23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Made a bank to bank transfer due to insufficient funds so that I would not be charged with an overdraft fee. I called to let them know the transfer wont make it on time and she said to call back once the transaction is listed in the history so that they can waive the fee. I call back once the transfer appears on the history and the representative on the phone say 's theres no way for me to have the overdraft fee waived. At this point I am not upset about the fee but at the fact that the XXXX representative told me specifically to wait until it shows up on my card history of the bank transfer so that they can waive the fee. At this point, me waiting for the fee to show up, had costed me an additional overdraft fee which Is now unnecessary additional money I had to pay out of my pocket. I am upset that each individual representative that i spoke to over the phone denies any liabilities when it comes to what they say. It is a reflection of a dishonest company where each representative does not want to take responsibility for what has been said. I will soon close my account with M & T bank soon due to their lack of diligence in this matter and their obvious greed to generate revenues from overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a derogatory remark from Midwest Recovery Systems in the amount of {$1500.00} was reported on all 3 of my credit reports. XX/XX/XXXX, I sent in a debt validation letter to them. Midwest Recovery Systems received my letter on XX/XX/XXXX. I didn't receive a response from them by XX/XX/XXXX. XX/XX/XXXX, I sent in a follow-up letter stating since they failed to validate the debt within 30 days to remove it from my reports as a courtesy.
Product: Debt collection

Received letter from collections in reference to a debt from XXXX XXXX for XXXX XXXX XXXX. 

The collection agency, the 1st party XXXX XXXX XXXX XXXX XXXX   changed the address without authorization. 

The address is only a forwarding for care of.I never gave authorization for any change of address, contact to this address and or other.
Product: Credit reporting or other personal consumer reports

I filed a complaint thru CFBP online on XX/XX/XXXX. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT IDENTITY THEFT AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of which the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim.

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXXXXXX XXXX XXXX XXXX Fraud Department in California : XXXX  XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by XXXX  XXXX when I picked it up from the XXXX XXXX Police Station last month. 

Then, the FBI XXXX XXXX named XXXX XXXX XXXX XXXX told me on the phone that the FBI XXXX XXXX is now taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Today of XX/XX/XXXX, I received a mail from EQUIFAX about Identity Theft Report Request letter which it did not make sense to me at all based on my reported situation as a victim of financial crime which is currently taking very seriously by the FBI. STOP HARASSING ME WITH MAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX XXXX XXXX did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.
Product: Debt collection

Columbia debt management and or Genesis credit management is a collection agency representing a creditor that committed a breach of contract agreement. A part of the requirement to pursue was to contact Code enforcement of the City. An officer responded to my request made for mistreatment and in habital conditions. He stated this matter would need to be settled in court. Columbia debt management and or Genesis credit management assumed debt owed in XX/XX/XXXX. I called Genesis Credit Management in XXXX stated to them I have and would be pursuiting legal rights for this matter. Furthermore, I discuss that this agreement between landlord and tenant came as a failure to meet owner duties in maintenance and safety for health conditions for the place I reside in. The statues of law are within limitations for me to recover for punitive damages. I stood in front of a judge in XXXX XXXX XXXX magistrate court and was told that the original entity requesting debt owed wasn't the entity to bring in this matter of justice. The original creditor or entity is doing business as the sister company to XXXX property management, who is the parent company. The matter was never brought to court for eviction for due process. stance does not meet FCRA and FDCPA. As of XX/XX/XXXX, Collection agency is aware that I can bring legal action against them for abusive and harm tactics on my credit report. Below are some of the documentation working towards legal remedy.
Product: Checking or savings account

I stopped at the gas station to check the balance on my chime card like I always do as I'm riding home I realize {$140.00} is taken out of my account I don't know if the ATM is a scam I complained to the gas station owner I also called my bank day advise me to go back to the gas station I've been running around in circles it happened XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have XXXX  problems I have to pay for my medication and I need to see what you all can do
Product: Debt collection

Received letter from Midland Credit Management on XX/XX/2018 with payoff options on {$1200.00}. I don't owe anyone any money. I called the number provided. XXXX and told them that. They asked for the account number and then to verify my name and address, I noted that the name was spelled incorrectly. Then they asked for the last 4 of my SSN and I refused. They said they would take my address off their list but somehow I don't believe it. Seems awfully fishy!
Product: Payday loan, title loan, or personal loan

I got a loan for {$1100.00} on XX/XX/XXXX. I made XXXX payments. Two payments on XX/XX/XXXX for {$830.00} and {$110.00} and {$110.00} on the XXXX of XXXX. Their system has a glitch and took a full payment of {$110.00} even though I only owed {$100.00}. I called them 3 times. The last person I spoke to said they would take up to 8 weeks to refund me. I spoke to XXXX XXXX on XX/XX/XXXX.
Product: Student loan

I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Not a complaint but a question : I currently have a safe deposit box in the XXXX XXXX Branch of Santander on which my 2 out of town sons are co-signers. Because the branch is closing, I have to open a safe deposit box in another branch in XXXX XXXX. I have been told that in order to have my sons on my account, they have to be there in person ( at the same time ) in order to sign which is not possible. My question is whether this ruling is a federal or state law or whether it is simply a requirement of Santander. My feeling is that since I am being forced to close my safe deposit box which I have had since 1968, that Santander should move the signature card to my new account. They won't even consider having the signatures on the card notarized by my sons in XXXX and XXXX. 

I would appreciate your advice on this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information currently being reported on my credit file with XXXX, XXXX, and Equifax. The information listed contains discrepancies that do not accurately reflect my financial history. I have attached detailed letters outlining the specific errors. Please review the attached documentation and update my credit report accordingly to ensure that the information is accurate and reflects the correct status of my accounts.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/2016, attached will be a 9 page narrative detail, including FCC complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a US Bank form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested XXXX, TransUnion and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX ( XXXX CFR XXXX ) and the Privacy Act of XXXX ( XXXX XXXX XXXX ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and TransUnion has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, TransUnion has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, TransUnion and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, XXXX, and TransUnion the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$8.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not mine but it been more then 30days and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter XX/XX/2021 to Equifax regarding this account from XXXX XXXX XXXX. This account is being reporting inaccurately on all 3 bureaus so I requested an investigation from them. Equifax never opened up a dispute nor did their proper investigation. What they did do on XX/XX/2021 was change my payment history on this unverifiable account which dropped my score by 89 points. I have included the original letter along with the missed payments that were added to a charge off account. According to the FCRA this account must be DELETED if it can not be verified by the bureau. Thank you XXXX XXXX THIS IS MY SECOND COMPLAINT VERIFY THIS ACCOUNT OR DELETE IT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I sent in a dispute letter which I am allowed under fcra regulations asking for verification of amount. Also sent in a police report of fraud on 2 accounts they are reporting. They denied the certified letter and it was sent back to me.
Product: Credit reporting

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning my credit report. Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects late open and late closed accounts that should be corrected or removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected or removed, negatively impacting my credit score and financial standing.These errors are not resolved promptly, so I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me correct the late open accounts and remove the late closed immediately : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$180000.00} ; XXXX  XXXX Balance : {$0.00} - removed.
Product: Checking or savings account

On XX/XX/XXXX, My Capital one savings account got closed due to suspicious activity. Capital One said they well send me a closeout check for {$5900.00}. It has been 2 months and I still have not recieved the check it. I have called but they dont have give any details on the situation.
Product: Credit reporting or other personal consumer reports

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is reporting a late for XX/XX/21 and I would like it removed. I recently have been going through a hardship because of Covid 19. I have had this account for a very long time, and have always been on time and never made a late payment. This was genuinely a mistake and I ask that USAA makes a goodwill adjustment for a loyal customer. My hours have been cut, and I have had enough money to barely scrape by. I ask that they please remove the late from my credit file. I was never late before and continue to make payments on time.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Dear PayPal, I am writing on behalf of my limited PayPal account due to receiving benefits as money owed from a friend. 

On XX/XX/XXXX, I created a PayPal account ( " Account '' ) at which time I agreed to PayPal 's user agreement ( " User Agreement '' ). 

On XX/XX/XXXX my account was limited due to the unemployment benefit that was received into my PayPal account. Although the unemployment benefit wasn't in my name but it was received as money payback from a friend in debt to me. My friend asked for my account and routing number not knowing it was Unemployment Benefit. 

Upon receiving the money my account got limited temporarily, which I was definitely expecting due to the high cash flow and recent scams going on. Later On my account got limited permanently which mad me very worried and concerned. I was told I was to wait XXXX days upon withdrawal, I made several complaint but I got no response. unfortunately I forgot about it due to the ongoing Pandemic. 

So I'm writing this E-mail to kindly forward this to your technical team for withdrawal of my money that has been held for quite a long period of time. 

Based on your policy it states : Pursuant to the Restricted Activities & Holds section of the User Agreement, In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) Additionally, you must not Send or receive what we reasonably believe to be potentially fraudulent funds. 

Based on what happened I didn't violate any of this policy, my friend paid me back with unemployment benefit, if you need any documents proving so I'll forward it to you and also I don't mind coming over to your office with my friend and also all the XXXX XXXX unemployment benefit application document and also a lawyer. 

I hope this mail finds you well kindly note this has also been forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully, XXXX.