23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the illegal repossession of my vehicle and the unauthorized disclosure of my personal information by Townebank. These actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692f, which prohibits unfair or unconscionable practices in the collection of debts. On XXXX, my vehicle was repossessed by XXXX XXXX acting on behalf of Townebank. However, at the time of repossession, the proper procedures required for repossession had not been followed. I did not receive any communication on repossession of my vehicle. The last communication I received as I was trying to make a payment was on XXXX XXXX via email with a rep by the name of XXXX XXXX XXXX. I asked numerous times for a link to make a payment, and the rep continued to ask about when the next payment was going to made and refused to send a link. I have the email transcript if needed for verification purposes. The only thing she stated was that I needed to make a payment of XXXX by XXXX or to surrender the vehicle. Again, I asked numerous times for a link to make a payment in which I never received. After not receiving the link, I reached out to a lawyer to get guidance as I felt they were giving me the run around to make a payment and still repo my car. That same day I retained a bankruptcy lawyer due to my financial situation due to becoming XXXX  and the car being in 2 accidents in the month of XXXX of this year. I have not received any letter or correspondence from Townebank after that regarding the repossession of my car. Once the car was repossessed, I reached out to get a amount to pay to retrieve my vehicle back and was advised that in order for me to get the car back I would have to pay the remaining balance that was owed as well as where to retrieve my belongings out of the vehicle. The car would have paid off in less than a year. Prior to me XXXX XXXX  which caused my financial hardship I paid my car payment monthly. Under 15 U.S. Code 1692f ( 6 ), it is illegal to repossess property when there is no present right to possession, and I believe that this standard was violated in my case. Additionally, it has come to my attention that my personal information was disclosed to a third party without my knowledge or consent during this process. The disclosure of my information to unauthorized parties constitutes a serious violation of privacy laws, and I did not provide any permission for such disclosure. I demand an immediate investigation into this matter
Product: Debt collection

XXXX XXXX XXXX XXXX SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING SYNCHRONY BANK SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a check mobile deposit. I looked at my account on XX/XX/XXXX and the funds have not been received. I did not receive any communication from Ally about why the funds had not been deposited, which they confirmed to me when I contacted them on XX/XX/XXXX. They said they were not sure why I was not contacted and asked me to resubmit the mobile check. 

This seems like a lapse of judgement somewhere on Ally 's end. I don't know if this impacts truth in savings laws, but I was expecting interest to be earned on this deposit and to see that they were just sitting on a response without notifying me saddens me.
Product: Debt collection

Law firm ( named below ) garnished checking account on XX/XX/20. I had sent exemption form in prior to this. Sent required documents ( exemption form, bank statements and case numbers of eligible government programs received ) on XX/XX/20 and XX/XX/20. Law firm is now saying they need more information. 
( XXXX XXXX, Attorney RODENBURG LAW FIRM XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, ND XXXX Tel : XXXX, ext. XXXX | Fax : XXXX | Email :  XXXX )
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Product: Checking or savings account

I'm trying to close my IRA and transfer the funds ( about {$3700.00} ) to my checking account with Citibank. I first visited a branch in XXXX XXXX XXXXXXXX XXXX  in early XXXX and advised it could not be done at a branch. 
I was given XXXX pages of forms to complete and send to a processing center in XXXX XXXX, XXXX which I did on XX/XX/2023. When nothing happened after about XXXX weeks, I called them and was told my SIN on the forms did not match their records. I doubled checked it with the rep over the phone and was told there was nothing they could do and hung up on me. I called back and got the same result. 
Last week I then went to the the Citi branch at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX for assistance and my actual Social Insurance card to show the number matched that submitted on the original forms. After much delay and confusion they could not help me. 
I'm entirely frustrated by Citi 's inability/willingness to make my retirement savings accessible after numerous attempts and without any explanation. 
This is obviously a relatively small amount, but for comparison I was able to withdraw IRA funds from a XXXX XXXX branch getting a cashiers check for a much greater amount and in under XXXX minutes.
Product: Mortgage

Nationstar Mortgage has told me 3 times over the phone that they would reverse a late fee charged to my account back in XXXX. Last XXXX, I was hit with a {$64.00} late fee because my electronic payment from my bank was delayed XXXX day due to a holiday weekend. Nationstar applied the additional principal I pay on my mortgage each month to the late fee until it was paid in full. I told Nationstar it was not fair to charge me a late fee because the bank was closed on a holiday. They told me in XXXX it would be reversed ( This was my first late payment since the account was opened in XXXX of 2013. My payments were all auto payments from my bank from the beginning. ) and as of today they have done nothing to reverse the charge. They keep stringing me along whenever I call or e-mail about the fee reversal I was told would be done telling me that they are reviewing the issue and will give me an answer the next month and they do n't.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXXL : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  XX/XX/XXXX XXXX XX/XX/XXXX 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 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 XXXX 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.
Product: Debt collection

Contacted United Revenue Corp regarding {$290.00} debt that they state is owed for XXXX XXXX XXXX XXXXXXXX for XX/XX/2013. XXXX XXXX XXXX XXXXXXXX state that they did not have any accounts in 2013. XXXX XXXX XXXX is unable to send proper documentation regarding their stated debt. There are no signed contracts. United Revenue Corp is  incorrectly reporting to my credit report.
Product: Credit card

I have XXXX credit cards with the same company. Milestone and Destiny from Concora. They raised the fee for each card to XXXX each. I cancelled the cards but I find it to be wrong. People trying to build credit up shouldnt be charged like that. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In a attempt to have my credit report 100 % accurate and 100 % complete which is my right per the FCRA. I have disputed several errors on my credit report. Specifically regarding my XXXXXXXX XXXX XXXX XXXXXXXX account which has several errors including wrong dates, missing trended data and several months of missing payment history. I have detailed in my dispute letters and over the phone the errors that are reporting on my report. I have also included enclosures highlighting exactly what errors I am referring to. I have disputed a total of 6 times including once through my attorney and once through the CFPB and they have yet to correct these errors. If they will not correct this information this account must be deleted per the FCRA. I have gave them every opportunity to correct this information but they have willfully neglected their lawful duties to only report 100 % accurate and complete information. This is a very frustrating process and this is causing me great stress trying to resolve this. I have attached the dispute letter I first sent out XX/XX/XXXXXXXX  and also the letter I sent out in XXXX of XXXX. These letters are very detailed and Transunion should have had no issues identifying and correcting these errors. This is my last attempt to try to handle this situation. As I stated earlier, this stressful situation is taking a XXXX, physical and emotional tole on me and my family. If Transunion does not do what their legal obligation requires them to do and either fix this inaccurate and incomplete information or delete this account I will be forced to handle it through litigation.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX XXXX XXXX XXXX on my credit report that does not belong to me. 

I am a victim of Identity theft. Please find attached both police reports from XXXX and XXXX. 

I hired a credit repair company in XXXX to help me fix my credit, in turns they got my money never helped me and wind up opening accounts in my name that I didn't learn about until I was buying my home. 

I've been disputing these accounts for 5 years. XXXX of XXXX Experian deleted both accounts, in XXXX of XXXX they added both account back. 

In XX/XX/XXXX they reported close date in XXXX ( Please see Attachment ) On my current credit report it says accounts closed XXXX of XXXX ( Please see Attachment ) They're the only ones that are reporting these fraudulent accounts. 

Also they're reporting XXXX addresses I never lived at on my credit report ( Please See the Yellow Highlighted Addresses In the Attachments ). 

I never opened these credit cards or authorized anyone to do so. 

According to the CFPB for identity theft I did all steps and Experian won't comply, please show me how to sue this credit bureau : What do I do if Ive been a victim of identity theft? 
XXXX XXXX If you are a victim of identity theft, place fraud alerts or security freezes on your credit reports, file a report at XXXX, and take steps to protect your credit history and finances. 
Closing accounts and contacting the police If you are currently dealing with identity theft, there are important steps you can take right awayincluding closing your accounts and reporting the identity theft to the police. Visit the XXXX XXXX XXXX and XXXX to learn more. 
Protecting your credit Contact any one of these three nationwide credit reporting companies XXXX, Experian, or XXXX to place fraud alerts and security freezes on your credit reports :
Product: Debt collection

A check to pay my Conn 's XXXX XXXX account was mailed on XX/XX/2020. They received a check in the amount of {$670.00} and it was deposited to their account with XXXX XXXX. It was deposited on XX/XX/XXXX and the account number was written on the check. I have called Conn 's 21x since XX/XX/XXXX because they kept claiming they never received it. I placed a trouble ticket and after my 15th call someone finally escalated the issue. I uploaded the check to prove that Conn 's cashed it. I have been calling every other day and the only response I receive is that they are working on it. Meanwhile, the interest keeps accruing. 

The check was mailed to the address listed on their website in XXXX, TX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, Online I logged into my Equifax account to review my credit file. The report date shown by Equifax was XX/XX/XXXX. As I am reviewing my credit file listed under " Installments Accounts '' Equifax is reporting XXXX negative closed accounts. The First  account is XXXX XXXX which has been reporting for more than the legally required XXXX years on Equifax credit file since XXXX of XXXX, Again, listed on my credit file under " Installment Accounts '' Equifax is reporting XXXX duplicate closed loan accounts with no account numbers from XXXX XXXX and all are negative and closed also the date openings listed are a month apart for XXXX XXXX. What loan company will let a consumer default on XXXX loans? 

Finally again, listed on my credit file under " Installment Accounts '' Equifax is reporting XXXX duplicate closed loan accounts from XXXX XXXX and all are negative and closed also the date opening listed is a month apart for World Finance. What loan company will let a borrower default on XXXX loans? After a borrower defaults on the first loan, no finance company in the U.S. will allow you to take out a second loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, a XXXX XXXX XXXX XXXX, for their failure to respond to my debt validation request within the mandated 30-day period, as required by the Fair Credit Reporting Act ( FCRA ). Experian 's non-compliance has infringed upon my consumer rights and caused significant distress. 

On XX/XX/2023, I sent a debt validation request to Experian concerning inaccurate information on my credit report. As a consumer, I have the right, under the FCRA, to dispute any information I believe to be inaccurate or incomplete. Accordingly, Experian is obligated to conduct a prompt and reasonable investigation into my dispute, ensuring the accuracy of the information they maintain. 

Despite my adherence to the prescribed procedures and providing all necessary information, Experian has failed to acknowledge receipt of my debt validation request or initiate an investigation within the legally mandated 30-day period. This failure to respond is a clear violation of the FCRA and is detrimental to my consumer rights.

By not responding within the allotted time, Experian has denied me the opportunity to correct inaccuracies on my credit report, causing unwarranted harm to my financial standing and overall lifestyle. The inaccurate reporting has adversely affected my ability to secure credit, obtain reasonable interest rates, and pursue various financial opportunities.
Product: Credit card or prepaid card

Signed up for a XXXX XXXX credit line. It is through Synchrony bank. Used it for a {$1000.00} transaction with no issues. This evening, I tried to use it through the XXXXXXXX XXXX app and received a text from " XXXX '' stating I needed to verify my identity, and if I press 1 a person would call me. I received a call and the person stated that in order to verify my information, I would need to verify a code in an email he would send me. I then received an email from XXXX, which I understand is legitimate. He said to validate my identity I would need to click a link in a text he was sending me. I then got a text from XXXX, with a link to XXXX XXXX XXXX XXXX XXXX XXXX 

On this page, I was guided through an invasive identity verification that included uploading a front and back picture of my driver 's license, as well as a 5 second video of my face. Again, horribly invasive. That's not my complaint, though. After it turned out that they didn't need that information, they wouldn't or couldn't provide me and kind of verification that the pictures of my I.D . would be purged from their system. I spoke to two separate " supervisors '' regarding this. The first one said he would submit the inquiry to his I.T. but then hung up when I asked for the ticket number, and the second, XXXX XXXX extension XXXX ) stated that they were unable to create tickets, and had no avenue by which to discover the information was purged. She was also unable to provide the ticket number identifying the particular call we were on, and simply said " We don't make tickets ''. To me, this is a gross and negligent mishandling of customer PII. XXXX tracking? Unnecessary requests for personal data? Offering XXXX assistance in validating this data was purged? The upload completed. They received the pictures. I'm cleared for FTC. I understand the weight put upon protecting XXXX. Please investigate this.
Product: Mortgage

We have been trying to work with Ditech/Green Tree since XX/XX/XXXX to request a loan modification. Each time a package was received, Ditech would request additional information via mail, we would provide the requested information, they would say that the originally submitted information was out of date and deny the application based on an incomplete application. 

They have twice filed for foreclosure, both times while a loan modification request was being considered. In XXXX of this year, we had a hearing with a Judge on the foreclosure and based on the information submitted the lender was required to review our documents for eligibility. We received a denial letter, and that denial was based on a bankruptcy that was discharged in XXXX. We were offered no process or opportunity for appeals, even after we requested such from the lender. 

I believe that this lender has not complied with the requirement of RESPA or FHA when it comes to evaluating the property for options for loss mitigation. We experienced a temporary loss of income when this happened, however after it became 90 days delinquent they would not accept additional payments from us, which has created a snowball effect of late payments. 

Any help you can provide is greatly appreciated.
Product: Debt collection

I had an account from XXXX showing on my credit report from XXXX. I disputed the debt and ask for proof since I've been a victim of identity theft and have filed with the FTC about this issue. 3 credit bureaus investigated and agreed the debt was not mine and removed it from my credit report. It was removed within the last 6 months. 

I was contacted by Halsted Financial Services , LLC XXXX XXXX XXXX XXXX, IL ( XXXX ) XXXX By text message on XX/XX/XXXX about the same debt with XXXX from XXXX. I replied to the text message advising they cease contacting me and still have the exchange for proof. I have since received emails on XX/XX/XXXX and XX/XX/XXXX about this debt, replying both times with a demand to cease contact. I recieved a phone call on XX/XX/XXXX about this debt after telling Halstead they don't have permission to contact me. Both XXXX and Halsted Financial have not provided any proof and have been given a cease contact request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory on my credit report from BERLIN-WHEELER-KS XXXX Opened XXXX in the amount of {$850.00} on behalf of XXXX XXXX  XXXX XXXX. 
I have not lived in oklahoma since 2013 and i have never used XXXX XXXX  in any way shape or form. Have attempted multiple to call to get this taken care of and i was redirected to XXXX i filed this as fraud to be taken out my report. And my report key number : XXXX. Havent heard any feed back in months and have no access to report. All credit bureau have attempted to get this resolved but business is adamant in resolving this. Please i would like for this to be resolved and taken off my report as i have never conducted business with set entity.
Product: Credit card or prepaid card

On XX/XX/XXXX My credit card was charged : {$89.00} by XXXX without my purchase or permission.

On XX/XX/XXXX I identified that approximately 35,000 Reward Points had been removed from my credit card point program.