23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Professional Debt Mediation on XX/XX/2021 about them fraudulently posting a collections account on my credit report. As a 3rd party to a 3rd party ( XXXX XXXX XXXX, the people who sold them the debt ) of the original creditor, me the consumer, they had no right to place a collections account on my profile. They got caught committing fraud and violating my rights and immediately removed the fraudulent collections account from every credit bureau in less than 4 days. Removal is an admission of guilt so I am commanding monetary relief pursuant to 15 USC 1692k. Every violation listed below is worth {$1000.00} and should be remitted immediately upon receipt of this complaint or I will seek damages in the amount of {$100000.00} for pain & suffering, defamation of character, and mental anguish.

They violated my rights pursuant to 15 USC 1692c ( b ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 8 ), and 15 USC 1692f ( 1 ).

That's 7 violations of my consumer rights pursuant to the FDCPA which is {$7000.00} which Professional Debt Mediation , Inc. owes me. I've attached proof of their admission of guilt/removal for your review.
Product: Mortgage

I called Shellpoint Mortgage at XX/XX/XXXX to get payoff quote. My payment also due, I dont want to pay high interest and I am ready to payoff as soon as possible. 
Shellpoint will be charge for late fee after XX/XX/XXXX. 
Today XX/XX/XXXX I called again, they will ask XX/XX/XXXX days and still want to charge all the late fee. 
I request to email me payoff quote and they said I can not modify my request now. 
I am having so much neglected behavior from them to communicate. 
I ask there email address and they refuse to provide that too.
Product: Student loan

Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

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

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Firstly, I tried to setup an autopay in my LoanDepot account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from LoanDepot to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from LoanDepot would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the LoanDepot website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with LoanDepot, we have been comeback customers for our home loans and have been loyal good standing customers with LoanDepot. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from LoanDepot as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from LoanDepot.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection ServicXXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I want my account status updated its not 120 days past due. You are maliciously allowing this company to mess up my credit report the status I repeat is not 120 days past du Equifax, XXXX Last XXXX XXXX RE : XXXX XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on MY ACCOUNT .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' in my status I am not 120 days past due your maliciously messing up my score and I dont owe you guys a dime immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have repeatedly tried to close my account with Venmo , LLC since XX/XX/XXXX. Per their terms and conditions, I have followed the account closing procedure and submitted account closure requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has rejected my account closure requests despite complying with all terms and conditions and having no outstanding transactions or negative balance.
Product: Debt collection

I received an email for a debit that has nothing to do with me to my email. False claim and a scam.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan, title loan, personal loan, or advance loan

I have received multiple calls on my cell and at work threatening to freeze my bank account from XXXX. However, I have never received any correspondence verifying my debt. I am at work when calls are received an am unable to take calls. Yet, that is the only form of contact from XXXX. I have not received anything via mail or via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Student loan

Navient is reporting good that Ive been late on my payments during the pandemic when there was a deferment of the payments during the pandemic by the government. Navient has been shady in general but this is XXXX. After an investigation they added even more late payments on instead of removing them. The government has stated no payments are required. I havent had this issue with XXXX, only Navient. Their business practices have been shady at best, but after finding out theyre leaving the student loan business Im not surprised they doubled down on their XXXX business ethics.
Product: Credit reporting or other personal consumer reports

I have two inquiries on my Equifax credit report XXXX and XXXX from XXXX. I contacted XXXX 3 times and also Equifax they both were not able to give me a explanation for the inquiries I have no accounts with XXXX and I have not applied for any credit for XXXX  years. These inquiries need to be deleted off my credit report. I have no knowledge of these inquiries.
Product: Debt collection

I have identity theft problems, it turns out that they opened a credit card account with the ACIMA OR ACIMA LEASING company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 


THE NOMBER IN MY CREDIT REPORT IS ACIMA CREDIT FKA XXXX # XXXX
Product: Bank account or service

Wells Fargo bank continues to charge my personal checking account with NSF fees, it is now over {$700.00} i called and made a payment arrangement to pay for the amount overdrawn and i requested to see if I qualified for a waiver. they said no and they continue to charge me for fees when they are not honoring the payments so theres no way they can block the charges and they dont want to credit me for the NSF 's even when they are not paying out any of the payments. this is abusive and predatory, they are unwilling to work with me even after i made an arrangement to brign this account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted TransUnion, informing them that they are in violation of my consumer rights. Pursuant to 15 usc 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. 

As the consumer, I, XXXX XXXX, do not consent to any information being furnished on my report. I have stated this to TransUnion and they have informed me that the reporting on my consumer report was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Destiny Mastercard discriminate against me by lieing that the reason for denying me they could not obtain credit score.And in violation of equal protection.And in violation fair protection act
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear LVNV FUNDING, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that LVNV FUNDING, Account XXXX : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for LVNV FUNDING, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that LVNV FUNDING, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that LVNV FUNDING, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Product: Debt collection

The failure of the 3 credit bureaus and XXXX XXXX XXXX as well as the credit furnisher to conduct a thorough and complete investigation, and of the furnisher and rental company to respond to my dispute inquiries, is not only frustrating but is a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of a money judgement without a valid court order
Product: Debt collection

I saw some unknown source to collect a debt and disputed it on XX/XX/2022 asking for debt validation with itemized bill and signature agreeing to pay said debt they're claiming I owe. I received a notice that does not contain any of the information it's only a letter that says I owe the money with no further explanations on it validating the claims. I called the company to obtain the correct information and tell them I did not receive anything in compliance in validating the debt and was spoken to in foul language and hung up on.
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/year>, I experienced financial hardship due to an unexpected job loss, which led to XXXX XXXX late payments on my XXXX XXXX ( ending in XXXX ). Prior to this, I had an excellent payment history with RBFCU for over three years. Before making the payments, I contacted RBFCU by phone to ask about my options, and a representative misinformed me that making a partial payment would prevent any negative impact on my credit report. Based on this guidance, I proceeded as instructed, only to later discover that the late payments were still reported to the credit bureaus, negatively impacting my credit score. 

Upon realizing this, I immediately brought my account current and have since paid off the account in full. Following this, I submitted a goodwill adjustment request to RBFCU, explaining the situation and requesting removal of the late payments as a courtesy. I also cited the Fair Credit Reporting Act ( FCRA ), which does not require creditors to report late payments, only that reported information be accurate. 

My request was denied, and RBFCU stated they had conducted an investigation and determined the information was accurate. However, they never provided any documentation or details of this investigation. 

Since then, I have followed up multiple times requesting RBFCU to provide : XXXX. The criteria and policies used to evaluate goodwill adjustment requests. 
XXXX. The specific records reviewed in their investigation. 
XXXX. The conclusions drawn from their investigation. 
XXXX. Any internal or external communications related to my request. 

Despite my repeated requests, RBFCU has refused to provide any of this information and continues to issue the same response without addressing my concerns. Their refusal to disclose documentation raises concerns about whether a legitimate investigation was conducted, as required under FCRA 623 ( a ) ( 8 ) when responding to consumer disputes. 

Additionally, I have received assistance from other financial institutions that have honored goodwill adjustments in similar circumstances. However, RBFCU remains uncooperative, despite having discretion under the FCRA to remove or suppress the late payments. 

At this point, I am filing this complaint to ensure transparency and accountability regarding RBFCUs dispute-handling process. I request that RBFCU : Provide documentation of the investigation they claim to have conducted. 
Reconsider my goodwill adjustment request based on the miscommunication from their representative and my otherwise excellent credit history. 

I appreciate the CFPBs assistance in addressing this matter.
Product: Mortgage

We submitted a complaint to the CFPB on or around XXXX XXXX, 2016. Case number : XXXX, regarding an issue with trying to get approved for a deed in lieu through our mortgage lender Penny Mac. We received a reply from the CFPB with the response from Penny Mac. The information that Penny Mac provided as proof of their resolution is fraudulent, as all of the information pertains to another customers loan and loss mitigation. None of the information pertains to our loan or our complaint with regards to our dissatisfaction with our loss mitigation process. I contacted XXXX who is the complaint specialist at PennyMac, on XXXX XXXX, as I wanted to speak with her about the inaccurate information on our complaint, and have not heard back from her as of XXXX XXXX. We did receive an email from Penny Mac on XXXX XXXX that the appraisal is approved, and received a call from XXXX XXXX our loan specialist on XXXX XXXX, telling us we were approved for either short sale or deed in lieu, and that once submitted, we would have an answer within 10 days. We had a buyer who submitted an offer in XXXX of 2016, but due to the lack of progression with Penny Mac, and lack of response, the buyer decided to withdraw their offer. We contacted Penny Mac on XXXX XXXX, letting them know we would like to go ahead and proceed with the deed in lieu. On XXXX XXXX, I received word ( after submitting a signed Deed In Lieu incomplete Package letter, that we now are in attorney review for the title, however again as we were told in the first week of XXXX 2016, the 10 day period would not start until our package was completed, and we were not given a time frame as to how long this review period might take. the last review period with the underwriter, we were told we did n't have a completed package, and had no progression, until after we submitted a complaint with the CFPB. We are not financially in a position where we can continue to pay both our rent ( which our entire XXXX is coming out to pay as we are living on base ) as well as our {$2100.00} a month mortgage, which we are using up our savings to pay. We also are continuing to pay the utilities on the home in NJ, as Penny Mac requires it to be in good condition at the time of closing. We are tired of getting the same robotic answer, which is n't even an answer, and are extremely afraid that this next " review '' period will again continue to take months. Also our other major complaint is that the CFPB was lied to with regards to our previous complaint, and that the information provided to the CFPB was factually inaccurate and did n't even pertain to our loan or loss mitigation request.