23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Well, 2 days ago from XXXX XX/XX/2022. 

I opened XXXX savings account from capital one, with an advertisement saying that I can withdraw money in the first 60 days without paying penalties fee. 

I noticed I put in the incorrect account number to transfer money from XXXX  XXXX XXXX to Capital One. 

XX/XX/2022. I called Capital to cancel the transaction. They told me that they can't cancel the transaction because it is pending- they told me that I can't close the account because the money is in process. On the same day when I created the XXXX account - It didn't show the option to change or cancel the transaction. 

On the same day, I called XXXX that I need to check my Withdraw Protection to be off because I set the wrong check account to Capital One I don't want to be charged for the wrong account. The lady from XXXX  XXXX XXXX told me that my account doesn't have to withdraw protection - Witch means I don't have to worry about the money being taken from my account. because it doesn't have withdraw Protection. 

On XX/XX/2022, I opened my XXXX  online - found a negative balance of XXXX XXXX because Capital one took money from an insufficient account. I called Capital one on the same day and there is a problem they took me money from the wrong account, and they told me that they can't do anything until the money is available. 

I spoke with XXXX  XXXX XXXX they told me that I have to wait until it finishes the hold processing. My question is why XXXX told me that they will decline any transaction for an insufficient account. 

Why did Capital one didnd cancel the transaction when I explained them? 

Please help me. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates  XXXX   XXXX  &  XXXX   XXXX
Product: Credit card or prepaid card

I have been working with XXXX XXXX XXXX XXXX XXXX since XX/XX/2022 to pay my debts.I 'm on Social Security XXXX and ran into some problems financially, this XXXXXXXX XXXX has been receiving payments monthly since XXXX granted they are late I do not get paid until the XXXX monthly from Social Security. And the funds go through XXXX XXXX, then sent onto Fortiva. I contacted XXXXXXXX XXXX XXXX to ask for a date change for my payments so they aren't late anymore ( to stop their late fees and over the limit fees ) they refused. This account will never get caught up if they do not help with changing the payment dates, and refunding of late fees, and over limit fees, ( over limit fees that they created by changing me late payment charges ). I can NOT change my pay date it's straight across the board from the Government! They also refused to offer any hardship payment plan to me!
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Medical Debt from Credit Report XXXX XXXX XXXXXXXX ( {$2300.00} ) original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( {$1900.00} ) original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT ( XXXX ) XXXX XXXX {$1000.00} ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to bring your attention to the recent change in federal regulations regarding medical debt reporting. As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has implemented new guidelines which mandate the removal of all medical debt from consumer credit reports. 
According to these new regulations, any medical debt that has been reported on my credit report should now be removed as it no longer meets the criteria for inclusion under the revised CFPB guidelines. 
I respectfully request that you review my credit report and ensure the removal of any medical debt as required by this new policy. Please confirm in writing once these changes have been made. 
Thank you for your prompt attention to this matter. Should you need any additional documentation or information to facilitate this process, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX of XXXX : XXXX
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES Last reported XX/XX/year> {$2300.00} Reported balance CrediXXXX limit {$9600.00} JPMCB CARD SERVICES Last reported XX/XX/year> {$4500.00} Reported balance Credit limit {$15000.00}
Product: Credit reporting or other personal consumer reports

Wells Fargo lawsuit that I was a part of but I'm not satisfied with what the amount they came up with XXXX it was a debit card fraud I think I'm entitled to way more this happened back in 2015 it caused me emotional damage losses of putting food on table cloths on my kids back to much to mention XXXX but I recently received a check for that amount and at the bottom it said this case is closed I can't get through to talking with anyone I'm frustrated confused i just wished Wells Fargo works that did all this upset wrongfully things to people need to be accountable for like jail time people out here especially on a reservation if we did what they did to us we be in jail i mailed my first remediation paperwork in abd did get a check for it but wasn't satisfied with it bit hopefully something comes down the road from that and this last one was credit card fraud and i responded to it and they told me to wait for another one in mail so i did and XXXX was a check for XXXX and said this case is closed i haven't had a phone due XXXX XXXX didnt pass that so i dont kow where tp go from here its just not fair
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer has placed numerous complaints about the sharing of inaccurate, non-public information to my consumer credit report. As a federally protected consumer, I have a right to privacy.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Dispute of Inaccurate Reporting Child Support on my consumer report/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE REPORT
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 XXXXXXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I pulled my credit file and i noticed that i have 2 recent inquiries from XXXX Card that i did not authorize or request. I do n't know where and why these inquiries are on my file they are dated XX/XX/XXXX and XX/XX/XXXX I did not apply for any credit from CHASE CARD
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent out a certified letter to all credit bureaus in regards to these accounts with Mohela and XXXX. total alleged debt with Mohela is about {$140000.00}. Total alleged debt with XXXX is about {$20000.00}. Both of these Federal loan companies have been reporting inaccuracies with different open dates, transactions and payments or non payments on my credit report for over 15 years. According to U.S cod 1681 a definition of rules of construction sec 2 exclusions except a provided in paragraph 3 the term consumer report does not include these terms. Containing information solely as to transactions. between the consumer and the person making the transactions report shall be excluded. Mohela and XXXX are in violations of my rights as a consumer by including transactions on my credit report. U.S. code 6802 They failed to give me documentations to opt-out reporting to a non-affilated 3rd party prior to them reporting to all credit bureaus They are also in violation of the ground mission bleil act of 6801. This has caused tremendous pain on my life a mother supporting her family. I would like these loans and transactions off of each my credit report with XXXX, XXXX and XXXX. I would also like to seek for damages due to the violations for almost 20 years of my life of pain and suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 15 years ago I took out a HELOC with XXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if  you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX   XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ),
Product: Debt collection

Linebarger Goggin Blair & Samson LLP. On XX/XX/XXXX. Attempting to collect a debt in the amount of {$1000.00} dated XX/XX/XXXX for the amount of {$560.00}. For a XXXX XXXX XXXXt XXXX. Another XXXX  dated XX/XX/XXXX, for the amount of {$490.00}. For a XXXX XXXX XXXX. I have no knowledge of this information
Product: Student loan

I am a XXXX. I have XXXX for 13 years. The last 6 years of my XXXX career  have been at 2 low income XXXX. I applied for XXXX loan forgiveness through my 2 current lenders. I owe about {$1000.00} to XXXX and about {$3000.00} to Navient. The loan forgiveness act allows up to {$5000.00} to be forgiven when certain criteria are met. I have met the criteria. I applied for forgiveness at both XXXX and Navient because the combined amount is less than {$5000.00}. I sent in the applications last summer ( XXXX 2016 ). The forms were exactly the same. The one sent to XXXX went through with no problem. It is currently with the Department of Education awaiting approval. Unfortunately, the same ca n't be said for Navient. I turned in the same form to Navient and they denied because the principal wrote the name of the XXXX as XXXX XXXX, but on the XXXX Cancellation Low Income Directory it was listed as XXXX XXXX. I called Navient and told them that there are hundreds of XXXX on the list that say XXXX. and that it is a common abbreviation for XXXX. The supervisor I spoke to then said that it would be ok, but that I marked a box incorrectly in another section. She told me how to fix it and then I resubmitted it. About a month later I got another denial letter, but this time it said that the service date was written incorrectly. It said it had to be written as mm/dd/yyy. However the service dates were written correctly. Instead where the XXXX  signed and dated it she wrote the date as mm/dd/yy. I called several months later because the XXXX year was underway and that is a very busy time. When I called Navient and complained, again, after almost an hour on the phone they said they would resubmit the application. That was a couple of weeks ago. Today, I got a letter saying that my application was denied because my current employee wrote my service dates as mm/dd/yyyy to current. They denied it because it ca n't say current that it must have a date. I called again. I told them that they should have told me everything that was wrong with my application from the beginning. They just seem to keep picking some tiny thing to deny it each time. I also told them that the same application was sent through XXXX with no problem. I have been told that I need to fill out a new application to resubmit. I am beyond frustrating and feel like I am getting the run around. I feel like they are just trying to get out of the forgiveness so that they can get more money is interest from me.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a Federally protected consumer, I am now Opting out of Any and All Authorization. I, the consumer may have given you written/unwritten/verbal and nonverbal per 15 USC 6802.
Product: Debt collection

On XX/XX/2019 Asset Acceptance threaten to sue me by garnishing my wages, in the amount of {$1200.00} about a debt that is unknown to me..
Product: Consumer Loan

I ca n't pay, too high interest. 
I was paying twice a month. 
For this loans I 'm in a debt settlement program.
Product: Credit reporting or other personal consumer reports

1. Conflicting Account Statuses ( Charge-Off vs. Pays as Agreed ) The following accounts are incorrectly reported as Charge-Off, despite my records showing they should have been updated accurately : XXXXXXXX XXXX XXXX Account ending in XXXX ) Reported Balance : {$1000.00} XXXX XXXX XXXX  XXXX Account XXXX in XXXX ) Reported Balance : {$0.00} XXXX XXXX XXXX XXXX ( Account ending iXXXX XXXX ) Reported Balance : {$0.00} XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Reported Balance : {$810.00} These accounts appear as Charge-Off while also being reported as Pays as Agreed elsewhere in my report. This inconsistency is misleading and has negatively affected my credit score. 

2. Incorrectly Reported Collection Accounts Additionally, the following accounts are reported incorrectly under collections despite prior resolutions : XXXX XXXX XXXX ( Account ending in XXXX ) Incorrectly reported as delinquent despite prior payments. 

XXXX XXXX XXXX XXXX Account ending in XXXX ) This account should not be listed as charged-off. 

TXXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Still showing as charge-off despite being settled. 

XXXXXXXX XXXX ( Account ending in XXXX ) Should not appear as open or past due. 


These errors need to be corrected as they have significantly impacted my creditworthiness.
Product: Debt collection

Tried several times to contact the Creditor I have left messages and got nothing but a run around need help thank you this is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over 12 years. They confirmed that my name was not on his account. I called the Aargon Collection Agency over 12 different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. 
I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of prison and changing my life this is a step back for me especially because this isn't my debt. Please help me Aargon Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX NV XXXX Report Number with XXXX XXXX Date Submitted XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I relocated to South Carolina in XXXX. I went to open up a new bank account and I was denied. I was wondering why I was denied. I recieved this letter from someone I've never heard of. Clarity something to do with Experian? I have never heard of them and wondering why I wasn't notified about this other credit agency? So I contacted them asked them who they were upon my disbelief they have stuff on me that isn't even phesable. Why isn't consumers being told about these other agency 's? They are hindering me and my credit really bad and Iam asking that you close this. I haven't been perfect but Iam trying to improve my credit and stay on top of things. Then this makes no sense at all to me and why are they considered a credit agency? Clear back in XXXX and XXXX my life was hit with challenges now 7 years later this is showing up. I'm XXXX. Why haven't I been alerted about this its wrong and regardless if it's legit Iam requesting it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

CHAPTER XXXX AND CHAPTER XXXX BANKRUPTCIES Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below 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 INQUIRIES 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: Debt collection

I sold a company 5 years ago for {$0.00} that had some debt. The new owners assumed the debt. A collection agency has been contacting my friends and family for the last month out of nowhere telling them about the debt, which has created a lot of embarrassment and concern. This person continues to call my wife, XXXX XXXX, several friends of mine. I have already spoken to the agency and informed them I have no intent to pay on the debt. The individual calls themselves a mediator who has paperwork that shes going to act on. Its become very intimidating as I have a newborn son at home and my wife is ill. The individuals name is XXXX XXXX, she will not stopping calling my family and friends. She says she is with PNB Capital Group. She leaves her number as XXXX XXXX XXXX.