23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Capital One credit card ending in XXXX shows an available balance of {$84.00}. It was over the limit recently, but I made XXXX {$70.00} payments and had XXXX {$35.00} late fees waived. 

I can not use the card however. Capital One says it is past due and over the limit. Yet it shows {$84.00} in credit and no payment due. 

Also, I do n't understand how I only have {$84.00} in credit available, when I made {$140.00} in payments and had {$70.00} in late fees waived. 

I 've used the Capital One online chat service twice and can not get a satisfactory answer.
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 below. 

XXXX XXXX XXXX ;
Product: Credit reporting

I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked my Transunion credit report and it reports several XXXX loan accounts, but I do not currently have a payment plan. I have asked for proof of this but they havent provided proof of any payments I have to make. I am under the income repayment plan and because i have no income, I have no minimum payment for my XXXXXXXX loans at this time.
Product: Debt collection

RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. 

I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
Product: Checking or savings account

My personal checking account with Citibank was closed due to the fact that I had a SBA Eidl loan deposited into the account. I am a sole proprietor and was unaware that I could not have a business loan deposited into a personal checking account. 

I was told that once the account was closed that Citibank would send the loans back to the SBA. The account was closed on XXXX XXXX and Citibank still has not sent the loans back to the SBA. This is of great concern to me because in the SBA does not receive the loans back soon then I will either have to pay on a loan that I never had access to or I will be in default which will negatively affect my credit and what is worse I could have my assets that was used a collateral seized.

I would like for Citibank to send the SBA loans back to the SBA immediately.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called seterus to set up a repayment plan for my mortgage. When I called I wasnt even past due. I specifically asked them if this will affect my credit they said no. Apparently they set up a form or repayment that I did t agree too. 
I tried for them to listen to my conversation with the representatives I spoke to. They keep mailing me the agreement. They reported late payments on my credit, my credit score went down over 50 points. This is fraud, if I knew it will affect my credit I will have made a completely different decision.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to Transunion for them to remove the account that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went on XXXX, a company that allows peer to peer in purchasing and trading cryptocurrency. I got involved with a person whom we were chatt With each other and decided to make a purchase through PayPal. I sent the payment and completed the transaction Then on her side it said pending so she could not do anything yet.this was about 5 mins later I told her she needs to send my crypto to me, meanwhile I contacted PayPal and filed a dispute to cancel, it was sent through friends and family method but immediately I tried to cancel and do I dispute this transaction. Because she said she did not receive my payment and PayPal says pending. I called everyday trying to dispute this pending transaction. PayPal closed my case and then sent the money to that person. That person decided to ignore everything and kept my money. I have tried calling my bank which was throug XXXX  they said its PayPal whom I need to get in toouch with me. That person is totally aware she stole my money. It is PayPal whom disregard my pleas to cancel that transaction and then payment was taken out of my account immediately and was pending for three days in which everyday I was trying to cancel this payment. Please help. That lady still holds an account with PayPal and I have messaged her through PayPal and she declined my request on PayPal. I have all the back in forth interactions with that person. She is aware she scammed me through PayPal. PayPal agreed the money was sent correctly even though 5 mins after I have been trying to cancel this payment please help
Product: Checking or savings account

Today on Friday this morning I had called about a incoming transfer which the first associate did verify by giving me the amount and the bank it was from she said that I would have to wait an additional XXXX to 5 days for my deposit he was an ACH deposit I said there's nothing in your policy that states I have to wait an additional 3 to 5 days for my deposit in fact it says the otherwise I can get it earlier which is why I agree to it he said it's in the policy I said it's not in the policy I can't find it you want to speak to a supervisor it was then I was put on hold for 30 minutes and then hung up on I called back the next person was very combative denied the fact that there was a deposit and then when asked to speak with supervisor they told me that they don't handle calls like this and that they're too busy I said I need to speak to a supervisor she put me on hold for 30 minutes and then the phone hung up or they hung up with a call call the third time although they did confirm and verified the deposit they would not allow me speak to a supervisor and hung up the call the 4th time I spoke to a supervisor after being put on hold for 20 minutes when the supervisor did show up she had to very unprofessional attitude we're not allow me to speak did not hear what I was trying to say then she denied the fact that there was a deposit or transfer I said the two people verified it she said I don't care what they said and she kept and would not let me continue to speak or address my concerns that she kept talking and I said I do have another concern she kept talking and hung up the phone this is actually pretty common with chime every time I dealt with them they either hang up the call or do not allow you speak to a supervisor and do not get out clear answers to the consumer and when asked for a clear and concise answer they either hang up the phone this is supposed to be a banking institution of financial institution in there policies and procedures problem with
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Account on My Credit Report Under FDCPA 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute a collection account that appears on my credit report with Equifax. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I have the right to receive validation of the alleged debt. 

I hereby formally request that Equifax verify and validate the debt reported on my credit history. If the collection agency is unable to provide proper documentation proving that this debt belongs to me and meets the legal requirements for collection, I demand its immediate removal from my credit report. 

Additionally, I believe that the reporting of this debt violates multiple consumer protection laws, including : - XXXX*15 U.S. Code 6801** : Protection of personal information. 
- **15 U.S. Code 6802** : Obligations regarding the disclosure of personal information.

- **15 U.S. Code 6803** : Disclosure of privacy policies.

- **15 U.S. Code 1681e ( b ) ** : Accuracy of credit reports.

- **15 U.S. Code 1681a ( d ) ( 2 ) ** : Exclusion of certain transactions from credit reports.

- **18 U.S. Code 1028A** : Aggravated identity theft. 

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this account from my report or supplying the required documentation validating the debt. 

I am attaching a copy of my identification and my credit report with the disputed account highlighted for your reference. 

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER Bank XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 

1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3.XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 7. XXXX XXXX Date of inquiry XX/XX/XXXX 8.XXXX Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX 10. XXXX XXXX Date Of inquiry XX/XX/XXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Experian numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. Experian has not presented method of verification and I s reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer, Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against Experian concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing supporting documentation that substantiated my claim, they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Experian may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. Despite my attempts to resolve this issue directly with Experian through email and certified mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Transunion is held accountable for its obligations under the relevant statutes. Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I tried to make a purchase online with my XXXX card but the purchase was declined and a preauthorization was take out for XXXX XX/XX/2020 so that I thought and the app declined my card. So I called XXXX XXXX XXXX and tried to explain what I thought my email stated and the person told me that he seen the the preauthorization for the XXXX and would refund that amount. I was fine with that but I still had the problem of my order getting declined so I asked to speak to a supervisor and got transferred to one. I start telling the supervisor that I was fine with the preauthorization but I had a concern with them not seeing any kind of transactions or any trace of anything on my account but they are taking money from my account without a reason. My second issue is the fact that every where I use my card the put a preauthorization hold on the account. My money is direct deposited every pay day without any type of problem. After I give up on explaining my problem to two different people and either one of them not even attempting to do anything past refunding the the XXXX. Just a little bit later the same day not even a hour later a XXXX preauthorization is emailed to me after I told them that amount and that it was declined. I went and with draw money to to pay for my dinner order. I have a receipt to prove that I paid cash for it and I have both emails with the times, dates, and everything on them. Now I dont know if it will get refunded to my card are if I will even see it again.