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

Closed case XXXX by Capital One is wrong on there investigation.

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX
Product: Credit card

Ensuring timely payments on this account has been a priority for me, always avoiding overdue payments. However, I'm puzzled by reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be addressed.
Product: Credit card

In XXXX, when I went to vote, I was told I already voted in XXXX. We contacted our state representative and they would `look into it. In XXXX if XXXX, we brought my wifes vehicle after her lease. My credit score was over XXXX. In XXXX of XXXX, I see on XXXX XXXX that it says I have an outstanding bill not paid. Upon looking, we realized that it was a Capital One/Cabelas card that was supposed to be canceled due to non use by Capital One in or around XXXX of XXXX per letter sent to us. Why would my wifes card get canceled and not mine? I called Capital One to dispute the charges and they asked for my address which was not the one on the statement. They asked for my email, which again, was not the XXXX of file. We even tried my wifes since she pays the bill, again not on the file. She there preceded to tell me I had to send XXXX pieces of identification to prove who I was. My wife email my drivers license, social security card and voters registration card. 3 days later they call me to tell me that they cant confirm this is me and they cant talk to me about the bill anymore, that I would just have to pay it. 4 months pass and now I get letter from a 3rd party credit management company, who says when he called that since I have good credit now, I have to pay the bill. XXXX is not my bill. The charges are from the XXXX area, I live XXXX XXXX hours away. The address on the Capital One statement is the same address that was changed before I voted. He changed all our vehicles to that address too. In XXXX, it wasnt on my credit report anymore. They sent the bill to the address in XXXX, so I have no idea that my card was not canceled or used until it came up on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

the reporting of late payments on my credit report associated with certain student loan accounts that fall under the protection of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which was enacted on XX/XX/XXXX. 
Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors were required to report accounts in forbearance or deferment as Current if the borrower had entered into an accommodation due to COVID-19. This protection was specifically extended to federal student loans held by the XXXX XXXX XXXX and servicers such as XXXX. 
I have identified several student loan accounts on my credit report that were reported as late during the CARES Act protection period, which violates both the CARES Act and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Affected Accounts : XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$1100.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$38000.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$21000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2500.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2400.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$360.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1900.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$3200.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$6000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2100.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4100.00} Legal Basis for Dispute : 1. CARES Act ( Pub. L. 116-136, Section 4021 ) : o The CARES Act required loan servicers to report accounts as " Current '' if the borrower entered into a deferment, forbearance, or other accommodation due to COVID-19.

o These loans were federal student loans, which are directly covered under the CARES Act. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : o The FCRA requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

o Reporting late payments while the account was in deferment or forbearance under the CARES Act violates the FCRA. 
3. Relevant Case Law : o Sessa v. TransUnion LLC Established that credit reporting agencies have a duty to maintain reasonable procedures to ensure maximum possible accuracy.

o Doe v. Experian Held that furnishers and credit bureaus have a legal obligation to accurately report account status when an account is in forbearance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four *XXXX {$960.00} XXXX XXXX XXXX Acct XXXX # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX  XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX XXXX  and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX XXXX
Product: Checking or savings account

My Sofi accounts have been restricted since XX/XX/XXXX because I received a deposit from my businesses credit card processor for my business with my name on it but Sofi kept the funds and restricted my access to the account. I havent been able to pay my bills or rent due no money being able to go in or come out. Ive called and I keep getting the same answer every time. When I first called the lady on the phone told me that my accounts were being closed and that they would be sending me a check for the amount of money in the accounts but nothing has been sent and the money is still in the accounts at Sofi, I just cant access it. I have since been evicted and was homeless for a while but now Ive had to inconvenience my family and stay with them. I worked for that money and now I cant access it. Please help, it would be greatly appreciated. I literally opened this account in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that Lexis Nexis is providing and selling. Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Checking or savings account

Hello Sir/Madam, I received a letter mail from Chase on XX/XX/2023 that they decided to close the checking account and one of chase credit card by XXXX 2023. I have been using the checking account for more than 10 years and have been loyal customer to chase. I don't understand why all of a sudden they are closing my accounts. I have called Chase and they couldn't give me an answer as well. My transactions are very normal as usual, normal direct deposit, normal transactions. They are closing my accounts without giving any reasons. I only have one account, now I have to open others and try to move things fast to move the money out of Chase. This is just so insane, I need to complain on their service to treating a loyal customer like this!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Product: Debt collection

ATTORNEY FOR XXXX KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
Product: Debt collection

I had a old cell phone bill sent to this collection agency I am not sure why it was sent to them in the first place, the bill was settled with XXXX when I switched XXXX paid them the switching fees. I contacted XXXX & they have stated the account is settled and it should never have been placed into collections. I have tried to get this removed from the collection agency and they refuse to acknowledge the problem. Had they of sent me a notice required by law I would have disputed this debt. Now in the days of XXXX XXXX I notice this on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letters to XXXX, XXXX and Equifax about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.
Product: Credit reporting or other personal consumer reports

INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit card

I have been watching and listening for updates on this and says I got store credit use how do I get that credit?
Product: Credit card

I received a card by mail, it was in my home a while ago. I don't apply for credit cards or use credit cards. when I tried to call the number on the back of the card it was one of the scams recording voice that wants you to speak and say " yes '' to record you saying this work. the number on the back is XXXX on the back also a circle in gold color says DEBIT. There is a number on the front of the card to activate the card XXXX XXXX and XXXX XXXX  logo. I want to make sure that no one is having my personal info or using my info to issue credit cards or making financial transactions using my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a negative report on my credit report for {$570.00} says XX/XX/2018 then says account account is 1 year 4 months old claims to be a medical debt but I have never heard of this company or had any medical debt. Company is goldkey credit out of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when XXXX attempts to sell me one of their monitoring products.
Product: Consumer Loan

I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.
Product: Credit card

I have been getting emails and text messages almost every day for the last month asking me about making additional payments on my credit card balance. I have spoken with the credit card company multiple times telling them that I spoke someone who said I can pay {$25.00} but I will still be considered late and will continue to be reported to the credit bureaus. The rep says they understand every time I talk with them on the phone and then they ask me again, " how much can you pay? '' Right after I told them I can not pay any more that what I paid. I get 2-3 emails a day and about 2-3 text messages a day. It is very disheartening and overwhelming. They are not actually trying to work with me. They just want me to pay what I don't have. I am in the situation due to $ XXXX in rent, food, gas, and a pay cut at the time I had to start using my credit card to cover emergencies. My pay has been made every month based on what I could pay after asking Captil One but now, due the interest rate increasing, I pay 29.99 percent interest and between {$85.00} - {$100.00} in interest fees. My bill is now just over {$300.00} due to late fees and interest. I have starting working more hours and we are looking for other work to start to increase our take home pay to hopefully pay off our balance in the next 3-6 months. XXXX and XXXX I started getting messages constantly bombarding me with text messages and email. I can not continue to operate like this. We are just trying to survive to pay rent when take XXXX checks XXXX XXXX XXXX with the funds or about 60 percent of my income just to cover rent. My other creditors are working with me now accept Capitol One.
Product: Checking or savings account

In XX/XX/2023 I opened a new checking account with Capital One Bank. When linking my direct deposit information with my employer to my new account I accidentally transposed the last two digits of my account number. XX/XX/2023 my paycheck of {$2900.00} was deposited into the incorrect bank account belonging to someone else. XX/XX/XXXX my paycheck of {$2700.00} was also deposited into this other person 's bank account. XX/XX/XXXX my employer initiated a direct deposit reversal in an attempt to recoup these funds. On XX/XX/XXXX ( and after numerous phone calls with Capital One ) I opened a claim with Capital One about retrieving the missing funds. XX/XX/XXXX my employer notified me that the bank denied the reversal request. XX/XX/XXXX Capital One notified me that they denied my claims with their Customer Protections Resolution Department.

I have had countless phone calls with Capital One and my payroll administrator to try to fix this issue. Capital One only notified me of the claims process on XX/XX/XXXX to try to retrieve the funds... this was after months of calling. They have told me that an ACH reversal is the only way the funds can be returned and " it would be treated like a bounced check '' so even if the other bank account holder spent the funds they would still honor the request. Every time I speak with them the goal posts are moved in a slightly different direction, and the last phone call on Friday XX/XX/XXXX they told me that I need to " speak to my payroll again, they have ways of recouping funds. '' I reminded them the ACH reversal was denied and what other avenue does my payroll have? They were unable to answer this question. At this rate Capital One seems to be doing more to help the person that walked away with my paychecks than they are helping me. 

My son is having costly unexpected medical issues and I absolutely can not afford to lose a month 's wages for my time as an XXXX XXXX. At this time both my employer and the bank are claiming they can do nothing further. Please help
Product: Debt collection

during credit pull for mortgage i was informed that there was a collection on my credit report by CBE GROUP for {$66.00}. called CBE on XX/XX/XXXX to inquire to why this was on my credit report and if they had any document showing it belongs to me. if not to delete it they stated it was not there policy to delete collection accounts.
Product: Student loan

This is the information I sent on XX/XX/XXXX to EdFinancial : On XX/XX/XXXX I made a payment in the amount of {$18000.00} from my bank account. My intention was to pay off my oldest loans.

Someone at EdFinancial applied it as three separate amounts : ( {$570.00}, {$14000.00}, and {$3400.00} ). Of much greater concern, they backdated the payments as though they had been made on XX/XX/XXXX. And even MORE concerning, they entered these payments as \ '' Paid By Discharge And/Or write-off.\ '' This looks like fraud to me. '' Right around the time I made this payment, EdFinancial emailed me to let me know I was entitled to partial forgiveness of my loans as I had been on an income driven repayment plan for many years. I have never received any of these funds. AND before I saw that email, I paid the balance of my loans off to avoid paying interest ( the interest rate had increased substantially since XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have let all 3 credit reporting agencies know in writing with copies of my ID and ssi card about information that is fraudulent on my credit and asked for the items to be removed and for them to show me the contracts with my signature on it. I spoke directly with Equifax on the phone because after I sent this notirized letter in my score dropped by XXXX points. The representative told me they do not have to send me anything. If the company says my information matches there records then it stays. I asked about what proff do they have it was me since I am letting them know I never opened the accounts. They told me they don't have to do anything but just verify with the company but no documents are provided. I let them know what section 609 says they have to provide under the fcra and they do not care. Also companies are on there putting inaccurate information on my report stating I made a payment in a collection account so they can keep on my XXXX longer. Information that was suppose to be removed under a class action lawsuits still remains and they refuse to remove it XXXX XXXX XXXX Recently an account popped up in my XXXX for a loan they are claiming I got in 2014 which never happened I never even heard of the company XXXX XXXX I have several fraudulent accounts on there that these reporting agencies refuse to remove and so do the companies that are reporting them. Inline of them will give me documents with my signature on it or the credit app or even let me know how it was applied for. I need your help to clear this nightmare up
Product: Mortgage

I refinanced a couple of years ago and now ServiceMac holds my mortgage. I have lived in my home since XX/XX/XXXX. With other mortgage companies I would receive a statement in the Fall showing what my new property taxes and insurance would cost and would be given the option to have the new higher amount rolled into my monthly payment or the option to pay the projected shortfall ahead of time and keep my monthly payment the same. I have always opted to pay ahead and keep my payment the same. ServiceMac does not give this option. I went through calling them last year, giving a payment for the amount shown on the Annual Escrow Account Disclosure Statement and then the payment still went up. When I called they were rude and one message even said something to the effect of " if you can read ... ''. This year I spoke with XXXX, a customer account rep, on XX/XX/XXXX. XXXX was professional, but put me on hold and looked at notes, then came back on and said that I can't pay the shortage ahead and that, even if I did, my payment would still go up ( I'm sure the call is recorded ). I said I have always been given the option to keep my payment the same ( with other companies ) and he said something to the effect of " it's never been that way ''. 

I did search online and see that another customer filed a complaint about ServiceMac for the same issue. I would like ServiceMac customers to be given a clear Annual Escrow Account Disclosure Statement clearly showing the option to pay all escrow shortages ahead of time, in order to keep monthly payments the same.