23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a living, breathing woman representing myself. I recently pulled my credit report and noticed a fraudulent collection item added by a company I've never contracted with nor have ever done business with SEQUIUM ASSET SOLUTIONS LLC. I have no idea what this alleged debt is and was NEVER contacted by SEQUIUM ASSET SOLUTIONS LLC in writing prior to this false information appearing on my credit file which is a violation of the Federal Debt Collection Practices Act. Furthermore I never authorized SEQUIUM ASSET SOLUTIONS LLC access to my credit card which is in fact my social security card. In order for them to put this false claim on my credit report they had to have access to my personal information including my name, date of birth and social security number which is a grave breach of a consumers right to privacy. This corporation has stolen my personal information & attached an alleged debt to my consumer report in an attempt to collect money not owed or due to them. It says this " account '' was opened XX/XX/2022 but I have NEVER been contacted by this debt collector. They even reported on my consumer report that this " account '' was transferred to an attorney which by federal law is also a debt collector that I have never entered into an obligation with. I have filed an identity theft report with the Federal Trade Commission, the Attorney General of Georgia, and will be personally pressing charges on XXXX XXXX XXXX. This false collection has gravely impacted my ability to extend credit, my brand & my mental and physical health. This is a grave breach of personal information by a corporation I have never done business with. Give this the attention that it gravely needs because I am invoking my consumer protected rights & will not stop until this company doesn't harm another consumer.
Product: Credit reporting or other personal consumer reports

I found accounts and inquiries on my credit report that are not mine.
Product: Debt collection

I got a high interest loan for XXXX from XXXX/Amplify after I already paid them XXXX I got sick on the on a virus called them to explain that I'm a XXXX XXXX XXXX low income retired unable to continue the XXXX biweekly payments they were taking from my bank account, but the Representative were agressive indicating me that I'm in collection by the above Company, I need help on this matter because I really can't afford those payments, I need to know if is legal to overcharge a person in this way. XXXX is located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX, phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate your attentions and all help you can help me on this regard. Thanks for your time. XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Fl XXXX my SS # XXXX XXXX XXXX
Product: Mortgage

I received my mortgage statement for XX/XX/XXXX with a payment amount of {$9800.00} and when I add up what the document says I owe it doesn't add up. 
1. principal- XXXX 2. interest- XXXX 3. escrow- XXXX 4. other- XXXX regular monthly payment- XXXX total feels & charges since last statement- XXXX past unpaid amount- XXXX This adds up to {$8000.00} According to the statement I owe {$9800.00} I called to question the discrepancy and was informed by employee ID XXXX XXXX XXXX that she couldn't give me any information. 
Today I paid {$8700.00}. Where is the difference coming from? I also don't see an explanation for the fees totaling XXXX. This company doesn't answer my question but refers me to the bankruptcy attorney and they don't give an explanation. I really believe they aren't trying to assist me with keeping my home on any level. I need answer and cooperation with keeping my home through modification and forbearance.
Product: Checking or savings account

on XX/XX/22 at XXXX received email from Bank of America saying " online application is in progress '' XXXX-another email says approved XXXXanother email says welcome to online and mobile banking XXXXanother email says verify your email address XXXXanother emails says your email address was updated I contacted bank of america once they opened on XX/XX/22 fraud agent asked me to provide them some info, they were able to verify they saw an account showing opened under my name, they immediately shut act down, and will be be sending me info that I have to fill out to verify myself. 
I have reached out to XXXX so they can put alert on credit bureaus, it was automated line, did not speak to live agent, contacted social security fraud line, which an agent stated I needed to reach out to FTC
Product: Credit reporting or other personal consumer reports

Formal Dispute of LVNV Funding Account ( # XXXX ) under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the inaccurate reporting of the LVNV Funding account ( # XXXX ) on my credit report. This account was previously removed from my XXXX report, indicating it was either inaccurate, unverifiable, or unsubstantiated. However, it continues to be reported by your bureau, in potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Legal Grounds for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Under this law, I formally request an investigation into the accuracy, completeness, and verifiability of this account.

If LVNV Funding can not verify the legitimacy and accuracy of the account within 30 days, it must be deleted from my report.

FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Verification I demand a full verification of this account, including : A signed contract or agreement proving my obligation to LVNV Funding.

A detailed payment history showing how this alleged debt was calculated. 
Proof that LVNV Funding has the legal authority to report this account.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Provide Accurate Information If LVNV Funding is furnishing inaccurate or unverified information, it is required by law to correct or delete the account.

Continued reporting of inaccurate, outdated, or unverifiable information may result in legal action. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If LVNV Funding can not prove the validity of this debt, continued reporting may constitute fraudulent representation, subject to penalties. 
Requested Action : Immediately remove the LVNV Funding account ( # XXXX ) from my credit report. 
Provide a written response confirming the deletion or the results of your investigation within 30 days, as required by law.
Product: Payday loan

Please do not eliminate limits on borrowing funds for Pay Day Loans. We have at least several employees in my company that depends on this loan to pay their rent and use for emergency. Eliminating this service would cause many people hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was recently notified by my credit monitoring service that a new inquiry had showed up on my credit reports. The offending company is XXXX XXXX. First of all, I did not authorize this inquiry. Secondly, I continuously have an extended fraud alert in place at all three credit bureaus, which specifically states that any company who checks my credit must call me and speak to me personally due to a previous identity theft. I can guarantee you that XXXX XXXX can't and won't show you their phone records because they never one time called me, therefore violating several laws designed to protect me as a consumer. On XX/XX/XXXX I sent XXXX XXXX a letter stating that I did not apply for credit with them and let them know I had been a previous victim of identity theft, and to please remove the unauthorized inquiry. On XX/XX/XXXX XXXX XXXX sent me a letter stating that they will not remove this inquiry.
Product: Student loan

I started employment with the XXXX XXXX in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX I secured a letter from my employer for the PSLF. Automatically, XXXX took over my XXXX consolidated loans and sent me a bill with incorrect information regarding my PSLF payments ( they claim I only made 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS ). This is incorrect because I had made 49 qualifying payments to both DLSCNS and DLUCNS. I contacted XXXX at their call center several times to correct their mistake but they have not corrected the information. I have kept paying my student loans with them making the qualifying payments since I am in a qualifying repayment plan with them. However, XXXX sent me the XXXX bill which still shows 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS. This is still incorrect because I have made 57 qualifying payments to both DLSCNS and DLUCNS.  Please help me correct XXXX mistake in calculating my PSLF qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX XXXX XX/XX/2012 made payments of {$290.00} a month after having the car less than a year I have spent over {$8000.00} on repairs I contacted XXXX XXXX XXXX XXXX   because now I was told by a mechanic I needed a new engine estimated to be around {$4000.00} They agreed to let me have the car towed to the dealership because it was not able to drive it and give them the car back. I found out they had nver put a title in my name or applied any of my payments towards to principal of the loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Goodwill Adjustment on Account Dear XXXX, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with XXXX XXXX XXXX  ( XXXX XXXX ), account number XXXX. 
I want to express my appreciation for your services, and I have always valued my relationship with your company. I understand the importance of maintaining a positive credit history, and I take my financial obligations seriously. 
Recently, I paid off my account in full on XXXX While I understand that the record of this account may remain on my credit report, I am kindly requesting that you consider removing the negative reporting associated with this account from my credit report with Equifax XXXX 
Thank you for considering my request. I hope for your understanding and support in this matter. I look forward to your positive response. 
Sincerely, XXXX XXXX
Product: Debt collection

Medical Data Systems has placed several damaging items on my credit report without due process ... .process to include no notification in written that would have allowed me the right dispute and or request validation of these alleged debts, which is clearly a violation of the FCRA and FDCPA. 

I have no knowledge of these accounts : XXXX XXXX XXXX # XXXX {$780.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$2200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I officially informed this agency via certified mail about my identity theft victimization. However, as of XX/XX/2024, the agency persists in reporting information stemming from this identity theft incident. According to Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to alert furnishers of information, including financial institutions, when information may be linked to identity theft and when an identity theft report has been filed. I provided them with FTC report numbers XXXX, along with the requested block. 

Upon receiving such notification, Section 623 ( a ) ( 6 ) requires furnishers to promptly block the reporting of any information identified by the consumer as stemming from identity theft, within four business days of receiving : Sufficient proof of the consumer 's identity ; A copy of an identity theft report ; Identification of the specific information by the consumer ; and A statement confirming that the information is unrelated to any transaction by the consumer.

I fulfilled all these requirements, and documentation supporting this will be included with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the timely blocking of reported information identified by the consumer as resulting from identity theft, within four business days of receipt by the agency. This failure constitutes a violation of the law, rendering the agency civilly liable for any actual damages incurred by me due to this willful noncompliance under 15 U.S. Code 1681n.
Product: Debt collection

Several months ago I was made aware of a XXXX XXXX credit card opened in my name. I finally cleared it up just to find out that it was a XXXX XXXX account in my name from the same company. I have contacted XXXX XXXX several times and they are refusing to accept any information about this fraudulent account.
Product: Mortgage

I opened an application to refi my home on XX/XX/20. All financial and personal docs were delivered to the Amerisave on the very same day via their portal. I also paid the obligatory {$500.00} Application fee. After that, I never heard back from the Loan Originator and spent the next 63 days with zero to minimal information on my loan status. I was constantly sending emails but never getting any answers. 

At day 63 from my original application, I reached out by text to my Loan Originator XXXX and he responded that since I applied online, his commission was really low and I was therefore not at the top of his list of priorities. ( Text images are attached ) I called customer service department the next day during working hours to inform them on what had occurred and to request a new Loan Originator or a refund of my {$500.00}. 

The next day, I received a call from an AmeriSave VP named XXXX who then assigned a new Loan Originator named XXXX. I have never heard from XXXX although I have called several times and written several emails to try to complete my refi. 

I called customer service again and was told they would pass the message along to XXXX the supervisor and XXXX the Loan Originator. There is no way to reach anyone of authority at this company that can help. Today is the next day and I have not heard from anyone at AmeriSave. 

* AmeriSave Mortgage took my hard-earned {$500.00} * I am fully qualified and documented to close my refi * I can not reach anyone at AMERISAVE Mortgage to assist in obtaining even a simple update on the status of my account I * I am paying a hefty fee to do this refi and expect better service * There is no reason this file has been moving so slowly and without any clear communication from Amerisave. 
* I do not need any Loan Originator to do me a favor, I am playing well for the service and expect professional behavior * I would like to speak with a Loan Originator to properly setup my Disclosure that is still incomplete If this is not possible, then I would like my fee refunded immediately The lack of professionalism and consideration of this Mortgage lender is beyond reprehensible and someone should take a closer look at this operation.
Product: Credit card

In XXXX of XXXX I sold my company XXXX XXXX XXXX XXXX a Stock Sale to another company who used XXXX financing XXXX help finance the purchase of our company. At the time of sale, my company had a Chase Corporate Credit Card which was secured by my company and me personally. In XXXX of XXXX the new owner and I went to the Chase Bank Branch located at XXXX XXXX XXXX XXXX in XXXX to discuss with the Business Banker how to transfer the corporate credit card to the new owner/business and remove my own personal liability from the account. The Business Banker told us to complete a Change of Authorizing Officer Request Form which would add the new owner as the authorizing officer and would remove me from the account and all personal liability. The new owner and I completed this form in person along with the help of the Business Banker and left the form with the Business Banker to process the transfer. The new owner and I together completed a similar process for all financial accounts at various institutions right after the sale of the business was finalized. 

Fast forward to XX/XX/XXXX ( 21 months later ), I received an email form Chase Bank regarding the old corporate credit card stating that Chase was making some changes to their credit card policies. I wondered why I received this email as I was no longer associated with the Chase Business Credit Card since XXXX of XXXX ( 21 months earlier ). 
After several calls to Chase 's customer support, I was told that I am still the Authorizing Officer on the corporate credit card account and that I am still personally liable for the charges on the account. The new owner of the company agrees that all the charges are his companys charges and that he and his company are liable for all charges following the date of the sale of the business. However, Chase continues to state that the new owner is not the Authorizing Officer on record and that I am the one responsible for his and his businesss charges. 

Instead of providing us the original Change of Authorizing Officer form that we filled out in XXXX of XXXX, Chase had the new owner and I fill out a new Change of Authorizing Officer form which we submitted on XX/XX/XXXX. On XX/XX/XXXX, I was told by Chase that the Change of Authorizing Officer request was denied and that I am still liable for all the charges on the credit card, even though I sold the company over two years ago and the new owner of the company says all the charges on the credit card are company charges that I should not be liable for.
Product: Checking or savings account

this Tuesday CHIME bank froze my account. I didn't know it, and deposited cash into my account, which they happily took, but will not let me access my funds or my account. I sent him documents they requested, and here it is Friday and nothing still. customer service is HORRIBLE. no reply to emails, no explanations, no nothing. it's like theft. I've done nothing illegal with my account, so they have no right stealing my funds. I want access to my hard earned funds now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXXwas the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX  Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC  for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.
Product: Credit reporting or other personal consumer reports

I WAS THE VI

CTIM OF IDENTITY THEFT. I HAVE FILED A POLICE REPORT AND SENT EACH CREDITOR ON MY CREDIT REPORT A REQUEST FOR PROOF OF OWNERSHIP. I DIDN'T OPEN THESE ACCOUNTS THIS IS PREDATORY. BELOW ARE THE ACCOUNTS THAT ARE FRAUD KICKOFF LENDING LLC ACCT # XXXX AMOUNT {$XXXX} XXXX  XXXX XXXX XXXX ACCT : XXXX AMOUNT {$XXXX} XXXX  XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I HAVE ATTACHED A COPY OF MY POLICE REPORT
Product: Credit card or prepaid card

On XX/XX/XXXX per the FTCs recommendation I reported multiple fraudulent transactions occurring on 2 credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.
Product: Debt collection

I was serviced at XXXX XXXX XXXX XXXX on XX/XX/2022. I got my bill ( {$150.00} ) and paid via my XXXX XXXX XXXX ( {$150.00} ) on XX/XX/2022. My insurance created a check on my behalf and sent it to XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX cashed the check on XX/XX/2022. I began to get letters in the mail that I owed them and after calling many times and complaining, they decided to send It to collections. The collections company the hospital sent it to : Medicredit. I have called medicredit 3 times and I have sent proof of payment and they said my dispute was denied and didn't give me a reason why. Then I called insurance to triple confirm the check and the dates cashed and it was correct and they told me there was nothing they can do and that XXXX was trying to pull a fast one. Then I called XXXX XXXX XXXX XXXX XXXX again and they said there was nothing I can do because they sent it to collection ... they said all I could do was nothing and to write another dispute and send it to have it as proof.
Product: Vehicle loan or lease

Leased a car at XXXX XXXX XXXX in XXXX of XXXX  for $ XXXX, 3 months later car completely shut down with a gas leak. Took for inspection and was advised there is over $ XXXX of damage. 

Reached out to XXXX XXXX XXXX multiple times with this information and no call back, left a XXXX review, the review was deleted. 

Called Credit Acceptance explained this information to them was advised there is nothing we can do, you still have to pay Called the warranty company XXXX XXXX was advised they can take a look at it, when asking what location they accept. Was advised they dont have any location list, and I was to find a location myself I asked how am I supposed to that. They advised I dont know Called credit acceptance back and advised them of warranty not being honored. Again was told that still has nothing to do with the amount you still owe and you have to pay While not being able to drive the car at all due to dangerous conditions, I was still paying my monthly bill. 
In XXXX my husband lost his job and was not able to pay full payments. Called Credit Acceptance and was advised I could pay {$100.00} today {$100.00} in 2 weeks leaving my balance at {$800.00} on XX/XX/XXXX but I could pay {$460.00} till its completely paid off. 
I paid {$500.00} towards my {$800.00} bill in XXXX but my online account did not reflect that payment stating I was late on my {$400.00} XXXX payment. 
I called Credit Acceptance and explain above and was told how I paid is wrong and they have no way of correcting the online account and I would still owe XXXX payment Not what our agreement was at all and now my bill for XX/XX/XXXX is {$1000.00}. 
The numbers are not matching at all. 
No emails of our conversation has been mailed, no care for the dangerous cask leak, no care for anything.
Product: Credit card or prepaid card

1. I did not not have the option to set up automatic bill pay that defaults to the minimum amount due. Had to manually set up monthly payments at a certain dollar amount. Increases the risk that I'll not meet minimum payment. 

2. After three months of a consistent {$25.00} minimum payment, my minimum due was increased to {$62.00}. Again, this seems like an attempt to trick me into paying less than the minimum payment, so they can both charge me a fee for failing to pay AND so they can remove the promotional APR I qualify for.