23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I first made initial contact with Rent Recovery Solutions on XX/XX/2023, where I clearly stated the validity of this debt and the inaccuracies reported to the credit reporting agencies. Upon checking my credit report on XX/XX/2023, nothing has changed, and I have not been contacted to remedy this situation. 

In accordance with 15 U.S. Code 1681s2 ( A ) ( B ) : ( A ) Reporting information with actual knowledge of errors : 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. 
( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Rent Recovery Solutions also acted as the original creditor in this debt collection practice, knowing that the account I have with the true original creditor has a {$0.00} balance ( see attachment ). Therefore, by law, this debt collection process is against the law, as referenced by 15 U.S. Code 1692j ( a ) ( b ) : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such a consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when, in fact, such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

According to the FDCPA " No Parking Rule, '' they're in violation because no contact verbally, physically, or virtually was made with me ( consumer ) prior to reporting this collection account on my credit report, and they can expect law enforcement scrutiny.

This goes against the law that upholds debt collection practices, and I request the immediate removal of this inaccurate collection, Rent Recovery Solutions, from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing old accounts over 7-10 yrs closed and credit score dropped XXXX points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by XXXX months or more and on time 100 %. 

In fact, it should be well over XXXX points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX American.
Product: Debt collection

According to 15. U.S.C. 1681 ( e ) b you have violated my rights by in lawful communications. Please remove this collection off my credit report. Thank you!
Product: Student loan

I am currently entitled to a refund of {$6500.00} on the loans I paid for after XX/XX/2020 according to the CARES Act student legislation. I first emailed my loan servicer provider in the exact way that the student aid gov website recommended asking for a refund on XX/XX/XXXX. I figured they did not respond right away due to many students requesting for a refund currently so I went ahead and called them on XX/XX/XXXX. On the phone I was told that they would submit a refund request for me and I would receive my refund anywhere from 150-200 days and was also told there's a possibility I may not even get the refund. I was then expecting a confirmation email after for the refund request, but did not receive one. On XX/XX/XXXX Ed financial replied to my initial email that I had sent on XX/XX/XXXX saying they submitted a refund request for me. I found that hard to believe as I thought they had already submitted that request on XX/XX/XXXX for me during the phone call? And even if they are re- submitting a request for me, how are they doing that without first verifying my information? In the initial email I had sent them, all I had provided was my name! I think they just sent me a bogus email to shut me up. I'm getting suspicious of this loan service and I don't believe they are submitting a request for a refund on my behalf, I think they are trying to scam me. All other loan services have already refunded students their money back or at least sent them a confirmation email saying that the money will eventually return to the student, but this loan service failed to do so.
Product: Mortgage

Greetings, This is in reference to several complaints that I filed against Wells Fargo to include the recent complaint filed under XXXX. 

I recently received an XX/XX/XXXXXXXX  dated letter from Wells Fargo stating " during a review of the account, we identified that when we considered the account for a deferral review, an issue occurred. '' Wells Fargo included with the dated letter a check for {$1700.00}. They also mentioned in the letter for any inconvenience this may have caused. 

Any inconvenience??? 

I lost my home because of Wells Fargo 's unethical, illegal, and discriminatory mortgage practices! 

I was proactive and reached out to Wells Fargo on several occasions PRIOR TO and DURING COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

Wells Fargo refused to help me, a 21-plus years XXXX XXXX and PERMANENTLY XXXX MILITARY VETERAN, because of the color of my skin! 

Instead, Wells Fargo initiated foreclosure proceedings on XX/XX/XXXX and ruined my credit rating. 

I was FORCED to sell my family home. It was a TREMENDOUS loss emotionally, physically, and financially. 

Wells Fargo kept making previous comments that they did not do anything wrong despite my many documented complaints about their mortgage practices. 

Wells Fargo harmed me and my family and is still harming me and my family by sending a check for {$1700.00} for what they call an inconvenience!!! 

This is extremely insulting and insensitive! 

My complaints ( and the plethora of complaints from others ) is well founded! 

The {$1700.00} is nowhere near the compensation that is due to me and my family for Wells Fargo 's deplorable actions! 

Furthermore, I have not received any other payment from Wells Fargo despite what is reflected in the XX/XX/XXXX dated letter. 

CFPB, I implore you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, there is a unauthorized inquiry from Conn 's on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX
Product: Debt collection

Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.
Product: Checking or savings account

My account was closed siting overdrafts and not able to make credit card payments online resulting in late payments
Product: Debt collection

I have sent a certified letter to the company in question to verify and gather other information per the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and they have stated to me that they are not required to provide any information that is required.
Product: Money transfer, virtual currency, or money service

I was contacted on XX/XX/XXXX via text message about an XXXX  opportunity to do a commercial with XXXX. I followed up with the opportunity and was told I would receive a check of {$5400.00} from XXXX XXXX  of Arizona for my involvement in the project. I was contacted by another cell number where they told me they would send a check via usps in the amount of XXXX. The mail arrived XX/XX/XXXX in a USPS Express box. I was told to deposit the check on XX/XX/XXXX and later told to withdraw the amount of XXXX out of my Bank of America account on XX/XX/XXXX. After withdrawing the money, I was told to wire the money via bitcoin Atm. On XX/XX/XXXX, I contacted my bank because my card kept getting declined. I was directed to the check fraud customer service and explained my situation but was told there is nothing they can do about it even though they did not detect the check was fraudulent during the deposit resulting in my complaint.
Product: Debt collection

Someone fraudulently opened an account with America First Credit Union in my former name and spent {$17000.00} according to the negative information that I discovered on my credit report. The address reported that is associated with the account is a place I have never lived at or have ever been associated with. I have lived in Texas since XX/XX/XXXX and I do not think we have America First Credit Union here. On my credit report, it states this account was opened in XX/XX/XXXX. I legally changed my name in XX/XX/XXXX and also changed my name on my social security number in XX/XX/XXXX so if this account were truly mine, I would have used my current name, XXXX XXXX XXXX, to open the account. I have reached out to America First Credit Union regarding this information and they claim that they have already sent the account to collections. I believe I am the victim of identity fraud & will do whatever I can to prove that this account is not mine. I have submitted disputes with XXXX and XXXX, wrote letters to America First Credit Union with all my correct information to prove the account is not mine but have not succeeded with disputing this account. I have also submitted a report on identity theft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter to experian, XXXX and XXXX to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid
Product: Credit reporting or other personal consumer reports

Westlake Financial Services is reporting the balance on my account incorrectly. This account is paid in full and closed. I would like them to up date to my current and correct information as soon as possible. This account has a XXXX balance and is being reported incorrectly, which is adversely affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has, on a regular basis omitted correct information updated on other credit reporting agency sites. 

They have willfully and deliberately left correct information off my credit file that reflects the correct and valid status of two accounts. 

I have sent them information via Text, XXXX Page Post, and Direct Dispute on their XX/XX/XXXX Site, to NO AVAIL. 

This Agency is to update credit file information in a timely, correct, and factual manner. They have NOT and continue to NOT do due diligence to ensure this is corrected. 

The FTC is VEY clear on this and I have requested {$4100.00} x2 for the errors on their site in a written response, to NOT hear a thing back or have the information corrected. 

I will attach my correspondence and I FULLY EXPECT a check for {$8200.00} tendered to me directly and promptly. This is the FTC/CFPB responsibility to ensure those FINES are tendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for myEquifax on XX/XX/2022 to freeze my credit but was never able to get into the website due to an error. " We are temporarily unable to complete this request. Please try again later. '' I was able to freeze XXXX and XXXX but forgot to go back to Equifax until I got an email on XX/XX/2022 that someone pulled a hard inquiry on my Equifax report. I still can not log into the website to either freeze my credit or check my free annual report.
Product: Mortgage

I began working with Movement Mortgage in XXXX of XXXX to secure a HELOC on one of my properties. In XXXX of XXXX they ordered an appraisal of the unit. I paid for an appraisal that had inaccurate facts representing the property. 

The appraisal stated that the unit was XXXX sqft. The unit is actually XXXX sqft. The appraisal stated that the unit had one parking space. This unit actually has 3 parking spaces and is located in an urban neighborhood of XXXX WA where parking is a prime feature of sold properties. Finally comps provided by the appraisal company were dated and not a true match to the type and usage of the unit. This unit is located in a Realestate market that has consistently show appreciation since my purchase date. 

After reviewing the appraisal I requested that a new appraisal was ordered, based on the gross inaccuracies. Movement Mortgage told me that it was best if I completed an appraisal revision. They shared that scrapping an appraisal was not common practice. Per their direction I completed the revision only to learn that it was would not change the original appraisal evaluation and there would be no consideration for the inaccuracies in the original appraisal. 

I do not understand how this was not reconsidered. I feel that the actions of Movement Mortgage were irresponsible and misleading. They asked me to pay for an appraisal that was far from correct and provided no apology or correction for the mistake.
Product: Student loan

I took out XXXX student loans through Navient/Sallie Mae back then with my schools guidance several years ago ( XXXX ) My school insisted they would be manageable payments and pressured me to just sign and read later. At the time they gave me the paper they asked I sign it then and there and could read the terms afterwards. As a first generation college student, I didnt realize just how for profit my institution was ( Illinois XXXX XXXX XXXX XXXX XXXX XXXX. I took out XXXX loans in the amounts of XXXX and XXXX. The interest rate was variable. Once I graduated in XXXX, it took me a while to get finally stable so I deferred the loans as long as possible until I had to start payments. I was given a high payment rate of around {$270.00} per month ( and this is in addition to my other Sallie Mae loans. My interest rate started around 10 %. I was temporarily unemployed and was told that there were zero options for repayment since I used up my forbearance. I was given zero options and told that I either pay the listed amount of default. Those were my two options. I fell behind 3 months because I had to pay for rent with my limited income vs. my student loans. To this day I can not reconsolidate my loans due to these negative remarks for these 3 months being on my credit report. Other than those 3 month, I have paid on time and consecutively for 5+ years and my interest rate along with payment continues to soar with no options to lower either. I am now paying {$470.00} a month with interest rates of 17 and 18 %. The worst part is, on my credit report these loans are -75 % paid off. NEGATIVE 75 %. How is that even possible when a large chunk of my month income goes to the loans. I paid almost $ XXXX interest alone last year. I understand I took out the loan, I signed and I have to pay it back but this is truly fraudulent and downright terrible when I put myself through school to make a better life for myself only to have sunk myself in a hole with these student loans where the interest keeps raising, the payment keeps raising and the negative percentage I have paid off of these loans keeps getting bigger. My school closed several years ago and my government loans have been forgiven but Im still stuck with paying XXXX back in private student loans across Navient and Sallie Mae. Sallie Mae has also made my financial hardships unmanageable as well. They have also hiked the interest rate severely and offer zero options other than paying almost $ XXXX. Between Sallie Mae and Navient, my monthly payment is {$1200.00}. Both offer zero option for any type of lowered payment and state - pay or default. Those are the two options.
Product: Credit reporting or other personal consumer reports

my accounts was never late i had exceptional payment with history with XXXX XXXXXXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment.
Product: Debt collection

I have been constantly been getting annoying phone calls from a debt collection agency over a debt that is XXXX years old. I tried to reach a settlement with the collection agency in which they replied that they would get back to me with a response. One of the representatives then proceeded to daily harass my family members stating that they where going to arrest my mother, garnish my aunts social security benefits. I contacted the debt collection agency and asked them to please stop calling my family members and if they had any further questions to contact me either by phone or email, i received no calls from them but they continue to harass and intimidate my aunt. I called the agency again and told them that i would make payments as previously discuss i just wanted in writing what we had agreed on the amount of settlement and the monthly payments that would then follow. Still i heard no response from the agency they continued to intimidate my aunt about my debt. The problem is this agency wont accept payment if it is not cash and they ignore the fact that i am requesting written notice of the settlement amount we had agreed on. I also dislike how they continue to badger my aunt about them garnishing her social security benefits, and telling her they have a lawyer. My aunt is XXXX XXXX woman whose only income is her social security benefits, she is ill and does not need a collection agency aggravating her daily with threats.
Product: Credit card or prepaid card

Dear Sir or Madam : The purpose of this complaint is that my bank, Capital One has been very unresponsive to my inquiries and complaints. This is either because I am dealing with very stupid people, or because Capital One likes to violate Federal law. 

Let me start writing this complaint from the beginning. During late XXXX I applied for a credit line increase from Capital One. It was my fourth request. All of my requests were declined. Capital Ones XXXX declination letter dated XX/XX/2021 is attached as Attachment XXXX XXXX XXXX. I decided to respond to this complaint and a copy of my response dated XX/XX/2021 is attached as Attachment XXXX, XXXX pages. My response is so clear and concise that even a XXXX XXXX XXXX could understand it. 

Capital One responded to my letter with a response dated XX/XX/2021. This response was made on their website as Capital One is too lazy to respond to my letter by mail, like I did with mine. Capital One titled their letter Generic Prefill Letter, which on its face sounds like an insult to me. Now I am very angry. A copy of Capital Ones response is attached as Attachment 3. As the reader will easily see, Capital Ones response to my letter is totally unresponsive to my letter dated XX/XX/2021. What kind of people am I dealing with here? 

I responded to Capital Ones XX/XX/XXXX letter with another response dated XX/XX/2021. A copy of that letter is attached as Attachment XXXX. I made sure that I conveyed that I was angry with Capital Ones last response. I also conveyed that I thought Capital Ones response was highly insulting to me. In my response I gave Capital One XXXX business days to respond to my original concerns or I would escalate the matter to the CFPB. Capital One responded on XX/XX/2021, clearly outside of the XXXX day limit I gave them. A copy of Capital Ones XX/XX/XXXX response is attached as Attachment XXXX. 

Again Capital Ones response was totally unresponsive to my concerns and basically Capital One had no understanding of what I was talking about. I think this is an important point. The reader of this complaint will note that on each one of Capital Ones letters they point to a case number that I also noted in my XX/XX/XXXX response. That case number is XXXX. Capital One is clearly tracking my file, but claims they have no idea of what I am talking about. I think that this point to stupidity on the part of Capital One. Capital One is very good at collecting money and little else. I am asking the CFPB to take sanctions against Capital One for their conduct.