23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who SEQUIUM ASSET SOLUTIONS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. SEQUIUM ASSET SOLUTIONS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized SEQUIUM ASSET SOLUTIONS as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ SEQUIUM ASSET SOLUTIONS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to SEQUIUM ASSET SOLUTIONS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 12 letters of formal complaints via certified mail to XXXX and TransUnion regarding the reporting of inquiries on my credit report that are not of factual record. I have discovered that the only permissible purposes for pulling someones credit are : 1 ) A firm offer of personal credit 2 ) Insurance 3 ) Employment 4 ) Court Order
Product: Credit reporting or other personal consumer reports

I am working to fix wrong reports on my credit file. I should get {$1000.00} per mistake according to the XXXX Credit Report XXXX. FCRA XXXX says we must report wrong accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Recently, I found account in my Equifax credit report that doesn't belong to me. I don't know this account and I have never had anything in common with this bank. This account appeared recently from nowhere and is reported as closed Authorized User account and my friend advised me to contact you in order to make an investigation and help me to remove this account. I would like to have a fair reporting. I believe this account was placed my mistake. Please help me. 

The account is as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to easy identify myself please us the XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.
Product: Credit reporting or other personal consumer reports

Used my information unlawfully. 
Restarted old accounts that should have been removed. 
Did not remove old creditors that are passed the deadline for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair creditor reporting act this creditor has violated my rights. under 15usc1681 section 602 states i have the right to privacy. 15usc1681 section 604a section 2 it also states that the consumer report agency can not furnish an account without written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an opened consumer credit report payment plan as late for any purpose.
Product: Vehicle loan or lease

Im filing a complaint about the company US Auto Service Financing in XXXX, Ga. The company has continuously interrupted the service of my vehicle by using a kill switch to stop the motion of my vehicle. I opened the account with US Auto in XXXX of XXXX, have made monthly payments on my vehicle of $ XXXX but still found myself making extra payments to keep my car from being shut off. In XXXX of XXXX this company notified me that I would have to pay for Gap insurance on my vehicle although it was cover under my own personal insurance company that Ive had in order to get the car off the lot. As of XXXX of XXXX all location has been shut down and Us Auto sold my loan to another company Westlake Portfolio with out my signed consent. The inconvenience of this company cause me a tremendous amount in XXXX fee and cash rides needed to commute to and from work as my car was shut off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX of XXXX, I received a phone call from Synchrony Bank that I owed them {$320.00}. 

I explained to them that I had paid the remaining balance on that account back in XXXX of XXXX and closed the account. The account was taken out by my wife around XXXX and upon her death on XX/XX/XXXX I had made every attempt to clear out any balances and accounts that she may have had. 

I called Synchrony Bank on XX/XX/XXXX and made 2 payments by phone. One payment was for a monthly payment and the second payment was also made on XX/XX/XXXX for a payoff balance on the account and to close the account. That was the last time I had any contact with Synchrony Bank. 

I remained at my home until I had sold it in XXXX of XXXX. I moved to another town and had all of my mail forwarded to my new address. During this time I had not received any correspondence from Synchrony Bank about any outstanding balance due. 

It wasn't until XX/XX/XXXX that I had received a phone call from Synchrony Bank saying that I owe then {$320.00}. I told them that they were wrong because I had payed off the balance and closed the account back in XXXX of XXXX. 

They have continued to send me letters demanding that I pay them the money. I have also received letters from a collection agency as well. I have been in constant contact with them trying to get this issue resolved, but after sending them proof of payments on the account in question they still demand that I pay them or they are going to report me to all of the credit reporting agencies for non payment. 

I have sent them and the collection company proof of payment 3 times. I also found that Synchrony Bank waited 6 days to process an ACH payment, which if processed at the end of the work day would have shown that the payments were made in full to the account. By them not processing the payments until the XXXX of XXXX, they may have caused the account to get charged additional interest which it shouldn't have been charged. 

The amount was for {$46.00} but because they never sent me a bill or made any attempt to contact me for over a year and a half, the amount grew to {$320.00}. 

This is an error on their part and I or any other consumer should be forced to pay for their people making a mistake. 

Why is it so hard for a Bank to admit that sometimes they do make a mistake and fix the problem? 

I am forwarding a copy all of the letters and all of my proof that I have paid my debts and that I do not owe them anything.
Product: Mortgage

I am late on my payment this month and it is not even 30 days from my due date and you all are threatening to foreclose on my property already. I have not read anything in my loan agreement that says that. 
Last month I was late and you all gave me such a hard time. One guy tried to charge me {$200.00} more dollars on my late fees in addition to the {$140.00} dollars. I did not see that in my loan contract agreement. 
( I am writing this complaint because you all already foreclosed on two of my properties under the same exact conditions )
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is this account status saying that it is opened? This account is closed and have been since XX/XX/XXXX, but your company ( Equifax ) is reporting that its still opened which is very odd. Also last payment for this account was made on XX/XX/XXXX, so how it is possible your company ( Equifax ) have payments showing for year XXXX reporting on my current credit report? Why did your company ( Equifax ) delete last payment date & last date active? Everything about this item is puzzling and needs to be removed Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a XXXX financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX , XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with Transunion USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint regarding a dispute with Chime over XXXX fraudulent transactions on my account. The transactions in question are as follows : On XX/XX/year>, a transaction of {$50.00} was made at XXXX XXXX XXXX ( Transaction # XXXX ). 
On XX/XX/year>, a transaction of {$1700.00} was made at XXXX XXXX XXXX ( Transaction # XXXX ). 
I immediately contacted Chime upon noticing these unauthorized transactions and explained to them that I do not have an account with XXXX XXXX XXXX. Additionally, I reached out to XXXX XXXX XXXX, and they confirmed that I do not have an account with them. 

I requested that Chime provide evidence from the merchant showing that these transactions were processed with my authorization. Specifically, the merchant should be able to provide details of my account if, in fact, I have XXXX with them. Despite my request, Chime has refused to obtain or provide such evidence. 

This situation has caused me significant XXXX  and financial inconvenience. I am seeking your assistance in resolving this matter and ensuring that Chime complies with their obligations to investigate and resolve disputes involving unauthorized transactions. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX
Product: Credit card or prepaid card

On XX/XX/2018 my Chase Credit Card ending in XXXX had 8 different fraudulent charges. I called Chase on XX/XX/2018 when I discovered the charges on my statement. Chase removed the charges at that time and did their own fraud investigation. I didn't hear anything back from Chase until XX/XX/XXXX when I received a letter saying that they thought 2 of the fraudulent charges to XXXX in the amounts of {$290.00} each were a benefit to me. The confusing thing to me was that I didn't see these charges coming back to my card. It wasn't until I received my XXXX statement that I saw that Chase had added the 2 {$290.00} charges from XX/XX/XXXX back onto my XXXX statement. I called XXXX again on XX/XX/XXXX to ask them what was going on and they told me the same thing that they told me when I first called them on XX/XX/XXXX and that was that they knew the {$290.00} charges were fraud when it first happened and they had already issued a charge back to my credit card. So at this point Chase has received a refund but I have not received a refund from Chase. I called Chase Fraud department on XX/XX/XXXX and told them what had happened. Chase said that they would look into it and get back to me within 5 days. After 10 days of not hearing back from them I called them again on XX/XX/XXXX. The Chase rep ( XXXX ) told me that the fraud department hadn't done anything and they needed more time. It has now been another 12 days and I have not heard back from them. It is my belief that they are not planning on doing anything further to help me. I have proof that these {$290.00} charges to XXXX are fraudulent and I told 2 Chase reps that all they had to do was call XXXX like I did and they would be told that it was Fraud and that Chase had already been issued a charge back. I would like the charge back to actually come back to me instead of just going to Chase Company profits at my expense. I would also like to be reimbursed for the 8 hours of time I have spent on the phone and on hold with Chase dealing with this. I have attached an email from XXXX stating that these charges are fraud along with copies of the invoices for the fraudulent purchases.
Product: Credit reporting or other personal consumer reports

Hi! I need help, EQUIFAX shows the error code NH ( meaning No History ), but I have credit scores and histories from the other 2 credit bureaus. I need to know where is the error coming from. 

I sent them a certified mail letter several times already, about three time together with a copy of my valid ID and SS, but they did not respond. 

I also tried to pull my free credit report from XXXX website and it always shows NH. I do have history, its been more than 2 years now. 

Equifax just dont respond correctly. 
I've BEEN CALLING them too many many times already, always they will always say that the system is not working. This is serious, it is affecting me personally, mentally, and emotionally. I need help because I cant get a car loan and a home loan approval. This is such a life ruining situation. Thank you for your help. 

EQUIFAX PLEASE DO YOUR JOB.
Product: Debt collection

Starting on XX/XX/2019 I have received several calls ( up to 5 a day from various numbers ) that all trace back to XXXX. They will not tell me where they are from, only that they are trying to collect a debt. They have repeatedly asked for my social security number and have gotten aggressive, loud, and have used profanity when I will not answer their questions without further information. They have also contacted multiple family members after being asked not to. They have not sent me any written documentation and refuse to tell me what they debt is or who they are calling on behalf of. They are threatening me and family members. I do not know what this is about and have told them I will be reporting them.
Product: Checking or savings account

On XX/XX/2019, my checking account with Bank of America had four fraudulent, unauthorized charges. I used the appropriate channels and reported the fraud immediately. Four days after the claim was filed with Bank of America, on XX/XX/2019, Bank of America had closed the claim ( Claim ID : XXXX ) and stated the charges were authorized and posted correctly. 

I discovered that a new debit card was sent to an address in XXXX XXXX, CA that does not belong to me two days prior to the withdraws. I do not know how the criminal was able to convince Bank of America to send a new debit card to an address I've never used before, but this is how the fraudulent activity was initially enabled. 

According to the checking account statement, the withdrawals in question were made in the city of XXXX, CA and the Bank of America representative claimed there was video evidence that confirmed my identity making the fraudulent withdraws. They further added that they compared the footage in XXXX with local footage taken from my frequented Bank of America location to arrive to this conclusion. 

I was not present in XXXX, CA the day of these withdraws and can confirm an alibi with my place of employment if Bank of America divulges the time these withdraws were made. 

Bank of America has declined to show me the video footage, and have referred me to the XXXX XXXX Police Department so that the footage can be released to them and investigated. A police report ( Incident No. :  XXXX ) with the department was created on XX/XX/19. 

This police report along with a letter requesting re-opening the claim has been faxed to Bank of America and have since agreed to review the case. However, they have given a window of 4-12 months to complete the investigation, which is unacceptable considering the circumstances and lack of evidence placing me at fault. 

Bank of America has not sent me any official correspondence outside of a small notification with their online banking website. I do not have any documents informing me that they have re-opened the case, nor do I have any means of inquiring further into these fraudulent charges.
Product: Credit reporting or other personal consumer reports

I recently visited my doctor for a XXXX XXXX that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Experian report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, Also known as XXXX XXXX XXXX ( NOT ME ) ; ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ( NOT MY ADDRESS ), AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NOT MY ADDRESS ).