23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I transfered my checking and savings accounts to Capital One about two years ago. I have noticed that they seem to continuously recalculate the interest they pay on checking accounts in order to lower the amount paid for maintaining a checking account. For me, since I only keep a minimal ongoing checking account balance of $ XXXX {$1000.00} after paying/preparing to pay bills, it hardly amounts to any monthly interest ( around XXXX cents/month ). Yet Capital One will inexplicably adjust the amount downwards with no explanation. When I called Capital One, a supervisor told me the interest rate gets calculated depending on an order of transactions. So they deduct any pending amounts -- even if it's for the next month -- to give customers the lowest possible interest payment possible, even if it means retroactive adjustments. While it's a mere pennies for me, this seems like a pretty shady financial practice and, when spread across many customers, seems like a potentially considerable advantage for the bank at the expense of consumers. I am actively looking to change banks after a really eye-opening and disappointing conversation with Capital One.
Product: Debt collection

This debt collector keeps sending me text messages and email. I live on a limited income by the XXXX XXXX XXXXXXXX. Right above federal poverty guidelines. I'm get tired of offers being at my weaknesses. Weather it be a individual 's or business 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX
Product: Debt collection

I have been sued by Portfolio Recovery Associates. this took place during a time when I was under great duress from caring for XXXX XXXX parents. I did not have the time or the resources to question/fight the suit. I have been reading about the current ruling against PRA and XXXX XXXX regarding their business practices and robosigning of law suits and believe I am XXXX of their victims. PRA would call many many times a day and never ever leave a message. the next thing I knew here comes the lawsuit. I believe that the documentation presented to the court was robo-signed and just defaulted to me because I was afraid of being sued so I agreed to a payment plan with strong urging from the " Legal Dept '' at PRA I have attached all documents pertaining to this suit as well as a current letter received from PRA advising me I can ask for copies of documentation ( which I will ) but it 's making me think that this is not a properly documented judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesnt belong to me. I have no knowledge of the account.
Product: Vehicle loan or lease

My ex husband and I had purchased a vehicle in XXXX had it for about a year then had it voluntarily repossessed because we werent able to make the payments right after Bankruptcy. XXXX XXXX XXXX had both of our numbers at the time but kept calling, texting and emailing and wanting their money for the Deficiency balance but I was never given any record of what they sold the car for at Auction, was told it wasnt necessary. I told them to only contact me via email for emergency purposes only because I was tired of the harassment calls. They were only to get ahold of the Ex. At this point it was sent to collections with their Attorney, There was an agreement for the amount of {$10000.00} on XX/XX/XXXX for a payment plan that the ex and I agreed to pay. We signed off on it for the agreement plan and were making payments until he stopped. Two years go by and I hadnt heard form XXXX, The agreement stated we would receive a 10 day notice as of XXXX this notice was sent XX/XX/XXXX for the amount of {$9000.00}. Silent for another two years, there was a writ of garnishment filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no documentation how/who was served, this was not delivered to my address, it showed the debtor to be ex husband only. He never mentioned to me they were trying to go after him so I didnt think anything of it. I was not mentioned as the debtor until XX/XX/XXXX received no notice of anything until XXXX started garnishing my wages 7 years later with no avail from the ex. Now they are trying to get me for {$17000.00} Im a single mom with XXXX XXXX XXXX kids and he should be responsible for half since they are garnishing my wages now. I spoke with the Attorney for XXXX and was told that if XXXX is willing to work with me that all they had to do was send of the proper paperwork to him and he could get the garnishment lifted. XXXX stated that it was their policy and they unfortunately cant get the garnishment lifted that I have to finish out my 6 months then call them back before another garnishment was placed to work something out with them. XXXX also close this case out on my credit report in XXXX of XXXX and stated it was paid and closed. They are not reporting anything on my reports either that Im making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( XXXX, XXXX, Transunion ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2017 to XX/XX/2017, Citizens Bank pulled unauthorized hard inquiries from my credit. I did not initiate or authorize these inquiries. They have negatively affected my credit. There was an inquiry every month for 6 months.I called customer service and there were unable to offer a explanation or solution.
Product: Credit card or prepaid card

Recently I received an overdue notice on my Bank of America credit card, which I thought was strange since I'd set up automatic payments. I spoke with someone by phone who kindly reversed the late fee and interest charges. I asked her how much I had to pay to pay off the card. She told me and I set up an automatic payment. When the funds didn't leave my XXXX XXXX checking account after a couple of days, I checked and saw that the automatic payment had defaulted to come out the following month, XXXX, when my next bill was due -- even though I was already overdue for the current month. So I set up another automatic payment, this time to come out the same day, XX/XX/XXXX. Then I called Bank of America to cancel the card. I'd had enough of this bank. The person I spoke could not see any pending payment. I told him I saw on the website that the payment was being processed and he said that it would be applied tomorrow in that case. 

That was yesterday. Today I received a text about debt collection, saying I was overdue. When I logged in the payment was still in process and there was red text everywhere about how late I was. I called again and was first passed, for some reason, to the fraud department, then to someone in the digital world, who said she couldn't see my pending payment even though I HAD A BANK OF AMERICA CONFIRMATION NUMBER RIGHT THERE ON THE PAYMENT SCREEN. The only way I could ensure the payment would go through would be if I gave her the RTN and account number over the phone, which I did. 

I asked her if by some miracle any of the other payments I'd scheduled managed to go through, would she refund the money and she said yes, she'd refund it to my checking account ( and not the credit card I happily cut in two ). So that's good! In the meantime, I wasted far too much time on this and I'm worried that I've been reported to a credit agency. I don't keep running credit card balances and I recently had a perfect credit score. That needs not to change. I want proof that this late payment has not been reported to a credit agency -- and if it has, I want a correction sent out. 

XXXX XXXX
Product: Credit card or prepaid card

I received fraudulent charges on my PayPal credit account on XX/XX/2022 in the amount of {$4600.00}. I contacted PayPal and they said they would take care of charges that they could see that it was fraudulent activity. They said that they would set up a new account for me and I contacted my bank to change my debit card so that the charges did not go through my bank account. PayPal reversed the charges XX/XX/2022, but when the new account was set up, the charges showed up as transfer balances. I have contacted PayPal almost every week since XXXX to clear this up. They keep telling me that it will take XXXX days to clear up. It has never been cleared up. I have XXXX charges that are mine that I still owe : XXXX XXXX {$210.00} purchased on XX/XX/2022, XXXX XXXX {$16.00} purchased on XX/XX/2022 and XXXX XXXX {$120.00} purchased on XX/XX/2022. On my statements it shows a balance due on this account of {$3400.00}. It is accruing interest and late fees. I have not done any activity on this account since this happened. I had a couple of legitimate purchases that were made through PayPal and paid directly from my bank account. The problem seems to be only on the PayPal credit line. I am hesitant to Pay my balnce because I still have all these fraudulent charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX ref # XXXX, contacting my ex husband telling him they are going to arrest me and put me in jail. They have threatened to have the police come to my place of employment. I do n't know who this debt collector is cause when I ask, they just start telling me they are having me arrested. I WILL NOT pay anything I do not owe. Please make them stop. They have even threatened me in regards to my insurance license with the State of Texas. That is threating my ability to work and make a living.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company and I have made many attempts to get this cleared up Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Product: Credit card or prepaid card

This is a general comment. When I received my mortgage I was quoted a rate and an APR which took into account the fees I was going to pay. This allowed me to compare rates in an apples to apples scenario. 

However, I do n't understand why the same does not apply to credit cards. They promise these XXXX XXXX XXXX XXXX  APR balance transfers but then charge a XXXX XXXX fee or higher. Should n't these fees reflect in the XXXX. It seems like a false advertisement. I am essentially paying them an interest rate upfront they just call it a fee. Then when the promotional rate expires you are paying interest on that fee. 

Seems like an unfair and deceptive practice to me. At least require them to state an accurate APR that includes the fee.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Mortgage

Wells Fargo collect my insurance and taxes monthly in an escrow account. However, they have failed to pay the insurance premium this year after several submissions without any response or explanation. The Policy is now set to expire XX/XX/18 for failure to pay. The policy will not be renewed if cancel due to fire hazard area. The premium will double if they continue to refuse to pay from my escrow account.
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that XXXX is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b
Product: Checking or savings account

I have had multiple transactions from Merchant that Ive disputed. Some approved some not. These were fraud and I have asked Chime to investigate. Nothing has happened
Product: Checking or savings account

On XX/XX/year>, my Citibank account was unfairly blocked. When I contacted customer service, I was informed that they needed to verify my identity by sending a verification code to the mail box associated with my account. However, more than a month has passed, and I have not received the code despite multiple follow-up attempts on my part. 

I have called Citibank customer service several times, but I have not received a clear resolution or a reasonable explanation for the delay. Meanwhile, the account blockage has caused significant inconvenience, such as my inability to make essential payments, rejected automatic transactions, and fees incurred for those rejected payments. This situation has not only disrupted my financial stability but has also caused emotional distress due to the frustration of being unable to access my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I have applied for a XXXX loan advance from uprova.com. I was only qualified for XXXX. Automatically, the system sent me a page go fill my name date of birth and social. Thats the only thing they asked for. And all of a sudden, i saw my payment schedule starting from XXXX XX/XX/XXXX with a {$260.00} every two weeks. After the math, i will be paying XXXX just for the XXXX loan.l ; which is almost 300 % interest. This is just crazy. 
The situation that worsen the case is thar : they never, not even one time showed me any interest opiton or information. This is a scam! This app is a pure scam. Please help me fight against them! I will definitely not paying all that money. They sent a link to sign something but i never signed nothing cause there was nothing to sign
Product: Checking or savings account

My computer was hacked and the people that did it took information from it and used it to withdraw {$750.00} from my son 's savings account in Wells Fargo, of which I am a joint owner, in a wire transfer to XXXX, which was in no way authorized by myself or my son. This happened on XX/XX/XXXX. I called Wells Fargo to report the fraudulent transaction and they opened a case, reference number XXXX, which I obtained with a representative called XXXX on XX/XX/XXXX. After this communication, and seeing that the funds were not replaced as requested by me, I called again on XX/XX/XXXX, and this time I spoke to a representative named XXXX XXXX, who provided me with a claim number for my claim, which is XXXX. This representative, however, indicated me that the amount in question could not be returned to the account due to the institution that received the fraudulent wire transfer did not have the funds to restore the money, and that I had no protection by the FDIC in this case to obtain a restitution of the {$750.00} plus the {$30.00} fee for the fraudulent transfer, even after I provided XXXX with all the information needed ( phone numbers, names and codes ) that were illegitimately obtained to access the account and retrieve the money unlawfully. Finally, I called Wells Fargo again and I spoke with a representative named XXXX on XX/XX/XXXX, which gave me a case number ( XXXX ) to use to refer to my claim, and stated that it was under review and that I would be contacted once the investigation had taken its course. I called Wells Fargo once more on XX/XX/XXXX and spoke with a representative named XXXX who assured me that she would follow up with the case and see if there was something that can be done to restore the funds to my son 's account.
Product: Student loan

I have tried for almost 2 years to get PSLF from my federal student loan provider and have been unsuccessful. This all occurred after my student loan provider switched to MOHELA.

I have submitted forms multiple times throughout the 2 years without any approval, or communication about why it has not been approved. I qualify for forgiveness and they will not give it to me for some reason.

I can not stand dealing with MOHELA anymore. I am a resident physician who works at a nonprofit. I have worked at a nonprofit hospital for 3 years now. There is no reason I should not be approved right away for PSLF.

Every time I try to communicate with the company I never get through or hear back. They never give me explanations on why I am not approved for PSLF. 
I attached my most recent PSLF form below.
Product: Consumer Loan

Hello There, Commercial Loan Office From Rabo Bank Had Contacted Me Her Name Is XXXX XXXX To Refinance My Commercial Property, She Made All Kind Of Promisses Of Course Not A Single One Came Through. 
( 1 ) Loan Amount {$240000.00} ( 2 ) Closing Cost {$1500.00} She ordered The Apprasail {$730.00} I Paid For And Volunteerly Sent Me A Copy Of The Report Witch I 've Never Asked For. XXXX Called And Told Me Oh I Have Thee Best News You Have The Value And We Are moving Forward, Two Days Later She Calls And Said Oh We Only Can Do {$150000.00} NOT {$240000.00} I Go Why She Goes Just Because I Said No Just Return My {$730.00} Appraisal Fee I Have The Value I Have The Credit Its Your Problem Not mine. 

Her Manger Steped in XXXX XXXX And Said If I Move Forward With The Transaction They Will Credit Me The {$730.00} I Said Ok. 

I Was Contact By The Escrow office To Set Up A Signing Appointmet, I Asked Her About All the Term Of the Loan Come to Find Out That I Would Have A 5 years Witch No One Had Disclosed that To Me.