23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the Gurstel Law firm began contacting me daily. I contacted Gurstel and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to XXXX and is referenced as such in the attached letter.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate XXXX : XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX. 
COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediatelyXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXXCOLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I'm writing today concerning a XXXX account that has been previously removed from my consumer report, but was reinserted on my Experian consumer report on XXXX XXXX. First and foremosXXXX XXXXXXXX loans should not be on my consumer report. Pursuant to FERPA my XXXX records should be kept confidential and private. My XXXX  loans are not public information, so what or who gave XXXX the right to publish, disclose, or furnish my nonpublic personal information to or on a public forum such as a consumer reporting agency. This is a direct violation of my privacy. 

34 CFR PART 99FAMILY EDUCATIONAL RIGHTS AND PRIVACY Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records? 
99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the XXXX  's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 
I have not given XXXX any written instruction, any permission, nor have I given XXXX any permissible purpose to furnish anything on my consumer report. I have also enclosed a copy of 34 CFR PART 99FAMILY EDUCATIONAL RIGHTS AND PRIVACY in this letter stating when and when not written consent is required. Please reference the attached file.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to Complaint ID, XXXX. 
Ally Financial provided false information to the CFPB. They have refused to fix the error made by their company, and to add insult to injury, they are providing invalid information to a government agency created to protect consumers. I have been dealing with this issue for four months, and the emotional impact to my family is rising. 
In response to your final response Ally sent to me on XX/XX/XXXX. 
First, I made multiple calls to Ally in XX/XX/XXXX. This is in regards to the call made XX/XX/XXXX, at around XXXX ET.You all know this is the case, because I have requested this call be pulled multiple times. I also attached a copy of my cell phone record to this complaint validating my claim. Also, I asked for my payment options, and was offered a skipped payment by an Ally representative. She offered that to me, and you all need to own up to your mistakes and complete lack of staff training. The lady offered me a skipped payment for XXXX, as long as a {$130.00} payment was made to the account. I specifically asked about the impact on my credit report, and she reassured me multiple times that everything will be fine. I mentioned this at least three times on the call, and she assured me that my next payment will be due in XXXX. She made an offer to me and I accepted. That offer was a skipped payment with no negative credit impact. 
I have spoken to a total of four supervisors, and they have all admitted fault and validated my concerns. Are you calling your supervisors liars? 
Ally I am fulfilling my contract, and you guys are in breach of yours. You have lied to me multiple times and falsified findings to benefit the company. This is unacceptable and I hope there will be Justice. The company needs to be held liable for the amount of stress, pain, and distress they have inflicted on my family. 
I also attached an audio recording from a conversation with a supervisor validating my story and admitting agents fault. The call has been pulled by multiple supervisors and you all insist on making invalid claims and refuse to be accountable for your errors. CFPB please help me and I hope justice is served. XXXX XXXX is a veteran, and I am a working class mother of XXXX. We are doing our best to recover from hard times, and with one error, Ally took us back to square one. We refuse to accept their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with Credit Reporting Act XXXX Account # XXXXXXXX DRIVEWAY FINANCE CORPORATION, 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 an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a loan account under an open end consumer creditplan as late for any purpose.
Product: Mortgage

I entered into a forbearance under the Cares with Mr. Cooper for 12 months due to my rental home being shut down by the Governor of Florida and not receiving income during my primary earning months. I contacted Mr. Cooper to begin payments starting XX/XX/2021. Today I received a letter stating they would only agree to me i ) paying the entire 12 months from the forbearance and begin making payments, ii ) giving them a deed in lieu of foreclosure ( I have {$380000.00} in equity in the property ) or iii ) doing a short sale. It was my understanding that the cares forbearance was to help people during COVID, not set them up to lose their property. After numerous calls, I learned I could get another 6 month forbearance. In order to avoid the bank initiating foreclose, I agreed to 6 additional months forbearance in which I will start making payments plus as much additional as I can but at the end of the 6 months I will be in the same situation. I believed the lenders had to work with cares forbearances and add the money to the mortgage increasing the payment but allowing for repayment over the term of the mortgage. I am certain the intent was not to put people in the position of having to make full repayment of 12 months mortgage immediately at the termination of the forbearance.
Product: Debt collection

I received a letter from this debt collector on services never rendered to me. If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.This is in violation of the section 146.002 of Texas law that states that, the health care service provider may not recover from any other individual who, because of a family or other personal relationship with the patient, would otherwise be responsible for the debt. You are also in violation of No Surprise Act ( SB 1264 ). Provide me dates and services rendered. I am not aware and did not have the services provided. I am requesting that, you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by the company listed to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Engaging in debt collection without filing a bond with the Texas secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex.Fin. Code 392.402. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it, may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information reporting on my credit profile with Experian several times and they have ignored my requests to properly investigate these inaccuracies and/or provide proof that this information is accurate. They have consistently sent me computer generated letters that are broad and claim that my documents sent do not identify myself or the complaint I initially made, despite these being official documents with my signature and notary stamped. This company consistently violates my rights and the laws of governing consumer rights.
Product: Mortgage

From the very beginning I had discrepancies with Select Porfolio Servicing Inc. with regard to my escrow account. XXXX sold the account to this company in XXXX XXXX. Although there was a surplus in escrow when the account was transferred, I never received payment or a refund of the over payment/surplus. Instead in the month of XXXX XXXX, I received an escrow analysis alleging a shortage of {$79000.00}. A second escrow analysis was conducted in XXXX of the same year, two months later alleging a shortage of & {$560.00}. Is it not so that an analysis should be conducted only once a year? Be advised, I always paid more than the mortgage payment amount from $ XXXX {$100.00} with instructions, & monthly calls to deposit the overage into escrow in an effort to avoid these outrageous projections. In XXXX of XXXX, I received another escrow analysis but this time there was an overage/surplus in the amount of {$540.00}. This amount was refunded to me. However, there was an adjustment of {$460.00} credit due to a Home Rebate benefit which affected the escrow account. Needless to say this overage was not included with the {$540.00}. Instead Select Portfolio kept the over payment again. Notwithstanding, I continued paying more than the required mortgage payment amount to escrow with an expectation of a refund due to the surplus. XXXX XXXX I received an escrow analysis alleging a shortage of {$680.00} due to these outrageous projections. I became furious with regard to these bogus projections. I sent XXXX letters, numerous phone calls relinquishing Select Portfolio responsibility in paying my taxes and home owners insurance. I spoke with several Representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and other employees ) of the company with regard to my escrow account and or this transaction and the balance of escrow in the amount of {$4200.00} to be sent to me. This amount was confirmed by their Representatives and my records. However I received a check in the amount of {$2700.00}. This company shorted me by {$1500.00}. Select Portfolio may have changed their name but they continue their corrupt behavior of Fair Banks. I believe not only does this company keep & conceal the customers surplus in escrow, they are making the customer 's mortgage payments uncomfortable so the customer looses their property or home to the mortgage company. I have taken responsibility to pay the taxes & home insurance. I would like this company to do the honest, legal and moral act in returning the amount owed of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.
Product: Credit card or prepaid card

On XX/XX/2019 I had received my Maryland Unemployment Benefits I have the prepaid debit card used for withdrawing and usage. 
At approximately XXXX XXXX  I had went to withdraw money from my local Bank of America branch where the card is useable with out surcharge. 

Put my card in to withdraw the amount of XXXX $ out of the XXXX $ I receive weekly every Tuesday from the Maryland Unemployment Benefits. 
So I tried to withdraw no money dispensed. 

I received the receipt showing a remainder amount of XXXX $ in my account. No money was collected. 

I began to proceeding into the Bank of America branch to see if there was anything the teller could help. Unfortunately she said call the back of the number to the card. As its not one of their cards they could preform a reversal. 

I took pictures of the atm and the atm service request number. Called the Bank of America atm service request retaining the information about my experience with the atm not dispensing my cash Ive requested. They took my name and ID number of the atm. 
But there was nothing they could do. 

Finally I called the number on the back of my card for the unemployment prepaid Bank of America customer service. 
Spoke with a representative I then told the issue, filed a claim, was told basically it could take up to 45 days to be resolved. Within 7 days a reaccredit for my account withdraw for the XXXX $ could potentially be performed. 

I asked for anyways to speed up the process because Im unemployed I have no funds currently besides the XXXX $ mentioned left. The representative told me to fax in my receipt of the transaction from the ATM. 
In which Ive done so. Id then asked after the fax had theyve received my fax.

The representative told me they couldnt see my fax up to 2-3 business days!

I called 2 times later that evening to even check if they started processing my claim.

Nothing could be given informational regarding there issue when I could be responsible to see my money back accrediting my balance. 
Im in disbelief.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to Privacy 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan

Lender charged my account when it was not expected/unauthorized, which cost me overdraft, return check fees, and bank account is at negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was made aware of a data breach involving my data, as verified by the information on the equifax breach site that was created ( equafaxsecurit2017.com ). I identified myself as a victim of the data breach. Equifax did not notify me directly of this, and did not provide me with any opportunities to opt-out of the storage and collection of my PII and PHI during the time in which they collected and stored my PII and PHI. I did not ever give consent for this information to be stored on any equifax storage medium, including but not limited to servers, SANs, RAID arrays, virtual storage containers, hardcopy files, etc., and now equifax has allowed a security breach to compromise my personal information due to their negligence and lack of security.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by your company XXXX XXXX ) that ( account XXXX ) with XXXXXXXX XXXX XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 
In Accordance with the requirements of the FCRA SECTION 611 ( 15U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification, this is a serious violation of the FCRA AND I now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX