23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Subject : Formal Complaint against Merchants & Medical Credit Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Merchants & Medical Credit for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Merchants & Medical Credit placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Merchants & Medical Credit, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Merchants & Medical Credit provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Merchants & Medical Credit is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Merchants & Medical Credit is blatantly false. I neither received any services or products from Merchants & Medical Credit nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Merchants & Medical Credit is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Merchants & Medical Credit constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited funds totaling {$40000.00} to qualify for Ally Bank 's 1 % extra back up to {$1000.00} on new money deposited program. 

I met all of the qualifications and the bonus was not paid. 

I called Ally on XX/XX/19, and they were not able to pay the required bonus by XX/XX/19, nor were they able to tell me why. 

XXXX XXXX Phone number XXXX The accounts involved Account # XXXX Account # XXXX Please help me. 

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

n accordance with the Fair Credit Reporting act Convergent Account # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/28 I did on online deposit to my Capital One bank account with a check issued by XXXX XXXX XXXXXXXX XXXX he amount of XXXX. There seems to be a glitch in the system but by hte end it looked like it went through, On XXXX I checked my account and the funds were not there. Thinking the glitch was the issue I redeposited the check. On XXXX that check was returned as a duplicate submission however I still did not have credit for the funds in my account On XXXX I called the Capital One they asked that I call the issuer ( XXXX XXXX and XXXX XXXX XXXXXXXX ) and see if the check had cleared the bank. They send me a copy of the cleared check stating that the orginal deposit on XX/XX/28 had been received and that Capital One in fact had my funds on XXXX from the orginal deposit. The back of the cleared check clearly shows the funds went into Capital One on XXXX R/T XXXX Seq number XXXX on XXXX there are more numbers R/T XXXX and sequence number XXXX I called Capital One again and was told I was wrong there was no XX/XX/28 deposit. I offer to send a copy of the check they said they did not need it, that there was no deposit. That I should not have credit. I escallated, was told the same thing. I called back again and they again pretty much said I was wrong. Again I asked to just emaila copy of the check so we could look again they told me no. I asked to go up a superivosr level and was told no. I asked to speak to another rep and was told hang up and call back. I will admit I was rude as this is XXXX and I was frustrated, I had been patient for two weeks., Captial One clearly has the funds in their system. They are holding my money without my authorization in effect stealing my money. I am not sure what to do at this point hence the compalint. Please help me get my funds, I can not ask them to reissue the check as it has already cleared the bank. I have copies of all documentation but Capital One will not consider looking at it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking These transactions was infeasible.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERENCES are any payments. Whether good or bad, late or on time.
Product: Credit reporting

An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. 
I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. 
I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX XXXX are reporting late payments on my auto loan account XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. 
I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 
Thank You
Product: Credit reporting or other personal consumer reports

there are a couple inquiries in my profile i do not reconize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Is citation number I found out that I had a ticket years ago for riding a bike on wrong side walk but really I just was unlocking bike and cop illegally searched me I asked why and got that ticket which I thought was payed off using XXXX program which I wanted to fight but I was poor at the time. since then I obtained license there was no Holds and I never received notice or anything that I still owed anything and GC services took my tax refund without notifying me at all not one notice not one call not one letter and I honestly feel like they should have let me know some kind of way in advance instead of intercepting my tax return which in my opinion is the equivalent to a bully taking your lunch money everybody please move out of California you dont have to put up with this and they took my whole refund and I didnt even owe that much on the ticket
Product: Credit reporting or other personal consumer reports

Pursuant to 18 U.S.C 8, I owe no debt ( s ). 

My name is XXXX XXXX XXXX My name is NOT any of the following nor do I have any A.K.A. names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX  Any other address is NOT associated with me, XXXX XXXX XXXX 

I, XXXX XXXX XXXX, has never lived/resided at any of the following NON-MAILABLE addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX In accordance with the Fair Credit Reporting act, the list of accounts below are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This company is violating my federally protected consumer rights to privacy pursuant to 15 U.S.C 1681b ( 2 ) which states, in accordance with the written instructions of the consumer to whom it relates ; this company also has NO permission to report ANYTHING using my information pursuant to 15 U.S.C 1681 4 which states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting

On all XXXX credit bureaus reports I have fair credit because they state I do not have a long enough credit history. They have left off one of my credit cards, XXXX XXXX, which I have had since 1993. Would definitely bring my average credit history up.
Product: Student loan

In early XXXX, I applied for all XXXX of my XXXX XXXX XXXX XXXX MOHELA to be put on the XXXX XXXX XXXX XXXX anticipation that XXXX would become XXXX On XX/XX/XXXX, all XXXX were approved for XXXX. On XX/XX/XXXX, I received a letter saying only XXXX of my loans were switched to XXXX, while the other XXXX were still on XXXX. I received no follow up emails. On the weekend of XX/XX/XXXX, I logged into MOHELA to check the status of the loans, and say that the XXXX that were on XXXX were switched to XXXX without any notification. The payment amount is somewhere around XXXX what it would be under XXXX. I called them on XX/XX/XXXX to try and rectify the issue, and was told that " there is just no notes on the account so they can't see what happened. '' and I would need to re-apply for XXXX. They made no guarantee this same thing would not happen again, or that the I would be approved in time of my forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX several times over the past year to dispute a state lien that's presently showing on my credit report. I've disputed this indicating that this doesn't belong to me. I've asked for the specific information used that indicates that this belongs to me and XXXX will not provide that information to me. I've also asked that this information be removed because of it's inaccuracy, yet my only responses have been, " we've already investigated this item ''.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX regarding the inaccurate reporting of a debt and the improper investigation by XXXX that occurred following my dispute. Below are the details of my complaint : **1. Inaccurate Information on Debt Collection : ** I have discovered that Debt RecoverY Solutions is reporting inaccurate information related to a debt listed on my credit report. Specifically : - The debt listed is an account I do not recognize. 
- The original creditor for this debt is XXXX - The amount stated by the debt collection agency is {$2000.00}. However, I have no recognition of this debt. 

I have attempted to resolve this issue with XXXX XXXX XXXX and XXXX directly, but the information continues to appear inaccurately on my credit report. 

XXXX. Improper Investigation After Dispute : ** On XX/XX/year> I formally disputed this debt with XXXX XXXX XXXX through an online dispute. Despite providing clear evidence that the information was inaccurate, the debt collector and XXXX failed to conduct a proper investigation and did not update or correct the reported information. 

Specifically : - I did not receive any acknowledgment of my dispute within the time frame specified by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
- The investigation conducted by XXXX was insufficient and did not adequately review the documents and information I provided. 
- No new information or explanation was given after the dispute was filed, and the debt continued to be reported inaccurately on my credit report. 

**Request for Resolution : ** I request that the CFPB investigate this matter thoroughly. I am seeking the following resolutions : 1. A correction of the inaccurate information being reported by XXXX XXXX XXXX to all relevant credit bureaus. 
XXXX. A full and proper investigation of my dispute, with proper communication and acknowledgment of my evidence. 
XXXX. Any necessary action to ensure that XXXX XXXX XXXX and XXXX comply with all relevant consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue, removing this from my credit report, and ensuring that my rights are protected.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

I'm writing to challenge the XXXX listed on my credit report. I have a letter from the court stating that this XXXX should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, the loan originator XXXX XXXX XXXX and Paramount Residential Mortgage Group, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and Paramount Residential Mortgage Group XXXX XXXX was suggested, the loan originator XXXX XXXX XXXX pulled our credit on XX/XX/2021 through the XXXX XXXX XXXX for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 XXXX XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through XXXX XXXX services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! XXXX XXXX.
Product: Credit card or prepaid card

Made a charge on XX/XX/22. 
Filed charge dispute on XX/XX/22 with Avant credit card. 
Was told of varying time frames from Avant as to when the dispute will begin. 
XXXX XXXX Avant did send a letter requesting common information that I could not be home to readwas away from home for six weeks due to death in familyso I missed the deadline to render the information. 
XXXX XX/XX/22 Avant sends a letter denying the dispute due to my not getting back to them. 
Ive called several times, left messages.NEVER A RETURN CALL, MY CALLS WENT YO AN ANSWERING SERVICE.NEVER A CALL OR EMAIL! 
Ive filed recently a CFPB complaint that has never addressed avants lack of communication and Avant never mentioned my attempts to contact them. 
A {$95.00} purchase ballooned to {$150.00} with fees/penalties. 
XX/XX/22 Ive remitted the {$150.00} to Avant because of PHONE CALLS AND EMAILS FOR COLLECTION OF DEBT BUT AVANT NEVER RETURNED MY PREVIOUS CALLS WHEN I WANTED TO RENDER THE PREVIOUSLY REQUESTED INFORMATION/APPEAL THE DISPUTE DENIAL! 
I missed the mail and their one call due to poor telephone reception. 
Furthermore avants call service is overseas and poorly pronounced English.very difficult to understand. 
To add insult to injury all of this happened during a time of bereavement andthe website I made the purchase fromduring all of this .it closed with my information. 
With my Avant credit card number. 
And on XX/XX/22 I called Avant to put a block on my card. 
Today when I made the paymentmy card wasnt blocked. 
I dont want another softball answer, I want them fined/punished and my {$150.00} refunded. 
And I XXXX  Avantthey do have a fraudulent history.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a bill from my XXXX credit card charging several purchases from the XXXX XXXX with a total of {$5400.00}. I did not make any of these purchases, and explained the fraud to XXXX, and closed my account with them. On XX/XX/XXXX, I went to Chase bank and then discovered that {$6500.00} was taken out my Chase account without notifying me, and that the money went towards the same XXXX bill from the fraud purchases from the XXXX XXXX. I informed Chase, closed my account, and notified the police. The police report said that the items were purchased with the XXXX card and money from my chase account was taken out to pay it off, and shipped to an address in XXXX, and they are still investigating it. XXXX has yet to refund me back my money, and told me that they need a statement from Chase confirming that there was fraud. Chase, however, refused to give me the proof even though I have contacted them multiple times all year since then, and because of this, I still have not got my money back.