and this situation has been extremely stressful for me. 
This situation has caused significant emotional distress, and the agents Ive spoken with have been unresponsive and unsympathetic. I am caught between XXXX XXXX and TransUnion, with neither taking responsibility for their agents mistakes or providing clear guidance. 


I requested the Original Dispute Submitted On XX/XX/XXXX They denied me access to it. 

I requested a copy of the letter I sent to XXXX XXXX accepting ownership, to submit a copy with complaint and they denied sending me a copy. - I did not copy document as I was confident this would be easily rectified.
Product: Bank account or service

I had ask Fifth Third Bank on XXXX in XXXX XXXX Florida, to close out my account because I had a lot of unauthorized stuff coming out of my account. I went and talked to XXXX in that branch in the end of XXXX of 2010 she was very rude and would not close out my account she gave me no expiation of why she would n't. I had money going into the account every week but they would take out the debts first and then the credit the check. Which caused us overdraft and then they charged all these fees. These XXXX things not closing out my account and take out debts before crediting my checks that went in automatically. Fifth Third Bank charged me {$1500.00} in returned item fee because the would n't close out my account and {$570.00} in overdraft fees. This was unfair.
Product: Debt collection

I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

In XX/XX/XXXX I opened a Paypal account to make online purchases. 

In XX/XX/XXXX, I was XXXX shopping on XXXX, XXXX, and XXXX and decided to use my Paypal account for convenience. I linked some of my credit cards but once they were maxed out, I decided to link my bank debit card, as well. Paypal also offered me a XXXX  XXXXXXXX XXXX which I was accepted and used. I did not use my debit card for any purchases. 

On Tuesday XX/XX/XXXX I received an email from Paypal regarding suspicious activities on my Paypal account. I also received strange emails from my bank that a XXXX transaction was denied and XXXX was sent to an XXXX XXXX. I had XXXX balance in my bank account. When I checked my bank online, I noticed an ATM-PayPal transaction of XXXX to XXXXXXXX XXXX in XXXX XXXX XXXX CA. My heart dropped because I have no idea who this person is nor did I authorized my bank or Paypal to release this fund. 

On Tuesday XX/XX/XXXX my husband and I notified the bank and they immediately suspended all transactions. I also notified Paypal and according to Paypal agent, I would receive a response anywhere from 48 hours to 10 days regarding this investigation. She advised me to find the open case in the XXXX XXXX of Paypal website. 

On Wednesday XX/XX/XXXX I contacted Paypal because I had not heard anything back from them at all. It seemed they did not care that my bank account was wiped clean because of them ( Paypal ). The agent said the case is closed and they found no fraudulent activity. I was incensed because I knew that was a lie. Also, they never notified me of anything. There was ZERO communication from Paypal after I opened an investigation case. I had to call them and be tossed around 4x before I was able to speak to someone who said the case is closed. The first agent was a male and in the middle of our conversation he put me on hold for 15 minutes. I finally had to hang up and call back, again! 

I demanded the XXXX  to be refunded to me because I trusted them with my debit card. What if it was an employee? Why did I get an email from Paypal regarding fraudulent activity and they still released the funds from my debit card. 

I told Paypal I am filing a complaint with the CFPB and demanded they close my XXXX XXXX. The agent said she will re-open the investigation and that I had to speak to another department to close my Paypal card. I was tossed around again ( very difficult to get a live agent on the phone ). 

On Wednesday XX/XX/XXXX I closed my Paypal XXXX. I was trying to close my Paypal account altogether but they would not let me. I am stuck with Paypal. 

They refuse to refund the money they stole from my bank account. They NEVER contacted me about closing the case. And now they will not allow me to close my account altogether. 

I have attached all the documents you need ; the emails from Paypal and my bank, along with copies of bank and Paypal transactions. 

I am disgusted with Paypal. Their system is not secured at all. Their customer service is horrible. They STOLE my money out of my account and giving me the run around.