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

On XX/XX/XXXX I attempted to close my business checking account with M & T Bank. I emailed the bank my request. Five days later, no one from M & T had bothered to answer my email so I sent the bank a second email stating that, as far as I was concerned, the account was closed. The bank charges a {$50.00} account closure fee, so I withdrew all but {$50.00} from the account. Finally, on XX/XX/XXXX, " XXXX '' replied to my email and informed me that in order to close the account I would have to either write a letter to or visit the branch where I opened the account. Obviously, the bank wants everyone to have to jump through as many hoops as possible in order to close their account, but what she told me was a blatant LIE I read every page of M & T 's Commercial Deposit Account Agreement after I opened the account, and this is what the agreement states regarding closing an account. It is Provision 25 ( d ) of the agreement : " Client must provide Notice to M & T to close an Account. '' That is ALL that it states. On XX/XX/XXXX I replied and notified XXXX that if my account wasn't closed by XXXX I would immediately file formal complaints with the XXXX XXXX Md. Office of Consumer Protection, the CFPB, Md. Attorney General XXXX XXXX XXXX, and the Federal Reserve Board. Early this afternoon, someone from M & T called me and told me that she would have to get permission from the manager at the branch in which I opened the account in order to close it. ANOTHER LIE. Nowhere in the Commercial Deposit Account Agreement does it state that an account can only be closed after receiving approval from a branch manager. I have no idea who manages the branch and have never spoken to him or her. Later today I saw that my account had been closed. I also saw that the bank charged me, and then waived, a {$20.00} " Final Analysis '' charge. I'm glad that it had been waived, because I have M & T 's XX/XX/XXXX Corporate and Institutional Deposit Account Fee Schedule, and nowhere on the schedule is a " Final Analysis Fee '' even listed. 
Even though my account was closed today, I'm still filing my complaints. At best, M & T is making it more difficult for customers to close their accounts than it should be, but I think it may also be egregiously breaking the law. Therefore, even though the OCC doesn't directly regulate M & T Bank, I'm going to send a copy of my complaint to the OCC as well. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payment Reporting Under FCRA from XXXX. 
Dear Transunion I am writing to formally dispute the reporting of XXXX instances of XXXX day late payments on my student loan account serviced by XXXX XXXX which had a highest balance of {$5500.00} and is now fully paid off as of XX/XX/XXXX. The information reported is inaccurate and does not align with my payment history. 
Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The late payments listed for my account are inaccurate and need verification or removal.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information, such as XXXX, are prohibited from reporting information they know or reasonably should know to be inaccurate. 4. 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers are obligated to correct and update information that is incomplete or inaccurate after becoming aware of the issue. Details of the Dispute : Loan Servicer : XXXX Account Information : Student loan opened XX/XX/XXXX. 
Disputed Information : XXXX instances of being XXXX days late are inaccurately reported. Based on my payment records, I believe these entries are incorrect. 
Action Requested : I request a reinvestigation of this account and removal of any inaccurate late payment entries. Please provide detailed evidence, including payment records and timelines, to support any claims of delinquency. 
XXXX XXXX social Security XXXX Thank you
Product: Student loan

During the week of XX/XX/XXXX, my personal data was compromised without my authorization. The family education rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Mortgage

My dispute is in regards to my PMI. My calculations places my LT V ratio is between .67 % -.68 %. The original value my property is XXXX. The AVM value is XXXX. The value is not based on a certified apprasier, but on my current property tax value. 

The option that has been given to me has been to order a BPO cost of XXXX or make an escrow payment of approx.3000.00. 

I assume that the PMI would automatically be removed, buy I'm learning this is not the case with Wells Fargo. After 6 years of payment without ever a late payment. 

Thank you for your prompt attention.
Product: Mortgage

Mortgage Company - Home Point Financial Corporation I paid bi-weekly mortgage payments without knowing that Home Point doesn't accept bi-weekly payments. One payment was applied to principal and the other is in suspension. I have been calling up the company for almost 3 weeks now to get this fixed. Every time I am told that this will be fixed within the next 24 to 48 hours. Nothing has been done about it till today. I have also sent several emails to their customer care email id and their supervisor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Harvard Collection Services LLC came unto my credit report. Never received a validation letter. Company is fraud and I called the originator and they do not show me owing anything. XXXX  has had over 95 complaints. 

46 Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/2020 I went to check my credit report and theres an account from Harvard Collection Services. I never received any notice from them and have never heard of them. I have really good credit because I pay my bills on time. Well, I had really good credit. That account that was reported to the credit bureau dropped my credit score by 60 points. I have no idea what this business is and never heard anything about or received anything from them. Im requesting they remove this account from all credit reporting agencies. 
Response XX/XX/2020 Re : Case # ******** ***, XXXX We appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services. 

Upon investigation we found that account at issue was assigned to our office by our client on XX/XX/2020 in the name of XXXX, XXXX. Our records do not indicate any prior contact with the consumer. 

Upon receipt of the complaint the account has been submitted for credit deletion and the collection activity has been ceased. Additionally, we have requested the itemized bill from the client. Once received we will send it to consumers mailing address for validation of the debt. 

If we can be of further assistance, please feel free to contact us at # # # - # # # - # # # #. 

Sincerely, Harvard Collections Services
Product: Student loan

Im actually having a problem with the three major credit bureaus not investigating this enough. XXXX XXXX XXXX/ ( also can be found as XXXX ) inaccurately reported a 60 day late back in XX/XX/XXXX/ XXXX when I was doing a consolidation of all school loans with the current lender. They were the ONLY lender, during this process, that did not cooperate and get the information to the soon-to-be consolidating company, and during this time my loan with them was supposed to be forbearance because it was processing as a consolidation and the payout information could not change. I did that process with them, but I had no idea that they did not only not get the info to the consolidator, but they also marked the loan as 60 day late! I can not even express how frustrating this has been to get removed. They no longer exist, and I spoke to them before they were shut down by the Federal Government back in XXXX when they were sued for Millions of dollars because they were not servicing loans accurately, timely and accordingly! They were sued for the very reason Im trying to get this off my credit. You can even look at all my school loans, I never have had ONE late during all this time, except with them. This is totally inaccurate and frustrating because the credit bureaus dont seem to know what they are doing when I have disputed. I just dont get it. Im copying and pasting this article so you can see what Im talking about how they were sued. XXXX XXXX XXXXXXXX Please help me, I want to simply get this 60 day late from all three credit bureaus because its still impacting my ability to get better rates, loans, leases, etc. Please can you help???
Product: Credit reporting or other personal consumer reports

FCRA XXXX says bad accounts should be taken off my credit report. I don't know what's happening, but the accounts in the docs are all wrong. They're messing up my credit report, and it's really getting to me. Can you fix it?
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX 2 fraudulent charges were made thru my checking account. One was made in XXXX California for about {$15.00} and the other in XXXX XXXX New Jersey at a XXXX for {$80.00}. I was in neither place at that time nor have I ever visited those places in my life. When I saw the charges the next day I immediately called Td customer service line reported the charges and filed a fraud complaint. I went to TD bank in XXXX NJ to get a new card I closed my savings account and withdrew majority of my money from my checking but could not close the account because of the pending claim. 10 days later I got a letter in the mail saying they did not find it to be fraud because the charges were made via pin number and with in my area. those finding are impossible as I could not of been in cali and NJ at the same time on the same day and NO ONE HAD MY CARD OR PIN NUMBER. I opened another claim this time I got police report and brought it to the bank to show it was made and being processed. They have again denied the claim for the same reasons. Unfortunately TD bank had no direct line to the department and no one to speak to. Today I reopened the claim for a 3rd time in hopes they will overturn their ridiculous decisions. I would not go through all this trouble and switch all my banking information and autobill pay that is routed to this bank if fraud did not occur. No one has my pin or card. I have never been to either location and I most certainly would not travel to XXXX XXXX at XXXX XXXX to purchase XXXX bucks worth of product when I could go to a XXXX around my home. I will even go as far as getting surveillance from that XXXX of the night and time in question to prove I was never there making that purchase.
Product: Debt collection

I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.
Product: Debt collection

The Debt collection agency under the name ARC located in XXXX, Texas began calling me with regards to an outstanding debt of {$6200.00} on XX/XX/XXXX of 2021, after which we spoke on the phone XXXX XXXX, XXXX XXXX and XX/XX/XXXX. in one of our first interactions after trying to explain to the representative XXXX XXXX, whom was handling my collection, that I had already paid for the medical procedure which she was trying to bill me for I was voraciously accused of being a petty thief and a criminal and rather than retaliating I still agreed to pay the debt if in I could verify its legitimacy. After over 20 hours on the phone with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX I was able to get a representative from XXXX to verify that my claim had already been processed and paid for through them and any other debts in collection trying to be made would be considered fraud and were therefor unlawful. The representative offered to call ARC with me to explain the situation. I thought I was finally seeing the light at the end of the tunnel here. However once we got on the phone with XXXX XXXX at ARC, not only was I still yelled at and accused of theft, but the representative was being shouted over and asked to speak to her supervisor. The representative at ARC refused to listen to anything we had to say despite myself taking the proper actions to provide proof that these charges against me were illegitimate. I provided proper documentation and brought along a representative but was still met with denial and insults.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX is an abusive and illegal company with untrained reps. They have charged me an interest rate of 17.99 % which is above the 16 % usury law of NY. They have applied 90 % of my payments to interest. after over {$7000.00} in payments, the principle is lowered less than {$1000.00}. When im late, they spam my phone with calls from several different numbers harassing me, family and friends. They even paid me {$1000.00} hush money when i threatened to sue because they threatened me, to have me arrested and steal my car if i didnt pay them before they hung up. Their staff is a bunch of liars who promise of you make a payment itll be applied one way, and apply it completely different.
Product: Credit card or prepaid card

On XX/XX/2019, I got a cashier check from my Credit Union in the amount of {$2300.00} to my credit card company - XXXX XXXX. Somehow Wells Fargo Bank got hold of the check and cashed it. There was not any information on the check pertaining to Wells Fargo, but the check was cashed. I have tried several times in phone calls to get the money returned. I have been told that Wells Fargo handles credit cards accounts for XXXX XXXX but XXXX XXXX personnel told me they are an independent bank. Wells Fargo Bank said that I had to go to my bank or to XXXX XXXX for assistance. But they told me that it is Wells Fargo Bank 's responsibility because they cashed the check that was not written to them. Still, they refused and my bank has tried and sent a request but Wells Fargo Bank Have not responded or acknowledged they received the request.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX  and Equifax did not freeze my credit when I requested it
Product: Credit reporting or other personal consumer reports

XXXX XXXX OPENED A SECURE CREDIT CARD FOR ME WITH A {$300.00} DEPOSIT. 
OPEN DATE XX/XX/XXXX. 
I DECIDED THIS ACCOUNT WASN'T WHAT I NEEDED, SO I CALLED AND CLOSED THE ACCOUNT. 
XXXX SENT ME A CHECK FOR THE REMAING BALANCE OWED TO ME FOR THE SECURITY DEPOSIT, THAT WAS USED TO OPEN THE ACCOUNT. 

EACH YEAR I DISPUTE WHAT IS IN MY CREDIT REPORT. 
ACCOUNT CHARGED OFF {$170.00} CONSUMER CLOSED ACCOUNT, BALANCE REMAINING {$170.00} THIS WILL REMAIN ON MY CREDIT REPORT UNTIL XXXX. 

I HAVE TRYED MULTIPALE TIMES TO SPEAK WITH SOMEONE REGAURDING THIS, EACH TIME I AM TRASFERRED TO SOMEONE NOT WORKING AT HOME. BUT NEVER GET ANYONE WHO CAN HELP ME IN THE OFFICE. 

VERY FRUSTRATING! 

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXD XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$8800.00}
Product: Credit card or prepaid card

My complaint is against Citi Bank for deceptive payment practices, where payments are not applied as stated by their customer representatives. I have two promotional offers open. One promotional offer for a balance transfer ending XXXX and the other for a purchased promotional advertisement ending this XX/XX/XXXX, at a XXXX percent interest, if paid by the due promotional end date,, if not paid in full, a 26.99 % would apply to the understanding balance. 

My first attempt was on XX/XX/XXXX. I called Citi Bank and spoke with rep XXXX and asked him if I could just pay off the purchased promotional ending in XXXX. He said yes, I could pay off the just the purchased balance of $ {$720.00}, which he processed. 

On XX/XX/XXXX, I spoke to XXXX, regarding the {$720.00} payment that had not been applied to the purchased promotional offer as stated on XX/XX/XXXX. XXXX, stated she would research this and to give it a couple of days to reflect on the system. During that time, I would be able to pay the new balance of purchases. 

On XXXX, XXXX, I spoke with XXXX regarding posting of payment. She stated payment could not be applied to promotions. I requested to speak with a supervisor. The supervisor answered the call. XXXX, another rep, said that no supervisor was available, but the supervisor informed him to apply for the payment for the XXXX promotion and I should see the amount applied after XX/XX/XXXX, to my statement. 

Today, XX/XX/XXXX, I spoke to XXXX to see if this payment has been applied to the correct promotional offer. She stated the payment was applied to the balance transfer offer, which ends in XXXX, and my balance for all purchases would be due by XX/XX/XXXX. 

This type of payment inconsistency in customers ' hard earned money, creates undue dissatisfaction to their customers. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, Experian has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

I have contacted Experian to verify my address, name, DOB SSN Employer and no action has been taken.
Product: Debt collection

I am a member of XXXX XXXX and today they notified me that a collection was placed on my XXXX Credit report by a debt collection company by the name of " collection Servicecenter ''. 

While the debt is in fact valid, I have not heard from the original creditor, XXXX of XXXX. In fact I I have not heard from XXXX XXXX in over XXXX MONTHS. Thus, I naturally assumed that The XXXX had taken care of this debt since I was under XXXX care at the time that this debt was incurred ( XX/XX/XXXX ). 

The very first time I learned of this collection action was when XXXX XXXX  notified me yesterday ( Friday XX/XX/XXXX ) that this collection action had been placed on my XXXX Credit report. 

In other words, " Collection Servicecenter Debt Collection Company '' NEVER contacted me BEFORE they placed the account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vey common name and did not know that other peoples information would be reported on my credit profile. I just stared checking my credit and notice so many accounts that should not be showing on my credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX XXXX that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and Equifax verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with Equifax, the information that XXXX XXXX is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? Equifax is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. Equifax has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.
Product: Checking or savings account

$ XXXXevery month since XX/XX/2021 Tried emailing them and won't answer phone calls My bank stated I can't stop the withdrawal without changing account number s It's a company name Truebill XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically