23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts is reporting an erroneous debt on my credit file. This debt is not only past the statute of limitations and past the credit reporting limit but also PAID. I have included a screenshot of receive payment for the debt they are reporting. Even if this debt was not paid the receipt has the date for the last received payment, being that it is from 2010 this account should have never been reported to my credit file. I have perfect credit and this collection dropped my scores significantly. I need this debt removed from my credit file ASAP.
Product: Checking or savings account

My account was transitioned from XXXX to BBVAUSA.com last week, and now I can't access my account, it says it has been " locked for security reasons '' and that I need to call their phone number for support. I've attempted to call them several times and after waiting on hold for an hour I was hung up on. I can't get through to a human, and I can't login to my account and access my funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal and blocking of several accounts and inquiries that have appeared on my credit report as a result of a recent data breach. As I am a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to have information related to fraudulently opened or used accounts blocked from my credit file. 
Fraudulent Accounts and Public Records Chapter XXXX Bankruptcy o Case Number : XXXXXXXX XXXX Date : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o XXXX : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} DEPTEDXXXX XXXX Balance Owed : {$720.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I am unable to open an account using the Bank of America in XXXX, Arizona due to the following : of unable to identify social security number, and the person using my social security number. Someone is already has a existing account with the same exact social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is in response to XXXX XXXX XXXX in Re : XXXXXXXX at XXXXXXXX XXXX XXXX As I stated back in XXXX of 2023, XXXX XXXX XXXX of XXXX XXXX XXXX and the Lawyers for XXXX apartment complex dismissed the case against me without prejudice and vacated the hearing set for XXXX XXXX the Lawyer called me and said I didn't have to appear as well as the courthouse clerk. Explain to me how the collection agency, who I didn't had a signed contract with while residing at XXXX apartment complex Still harassing me and my family, calling my immediate family members harassing them. Using profanity and trying to extort money from me which is a violation. I never signed anything with XXXX XXXX XXXX That being said, XXXX written it off as a tax write off and got paid and XXXX XXXX XXXX bought the debt for little of nothing and they trying to get paid as well. I clearly provided documents and still getting ignored by Experian. I provided proof. If this account is not removed immediately, my final step is to sue for defamation of character and emotional distress. 15 USC 1681 A4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Student loan

After transferring my loan from nelnet I contacted Mohela on XX/XX/18 after being on hold for nearly two hours about my payment being incorrect. Under the SAVE plan I was estimated at {$100.00} on their site as well as on federalstudentaid.gov. Theyre attempting to charge me {$280.00} which is payment under a standard non income driven repayment plan. It also lists a different amount under my current repayment plan the customer service representative could only repeat the amount of my loans and read off a script on repayment options, while reiterating that its just an estimate I had that same day resubmitted my application via studentaid.gov and recertified my income through mohela and studentaid.gov which the representative could not answer to me if it was accurate or if it would change it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus XXXX XXXX XXXX XXXX, Equifax Dear CFPB, I am writing to formally file a complaint against the credit bureaus XXXX, XXXX, and Equifax regarding inaccurate reporting on my credit file. 

I in fact have a active account with XXXX, which is associated with the following details : - 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 Despite having this account, I have been informed that my credit report inaccurately reflects that I do not have any credit card accounts. This discrepancy is affecting my credit score and my ability to secure credit. 

I kindly request that the CFPB investigate this matter and assist in ensuring that my credit report is corrected to reflect the accurate information regarding my XXXX account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I received a loan of {$1000.00}. They charged me an outrageous repayment of {$180.00} per month.
Product: Credit card

My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent.
Product: Mortgage

We signed a Home Equity Line of Credit ( HELOC ) with Bank of America NA ( hereinafter BOFA ) on or about XX/XX/XXXX. Upon request in person at a BOFA branch and by telephone around XXXX XXXX, BOFA acknowledged that our Promissory Note was sold, but unable to identify the true buyer ( s ). In good faith belief, we assert that our loan had been securitized and bundled with other loans to sell as stock by BOFA. We seek from BOFA to verify who is the Rightful Owner/Holder In Due Course of our Promissory Note with a " Qualified Written Request '' for copies of all sales contracts, servicing agreements, assignments, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney issued by BOFA to XXXX XXXX XXXX XXXX if any, related to our loan from its inception to the current date.
Product: Credit card

Got a XXXX XXXX GM credit CARD approved XXXX. Paid on time and barely used the card. 3 months later account was closed and no reason as to why. I called in many times and spoke to many people at GM, who still cant figure out why card was closed. Told me To reapply again. I waited a few months then decided to reapply and see, was denied right away XXXX email stating that I applied to many times in 30 days ( when I NEVER applied to GM since the first time I got approved @ XXXX  months ago ). So the letter is a straight up lie. Called right away to speak to reps who finally got a supervisor XXXX XXXX, no last name or employee number ). I barely understood his English, but what I got from his rather rushed tone as if Im bothering him, he told me the denial is because they couldnt verify id. They NEVER ASKED for ID upload during app process. I applied thru their portal and got an immediate email within 30 seconds stating to many applications in 30 days, nothing about id verification ( which was never done by email or call from GM ). Something is falling thru the cracks at my expense and I need a real answer and not the run around w GM/ XXXX XXXX XXXX I want them to either reopen my card, or give Me a valid true reason why it was cancelled. Also. I need to know why they sent me a denial letter stating I applied too many times in 30 days when it is 100 % false. Bank deception at its best going on.
Product: Credit card or prepaid card

Last summer my wife and I purchased airline tickets through XXXX. Our two ticket invoice totaled {$810.00}, and we were provided an itinerary number for the flight. When our mastercard statement appeared the next month, there were two charges and three refunds from XXXX listed on our account. The two charges were for {$3200.00} & {$800.00}. Then there were three refunds for {$410.00}, {$330.00}, and {$330.00}. Two itinerary numbers were listed for these five transactions, and neither were our itinerary numbers listed on our purchase. 

I reached out to XXXX, and they stated the two itinerary numbers listed on the card purchase were not in their system, and suggested I reach out to Mastercard to get this taken care of. 

After reaching out to Mastercard, they initially went through the Dispute process. A month or so later, I received a letter saying my claim did not fit the dispute process. When I called back to Cardmember Services, the claim rep stated I should go through the Fraud process. A fraud claim was initialized at that time. Charges were removed, and after a month or so, put back on my card claiming the fraud charge was not accepted. 

I now have 10-15 emails from XXXX stating the itinerary numbers are not something on their system, so they can not issue a refund. Cardmember Services has closed my fraud case stating that they are unable to process the fraud charge, even though XXXX says they have no record of those charges. 

In the meantime, I now have been overcharged {$2100.00}! Neither company is willing to help through the process and has turned into a constant, " don't look at us, you need to go to them ''. I have no issue paying for the {$810.00} flight that my family took last summer, but being overcharged {$2100.00} is just plain robbery. I have been bounced between a dozen customer service reps between XXXX and Cardmember Services, and have more or less been cast to the side.
Product: Student loan

I filled out 3 Public Service Loan Forgiveness forms ( PSLF ) in XXXX of XXXX. To date, only one of them has been processed and certified. The other two are still pending. It has been 15 months. 

A timeline : XX/XX/XXXX Consolidated loans, loan servicer was XXXX XXXX XX/XX/XXXX Submitted 3 PSLF forms for 3 employers spanning the last 14 years XX/XX/XXXX One PSLF form was certified and approved XX/XX/XXXX Loans were transferred to Mohela Here is what I have tried... 
1. Multiple chat and phone conversations first with XXXX XXXX, then with Mohela. They do not have any answers as to why these forms have not been processed. They claim that they are waiting on Federal student aid. 

XXXX. Submitted complaints on the Federal Student Aid website. The first complaint was made in the spring of XXXX and closed automatically when the loan transferred to Mohela. The second complaint was made in XXXX of XXXX, and we have received no response. 

My largest complaint is with Federal Student Aid. It should not take 15 months to certify that an employer is a 501C3. We have submitted everything asked of us in a very timely manner. And still no communication. Even after contacting the Ombudsman group, we have received no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect payment report for my XXXX account ( account number partially provided : XXXX ), which was opened on XX/XX/XXXX. 

What Happened : The payment for XX/XX/XXXX was reported as missed. However, this payment was made on time and should not reflect as missed on my account. 

Details : Date of the Incident : XX/XX/XXXX Payment Amount : {$65.00} Actions Taken : I ensured that the payment of {$65.00} was made on time through my usual payment method. 
I have reviewed my bank statements, and the payment was indeed processed successfully. 
Upon noticing the error in the reported status of my payment, I contacted XXXX customer service to address the discrepancy but have not received a resolution. 

I request that this matter be investigated and the incorrect report of the missed payment be corrected. This error is affecting my credit report inaccurately and does not reflect my responsible payment history. 

Thank you for your attention to this matter.
Product: Mortgage

XX/XX/XXXX- XX/XX/XXXX I was in COVID forbearance with my mortgage. 

After that ended Freedom Mortgage created a loan modification that made my monthly payments go UP. I told them repeatedly that this would be extremely difficult to pay given my financial circumstances as a XXXX mother of XXXX. They did not care and said I had to do the loan or sell my house. During this process they sent me at least 10 different versions of the paperwork because there were errors on them. XXXX. XXXX dated XX/XX/XXXX stating I needed to apply for a loan modification by XX/XX/XXXX and that a foreclosure sale is scheduled for XX/XX/XXXX! 

I have very LOW confidence my modification was done properly given all of these errors and oversights. 

I also discovered there was a XXXX XXXX to help homeowners in this situation and applied but since I already started the loan modification process with FM I was denied. 

I called FM several times trying to work something out and found out I could have done a 40 year mortgage but that was never offered to me either. 

I am now a month behind and racking up late charges because my loan is no longer affordable as I suspected in XXXX. 

They also incorrectly reported my forbearance to the credit bureaus which had a negative impact on my credit.
Product: Debt collection

I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call Blitts and Gaines and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Using PayPal, money sent to scammer with email XXXX And XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check was inaccurate. There was a MISDEMEANOR charge from XXXX Oklahoma that clearly states it is in Oklahoma that was put under the XXXX County, GA section. This charge was used as a " discrepancy '' even though first if all, I was not asked in the background questionnaire to list my misdemeanor charges, only felonies, and second I listed that I have no charges in Georgia because I do NOT! This charge clearly states it is in Oklahoma! All of the other information and charges were marked as " eligible '' except for THIS charge and as a result, I was disqualified for employment unfairly and was discriminated against for a criminal charge that is also clearly over 10 years old! This charge is from 2008! I authorized a background check with this SAME third party, First Advantage, with the SAME information about my criminal past that has NOT changed and has been clean for over a decade for the XXXX XXXX and PASSED directly after this check was run. All charges were placed in the correct section for this check, though, and I was not discriminated against for ANY of my charges. Yet the job with XXXX paid less and was not the position I wanted. This is unacceptable and wrong!
Product: Checking or savings account

I believe Bank of America closed my account for the wrong reason. On XX/XX/year> ; I received a notice that my account balance was low, so I immediately thought maybe someone hacked my account. I called the bank 's customer service number and after talking to 3 different customer service agents, I was informed that my checking and savings accounts have been closed because i failed to update my information online. I know this is a bogus lie because, I logged in the account online and updated and confirmed my information twice litterally as soon as I found received the request to update the info. This is an account that was opened 14 years ago. Both accounts were closed without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

In XX/XX/XXXX a report from XXXX XXXX XXXX placed a collection account on my credit reporting statong it was a collection for a XXXX account. I have not had XXXX service since XXXX.I disputed this collection and it was removed by XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX i received a report from now a XXXX XXXX XXXX the SAME XXXX ACCOUNT. Same amount and same information. I spoke with multiple people at XXXX and filed a " FRAUD IDENTITY '' case with XXXX as well. Provided all needed documents. XXXX has stated they can't file this case due to me not having a account with them. I have personally called an spoke with people from the XXXX XXXX XXXX which they are stating they have an account with my Telephone number but social and address are NOT correct. I filed with the credit bureau which also states this account was removed back in XX/XX/XXXX from XXXX XXXX XXXX. So how is it that the same information from the same reporting agency is with 2 different credit collections. On top of that this has been going on for 2 months. The collection company XXXX XXXX XXXX can not produce no type of documentation stating this is my account. But have stated the information they have is not matching my personal information. This is suppose to be removed after 30 days according to the Fair Credit Act. So why is this company not removing this FALSE report off my credit.. I was in the middle of buying a home and got denied because of this.. This needs to be handled accordingly to what the laws are or i will pursue to the next step to sue this company XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

In XXXX of this year of 2020 I contacted lending club to put my account on a payment payment arrangement. They said that they did that but that was not the case and a month later I was reported to an outside debt collector. After contacting Lending Club they admitted that it was their error and their computers did not reflect that I was on the payment program. They corrected the credit issue this dirt time. Since then I have had 3 other occasions all on different months where my credit report reflected that I was delinquent in the month of XXXX, and then XXXX, again in XXXX, and now in XXXX. All reported on different occasions once they said the problem was fixed. This is the only negative information on my credit report and as a result of Lending Club reporting this I have lost one of my credit cards and my available credit on another card has been reduced. Every time they fix the problem a month or two later its reported as late again for the different month. It takes a month to update this information where my credit report shows delinquent. This is unacceptable and my credit has been in disarray because of Lending Club since XXXX. They keep fixing the issue but it keeps in happening again. Financially they have crippled my ability to support my family for over 6 months. This seems like legal action is appropriate. I pay my bill on time and still have his happen.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Calvary Portfolio Servic The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards.