23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

My closing balance in XXXX was around {$3600.00}. My Promotional plan expired and XXXX statement I was charged over {$4000.00} in interest. 

If the XXXX was variable, they did not charge it at the balance from XXXX but my original balance. 

Can I get assistance explaining this to me and negotiating for my balance of {$3600.00}? I just need until XX/XX/year> to pay off the XXXX but an additional XXXX is crazy.
Product: Credit card or prepaid card

Capital one Bank ( Wal-Mart Card ) Back in XXXX of This year, I had lost my Wal-Mart card XXXX I called capital one Bank ( Customer service ) and requested for a new card and they said they would mail me one. 

We'll that new card never got to me. So called again second time ( XXXX ) and was told they would mail me another card. We'll again no card. So, I called the third time was connected to the Fraud Department. They wanted proof that it was me that requested the new card. so, I had to send them an email photo of my driver 's license. We'll did and never heard back from them. So, fourth time called again and was told they couldn't send me a card because they haven't received my payment for ( XXXX ) My payments are due the XXXX of every month ( XXXX ) payment was made. 

Now when I called in ( XXXX ) first time and requested a new card. My account ( Web Page ) had the new card number so when I receive the new card I could activate it and use my account functions ( Web page ) Like making a payment etc. I never received it ( XXXX ) Second card sent and my account again got a new card number couldn't activate it because I never received it. Third time was fraud dept never heard from them. Forth, time I went into my account XXXX things caught my eye. First a late payment for ( XX/XX/XXXX ) and second a new card number. 

That's when I called and was told by a customer service supervisor ( XXXX ) that the computer assigned me a new card number and that they could not send me a new card until I make ( XX/XX/XXXX ) Payment. Say What! We'll they waived the late fee but refuse to send me a new card until ( XXXX ) payment is made. 

Capital-one needs to explain to me why I am being treated this way. I have had this Walmart account along time and never missed payments. I refuse to make any payments until I receive a new card. 
Thank you. 

Home Phone Mobil Phone
Product: Credit reporting or other personal consumer reports

This is my XXXX 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have tried to open an account with the bank of the in Colorado on XX/XX/2019. Only one person knows how to do the account set up and she is always busy. So i decide to open up my account online on XX/XX/2019. Went in on XX/XX/XXXX to deposit my pay roll check and was informed that the account is so new thats not in the system yet. They told me to leave me check in the overnight deposit and it will be in there on the XX/XX/XXXX. I called them on XX/XX/XXXX asking them why my check is not in my account? They said " since you are so new with us we will be holding your check for 9 business days. ". I was never informed that check was going to be held not online or when I was in there in person. I asked them to give me my check back. They said no it's to late its in the system now and it can't be reversed. I said but it's not in my account how is it your system. They said it's just how ower system works and hung up. So im broke and have to wait 9 business days for my money.
Product: Debt collection

I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of 62 harassing emails since XXXX 2015. I have saved all emails from this collector.
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. 

List of Unauthorized Inquiries : XXXX - XXXX TXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Experian credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was published by XXXX XXXX. I sent a letter to Experian disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX District of Ga dated XX/XX/XXXX confirming that they do not report to a credit reporting agency. I received an email from Experian on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX DOB- XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Hello, my name is XXXX XXXX and earlier this year I refinanced my house with a group called XXXX XXXX XXXX. On the first day after closing, I set up automatic payments with XXXX and thought I would be set up for the foreseeable future. A month or so later, XXXX turned the loan over to another company called Provident Funding. I received information from XXXX that I would need to create a new account with Provident and set up payments by XX/XX/2018. The first week of XXXX, I received a letter from Provident stating that I could pay them via check or online. On XX/XX/2018, I set up auto-payments AGAIN and thought I would be set up for the foreseeable future. On XX/XX/2018, I received a call from Provident Funding " about my account '' and asked for me to call them back. Within 24 hours, I returned their call and was in contact with a customer service representative. The representative stated that I was late on payments and needed to pay as soon as possible. Confused, I stated that I set up automatic payments and was expecting a draft within a few days. The representative insisted that I needed to make an ADDITIONAL payment or they would report me to all the credit bureaus. I was confused and frustrated that I would need to make a double payment and insisted to know why. Finally, the representative stated that setting up auto-payments does not cover the initial payment period and I would need to pay for the initial payment period separately. I immediately pulled out my checkbook ready to pay as I have never missed a payment for anything in my life! The man stated that he would be more than happy to process a payment over the phone for a ~ {$7.00} fee. Befuddled, I asked why they would charge me more money to accept my payment. He stated that I could pay online and there would be NO FEES OR PENALTIES. While I logged into my account, I asked the person to hold so there would be no further issues. Upon logging into my account there was an additional {$100.00} fee attached. I inquired what this was for and the representative stated that it would not have been there if I would have paid 3 days prior ( coincidentally the day BEFORE I was initially contacted. ) I stated that I thought the {$100.00} fee was unfair and I would be happy to make two payments today, but thought an additional {$100.00} was unfair and, frankly, unreasonable. The representative showed no compassion and stated that they would do nothing for me. I asked to speak to his manager and received the reply of, " I am the manager, there is nothing I can do. '' This was altogether one of the worst experiences I have ever had with ANY lending company and I am ashamed to say that I am having my loan served by Provident Funding. I hope that the CFPB can encourage better, more ethical, and less predatory fee practices from Provident Funding, or at very least, increase their communication to their customers to avoid unnecessary fees. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX I owe for not turning in the equipment I had. XXXX are the ones who sent me the return label and box so they should have that tracking information on file. I dropped the box as it said too and I left because the place was busy so I dropped it off to be returned. XXXX should have that information on file to check to see if they got the phone. I should only owe for the last bill and that is it. EQUIPMENT WAS RETURNED. ONLY WAY IM PAYING THIS ... .IS IF THEY CAN GET THE EQUIPMENT ISSUE SITUATED AND THEY AGREE TO REMOVE FROM CREDIT REPORT.
Product: Mortgage

On XX/XX/XXXX I sent a check # XXXX in the amount of {$22000.00} to PHH Mortgage to pay off my mortgage in full ; I used their own online payoff calculation tool to get to that number, I even included an extra five days to cover any mailing delays. On Monday the XX/XX/XXXX I received a form letter from them and my returned check stating that " Certified funds are required for payoff. '' It seems ironic that over eight years I sent them over 90 personal checks that were always perfectly acceptable to them, not a single check was ever late or overdrawn, I have a perfect record with PHH. This is some sort of a scam or a hustle to prolong the loan by a few more weeks in order to continue to bill a consumer for phony interest charges. This game of theirs cost me an additional {$37.00} in interest and an additional {$25.00} charge by PHH to process the wire transfer. {$62.00} may not seem like a lot of money to you, but if this is their business practice and they are doing this to thousands of consumers then the numbers do continue to add up ; much like XXXX XXXX and XXXX this is a dishonest and deceptive business practice. PHH should be inspected and fined for its business practices. 

BTW ; I made three separate, lengthy and highly frustrating phone calls with PHH before filing this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I think the interest on this loan is excessive.to date I have repaid XXXX on a XXXX loan and they are saying that I still owe XXXX dollars more.in addition I suspect I was charged interest on a payment that they reversed to me.
Product: Payday loan, title loan, or personal loan

I took out a loan from Loan At Last for roughly {$500.00} almost a year ago ( I believe XX/XX/XXXX orXX/XX/2018) and have been getting $ XXXX taken out of my bank account every two weeks ever since. The interest on this loan is near or exceeds 800 % at this point which exceeds the usury limit for Massachusetts. I would like this company to stop pulling money out of my account and to refund me the interest I have been paying for almost a year now. I have had about $ XXXX in total taken out of my account for a {$500.00} loan. Please help
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX XXXXXXXX due to incorrect charge off against me. Experian denied to follow up with investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of a personal loan. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I'm very concerned about this late payment on my account, as I've always been punctual with my payments. Please correct this error and remove it immediately.
Product: Checking or savings account

This year, I attempted to close my Bank of America ( BofA ) XXXX XXXX Banking checking account. BofA demands that accounts must be closed over the phone- in XXXX, I called a BofA representative who ensured my account balance would be transferred to another BofA checking account and this account was closed. However, after receiving a $ XXXX monthly maintenance fee on this account in XXXX, I called BofA a second time to ensure my account would be closed. To this day, I'm still receiving the $ XXXX monthly maintenance fee and the account isn't closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with First Bank PR, was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( XXXX, XXXX XXXX XXXX ) until XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. 

FirstBank, after this XXXX dispute, updated both XXXX and XXXX report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? 

The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. 

I disputed this issue with both XXXX and XXXX asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. 

I believe that FirstBank Puerto Rico is trying to unlawfully extend the time that this account stays on my credit report and that XXXX and XXXX is not investigating my dispute correctly. 

I contacted First Bank in XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. 

I have attached to this complaint the following documents : - XXXX Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of XXXX account showing that the date of first delinquency is XX/XX/XXXX. 
- Screenshot of XXXX payment history under this account which shows that I started missing payments since XX/XX/XXXX. 
- Letter submitted to XXXX when this information was disputed. 
- Payment history document received from First Bank in XX/XX/XXXX - Letter with response from First Bank stating this date is correct even after I sent them all the documents that prove otherwise. 
- Dispute results from XXXX stating that the information on my credit report was correct.
Product: Money transfer, virtual currency, or money service

ISSUE : PayPal is holding my money, denying any attempt to release it. This is involving my business account. I have not had any complaints from buyers or have not sold any service that is unacceptable. There is no fraudulent violation in this case.

I am not the first one that this happened to in my family. We have dealt with PayPal before unsuccessfully. Attempts to resolve any issues are very hard and time consuming since their representatives are very mean, they try to make you guilty for putting the account in the state it is. Any requests to speak to managers or higher up people who are likely to help are denied. Chat support is useless as they can't help with anything regarding fund holds.

This is our living money and it is unacceptable. It is abuse of powers to hold the money I feed my family with. I have two little children that depend on me. Having to deal with PayPal begging them for MY money that I earned is emotionally draining and is affecting my health ...

SERVICE INVOLVED : Regular business PayPal account AMOUNT : {$4600.00} NOTICE OF FUNDS HOLD : XX/XX/2019 SERVICE AGREEMENT : was acc

epted during account creation but I have not read it fully I HAVE CONTACTED PAYPAL personally in an attempt to release my money and was told it's impossible. I have had my lawyer mail them a letter requesting reasons for hold and requesting to release the money. We have not heard anything from PayPal since th
e letter was mailed in XX/XX/XXXX.
Product: Mortgage

Ocwen Loan Servicing has not paid our Home Insurance that was due XXXX XXXX, 2015. They collect for and escrow the money for it in our monthly payment it. My insurance Co called and said they would cancel the policy if not paid in XXXX days.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my credit report immediately. It is hurting my ability to obtain credit.
Product: Credit reporting

I closed a credit card account I had with XXXX ( XXXX ) in XXXX XXXX. The amount due was paid in full on XXXX/XXXX/XXXX. More than XXXX days after the account was paid off I received a postcard from XXXX indicating that a balance of {$5.00} was more than XXXX days past due on the account. While I did not agree with this, I went to XXXX to see about just paying the amount since it was so small. The employees at XXXX indicated that the account had a XXXX balance and even if I gave them the money they did not know how or where to apply it. I was told " not to worry '' and that there was nothing due. 

XX/XX/XXXX I obtained a copy of my TransUnion credit report and was shocked to see that the account had been reported as an adverse account with the {$5.00} reported as more than XXXX days past due. I again went to XXXX and showed them the item on my credit report. I was again told that it would be taken care and the past due status would be removed. 

Several months went by and the past due status remained on my credit report. I then filed a complaint with Consumer Financial Protection Bureau ( CFPB ) in the XX/XX/XXXX as I was led to believe that it was TransUnion that was not cooperating with XXXX in removing the adverse account status item. The complaint I filed with CFPB resulted in the adverse account status item being removed from my TransUnion report. At this time I thought the matter was closed. However, it is not! 

XX/XX/XXXX I obtained another copy of my TransUnion report. The report shows that someone from XXXX requested a copy of my credit report on XXXX XXXX, XXXX ( without my consent and for no legal reason as I owe them no debt ) AND the closed account is again being reported as an adverse account. Additionally, XXXX changed the alleged late payment date from XXXX XXXX to a new date of XXXX XXXX. 

I have attached copies of my XXXX XXXX and XXXX XXXX credit card statements as they may also be helpful in the matter. 

I am once again seeking to have the adverse account item removed again, from all XXXX of my credit reports. I have never had a late payment with XXXX in all the years I banked with them and am finding it hard to believe that they are doing this to me, which is starting to look like harassment. The adverse item status they are reporting has also caused my car insurance rate to go up ( along with my XXXX XXXX! ).
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 unde

r 15 USC 1681. 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.