23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX by telephone, I revoked my authorization for recurring ACH debit entries to be made to my personal bank account for my monthly payment. I was informed my request was complete for my next recurring payment scheduled on XX/XX/XXXX. On XX/XX/XXXX, the debit was made. I promptly contacted customer service requesting a refund, also inquiring why the draft was completed despite revoking my authorization two weeks prior. I was informed the customer service rep didnt complete my request " all the way through '' and I would need to complete a refund request thru the Accounts Payable department. I swiftly provided the completed form they sent to me via email as well as the supporting documentation ( proof of cleared payment from my institution, details of my call on XX/XX/XXXX, etc ). The representative and paperwork stated the refund would be complete within 5 business days. On the 6th day I contacted customer service in which I received a response that " they hadnt even opened my email '' and could I please resend it. It has now been one month since I revoked authorization and 18 days since I provided the requested documentation to receive a refund due to FlagStars mistake. I have yet to receive a healthy response other than the concern has been escalated. However, over {$1200.00} has been debited from my account without my authorization and any priority to assist in returning the funds promptly. I would like for their processing to be reviewed and held to NACHA guidelines as well as other authorities for ACH processing, customer service is poor and misleading to say the least. Even after speaking with 3 members of management my request has fell short. My mortgage has since been satisfied as a result of a refinance that prompted the ACH revocation in the first place and I am concerned I will not receive my payment in full as it will be included into an escrow refund and overage of payment, minus interest, etc. To debit a consumers account for $ XXXX during such challenging times creates an extreme financial burden. I hope escalating this concern to the CFPB will aid FlagStar in reviewing thier process for future consumers to not experience the extreme concern and frustration that has resulted from the numerous calls and emails I have had to complete to still not have any healthy updates over 3 weeks later and a month from initial request ... For a mistake made on their end.
Product: Vehicle loan or lease

I went to a XXXX dealership in XXXX, FL in 2017. I requested to ONLY run my credit through XXXX ( XXXX XXXX XXXX XXXX ) if they wanted me to buy a new car. Unknowingly to me they ran my credit through lots of agencies before coming to me and saying I don't qualify with XXXX unless my husband co-signs. Reluctantly he co-signs and I am approved. Now I am seeing multiple agencies I did not authorize them to run my credit, showing as hard inquires. Whats worse is that XXXX will only show on my husbands credit not actively on mine because he is listed as the main owner when I specifically asked them to make me the main owner. They kept lying saying I am. I need these off they are affecting my credit I am working hard to build. 
The following companies ran my credit without my knowledge or written approval. 
Td Auto Fina XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a 60 month installment loan in XXXX with Wells Fargo Bank. At the time, I provided Wells Fargo with my home address at XXXX XXXX XXXX, XXXX, IL XXXX. I still live at this address to this date. I made each installment loan payment on time since inception. In XX/XX/XXXX, as I was approaching the final installment payments on this loan, I stopped receiving statements in the mail. When I realized that Wells Fargo had failed to send me statements to my address, I called the bank in XX/XX/XXXX to see what had happened to my statements. Wells Fargo customer service informed me that they had sent my statements to an address in Florida. When I inquired as to why, they could not provide an explanation. I stated that did not live in Florida and still resided at my address of almost 30 years in XXXX, IL. I stated that I wanted to pay off the entire balance of the loan immediately over the phone, which I did, and to have them correct any erroneous late fees AND any late payments they had reported on the account with the three major credit bureaus, XXXX, XXXX, and XXXX. Customer service took my payment paying the balance off and stated that they would make sure that any late payment reporting to the bureaus would be corrected and the account would reflect timely payments, as the problem had been created through their error. I followed up on XX/XX/XXXX by checking my credit reports with all three bureaus and the problem was not corrected. I was still being reported 30 days late for XXXX and for XX/XX/XXXX. I contacted Wells Fargo and was eventually transferred to the Office of the President where I was told that they were refusing to correct the late payment reporting. I am seeking to have my report corrected to reflect timely payments for all payments including XXXX and XX/XX/XXXX. I paid ALL payments timely and was receiving statements to my address in Illinois for the entire term and NEVER requested that they mail statements anywhere else. This is clearly the bank 's error, to which they admitted and promised to fix, when I made my last payment over the phone to pay off the entire remaining balance.
Product: Debt collection

Conatcted XXXX XXXX, XXXX XXXX and disputed witb transunion so XXXX XXXX got one loan started paying back lost contact it went into collections i got a letter a year ago stating that it was no longer owed i was given a good will forgivenss and its no longer there well on credit report it still shows and now it says i owe it twice when i only did once and it was forgiven!!! Then XXXX XXXX says i got a loan in XXXX of 2022 in north carolina i libe in ky conatcted them they tried to say its legit i kmow its identity theft for i have never eveb traveled to north carolina same disputed with transunion and once again NOTHING THIS IS DAMAGING MY CREDIT and idk what to do please help me!!!!
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}
Product: Credit reporting

The above investigation was completed XXXX/XXXX/XXXX with obvious ( on the face of the record ) erroneousresults.I had disputed that the creditor '' re-aged '' the account by changing the accurate date of first default from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I HAVE INCLUDED FACTA REPORT NO. XXXXFROM XXXX/XXXX/XXXX where the DoFD reports correctly as it had the previous 5 years. 
During a telecon with Equifax upon receipt of results, the CSR from EQUIFAX realized the verified info. was wrong as the DoFD, DoLP, Do M D1st reported, all are XX/XX/XXXX, which is an impossibility in any case, does n't make sense, yet she did n't delete, as she should have. 
I have also included report no.XXXX dated XXXX/XXXX/XXXX where the disputed accountdoes not appear on the report at all..it was suppressed/deleted prior.
Product: Money transfer, virtual currency, or money service

Got three unauthorized transactions from XXXX XXXX XXXXXXXX debit card through Remitly : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for Remitly. Remind employees said they are the third party merchants so they refuse to refund me and the person who told with me firmly claimed that it is none of your business. But I also received another email which state that the fraud transactions with small-amount would be settled back to my back account
Product: Credit reporting or other personal consumer reports

I have reason to believe that I've been o victim of identity fraud originating from the dark web since XX/XX/2022. During that time, I frequently received text messages with links purporting to be from XXXX, which I now suspect were XXXX. It's possible my personal information was compromised and sold on the dark web. Over the past two years, I've observed a significant increase in unauthorized credit inquiries and received alerts related to activities on the dark web.
Product: Money transfer, virtual currency, or money service

I made a purchase from XXXX ( clothing company ) and decided to use PayPal at checkout. The initial full purchase amount was going to be {$17.00} ; however, I used rewards points at checkout which reduced the final purchase amount to {$8.00}. I processed the transaction using my PayPal account balance, which was {$22.00} prior to the transaction. I was assured during checkout that I would only be charged {$8.00}, and the email confirmations from both XXXX and PayPal both show the charge as {$8.00}. However, my PayPal balance after the transaction was processed was reduced to {$5.00}. Simple math indicates that my balance was debited the full {$17.00}. I initially contacted XXXX and was advised that if there was a pending authorization, it would fall off after 10 days and that I would receive the {$8.00} difference back into my account. That never happened. XXXX pointed me back to PayPal. I opened disputes with PayPal, only to receive a response with the receipt showing the transaction amount was {$8.00}. PayPal does not know how to do simple math, nor do they apparently keep running balances ( the website does not show starting and ending balances in transaction history, which makes no sense for a financial institution ). PayPal is refusing to work with me and has only advised that " any pending authorization will fall off in 10 days after the item ships to you ''. As I've stated, the transaction was back on XX/XX/XXXX and it is now XX/XX/XXXX. I received the purchased item from XXXX back on XXXX. It's been well over the timeframe for any pending authorizations/holds to fall off, yet I still don't have my funds and worse yet, PayPal thinks that no funds are owed to me so they are not taking action. I should not have to go through this much trouble for {$8.00} but at this point it is the principle that they have taken money from me and not only are denying its return, but are essentially stating that the {$8.00} never existed.
Product: Debt collection

Capio Partners called me in XX/XX/XXXX and claimed they had a medical debt for {$1700.00} from a hospital visit in XX/XX/XXXX. I had collected and paid all hospital bills related to that visit, even had to hire a patient advocate to help collect everything. They gave me the name XXXX XXXX as the name of the medical provider that I owed. I've never heard of them. I called XXXX. I asked if this provider had attempted to bill me, and asked why they didn't bill my insurance. They claim they never received my insurance from the hospital- except every other provider, even the ambulance, managed to get it. They acknowledged that they had never called me and had only sent XXXX initial notification in XX/XX/XXXX, which I don't recall receiving. Of course I wouldn't have paid it at that point anyway, because they hadn't yet adjusted it for my insurance. But they never sent any further bills or made any calls or attempted to get my insurance info from the hospital. 

They sent me some kind of financial notification clearly not intended for the patient- it isn't a bill, it doesn't explain who the provider is or what they did for me. I emailed back and asked for a more accurate bill and never got a response. 

I called my insurance company, and they said they would no longer pay the claim because it's been more than a year. Capio told me that this bill would be my responsibility now. XXXX 's representative told me over the phone that it might be all down to XXXX issues, and that's why it didn't happen. I don't see how that means I need to pay {$1700.00} to a doctor I have no memory of even meeting.
Product: Debt collection

On XX/XX/XXXX, I received a settlement offer on PayPal indicating to pay a reduced amount of the total amount due. These are the words exact words of the settlement plan from PayPal on my PayPal account : " Settlement Plan The Settlement Plan lets you settle your account for 70 % less than the full balance you owe. '' I spoke with multiple PayPal personnel and even though they see and agree with what it says they will not grant me it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Fifth Third Bank purchased my mortgage. They do not accept auto payments from an outside bank. This would not be an issue as typically I would change banks, unfortunately I am unable to as its a captive loan.
Product: Credit card or prepaid card

On XX/XX/2018, I applied and was approved for the American Express Business Gold Rewards card. The terms of the application specifically stated that I would earn XXXX Membership Rewards points after I spent {$5000.00} in qualifying purchases on the card within my first 3 months of card membership. At no point during the application process was I told that I was ineligible for the XXXX points bonus. 

After I was approved, on the same day ( XX/XX/2018 ), I chatted with an Amex representative to confirm the terms of the XXXX points offer and the date by which I had to finish spending the {$5000.00} to qualify for the offer. The representative confirmed the offer and provided me the date. 

By XX/XX/2018, I had finished spending the requisite {$5000.00} but had not yet received the XXXX points. I decided to chat with American Express to ask about the status of these points. I was told by the representative that the welcome bonus offer had been removed from my account after my previous conversation on XX/XX/2018. 

At no point was I informed by American Express that this offer had been removed from my account. I was not told during the application process that I would be denied the bonus, and it was furthermore confirmed by an American Express employee on XX/XX/2018 that I had this bonus attached to the account. 

This is a complete bait and switch by American Express since I received confirmation of the bonus and then it was silently removed from my account. I would not have applied for this card, let alone spent {$5000.00} on it, had I known I would not receive the XXXX points -- this is the whole reason why I confirmed the bonus attachment on XX/XX/2018. I believe I am owed XXXX points by American Express.
Product: Credit reporting or other personal consumer reports

I have checked my credit report today something i dont due often and I have XXXX hard inquiries on my report. XXXX : XX/XX/XXXX for XXXX XXXX XXXX  XXXX : XX/XX/XXXX from XXXX  XXXX bank neither are of anything i know about and im not sure which of the three listed credit bureaus ran the report
Product: Mortgage

I recently refinanced with freedom mortgage and today received the first mortgage statement. The amount due is {$2600.00}. The interest rate is shown as 3.25 %. When I talked on the phone the rate agreed on was 2.25 %. Also I was to skip XXXX and XXXX payments. New Payments are listed as {$1300.00} and a overdue payment for {$1300.00} is listed this would be for XXXX. Both the interest and the XXXX payment are incorrect, I have not been able to look at what I signed from all the emails. 
The outstanding principal on the statement is {$240000.00} with an deferred balance of {$7900.00} and the interest rate of 3.25 %. This rate I first agreed on is 2.25 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's credit report is constructed in a difficult to understand structure. I want my Equifax credit report to match both my XXXX credit report score of XXXX or XXXX credit report score of XXXX. ALL CREDIT REPORTS SHOULD BE THE SAME.
Product: Credit card or prepaid card

XXXX  sold me a gift card for XXXX on XX/XX/XXXX XXXX XXXX # XXXX XXXX. They charged me {$85.00}. There is supposed to be {$100.00} in that card. On XX/XX/XXXX, I tried to use that card online. It turns out that the balance of the card is XXXX. They sold me a gift card that has XXXX balance and charged me {$85.00} for it. Essentially, they stole my {$85.00}. I emailed them on XX/XX/XXXX and tried to call them. They will never respond to your emails or calls. I left them 7 voicemails and 14 emails so far over the last 9 days and there's still no response. I once had a similar issue with another gift card seller, called ( XXXX ). They issued me refund instantly. They never ignored my calls and emails. But XXXX  scammed me. I have been waiting for 9 days for an answer from XXXX   and there's nothing. They stole my money and they never respond to me. 

I also already filed a complaint with XXXX against them. 
They never responded to XXXX. 

XXXX will never answer your phone call. 
XXXX  will never respond to your emails. 
Your voicemails will go to trash. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After being a Bank of America customer for over 45 years, all my Bank of America accounts are being suddenly closed for no apparent reason. This includes my checking account, safety deposit box and credit card. I am a good customer, credit card balance is XXXX, over $ XXXX in the checking account, no overdrafts or late payments. 

I received letters for each of these products on XX/XX/2023 saying they were being closed, and only one offered a clue as to why, saying : " your risk profile no longer align 's with the bank 's risk tolerance ''. There have been no changes in our financial life. Same job making over $ XXXX annually for the last 13 years. 

When I called the bank, they simply said they had the right to close the account and did not have to explain. I suggested that there might be an error, and they would not listen, hanging up on me. I called their fraud department to see if something had happened to my accounts, and they said everything was normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my response back from XXXX XXXX from the CFPB on XX/XX/2018 and XXXX XXXX stated that they are not required to show original contract,, XXXX XXXX still violated my right by not responding to my certified letter by mail, ,within 30 days I've showed proof that I sent them a certified letter and proof the day they received it, by law they were supposed to respond to my certified letter,,, I haven't gotten no response from them my mail,,, I even asked to received information on the verification process that was done to verify the account that's reporting on my credit file, they still haven't sent it and its pass the 30 days that they were allowed to reply back which they have not did,, I am a consumer and they supposed to respond back to my certified letter if they reporting items on my credit report,,, I asked for information and by law I should have received a response within 30days. they failed to do so XXXX XXXX has violated federal and state laws,, by not replying in a timely manner,
Product: Money transfer, virtual currency, or money service

After filing the complaint with CFPB on paypal they limited my account and a warning pops up saying I can no longer use Paypal. No email no letter nothing ' happened at all. Then I left 3 messages thru the my paypal and no response and so I called waited a hour on the phone and the same lady that answered just days before that would not help me hookup my debit card to my account and would not let me talk with a manager for over 10 minutes of me asking for a manager and her saying they can do nothing finally she got a manager and I told him about he and how rude she was for no reason and he helped me hooked up the card and said he would talk with her. Well it was only 3 days later my account was limited and nonusable no email no nothing so when I called the second time she put me on hold and never came back and never got another dept she said I needed to talk with. She is being nasty for no reason other than she was rude to me and now needs to be talked with again. This is harassment 's and I still cant collect my refund/