23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 capitol one took {$610.00} out of my checking account without authorizing it with me first. I had auto payments turned off, yet they took out the money anyways. I called Capitol one the same day as the money was taken out, and capitol one told me that i only turned off payments for XXXX month not a series of auto pay payments. So i filed a dispute with my bank and it was denied because capitol one told my bank ( first merchants ) i did Not call in time for the dispute to be approved, when i called capitol one the same exact day it was taken out. I had {$5.00} in my checking account i would not have approved a payment of {$610.00}. It left me negative for a week, adding more and more over draft fees. Now the dispute as also denied and capitol one is not refunding me my money they took without me approving it.
Product: Credit card or prepaid card

Hi CFPB! 

First, very much appreciate you and other pro-consumer organizations. Without you, we'd be powerless ( absent expensive and time-intensive class actions ) to uphold our rights as consumers and Americans. Thank you Next, XXXX XXXX and American Express claimed when I was purchasing a ticket on XXXX that I would " instantly qualify '' for a new American Express credit card, and that when I did, I would receive {$200.00} in credit for a purchase from XXXX within 90 days, which of course happened to include my current purchase, among other benefits. Needless to say, I elected to apply, waited for a few moments, and then was told that I would need to wait weeks for them to process my credit card application. 

But wait. I had agreed to apply to an " instant qualification '', not to a lengthy process. Indeed, the offer was enticing exactly because I happened to be buying a XXXX XXXX ticket at that moment. It also so happens that to obtain some of the other benefits of using a XXXX card, i.e. free checked bags, I have to use that card when making the purchase. Since apparently I did not qualify for instant qualification, I of course could not use that benefit. I don't have any interest in buying a new XXXX ticket in the next 90 days ( and, of course, I didn't receive the actual card until XX/XX/XXXX, and since they say they issued it XX/XX/XXXX, I only have 60 days ), and apparently I will no longer be able to get the benefits of being a XXXX card holder for the ticket I did purchase. 

To make matters worse, in the mail in the interim, I received a MUCH better offer from XXXX, including XXXX miles and {$50.00} statement credit. When I called XXXX to explain that they were dishonest in their advertising, that I did not consent to apply once my " instant offer '' was apparently rejected, that I would not have applied had I known my instant application would be rejected, and that I subsequently received a better offer that I would have applied for, I was told, in effect, 'tough luck '. Apparently, I am no longer eligible for any offers from XXXX/American Express, because I " chose '' to apply for an offer based on false advertising that I didn't want. 

Finally, it so happens that I have excellent credit -- American Express reported that my FICO score from XXXX was XXXX. I thus rightly expected that if anyone were to receive " Instant Qualification or Approval '', I would. Similarly, if someone who has excellent scores does not receive approval, who does? What consumers of people actually get approved? Apparently, nearly 80 % of the country has credit scores 799 and below. If none of those people would qualify, it seems clear to me that advertising " instant approval '' to all consumers is clearly misleading and false advertising, absent clear and obvious disclaimers.
Product: Credit reporting or other personal consumer reports

The List of Key Data Points displayed within my personal payment history below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Payment history rating marked orange for fair. 

Late Payments 30+ Days - 6.

Late Payments 30+ Days Older Than Past Year - 3.

Late Payments 30+ Days in Past Year - 3.

Late Payments 60+ Days - 3. 

Accounts Always Paid as Agreed - 57 %. 

The above Key Data Points reported have violated my rights. 


The following XXXX accounts display as Inquiries under EQUIFAX that i am unaware of & have also violated my rights. 

XXXX XXXX Inquiry Date XXXX, XXXX XXXX  Inquiry Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 


There is also incorrect information displayed under my Account Summary, " Accounts Ever Late - XXXX " I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account and I have funds in it that I sold from crypto. It then became my PayPal balance. Here is what I wrote to summarize : I am respectfully requesting that the hold on my funds/account be lifted immediately. I do not want this account to remain open nor do I want PayPal services any longer. I have previously requested a review/appeal of my case which was denied for some reason which I do not understand. Regardless, I feel that holding my funds for 180 days for some non-fraudulent violation of PayPal Acceptable Use Policy is excessive and an abuse of power, I will be filing complaints with the appropriate agencies on XX/XX/year>, if I am not satisfied with your response to this request to release my funds. 

Please be aware that replying with the standard procedure is part of the terms of service that you agreed to/ will not satisfy my request, or deter me from filing my complaints with the appropriate agencies. I am simply seeking a resolution that is fair and in the best interest of both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from Mariner Finance in early XXXX. Unfortunately I was incarcerated around this time and was unable to make payments on the loan. On XX/XX/XXXX I was still incarcerated but received a letter stating that my account was going into collections, which is understandable. Eventually Im released and on XX/XX/XXXX I called Mariner Finance and spoke with XXXX XXXX XXXX in regards to the letter attempting to collect the debt I owe. I agreed to settle the account and pay {$3500.00}. On XX/XX/XXXX the {$3500.00} was deducted from my XXXX  account and paid to Mariner Finance. The Problem comes when I check my credit report and see that the account is still in collections and still has a balance of {$1000.00}. I attempted to dispute through XXXX but I had no luck it remained the same. I called back on about XX/XX/XXXX to speak with XXXX XXXX, I explained to her that my account was still in collections and I had a balance of {$1000.00}. I asked why and she became very hostile, stating that she is not obligated to explain anything to me. I was taken back because my previous conversation with her was pleasant. So I ended the call and tried other ways to resolve this issue through XXXX. After being incarcerated my personal financial situation took a big hit, but I still attempted to resolve my debt with Mariner finance With the thought that it would repair my credit/credit report also, but that was not the case. XXXX XXXX was polite when I was making the payment to settle the account but never explained to me that it will still remain in collections until paid in full. ( I thought paying a settlement amount actually settles the account ). Why would I make a payment of {$3500.00} to still have my account sit in collections? I feel mislead and taken advantage of by XXXX XXXX, and XXXX XXXX Hostility during our second conversation confirmed to me that she knew she mislead & neglected to inform me of the process & what happens next after I made the payment. I havent yet to receive a letter of payment from Mariner Finance as Promised.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency refused to correct information on my credit report.
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. 

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 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.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances due to initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

From a dispute placed in XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was removed from my credit report. As of XX/XX/2023, on EQUIFAX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I'm in the same boat has many students that attending XXXX XXXX XXXX that defrauded and victimized students that went to the school and now closed. Along with navinet is where my issue starts so I'm in a program with the the DofE thats is going to get my federal loans discharged because of the XXXX XXXX fraud but I have no degree now and why am I still obilgated to pay navient priviate loans back when I have nothing to show for I am.going to get a lawyer for this I feel I should not have to pay anything back when I have no degree now that did not helpe.get my job navient predtory calls people into paying the money back but why am going to pay a company back money when navient is being investigated by the SEC and sued. Navient just reported late payment on my credit report and I feel that that is wrong when I have no degree so I will be disputing the late.payment on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on 09/30/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


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

I do not know who this company is. I do not have a contract with this company. They have never reached out to me about a balance. I have asked for information with my signature and received nothing. This account can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in PROOF to Equifax through certified mail showing That these two accounts Under the name " Ohio Dept Oh Human S '' are inaccurate! 

A closed account CAN NOT! Have a monthly balance this is a direct and obvious violation of the FDCPA. 



Equifax needs to delete these two inaccurate accounts from my Equifax credit report because this is a violation of the FDCPA.

The violation is Defamation, willful injury. Violation of the FDCPA Equifax Information Services LLC refuse to correct information after being provided proof of inaccuracy. 

FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. XXXX COurt of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later.

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change. 

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX received letter dated XXXX/XXXX/XXXX stating that I am being " denied credit '' and my credit line is being reduced from {$20000.00} to {$10000.00} because I am not using the card enough -- please note that government and private agencies strongly urge consumers to keep credit scores high by using the smallest percentage of available credit they can. I did NOT request or authorize any change and assumed fraud. Tried repeatedly to contact card issuer ( CapitalOne ) by phone and was repeatedly cut off by automated system after long holds. Therefore I sent letter dated XXXX XXXX requesting fraud investigation ; attached as " XXXX. '' Company did not respond. Therefore, on XXXX XXXX I again called and this time reached an agent who gave the name " XXXX. '' He then said he was in the wrong part of the fraud department and eventually turned me over to someone giving the name " XXXX '' and the ID # XXXX. I was on the phone a total of 33 minutes beginning at XXXX Eastern time. " XXXX '' confirmed that this change is NOT fraud and that CapitalOne is denying me credit ( as their letter says ; see attachment " XXXX '' ) for " our own business reasons, '' and will be reporting the denial to the credit agencies, thereby harming my credit standing. I have a credit score and a FICO score over 800, partly because I am careful to use the smallest possible percentage of my available credit. CapitalOne is forcing me to use a higher percentage by reducing the credit line and is therefore deliberately and intentionally damaging my credit standing.
Product: Debt collection

This original debt is from a XXXX XXXX utility bill however, I am moved out of my apartment and close the account in late fall of XXXX. XXXX XXXX transfer the account later in XXXX to a collection agency which is when I found out that the account remained open and they attempted to collect on the debt. I notified them that I closed upon my move in XXXX and how I now have a current account with XXXX XXXX account at my new address and that the debt is invalid due to the fact I was no longer residing at the previous location. 

This year, this month, without notification of taking over the original alledged debt This collection company has placed the debt on my credit reports. Although I disputed the validity The credit reported this debt as accurate due to the fact that it has all my correct information. However, the debt is not valid. I have closing papers and moving proof to show I was no longer residing at the previous location as stated, they kept the bill open for several months without closing the account even due to no payment and continue to bill me which to me makes no sense when I have an up-to-date and valid account at my new address/home which is still accurate to this day. 

As you can see on the documents, I am disclosing below. It has my previous address on the closing disclosure on which are closed in early winter XXXX and also documents for the warranty deed when I had the property under contract.
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$750.00} XXXX XXXX XXXX  Acct # XXXX {$200.00} XXXX XXXX  Acct # XXXX {$900.00} open XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$830.00} open XX/XX/XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  is reporting accounts that do not belong to me. History reports late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XXXX XXXX, XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( TransUnion / XXXX / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b XXXX XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX  XXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity stolen and accounts opened in my name and charged up high balances, creditors XXXX  XXXX XXXX, XXXX,, XXXX  XXXX XXXX is trying to collect from me this fraudulent debt
Product: Credit card

Chase Sapphire XXXX was applied for and approved on XX/XX/23, the card was received the night of XX/XX/23. The Chase app stated that the due date was XX/XX/XXXX and the date where it shows the statement close date had - -. I took a screenshot of the app and I called the Sapphire line. The representative assured me that the due date was XX/XX/23 and that it would report no sooner than that. However, the card was reported on XX/XX/23 and reflected a 99 % usage. It was suggested that the first stated period would be in the terms however it is not. The statement said it was a XXXX billing period. I had been told by XXXX representative its always 20 days but that could not be corroborated with any info from Chase. Their site consistently states XXXX days in a cycle. There is no consistency across their cards, my XXXX XXXX had a preliminary billing cycle of 26 days my XXXX XXXX was 20 days. Because of this early and unstated, on both the app and over the phone, the due date with the high credit use dropped my XXXX score by approximately XXXX points as reported by each of the XXXX CRAs. Not one single Chase Credit dept employee could tell me why this happened and no one could point to any information that I was provided that stated the first due date was XX/XX/23. I took a screenshot which I will provide along with the XXXX  showing it was taken on XX/XX/23 of the pain screen for the Sapphire card, no closing date shown just - - and a minimum due date of XX/XX/23. Also attached is Chase XXXX XXXX showing a drop in my score on XX/XX/23 after reporting, my XXXX report reflecting that card report.
Product: Credit reporting or other personal consumer reports

The following Inquiries do not belong to me and a FTC Report was filed. The inquiries were removed from credit reports by XXXX and XXXX. However, Equifax failed to remove the inquiries, which DO NOT belong to me. I am requesting an investigation and Equifax remove the inquiries IMMEDIATELY.
Product: Credit card

In XXXX I discovered my Barclay Credit Card was past due and I had been charged a late fee. I contacted the company and asked if they would waive the late fee and I would set up auto pay so this would not happen again. As a courtesy they waived the late fee and I set up auto pay for the minimum payment due on the due date of the XXXX of each month. This month, XXXX, I scheduled a payment for {$50.00}, then remembered that I already had the auto pay set up so I cancelled the {$50.00} payment. Today I checked to confirm that the minimum payment of {$27.00} had been made only to discover that not only was it not paid, but I was again charged a late fee. I checked my payment settings and confirmed that the auto pay was in place. I called the company to find out what the problem was and was told that when I cancelled the additional {$50.00} payment that also cancelled the auto pay and they refused to refund the late fee. This is an unfair practice. The scheduled payment should not have anything to do with the auto pay. They are set up in different areas of the website. I need your help and can provide documents.
Product: Credit reporting or other personal consumer reports

Im at a loss. I saw inaccurate accounts on my credit report this morning, and I cant figure out how they got there. Checking my credit report is something I do regularly, and I wasnt expecting any issuesbut today, there were inconsistencies that appeared out of nowhere. I even refreshed my browser, hoping it was just a temporary error, but that didnt help at all. The wrong accounts stayed there no matter what I tried. Please, Im begging you to carefully examine the documents Ive sent so I can finally stop living with this constant fear and worry.