23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint Regarding Unfair Account Closure and Charges To Whom It May Concern, I am writing to file a complaint against Capital One for unfairly charging me fees and closing my account after I made efforts to pay off my balance. My account was in good standing with a consistent history of on time payments. The situation has caused financial and emotional distress, and I believe their actions were unjustified.

Details of the Issue 1. Account Closure : Capital One closed my account after claiming a returned payment violated their terms. However, the returned payment occurred due to processing delays beyond my control.

2. Payment Made : Prior to the account closure, I paid {$800.00} toward my balance. {$500.00} one card and {$300.00} on the other card. Despite this payment, Capital One charged me for an overdraft and additional fees after the account was closed.

3. Lack of Transparency : When I contacted Capital One for clarification, they refused to acknowledge how their processing times contributed to the returned payment. When I viewed mu account in the app, I noticed my accounts were restricted. I called the company on December 19th and was told it was closed due to fraud that someone reported. As the only authorized user on the account, and having not reported of credit card being lost or stolen, I was taken aback. They have closed my account without an investigation and giving proper notice.

Why I Believe This Is Unfair The returned payment resulted from a delay in processing, not from insufficient funds or any deliberate fault on my part. The payments cleared with my bank account.

I made a good-faith effort to pay my balance, and the account closure and subsequent fees penalized me unfairly.

Capital One has not provided adequate justification or documentation to support these charges or their decision to close my account. 


Resolution Requested A refund of the overdraft and any additional fees charged after the account closure. 

An acknowledgment of how processing times contributed to the issue. 

A review of Capital Ones policies regarding returned payments and account closures to ensure fairness for other customers. 


I hope the CFPB will investigate this matter to prevent similar issues for other consumers. Please let me know if you need further details or documentation to proceed with this complaint. 

Thank you for your attention to this matter. 

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

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The 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 accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 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 immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Product: Debt collection

XXXXXXXX XXXX has been reporting discharged debt to all XXXX credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with your agency on XX/XX/2023, which referenced two ( 2 ) accounts erroneously being reported on my credit report. As of today, I have not received a response from your agency regarding the dispute results, despite the fact that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to respond to disputes within 30 to 45 days. I would like to remind you that under the FCRA, if a credit reporting agency fails to respond to a dispute within the required time frame, the disputed account must be deleted from my credit report. Given that it has been more than 45 days since I filed the dispute, I am requesting that the disputed account be deleted from my credit report in accordance with the FCRA. The accounts that were disputed are as follows : XXXX XXXX XXXX, account # XXXX. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Collection account from Unknown with account # XXXX and a balance of $ XXXXThe original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

I reviewed my most recent credit report from Transunion and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 


Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

My loan number is XXXX my interest rate is 7 % I have a mortgage payment with Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX phone number XXXX, I am current with my mortgage and on XX/XX/2018 I wanted to pay more to my principal and Escrow to pay more off and their pay buy the internet website does not allow you to pay XXXX to XXXX dollars extra it automatically gives you a message that reads " You can not make this payment due to a balance! '' well thats what im trying to do. I believe this company does this on purpose so they can charge you more interest on the whole balance which is a terrible practice. I also called on XX/XX/2018 to ask if i can buy a point down to lower my interest and they say they don't do this. I want to be able to pay extra on my account like pay on my principal and escrow and be able to buy my interest down if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

To whom it may concern : XX/XX/XXXX  Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Mortgage

I was in formed via letter from the mortgage company in XXXX that I no longer needed to pay PMI {$27.00}. I called the company XXXX as my statement did not reflect the new payment amount. I was told my new payment would be {$510.00} and it will take their system a couple of cycles to catch up. It 's XXXX and I 'm about to make my XXXX payment however my statement still does not reflect the new amount. I have been paying {$540.00} indicating on the payment stub that {$27.00} should be applied to the principle. I called the company today to inquiry and was told they were not applying the funds as I wanted. They were applying the funds to the escrow account because there would be a shortage. I was never notified of an escrow shortage in writing or when I called in XXXX. The company says they can not reverse the payments to the escrow account because of the shortage and I should be paying {$540.00} to cover it. Since I was not notified of the shortage I would like an escrow history. I would like the company to credit me the amount of money roughly {$27.00} a month for XXXX, XXXX and XXXX to the principle. I would like the company to correct any future statements with the correct payment amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inquiry details XXXXXXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX {$4000.00} XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX US DEPT OF EDXXXX {$87000.00} On time XXXX XXXX {$29000.00} On time XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 6 potentially negative months XXXX XXXX - Closed 1 late payment XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 2 late payments XXXX XXXX {$1300.00} Closed 9 potentially negative months XXXX XXXXXXXX XXXX  XXXX {$4900.00} Closed 15 potentially negative months XXXX XXXX {$2400.00} Closed 9 potentially negative months XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX {$1900.00} Closed 7 potentially negative months XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX {$29000.00} On time US DEPT. OF EDUCATIONXXXX {$6800.00} On time XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

My {$1300.00} check has not deposited into my account. I have XXXX children that I have to feed and Im unable to do that because I live paycheck to paycheck and my check did not come through due to system issues at cadence bank. I needed to buy groceries and pay bills. I was supposed also supposed to repay an amount I borrowed from my XXXX  today on XXXX XXXX and now I have missed my payment because of my bank. I have called the bank several times and they cant give me an answer besides its getting worked on. This has caused me stress and is a problem that my money that I worked hard for is not in my account that I NEED.
Product: Debt collection

I've communicated with Gap several times to have the negative reporting removed from my credit report. This card has been paid and closed since XX/XX/XXXX- they are reporting a 30 day late payment but I have not received any information regarding this nor does it show on my report when I was late. 

When I spoke with Gap in XX/XX/XXXX the representative shared that Gap  will not remove the negative reporting on my credit report which seemed to start the timeline of removal all over.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Payday loan, title loan, or personal loan

Due to an emergency we had to try getting a loan and we went through inboxloan. The representatives rushed through the application making sure I signed things quickly by digital means. I even kept asking them if I could pay it off sooner to avoid charges and they said that's easily done. What they neglected to tell me is that to pay off the borrowed XXXX $ would cost me around 200-300 extra if it was paid in 1-2 months! If I stick with their payment schedule which goes for 12 months I would pay an extra {$3000.00} alone in interest and fees just to pay back {$550.00} with interest at over 700 %! I did not get the full details until the contract was signed and the representative pressuring me to sign quickly did not help with the stress of what was already happening. We live in Colorado and I know they have limits for such things but this company wants as much money as they can get and they dont care about the customers as long as they are paying them. How they are allowed to lend with such terms is beyond me and come to find out that they are also a tribal company. This still should not be allowed to continue ignoring laws of current states their customers reside in.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

Date it was open : XX/XX/2015 Amount : {$9300.00} Actions : I have been called multiple times, after being dress I informed them not to call me. They insist on calling me all hours of the day. This that was due to nonpayment of rent, because we apartment I was in had a leak in the roof causing the wall to mold. I have email after email showing that the property manager said that it was going however the issue was never truly take care of. I informed her and corporate that I would not pay my rent until the issue has been resolved due to the fact that the inhabitants was on livable because of the mold. I spoke with corporate on the phone and was told it would be taken care of, however it has not been. Considering it is still on my credit report.
Product: Credit card or prepaid card

A credit card was opened without my knowledge or consent. There were charges placed on this card. I received the past due notification and contacted Synchrony Bank immediately on XXXX  XX/XX/2023. The representative took my information and would not close the account as I requested & did not forward it to the fraud department. When I contacted the bank again today, notes were placed on my account from XXXX  's call but no actions were taken by the representative. This was escalated and the supervisor was very impertinent. I request the following actions to be done immediately. 
*Amend my credit report - My credit was excellent with a score of just shy of XXXX. I lost XXXX points because of this. 
*Receive a call back from Synchrony Bank by a individual who will take action. My phone # is XXXX. 
*Receive a letter of apology from Synchrony Bank XXXX not a form letter ) I believe none of my requests are out of line and are directly driven by this situatuion.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, whose actions have caused me significant financial and emotional distress. On XXXX XXXX XXXX, I opened a PayPal account to manage payments within a personal project. I transferred {$3400.00} USD to my new account, intending to use it as a secure and transparent way to pay for supplies and track expenses. 

However, shortly after, PayPal inexplicably and permanently limited my account, citing no specific violation of their terms and conditions. PayPal has told me that they will hold my funds for at least a shocking 180 days, leaving me completely unable to access my money. This decision is grotesque and unacceptable. PayPal is ignoring its obligations under the Consumer Financial Protection Act, a blatant disregard for my rights as a consumer of their service. 

To make matters exponentially worse, PayPal received a court order from a US judge demanding the immediate release of my funds. In a shocking display of defiance, PayPal has refused to comply, openly violating the law. 

Here are the facts of my case : Account limitation without cause : PayPal has provided zero justification for limiting my account, despite no illicit activity on my part. 
Frozen funds : My own money, {$3400.00} USD, is being held by PayPal with no recourse. 
Contempt of court : PayPal is actively ignoring a US court order to release my funds. 

My demands are as follows : 1. Immediate release of my {$3400.00} USD. 
2. Removal of the permanent limitation from my account. 
3. Transfer of my funds to my external debit card for full accessibility. 

PayPal 's unjust actions and disregard for the law have caused me severe hardship. I urge the CFPB to investigate this incident and hold PayPal accountable for their wrongdoing. I am prepared to pursue further legal action if necessary. 

I am happy to provide a copy of the court order, clearly demonstrating PayPal 's unlawful actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a dispute notifying Experian that XXXX XXXX XXXX AND XXXX was reporting reporting inaccurate and incomplete information : Date of First delinquency is incomplete ( Missing ), Date Closed is incomplete ( Missing ), Date of last payment is incomplete ( Missing ) and the balance is incorrect. Experian failed to modify or delete the account. XX/XX/XXXX, after receiving Experian outcome I resent a letter for reinvestigation informing Experian that the account is still reporting incomplete and inaccurate information ; therefore, the account must be deleted. I received a recent report ( XXXX ) that not only still reports the account with all the inaccurate and incomplete information, but has added more inaccurate information to the report. Status field is inaccurate because it shows a Charged off ( written off ) amount of {$2800.00}, but a past due amount of {$1900.00}. If all that is owed or past due is {$1900.00} then now could {$2800.00} be written off if that is not what is owed. Now we have incomplete Date of First delinquency, incomplete date closed, incomplete date of last payment, inaccurate balance, and inaccurate status. Also, the recent investigation shows that the date opened is XX/XX/XXXX, but the date first reported is XX/XX/XXXX. How could that be. How could you report an account before it was ever opened? 1681i ( a ) ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation XXXX XXXX XXXX has CERTIFIED AND VERIFIED THIS INCOMPLETE AND INACCURATE REPORTING INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The account information listed XXXX # XXXX is inaccurate, and I dispute the validity.