23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX I opened up my dispute against XXXX for XXXX, and even after I explained it MULTIPLE times the agent didn't do her job right and opened it up for {$300.00}. I also asked to allow me to submit my dispute documentation and they've refused to do so. 

On XXXX I called Capital One to correct the disputed amount and they refused to do so claiming they can't and it will take XXXX  days. This is unacceptable when I very CLEARLY told them the original disputed amount. Now I can't send my XXXX in for service for another XXXX  days because of your employee 's inability to do their jobs properly. When I got transferred to an escalation I told them I'm recording the phone call after they refused to help and they refused to proceed. I'm within my legal right to record a phone call when I disclose it and my state is a one party state. The agent was completely unprofessional and XXXX XXXX XXXX. 

I have the call recording on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX was denied credit from XXXX for a business credit card due to transunion reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My XXXX mortgage that was modified in XXXX is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted XXXX XXXX and Transunion regarding this issue. XXXX XXXX stated that it is transunion 's problem bc they are recognizing a bankruptcy and just reporting it. Transunion says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted XXXX XXXX again and Transunion and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$37000.00}. Please update this accounts.
Product: Debt collection

The company hasnt removed the file from my credit report like they promised theyd do.
Product: Student loan

I have XXXX Direct loans from XX/XX/XXXX that I have been paying off. I went back to school in XX/XX/XXXX and accumulated more Direct Loan debt. After graduating in XX/XX/XXXX, I had to switch to an income based repayment plan from the standard repayment plan because I was not able to locate a job right away. The standard repayment plan period is 10 years, and I had been on that since XX/XX/XXXX. Then once I got a job in XX/XX/XXXX I switched back to a standard plan for all of my loans from the income based repayment plan. I was told that the repayment terms for all of my loans, which includes the older loans from XX/XX/XXXX in addition to the new loans that I started paying off in XX/XX/XXXX, was going to be 10 years. Instead of paying off my original XXXX loans in XX/XX/XXXX, which was the end of original loans ' repayment term, I will now be paying them off over another 10 year period until XX/XX/XXXX. I was never told this would happen if I switched my loan repayment plan ( it was never in writing or disclosed to me on the phone when I called to make the change ). It all seems unfair and deceptive. The loan servicing company is now making more money from me by collecting all that additional interest that comes with extending my repayment plan another 10 years for these XXXX loans, when I could have had them paid off by now if I had been able to keep them on the original repayment terms.
Product: Credit reporting

Equifax and experian should remove this account until a judgement is entered against me that I owe the debt.
Product: Checking or savings account

I opened a checking account with Credit Karma in XXXX. At the time, they had a promotion whereby I would earn a {$150.00} bonus if I received a direct deposit by XX/XX/XXXX. The bonus was supposed to be paid out by XX/XX/XXXX. I received a direct deposit from my employer on XX/XX/XXXX, and when I did not receive the bonus, I inquired with Credit Karma. On XX/XX/XXXX, I was told that I had been added to the recipient list and would receive the bonus within 7 to 14 business days. When that time had elapsed, I again inquired about the bonus. This time, I was referred to a different promotion that required me to file my taxes through XXXX and receive my refund with Credit Karma via direct deposit. It would also not pay out until XXXX. Even after explaining to the representatives that this was not the promotion I signed up for ( and providing a screenshot ( twice ) of the offer ), they refused to do anything. 

I have attached a screenshot of the promotion, my bank account showing the direct deposit on XX/XX/XXXX, and the XX/XX/XXXX13 email from Credit Karma stating that I was being added to the recipient list.
Product: Checking or savings account

I initiated an ACH transfer with Capital One Bank to transfer money from another bank to my Capital one Bank money market account on XXXX/XXXX/XXXX. Per Capital One Employee XXXX XXXX XXXX id XXXX ), the funds were received in my Capital One account XXXX/XXXX/XXXX. Per Capital One XXXX XXXX XXXX employee id XXXX ) Capital One held the entirety of the deposit without making any of it available until XXXX/XXXX/XXXX. This is a violation of XXXX law. CFR 229.10 subpart B states : ( b ) Electronic payments ( 1 ) In general. A bank shall make funds received for deposit in an account by an electronic payment available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. 

Capital One 's website funds availability policy states : Deposits made via check drawn on another bank and ACH deposits that we initiate on your behalf will be held for 4 business days. 

In other words, Capital One 's stated policy violates federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Money transfer, virtual currency, or money service

I have an active account with Arvest Bank. 
I came to the bank and I asked for XXXXXXXX cash from my account. They asked me to sign a withdrawal cach request and they asked me to provide my ID. After that they asked me to step out of my car to see my face clearly. I got clos to the camera and they confirmed the identify my face. And they start processing the transaction. Then, they back again and they told me Sorry we cant help you the system is down. And they didnt give me my money. 

I ask them what should I do they said everywhere system is down and we cant give you your money. 

The Bank address was : XXXX XXXX XXXX XXXX, XXXX, AR XXXX, United States.
Product: Credit reporting or other personal consumer reports

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

Hi, This is regards to Nelnet student loan servicer. I have requested to settle the debt with Nelnet in exchange for the original instrument of indebtedness. This request was initiated on XX/XX/XXXX. Nelnet responded with a letter stating we are unable to make adjustment to my credit inquiry, which I did not request ( see attachments ), It was clear what I was requesting, and they were stalling. Then I wrote another letter requesting the instrument of in indebtedness and I receive an e-mail from Nelnet stating my FORBEARANCE HAVE BEEN APPROVED and I will not have to pay until XX/XX/XXXX, WHICH I DID NOT REQUEST EITHER ( see attachments ) However, I received a statement requesting payment on XX/XX/XXXX. Now, forbearance was forced in place as a stall tactics until XX/XX/XXXX why do I need to make a payment? Again its very clear of my request and they refuse to send the information. 
Then I receive fabricated PROMISSORY NOTE ( see attachments ) from them on XX/XX/XXXX, which is clearly over the 30 days of when I requested the original instrument of indebtedness, which is clearly a violation. I have no idea who those people are on that promissory and the addresses dont even match the zip codes ; in addition, there is no signature on the document. I did not have any legal binding promissory note with Nelnet and the information provided is not factual and fabricated. Therefore, I would like a letter stating this debt will be removed off credit reports as the assumption of debt was never validated and this assumption of debt brought to {$0.00} ASAP, or I will be taking this fabricated promissory note and pursue legal actions and sue for Involuntary Servitude among other things! 
Please keep in mind Nelnet has been sued by the couple of different entities and investigate by the CFPB and being removed from list of provides for student loans because of their unethical practices. Im a prime example of the deceitfulness and wrongful doing. 
I have attached a number of attachments to support this case in, addition ; to screenshots of the when the certified mail was delivered to Nelnet.
Product: Credit reporting or other personal consumer reports

I have an inaccurate account on my credit report and i used the XXXX credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks
Product: Prepaid card

Hello, I am writing to complain against PayPal Inc for purposely limit my account and hold my fund from being accessed. 

On XXXX XXXX, I wrote an complain against PayPal for loading money into my account using PayPal cash card. The problem was solved yesterday ( XX/XX/XXXX, XXXX ) and I was able to loading fund into the specified account. Since PayPal has a limit for loading money everyday using cash card ( {$500.00} per day ) and I have XXXX cards for {$1000.00}, I need two days to finish loading ( yesterday and today ). I loaded the XXXX cards this morning, and wait for the fund to be settled ( according to PayPal, it requires one day ), and several hours later just after my loading, I received an email says my account was locked. It shows apparently that PayPal purposely let me load the money but lock the fund immediately after that before I even have a chance to use it. I called customer service to request my funds back but was told to wait for 45 days for no reasons. This is what had happened. Thank you! 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THD/CBNA Account type - Credit card Date opened - XXXX XXXX XXXX  Address THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Above Account created under THD/CBNA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$5700.00}.
Product: Consumer Loan

I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.
Product: Credit card or prepaid card

I would like the application XXXX to have access to my account but Amazon.com is blocking my ability to enable external applications.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a phone call at my place of employment from a XXXX XXXX calling from XXXX ( northeast Collection Bureau ). He stated that my file was bought by them and am currently {$3000.00} in debt, but that is not the amount I was told in XX/XX/XXXX. In the month of XX/XX/XXXX I was told {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with XXXX XXXX  XXXX XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to CitiBnka, NA ( CBNA ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and it shows KOHLS CHARGED OFF THE BALANCE AND DID NOT SEND 1099 I was attempting to make payments until I saw they charged it off and failed to send me a 1099-c Please have them remove off credit report
Product: Credit reporting or other personal consumer reports

There have been repeated hard inquiries from XXXX XXXX approximately every XXXX months. I have never applied for a XXXX XXXX credit card, nor do I shop there ( ever ). I tried to dispute the inquiries via Experian without success because they tell me to contact the creditor/bank. I contacted the number associated with XXXX, but because I don't have an account, I can't actually speak with someone. When I finally got through to someone, I was told to talk to the credit bureau. Now I'm in a loop where no one is taking responsibility and these inquiries continue on my credit report.
Product: Debt collection

Subject : Debt Validation Request Dear SUNRISE CREDIT SERVICE, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the Equifax data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit, which underscores significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection and safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -
This is not my account.
Product: Credit card

I am writing to register a formal complaint against Citi Bank for the illegitimate closure of my recently opened CitiBank AAdvantage XXXX Credit Card. 

I applied for and was approved for this card at the end of XX/XX/2024. Since receiving the card, I have complied with all terms and conditions and have not received any prior warnings or notifications regarding my account being in jeopardy. Much to my surprise, today-XX/XX/2024-I found that Citi Bank has closed my account without giving any explanation or reason.

When I spoke with Citi Bank today and asked for an account manager, they could not explain why the account was closed. The manager explicitly expressed that the account closure " does not make sense, '' again highlighting that there is no valid reason or clear communication for this decision. 

What makes this even more vexing is that, by the time the card was closed, I had already spent {$7000.00} on it, meeting its spending requirement for the sign-on bonus. This sudden closing seems to be a false and misleading business practice that could also be a CFPA violation under 12 U.S.C. 5531, since it prohibits any act or practice in connection with any consumer financial product or service that involves unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

This act has dislocated my business, disrupted my credit profile, and more importantly, has eroded trust in Citi Bank as a house. What is worse, however, is that without providing a clear explanation or even allowing me a hearing of my alleged concerns, a failure to apply the basic principles of fairness and accountability has occurred. 

I request the immediate reinstatement of my account. It is not only against basic notions of equity but also possibly in contravention of the responsibilities imposed on them by consumer protection laws. In case Citi Bank feels that this closure was justified, I hereby request a detailed reason, quoting correctly any violation or terms on which such an action was based. 

Furthermore, I am asking for : The immediate reopening of my account. 
A complete investigation into the unjustified account closure was in order. Assurance that this incident in no way affects my credit report or, indeed, any business operations. Immediate action to ensure the sign-on bonus I had qualified for. I view this situation as an unfair and deceptive practice that is contrived to deny me benefits under the credit card agreement. I request the CFPB 's assistance in investigating and resolving this matter promptly. 

Please feel free to contact me if further details are required at XXXX or XXXX. 

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

ecently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX & XXXX )