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

I am XXXX XXXX, I am a customer of PayPal with email address as XXXX Recently about 24 days ago PayPal to lock my account and asked for ID card bank statement and proof of address in order to unlock it. 

I have submitted the requested information but it's taking forever for PayPal to unlock my account and because of that I am laying this complaint for PayPal to fix things right for me and I'll remove this complaint as soon as my account is unlocked
Product: Credit card or prepaid card

Just want to clear something up you say in your letter During a conversation with us while you were in the store, you passed our Fraud verification process and verified the charges were legitimate. Can you please provide the physical evidence I was in the store. You are accusing me of something which Im fine with Please prove I was in the store at the time. Like I said before you WILL respond whether you like it or not and I will not stop writing letters until I get every single detail. please provide proof/evidence I was in the store at the time.
Product: Credit card or prepaid card

I made a purchase from JC Penny on XX/XX/2022 and was billed for payment due on XX/XX/2022. I thought that by law billing payment cycles are at least 21 days. I paid the bill because I didn't want to have a late payment on my credit report. I also read Synchrony Bank terms for credit card holders and it quotes that billing cycles are from the XXXX to the XXXX of the month, or from mid-month to mid-month. ( Your credit card statement will outline the billing cycle and terms. ) are XXXX thru the XXXX of the month.
Product: Credit reporting or other personal consumer reports

Hi So this company XXXX XXXX XXXX XXXX XXXX XXXX did fraud on me
Product: Credit card or prepaid card

I always pay on time following receipt of paper statement. XX/XX/2020 's statement not received ( Covid Issues perhaps incurred by CITI ). AS a result, and following collection calls beginning, payment made 5 days late. Late Fee Assessed by CITI - disputable. Fast Forward to XXXX, LC balance not paid ; CITI assessed a second late fee for the first unpaid late fee and claimed original late fee as " deferred interest purchase. '' Called today, they stated the missing statement is not justifiable for being late on a payment. Would only waive the second late fee, but not until I paid the first late fee, XXXX  out the account ( predatory and bad debt collection practices ). 

I work in the XXXX XXXX/XXXX XXXX. We are not allowed to assess a late fee when a borrower does not pay for outstanding fees. How does a credit card lending company an exception to this lending regulation? While an interest rate of 20 % can't be applied to a late fee due to regulation, it is illogical for a late fee of {$28.00} for unpaid late fee of {$28.00} to be permissible and not defined as predatory as that's a 100 % revenue, better than any interest calculated on the low balance.
Product: Mortgage

During the course of establishing billing notices, I opted to be notified by electronic means. United Wholesale Mortgage, UWM, agreed to provide said notices without paper billing, a decided advantage to them. The company then proceeded to send billing notices based on receipt of the previous monthly payment plus 31 days. Per the record from my account website the following occurred. 
The XX/XX/XXXX billing was sent by email on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XXXX/XXXX/XXXX now 17 days late. I was charged a late fee. At this point I realized that a payment I had made in XX/XX/XXXX had not been properly credited. I made 2 monthly payments in XX/XX/XXXX but was given credit for one monthly payment and a payment to principal. This was not what I had requested and after conferring with a customer service representative, it was corrected, the late fee rescinded and no adverse credit reporting was made. I received a corrected statement on XXXX/XXXX/XXXX. The next statement for XX/XX/XXXX arrived in my email on XX/XX/XXXX. The XXXX statement arrived on XX/XX/XXXX. I paid as soon as I received this statement although it was not on the first as provided. The XXXX statement arrived on XX/XX/XXXX. I paid this statement on XX/XX/XXXX as I was out of the country and did not have a secure connection. The XXXX electronic statement arrived on XX/XX/XXXX which was a day after the date that caused late charges to accrue. I immediately made payment. I immediately contacted a customer service representative. The representative said that UWM had set up its electronic billing so that it did not generate an electronic monthly statement until receipt for the previous month was made and then 30 days later. Thus, the electronic statement was not sent till after late charges accrued because of the method of electronic billing by this company. The representative told me the late fee would be waived because it was the company error on the billing. When this did not occur I contacted the company again. The representative I spoke to advised that since I had a previous waiver due to the company mistake in XXXX, I was not going to get a waiver and I must pay the late fee. I tried again in writing by email and was ignored. Thus, the company billing scheme appears to generate late payments and increased late fees of {$42.00}. I want the fee waived.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received results of an investigation from Equifax on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( Equifax, XXXX, and XXXX  ) fail to do their job in deleting the items.
Product: Money transfer, virtual currency, or money service

It appears that PayPal has taken personal comments that were made during a message chat with a customer service agent. For the second time in a month PayPal limited access to my account by placing a hold on all outgoing transactions. After providing all requested information to PayPal the first time they removed the hold and allowed normal transactions to continue. Then starting on XX/XX/XXXX PayPal once again placed a hold on the account. This time requesting information from sales transactions. When contacting PayPal by message on their app PayPal advised to just give as detailed information as possible and made the comment PayPal is not for everyone. I found this quite shocking considering Ive sent hundreds of thousands of dollars using PayPal and how they just seemed to disregard me as a customer. I made the comment wow, I wonder how stock holders of PayPal would feel if they knew how their customers were being treated. That was the last communication before receiving an email stating my PayPal account has been closed and the funds in my account would be held for 180 days. They blocked me from being able to use chat messages as well so the quotes and information provided above is from memory as I do not have access. No reason was given as why it was terminated. Clearly it seems to be that someone was offended by the way I judged the customer service being provided by PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : XXXX Date submitted to CFPB XXXX/XXXX/XXXX I am referring to my complaint that was submitted on XXXX/XXXX/XXXX in regards to complaint number XXXX ; where a specific requirement was to agree on a moratorium for payment of interest until the dispute matter was investigated. The bank did confirm in a letter to me that no ACH deduction will be made ; it would then seem this would also apply to manual payments to the bank to stop until the bank would have time to investigate my claim. 
The claim was answered on XXXX XXXX XXXX. However, meanwhile Wells Fargo has been continuously reminding me of my payment requirements for the disputed account upon visiting their bank website to complete some bank transactions. I wrote them a secured email via bank channels to advise them that the matter was under investigation. 
On and around XXXX XXXX I received a call from the bank representative XXXX XXXX who has been working on the above claim XXXX that they were completing the findings. I asked her that since I have not been paying the loan interest for XXXX ; what she would want me to do since XXXX was around the corner. She recommended that I pay. I also cautioned her that the bank should not report me for late payment and charge me a late fee. She confirmed she would ensure this was communicated. I made the payment to the bank the next day for the XXXX and XXXX interest. The bank wrote me on XXXX XXXX XXXX, I received the copy on and around XXXX XXXX. I was not able to access the reply from the CFPB site because access was denied. 
I am not finished with this complaint ref XXXX, since the bank has requested more information. 
On XXXX XXXX XXXX ; Wells Fargo called to inform me that based on their findings I was 32 days late on the payment to the home equity and that they were reporting to the credit bureaus. I told them that that this should not be the case since the account was under dispute ; I have also received a letter from the bank on any ACH deductions until the matter is resolved. They were not aware of the letter and insisted based on their review that because I was late by 32 days they would proceed reporting to the bureaus irrespective of the dispute. 
# 1. Wells Fargo admits that an error did occur in their findings with respect to the existing loan. The closing attorney of XXXX refused to pay their claim because the document had incorrect records on the second mortgage. 
# 2. The bank admitted error in unilaterally taking monies out of my account for XXXX on a non-existing secured loan and refunded the payment after 3 years in XXXX The bank must recall posting the late payment history to the credit bureau with immediate effect. If one has been done they must recall and advise me and the CFPB that the action has been completed. 

The XXXX XXXX call originated from XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to XXXX and Experian consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. XXXX is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. XXXX XXXX XXXX is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. XXXX did not report to Experian and XXXX for the month of XXXX due to my dispute directly with XXXX and Experian, but XXXX did start back reporting on XX/XX/XXXX to XXXX. Also XXXX is improperly reporting this negative account to XXXX on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with XXXX validating this debt or provided authorization to XXXX to report to my consumer credit reports as well as well.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX account XXXX   balance of {$880.00} paid in full by check XXXX for {$900.00}. Third party collection agency Pinnacle Recovery attempting to charge illegal 40 percent collection fee. There is no contract provision for collection fees and such fees are illegal according to Louisiana state law LA 9:3534. Vendor refuses to follow law, continues to pursue collection actions, and deliberately misallocated payments.
Product: Credit reporting or other personal consumer reports

Upon review of my Transunion and XXXX credit report I noticed some Hard inquiries that were not authorized by me I immediately placed an fraud alert on my reports and asked the bureaus to investigate and remove these fraudulent inquiries but they remain reporting I also reached out to the companies that pulled my credit files and asked them to investigate and remove these inquiries because I did not fill out a application for credit with them and believe I am a victim of identity theft On my transunion report I request to have these fraudulent inquiries investigated and removed XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXXXXXX on XXXX On my XXXX report I request to have these Fraudulent inquiries investigated and removed as i am a victim of identity theft ( XXXX ) on XXXX and XXXX ( XXXX XXXX  ) on XXXX and XXXX
Product: Credit reporting

I disputed various accounts that Experian has been reporting incorrectly. I received an email on XXXX/XXXX/16 that my results of the processing of my dispute were available online. I logged in to see the results and despite their legal obligation to correct or delete inaccurate, incomplete or unverifiable information they failed to do so. Instead of reporting complete, accurate or verifiable information they instead removed positive payment history, changed the date of the inaccurate delinquency and closed my dispute regarding the XXXX XXXX accounts. Now they are not only reporting inaccurate delinquencies on those XXXX accounts but they are reporting incomplete information because they have removed 2 years worth of positive payment history on this account. They have also added the following to each account : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. This is in fact not my statement and I do not want it on either of these accounts because it is being portrayed as my statement which is both misleading and outright false. I have had to dispute numerous accounts on my Experian credit file and despite their claim to have verified the information they continue to not only report inaccurate and incomplete information but information that they could n't possibly be verifying with the creditor because the verification does n't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up the response from the Credit Bureaus after the 30 days of investigation. As I reviewed my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  : {XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 or other personal consumer reports

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX Requested On XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX ,   2017   I had transferred {$5100.00} from my checking into my Diamond Preferred  Citibank MasterCard   XXXX  without knowing that there was a limit to my spending on it, so I was n't able to make the purchase I wanted at the end of the day. So I had called and requested for the amount to be transferred back into my checking account on the same day. After a couple business days I called again to check, and they put an investigation on it. After another couple business days I called for the 3rd time, and was greeted by a rude telephone operator from Maryland that had been condescending  and unhelpful to say the least. So I went to a Citibank branch and had a helpful teller help call and contact a manager on the other end, who had given a 4-5 business day duration for the funds to be back in my checking account. As of today, it still has yet to transferred! Is n't it illegal to retain funds for more than 24 hours? What more this?
Product: Credit card

I bout a visa Vanilla Gift card and it has {$200.00} on it, despite being activated I can not make any purchases. When ever I call customer service they say they have activated it. When I look on the website it says all the money is there and that its activated. I just want my {$200.00} back in a check I do not want a card replacement.
Product: Credit card

Hi and thanks for your assistance- I went down to my bank ( Citibank ) to apply for a {$200.00} secured credit card- the bank person told me there would be no credit check. Today I received an alert from my XXXX ; looks like there was a credit report inquiry by CBNA obtained a copy of your XXXX Credit Report - Alert Type : New Inquiry Found On : XXXX XXXX, 2016- This was unauthorized by me! 
Please help!! 
XXXX XXXX in XXXX XXXX XXXX