23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question.

5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX.
Product: Student loan

I have been dealing with the company XXXX for a year and a half. In that time, I have had to contact them MULTIPLE TIMES as to the fact that 1 ) I never receive a bill and 2 ) the fact that they report me as being late to credit agencies when the bill is not even due. I made a report to this agency about this XX/XX/2019 and they lied to you saying that they had not reported me as being delinquent in my payments to the credit agency when in fact they had. Someone really needs to investigate this company.
Product: Credit reporting or other personal consumer reports

I sent a previous complaint and my issue is still not resolved, I need this issue resolved asap.
Product: Checking or savings account

I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check charge in the amount of {$23.00} when my account never went negative and the balance ended at {$58.00} on this day. I contacted the bank and spoke with XXXX and the XXXX and was told it was because of a pending {$8.00} XXXX XXXX charge. Even if that were true it still does not bring the account to a negative balance. The refused to give me the phone number to corporate or speak with anyone else regarding this matter. I was charged a fee incorrectly and they have done nothing to resolve this matter. I have been a customer of BofA since XX/XX/XXXX and this makes no difference to them.
Product: Credit reporting or other personal consumer reports

I received a copy of my updated score for my credit report and noticed an account was added to my report XX/XX/2024, that does not belong to me. That account is XXXX XXXX  XXXX in the amount of {$2400.00}. I have included this account in my Identity Theft Report.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone cleaned out my unemployment account ( managed by bank of america ) through an ATM. My card has never been out of my possession and I have no idea how they spoofed my card or obtained my PIN number as I'm extremely cautious. 
I reported it immediately to Bank of america, created a fraud claim and requested a new card, that I paid extra to have expedited. 
Upon receiving my new card I was unable to activate it. I was also no longer able to log in to my account online. 
Instead of investigating the fraud, Bank of America froze my account. 
They told me it was frozen by Nevada Unemployment ( XXXX  ) and that I'd have to contact them to unfreeze it. 
After hundreds of calls to the impossible to reach XXXX, I was informed by an unemployment employee that Bank of America has frozen tens of thousands of accounts, and is requiring XXXX  to verify the identity of each individual before they will unfreeze the account. BofA is overburdening an already overburdened system and leaving tens of thousands of unemployed people in an even more dire situation than they were already in due to Covid closures. 
I received a letter from Bank of America that stated simply that my fraud claim has been denied. 
I have filed a police report regarding the theft from my account, and no action has yet been taken. 
I made an effort to obtain the ATM security video from the bank of america branch where my money was stolen, but was told that because my account is frozen they can not access the info they need in order to review the video. 
I've been researching this issue and have connected with dozens of other victims ( out of tens of thousands ), and due to the timing and scope of this issue I have come to believe that Bank of America must have had a data breach sometime in XXXX that they didn't report. This caused tens of thousands of already struggling unemployed people to become victims. To cover their losses, bank of america is putting up roadblocks making it nearly impossible for us to unfreeze our accounts. 
Somebody, please! Needs to look into this and help us. Some of us have been fighting this for a couple of months to no avail.
Product: Mortgage

A letter dated XX/XX/2023 was sent to me from XXXX indicating that they had a data breach on XX/XX/2023 and that I was XXXX of the people compromised. 

XXXX has done this numerous times in the past. Lakeview who in part of an umbrella of companies doing business and getting hacked regularly is the company who hired XXXX to service my mortgage. 

I was offered a XXXX XXXX  credit monitoring service free of charge. But I have to input all of my current information on the website of that company. I do not trust them. 

XXXX is not protecting the consumer 's information. So far I have had to freeze all three credit bureaus, get in touch with Social Security, get a police report and contact Chexsystems.com to stop any more attempts at opening new accounts under my name. 

I was contacted by a detective from a XXXX XXXX telling me that they had raided a home regarding insurance fraud and car theft and numerous driver 's licenses including ones that looked like mine but with someone else 's photo were found. 

XXXX XXXX sent me an email telling me they were processing my new checking account application. I did not apply for XXXX. XXXX and XXXX XXXX XXXX were telling me that they are processing my new credit card requests etc.. I had not applied for that. 

Needless to say my life has turned upside down.
Product: Credit reporting, credit repair services, 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. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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: Vehicle loan or lease

Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. 

I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. 

Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. 

I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. 

We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then 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: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been imposed in error, as I am certain that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Having been a loyal PayPal user for an extended period, I have consistently upheld PayPal 's terms and conditions. It is of utmost importance to me to maintain a trustworthy and positive relationship with PayPal, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that such a review will uncover a misunderstanding or error. I am prepared to provide any necessary documentation or information to substantiate my appeal. The reinstatement of my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue utilizing PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly anticipate a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently applied for a loan modification from Wells Fargo. 
First I was told they would n't accept my application but needed to go through a " re-entry interview '' I complied with that and my application was accepted. 
Then in the space of just 3 days I received 4 letters. 2 letters were dated on XXXX XXXX of this year : one stated that I should submit the required documents, the other stating they received all the documents. A letter from Wells Fargo dated XXXX XXXX stated they reviewed the information and my request was denied as the NPV ( net present value ) evaluation results did not support a modification and that I had already received the maximum number of modifications. No other details were given that could help me understand their decision. 
Finally a letter dated XXXX XXXX stated I was approved to participate in a short sale. 

Going back a bit, in 2013, I was given a loan modification, my only one but with an interest rate of 6.125 %. I accepted those terms at the time but am now unable to afford my payments. I am not earning as much income as I was before and am struggling to keep my home. 

I was also told the investor would not accept additional modification requests but was not informed who the investor was. 

I desperately want to keep my home. I tried calling the assigned relationship manager and was hung up on when I started asking questions. Wells Fargo has been very uncooperative and not very informative about my denial.
Product: Debt collection

I received a {$74.00} collection on a utility on XX/XX/2018 that was paid in a result of selling an investment property I own. The utility bill was directly paid to the utility company paid and I received a collections after the house was no longer own by me. I didn't receive a letter nor a phone call regarding this collection. I called the utility company and they said the bill is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I found out an account with avant credit card was open up in my information, {$300.00}, yet only {$50.00} used, showing as of XXXX XXXX up to {$110.00}, contacted company to report an fraudulent account, all the document was sent and I received an email XXXX XXXX that the account will be removed from my credit report. XXXX XXXX I notice it still on my credit but closed, however avant is still reporting to my credit late payments. I sent an email to the address that was giving to me they that taking care of and got no respond from there and still on credit. Id like to get that taking off.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

[ XXXX XXXX XXXX XXXX ] XX/XX/year> is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

They have not responded to me.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) 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.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) 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.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Citibank : I have gone in XXXX branch 10 times for this. Yesterday XX/XX/19 XXXX told me to come in today XX/XX/19 to see Branch mgr. Today XX/XX/19 I came in and branch mgr was Not in and XXXX told me that I needed an appointment. They refuse to address or correct Fraud on my account after 15 attempts. I submitted advertised charge and Duplicate Charge of {$80.00} posted 1 week later. Also My account would have been overdrawn and charge would not gone through if full amount of {$160.00} because I do not have overdraft protection so all these mistakes are bank errors.
Product: Credit reporting, credit repair services, 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 and caused me undue stress and defamed my character : 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 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I Zelled money to someone thinking it was going towards an apartment. Come to find out there was never an apartment. That individual was keeping my money! I tried to put a claim in with my bank. They came and told me that the other parties bank denied the claim. I was out of {$4600.00}. Ive been trying to get my money back for months now. I lost my apartment, and almost lost my Truck due to all of this. I got financially behind. Im still trying to catch up to this day. 

XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$700.00} XXXX - {$300.00} XX/XX/XXXX - {$850.00} XX/XX/XXXX - {$700.00}
Product: Credit card or prepaid card

someone opened a checking and a savings account in my name with my capital one credit card. the accounts were opened in a capital one 360 account which i do not have. a deposit of XXXX was entered on XXXX XXXX, and debit of the same amount XXXX was taken on XXXX XXXX. these are not my accounts but I was told by my card company that my social security No. was used to open this account. Now I got a letter yesterday that the balance is below XXXX and that I should deposit into that account. I've called capital one twice now and they assure me that it's all handled and I hope it is