23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Details : I am filing this complaint against XXXX XXXX XXXX XXXX IQ Data XXXX for unlawful retention of my security deposit, failure to provide notice of an alleged debt, and illegal credit reporting. These companies have violated multiple federal and state consumer protection laws, causing financial harm and emotional distress. 
1. Unlawful Retention of Security Deposit I moved into XXXX XXXX XXXX  on XX/XX/XXXX and moved out on XX/XX/XXXX. 
Before vacating, I fully cleaned the unit and recorded a video as proof since the property manager refused to conduct a walk-through. 
The property manager stated that I would receive a full refund of my {$890.00} security deposit. 
However, XXXX XXXX failed to return my deposit or provide a breakdown of any deductions, violating California Civil Code 1950.5 ( g ) ( 1 ) - ( 2 ). 
2. Illegal Debt Collection Practices Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) XXXX XXXXXXXX XXXX never provided any invoice, notice, or billing statement before referring me to collections. 
On XX/XX/XXXX, I received a debt collection letter from IQ Data XXXX claiming I owe XXXX XXXX was the first time I was ever notified of any alleged debt. 
Under 15 U.S.C. 1692g, I have the right to debt validation before any collection activity, which IQ Data XXXX failed to provide. 
3. Unlawful Credit Reporting Violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) IQ Data XXXX and XXXX XXXXXXXX XXXX reported a fraudulent debt of {$280.00} to XXXX, XXXX XXXX XXXX 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure the accuracy of reported information. 
Since I never owed this debt, the reporting is false and illegal under the FCRA. 
4. Unfair & Deceptive Business Practices California Business & Professions Code XXXX XXXX XXXX XXXX failed to provide a security deposit refund or any valid charges after I moved out. 
They also refused to conduct a walk-through inspection, preventing me from addressing any alleged issues before leaving. 
This conduct is deceptive, unfair, and unlawful under Californias consumer protection laws. 
Requested Resolution :
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$610.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

I have tried to dispute this information being that I have never had any business dealings with this company. I have not signed any contract with this company, nor have I ever received any funds or services from them either. In accordance to law 15 USC 1692 G, this information seems to be fraudulent, and should be removed from all credit reporting bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX. 
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX 
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct. 
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all. 
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned. 

I would appreciate any help in this desperate situation. 

Sincerely, XXXX XXXX
Product: Mortgage

Hello, We're working with Caliber home loans. We are 8 months behind on mortgage payments and having been working with them to get account back to good standing. We received a notice to reinstate the mortgage on XX/XX/19and prevent foreclosure they needed payment of {$9500.00} by XX/XX/19. We sent them the payment {$9500.00} by XX/XX/2019. In talking with them today XX/XX/2019they returned payment because it didn't include XX/XX/XXXXpayment. They said to call later today to see what they will decide, we've made the payment to get the account reinstated and avoid foreclosure. We're still working on keeping the account in good standing XX/XX/XXXXgoing forward.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I received a letter from XXXX XXXX  in  XXXX FL saying my request to open a XXXX account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact Transunion. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and Transunion was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
Thank you
Product: Mortgage

XXXXStarted process for refinance with 3 companies to shop the best rates. 
XXXXRefinance application sent to underwriting for Coast to Coast Mortgage. 
XXXX was previously locked with XXXX ( Current Mortgage ) mortgage company and advised by XXXX XXXX Coast to Coast to withdrawal that application they had better rates. I withdrew my application from XXXX and my locked rates XXXXSpoke with Lender at Coast to Coast and he stated I was locked in at XXXX. He called my office directly and the call was recorded. 
XXXXLender sent me an email again stating I was locked in XXXXAppraisal paid for by us, {$560.00} XXXXAppraisal complete XXXXFound out my rate was never locked in because he mixed my file up with another customer and rates jumped. 
XXXXLoan officer stated he would go to his boss and underwriting to see what they could do. 
XXXXStill no update on how he was going to fix this other than increasing my cash to close from {$700.00} to {$9000.00}. Offered to XXXX me money to help offset the mistake. 
XXXX reached out to the owner of Coast to Coast Mortgage XXXX XXXX directly XXXX Left voicemail and sent email. 
XXXX responded that he be traveling for work and could introduce to me to a loan officer. He asked when we could chat. 
XXXXWe spoke via phone and I explained the situation, sent him the recorded call of me being locked in as well as the documents I was provided with the rates. He requested this information and stated he would follow up with me at the latest XX/XX/year>. 
XXXX sent him a follow up email asking for him to review and follow up. 
XXXXFollowed up again via email, he responded and stated he had not forgotten. 
XXXX emailed him again to follow up. 
XXXXHe emailed me and asked when he could call me today. Provided answer and cell phone number. He never called. 
XXXXFollowed up with call, He hit ignore and then sent a text. I replied and asked him when he would be calling. No response. 

As of today, I have had no solution or response for how they could fix this.
Product: Credit card or prepaid card

Ive recently noticed some unusual activity on my Capital One account there was a credit card open in my name and overdrawn {$500.00} and there are recurring payments from another account For different amounts and I just want them removed from my credit Bureaus I dont want to be charged for something I didnt do or a card I Never applied for
Product: Credit card or prepaid card

Synchrony Home Account that was in good standing for 18 months had regular payments, and was paid off less than 6 months ago* ( XX/XX/2021 ) was closed based off of out of date reasons that were from 4 years ago.I 've clawed my way back to rebuild my credit and they've lowered my limit every fiscal quarter for 18 months with the same reasons. They've negatively effected my credit score by reporting 100 % utilization the entire duration of account until I paid the balance. 

As soon as my credit score goes up they undermine any efforts and I work for a retailer that uses their services. Also my father was on the account and they stated that I had no form of real estate but he's a small business owner of 30 years. They're falsely claiming financial instability without actually experiencing any behavior. I realize that them crying wolf isn't against the law but it's bullying on fiscal level that's derailing any form of accurate credit reporting.
Product: Credit reporting or other personal consumer reports

Thank you for correcting some of the misleading information on my credit file. However, I am not satisfied that the guidelines of the Fair Credit Reporting Act have been fully adhered to in your examination. It seems the remaining items need further action to ensure maximum possible accuracy on my credit file. Therefore, I am requesting another investigation of the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion 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  Balance Owed : {$250.00}. If your investigation can not confirm the validity of the information I believe to be inaccurate, please remove it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My issue began several months ago when I attempted to take out a plus loan, but was denied due to TransUnion having a inaccurate report of an amount owed to a specific source, and when contacting said source they assured me that TransUnion was incorrect and had no idea where they were receiving this information from. However, after resolving this issue with TransUnion during the initial denial, dispute, ect. they assured me that the situation was resolved. I was also under the impression the issue was resolved due to earning the desired plus loan after my efforts towards addressing this situation. However, I recently encountered the same situation again at the beginning of this week when denied another plus loan for school due to the same exact faulty information that TransUnion allegedly corrected during the first instance of this situation with the incorrect information of me owing that same exact specific amount of money from that same specific source. Additionally, I have attempted to follow the same steps AGAIN to attempt to correct this issue, but TransUnion has been very difficult to work with, via their customer service representatives and their website frequently locking me out as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company several times on XX/XX/XXXX and XX/XX/XXXX and didn't get any results. On XX/XX/XXXX I spoke with a representative he could not find anything in their system. So he told me call back on XX/XX/XXXX to speak to someone in another department which I did and she informed me that she could not find anything in the repo data system. She advised me to dispute it with the credit agency and they received the dispute and they will remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres fraudulent accounts thats reporting to my Equifax and XXXX XXXX credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried repeatedly to obtain Free Annual Credit Report ... only option offered by Equifax is to request report by mail. This option required a great deal of documentation which is onerous to generate. This is the second consecutive year that Equifax has been unable to provide the Free Annual Credit Report, and they have provided no detailed reason why that is the case.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ 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
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I deposited {$20000.00} on behalf of my company into a Robinhood Personal Brokerage account for investment purposes. I immediately bought around XXXX in stock and left the leftover XXXX as cash for my next investment. 3 days later and Robinhood " temporary disables my account '', not allowing me to place any trades or withdraw any money. I submit the documents as they ask and 3 days go by again and I receive no response from the team. The box reappears again asking me for the same information that I submitted prior, I again submit my information, and additional 3 days go by and they postpone the date of when my case will be resolved. I than reach out by chat to the support team, who don't give me an answer and tell me to call the support team and close the case. I than call the Robinhood Support Team and they aren't available to talk with me. I than reach out in another support case and they again aren't able to set up a call to talk with me. It has been a month and I have XXXX just sitting in an account that I CANT DO ANYTHING ABOUT.
Product: Mortgage

I declined a forbearance extension and resumed payments starting XX/XX/2021 as instructed by my mortgage company Wells Fargo. I contacted them and informed them in XXXX that I no longer needed forbearance and resumed payments. I made payments monthly until the present. 

I made plans to refinance my loan because I did not want a hidden lean on my home to resolve the unpaid balance and pay off the principal. 

I was approved for the refinance and not able to move forward because I am being coerced to complete paperwork in order to remove the forbearance even though I was told that it expired in XXXX, instructed to make payments and have been current on those payments since making them in XXXX. 

I have informed the bank repeatedly that I did not want that options. I was asked for other options and was not provided with any alternatives. I found a finance company offering an option that works best for me and I am not being allowed the opportunity to move forward. 

I feel like I am being taken advantage of as a consumer who is trying her best to resolve a balance in a manner that meets my needs. I have a an excellent payment history with this mortgage company and I am unhappy and disappointed about the predatory behavior and unwillingness to work with me to establish this refinance and resolve the balance issue.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXXfor 5 years this has always been my residence. 
I have never had an account with XXXX XXXX XXXX {$2100.00} I have never had an account with XXXX XXXX XXXX  {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Product: Mortgage

My house had a flood. My flood insurance company wrote an advanced check for immidiate mitigation so i could afford to get the wet carpet and walls out. The check was written out to me AND the mortgage company. I never signed the back of it. I mailed it to my mortgage company with a sticky note asking them to sign the back and mail it back to me. I left my phone number if they had any questions to call me.. They told me the check was lost or written out wrong. ( it was written out to greentree, who was bought out by ditech. My mortgage broker said it was fine to have it written out to greentree ) I called flood insurance company and told them to cancel check and write a new one ( with ditech name on it this time ) I called ditech back and heard that my last payment was the amount of the advancement my flood insurance company wrote out to ME! I talked to someone else who told me it was MY FAULT for not calling ditech before sending the check and that I mailed it to the wrong processing department. They put the money towards my mortgage account and totally mishandled my money!! Now I 'm going to be charged a {$25.00} fee for THEIR mistake when that check is cancelled and bounces. Without my signature on the back, how were they even able to process it? I know my bank would tell me they need EVERYONE 'S signature in order to process it. Is n't this fraud? Did they forge my signature? How am I supposed to trust a company like this with further flood insurname checks?