23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email from XXXX that a collection had been reported on my credit. I immediately called Sequium to inquire what it was for and the phone was answered by a recording that sounded very similar to the recording used by the IRS scam calls that are being perpetrated around the nation. I pressed 0 and someone with an untintelligible voice answered. It was extremely difficult to understand and when I asked to be transferred to someone in the US they stated that they were in the US. Fearing a scam, I called again during the week and spoke to someone who I could understand but she explained that she need to transfer me overseas. I found this very suspect but I was able to get enough information from them to determine that the account was for an old XXXX XXXX account that I had terminated and XXXX XXXX had continued charging me for two months. I confirmed with the person that if I paid XXXX XXXX  directly ( so I could continue to dispute ) the item would be removed from the reporting agencies within a reasonable time. This was an extremely important condition of my satisfying the account because otherwise I would have continued communication with XXXX XXXX about the dispute. I was applying for licensing in Florida and having the item remain after paid would be something that would more than likely affect the outcome. I called XXXX XXXX immediately and settled the amount. I called Sequium some time later to confirm the payment and that account would be removed. I was advised that it took some time to update the account and to call at a later time. In the meantime, I disputed the account to the three reporting agencies in an effort to expedite the matter. I just received a response to one my disputes and the only thing Sequim did was revise the account to show that it was paid. When I called this afternoon and spoke to a supervisor they stated that no one had told me that it would be removed and too bad. I believe this is a very unfair tactic used by this company to collect on these probably small amounts from unsuspecting consumers. They do not send notice of the item and immediately report to the credit reporting agencies with a promise to remove upon payment. They are probably one of the few collections agencies that employ this tactic as I have seen online that most credit collection agencies remove the negative item from the report as soon as it has been satisfied. Unfortunately, the matter remains on my reports, I have no standing with which to dispute the account with XXXX XXXX since I have paid them and the negative account will affect my application. I believe this is something that should be investigated and that companies such as Sequium be penalized or fined for this deceptive trade practice and unfair credit collection. I am sure they have done this to countless unsuspecting consumers who are now looked upon as felons or criminals since they have a collection report on their credit reports. Sadly, I would like everyone who reads this TO NOT PAY SEQUIUM AND CONTINUE TO DISPUTE THE DEBT since paying the debt off will give you no leverage to have the item removed even if it was reported incorrectly.
Product: Bank account or service

I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 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 XXXX years. 
15 USC 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 the information is inaccurate. 

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts ASAP
Product: Debt collection

Hello, I received a letter from Pro Collect Incorporated, with a settlement offer for 50 % of the original debt amount. I called because I wanted to pay the settlement amount of {$550.00}. The original balance is {$1100.00}. The settlement offer was good if received by XXXX When I called to make the payment, the representative indicated they would add an additional {$8.00} to the settlement balance. I indicated that this amount was not indicated on the settlement offer. ( If I had not called and just sent in a check for the amount {$550.00}, there would still be a balance on the account of {$8.00} ) I indicated to two representatives that the settlement letter only indicated {$550.00} due and that they would send a deletion to the Credit Bureaus, one of the representatives stated that I would have to send the letter to the XXXX to have the deletion completed. I indicated to the representatives that the letter is indicating verbiage differently. The supervisor said she wasn't going to argue with me and hung up the phone. I would like CFPB to look into this company for sending a settlement letter with one amount however trying to collect an additional amounts not indicated on the letter. Also, for including on the letter that they would delete the account from the XXXX, but when i called, I am being told it is my responsibility to do so. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Equifax. Also I have sent my FTC report to them but still nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

Midland funding continues to attempt to collect a debt for an account I never opened. The account is originally with XXXX XXXX  per my credit report however, no further information has been furnished to figure out who opened this account in my name. I have disputed with the credit bureau and submitted a police report. I have recently filed a report with FTC because I am getting no responses from Midland Funding regarding this fraudulent account.
Product: Credit card

I opened my Barclay Arrival+ card in early XX/XX/XXXX. I had made about 7-8 purchases on the card and was awarded my points, etc. I went to use the card on XX/XX/XXXX and the purchase was denied. I called to find out why my card was n't working and they said I 'll receive a letter that my account was closed. I have XXXX in points that I wo n't be able to use now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.
Product: Mortgage

We were applying for a mortgage loan with Wells Fargo Bank, N.A. On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social security numbers, bank account numbers, previous addresses, bank account numbers, everything, to the wrong address. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong address. Well Fargo advised that they would make efforts to retrieve it, but to date, XX/XX/2018, we have heard nothing back from them. We had to change every bank account and credit card we have.
Product: Bank account or service

I opened a Paypal account about 4-5 months, As part of the screening process, I was asked for all my contact, personal and bank information. after my account was approved, Paypal restricted access to my account, pending a review. Again they asked for my info, which was provided and my access was restored. On or About XX/XX/XXXX, Paypal again restricted my account, this time there is a large amount of money in the account. When I asked them why my account was restricted they refuse to tell me, nor will they provide any information as to why my account can not be used. Paypal sent an email stating that they were reviewing the account and to provide the info again, then refused to accept the information. Once again Paypal was called, and the agent was asking questions about what was purchased, where the money was transferred from, and why I purchased a Paypal cash card, their official product and for what it was used for. Again, they are asking all these questions without providing any answers as to why my account is restricted and they are keeping my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified transunion multiple times of the identity theft. They were sent and they received copies of my State ID, my bank statements verifying my address as well as a police report and federal trade commission report documenting the FRAUDULENT ACCOUNTS and the Identity theft. They have Failed to take any action and have refused to remove the Transunion was notifed of the identity theft XX/XX/2023 & XX/XX/2023. In writing via certified mail. As well as multiple online disputes online. 

XXXX  account XXXX XXXX Reporting a {$600.00} balance this account is IDENTITY THEFT and fraudulent. 

XXXX account XXXX XXXX This is fraudulent and identity theft They are also report an address of XXXX XXXX XXXX XXXX sc XXXX This is not my residence I haven't lived here this is a business address on XXXX. 

Transunion is refusing to comply with the FCRA REGULATIONS.
Product: Credit reporting or other personal consumer reports

Equifax and Experian did not remove and update my credit report as requested in the dispute. 
Equifax is still reporting invalid and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month i sent out some documents to XXXX, Equifax and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

I was notified by XXXX XXXX XXXX. on XX/XX/XXXX that my husband 's SS #, DOB , phone number ( but not address ) and identity had been used to get credit from XXXX XXXX  to purchase furniture online from XXXX XXXX XXXX for {$4700.00} on XX/XX/XXXX. The loan was purchased by Cavalry SPV I/LLC ( file # XXXX ). I discussed this with Cavalry and the address used was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA and we had never lived there. I assume the furniture was delivered there or some other location. It looks that purchase happened on 2 separate occasions. We have never lived in XXXX XXXX. Cavalry had my current address as they send us the bill. They would also have my previous address. 

I did file a police report with XXXX Co. GA sheriff 's office ( file # XXXX ). I also wrote a letter to Cavalry explaining that this was not my husband and we never purchased with credit from XXXX. I have purchased from there but always charged with XXXX. 

I believe Cavalry knows this was not my husband and this was identity thief/fraud based on my discussion with them but they are continuing to contact us. This is harassment as we are the victims! They know the furniture was purchased under fraud and they know where it was delivered! I requested the debt be removed from our credit reports and any other places it may appear as it is not us! According to them, they need this formal, notarized document to do an investigation. That is not a legal requirement! I want this to go away and them leave us alone!
Product: Credit reporting or other personal consumer reports

I have discovered a fraudulent hard inquiry on my credit report, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX pulled an authorized hard inquiry from my XXXX and XXXX  credit report.
Product: Checking or savings account

I have been a customer of Truist, and all of its previous banks since 1987, and since Truist merged with Suntrust, it has been nothing but problems ranging from fraud on my account, the inability to resolve the fraud, horrible customer service, excessive fees, bait & switch, and solicitation of services that have led to negative credit ratings. 

Most recently, in XXXX Truist solicited ME to open a cash reserve account based on my average balance. I did not inquire about this, but I accepted the offer as a way to build my credit profile. The amount issued was {$700.00} & I instructed them to take the monthly payment out of my account. They did NOT do this & by the time I was aware I was behind on the account despite the fact that their terms said they would auto draft the payment. Then, I made payments & yet they still said I was behind, and WITHOUT notifying me, randomly took {$340.00} out of my account in late XXXX, causing me to be overdrawn. 

I attempted to resolve it on the phone, went to the branch, & refused to deposit funds into the account until they resolved it. They lied, never fixed it, then without notifying me, closed the account causing me numerous issues as I had direct deposits to the account. They still have not fixed it. 

Then in XXXX I opened a new account before they closed my original account and they offered a {$400.00} bonus if, after 90 days, I met certain requirements, which I did. I called in early XXXX to ask about the bonus, was given the run around, and still do not have my {$400.00}. 

This is bait & switch & I want them held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!