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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear LVNV FUNDING, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws specific to XXXX, Missouri. 

It has unequivocally come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. XXXX 's identity theft laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that LVNV FUNDING immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.

Sincerely, [ Your Name ]
Product: Mortgage

we are back at it again. you, Ditech playing games, while this time you are in chapter XXXX bankruptcy and switching accounts around and adding monies that have already been paid, too the new account that you have created in my name! i am down to {$2500.00} before i made the XX/XX/XXXX payment of {$250.00}. then you switch accounts on me and i am suddenly back at {$8600.00}, i found this out by logging into my account. 

in reality, if your company and previous company named greentree financial since you are the same company, would have correctly serviced my loan since XXXX, i would have actually been paid off in XXXX, but it wasnt. you came back and said i owed over XXXX dollars. which is weird because you have received every dime plus interest, even when i fell behind in payment due to 2 divorces, all behind payments and interest were paid. your servicing issues were on you, not my fault that you doctored my account. since i was worried about losing my home, i had no choice but to be a pawn in your scheme and keep paying. 
also since you jumbled my account to a new account, XX/XX/XXXX, you cancelled my insurance which the cost was added to my account of $ XXXX.and you received {$340.00} back. i will be deducting this amount from on my previous account. now on to other things. 

now that you have changed my account from the account i have had for 22+ years, you send me a letter saying i am behind in my payments, i argue that point with you, because you receive my money every month, which leads me to my credit report that you have falsely been reporting on for a few years. every one of my payments have been declared over 120 days late since XXXX and there are discrepancies before that. my payment marks should reflect fairly of that month. also, you gave me 3 options in your recent letter dated XXXX XXXX, 1 ) was to modify my account, already done and had to fight through CFPB to get it done, 2 ) you tell me if i cant afford my home to either sell it or find more affordable housing. i have been paying you 22+ years and you keep trying to add more money! also, you want me to file a loss mitigation report. i know already how that works, you play the didnt receive it in time or paperwork is incomplete game. 
your own documents, that i receive monthly show my balance owed and now that you are in a chapter XXXX bankruptcy, you obviously think that you can switch stuff around to make it look better for you in front of the judge and trustee. i expect this matter to be resolved and corrected. i honestly believe, my account and probably thousands of others, should be forensically audited by a federal auditor through a federal investigation!
Product: Mortgage

We are moving because Covid caused me to lose my previous job in XXXX of 2020 in XXXX and I started a new job in XXXX in XXXX of 2020. Currently we have between XXXX and XXXX credit rating depending on which credit service bureau is checked. We have been customers of Wells Fargo for over 15 years, do all our banking with them and have had 3 previous loans with them. We started a Jumbo loan on XX/XX/XXXX with Wells Fargo. We locked our rate and started the process of gathering financial information. Loan went to Underwriting around XX/XX/XXXX. For funding we decided to use a combination of checking, savings, and investment accounts. One of the accounts we decided to use was a joint account between my father and myself. I have been on the account, with full rights, for 18 months. In anticipation of funds needed for closing I moved {$17000.00} from my joint account to an investment account with XXXX XXXX where all funds for close were being amassed. Underwriting came back and said that they would not include the {$17000.00} in our funds because it had the appearance of adding the account just for this loan. We protested to our banking representative who escalated to his regional manager on XX/XX/XXXX ( Our closing on our new house is XX/XX/XXXX ). We then had my father write a personal letter saying we had full access to the account with all rights. We then had the branch send to underwriting the exact date when I signed the signature card as joint owner. After this escalation Under writing said they would allow the funds but it needed to come with a gift letter. We are refusing to get the gift letter because the amount being requested will cause undue tax implications as well as we have full access to this account as with any other joint account. Our loan officer then said it was being escalated further on XX/XX/XXXX. We have not heard anything else and therefore to keep from losing our new property, make our closing we initiated a pull from an IRA and have now paid the penalty and taxes to make up the difference that is needed for close. So I want to know why I could not use the funds in my joint account when : I have been on the account for 18 months ; have full access to add, subtract and transfer from and to this account ; and I did not initiate this loan until XXXX.
Product: Mortgage

XXXX servicer granted us a forbearance because of our toddlers large medical needs and recent XXXX  which also happened to be during covid 19 ( my husband was out of work as well ) and said they would put the amount to the back of the loan. Over the past week, they have been trying to demand the forbearance in full because they say the loan carrier inspire home loans said its either we pay full or nothing. I have supporting documentation that states we can resume our regular payment on XX/XX/2023. They accepted a payment in XXXX {$1400.00}. Over the month, we have been trying to set up a REPAYMENT plan now that our forbearance has ended. Since they will not place it on the back of the loan like they initially told us they would. We can pay our standard {$1500.00} a month plus an extra {$1000.00} a month for a total of {$2500.00} for 12 months. And have seen no results.. inspire home loans said they need to speak to their legal team about repayment plans, ( they are trying to say {$4000.00} if they get the ok from their legal team a month even thought we only owe XXXX in forbearance and it should be able to repay over a 12 month span ) and they cant risk putting the forbearance to the back of the loan even though our house is worth double the amount owed. Inspire home loans even had the nerve to transfer us to the foreclosure department, where they told us we werent in foreclosure.. & then a servicing manager asked for the forbearance documentation that I have because she couldnt access it herself because she said loan care was hanging up on her.. its been an absolute nightmare. 

I even offered to pay them {$4000.00} on XX/XX/XXXX. They would not take it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LAST 4 SSN : XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX 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 twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a 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 debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
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. 

Additionally, and 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. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed on a XXXX purchase for wheels. I used Zelle that was offered through my bank ( XXXX ) app and transferred {$1000.00} to someone who obviously isn't real. when I tried to reach out to this person I was blocked from messaging them. I did not know that I was being scammed but I felt confident that XXXX would have a way to protect me from something like this. When I filled a dispute through XXXX they said that reimbursement was declined because of Zelle 's policy. Why would XXXX support a company like Zelle!? XXXX is a military banking system and they can't even protect us from scams? this seems crazy!
Product: Checking or savings account

I use a company called XXXX for pay advances and they are telling me that you are not working with them to let them know the info needed to process my advance
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   of 2016     I  XXXX   XXXX  notified EXPERIAN,  XXXX , and  XXXX  they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims. EXPERIAN,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are deb t collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting a charged off debt amount that I just don't understand. My contract stated that I was supposed to be done paying my car however, we did end up putting an additional month towards the end due to a skip a payment option. However, my last payment to them was XXXXXXXX XXXX XXXX That is what the contract said and I don't understand why they continue to report a charged off balance.
Product: Payday loan, title loan, personal loan, or advance loan

Despite having made all the payments on this loan, XXXX continues to demand money from me. I ordered a stop payment on their automatic debits through my bank on XX/XX/2023, but I've continued to receive emails from their collections department, indicating that I have an outstanding balance of {$1000.00}. The most recent email was dated XX/XX/2023, and did not include any proof of the outstanding balance. On XX/XX/2023, I sent XXXX 's collections department a letter describing the situation, and with this letter, I included proof of all payments in the form of bank records and a copy of my loan agreement, listing the payment terms. Having received no reply to my letter and documentation, I sent a near-duplicate letter on XX/XX/2023. Ultimately, XXXX has failed to acknowledge my payments totaling {$4200.00} for an original loan amount of {$1200.00} at an interest rate of 220.40 %. They need to recognize my proof of the payments, acknowledge that the loan has been paid in full, and report the loan to all three credit bureaus as having been paid as agreed.
Product: Checking or savings account

US bank charges bogus fees for overdraft protection. In addition to charging 21 % interest, they charge you {$12.00} each time it is used. I am paying interest on the money in addition to unwarranted fees.
Product: Debt collection

I have provided XXXX 's with all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.
Product: Credit reporting or other personal consumer reports

i have contacted XXXX numerous times about two fraudulent accounts that are on my credit report via mail and by phone call, phone calls have been dropped on me over 30 times and ive been placed on hold with no agents ever coming back to the line, on XX/XX/XXXX i filed and ftc report and sent the document to XXXX disputing the accounts they never responded or provided information on disputes when i called they said my ftc report was not valid because it was not numbered by page, i advised them several times ftc reports are not number by page instead its just one page they declined to help and advised i contact the ftc, i contacted ftc and they confirmed that ftc reports are not numbered by page also and advised me to contact the cfpb.the accounts at hand are XXXX XXXX XXXX XXXX XXXX and truist XXXX. my ftc report number is XXXX XXXX agents did nothing to help me rather have me keep doing the same things over and over.
Product: Student loan

From XXXX to XXXX, I have sent a request for public service loan forgiveness. I have went through my 120 days payment with the US Department of education when I sent another PSLF they just sent the amount to Nelnet which they higher the amount and is affecting my credit report. I asked for this to be closed out over a year ago.
Product: Credit reporting or other personal consumer reports

This Collections validity is in question and is illegally reporting on my credit report, violating my privacy, and HIPPA law, and. Please remove this from my consumer reports or you are opening yourself up to litigation. 

XXXX XXXX XXXX {$750.00} XXXX
Product: Mortgage

i applied fora refi with quicken loans and was conditionly aprooved i sent all the paperwork to them wich i had to cotact my crediters for info which quicken loans should asked for spent many hours on the phone and had them send the paperwork to quick and loans and rocket morgage it should have been that they should have requested info from my crediters. they told me that my loan should close within 30 days but did not happen it went to sixty days with no closing i complaind to them and they became irate. l the last step was to send them my last 18 montes payments for speacilized loan services when we tried to make a payment that we should not make any paymen because they were in transition with XXXX XXXX XXXX wich they bought out my loan.tried to make the payment to XXXX XXXX XXXX but they told us not to pay for XXXX so wewaited for a month and made a doeble payment to XXXX XXXX XXXX when i sent the payment state ment to rocket borgage my wife added an explaination about what happend but they would not except the explaination its a no brainer in there behalf we paid XXXX dollers to a appraiser which we had bite it and lose. i dont know why quick and loan are so accredited hope people get wise and do not apply with rocket and quiken loans they are a scam ie we made a double payment in XXXX to bring it current my wife and i never late on payment and no late pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made efforts to correct misinformation, inaccurate data and false accounts reporting on my file and this CRA has refused to be transparent with their investigation, continue to house false information on my report and keep me from maintaining maximum accuracy as outlined in the FCRA. 

Since XX/XX/2021, I've been sending correspondence concerning the inaccuracy of my consumer report. There are accounts reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, no sufficient proof has been provided to me concerning the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

I have reached out to Transunion and the adjacent companies about these errors and lack of compliance countless times to correct information, request further details or demand deletion for lack of sufficient proof and they have chosen to either not respond to my requests or not perform their duties in accordance to the laws that are set to follow.
Product: Checking or savings account

The year of XX/XX/XXXX I had aXXXX a XXXX dollars in my account with navy federal credit union which I have XXXX checking account there saying that I did not oped these accounts until the year of XXXX and XXXX money was put in these accounts in the year of XXXX also on XX/XX/XXXX XXXX money was put in my checking account I wrote them a letter about funds been missing out of my account in the year of XXXX never got a response back please help me
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of 2022 the company said the payment I made was late but I never paid late. They messed up when trying to charge my account and never updated my new account that I added.
Product: Debt collection

I respectfully urge XXXX and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : Negative Round 3 Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXXClosed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : 30 : 0 | 60 : 0 | 90 : 0 Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent. 

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finanicial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am writing to request assistance regarding the issuance of a Form 1099-C, Cancellation of Debt, by IQ Data International . I need a copy of the 1099-C & I believe this matter requires further review and clarification. I have concerns regarding the accuracy and legitimacy of the cancellation of debt and the subsequent reporting to the IRS.