23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I responded to a XXXX XXXX advertisement about a room for rent. I got in contact with the owner who told me his name was XXXX XXXX. He wrote up a rental agreement and we both signed it. He then had me XXXX him {$1000.00} for a security deposit and first months rent. A different name of XXXX XXXX showed up in the bank statement ; so thats when I knew that he was lying about his name. The XXXX advertisement had then been taken down and he has blocked my number.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX  XXXX XXXX
Product: Debt collection

Disputed validity of account never opened up an account with XXXX  in XXXX of this year as they are reporting
Product: Mortgage

Although this complaint had been answered after a long delay, I would like to place it record to demonstrate continued deception and fraudulent tactics used by Wells Fargo towards servicing my loan. 
During a call on XXXX XXXX, XXXX with a Wells Fargo representative advised me that the " XXXX XXXX '' attorneys were appointed by the State of New Jersey and Wells Fargo has no control over them. I sent in an inquiry to Wells Fargo on XXXX XXXX, XXXX seeking clarification. On XXXX XXXX, XXXX, XXXX XXXX called me to state that attorneys represented Wells Fargo but he would not be able to provide confirmation by mail before XXXX XXXX, XXXX. There was a two week lapse in receiving confirmation and Wells Fargo finally acknowledging that XXXX XXXX were retained by Wells Fargo. I believe this was another deliberate misrepresentation by Wells Fargo to delay the processing of information and prevent request for further information from their retained attorneys. The confirmation was finally mailed out XXXX XXXX, XXXX. I believe they intentionally mislead consumers by such instances of false information so that consumer are unable to contact appropriate personell.
Product: Credit card or prepaid card

I have 2 accounts with Synchrony - a Mattress Firm/Home Credit card and a XXXX XXXX XXXX XXXX. I have NEVER been late and have always been on time. However, over the past 2 years, they have decreased my credit limit so much that it lowers my credit score, due to utilization. And since it lowers my credit score, they justify lowering my limit even more. For example, I now have a card I last used in XXXX. My original credit limit was {$5000.00}. My credit limit now is {$2000.00}, but I owe {$3200.00} because I could not pay the purchase in full in 12 months. So it shows that I'm over my limit, which decreases my credit score. My Mattress Card Credit card 's limit was {$6000.00}, and they reduced the limit over time to {$1300.00}. Again, every payment was paid on time. I paid the card off, and they closed the account just when I was about to use it again. This closed account has lowered my score again. When I asked, they said my XXXX XXXX was in the XXXX. Who uses XXXX XXXX to determine credit? NO ONE! They did not use XXXX XXXX to determine my credit when I first received the card. And my credit score is the same NOW as it was back then, even though I was able to increase it, these actions with Synchrony have lowered it over time. Again, I have no late payments on my credit report and no collections. NONE! My XXXX score is XXXX when they insist that XXXX XXXX  is XXXX. It's not adding up. This is an unfair credit practice. I want my credit limit for XXXX XXXX XXXX, to be at least {$5000.00} so I can get my utilization back. I won't use the card, because I NEVER want to do business with this shady company again. They have also denied EVERY credit limit increase request even though I have NEVER EVER EVER been late with them, nor do I have ANY late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address several violations of my rights and privacy by various organizations. 

1. **Department of EducationXXXX XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the Department of Education/XXXX  has violated my rights by contravening the Educational and Privacy Act. This act states that XXXX XXXX should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

2. **Equifax** XXXX Equifax is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, is reporting a charge-off. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

Equifax XXXX XXXX is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. XXXX and Equifax 's failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds Equifax accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.
Product: Debt collection

I rented a unit at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX beginning in XXXX 2016. The term of lease was from XX/XX/XXXX-XX/XX/2016. I had my final moveout inspection XX/XX/XXXX, and the business was made aware that I would not be renewing my contract. The inspection was fine, and we signed paperwork indicating no damages. XXXX XXXX was the last day of the contract. I paid my XX/XX/XXXX rent and made sure my balance was at {$0.00} at the end of the month. On or about XXXX XXXX, 2016, I received a notice from bill collectors indicating I owed {$580.00}. I called the office and they indicated that I did n't owe anything and my balance was at {$0.00}. I then went to the complex to meet with the bookkeeper, XXXX ( XXXX ). She stated that technical error had caused me to be billed for XX/XX/XXXX, even though they knew I was no longer living there. She also indicated that she would call headquarters and call me the next day with the problem resolved. She also stated she would make sure the bill collectors were aware that the notice to them was in error. She gave me a printout showing that in their system, they had corrected their mistake. We have repeatedly called and emailed since then, and have not been given any notice that the problem is resolved. We also called XXXX XXXX XXXX, that manages the apartment, but there is no working number to reach a live person. Moreover, I received a call this morning from the bill collectors ( IQ Data ) who stated that they had not been given any other information from the management to indicate this was a mistake on their part. They stated even though I sent in a dispute, they did not need verification from the business that the debt was really owed, in violation of my rights under the Fair Debt Collection Act. They stated this will affect my credit, and I should pay the bill and try to get a refund later. I refused. Finally, I have not been refunded my security deposit and it has been 30 days since I have moved out.
Product: Mortgage

I am submitting a formal complaint against Rushmore Servicing LLC for engaging in unfair mortgage servicing practices that led to the wrongful foreclosure of my home at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The foreclosure sale occurred on XX/XX/year>, through a nonjudicial auction, where the property reverted to Rushmore Servicing after failing to receive third-party bids. However, I was never provided proper notice of default or foreclosure by certified mail, email, or personal service, violating federal and Texas foreclosure laws. 

Furthermore : I have resided in this home for XXXX years and was approved for a {$47000.00} Texas state grant during the XXXX XXXX for mortgage assistance. 

I have documented financial hardship due to a car accident, which should have been considered before foreclosure. 

Upon calling Rushmore Servicing on [ Insert Date ], I discovered they did not even have my correct phone number on file, proving that I was never properly notified of my foreclosure. 


Rushmore Servicings actions violate : 1. The Real Estate Settlement Procedures Act ( RESPA ) XXXX U.S.C. XXXX, which mandates proper loan servicing and borrower notification. 

2. The Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, which prohibits deceptive and unfair mortgage servicing practices. 


I request that the CFPB investigate Rushmore Servicing LLC for predatory foreclosure practices and require them to : 1. Reverse the foreclosure sale and reinstate my mortgage. 

2. Provide a written explanation of why I was not notified properly. 

3. Offer foreclosure alternatives, such as loan modification or repayment plans. 


Enclosed, I have attached : My correspondence with Rushmore Servicing. 

Documentation of my financial hardship. 

Proof of residence and my XXXX Texas government grant assistance in the amount of XXXX paid towards my mortgage before the nonjudicial sale of the home without notice
Product: Credit reporting or other personal consumer reports

XXXX is reporting to Experian that I made a late payment on XX/XX/2022 which is false, XXXX also reported to XXXX no late payment XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX XXXX XXXX for a XXXX account for a year & a half & they refused to update my credit report to show I was making payments. The original amount was {$3400.00}. On XXXX XXXX, 2017 I came to an agreement which I got in writing from them before sending payment. The item was settled in full & was supposed to be removed from my TransUnion report. After multiple disputes & phone calls & submitting a paid in full letter from XXXX to TransUnion the item was still confirmed by XXXX to TransUnion as owing {$3400.00}. I ca n't get it off my report no matter how I try. XXXX claims it has a XXXX balance TransUnion claims XXXX confirms I owe {$3400.00} meanwhile my credit score suffers & I am declined for further credit. I need help XXXX uses unfair collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to experian about an account that keeps popping up on my account. I have submitted everything they ask for over three months. The representative XXXX was very rude and XXXX and talked to me crazy. I requested to speak with a supervisor and he refused. I have never been treated so poorly.
Product: Mortgage

My father passed away we my brother XXXX XXXX is the executer of the estate have had an offer on the house to purchase the property and shellpoint will not furnish the payoff. We have provided estate information. Requested several times to receive the payoff. Now it's been almost a month they have told us they would escalate and now have made escrow disbursements of over XXXX causing a negative escrow balance. A supervisor in customer service named XXXX XXXX stated she would escalate the payoff. Every time we call they give us a different story about why they can't provide a payoff while we continue to accrue interest and fees.
Product: Credit card

Heres a simplified version of your complaint : This company incorrectly reported a late payment on my credit report between XX/XX/year>, and XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), they violated my rights by sharing my private financial information without giving me the chance to opt out, as required by 15 USC 6801 ( a ). 

They shared my information with XXXX, XXXX, and XXXX, which are considered nonaffiliated third parties under 15 USC 6809 ( XXXX ). This sharing violates 15 USC 6802 because I was not notified or given a chance to stop it.

Even if these companies claim to be affiliates, the FCRA still requires that I be informed and given the option to prevent my information from being shared, as stated in 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). This company did not do that. 

By failing to notify me and not giving me the right to opt out, this company has violated my privacy and broken multiple federal laws.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Transunion ] [ Consumer Solutions ] [ XXXX XXXX XXXX XXXX XXXX PA XXXX ] Subject : Request for Reinvestigation of Inaccurate Information in My Credit Report Pursuant to the CARES Act, FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ), and TILA Dear [ Transunion ] Representatives, I am writing regarding an open credit card account that appears on my credit report, showing a late payment record in XX/XX/XXXX. This late payment occurred during the period when certain financial protections related to the pandemic were still in effect. Considering the protections established under the CARES Act, I am requesting that this inaccurate entry be removed from my credit history. I am citing the following considerations based on applicable laws : 1. CARES Act : During the COVID-19 pandemic, the CARES Act provided consumer protections. Many creditors offered payment relief or deferments to impacted customers, and credit bureaus were expected to accurately reflect these accommodations in credit reports. I request that this account be reviewed under the CARES Act, and that the recorded late payment be removed to accurately reflect the impact of the pandemic and any possible relief measures. 2. FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ) : 1681e ( b ) : This section requires that credit bureaus maintain reasonable procedures to ensure accuracy in credit reports. The inclusion of a late payment during this period is inconsistent with my financial situation during the pandemic and represents inaccurate information. 1681i : This law grants me the right to request a reinvestigation when disputing the accuracy of an entry in my report. Please conduct a thorough investigation and remove or correct any inaccurate information on this account in my record. 1681s-2 ( a ) and ( b ) : The FCRA requires information furnishers to update and correct any errors in reported information. I request that you contact the issuer of this credit card to ensure they report the account accurately, removing the late payment from XX/XX/XXXX. 1681g : Under this section, I have the right to receive a copy of my credit report and a detailed report of any reinvestigation. I ask that, upon completion of your investigation, you provide me with a full copy of my updated report. 3. TILA ( Truth in Lending Act ) : TILA requires that lenders provide clear and accurate information on loan terms and conditions. If my lender offered a deferral during the pandemic, recording a late payment without proper notice and clarity may be a violation of TILA. Please proceed with the immediate removal of this late payment or any information that does not comply with FCRA, the CARES Act, and TILA. I appreciate your attention to this matter and look forward to a favorable resolution within the 30-day period stipulated by law. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

This debt was written off in bankruptcy and is more then 15 year ago. XXXX XXXX was the original owner of the debt and it's now with a Collection company. I spoke with XXXX XXXX & they no longer have it on their collection record. I've been getting threatening collection calls from this company. I gave them my bankruptcy information and they refuse to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let it be know to all that XXXX XXXX XXXX have purr perjured themselves again! A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law - Heres another example on record again today. They claimed that dispute number XXXX is a duplicate of XXXX lol- it is not even remotely they same dispute and certainly not a duplicate! They are out of control!
Product: Credit card or prepaid card

Synchrony Bank has consistently lowered credit limits and even closed my accounts that were always paid on time and were in good standing! This has created problems with my XXXX XXXX dropping. Two of the accounts they closed were two of my longest standing accounts, were used and not inactive, and paid every month on time for over 10 years!
Product: Debt collection

XXXX apartments XXXX XXXX Texas - Sent XXXX different amounts within a month, none of them in regards to my contract - made accusations that are not true
Product: Checking or savings account

On XX/XX/XXXX at roughly XXXX I received a text alert that there was suspicious activity on my debit card. At this time I was at work on camera at my office in XXXX Ohio. I started work at XXXX and was there until XXXX as always. I did NOT reply to text message instead I immediately checked my bank app and called XXXX XXXX XXXX. These charges were at a XXXX XXXX and an XXXX XXXX in XXXX Ohio, almost XXXX hours away from me. They were debit transactions yet I did have my physical card with me. I had also used my card in XXXX Ohio on my way into work that morning at a XXXX. I did not receive a text warning until the XXXX charge was attempted, therefor XXXX charges were posted already. I did not authorize these charges! I do not know of anyone that would have my information either. I don't know how this happened but I know it was not me. 
On XX/XX/XXXX I received a letter stating that these charges were authorized so I won't get my money back. I have been fighting with XXXX for too long with nothing to show for it. I told them I want cameras checked to prove that it was not me, as I was at work. XXXX stated they don't do that. I did call again and request my dispute be re-opened on XX/XX/XXXX. 

I attempted to get my text message history to prove I never sent an authorization text message. They state I did approve through text. I absolutely did NOT and would not approve this! That was all of my money! 
Also I've spoken to the XXXX XXXX customer service and they said this charge didn't take place. They checked everyday of the week ( XX/XX/XXXX - XX/XX/XXXX ) and there was no charge for this amount at once at all. XXXX XXXX doesn't have my money and neither do I. 

I have spoken to an attorney who told me i am doing all the right things and the next step after this would be small claims court but I don't know how that would go. Who do I go after XXXX? This big bank. 

I also filed a police report in XXXX which will be attached. I have continuously called and emailed XXXX XXXX XXXX since XXXX. I will not give up! 
As of now the XXXX police say unfortunately there are too many cases like this to investigate each one. So they are not even looking into this for me. At least a report was filed. 

My card at the time was immediately deactivated, within an hour of my finding these charges. I acted immediately. 

XXXX XXXX charge was for {$2100.00} ( XXXX XXXX XXXX XXXX Ohio XXXX ) XXXX XXXX charge was for {$440.00} ( XXXX XXXX XXXX XXXX Ohio XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX