23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid my Capitol One bill when the app told me the bill was due. This was {$62.00} on XX/XX/24. I was charged a late fee of {$40.00} on XX/XX/24. When I went to pay, as I normally do, on XX/XX/24, it said my account was past due. There was no amount listed, but I paid an average payment of {$60.00} since i didn'tknow the amount. I started getting notifications that I was still past due. I paid another payment of {$100.00} on XX/XX/24. When I called to find out why I was considered past due and charged a late fee, I was told I paid the XX/XX/24 payment 1 day too early, so it didn't count. My account stated the payment was due, so I paid it at that time. There was nothing stating it was too early. I have been paying this card every 4 weeks for the years I have had the card. I also have another Capitol One card I pay at the same time. There have never been any issues. I believe it is fraudulent to charge a late fee for an early payment. When I talked to XXXX at Capitol One, he told me I get a late fee for paying too early and I shouldn't have paid the payment on XX/XX/24 since there was no amount listed as due. He stated I should have ignored the past due notice and texts I was getting. I believe this is so they could charge another late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious. I have been dealing with this credit situation since XX/XX/XXXX. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. XXXX sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

Experian never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.
Product: Debt collection

My information was shared with another company without my consent. 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices : Purpose The FDCPA was created to eliminate unfair, deceptive, and abusive debt collection practices. It also aims to ensure that debt collectors who don't use abusive practices aren't at a competitive disadvantage. 
Definitions The FDCPA defines key terms, including : Bureau : The Bureau of Consumer Financial Protection Communication : The act of conveying information about a debt to any person, directly or indirectly Consumer : A natural person who is obligated or allegedly obligated to pay a debt Creditor : A person who offers or extends credit, or to whom a debt is owed Validation of debts Section 1692g of Title 15-Commerce and Trade covers debt validation. It requires debt collectors to : Include the creditor 's name State that the debt will be considered valid if the consumer doesn't dispute it within 30 days Provide the consumer with the original creditor 's name and address if requested within 30 days Stop collecting the debt if the consumer disputes it or requests the original creditor 's name and address
Product: Mortgage

XXXX XXXX XXXX failed to post my mortgage payment. I was notified via telephone by an agent of Walled Lake Credit Bureau , LLC, that I was delinquent on my mortgage payment and they demanded payment. I contacted XXXX and found out that they had made an error on posting my payment. The matter was cleared up. I again received phone calls by agents of Walled Lake Credit Bureau demanding payment. I explained to them it was a banking error on the part of XXXX. They refused to accept this explanation and demanded payment. On the next phone call and every phone call afterwards, I disputed the debt and requested copies of their records substantiating this alleged debt. They refused to provide anything. I received correspondence via US Postal Service from Walled Lake Credit Bureau ( WLCB ) LLC, XXXX XXXX XXXX XXXX, Collection Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX stating that I was delinquent on my mortgage payment and they were demanding payment and penalty fees. I again contacted XXXX and again they told me that I was current and had no idea why these people were continuing to harass me. On every notification I received from WLCB, I immediately responded in writing that this Debt was " in dispute '' and requested copies of their documentation substantiating their clients claim. Each and every time, they refused to co-operate and send me my requested copies of their records. They kept telling me to take it up with the client ( XXXX ). Each time I contacted XXXX, they stated that I was current and had no idea who or why these people were harassing me. This practice continued for several months. On XXXX XXXX, 2015, I sent WLCB, LLC a letter notifying them that I believed they were violating my rights and that they are dealing in bad faith. My letter clearly stated : " I need to hear from you regarding this matter so I can bring closure to this matter. If I do not hear from you, I will be forced to exercise my lawful rights. '' To date, they have failed to respond.
Product: Credit reporting or other personal consumer reports

My account with 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 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.

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 reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which limits the circumstances under which a credit inquiry can be made.

Under 15 U.S.C. 1681b, a credit inquiry can only be made under specific conditions, such as : I applied for credit or a loan.

I consented to the inquiry in connection with employment or other transactions.

I did not authorize these credit inquiries, and therefore, they must be removed from my credit report. If the companies that made these inquiries can not provide proof that I authorized them, they are obligated to remove the inquiries in compliance with the FCRA. 

Legal Precedent Supporting My Rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirms that credit reporting agencies must follow reasonable procedures to ensure the accuracy of credit reports. Unauthorized credit inquiries violate this standard of accuracy. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Inaccurate reporting, including unauthorized inquiries, is a violation of consumer rights and can be seen as harassment under the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with 15 U.S.C. 1681i, I am exercising my right to dispute the accuracy of these inquiries. I request that you initiate an investigation and ensure that the credit reporting agencies verify the legitimacy of these inquiries. If they can not provide documented proof of my authorization, the inquiries must be removed from my credit report. 

Credit Inquiries in Dispute : Please provide me with a copy of the documentation or proof of authorization for these inquiries. If this information can not be provided, I expect the immediate removal of the inquiries, in accordance with the FCRA.

What I Am Requesting : Verification of each credit inquiry listed above.

Removal of any unauthorized inquiries from my credit report. 
Written confirmation that the unauthorized inquiries have been removed. 
Thank you for your attention to this matter. I trust that the CFPB will ensure compliance with the FCRA and ensure that my rights are protected.
Product: Mortgage

We ordered a broker price opinion to check if we can remove PMI. We got the XXXX and the bank sent me a letter saying based on my new home valuation the new Loan to Value LTV is 76 %, however that is not good enough to remove PMI. Based on your website, PMI should be removed at 80 % and must be removed by 78 %. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was confirmed to me that me personal information ( SSN, DL info, DOB, etc. ) was part of a data breach of equifax 's system. I feel they are not only negligent in their lack of safety measures to prevent this from happening but were not quick enough to reveal this to their customers which also allowed senior executives to divest their stock. Which we are supposed to believe happened by coincidence and nothing illegal occurred.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for knowingly reporting false and inaccurate information on my credit report and failing to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).

Violations & Legal Concerns : 1.Incorrect Late Payment Reporting Violation of 15 U.S.C. 1681i A late payment has been falsely reported on my account despite my verifiable records proving on-time payments.

I disputed this error, but the credit bureaus failed to conduct a reasonable investigation or provide legally required dispute results. 
Legal Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. Their failure to do so is a clear violation of the FCRA, exposing them to statutory damages of up to {$1000.00} per violation, plus punitive damages and legal fees if pursued in federal court.

2.Fraudulent Charge-Off Date & Balance Reporting Violation of 15 U.S.C. 1681s-2 An account that was charged off in 2020 is now being fraudulently updated in 2025 as a fresh charge-off with an active balance, which is factually incorrect and a blatant misrepresentation of my credit history.

This misreporting is materially misleading, negatively impacting my creditworthiness and violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting false or outdated information.

Legal Violation : The credit bureaus are failing to uphold their duty to report accurate information under 15 U.S.C. 1681e ( b ). The continued presence of this erroneous charge-off could result in a lawsuit seeking actual damages, statutory damages, and punitive damages under 15 U.S.C. 1681n.

This complaint serves as formal notice under the FCRA and FDCPA. If my rights are not upheld, I am prepared to file suit in federal court for willful noncompliance with 15 U.S.C. 1681n, seeking damages, attorney fees, and potential class-action remedies.

I expect a prompt response and full compliance with federal law, accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : TransUnion 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 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 XXXXXXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( 2010 ) and XXXX XXXX XXXX XXXX ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX ( DOB :XX/XX/XXXX SSN # XXXX ). As ofXX/XX/XXXXlast month I reviewed my credit report and a Capital one credit card account unauthorized by me. This account is listed as an primary user in my name which I have absolutely no knowledge of!! I've contacted Capital one several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Capital card ( XXXX ) that was opened onXX/XX/XXXX. I was XXXX XXXX XXXX. This card has caused problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action
Product: Mortgage

Mr. Cooper my mortgage servicer is practicing pre-accrual and has been for many years. I called and asked them to correct this on XX/XX/2022 by performing an escrow analysis, and even cited the statute. 1024.17 ( c ) ( 6 ) Restrictions on pre-accrual. A servicer must not practice pre-accrual. I was advised by my mortgage company I still had an escrow shortage. I believe Mr. Cooper is also in violation of 1024.17 ( c ) ( 1 ) and they will have more than a XXXX cushion at year end in my escrow account. Annual escrow : {$6200.00}, XXXX amount {$1000.00} ; XX/XX/2022 current escrow balance {$1700.00}. My monthly escrow payment is {$560.00} x 10 months= $ XXXX $ XXXX $ XXXX $ XXXX cushion at year end {$1200.00}. 

The amount sufficient to pay is computed so that the lowest month end target balance projected for the escrow account computation year is XXXX ( XXXX ) My homeowners insurance is due in XXXX for {$1800.00} Escrow balance XX/XX/2022 $ XXXX $ XXXX {$2700.00} Taxes due XXXX {$3600.00} XXXX Escrow balance $ XXXX $ XXXX {$760.00}
Product: Credit card or prepaid card

Credit Karma said that I was pre-approved for a credit card, which, after I applied, was denied as I didn't qualify. The resulting hard check on my credit history hurt my score, and of course, the application process wasted my time, as I was not in truth pre-approved.
Product: Credit card

sun coast credit union used my social security number to run my credit, to be approved for a secured credit card which is when I use my own money in savings to have a secured credit card. there is no financial loss nor possibility of loss to the bank, the bank did not loan me money they are using my own money in the savings account to give me a credit card. 

I am reaching out because I just discovered I aim being charged interest and APR on my own money. 

this is illegal, as finance charges and interest apply to money they are loaning out for a credit card, but it is my money and they used my social security number to get access to the federal reserve with my social security card. 

this was deceptive, there was no need to run my social to get access to reserve because it is against the cash I have in the account, this was illegal. 

the money I deposit was XXXX  the secured card is XXXX  finance and cash can not be mixed together
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802. 

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both. 
( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
(

15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Debt collection

They did not remove the debt against home after it was discharged in bankruptcy for Chapter XXXX over 2 years ago. Have sent letter asking to vacate the credit card debt lien from home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Equifax  A letter asking for their method of verification for a bankruptcy reporting my report. I ask for all supporting documents From the Furnishers verifying this information from their investigation and The name of the courthouse and the name of the person from courthouse to verify this information. They didnt send me this information I asked for. I will include the letter they sent me back. Please help me get this information from EQUIFAX.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an unrecognized charge on my PayPal Credit account. It appears to be related to XXXX gift cards. I have made no such purchase of any XXXX gift cards at all or any XXXX services in this amount. I filed a dispute with PayPal. They denied my claim without telling me what exactly the item is, they are basing the decision by an algorithm apparently. Here is the info of the item : Here are the details of the one or more activities you didn't recognize on your account : * Gift address added * Gift address added Here are the details of the one or more transactions you didn't recognize or had issues with : * Transaction ID : XXXX * Transaction amount : {$54.00} USD * Recipient email : XXXX XXXX