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

I subscribed to HP XX/XX/XXXXXXXX on XX/XX/2020. I paid to initiate the services with my MasterCard {$53.00} and was told at that time I could call back and change the payment source, which I did XX/XX/XXXX, to a XXXX Debit Card ; {$16.00} monthly. I have a copy of the updated agreement, XXXX. I discovered on XX/XX/2020 upon reviewing my MasterCard bill that I had not used since starting the subscription with HP that HP XXXX  XX/XX/XXXX had been double billing for services since XX/XX/2020. HP credited my MasterCard the XXXX of each month and then my XXXX XXXX on the XXXX of each month clearly an input error by their staff. I contacted HP at XXXX, option 2 and requested that my MasterCard be credited ; I was told that someone from the Billing Department would contact me. HP gave me a case number of XXXX. I subsequently contacted MasterCard and told them about the disputes form HP ; initially they agreed to investigate and I submitted website information from my XXXX account. After clarifying the information sent to MasterCard I was told they were closing the cases because there were problems with the length of time and refused to close the account since it was being disputed. I requested their policy information but was told it would be mailed in 7 to 10 days. XX/XX/2020 I received a phone call from the billing department and was told the problem was my fault and initially was told they would not credit my XXXX Account for any of the disputed months ; with much discussion to follow HP sent an agreement to credit only 3 of the 6 months and provide 3 months of free service. This is not right that I have to pay for their mistake with interest on my MasterCard. I do not wish to continue any service with this unscrupulous organization and I am due an additional 3 months credit to my MasterCard with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent all the required documentation to Equifax to reflect my current address ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. Thank you.
Product: Student loan

I have been harassed by Sallie Mae the past XXXX months causing me to Go into a high risk XXXX I have asked numerous times please wait until I return to work they are calling my grandmothers XXXX XXXX, etc. this is becoming ridiculous and I am Overwhelmed
Product: Checking or savings account

I recently made a purchase on XXXX for {$340.00} on XX/XX/XXXX using my KeyBank debit card. On XX/XX/2024, XXXX notified me that they issued a refund to my debit card. This was a mistake by XXXX, as the refund was not supposed to go back to my debit card. My issue is that KeyBank has not issued me a check for {$340.00}, even though they closed my account and I no longer have access to it or the refund that XXXX issued to the debit card ending in XXXX.
Product: Checking or savings account

I am having a problem with {$250.00} that I sent to a friend on XX/XX/, to pay for some products he picked up for me from XXXX XXXX. I sent the money through my XXXX checking account using Zelle, which I have done many times before, and he has never received the money into his bank account and it's been almost a month now. I put in a claim with XXXX and they said because the telephone number used was correct for the correct person and the money went out of my account there was nothing that they could do for me. My friend has an account with XXXX  XXXX XXXX. I was directed to call Zelle on XXXX which I did but they won't help they directed me back to XXXX on the call. After that call to the Zelle number and being transferred back to XXXX, I have tried numerous times to call Zelle back at same number to no avail. They only give automated instructions to call my bank. I can not believe that {$250.00} is just floating around out there somewhere and Zelle won't even looking up to see that the transaction came to them and that they transferred it to the XXXX  XXXX XXXX account. I am a senior and I don't have money to just loose. Please give me some direction. I will of course never use Zelle again, I'm going back to writing checks or paying with cash only. Zelle is not to be trusted. so many cheating people and businesses out there. Shame on them. 
I sent them an email from their website and here 's what I received back. 

Hello, Thank you for reaching out to us. 

When you are enrolled with Zelle at your financial institution : When using Zelle within your financial institutions mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. For further assistance, please reach out directly to your financial institution at the number on the back of your debit card. 

If you are using the Zelle app or need assistance with enrollment : Call us at XXXX for immediate assistance with enrollment or payment questions regarding the Zelle app. We are open 7 days a week from XXXX to XXXX ET, excluding XXXX, XXXX XXXX  and XXXX XXXX XXXX. 

Regards, Zelle Support Have more questions? Check out these FAQs. 

Thank you for hearing me XXXX XXXX XXXX ( XXXX ) XXXX This is the day that the Lord has made, let us be glad and rejoice in it.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX. I received a text message looking for a " XXXX XXXX. '' I have been pestered by these kind of calls and texts before, the last time from a company called ERC, who promised to take my phone number off their records. I don't know a XXXX XXXX, and I have had my phone number since the late XXXX. Apparently someone by that name, and a " XXXX XXXX '' have used my phone number fraudulently. I have explained this to a number of debt collectors, including ERC, XXXX XXXX XXXX, XXXX XXXX as well as XXXX XXXX. They use various rotating phone numbers to call me or text me, looking for " XXXX XXXX '' and/or " XXXX XXXX. '' I have attached the letter I received from ERC as well as an image of the text that came today from phone number XXXX. They want me to call XXXX, file number XXXX, requesting XXXX XXXX ' immediate response. The phone number beginning with XXXX also called and left message XX/XX/2020 and I filed a complaint with the FTC on that occasion.
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to XXXX, Experian, and XXXX 5 different times. I have not recieved any results from them. I have attached my 3 bureau report showing all of the errors in the account. Please help me resolve this matter.
Product: Credit reporting or other personal consumer reports

Equifax has re-inserted inquiries that I have already advised were not authorized or made by me. The inquiries include XXXX XXXX XXXX dealer on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. These inquiries are not attached to any account that I currently have or have ever initiated. I have previously raised this issue with Equifax and the inquiries were removed however they have been added back to the account without authorization. I am demanding that these inquiries be removed ASAP.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please see the attachments.
Product: Debt collection

I am not aware of this company, ( I.C. System Inc. ), nor have I ever been in any contract or agreements with said company. I have never had communications, written or verbal, with said company. Any account open is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX Charged off XX/XX/XXXX Paid/settled XX/XX/XXXX I have contacted TD bank / target credit. After settling and paying off this collection they told me in 7 days. XX/XX/XXXX they would email me a XXXX balance letter and in 30 days a final settlement will come in the mail. The account is verified paid and not owed. This company is not allowing me to remove and delete the file on my consumer report. This account is closed and settled. It is my responsibility to monitor my consumer report. This negative reporting by this company is stopping me from renting an apartment. I need it removed and deleted off my account immediately. I can provide the information proving leasing desk is using this collection against me and it's hurting me. please remove and delete. I have rights to say who can report on my consumer report. Please contact them, they do not have the right to deny a deletion which was reported on my account deny me my rights and breaking federal law. Thank you again this is an attempt I am asking to politely remove this account which I can no longer use or open. Collection is verified as paid and not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

1. ) Our Section 184 mortgage loan was transferred from a 3rd party service ( XXXX ) back to " XXXX XXXX XXXX '' in XX/XX/XXXX. ( XXXX XXXX or XXXX is a subset or DBA of Mid America Mortgage . The link to see this information is XXXX XXXX XXXXXXXX ) 2. )  Despite poor handling of our mortgage by XX/XX/XXXX we had hoped that the transfer to a group that understood what Section 184 loans were would be a good thing. So far things have not gone well.

3. ) I have requested an escrow analysis for XX/XX/XXXX; my next mortgage payment in XX/XX/XXXX will throw my escrow balance beyond the 2 month " cushion '' that is allowed by law. The mortgage lender states that escrow analysis will not occur again until XX/XX/XXXX. 

4. ) There is a double withdrawal for the PMI from my escrow on XX/XX/XXXX. I was told over the phone that this was because the original 3rd party service group ( XXXX   ) didn't make these PMI payments in XX/XX/XXXX and XXXX  of XXXX. I have documentation from both XXXX XXXX XXXX and now our new service group ( XXXX XXXX XXXX ) that shows the payments were made. In my opinion this is an attempt to justify theft ; regardless I have evidence against the contrary. 

5. ) XXXX XXXX does not allow anyone to speak with their escrow department. They stated I can email them but emails that go to XXXX have thus far ( since XX/XX/XXXX ) gone unanswered. I received an email on XX/XX/XXXX from XXXX stating that it would be resolved in 48 to 72 hours. This has not happened yet. 

6. ) Attempting to contact XXXX XXXX customer service by phone results in wait times exceeding 1 hour every single time. The last time I was able to get someone on the phone they put me on hold and just hung up on me after 15 minutes. It has been a real treat. Regardless the lack of responsiveness is astounding.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a settlement offer to Cardmemeber Services for my US Bank, Cardmemeber Services Account. I received a letter from the company advising me my credit report would reflect a XXXX   balance. However, to date my credit file still reflects a past due balance. I have made several attempts to contact both the company and XXXX to have this infomation updated. Although, the credit reporting agencies of XXXX and XXXX report the balance correctly as XXXX. XXXX refuses to update the account balance after I have submitted four disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to go to the doctor. I contacted XXXX XXXX to schedule an appointment with my primary care doctor to get a XXXX shot. The representative who answered advised me to go a closer office. I went to the office on XXXX XXXX as directed. My insurance company, XXXX, did not pay the bill because the doctor who saw me was not my primary care physician. XXXX XXXX then sent the bill to collections due to non payment. It was later determined that this was an error on the part of XXXX XXXX. They corrected the issue and the bill was subsequently paid by the insurance company. 

This office visit took place on XX/XX/2017. At that time, my credit scores for TransUnion and XXXX  were XXXX and XXXX respectively. Since this item was incorrectly transferred to a collection agency, my score dropped to XXXX and XXXX. Since this was an error and was not my fault, and has been rectified, I believe that my score should be restored to where it was before this error took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that arent mine. Please delete
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent inquiries from my credit report. They are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

MOHELA is not showing the reflection of my payment several months after payment was delivered and removed from my bank account. On XX/XX/XXXX, I made XXXX separate payments totaling {$14000.00} to MOHELA for my student loans. Only XXXX payments of {$4500.00} and {$4000.00} are being reflected on the portal, and the rest has disappeared. When calling MOHELA, I have been on hold in the automated system for over XXXX hours on multiple occasions and was told to continue to wait for it to reflect on my portal but that MOHELA can see it on their end. 

XXXX call was between myself and a MOHELA representative named XXXX on XX/XX/XXXX ( ref # XXXX XXXX XXXX ) of which I was told that the entire sum of money I paid would be shown on my portal in XXXX business days, yet it is still not being shown on my end. I have called MOHELA several times since then, the most recent on XX/XX/XXXX with no success and several of these calls being disconnected by the operator when nearing the XXXX mark. 

I was shown a response by a previous entity online that states that an expedited review was sent by MOHELA on my behalf on XX/XX/XXXX, but it does not state when this will be resolved and how this will be communicated to me. There have been additional emails stating the same expedited review, but it has been months since this review was " expedited '' and I have yet to receive a response. It has been XXXX  months since the original payment has been made, and the automated message I keep recieving states that this matter will be resolved in XXXX  days, yet nothing is resolved. 

My loans have now left the grace period and payments are being due, however I do not feel comfortable providing any such payments when previous payments have been lost in limbo for XXXX months. I also am not sure if any future payments will be going towards interests that should not have been accrued due to the time of my previous payment XXXX months ago.
Product: Debt collection

amount XXXX never heard of these people. 

hunters warfield on my credit report are stating this is my debt and it is not i searched my credit file and its showing an address i never resided before. it says a new jersey address and ive never resided in new jersey. ive disputed it with XXXX and disputed with the other 2 but they wont remove it once i proved where ive always resided.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX car loan payments are never reported to my credit report, There are sometimes as long as 9 months of payments missing from my credit report. I have to contact the company to ask them to update my info. They update my payments and all future payments aren't reported for another 7 months so I have to contact them again. It keeps going around like cat and mouse. I need consistent reporting every month.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO Transunion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

PAYMENTS WERE MADE BY SOMEONE ( NOW DECEASED ) NOT BY ME AND SO I REIMBURSED THEM DIRECTLY. THEN A FEW MONTHS LATER PAYMENTS WERE REVERSED AND MADE ME XXXX OVER MY LIMIT. I DISPUTED THESE REVERSALS AND EXPLAINED THE SITUATION BUT NOW THAT PERSON IS DECEASED ( XXXX ) AND I WANT TO CLOSE THIS CREDIT CARD AND PAY THE XXXX THAT I AM LIABLE FOR ONLY. 

THIS COMPANY CAPITAL ONE REFUSED TO COMPLY. I HAVE SENT SEVERAL LETTERS AND THEY KEEP BILLING ME FRO XXXX AND NOT WILLING TO NEGOTIATE AND CAUSING MY XXXX XXXX TO REMAIN LOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first attempt to rectify the issue was by creating a dispute through the credit reporting agencies. My second attempt was contacting the creditors via phone and my last attempt was sending them documentation of my circumstance via certified US Mai on XXXX XXXX, XXXX and yet the creditors refuse to remove the information from the three reporting agencies. I am a victim of a Nigerian Romance Scheme. This was determined by the TX FBI and the U.S. Department of Justice. I am providing the creditors name and partial account numbers as the entire account number does not appear on the credit report. Prior to this issue I had great credit. I wish there was something in place to protect consumers from being allowed to open all these accounts without question just because I have or had good credit. I am a senior citizen and am just looking to get my life back in order and move forward and having this information on my credit reports are not helping. 
JPMorgan Chase Account # XXXX .... Opened XX/XX/XXXX XXXX {$26000.00} XXXX XXXX XXXX Account # XXXX .... Opened XX/XX/XXXX XXXX {$5900.00}, XXXX XXXX XXXX  Account # XXXX... Opened XX/XX/XXXX XXXX {$15000.00} XXXX XXXX  Account # XXXX... Opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX  Account XXXX... Opened XX/XX/XXXX XXXX {$17000.00}