23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i got a email XX/XX/year> at XXXX at night from affirm and said i has XXXX gift cards on my account for XXXX and XXXX and i called them right then and told them i never ordered and gift cards and they said they cant take back gift cards i told them i never ordered them i disputed it severel time with them and they say i have to pay for them and i keep asking them for a invoice and they say there was never a purchase so they dont have XXXX and i have disputed it with experian several times and affirm keeps saying there receords are right and i contacted biglots where the gift cards were suposingly at and they said there was no gift cards there they dont take gift cards and they dont deal with affirm and i called affirm back and told them that and the guy said he could email me the gift cards and i told him i didnt order them ... my credit score has dropped XXXX points and it took me XXXX years to get perfect credit and they have destroyed my credit ......
Product: Checking or savings account

On XX/XX/2022 I made a payment through my Chase bank account via XXXX for {$1500.00} but inadvertently put in the wrong email address for the recipient. I was missing the full email address and so when I sent the money, the intended recipient didn't receive. We realized immediately and I sent another payment to the correct recipient, and they received that amount correctly. 
I then went about trying to cancel the payment to the incorrect person as it was not showing as finalized. I immediately called my bank to tell them of the error and they took my information and said they would look into it. I also contacted my banker to see if they could help me and he also said he would see if there was anything he could do. I also sent an email to the incorrect recipient to tell them that I had inadvertently sent them money by mistake and would they be kind enough to return ( I did not hear back from this email, nor a follow-up ). 
On XX/XX/XXXX, Chase sent me a letter saying they had looked into my request and would not be doing anything as they had processed with the information that I had provided. 
At this point I tried escalating through my banker and I received a call from their escalation department a few days later. I explained the situation and she said she would look into it. A few days later she called me back and said that the claim department stood by their initial decision and had no intention of helping me further. 
So, I am at a loss how to recover the money from the incorrect recipient. Chase/XXXX are saying this is because of a privacy issue, but I believe there must be some way for someone to help me get enough information that I can try and recover the lost money. If the bank had made a mistake and deposited into the wrong account, they have the right to recover it and would sue the unintended recipient if they didnt return it. I dont understand why this is any different. 
I was also looking at Regulation E section 205.11, and that seems to cover EFT errors, but no one wanted to address that regulation and tell me why I could not get relief or help under it. 
I am hoping that going this route I will get a more satisfactory solution. I have also reported this to my local police department and can provide the report number if requested. 
Many thanks. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with MOHELA. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called MOHELA to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX 2024. I called MOHELA multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XXXX 2025, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, MOHELA had wrongly reported my account as delinquent to the credit bureaus, damaging my credit score. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX2024. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX2025, MOHELA placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX2024, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. MOHELA is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

MOHELA has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account from a prior apartment complex, The XXXX. They fraudulently charged me {$200.00} for things in my apartment, like blinds and cleaning, charges I was never made aware of. All to the tune of {$8000.00}!! 
I told them I would not pay. Then they sold my debt to a collection agency. I never gave The XXXX permission to share my information so I tried to contact the collection agency. I sent them a letter. They replied saying it was not them who was trying to collect off me. I then sent the letter that they sent to me to the all three credit reporting agencies and the collection account was still not removed. This is severely affecting my credit score and my ability to buy a car. I currently pay 25 % interest on my car because of this. I'm asking that the credit bureaus remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX 3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my Equifax Credit Report with XXXX XXXX XXXX XXXX is incorrect and over 17 years old, it has been deleted from my credit report over 5 times. It was just removed XX/XX/XXXX and now it's back on my Credit Report. Under The Fair Credit Reporting Act Summary of Rights " a Consumer Reporting Agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. This information was placed on my Credit Report in XXXX. My rights are being violated and I am seeking damages in State and Federal Court
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been improperly divulged without my consent. I was affected by a cybersecurity breach, which equifax should have been responsible for.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the three major credit bureausXXXX Experian, and XXXXregarding a significant issue with XXXXXXXX XXXX XXXX auto-pay system, which has adversely affected my credit report. The incident in question involves a system error with XXXXXXXX XXXX XXXX auto-pay, resulting in a missed payment, and the credit bureaus ' failure to accurately reflect this situation on my credit report. On XX/XX/2024, I discovered that XXXXXXXX XXXX XXXX auto-pay system failed to process my payment, leading to an unintentional missed payment. What compounds the issue is that I did not receive any notification from XXXXXXXX XXXX  alerting me to the auto-pay failure. Consequently, the missed payment has had a negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is due to drop off in XX/XX/2024. I called JPMCB CARD to request that they reach out to the credit bureaus and have the XXXX, XXXX, and XXXX delinquency removed sooner. They informed me that they had no way of doing that. They allow the creditors to determine when it's released. XXXX has not been very cooperative or helpful when the agency has been. Please assist me in getting this removed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

I lost my card and reported to called Wells Fargo regarding unauthorized charges on my credit card and they kept saying that they were not, just because I have previously had similar issues before. The unauthorized charges were {$2200.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out with absolute frustration regarding the numerous errors on my credit report. I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit. These inaccuracies have been negatively affecting my life and credit score, making it difficult for me to achieve financial stability and move forward. I can no longer ignore this issue, as it continues to hold me back.
Product: Debt collection

Professional Debt Mediation Inc. has been handling an unpaid debt of mine. They have listed this collections account TWICE on my credit report, which I understand to be illegal. They listed my debt of {$380.00} under two different account numbers so that the credit bureaus can not remove the duplicate account. In addition, every time I call them, they are very rude and unhelpful. They made it seem like the practice of putting the same debt on your credit report twice is acceptable by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.
Product: Credit card or prepaid card

Capitol One card ending in XXXX approximately XXXX I applied for a credit card advance {$6000.00} included a 2 % charge or {$120.00} was expecting a check which never arrived so i canceled it was removed however {$120.00} was not removed called the XXXX they stated would be removed within 4 days on the XXXX of XXXX. I contacted them on that day cause there was a min payment of {$25.00} due in a nutshell i was told i would have to make 2 monthly payments before it would be removed. 
please advise XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX ( TransUnion ) / XXXX XXXX # XXXX ( XXXX ) was opened fraudulently by a former member of my household without my consent and was concealed from me until they were no longer a member of my household. In an effort to resolve the matter as quickly as possible without involving law enforcement I made an agreement with XXXX XXXX / XXXX XXXX XXXX to pay the amount of {$1300.00} in to settle the account in full in exchange for non-reporting of the account on my future credit reports. XXXX XXXX XXXX accepted my payment and as their representative 's letter states ( see attached ) " the account listed above has a balance of XXXX '' and " that this matter is satisfied ''. Please remove the aforementioned account from my credit reports immediately
Product: Mortgage

I have been behind in my mortgage 2 - 3 months on occasion due to lack of income. I have several times requested loss mitigation help. I just need to have 1 or 2 payments deferred to the end of the loan so I can get caught up with my loan payments. They will not help me. I 'm not sure why they would not help me and just want me to continue to be behind instead of deferring the payments. WHY would they want me to continue to struggle and be behind? I need help and hope you can help me to get back on track with my mortgage payment. 

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

Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through experian regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from Experian that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by Experian or the XXXX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called midland credit management inc told them I have no knowledge of this debt and let them know that it wasnt me and it was someone with my name and I asked them to remove it because its not me. Midland said they couldnt verify the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.
Product: Debt collection

Owned card for 21 years, never late. Amex offered a 'payment ' agreement, under Covid, I recorded the agreement with my wife on the phone, they didn't record the agreement. I paid the agreed amount in XXXX and XXXX, yet they reported the account 30 days late to all credit reporting agencies damaging my credit. All my calls are routed to XXXX XXXX where nasty, disrespectful representatives try to collect the money making false threats of improvement and arrest. Under Fair Debt collection Practices Act they have violated all rules, late calls from XXXX, 12 times a day on my phone making false threats, I have recorded the conversations as well. Call them 7 different occasions, I have 4 supervisors id 's and nothing has been resolved. 
I will proceed legally with a lawsuit as well as for all damages this has caused me and my wife.
Product: Debt collection

on XX/XX/year> I called XXXX XXXX XXXX to ask about this debt. I did not have any knowledge about this debt. I was told they bought the debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX charged off my account and is still reporting to the credit bureaus negatively. I ask to give me my account information payments from the time i opened the account and they only had information from a later date.
Product: Credit card or prepaid card

Hello Consumer Protection Bureau, In XXXX of 2021 my credit card declined as I was using it because it supposedly hit the credit limit. However, I knew I had not hit the credit limit so i called the credit card company ( Barclays ). When I called they listed items on the account I had never purchased. We immediately logged those as fraudlent items to be investigated and then closed the account. However, Barclays issued another card ( not at my request and I did not know it ). That second card continued to have fraudlent charges hitting it but i did not know until I got another statement a month later. I called Barclays again and had them log those as fraud transactions and again close the account. This happened after trying to call the company several times and being put on hold each time for up to three hours each time. 

A month later i got another statement showing i was still outstanding on a balance on the second card ( the one I did not request and never had in my possession ). The total outstanding balanace was {$7000.00} which was connected to a fraudulent transaction ( a XXXX flight purchase under a different name - not me - so obviously fraud ). I called again and the company said they applied a credit to the wrong card and they then cleaned it up and supposedly everything was fine. That call happened on XXXX XXXX. However, I got another late statement and then tried to call again. At this point, no one can help me. When I talk to the Fraud department they say they've cleared all the Fraud, when i call customer service, they just refer me to Fraud. I have tried to get a manager but no one can help. 

I was a loyal customer at this company for 10 YEARS and ALWAYS paid on time. I never had a late payment for anything. This is the worst, worst customer service I have ever experienced and I would never recommend Barclay 's card to anyone. 

I am really hoping that sending this through the consumer protection group will help get attention to this issue. I don't know where else to turn. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve all the problems in my credit report with the bureaus but they don't want to investigate about my case.
Product: Mortgage

I received a letter from XXXX County on XXXX XXXX, XXXX stating that my property taxes had been requested from a mortgage company but, have not been paid. I contacted LoanCare on XXXX XXXX at XXXX central as I was listening the recording I discovered that I was past due. I spoke to XXXX # XXXX who argued with me about my past due status. She I asked her why I had not received any notices if I was past due? She verified my address, which was not correct. I asked who authorized a change in address ( which is not different from the collateral address ) she informed me that they had received returned mail and changed it to the forwarding address. I questioned why I would not receive a courtesy call before changing the address, there was no answer just an insincere trained apology. I was then transferred me to XXXX # XXXX who went to look into the problem of my past due and hung up or dropped the call. I called LoanCare back on XXXX XXXX at XXXX when I spoke to XXXX # XXXX who was very helpful and discovered that my XXXX payment was applied incorrectly by LoanCare to all principle. She informed me that they would have to reverse all the payments and then reapply them, reverse the late fee, and correct my address, all of these things would be corrected by XXXX XXXX She also said she would correct my credit by XXXX XXXX, and insured me I would receive a letter once complete. I then spoke to her about my original reason for the call my property taxes paid out of my escrow account. She said that she saw where their third party company XXXX requested the property tax information but, it was not paid. She told me that she would put in a request to add a line for the XXXX escrow and get them paid before the analysis in XXXX. She shared with me that this too would be complete by XXXX XXXX, XXXX. On XXXX XXXX, I called LoanCare again @ XXXX and left a call back number. I never received a call back. At XXXX I called again and spoke to XXXX XXXX XXXX he told me the address had been corrected, but the late fee and payment reversal had not been done that LoanCare was behind, he PROMISED me they would be done by XXXX XXXX. On XXXX XXXX, I called LoanCare and listened to the recording where I discovered that I was still past due, I still had a late fee, and I had paid {$0.00} in taxes for XXXX. I spoke to XXXX # XXXX who spoke to the credit department and once again PROMISED me that they were making the reversals " right now '' and the credit would be fixed in the morning. She told me she would call me in the morning between XXXX and XXXX central time to confirm it was fixed but, would have to forward my request to the escrow department. SHE DID NOT CALL. On XXXX XXXX, I received the escrow analysis in the mail ( the XXXX XXXX told me would n't be done until XXXX ) that included an overage check. Which I would not get if they would have paid my taxes. I have had no further contact.
Product: Debt collection

I never received written notification of the debt when I found the debt on my credit bureau I found that they had reported the account to the credit bureau twice effecting my credit score as well as my wife.