23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX Arizona Subject : Dispute Regarding Violations of 15 U.S. Code 1681o ( Negligent Noncompliance ) To Whom It May Concern, I am writing to formally dispute and bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. This matter concerns inaccurate or improperly handled information on my credit report, which has caused undue harm and financial distress.

Upon reviewing my credit report, I noticed [ describe the inaccurate information, e.g., incorrect account details, fraudulent accounts, outdated negative items ]. I previously contacted your organization on [ date of prior communication ] and provided all necessary documentation to support my claim, yet the issue remains unresolved. Under the FCRA, you are required to take reasonable steps to ensure the accuracy and proper handling of consumer information. Your failure to do so constitutes negligent noncompliance, for which I may seek damages as prescribed under 15 U.S. Code 1681o.

To resolve this matter, I formally request : A thorough investigation into the inaccurate information and immediate correction or removal of the disputed item ( s ). 

Written confirmation of the resolution within 30 days, as required by the FCRA. 

Compensation for any damages incurred due to your negligent handling of my credit information, as permitted under federal law. 

Please consider this letter as a formal notice of dispute and a potential precursor to legal action should this matter not be resolved promptly. I expect your immediate attention to this issue and a written response detailing the actions taken to rectify this matter. 

If I do not receive a satisfactory resolution within the legally allotted timeframe, I will be forced to explore further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages. 

Please direct all future correspondence regarding this matter to me at the address provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by XXXX, XXXX, and Experian, including the original sources of such information. 
Under XXXX XXXX XXXX  XXXX, I have the right to request a copy of my credit report from XXXX, XXXX, and Experian, which I have reviewed for accuracy and completeness. 
I assert that XXXX, XXXX, and Experian are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, I believe that the practices of XXXX, XXXX, and Experian violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to XXXX, XXXX, and Experian, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that XXXX, XXXX, and Experian cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX
Product: Debt collection

I reached out to Waypoint RESOURCE GR on XX/XX/2019, and asked to validate the debt which they say I owe. It has been months later and I still have not seen any proof of the amount of debt owed. Here are the questions I wanted to know : The name of the creditor to whom the debt is owed A statement of notice that the debt will be considered valid by the debt collector unless the consumer disputes it within 30 days of notice A statement of notice that if the consumer disputes the validity of the debt in writing within the 30-day period, the debt collector will obtain verification of the debt and mail it to the consumer A statement of notice that the debt collector will provide the name and address of the original creditor if requested in writing by the consumer within the 30-day period. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for the alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
The complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Discover Bank Financial regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX  that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Discover Bank Financial has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Discover Bank Financial complies with all federal regulations and XXXX, including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Discover Bank Financial. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Debt collection

self late payment XX/XX/XXXX was not late 30 days info inaccurate capital one XX/XX/XXXX late payment was not full 30 days info inaccurate XX/XX/XXXX self account closed this is not my account was open fraudulent I have filed disputes and complained purchase monitoring services etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXX XXXX XXXX is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

My Grandfather passed away in late XXXX, XXXX. His only credit card was one he got through XXXX, backed by Bank of America. 

On XX/XX/XXXX, I received a letter from BoA claiming {$540.00} was outstanding on his card and was owed to them. They filed a claim against my Grandfather 's estate for this money, and in their letter BoA stated I had the right to dispute the charges within 30 days of my receiving the letter, otherwise the claim would be considered valid by them. 

On XX/XX/XXXX, I mailed a letter back to BoA disputing the charges in their entirety. I did not hear anything back. 

On XX/XX/XXXX, I called BoA at the number they provided in their letter and spoke to a representative who promised to send the entire previous year 's worth of statements for my Grandfather 's card. They sent every statement except the statement from XX/XX/XXXX through XX/XX/XXXX, which was the statement in question. 

On XX/XX/XXXX, I called BoA again, was told the rep handling this issue was XXXX XXXX, and that the missing statement would be mailed immediately. The missing statement was received the following week, and none of the charges in question were valid as my Grandfather had been in the hospital with XXXX  XXXX XXXX XXXX during the time the charges were made on the card. 

On XX/XX/XXXX, I mailed BoA a letter and requested an update into their investigation of the disputed charges. I received no reply. 

On XX/XX/XXXX, I mailed BoA another letter again requesting an update on their investigation of the disputed charges. I asked them if they had even initiated any investigation into the charges. I received no reply. 

On XX/XX/XXXX, I mailed yet another letter to BoA, still requesting an update as to their investigation of the charges. BoA still has not responded in any capacity, nor have they withdrawn their claim against my Grandfather 's estate. 

I have recorded my phone calls with BoA phone support, and the phone reps confirm BoA received my dispute letter. 

If this claim is not withdrawn, per the probate court, my only recourse is to pursue legal action against BoA. This will be my final attempt at getting this matter resolved in a civil fashion, I have been more than patient throughout this process and have been repeatedly ignored.
Product: Credit card

On XX/XX/24 I wanted to send my son {$2500.00} for XXXX via XXXX using my credit card. XXXX showed a 3 % fee and I was willing to pay that because I was having a cash flow issue in my bank account. So I added my Capitol One CC account and made the transaction. 

Next I tried to make the same XXXX payment for my daughter ( {$2500.00} ) but it was declined. So I called Capitol One within a few minutes of the first transaction to find out what was going on. In the process of the conversation the representative told me that in addition to the 3 % there would be a {$100.00} charge plus 28 % APR accruing from day one. I told her that I wanted to cancel the first transaction because those fees are ridiculous and not shown by XXXX. Nor are they shown on Capitol One 's website ( https : //www.capitalone.com/XXXX XXXX She told me that she couldn't cancel the transaction, that I would have to talk with XXXX. XXXX said that all that needed to be done was for my son to return the money. So I called my son and explained to him that I didn't want to pay the fees and that I would send the money as soon as my bank had sufficient funds. He returned the {$2500.00}. 

After that I found out that the original XXXX transaction was still not cancelled. In other words I would still have to pay all the fees. I relented. So on XX/XX/24 I again called Capitol One and told the representative that I need to pay just the {$2500.00} + 3 % so I wouldn't have to pay the 28 % APR. He told me there was no way to pay just that portion of the charge and I would have to pay the entire balance. So I payed it to avoid the 28 % APR. 

So I ended up paying 3 % + {$100.00} + 28 APR for the days until the back transfer happens. I am not a person struggling with finances. But these fees are ridiculous, underhanded and should be investigated.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an inmate in a federal facility. I have attached a letter from my case manager confirmed my incarceration dates. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed
Product: Mortgage

XX/XX/XXXX, Mr Cooper took over my home mortgage loan from XXXX XXXX. I called Mr. Cooper at the beginning of XXXX to ask many questions about this change and familiarize myself with this company. On XX/XX/XXXX, I had a balance of {$1300.00} in my escrow account. My taxes had already been paid in XX/XX/XXXX, before my mortgage was given to Mr. Cooper. On XXXX, I received notice from Mr. Cooper that my mortgage payment would increase to {$820.00} beginning on XX/XX/XXXX, due to a shortage in my escrow account of {$1100.00}. When I called Mr. Cooper to inquire about this 'shortage ', I was told it was because the third party that Mr. Cooper XXXX, Corelogic, lists my property as being in XXXX XXXX and that I owed XXXX XXXX XXXX as well as XXXX XXXX XXXX. I let them know again that this information was incorrect, just as I had at the beginning of XXXX when I called Mr. Cooper for the first time. The lady on the phone said I would need to send proof that my property is in XXXX XXXX and I pay XXXX XXXX taxes. On XXXX, I emailed numerous years worth of XXXX XXXX tax statements to Mr. Cooper. I was then told by Mr. Cooper phone rep, that this issue should be resolved quickly. Instead, it has continued to drag on, week by week, with no resolution and no progress toward resolution. I have continued to check on the status of this correction, XXXX calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX. In ever call, I have been told that there has been no progress on correcting this. In fact, I was told that the years worth of statements I had provided from the XXXX XXXX XXXX office were not sufficient proof and no one can tell me exactly why this is not proof enough, what it is that they are wanting to prove that they are wrong, or why there has not been any progress on this correction at all. In fact, Mr Cooper has continued to send me notifications about my payment increase being due the XXXXXXXX XXXX XXXXXXXX because of this erroneous information and even a step further in sending me a statement to let me know that as of XX/XX/XXXX, my mortgage payment would increase again to {$860.00} because of this erroneous information. I proceeded to email Mr Cooper another document of proof, on XX/XX/XXXX. This was an Assessor of Property record directly from XXXX XXXXXXXX XXXX XXXXXXXX XXXX, stamped by the Deputy Assessor. Mr Cooper and their third party service has made no progress in correcting an error originated on their end and have continued to notify me that I am responsible for paying for taxes to XXXX XXXX and city that I do NOT owe, not have ever owed in the 22 years of purchasing my home. At this point, my home insurance has been paid for the year as of XXXX, XXXX and my taxes has been paid for the year as of XXXX, XXXX and Mr Cooper is still trying to collect {$4000.00} from me in escrow payments toward supposed payments that are not owed now nor will ever be owed by me.
Product: Bank account or service

I have a checking account at Wells Fargo and have specifically asked that I be 'Opted-Out ' for overdrafts on ATM and one time debit card transactions. 

On XX/XX/XXXX I withdrew {$40.00} from the Wells Fargo ATM. The ATM screen told me that I was trying to withdraw more than the balance in my account and I would be charged a {$35.00} fee. I accepted but did not expect the fee to be charged ( I thought this was a standard alert message ) since under Reg E the bank was not allowed to charged an overdraft fee for any ATM or one-time debit card transactions that were approved into overdraft. 

Thinking this was an error I did call Wells Fargo ( XXXX on Thursday, XX/XX/XXXX at XXXX ). who was very condescending and said that it was my problem since I had clicked to continue the withdrawal at the ATM. 

This seems unfair for the bank to say that I am opted-out ( under Reg E ) and then charge me a fee when I accept the withdrawal at the ATM. At that point they had me in an untenable position and took advantage so that they could get the fee income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Mortgage

URGENT - FORECLOSURE SALE XX/XX/XXXX In XXXX, during the Covid-19 and Hurricane Sally era, our mortgage was placed into temporary forbearance, as per our request. Once the forbearance period expired, we requested a Modification/Deferment of the payments into a subordinate lien due at the end of the mortgage term. 

As requested by XXXXXXXX XXXX XXXX, we submitted Borrower Response Packages in XXXX and XXXX of XXXX and again in XXXX and XXXX of XXXX. 

We contacted XXXX XXXX XXXX each time to confirm the Borrower Response Packages ' status and confirmed that the Loan Modification was approved. 

Many attempts were made to submit the monthly payments, and our inquiries resulted in different answers from different representatives, all without any clarity. We have not received Monthly Statements reflecting the Modification, allowing us to submit the original payment amount of {$1200.00}. They have rejected the monthly payment attempts on every occasion. 

In XX/XX/XXXX, our loan was transferred from XXXXXXXX XXXX XXXX to Specialized Loan Servicing. 

Based on a phone conversation with an SLS representative, our home is scheduled for foreclosure on XX/XX/XXXX. He advised us to send in the Mortgage Assistance Application immediately, which we did. We have not received written documentation regarding the foreclosure date or process. One of our neighbors found a USPS Certified Mail Slip in the road that is addressed to me and XXXX, but the address is for XXXX XXXX XXXX, our address is XXXX XXXX XXXX. We dont know what was in this package. 

Yesterday, we received written notice that the file could not be reviewed because of the amount of time between the file submission and the foreclosure. She said that SLS requires 37 days to review, which we were also not advised of. She suggested we apply for assistance through Mortgage Assistance Alabama. I attempted to do so last night but they are no longer accepting applications this year. 

We are not able to pay a lump sum of {$35000.00}. According to the representative that I spoke with last night, the total amount is now over XXXX XXXXXXXX. Ive requested the amount due for reinstatement. The processing period is several days but is due to arrive on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX  and Specialized Loan Servicing have not attempted to resolve this matter for over two years and now it has escalated to what could be a devastating loss.
Product: Debt collection

Requested for debt validation on XX/XX/2020 company have not sent any information regarding this debt that's claimed that I owe. As of XX/XX/2020 have not received any correspondence from this company.
Product: Student loan

My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?