23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted Mohela XX/XX/XXXX to have my loan repayment plan changed to the extended graduate repayment plan. It is currently XX/XX/XXXX, and my plan has yet to be changed. I have spoken with many different Mohela supervisors over the course of six months and, in addition, submitted a prior complaint on the CFPB data base ( Complaint ID : XXXX ). Each time I have been told my repayment plan request change has been " expedited ''. Some supervisors have gone so far to say that my plan would take effect " when we get off the phone '' or " at the end of this business day. '' None of that has been true. I have also repeatedly asked for the notes they have about my account and have been told they would be sent over... but they never have. 

I was making payments from XXXX to XXXX ( still on the repayment plan I did not want to be on ). In XXXX I received a notification from Mohela that my XXXX billing statement was given to me less than 21 days from the due date so Mohela was putting my account on an administrative forbearance and any payments made between XXXX and XXXX of XXXX  would count toward future payments ( or refunded if requested ). This was also Mohela 's resolutions for my prior CFPB complaint - even though my repayment plan still has not changed. However, since then I have neither been refunded nor have my prior payments gone toward my future payments as specified. 

I called Mohela yet again the beginning of XXXX. This time the representative told me ( XXXX ) my request was still pending but " someone at Mohela didn't submit it correctly ''. Excuse me, what?! It's been XXXX month and I've talked with at least XXXX supervisors at this point. Is this true? If this is true, why was I not notified? I feel like I can't trust anything their representatives say though because nothing about this account has changed even when supervisors " guarantee it will be done by the end of the week ''. 
( XXXX ) He noted how my account still says I owe XXXX XXXX  in XXXX even though I made payments from XXXX - XXXX totally {$16000.00}. My minimum payment is roughly XXXX dollars on the repayment plan they won't take me off for whatever reason. So, as confirmed with this representative, my XXXX bill ( and many future bills ) should be accounted for in my XXXX to XXXX payments. But for some reason Mohela is still saying I owe money in XXXX despite their own written correspondence saying these payments would apply to my future payments. 

So when will Mohela change my repayment plan and when will either my prior payments be refunded or counted toward future payments? 
I believe Mohela is mismanaging my loans and not being honest in their financial obligations to me, the borrower.
Product: Debt collection

Local VA clinic sent me to XXXX Hospital in XXXX, Florida. They assured me that the VA would pay for it. Now I am being advised by credit agencies that two doctor bills and a hospital bill are unpaid and they are ruining my credit. My rating has fallen over 150 points in the last two months! HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have been working with this company to delete this acct on my report it was deleted from my XXXX but not the two others i am a victeim of idenity theft
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX on XXXX it continued to update as charged off in both XXXX and XXXX XXXX on XXXX it reports XXXX potentially XXXX  XXXX XXXX On XXXX it reports XXXX Potentially XXXX XXXX and shows no Payment history on transunion.On XXXX it reports account type as " Charge Card '' on XXXX as Revolving account and on Transunion as XXXX  account. On XX/XX/XXXX XXXX reports on time payment in XX/XX/XXXX on XXXX it reports XXXX  days last.On XXXX it shows XXXX  days late repeatedly in XXXX, XXXX, XXXX of XXXXthis inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX Number XXXX Enclosed is a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and Equifax that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.
Product: Credit reporting or other personal consumer reports

There is a fraudulent car loan account on my credit file that does not belong to me. 
XXXX XXXX XXXX Balance details 11 % paid off - Balance {$23000.00} Balance updated XX/XX/scrub> 2024 Original balance {$26000.00}
Product: Debt collection

This company ( CMRE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX Pension agency sent me a payment of EUR  XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX agency was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX agency that they are unable to recover money from that account. My personal calls to Capital One Bank always ended up with advice to contact the sender. 

On XX/XX/2019 I have filed a compliant with CFPB and attached a letter from XXXX pension agency describing the situation and their activity to get information from the issuing bank and Capital One. Despite this letter, on XX/XX/2019 Capital One has responded with a completely formal letter, saying that they do not have enough information to identify the problem and recommended to contact an issuing bank. The bank employee who signed the letter also provided his personal phone number and asked to call if I have questions. Needless to say that when I called that number and left the message, nobody called me back ... 

It shows that this institution learned well how to diminish effect of such requests especially because CFPB closed the case without any follow-up. Now I pushed to file another complaint because I do not know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Credit card

In XX/XX/year>, while in Colorado I applied for the Kohls charge card via the Kohls XXXX. I was immediately approved with an {$800.00} limit and a temp card number to use the card right away. First Transaction the card was declined. I spent a few minutes on the phone with their customer service. It sounded like they wanted my first born child to be signed over to them. I used a different card to complete the purchase. I kind of forgot about this card until XX/XX/year> I was on the Kohls app. I contacted the customer service and they said there was a restriction on the account and it was related to ID verification. They wanted to send a code to my phone and the only number they would accept was my old work phone, I no longer have access to that phone. I will mention that the Kohls charge card is issued by Capital One. I have four other credit cards with Capital One. If there was any inconsistency with information, they would not have approved the account. That would be an immediate fraud flag which would require a review. Kohls asked me to send in a copy of my ID, and other documents to verify address. All the information on this account, is consistent with any information on any consumer report. There is no reason they should be blocking cards and verifying addresses when it's consistent with all consumer reports and public information. Not only that but its been six months now. If the account was fraudulent, I am sure an account holder would know. I had concerns that after approval the card was restricted right away and has never had that restriction lifted. That would imply that they have yet to satisfy ID verification. However they have no issue reporting monthly to credit bureaus information related to the account. Its not negative but it does jeopardize the security of my personal information if it were to be fraud. I have submitted all information to Kohls and they are radio silent. They will not return any contact. The account is still restricted. I asked Capital One to close the account and they said it has to be Kohls and I just asked for the account to be closed. This isn't my account, this account belongs to Kohls. I have no control or access to it. I can't make any changes to it. They need to answer for why they are reporting account information on an account they have not verified. 

The phone number for them to look up this account is XXXX
Product: Vehicle loan or lease

In XXXX I made 3 payments to the loan company and they sent me the legger showing that all those payments went towards interest and they did not apply anything to the loan amount. The loan amount somehow increased from XXXX to now over XXXX somehow and I have never missed any payment. They continue to mention the coronavirus pandemic when I lost my job and they had to extend those payments. I contacted multipe other loan providers and they told me that this company ( Bridgecrest ) is reporting to my credit that I am only paying 2 % interest when in fact it is 20 % according to my documents. I need a full investigation done on this company.
Product: Credit reporting or other personal consumer reports

I sent a dispute to experian on XX/XX/XXXX, it is now XX/XX/XXXX and I have not received any investigation results. Below I attached a copy of the dispute ( in which i detailed out everything that's inaccurate, incomplete and/or unverifiable ), 2 forms of ID, the supporting documentation and a copy of the credit report. I demand that this agency complies with the FCRA
Product: Payday loan

Castle payday -aka- Red Rock Tribal Lending, has continue to take money from my checking account that I do n't remember authorising.They say it was for a XXXX XXXX loan which I was to pay XXXX dollars a month.I do n't remember making this loan, but it was on my bank statement, so I thought maybe I did.I have paid them for the last seven months and they say I owe more.Can you help? Thanks
Product: Checking or savings account

WesBanco initiated a system upgrade XXXX XXXX XXXX to their online and mobile banking. As of today XXXX at XXXX XXXX. I am still unable to log into any of my accounts. I have called 5 times, sat on hold for more than 3 hours total, was told once that it was resolved and it still isn't. I have been disconnected 4 times, routed into the wrong phone menu because of an IVR menu problem 3 times. I still have no access to personal or business accounts. Nor will anyone answer the phone at the local branch so that I can even make an appointment to go in and withdraw funds to close my accounts. They're basically holding my money hostage. When I try to set up my log in, none of the phone numbers listed for the security code to be sent to me match any number I've ever been associated with, which makes me very concerned about my account security. They've issued almost no communication to customers about technical issues, and the one statement they did issue to the media basically blames customers for the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021
Product: Vehicle loan or lease

I have a loan with capital one that has a past due balance. For a year, I have been paying the total amount due every month, but I have been unable to catch up with the amount past due. Even though Ive been told many times by many representatives that as long as I pay my monthly payment, they wont repossess the vehicle. Yesterday going to the website they were gon na be possessed my car unless I paid {$31.00} so I did pay that so it took it out of repossession. It appears that now that I dont have a phone they are making it extremely difficult for me to manage my loan. 

Yesterday I made a {$30.00} payment to avoid repossession of my vehicle. I am unable to call because my cell phone has been shut off. But there is no other way to communicate with Capital One except through a phone call which Im unable to do. I feel like Im being discriminated against because they offer no other form of communication. Due to health issues I do not leave the house so I have no way to call them no way whatsoever. I dont have people that come to my house that have a phone. I can not request people to come to my house so I can use their phone. There is absolutely no option for me at this time contact Capital One and no matter how hard I try to get an email. They just refuse to offer me a different solution. 


I set up recurring payments last month as I start getting Social Security in XX/XX/year> so I can make a little extra payment every month and this morning. I woke up to an email saying that my recurring payments have been canceled. When I log into my account it shows I have to call them in order to make a payment. When I look on the website, the pay now button is no longer there and it says I have to call which I cant do. In searching the website more, theres another option to pay, but it only says I can pay the total amount past due. Im unable to set up recurring biweekly payment amounts.

So now I cant make a payment on there website. I cant call to set up the payment, so how am I allowed to make a monthly payment? I feel that capital. One is discriminate against me because I dont have a phone and theyre making it impossible for me to make a payment on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX - {$170.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - {$2500.00} XXXX XXXX XXXX  - {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits such as XXXX or bank transfers. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crime 's which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.