23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Sequium Asset Solutions for committing identity theft. I have never given Sequium Asset Solutions any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from before they Sequium Asset Solutions committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Sequium Asset Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sequium Asset Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sequium Asset Solutions continues its collection efforts, I will file for litigation for actual damages caused and Sequium Asset Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Student loan

With Navient, I have tried to get a lower payment for several years. I told them what I can afford to pay but I am still struggling to pay. I have many misfortunes in the last year that made my income decline drastically. I have asked for help but They are always blunt and not showing any concern. I think I should be able to set the amount to pay based on my budget. I am overwhelmed with debt and considering going back to college to increase my income.
Product: Mortgage

XX/XX/2021, I've contacted Bank of West at XXXX regarding " Lien Release '' charge SB2 for {$75.00}, they gave me order number " XXXX '', then XX/XX/2021, I've contacted them again, talked to their supervisor Mr. XXXX XXXX, and he asked me to send the documents with fax to XXXX, I did that on XX/XX/2021 and follow up with them onXX/XX/2021, but unable to talked to Mr. XXXX XXXX, then I called again onXX/XX/2021, this time I've talked to XXXX, she said their company has denied my request since I have to deal with the XXXX County and ask them to get the refund. As I have explained to them several times : The Bank of West has failed to mention to XXXX County that this is an " Owner Occupied Property '' and should be exempted from SB2 charge. But they just refused to admitted their mistake and refund the {$75.00}.
Product: Debt collection

i noticed some items on my credit report that shouldn't be on it at all these items are a violation according to the FAIR CREDIT REPORTING ACT ( FCRA ) and THE FAIR DEBTCOLLECTION PRACTICES ACT ( FDCPA ) XXXX XXXX XXXX XXXX XXXX, please removed these as soon as possible they are stopping me from being able to buy a home for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company the status of my payments. I made a lump sum payment bring my account status to " current. '' They incorrectly reported my account to Equifax as being " past due. ''
Product: Student loan

XX/XX/2021 {$10000.00} I paid the company in ONE payment. I paid off the total balance of my student loans to MyFedLoan Servicing Company. This payment was made during COVID. They refuse to refund me my payment and state that my loans have been transferred to another service but will not tell me who that servicer is. I desperately need these funds back from MyFedLoan Servicing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that does not belong to me. I have reached out to each credit bureau several times via certified mail and have not received the proper responses timely and the accounts are still effecting my credit in a negative manner.
Product: Checking or savings account

In XXXX of 2022 Bank of America closed my business banking account and there was a deduction of {$15000.00} with a note saying " Account Closing Transaction ''. I scheduled an appointment with Bank of America on XX/XX/XXXX to figure out why there was a deduction from my account and where the funds were at. I met with XXXX XXXX in the XXXX, Utah location. I spent a couple hours with XXXX on the phone with different departments and we spoke with someone in the recovery department XXXX and they said that the account was closed and the account closing transaction was Bank of America sending me the balance in the account via check. I told them I never received the check and they said they were going to cancel that check and send a new one out that day and that I would receive it in 10 business days. I waited the 10 business days and still never received a new check. I called the XXXX provided above to figure out what was going on XX/XX/XXXX and spent over XXXX hours on the phone, I was transferred multiple times and they told me a check was never sent out and my account was under review. I asked if I could speak to a manager and they sent me to XXXX when I asked him if I could have his employee number, last name, email, direct line, etc.. he said no, that they don't give that information out. He said he would put a note on my account and I would need to call the XXXX number back in XXXX business days to get an update. I asked if someone would be contacting me and he said no, I would need to call in. I emailed XXXX on XX/XX/XXXX telling him what was going on and received an email back on XX/XX/XXXX, I responded back the same day and haven't heard anything since ( see attached ). I'm sick of getting the run around. They are holding my $ XXXX without any reasoning and I want my money back. They are also saying I now owe them {$1000.00} because my account has been overdrawn for months. This message was sent to me on XX/XX/2022 and it was the first notification I received for my account being overdrawn. There is a huge miscommunication. I told them I would be happy to pay the $ XXXX but I want my $ XXXX back first.
Product: Credit reporting or other personal consumer reports

The CFPB has filed a lawsuit against this company.I filed a dispute with Experian. They alleged the company of excepting reliable information. Failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove or correct any information Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a ( car, house, etc ) .Experian violated my rights as a consumer as well as federal laws.
Product: Debt collection

I was renting from XXXX XXXX XXXX owned by XXXX XXXX from XXXX to XXXX. At the time they were accepting Section 8 housing which I was currently eligible to receive. I had no problems from the first year of my lease. The second year when the problems came. Usually while on Housing they come and do an annual housing inspection to make sure the townhome is up to code to qualify for housing benefits. XXXX XXXX did n't pass inspection. So the state notified them when the next inspection would be and the time frame they had to fix the issue. Once again they ignored the request and failed inspection the second time. They received a notice that they did n't qualify to be on the housing program anymore unless I paid XXXX to have a 3rd inspection. I paid the XXXX to have it done because I did n't want to move out. When they did n't pass inspection the state does n't pay their portion of the rent. It also stated that I was not responsible for the states portion of the rent payment. XXXX XXXX received this notice. XXXX XXXX finally fixed the issue. XXXX XXXX attempted to collect the payment that Housing was responsible for from me. After showing them documentation and giving them my case worker number to talk to them they served me with an eviction notice. The landlord even showed up at my door on a non business hour stating, '' If I were you I would move out because the judge is going to kick you out anyway ''. I advised her I would stay until we settled in court. On our court date XXXX XXXX could not prove that I owed the money they were trying to collect from me. The judge advised me since I had 60 days left that I should go ahead and move out. I was fine with that. I asked the judge since I do n't owe any money this should n't appear on my credit background. She told me that they could not add it to my credit due to them not winning the court case. She gave me 7 days to move out. I was getting ready to sign a lease to my new apartment when they advised me that XXXX XXXX had placed on my credit report I owed XXXX. I had to prove to my apartment complex that I did n't owe this morning by showing them the paperwork from the court. I as investigated the matter XXXX XXXX had sold my debt to a company called ProCollect in XXXX Texas. They have been reporting to all 3 credit companies. I have faxed and emailed documents stating I do n't owe them money. They always say they did n't receive it. As I am repairing my credit I hired a credit counselor. He was able to get them removed from my credit but ProCollect keeps reporting as we keep fighting to keep having them repeatedly removed. ProCollect has went so far as to reporting to the IRS that I collected this money. So once again I had to submit my Judgement papers to the IRS to prove that I never owed this money. So now I have to walk around with all paperwork in hand explaining a debt that should have never been on my credit background.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an unauthorized credit inquiry from XXXX ( XXXX XXXX. ) on my Equifax credit report. Then, on XX/XX/year>, I saw another unauthorized credit inquiry from Bank XXXX XXXX on my XXXX credit report. 

I did not apply for credit with either XXXX or XXXX  XXXX XXXX on these dates, nor did I authorize these inquiries. These inquiries are negatively impacting my credit score and were made without my consent. 

Upon discovering these unauthorized inquiries, I immediately disputed them with Equifax and XXXX, requesting removal unless they could provide proof of my authorization. 

On [ Date of XXXX XXXX ], Equifax responded to my dispute, stating that the inquiry from XXXX was verified and would not be removed, despite not providing any documentation proving I authorized it. 

On [ Date of XXXX XXXX ], XXXX also refused to remove the inquiry from XXXX  XXXX XXXX, failing to provide proper proof that I applied for credit. 

I believe that both Equifax and XXXX failed to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) because they did not provide any documentation proving I authorized these credit pulls. 

These unauthorized inquiries are damaging my credit profile, and I am seeking immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are inquires on my credit report that I do not recognize, transunion refuses to remove these inquires. Per the FCRA section 1681b this is a violation of my privacy. 

Here are the inquires in question XXXX  on 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 XXXX XXXX XXXX
Product: Checking or savings account

MY PERSONAL AND BUSINESS ACOUNTS WERE CLOSED XX/XX/2023 BY PNC BANK. I DON'T HAVE A COMPLAINT AGAINST ANY ONE PERSON OR LOCATION. MY COMPLAINT IS THAT MY ACCOUNTS WERE CLOSED. I HAD CALLED THE XXXX NUMBER WHEN I COULDN'T LOG IN TO MY ONLINE BANKING AND WAS TOLD THAT MY ACCOUNT HAD BEEN CLOSED, THAT THE BANK HAD REVIEWED MY ACCOUNT AND MADE THE DECISION TO END THE RELATIONSHIP AND ARE ABLE TO DO THAT AT THEIR DISCRETION.
Product: Debt collection

I have been disputing company Resurgent Capital Services/LVNV Funding LLC since XXXX of 2023 with all XXXX credit bureaus. I have sent correspondence to this company requesting they provide proof that the debt is mine and they havent. I have no knowledge of owning or accepting a contract with the original creditor they say is fingerhut fetti. They claim I owe {$1200.00}. I have sent correspondence to them 3 times requesting specific information to verify I own the debt and they have failed to do so. Each time they respond with a copy of billing statement and an account summary which is inaccurate because I have NEVER opened any accounts in the state of Texas. 

They are violating my rights according to 15 U.S. Code 1681. This is wrong and inaccurate reporting and they fail to provide proof Im owner of said debt. I am saddened they keep sending me automated responses.

They have not provided proof of payments, address history, social security number, or transactions made with the alleged original creditor. I have also never received a 1099-C cancellation of debt form from alleged original creditor. 

THEY ARE REPORTING A TRADELINE ON MY CREDIT REPORT AND I HAVE NEVER DONE BUSINESS WITH LVNV FUNDING, RESURGENT OR FINGERHUT FETTI. 

DELETE THIS COLLECTION OFF MY CREDIT REPORT AS IT IS INACCURATE REPORTING AND I AM NOT THE OWNER.
Product: Debt collection

I noticed there was a debt I didn't recognize, from a creditor I didn't recognize on my credit report. I recently sent a certified, and notarized, verification of debt request to Credit Management Company. They responded to what amounted to be a typed out statement from another creditor, with an original creditor I know nothing about dating back over six years ago. This is fraud in my estimate, because anyone can type a letter, and they have nothing certifying the debt is mine, no signature, no contract entering into the debt. This is fraud! 

Outside of that, I'm a Texas resident, and Texas has a XXXX year statute of limitations on this type of debt. This is outside of the fact, that it isn't mine. I am submitting this complaint that will be a part of our lawsuit against this company, and it's insurance company for willful fraud. They continue to report it on my credit report, even though they have nothing certifying that it belongs to me. 

There's also a statement in the letter that states " Although your itemized balance might be {$0.00} your total balance has been forwarded to our office and is listed below ''. If the itemized balance is XXXX, the balance is XXXX. You don't get to just make up numbers. These guys are crooks.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed my 1st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws EQUIFAX has violated. 
On XX/XX/year>, EQUIFAX responded with a VERIFIED AND ACCURATE response to my 1 st complaint. Confirmation Number : XXXX On XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking EQUIFAX to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 1 ST complaint with the CFPB. 
On XX/XX/year>, EQUIFAX responded again with a VERIFIED AND ACCURATE response to my 2nd CFPB complaint. Confirmation Number : XXXX EQUIFAX why have you not followed procedure in providing me with the original contract proving these accounts belong to me??? 

Furthermore, EQUIFAX you are in violation of Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), requires that [ w ] henever a [ C ] onsumer [ R ] eporting [ A ] gency prepares a [ C ] onsumer [ R ] eport it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these accounts are inaccurate. 

Provide me with your METHOD OF VERIFICATION or delete these accounts ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$5800.00} Equifax : XXXX XXXX Balance : {$5800.00} XXXX : XXXX XXXX Balance : {$5800.00}
Product: Mortgage

Due to money stolen from me by my ex-husband and son I became late with mortgage payments. I applied for a loan modification but was denied by Carrington Mortgage Company. I met with a Maryland state mediator and an attorney for Carrington Mortgage Company since I was denied a modification and my place of business was closing. I entered the loan repayment plan because if I did not I would lose my house because the mortgage company said a temporary reduction in salary or temporary loss of employment would automatically disqualify me from remaining in the home I purchased 25 years ago. The loan repayment plan requires that I make a payment of 5100.00 a  month for six months. My initial monthly payment amount was 2100.00. Prior to entering the repayment plan Carrington Mortgage was holding ( XXXX of my money in a separate account because they said it was not the total amount of money I owed for a payment before entering into the loan repayment agreement ) During the mediation meeting in XXXX between ( myself, state mediator, and attorney for Carrington Mortgage ), I was told that I could use the {$1800.00} toward one of the {$5100.00} payments, I would just have to call prior to the payment and make a request to use my money they are holding toward a future payment. I called in XXXX and requested to use that {$1800.00} toward my XXXX payment. When I called in XXXX to make a payment minus the {$1800.00} that they were holding I was informed that I could not use this money until I completed the repayment plan. I was also informed that no supervisor would speak to me and that they did not have to provide me with any documentation reflecting that they have the right to hold my money and not use it toward a mortgage payment. Carrington mortgage is holding my money and refuses to apply it toward a mortgage payment. I have two more payments to make. Due to a decrease in work hours and no overtime pay I do not know why the mortgage company refuses to allow me to use the $ XXXX towards my XXXX payment as agreed to verbally during the mediation meeting. Why should the company hold on to money and not apply it toward my monthly payment since I am going through a hardship. So far I have made 4 out of the six payments I agreed to pay.
Product: Credit reporting or other personal consumer reports

I have inaccurate accounts reporting on my credit report TransUnion mush do a investigation on these XXXX accounts XXXX XXXX XXXX XXXX
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 my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accountsXXXX XXXX XXXX # XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case