23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 my edd debit card with Bank of america was closed due to edd needing identification verification which ive done. In the process claims filed with Bank of america were reversed. Now that my account is unfrozen n active my account was supposed to have been fixed n been brought back out of the negative balance and hasn't and the claims department refuses to clear it up. In the process my card was stolen back in XXXX and unauthorized transactions were being made as i was in the hospital for 2 weeks. Bank of america refuses to put credits back and reimburse me on the unauthorized transactions.
Product: Student loan

I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit and my loans were discharged in XX/XX/XXXX. Mohela received my loan information and said they requested a check in XX/XX/XXXX. I learned last month they never transferred my account to their new system and now they are telling me I need to wait another 90 days when I should have already received my refund. I am due a refund and no one ever have an answer. The treasury department does not have a check request to pay me out because Mohela never sent it over.
Product: Credit reporting or other personal consumer reports

I have XXXX credit cards reporting back on my credit profile. I dispute this years ago and it was removed I have tried to dispute again because it re appeared. My rights were violated. Its against the law for a credit agency to reappear old information back on my credit report that was previously disputed & removed/deleted! This is called reinsertion according to the FCRA! They have not properly investigated. Nor was I sent anything about reinserting it they just did it Please delete this!
Product: Checking or savings account

This complaint is addressed to ZELLE and XXXX XXXX, a bank with financial interest/ownership in Zelle. 
I was scammed for {$600.00} online by an imposter impersonating a known person with a verified account ( former government employee ) on XXXX on XX/XX/2022. 
The verified account posted having a small number of XXXX  for {$600.00} which would be going to charity. In Direct messages, the person directed me to make payment thru Zelle and provided an email address of his personal assistant linked to the Zelle account XXXX. I sent payment of {$600.00} at XXXX through my Zelle account which is by default in my XXXX XXXX checking account within the app/account features. The email given was verified by Zelle ( banking information was confirmed by Zelle ). 
Within minutes of sending payment, the verified XXXX account posted that his account had been hacked. 
I immediately called XXXX XXXX to report the fraud and request stop payment. The representative completed a report to investigate. They replied days later that they will not be refunding my money. 

I then attempted to contact Zelle, and could not directly report the fraud to them because my Zelle account is through my bank. I spent almost an hour trying to contact them, and eventually found a link to submit a complaint. Zelle 's response was to thank me for submitting to protect others, but NO REMEDY for my own fraud, reported within minutes. 

My Zelle payment was sent to someone other than the intended, and I have not received any remedy to my payment or the fraudulent account linked to it. 

Banks that include Zelle within the customer banking website/app have a duty to protect their account holders from fraudulent payments. 

Zelle is an unethical operation offering no protection to it's customers. For this reason, it is the payment option of choice for fraudsters and scammers. 

Zelle needs to be held accountable for transferring money to verified bank accounts as they already have the fraudster 's information and linked banking. 

XXXX XXXX and all other banks that partially own Zelle need accountability and consumers should have protection against fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my Equifax and XXXX reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting Equifax and XXXX, they are stating that they have never received the information from XXXX XXXX.
Product: Debt collection

Talking to my mortgage banker she showed a collection from I C SYSTEM Opened XXXX For XXXX dollars. Called I C System and they wouldnt disclose debt they asked for debit or credit card number and said it would also cost money to disclose any information This is highly irregular cant dispute debt without debit or credit card info is very suspicious. How can I dispute a claim without giving those numbers is this legal
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Somebody deposited a check made out to my company name into their account. I use Capital One and the check was deposited to a different Capital One account. I have the copy, front and back of the deposited check, which shows signature and account number of the person account where it was deposited. The bank that the check was made from is XXXX XXXX. They tell me Capital One is responsible for verifying check before depositing. This happened back in XX/XX/2018, I found out XX/XX/2018 and brought it to Capital One 's attention via email with copy/proof of the deposited check by email. I have asked for updates by phone and by email, and have not received so much as a case number or confirmation number to follow up on. I do have all the emails showing I've tried, and their general response, that it has been escalated, but more than 6 months later, is completely unacceptable.
Product: Credit card

I attempted to use my milestone credit card at a gas on XX/XX/XXXX XXXX the machine requested a pin number. I cancelled the transaction because I did not set up a pin and never had before. I tried to call the company but they were closed. today, XXXX XX/XX/XXXX, i call and they tell me that my account was perm closed and had been closed since late XXXX. the reason they state was because they sent me a letter back in XXXX for possible fraud. 

my gripe is because on multiple occasions, this company has locked my card and I have called in to ask them why and all they said was that they need to verify information. the last time i did this was XXXX and XXXX XXXX XXXX  XXXX to my understanding, my card was unlocked after me calling in and verifying my date of birth, address, etc. NOW they tell on the SAME EXACT DAY ( XXXX XX/XX/year> ), they placed ANOTHER LOCK on my card and then my WHOLE account on XXXX XX/XX/year>. 4 days later! they state that they sent a letter which I never got or opened asking me to verify AGAIN! They give no warning or anything about locking my card, account or anything. I have been traveling all summer and making my payments ( which they happily accept even though my account was locked AND even took one while closed on XXXX XX/XX/year>! ). 

this is fraud or at the least discriminatory behavior for the amount of times that I have to call and unlock my card and how they have no problem taking my payments even though they say they cant verify who I am. I literally called and verified and they locked my card again on the same day of XXXX XX/XX/year>! They said I didnt even make a transaction but they got a fraud alert. how?!
Product: Debt collection

Hello, I am a XXXX XXXX XXXX XXXX  who has recently been harrassed for a financial issue I did not create. I am powerless to stop it, and my excellent credit is now going down. 

It began in the XXXX XXXX XXXX. 
XXXX XXXX sent a plumber out without me asking. I use XXXX for my AC maintenance so I trusted him. The plumbing salesman sold me a hot water heater to replace the one I have, which is currently working. It was to be installed in one week. The installation day arrived, and no one showed up or called. The next day I called them and cancelled the order. They said fine, and I also talked with the salesman so he knew, too. 

After a month had passed, I began receiving letters from a finance company claiming that I owed them money for a hot water heater. I reached out to XXXX for assistance, and an individual from the company expressed confusion about the situation but promised to investigate. Unfortunately, the following month, I received another letter from the finance company, sparking my growing concern. Since then, I have contacted BOTH XXXX and the finance company, known as Service Finance Company , LLC - EVERY WEEK. They blame each other and no one is helping the consumer- me! 

Now it is approaching 6 months and last month my credit, which was excellent, went down. That scared me, however I am never able to talk with anyone in upper management in either company. The managers are never available. In addition, they just don't care. I expressed frustration that I am powerless in their little game and it's affecting me more and more. 

Today I got a letter from the finance company me they will engage the law about the money that is owed. The person they are going after is ME, and I want to remind you that I do not have a new hot water heater sitting in my house. I never received anything from either of these companies! I don't know what to do. Can you please help me? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, fL XXXX XXXX
Product: Mortgage

Greetings, this is yet another complaint for the same issue as before, loan servicing company is again harassing and threatening to levy flood insurance alleging my policy expired in XXXX, XXXX, XXXX, when it did not. Just a few months ago they were doing the same and the policy was uploaded to their systems which shows expiry of XX/XX/XXXX, yet here we are again. How can we make this stop? I have owned multiple properties before and have never had issues like this with any lender/loan servicing company. 

Its most concerning and another reason for this complaint that the company does NOT have a customer help line. I have called the number on the documentation received and am given all auto options, but no option to speak to someone. Further, i have sent emails to the XXXX and those are never responded to. In my last complaint the company alleged not to have received my emails, i'm sure they will do so again, but i have the proof that they were sent. Can CFPB do anything about this? Are consumers to pay for these company 's incompetence?
Product: Credit reporting or other personal consumer reports

Unknown person has me social security number and my old email address and ma old telephone number which I both got read of because of hacking and he used my information to open an account with XXXX XXXX Credit Card for UsDollars XXXX and posted the amount to Eperian and XXXX credit beareau as delinquent unpaid amount. I just talked to Experian and they advised be to file a report for identity theft with you. 

They want a copy of the report so that they can remove the identity theft report from my credit score report. 

It has been a night mare and so depressing when you work so hard and pay your bills to make your credit score better and someone just messes you up so so bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian as of XX/XX/XXXX, still reports Unverifiable, inaccurate and multiple fcra violations on account : XXXX and XXXX XXXX. 

: Account is in violation for not reporting last date of payment. 

: Account was last updated in XXXX of XXXX even though I dispute this account back in XXXX of XXXX, a violation : Account currently doesn't report last date of activity as required by law a violation.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I opened a Revolving Line of Credit with XXXX XXXX XXXX XXXX HFC under the umbrella of HSBC. Much to my dismay I recently discovered HFC sold a loan ending in XXXX to XXXX by way of fraud. The loan agreement bearing my signature ended in XXXX ; the loan HFC sold to XXXX ended in XXXX. When HFC sold this loan to XXXX, HFC provided the agreement signed by me for the loan ending in XXXX, as validation for financial responsibility for the loan ending in XXXX, which is illegal. Thus, I made contact with HSBC and spoke with two different Management employees ; one XXXX XXXX, and XXXX XXXX. XXXX XXXX worked with me for two weeks prior to her layoff ( effective XXXX XXXX, XXXX ), in an attempt to resolve this issue. What XXXX XXXX discovered and share with me was the following : 1 ) There was no loan agreement bearing my signature for the loan ending in XXXX ; 2 ) There was no documentation or notes in the HSBC system of records on why the loan number change took place ; 3 ) There were no notes/documentation in the HSBC system of records showing I was notified of this change ; 4 ) There were no notes/documentation in the HSBC system of records showing an effective date of when the loan number would change ; 5 ) There were no notes/documentation stating who made the decision that loan ending in XXXX was my debt. However, XXXX XXXX did share with me : 1 ) There was a HUD XXXX in the HSBC system of records which showed on line # XXXX the loan ending in XXXX was paid when I refinanced my home In XXXX. After XXXX XXXX departed I ended up communicating with XXXX XXXX, who was rude, curt, short and unwilling to listen. Most of our conversations where shouting matches. I asked XXXX XXXX on several occasions for the number to the Chief Executive Officer, of which she refused or provide. XXXX XXXX then sent me a letter and upon reading the letter one would believe that I sent XXXX XXXX written correspondence and she was responding. Not true all of our communication was via phone. Attached to XXXX XXXX letter was a bunch of automated printout, which according to the opinion letter from the FTC by XXXX XXXX XXXX, does not constitute validation. After I received XXXX XXXX letter I made contact with her once again, and XXXX XXXX as me not to contact her again. Thus, I am asking that XXXX XXXX does not respond to this complaint and that I be provided with the number to make contact with the Chief Executive Officer.  XXXX then sold this fraudulent loan to XXXX XXXX XXXX. I also possess a credit report which shows this HFC account was closed XXXX XXXX, XXXX, showing paid in full and HFC states this loan was sold to Springleaf XXXX XXXX, XXXX.
Product: Debt collection

I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXX, balance {$510.00}, opened XXXX. XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX.
Product: Credit card

i looked at my credit report and noticed multiple attempts of inquiries on my credit. i know that i have in the past lost my personal credentials while job hunting in which i had my social card which is how i believe someone possibly got my information.inquiries such as 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
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal XXXX  under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) XXXX XXXX XXXX et seq. that you are reporting inaccurate credit information. 
After a careful review of my XXXX XXXX it has come to my attention that there are several inaccurate listings contained in my XXXX XXXX The accounts listed below are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any accounts listed below can not be verified they should be deleted from my XXXX XXXX  as soon as possible. 
I was very upset when I discovered that you have included the information I have specified below in my credit profile which has resulted in my XXXX XXXX being negatively impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt XXXX. I am sure that the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
Because of the mistakes on my XXXX XXXX I have been wrongfully denied credit recently which was extremely XXXX  and has negatively XXXX  my lifestyle. 

My rights were violated under Laws : XXXX. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) and XXXX XXXX XXXX. 


I was NEVER given the option to opt out from having my information to third parties which include but are not limited to the following entities and I did not receive Form XXXX from any XXXX
Product: Debt collection

They refuse to put my debt in dispute. Second they keep sending me bills I owe it. I have never ever received any correspondence from them at all except pay the bill. They refused to give me the information at. firs of their client. They keep lying to me like they are the hospital or medical center. I asked if they are a collection agency they will play games and say they are. They refuse to correspondence with a attorney and lied to her saying that they are the medical company. I will file suit this week
Product: Debt collection

Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$960.00} to XXXX. I have NEVER had services with XXXX. I recently had them remove another debt that didn't belong to me in the amount of {$130.00} that was also allegedly owed to XXXX. I don't understand why they'd just add another collection in an even higher amount. Please remove this erroneous collection immediately.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per XXXX XXXX XXXX upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Debt collection

I am writing to formally dispute several items on my credit report that I have found to be inaccurate. After conducting my own investigation, I discovered numerous fraudulent accounts listed under my name, which I did not authorize or open. 
Under 15 U.S. Code 1681e ( b ), a consumer reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, in accordance with 15 U.S. Code 1681i, if an investigation reveals that any disputed information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete such information from my credit report. 
Furthermore, according to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block any information that the consumer identifies as a result of identity theft. I formally identify the following fraudulent accounts on my report as resulting from identity theft : [ List the fraudulent accounts, including any relevant details such as account numbers or creditors. 
1. Global Lending Services Acct # unknown Balance {$11000.00} XXXX. XXXX XXXX XXXX Acct # XXXX XXXX {$580.00} I request that you conduct a thorough reinvestigation of these items and block the reporting of this fraudulent information promptly, as required by law. Attached are copies of my identity theft report and any relevant documentation that supports my claims. 
Thank you for your immediate attention to this matter. I look forward to receiving your confirmation that these inaccurate and fraudulent items have been removed from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card that was missing but lost in my house and Capital One said they were sending me a new one but never did. 
It was XXXX or XXXX but I do not know the entire number as I never received it. They are sending other bills to me but never gave me credit for a {$30.00} payment I made on the first of XXXX on my bill. I am not sending them any more money as they breached their contract and never sent me a card but have my address of XXXX  XXXX XXXX, XXXX XXXX, Florida XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. Moreover, they haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to XXXX at the end of XXXX XXXX ). Of course, my loans have since been transferred to Mohela which does not have adequate phone contact information. Some numbers dont work and the ones that do only have recordings, no options to connect to a representative. Please help to rectify my account/PSLF tracking the limited waiver program expires. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX