23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ally Financial Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Product: Debt collection

They have called me 14 times since XX/XX/XXXX. Left voicemails just saying call back. Have received nothing in writing from them. 

I am not calling someone back who won't provide me legally required documents regarding debt in a month and a half 's time. 

They need to identify what they are trying to collect in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW 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 i have not received verifiable proof of the listed accounts. Please remove account are negatively effecting me. I will attach identity theft report. Thank you
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$390.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for significant violations of my consumer rights, both under federal law and the laws of Florida. My concerns involve several breaches, including : Violation of Federal and State Privacy Laws : XXXX XXXX has failed to provide me with an opportunity to opt out before disclosing my personally identifiable financial information to third parties, such as other financial institutions and consumer reporting agencies. This breach contravenes the federal Gramm-Leach-Bliley Act ( GLBA ) and the Florida Information Protection Act of 2014 ( FIPA ). I had explicitly informed XXXX XXXX that I did not consent to the sharing of my private information. Nevertheless, XXXX XXXX has justified its actions based on its Privacy Policy and Privacy Notice, which appears to misinterpret or misapply the requirements of the GLBA. 

Unauthorized Sharing of Information : I have never entered into any agreement, nor have I authorized XXXX XXXX to share or transfer my personal information to another financial institution. This unauthorized action raises significant concerns. 

Failure to Provide Account Information : I have repeatedly requested a complete accounting of my account from XXXX XXXX, including detailed documentation signed by an authorized representative. Instead, XXXX XXXX has only provided a copy of the Promissory Note. This lack of clarity suggests potential violations of the Truth in Lending Act ( TILA ). 

Violation of the Florida Consumer Collection Practices Act ( FCCPA ) : In my recent notices to XXXX XXXX, I specified that all correspondence should be sent to a designated address, with any mail sent to other addresses being deemed inconvenient and an invasion of privacy. Despite this clear instruction, XXXX XXXX has continued to send mail to an address I have indicated as inconvenient. 

Identity Theft Allegations : Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By sharing my financial information without my consent, XXXX XXXX is engaging in activities that may constitute identity theft under federal and potentially Florida law, as well as employing extortionate means to collect credit extensions.
Product: Debt collection

I have reached out to both XXXX and XXXX who are reporting this debt and I received no response. I reached out to XXXX and XXXX XX/XX/2024 and they immediately removed this account on XX/XX/2024, understanding the severity of this issue. LVNV funding and XXXX XXXX XXXX have purchased this debt and it is an account that was opened fraudulently. So not only are these agencies attempting to collect a debt that I was never notified about, because they can simply show their certified mail receipt showing I was notified and received debt in response to this. This account is fraud, so they are violating my rights by furnishing this.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my personal information  to open  several fraudulent accounts in my name .XXXX XXXX XXXX
Product: Student loan

I received a XXXX XXXXXXXX XXXX XXXX in XXXX. This scholarship either paid for your entire school, or it was converted into a loan if the school or service contract was not completed. I took a year off of school to deploy in XXXX with all intentions of returning to school and picking my scholarship back up. When I returned, I was informed that I could not do that, which was the opposite of what I had been told prior to leaving. I received a correspondence from the Kentucky Higher Education Student Loan Corporation saying that my scholarship, now loan, was in default. I began paying them back, lost a job, and had to stop paying. The KHESLC sued me. We went to court for this matter, since I had the time in service that was stipulated in the contract, and I later received a letter that the matter was dropped. Since then, I have not received any communication from the KHESLC. I have, however, received credit alerts, about once every two years, that I am behind on my student loan payments to the KHESLC. I called the corporation to see what could be worked out, and they had no information on my loan/scholarship/default anywhere in their system. I have tried multiple different ways to get this removed or somehow taken care of, and none of them seem to do any good.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and XXXX XXXX XXXX account number # XXXX, and XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, XXXX and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.
Product: Mortgage

In XXXX XXXX my wife, then a XXXX, sustained a serious injury at work and underwent a XXXX procedure. Since that time she has had numerous surgeries and is still suffering today. She eventually exhausted all of her leave time and was taken off payroll. In XXXX XXXX I retired from my job as a XXXX to take care of her and our young son. Because of this drastic loss in income, we became late on our mortgage. I turned to Nationstar Mortgage for help to no avail. In XXXX XXXX I hired the XXXX XXXX XXXX to help us get a loan modification. XXXX XXXX was assigned to our case and our loan mod request was submitted to Nationstar on XXXX XXXX, XXXX. The review took several months and we were asked to submit many documents which we did in a timely manner. On XXXX XXXX, XXXX XXXX was told that the loan modification was denied due to negative NPV. On XXXX XXXX, XXXX XXXX responded to the decline with a formal appeal proving that we could qualify for a modification due to all of the inconsistencies and incorrect data in the decline letter from Nationstar. On XXXX XXXX, XXXX XXXX received a response to the appeal letter stating that a new modification review had been opened and asking for updated documents. These documents were sent in on XXXX XXXX, XXXX. XXXX called Nationstar on XXXX XXXX, XXXX for an update. She was told by XXXX that they had received the documents and to call back in a few days to see if the file went to underwriting. XXXX called back on XXXX XXXX, XXXX and spoke to XXXX. He told her that the file had been closed out because there was no change in circumstances. There was no mention in the letter that we needed to have a change in circumstances to be reviewed again. XXXX also said that the modification had been denied due to property value, not income. On XXXX XXXX, XXXX XXXX spoke with XXXX who told her that the modification was denied due to income. At this point we are very confused as to exactly why we were denied. This is very unfair and we are probably going to end up losing our house because of this. We feel very strongly that we are able to make our house payment if Nationstar would help us with the past due amounts. With my wife 's illness it would be a severe burden to have to move. We do not want to disrupt our son 's life by removing him from the home he has lived in his entire life.
Product: Student loan

After 9 years of consecutive payments, I am still unable to get my co-signer released from the terms of the loan I was approved for to attend XXXX, as well as not qualifying for any income based repayment, loan forgiveness plans, or any benefits that are provided to federal student loans ... although my loan is owned by Wells Fargo- a major banking institution.
Product: Mortgage

I applied for a loan modification with ASC. I was not late when I applied for the modification and I was not late on making payments during the modification period or now. I received an approval for a trial modification and was told specifically what amount and what dates the 3 trial payments had to be made to be approved for the loan modification. The letter from ASC was very clear. I called my assigned home preservation specialist and was told that I did not have to make a payment in XX/XX/XXXX ; that I would make my first trial payment in XX/XX/XXXX. I made my payments either on time or early. I was not approved for a HAMP modification in part because my loan was not in default and because my mortgage payments were not delinquent. I was approved for a non-HAMP modification. ASC reported me late to the credit bureaus and as a result the credit card company that I primarily use cut my available credit line down by XXXX %. ASC did not act in good faith and fair dealing with me and their reporting me late to the credit bureaus when I followed their written instructions and the verbal instruction of their representative is a deceptive and harmful business practice.
Product: Credit reporting or other personal consumer reports

Hi, I am having an issue with XXXX Citibank XXXX 

my card was closed back in XX/XX/XXXX, my last payment to them was made on XX/XX/XXXX XXXX since then my account has been closed, but in XXXX of XXXX they field with XXXX stating I am 180 days late in XX/XX/XXXX. 

how is that possible if my account has been closed since XXXX
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 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 These accounts, have 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 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.
Product: Mortgage

I have a Town Home in Hawaii and my ex-husband and I rented it out when we left Hawaii in XX/XX/XXXX to go overseas to work in XXXX on a XXXX. The earthquake that occurred XX/XX/XXXX in XXXX was unexpected and put our family under hardship and we had to leave XXXX un-expectantly and are now living overseas. As a result, we have been struggling to make payments as the family hardship with the evacuation from XXXX 's natural disaster took its toll on us financially. 
We have been working with the lender over the years to attempt to do a short sale and have had an attorney assisting us. However, the bank has always declined our offers. We have recently received XXXX offers on the townhome ; one cash offer and need a response from the lender. The lender 's legal representative XXXX XXXX XXXX XXXX XXXX XXXX was asked by my attorney to provide feedback and official pay off amount, so we can progress with a sale. Based on the offers we have in hand, I do not believe the bank will lose any money, but I can not be certain without information from them. The request for information was asked for on XX/XX/XXXX and we were assured we would have a response within four days. It has now been over a month and we still have not received anything. I have called them personally as well as my attorney and no one is getting back to us with information. We are going to lose these buyers and I have been notified today XX/XX/XXXX that the cash offer has withdrawal, so we have lost our guaranteed sale. 
It is my understanding that the loan is held by OCWEN. I am looking for timely responses from both OCWEN and their legal representation, so we can get this townhome sold and these accounts settled. 
We are feeling that they are treating us unfairly and we have now lost a very good opportunity to recover some of our financial results of our hardship. At the end of the day, we are trying to do the right thing and six weeks of silence is unprofessional, unfair and a little confusing, which leads me to believe it is a deliberate action by OCWEN and their legal representatives.
Product: Checking or savings account

Ive been waiting for my direct deposit since Wednesday. Not only is it not in my account today ( Friday ) but i also have not received any information about this until Thursday night, with no actual ETA. I have been on the phone for hours and after 2 1/2 hours i was able to get someone who told me they are sorry and checks w be out soon. This is the same thing they have been saying since forever. 

I have not been able to access my accounts, all on {$0.00} when i KNOW my accounts are not on XXXX XXXX
Product: Debt collection

I am having financial difficulties and XXXX XXXX XXXX continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.
Product: Debt collection

I am submitting a formal complaint against I.C. System, Inc., a debt collection agency, and XXXX, the credit reporting agency. The issue stems from a modem/router combo that I returned on time to AT & T U-Verse in early XXXX. Unfortunately, I was not credited for the return, leading to a charge of {$450.00} for the equipment. This debt was subsequently sold, and a collections agency named XXXX pursued me through the credit reporting agency XXXX. I disputed the collection with XXXX, and they conducted a thorough investigation, ultimately ruling in my favor by declaring the collection invalid. 

However, my struggle did not end there. I.C. System, Inc., yet another debt collection agency, opened a collections account with XXXX on XX/XX/XXXX. Frustratingly, I have made XXXX attempts to dispute this collection with XXXX, both through online channels and over the phone, but their responses were not helpful at all. The first time I raised the dispute, XXXX got back to me within a few days, only to offer an unsatisfactory resolution. The second attempt was even worse, with a response received in less than XXXX hours that did not address the issue adequately. The third time around, the outcome remained unchanged, leaving me extremely dissatisfied. 

I strongly believe that my rights under various XXXX Codes have been violated in this situation. For instance, as per 15 USC 1681s2 ( A ) ( 1 ) A, no person or agency should provide inaccurate information to a consumer reporting agency, which seems to have happened with I.C. System, Inc. 's actions. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly states that consumer reporting agencies like XXXX should not include any adverse item of information in a consumer report without proper authorization, which I did not XXXX. 

I.C. System, Inc. and XXXX have been uncooperative, making it incredibly challenging for me to resolve this matter, despite the previous ruling by XXXX in my favor. I am now filing a complaint with the Consumer Financial Protection Bureau to address these grievances and seek a fair resolution. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Please investigate this matter and take the necessary actions to ensure that my rights are protected and that the inaccurately reported collection is removed from my credit report promptly.
Product: Debt collection

After reading your information, I called AST Recovery and left a message that I am not the person they reference and to remove me from their inquiries. 
I will now wait to see if this works, thank you
Product: Money transfer, virtual currency, or money service

I sent money through Zelle on XX/XX/XXXX in the amounts of XXXX and XXXX. They said it would be refunded back to me and it has not. I have already contacted my bank. I have all the correspondence stating they would refund it to me.
Product: Checking or savings account

I initiated a TRIAL service with a company called JUST ANSWER on XX/XX/2020. On XX/XX/2020 a payment was deducted from my checking account in the amount of {$5.00} for the services I received. On XX/XX/2020 {$46.00} was unexpectedly deducted from my checking account. I contacted JUST ANSWER to request a refund and confirm I want no part of their services any longer. They could not find my account stating my email address was incorrect. I was on the phone with them for quite a while and a supervisor was to call me back within 1/2 hour. I received no call within 1/2 hour. I did receive numerous calls from the company with the automated prompts but that only took me back to the regular customer service. On XX/XX/2020 I again had {$46.00} deducted from my checking account. I called JUST ANSWER again requesting a full refund for all funds and discontinuation of any membership. I was told they could not provide a refund. I requested, again, a supervisor. A representative named XXXX contacted me from their escalations department. She again stated they could not refund any monthly membership payments but could cancel my membership which still showed as active. She stated I should have cancelled the membership within 7 days of the initial inquiry. When I initiated my activity with JUST ANSWER, I explained I wanted no continued services and I also contacted them on XX/XX/2020 cancelling any membership services. I have no confidence they will not charge me again in XXXX. I should not have to change my bank account number to resolve this membership deduction.
Product: Mortgage

My HOI is paid in XXXX and taxes in XXXX but Flagstar continues to review my escrow account in XXXX every year and whenever there are changes I get hit with a shortage. I just want them to align the escrow review with when those bills come in each year so I dont continue to have a shortage. I also want them to only keep the required 2 months of each in escrow rather than the 3 months.