23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control.
Product: Debt collection

I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX   credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to Equifax on XX/XX/XXXXXXXX  and again 90 days later and they are refusing to delete the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all these deleted.
Product: Money transfer, virtual currency, or money service

Within 5 days, after trading coins and being forced to pay extremely high amounts of money to do so, Coinbase then locked my account due to a bank transfer confusion. During this time I had no way to access my account and watched as they drained my balance.
Product: Checking or savings account

I have had 6 unauthorized atm withdrawls all on XX/XX/2018 form my American Express Serve Account : 3 {$500.00} withdrawls from the same atm, 1 {$400.00} and 2 {$200.00} all amounting to {$2300.00}. i have submitted 2 decleration of fraud forms per dispute and the police report. my disputes where denied twice. My account have been permanantly suspended and i have no access to my funds. i am also expecting my state income tax to have been deposited in to this account.
Product: Bank account or service

To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. 

I tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to " proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. 
I have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. 

Upset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. 
A business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? 

The worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. 

What I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this and complained for months! These XXXX have messed up my credit report and they still have not fixed the issue and Demand an investigation! 

I deserve to be compensated per statute. 

I can not he My credit score and have been ignored for months! Please apply statutory fines for equifax violating ny rights to access to my credit score! 

And Equifax is retaliating against me for disputes and is degrading my credit report please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Auto pay with XXXX XXXX. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XXXX 2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XXXX 2019, I get an alert stating my credit went down XXXX points!! I see on my credit report that I was over 60 days in late payment to XXXX XXXX. I called XXXX XXXX and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX  updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. TRANSUNION refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX 2019- I went ahead and paid off the lease minus 2 payments because I did not trust that XXXX XXXX would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my Transunion credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019 I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. Transuion is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.
Product: Bank account or service

PNC bank is holding funds for over 3 weeks with regard to a dispute I entered when someone used my debit card through an online scam. When I speak to the customer service representatives they tell me the dispute investigation is almost complete and it should be any day. This vague reply by PNC is useless and I still have no idea when PNC will release my money. Furthermore, I have no way of contacting anyone at PNC except for the general XXXX number. When I ask to speak with someone who would be able to give me a better answer I get a number that no one answers and I you need a code to leave a message. PNC is stealing my money. How can a bank legally hold funds for over 3 weeks?
Product: Credit reporting or other personal consumer reports

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XXXX at XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/2024 and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to Manager XXXX XXXX from XXXX XXXX to XXXX EST. Its surprised me when XXXX  person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss Manager XXXX XXXX ' When he transfers to his Manager XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Product: Mortgage

The bill due for my mortgage with Volunteer mortgage in Tennessee was nearly twice my regular monthly payment, so i track it down to the line with the {$350.00} addition ... it is for " corporate advances '' ... and the description for that ( on the bill ) was " advances paid by the servicer for work performed such as property inspections, valuations, legal fees and costs ''. 
I called my lender and ask what this is all about. The gentleman on the other end put me on hold for 5 minutes and came back to tell me that it was a fee added because the bank reevaluated the value of my house every 30-60 days ... So i ask why, in ten years, i have never seen this fee before ... especially if it occurs every month or two ... I'm placed on hold again and he comes back with a whole new story that their company merged with another bank in XXXX of 2019, and that their lawyers went through all their accounts to make sure they were on the up and up ... and that was my legal fee to pay for their merger and acquisition. I am still unsure what the real story is. 
I have attached a document of the bill.
Product: Debt collection

I don't owe anything to this collection agency. Is from an insurance that tried to get me into a contract which I never agreed nor signed any contract I made all monthly payments in advance like they required. I followed they're instructions to cancel I spoked to one of they're operators to cancel this the second time that they do this to me Is hurting my credit I'd pay each month that I was covered. The remaining balance is months that I wasn't covered because I cancelled. They're tried to get me in full year which I never signed. They don't explain that to customers what they imposing. But I was cleared to the operator when I started the insurance that I wanted a month to month policy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, XXXX, AND TRANSUNION have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 
XXXX XXXX XXXX  XXXX UNVERIFIED It is to my understanding that XXXX, Transunion XXXX and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used my cellphone to make one ( ACH ) payment. After completing the one time mortgage payment, I found the debt collection agency New Rez LLC., had taken two mortgage payments. I only authorized one. Ive called everyday from XXXX, to request a return of the extra mortgage payment amount. Everyday, an employee of New Rez, has assured me it was being refunded within 24 to 48 hours. None of these statements have been true.
Product: Bank account or service

I have noticed now about 4 times that PAYPAL when I go to do an ATM withdrawal of my account that the fees do not match up when held and the posted. 
Example today my balance was {$200.00}. I withdrew {$200.00}. The ATM charged a {$3.00} fee for atm use. When looking at my account I have a new balance of {$3.00}. In the temporary hold section it shows a hold of {$200.00}. However, there is no mention of any fees associated on PAYPAL 's side for the ATM withdrawal. In looking at my summary, it showed before my {$200.00} balance, ATM withdrawal {$200.00}, balance {$3.00}. NO WHERE do that say or post the {$1.00} fee for the ATM card use. I have noticed this on ATM withdrawals but not checked if I use it at XXXX. I have noticed descrepencies with the balance and making purchases via Ebay or in person with my card. The balances do not seem to match up all the time.
Product: Money transfer, virtual currency, or money service

XX/XX/2019. I sent {$200.00} through Chase Quick Pay with XXXX to purchase two tickets to a XXXX XXXX game from a seller on a XXXX XXXX XXXX tickets page. The seller never transferred the tickets through XXXX as they said they would and subsequently deleted their XXXX account. I immediately contacted Chase, who states they can not return the payment or stop it even though its still pending. They also stated they cant tell where exactly the money has gone in this instant transfer.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I utilized the mobile application provided by the company MoneyGram to carry out a money transfer. However, upon realizing the extensive duration the transaction would require, I promptly canceled the transfer. Subsequently, I initiated the internal refund process as per the company 's guidelines. Regrettably, the refund is now overdue by several days, and despite my attempts to contact them, I have received no response nor have I received the refund. I possess an email correspondence wherein their initial response acknowledges the pending refund, inclusive of the specified timelines aligned with their internal policy. 

During my further investigation of this particular company on the internet, I discovered an abundance of individuals reporting grievances such as non-receipt of funds, inquiries regarding the whereabouts of their money, and suspicions of internal fraudulent activities, among others. It appears that there are grave concerns associated with this company, which is regrettably causing financial losses for numerous individuals. 

Considering the extensive reach and utilization of this company 's application by countless individuals, it may be in the best interest of the relevant United States authorities to conduct an investigation into the operations of this company and extend support to individuals, including myself, who feel victimized by what seems to be misappropriation of funds. I am more than willing to provide additional details if required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax furnished an inquiry on my consumer report without my consent Listen From XXXX XXXX. On XX/XX/XXXX Equifax furnished another inquiry on my consumer report without my consent from XXXX. On XX/XX/XXXX Equifax furnished another Inquiry on my report From XXXX XXXX XXXX XXXXXXXX XXXX. The furnishing of all inquiries are not allowed by Federal Law the FCRA to be specific for Congress has stated in the FCRA that a consumer reporting agency may furnish a consumer report under the following pretenses and no other and then stated that the furnishing if consumer reports should only be In accordance with the written instructions from the consumer to whom the consumer report related and I XXXX XXXX never gave Equifax to permission nor did I give them oral or written instructions to furnish anything on my consumer report. Equifax is now in violation of the FCRA for violating the permissible purposes section which they never had and are now civilly liable for their inaccuracy and negligent behavior in the furnishing of all said reports. On XX/XX/XXXX I filed an identity theft report and sent it to Equifax on XX/XX/XXXX with a copy of my ID to verify my identity and attached a XXXX XXXX letter letting them know that they have to remove these things from my consumer report I sent all documents certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX By Equifax breaking federal law and furnishing all said inquires on my report this has caused me actual damages in the amount of mental anguish and emotional distress for it is a fact that inquiries are known to affect credit scores in a major way which In result can prevent me from obtaining credit and getting higher interest rates on things that I desire with purchasing things from my consumer credit it is also an invasion of my consumer privacy that congress has stated that I have and am entitled to
Product: Debt collection

On Wednesday, XX/XX/2021, I received a call from an unknown number at XXXX XXXX PST. I did not answer, but I received the following voicemail message : " Hi this call is regarding a summons being served in XXXX XXXX County to ( states my name and then age ). You will be served at ( my address ) or at my job. This is a process server scheduled from out of XXXX XXXX County courts to locate you at your home or place of business. If you still work for ( company name ) you can expect a legal documents served to you at your work by a process server for court. If you have any questions call the filing part attorneys right away at ( phone number ). I work for XXXX XXXX and my name is Mr. XXXX XXXX XXXX. I could give you more information but you have to call me with your summons ID number ( gives the number ) to get the information. Thank you and good luck in court. '' I then received the same message at my house phone number right afterwards, as well, as my brother in law and sister in law in other states. Several family members have been contacted by this same person and phone number. 

When I looked up the phone number, it leads me to National Credit Adjusters. 

I received in the mail a bill from a different company, XXXX XXXX XXXX with a National Credit Adjusters , LLC listed as the current creditor. I have since paid this bill. 

I am not aware of any other debt with National Credit Adjusters.