23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm making claim that Portfolio Recovery Associates in regards to alleged debt [ Account Number XXXX Balance : XXXX ] has violated my rights as a consumer and has failed to comply with provisions of the subchapter { 15 US Code 1692 }.

And in { 15 US Code 1692 ( k ) } ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

So since I have been greatly injured and has cause me and family great harm ( in attached documents you can see violations and other forms of injury ) by law I that shown above I'm entitled to remedy so I demand that all information be removed from my credit file and all schedule fees due to me be paid in full. My invoice was enclosed in the affidavit I sent to them and it is attached as well. My Mailing information was also in affidavit so they can send payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did a dispute through equifax and asked for a specific proof on an account they investigated it but no one had what I asked for according to the fcra guidelines they have to show it I asked for the original signed contract for the credit application and for the copies of all the cashed checks used to pay the account I recorded them today XX/XX/2020 saying they dont have it
Product: Debt collection

CKS financial, took me to court for a XXXX, XXXX dollar small claims in XXXX county magistrate court. I called the prosecutor and I was advised to turn in my 100 % XXXX paperwork and I did, but they will not stop harassing 's me with lawsuits. Please advise.
Product: Debt collection

Today,  XXXX / XXXX /  XXXX  ,  Portfolio Recovery Associates  called my supervisor 's private line  ( a number not publically listed ) and asked for me by name. She told them that they had the wrong number, which is accurate. She is not me. I have no idea what the call was pertaining to, but I googled their business name and see that they have a reputation for pulling these shenanigans on many people. Whether or not I actually owe them or someone they collect for is unknown, however, when my supervisor asks me if I know who they are and that they called her asking for me, I was mortified and completely humiliated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit card

Discover card is informing customers that when they do a balance transfer in addition to normal purchases "... minimum payments are applied to balances with lower annual percentage rates first. Any amount paid above the minimum payment will generally be applied to balances with higher APRs. '' However, they are also not accurately relaying " If you usually pay for purchases in full each month to avoid interest, transferring a balance will change that.You will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date. '' So, what is happening is a customer will pay their minimum payment plus their entire purchases balance, but Discover will still charge them interest on that purchase balance, one that has just been reduced to {$0.00}. 
I do n't believe it is fair to charge people interest on a balance they have reduced to {$0.00} for that statement. 
An example {$10000.00} balance transfer with 0 % promo APR. Normal purchase APR of XXXX % ( for simplicity ). If a person makes {$1000.00} in purchases and has a minimum payment of {$200.00} for that month, and then they pay {$1200.00}, they will have a {$9800.00} balance remaining on the balance transfer, {$0.00} on their purchases balance, but Discover will still charge them {$100.00} ( 10 % ) for the {$1000.00} in purchases. 

It ca n't be right for people to be charged interest on a balance that is being reduced to {$0.00} on time and never carried over into another billing cycle. My situation was taken care of ( {$20.00} refunded. I caught it quickly ), but people need to be better warned when taking on a balance transfer. What if someone made a massive purchase with a high APR expecting to pay it off that same month when they had a balance transfer balance? They 'd get hit with instantly accruing interest not even accruing over at the billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX 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.
Product: Credit card or prepaid card

On `XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts. Before they were closed, I had a significant amount of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on this.
Product: Mortgage

RoundPoint Mortgage Servicing Corporation XXXX XXXX purchased Lender-Placed Hazard Insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX said the XXXX Policy Number XXXX is not valid. The XXXX Policy Number is found in the Mortgagor 's Notice of Insurance ( Evidence of Insurance Coverage Placed ) from RoundPoint Mortgage It shows XXXX XXXX as the insurance company. I have contacted XXXX XXXX XXXX and RoundPoint Mortgage many times without resolution. 

For further information see complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I have spoken to Equifax.XXXX  and XXXX on multiple occasions to delete previous addresses and also known names removed from off my consumer report, But there has been NO removals, If you all cant help me I will get my Lawyer Involved. 

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 card or prepaid card

I asked for a balance transfer to my XXXX XXXX account from first bank. They offered me a transfer rate of 0 % until XX/XX/2021. Somewhere in very small print was written that theres a 5 % fee which I did not understand at all or see, because this was an application that I did online. 

I took a month for them to send me the actual card, and I couldnt sign on and see what was going on. Finally after calling them they sent me the card and I managed to sign up online to look at my account And I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
and I see they charged me {$410.00}, for a balance transfer of {$8300.00}. 
If I had known that this was the amount I would never have done a balance transfer, because essentially whats happening is they charging me a 5 % interest-rate to pay this off within a year, not a 0 % interest rate which was what I was understanding Due to the fact it took almost a month for me to get the card and be able to sign-on and look at the details, theyve already sent the transfer to my XXXX XXXX account and charge me the {$410.00} I would like a refund of that {$410.00} because it was completely misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans was sold to FedLoan ( unbeknown st to me ). I 'm curren tly in forebearance and will be until  XXXX / XXXX / 17 , howeve r, FedLoan ha ve started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Product: Money transfer, virtual currency, or money service

I was in a Debt Consolidation program with XXXX XXXX, which they used Global holdings to debit all monthly payments. 

I completed the program and was due a refund in the amount of {$810.00}, check was issued through Global Holdings on XX/XX/2022. 

Wednesday XX/XX/2022 I received notification that mail was coming through the Informed Delivery through the United States Post Office, which tells you all the mail that is coming to you. 

I have waited for the check and nothing came. So on today on XX/XX/2022, I called Global Holdings and inquired about the check. I informed the XXXX at XXXX XXXX, that I received notification on Wednesday XX/XX/2022 that a check was coming. I explained the Post office sends notification on mail coming and that they scanned in the mail. I explained what is alarming to me, is that on the envelope it says " Payment Enclosed '', and that is letting people know it is a check inside. The lady said they do not put " Payment Enclosed ' on the envelope and I said yes you do. She said maybe the post office did not. I said this is coming from your office. 

I stated this is not safe to do, if you are issuing refunds and this is letting other know it is a check enclosed. I asked for a stop payment and she said she will place a stop payment and have them to deposit the funds to my account. I said this should have been done in the first place instead of a check. Then proceeded to tell me, I will be charged a stop payment fee of {$17.00}. I said the company placed on the envelope " Payment Enclosed '', which tells people it is a check inside. I am not sure what happened after the post office scanned it in, but Global Holdings never should place " Payment Enclosed '', when issuing a refund. That should be discreet as people are not honest in returning mail to the rightful owners. I should not be charged a stop payment fee if {$17.00} for mail they should have been discreet about. So, yes I am upset.
Product: Bank account or service

I tried to open Santander Bank Checking account again - may be i will get different questions to go ahead with the application or simply call the customer service to go ahead. But I am not able to open the account second time also. I was provided very very difficult questions to answer and that too in less than 10 minutes ( XXXX seconds time counter going on ). Is this bank really want to do the business??? Why so much difficult questions. I called upon Customer Service and talked to XXXX at XXXX to XXXX XXXX but he was also not of much help. Finally as a fall back option - I uploaded my Arizona Driver 's license and XXXX statement - XX/XX/XXXX statement but end of the day - my application was declined. XXXX told me that if in case i am travelling to North east - i can visit the branch ... .so do they expect people to fly down to their branch just because they have created totally useless and terrible Account opening module? Moreover I am not opting for overdraft protection - so why they need to so much extra vigilant in terms of identity protection ... it 's good to have identity protection to make sure somebody does n't steal your identity but if it is coming in the way of genuine and real folks ... then it 's a big problem ... i was able to answer all the questions that XXXX asked ... then why i am not able to open the account? I am in this country since XX/XX/XXXX and changed locations also. This kind of process is just too much unfair for people like me ... .why do they expect that i remember all the phone numbers for the last 15 years? Why do they expect that i should remember which credit card i had it and on what month and year? why do they expect that i should remember when my loan got closed?? Is n't it too much??? where is the limit???? this is ridiculous by every means and that too they are pressurizing the customer to answer and remember everything in less than 10 minutes otherwise you are declined. They declined my application ( i got the email immediately ) even without seeing my driver 's license and Bank statement ... .You ca n't be so so tough on anybody ... .this is absolutely ridiculous and nothing else. And if they had to anyway decline my application - why they collected all the information at the first place??? Why they wasted my time ... almost 20 minutes to work on this process of opening the account??? why not this verification process at the very start of the account opening process? Moreover how secure is my information that i have provided to them ... this is PII data - how they are protecting my identity after collecting this information from me.
Product: Credit reporting or other personal consumer reports

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan care is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.
Product: Credit card or prepaid card

On XXXXXXXX XXXX Synchrony bank closed my sams Club Mastercard with no notice, within days of that they also closed my JC Penny Card and Lowes Card also without notice. 
They stated that they thought I was going to not pay my accounts. I should note that I have NEVER missed a payment or been late and usually my cards are paid in full by the due date. All of the above cards have a ZERO balance. They are refusing to pay the approx XXXX in cash back they currently owe me stating that because they closed the account that cash back is FORFEIT By closing those accounts they reduced my available credit almost XXXX and caused an 80 point drop on my credit score.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 called ACS for a student forbearance information relayed to me was my loan was being sold to navient that my request can not be granted until the transition period is over and the new loan company has my files. It's in my report that the my loan has delinquencies of late payment. Accountability has not been acknowledge by irther party both loan offices are stating that during transitions the request of a forbearance was not granted and will be applied retro active. My student loan is still showing up as delinquencies of payment. ACS student loan has not fix the account. It is effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Credit card

I've always made sure payments are on time for this account, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Checking or savings account

I was involved in a XXXX accident on XX/XX/XXXX. This resulted in XXXX XXXX issuing a total loss payment in the amount of {$24000.00}. I have no complaint with XXXX XXXX. I received that payment and deposited it with US Bank on XX/XX/XXXX. On that date, I was provided a " Notice Of [ sic ] Hold '' document stating that {$24000.00} of that amount would be available on XX/XX/XXXX. I attempted to get a cashier 's check this morning ( XX/XX/XXXX ) and they declined, saying that the funds were on hold. They then provided me with another " Notice Of Hold '' document stating that the amount of deposit was {$24000.00} of which {$5300.00} would be available on XX/XX/XXXX, and the remaining balance of {$19000.00} would be available on XX/XX/XXXX. I did not make a deposit today ( XX/XX/XXXX ) for the amount of {$24000.00}. The new notice of hold is for 16 business days after the original deposit. 

Based on the original " Notice Of Hold '' I made financial plans to purchase a new vehicle today, XX/XX/XXXX. If I had written a personal check instead of seeking a cashier 's check, I would have bounced a {$24000.00} check which would have had severe consequences for me, especially considering it would have occurred on a down payment for a substantial loan. In addition, I had made vacation plans to visit people in other states that I will now need to cancel due to the fact that I am not able to purchase the vehicle today. This is all based on the XX/XX/XXXX original " Notice Of Hold ''. 

I attempted to speak with the branch twice and US Bank customer service on multiple occasions this morning and I was told that the teller was new and made a mistake. They apologized, but did nothing else after repeated attempts. They apology echoes hollow without any effort on the bank 's behalf to resolve the impact their errors have had on me and will have over the course of the next few weeks.
Product: Mortgage

Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX