23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.•	Repetitious  Phone calls –telephone records list 25 calls in the said time frame•	Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process)  and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment  stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”•	Failure to notify me of my right to receive verification of debt •	Failure to provide me  with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX•	Failure to inform me that I can dispute the debt •	Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX.  She did not provide the requested information to me.•	I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue.  I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
Product: Checking or savings account

On XX/XX/21, around XXXX, I withdrew {$1000.00} cash from the US Bank XXXX XXXX XXXX XXXX XXXX MN ) from my US Bank Relia Card Account. I have to do this because the XXXX XXXX online bank transfer function is down. I then deposited {$900.00} cash into my US Bank personal checking account at XXXX. The ATM machine accepted my {$900.00}, all {$20.00} bills it had just dispensed to me ( I put {$100.00} in my wallet ). It then dispensed a " receipt '' stating a machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items. '' I called that number several times from two separate phones. It would ring, then say this call can not be completed as dialed. I called the US Bank 24 hour customer service line and received the same message. I called the next morning and was speaking to a representative. I asked to be transferred to a supervisor, and she hung up on me. I physically went to the bank, and the bank manager, XXXX XXXX, who I could see eating a XXXX sandwich through the glass office door, had her teller inform me she did not have time to deal with it. She did not even have the courtesy to open her sliding door or speak to me, despite the stress caused from having {$900.00} taken from US Bank. I went to her office and told her I was unable to get through the prior night on the phone, and her response was " I could get through right now. '' It was the worst banking moment I have ever had. As of now, I was neither returned the {$900.00}, nor was it credited to my account.
Product: Credit card

I had finally been talked into applying for a credit card while shopping at Victoria Secret. I completed the process and was issued a card. After paying off my card 2 months in a row I received a letter from Comenity Bank claiming potential security concerns. They asked that I supply them with a government issued ID and proof of residency. I selected options from the list and promptly supplied my drivers license and current utility bill. I then received a letter stating that my account had been permanently closed due to security concerns. I called the Account Protection Team and asked why my account had been closed. They stated that my documents werent accepted, even though I provided them with exactly what they requested. I asked to know why and I was told that they cant tell me. I asked to speak to someone who could tell me and was told that no one can tell me this information. Where did my very personal information go and why am I not allowed to know what has happened to my account?
Product: Checking or savings account

Wells Fargo - Claim # XXXX XXXX XXXX XXXX XXXX XXXX transactions appeared on my checking account in the total amount of {$160.00}. Wells Fargo XXXX XXXX texted and asked if these were fraudulent. We reported to them that those were not our transactions and they were indeed fraud. I was on the phone with the bank and they asked if my wife 's card was stolen or lost and I said that I did not think so. After talking to her, she discovered that her card was lost. She called WF and reported to them the correct information, and WF cancelled the card and sent her a new one. 

On or about XX/XX/XXXX - Wells Fargo sent a letter stating that they were denying my claim because the card was in our possession. I called and talked with them, stating that they must not have gotten my wife 's phone call on file where she told them that the card was indeed lost. They took my information, apologized and re-opened the claim. 

On XX/XX/XXXX - Wells Fargo again denied my claim stating there was no evidence of fraud. I spent quite a while on the phone with XXXX different reps, and also a customer service rep. The conclusion of all of the calls was that I either needed to go talk to the merchants myself to ask for a refund, or provide Wells with additional evidence that this was fraud. I explained to them that I don't know how to go gather that evidence and this was absolutely 100 % fraud. They said it wasn't. I asked them why Wells Fargo texted me reporting fraudulent activity on my card then? They told me there was nothing else they would do. I have been with Wells for XXXX years, and in that time I can think of maybe XXXX disputes I've had.
Product: Checking or savings account

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX and released on XX/XX/XXXX upon admission. I was not allowed to have a cell phone. Nor a wallet when I was released from the XXXX XXXX XXXX. I discovered several different charges and ATM withdrawals from my cards and phone. When I contacted Cash App with these issues. They immediately declined the dispute without even looking at the proof.
Product: Checking or savings account

I disputed a charge on my account in a written letter involving a delivery problem with an XXXX XXXX  purchase. Despite acknowledging the letter, the bank is claiming that I have not formally disputed the charge and that I need to go to their branch or call them on the phone to do so. This is a violation of my consumer rights. I have the right to dispute in writing. In fact, that is the proper way to file disputes. Furthermore, I am concerned about this pattern of conduct from the bank. For example, I have previously written a detailed letter to them about bank fees that they contacted me about, without asking any questions the letter did not address. The bank seems to have a problem conducting business with me in writing, which is suspicious. I am not impressed with their lack of professionalism.
Product: Debt collection

I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I contacted XXXX XXXX  and filed a complaint through CFPB. The interest rate was extremely high. I was paying them and struggling to pay my other bills due to XXXX. Although I was paying them, since the interest rate was so high I the amount due wasn't decreasing. They sold the account to LVNV Funding. I was notified by either company until I saw the XXXX negative reportings on my credit.
Product: Credit reporting or other personal consumer reports

XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2026
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX  Account XXXX  Reason for disputeXXXXUNVERIFIED NOT MINEXXXX
Product: Checking or savings account

Wells Fargo bank didn't open XXXX XXXX XXXX XXXX didn't open XXXX bank didn't open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account on my credit reports, but for some reason, Real Time Solutions continue to report this unpaid balance of XXXX on my report. I am trying to qualify for a house and can not because this is being reported as a collection. I've written two letters and just received a response from RTS, they sent me documents which do not have my signature and it looks as though the letters were typed. I've asked them twice to give me something that has my signature, but they can not. Also, they indicated they mailed me a letter in XX/XX/2015, but I did not receive the letter. They also indicate a account number at a credit union which I didn't have. I am tired of writing letters back and forth with this company and would like this information removed from all 3 credit bureaus. Any assistance you can offer would be greatly appreciated.
Product: Mortgage

ORIGINAL COMPLAINT XXXX ( XX/XX/20 ) CLOSED BUT THIS IS NOT RESOLVED! 

I understand this complaint has been closed but the issue has NOT been resolved! It is no different than when we started in XXXX. We received a letter from XXXX on XX/XX/20 ( dated XX/XX/20 ) that stated specifically the issues and that all was resolved. ( That's when they closed the complaint ) We immediately requested a payoff statement to verify ( dated XX/XX/20 ), and did not receive it until XX/XX/20 and it is STILL INCORRECT. 

PLEASE SEE ATTACHED DOCUMENTS I've attached a mortgage statement from XX/XX/20 showing a principle balance of {$340000.00} - tell me how, AFTER a total of 6 payments ( 4 lumped together on XXXX of {$10000.00} ) and two others ( XXXX & XXXX ) in excess of {$2500.00} each - how can our principle balance now be HIGHER?? Payoff statement dated XX/XX/20 says we owe a combined principle balance of {$350000.00}!!! 

The transaction history shows 3 different times we were credited for the {$7600.00} ( total of the 3 monthly payments ) - but that it was also DEDUCTED 3 times!! So we did NOT get credit for that {$7600.00} paid and the " second mortgage '' is STILL SHOWING A BALANCE of {$7900.00} - when it should never have been created in the first place!

Also, our escrow has not been corrected! What happened to 3 payments worth of OUR MONEY TO PAY OUR TAXES AND INSURANCE?? This was paid in the XXXX lump payment - 3 months of escrow are missing totaling {$1700.00}! 

We had a mortgage audit done not long after our original CFPB complaint. 
I have attached that for your reference. 

PLEASE help us. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent complaints to be disputed to these companies without a response. Please ensure this information gets to the companies in question and is investigated properly
Product: Credit card

I reviewed the consumer report as stated in 15 U.S CODE B '' whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. ' All but XXXX was representing the correct amount. The malrepresentation of incorrect credit information can be serious I would never leave a card with a balance of XXXX dollars the account has been closed for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card was stolen and maxed out and a loan was taken out of my name, .Here are the two accounts though both credit bureaus have different account numbers. I was told by the credit bureau my accounts were investigate it properly why do I have to different account numbers. Where is my signature signing off on this? 

XXXX. XXXX XXXX XXXX XXXX  Account XXXX {$7400.00} XXXXXXXX XXXX  : Account XXXX {$11000.00} XXXX. XXXX XXXX XXXX Account XXXX. {$7400.00} XXXX XXXX : Account XXXX. {$11000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on my credit report ( XXXX, XXXX, equifax ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, Equifax and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, XXXX and equifax XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and Equifax removed but XXXX still didnt remove it
Product: Money transfer, virtual currency, or money service

I am writing to file a formal dispute regarding Zelles inadequate handling of disputes and its failure to protect consumers, which has caused me financial harm. Despite being a frequent user of Zelle, I have encountered significant discrepancies in transactions that I promptly reported to my financial institution and Zelle. Unfortunately, both parties failed to investigate these issues adequately, leaving me without resolution.
Product: Debt collection

Bridgcrest is reporting a auto loan to all XXXX of my credit bureaus with negative information and it has been over 7 years. It is a {$0.00} balance, and according to FCRA negative items should be deleted after 7 years. I reached out to brigecrest and they refuse to remove per FCRA
Product: Debt collection

CitiCard/CitiBank : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from XXXX and Experian saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account is closed and charged off account.
Product: Consumer Loan

The company continuously calls my family and friends starting when I am 10 days late on a payment. They have called these people on much more than XXXX occasion and they know exactly how to get ahold of me.
Product: Money transfer, virtual currency, or money service

I use a Chime card for my direct deposit of my pay. I was waiting on a new card to come in the mail and had a virtual card on my app to use. Which this was the XXXX time I had to get a new card from them because of my card being compromised. While i was waiting on the XXXX new card someone used the virtual card in XXXX Florida and spent XXXX at XXXX XXXX grocery store.I live in West Virginia and I called and reported it.They said they would investigate it. Then later that day I received a call from XXXX that came up on my phone as Chime Financial and I answered it. The man on the phone said he was from Chimes dispute department. I talked to him for an hour and he had me typing in codes he said was going to protect my account. I then realized he was a scammer and I got off the phone with him. I called Chime myself and told them this and in the end I was still denied my money back. I called and had them reopen my dispute and before XXXX hours had passed they already denied it again. Ive called many times to try to resolve this and ever time Im asked to provide them with documentation to help my case. Ive told them I dont have any information on who hacked my account from Florida and that Ive never even been there but still no help from them. I dont understand how it can be denied when it happened so far away from me.
Product: Credit reporting or other personal consumer reports

Have leased XXXX vehicles through XXXX XXXX. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions. XXXX XXXX XXXX XXXX just says to dispute them on credit report. I have disputed them and no change. 

They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. XXXX XXXX is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with XXXX and will never by a XXXX vehicle again. 

While looking into this, I found multiple other people suffering from the same issue with XXXX XXXX. It seems to be a common issue, and I caution anyone to lease a vehicle from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. I contacted XXXXXXXX XXXX to assist me in fixing my credit. They were only able to pull up information from XXXX and XXXX. Equifax was showing that my account was frozen or there was an error. I called Equifax to see if I can solve the issue. Ended up having to call XXXX XXXX times. Each time they said I either haven't had anything to report for the past XXXX XXXX or I have no file opened with them. The call ended with them providing either a fax number or mailing address to send a copy of my social, driver 's license, and proof of residence. When I go onto their site to create an account I get an error code XXXX. I went online to see if I can find answers that way and all I found was frustrated people with the same problem, and the only way this issue was fixed was by submitting a complaint to CFPB, so that is what I'm doing. I know I have plenty to report on my credit, the other XXXX credit reports show up just fine, it's only with Equifax.