23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequoia Financial Svs. continues to report inaccurate information to XXXX  and XXXX. They CLAIM that all information is properly reported to credit bureaus in compliance with the FCRA and FDCPA and that accounts were validated. I continue to challenge the accuracy, compliance and reportability of alleged medical debts. The truth of the matter is that information sent by Sequioa DO NOT validate 2 collection medical accounts that they continue to report to credit bureaus. Billing statements they sent that supposedly document 2 collection accounts on alleged XXXX medical debts ( dated XX/XX/XXXX and XX/XX/XXXX ) refer to XXXX medical services paid for by my medical insurance. ONE documentation that Sequioa sent dated XX/XX/XXXX bearing an e-digital signature that they claim is my signature do not validate alleged medicate debt dated XX/XX/XXXX because such digital signature is not mine. I do not consent to e-digital or automated verification since in this information age, it is easy to create a false billing statement and documentation. The actual documentation, a copy of which goes to the patient, DID NOT BEAR my signature. I have requested copies of evidence bearing my signature. They have failed to furnish. Failed to provide any documentation for alleged medical debt of XX/XX/XXXX bearing my signature and failed to provide proof that they own the debt. In fact, medical account indicates a zero balance. Thus, such information should not be reported to credit bureaus, and therefore Sequioa is in violation of the FCRA, FDCPA, and the Rosenthal FDCPA Civil Code 1788.13.f. Also, according to the RFDCPA Civil Code 1788.13.e,  Sequioa is in violation of this law by adding interest charges to the alleged debts which is an unfair and deceptive practice. In addition, Sequioa sent me a bill to pay alleged debts although statute of limitations for ANY CONSUMER LIABILITY has long passed. Because of the age of alleged debts ( 6 years, 4 months ), by law, in 8 months, alleged debts can no longer be reported to credit bureaus, and credit bureaus can not report in credit file. 

I wrote Sequioa Financial Svcs a second time requesting documentation bearing my actual signature and to RECORD the dispute with credit bureaus while they have the 30-day grace period to respond per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I formally request that this inaccurate information be  immediately deleted from my account credit file and all credit bureaus. I have kept record of their actions, including their Method of Verification. They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of the FCRA and RFDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my credit score has dropped  XXXX  points in less tha n 24 ho urs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,  2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.
Product: Mortgage

We have been unable to sell our home for what is owed and contacted Navy Federal Credit Union about doing a short sale. They sent us the paperwork and we put the home on the market, during this process NFCU would not postpone the sheriff sale, however, we live in Michigan and have a 6 month redemption period after the short sale. We finally rec 'd an offer on the home and now NFCU is telling us they wo n't negotiate a short sale because it is after the sheriff sale ... this make no sense to us because they did n't inform us of this at anytime during the process. We ca n't pay off the loan and really do n't want the home to remain vacant for over 6 months. Does n't the government want banks and credit unions to work with their mortgage holders? Please help.
Product: Debt collection

They are repeatedly robocalling me sometimes more than XXXX time in an XXXX at my work. For instance yesterday, They robo called saying they were a collection agency at XXXX ; XXXX then at XXXX. I have asked for a Validation of Debt which they did not provide and also a Cease of Communication notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3. Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported on my credit file, multiple credit card accounts loans due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

when my identification, and personal papers ( medical ) were stolen from my car ( i accidentally left my bag visible ) while at a hotel, a couple months later i started seeing accounts show up like collections, ( i was contacted but when they couldn't verify my information, i heard nothing else form them but they still ended up on my credit report ), as well as accounts for motor bikes and loans i never applied for.
Product: Mortgage

I have a 15 Year mortgage loan with XXXX. They turned over the loan to Loancare - A servicelink company. My LTV is below 78 % of original value, and I have requested that my PMI be removed twice, but they do not respond. I call them and have waited hours on the phone but no one answers the calls. I have now paid XXXX additional PMI 's to keep my loan in good faith.
Product: Debt collection

About 6 months ago I was contacted by Chase that I owed them around XXXX from a credit card I have NEVER heard of. They said that I opened the account and there were payments from my bank. I informed them that I did have my bank account information stolen as well as XXXX and it could have been from this. They never responded to me, then a legal firm sent me a letter saying they could help me because CHASE sued me. I NEVER got any information from them after writing mail-in letters to their corporation, I was never informed I would be sued. I thought that they would eventually resolve their issues at corporate or send me another letter. Instead, they decided to sue me with no information or communication. I do not want this on my credit score and I do not want to be sued. I really need help because I have tried to be in contact with the company and sent mail in letters TO them. I had no idea I'm being sued, my address is not the one on the credit card, I had a period of time my information was misused. This company is taking advantage of people with their lawyers since they have the money to use them against any regular working American. They didn't even communicate me being sued. They didn't even respond to my communications. I responded to them several times and instead of responding they decide to sue me and ruin my credit score at a time I am trying to purchase a home all behind my back. This company is extremely shady and just uses their power to bully citizens. A multi-billion dollar corporation couldn't even respond to my letters and communications and decides to randomly sue me without me knowing. It is well in their capability to communicate with me to resolve this issue. This is wrong and fraudulent activity by a XXXX institute.
Product: Debt collection

Received a call on my answering machine announcing that I needed to call back a number about a debt issue. XXXX day later I received a collection notice for {$78.00} for date of service XXXX/XXXX/2015 from Arcadia Recovery Bureau for a doctor charge from XXXX of 2015. 
Checked my EOB/Medical file to find that I never received a bill from the provider. 
I contacted the provider University XXXX XXXX XXXX XXXX. They told me that they had sent a bill on XXXX/XXXX/2015 that was returned from the PO stating " temporary out of town and can not deliver ''. At that point they told me their policy was to flag the account for that invoice and future invoices for collection. 
1. I do not understand how that policy can be legal. The creditor must do due diligence to make an attempt to collect the debt before turning it over to a collection agency. Automatically flagging an account does not constitute due diligence. 
2. XXXX further told me that they have so many patients that is the only way they can handle the billing process. Just because they do not have the proper man power does not mean they have the right to put a persons credit record in jeopardy. They have my home number, my cell phone number, my email address and a messaging system from XXXX XXXX XXXX in place to contact me. 
3. Flagging an account because of a temporary mail delivery issue is not the patient 's fault. On the hospital side I still receive bills and process them for payment. They have access to all those records and should be able to determine if the mailing address is correct. 
4. The message left by the collection agency disclosed debt collection information and my name on an answering machine that is available to other individuals. That can not be legal. 
5. I believe XXXX 's billing system is flawed, prejudicial and illegal and I need help to shut it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

In accordance with the Fair Credit Reporting act. The List of accounts AND INQUIRIES below has violated my 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I recently obtained copies of my credit reports. 
Upon reviewing them, I discovered multiple violations committed by your agency. I want to bring to your attention that I am entitled to monetary compensation under FCRA 15 U.S.C.

1681i ( 6 ) - Notice of Results of Reinvestigation. I am writing this letter to inform you of the specific violations that have affected my rights. 

I demand that you promptly comply with these requirements.
Product: Checking or savings account

I am currently unemployed, and I am living off my XXXX unemployment benefits since I was laid off from my job several months ago. So, having my Bank of America debit card is extremely important so I can pay my rent, bills and buy food. On XX/XX/XXXX, I contacted Bank of America to notify them that my XXXX Bank of America card was lost, and I requested a new card to be sent to my primary address. The representative that I talked to told me that they would send me a new card and that I would have my card within 2-3 days. After waiting several days I contacted Bank of America again they told me that my card was just delayed and that I needed to wait so more until the card was received. Also, I contacted Bank of America on XX/XX/XXXX to notify them that I had still not received my card. The representative that I talked to said no problem and that she would send me a new card that I would receive by XX/XX/XXXX XX/XX/XXXX. I have waited over a month for my Bank of America XXXX card and still have not received it. I believe Bank of America is lying to me and that they have not really sent a replacement card to me. I need assistance addressing this issue since Bank of America has not resolved my issues is not meeting the obligations as a facilitator of government programs. Also, since my card is in transit, I am not able to access any of the funds within my Bank of America XXXX checking account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Binance.US locked my trading account due to a chargeback and asked me to send a picture of myself, video, pdf bank statements and send money in to cover the amount of the chargeback ( {$5000.00} ) all was done same day. Its been over a month and my account is still locked and $ XXXX plus is being held my support ticket number is # XXXX please help get my funds unlocked. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my mortgage agent that Bank of America put me that I paid late when I closed the account for {$20.00} or {$25.00} dollars, for that significant amount they put my credit in red and when I'm running the report anyone of bank can see it. I paid that money and I will like this to be resolve, also I have a XXXX account that appears in my credit score I will like this to be resolve as well too.
Product: Credit reporting or other personal consumer reports

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX Bank XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to identity theft. Following a recent data breach, I discovered unauthorized accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these accounts. 
The accounts that are fraudulent and should be removed are as follows : XXXX. Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} In addition, I request the removal of the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Alert New Inquiry Reported By XXXX Reported On XXXX XXXX, 2024 We called the XXXX XXXX XXXX  who directed us to Concora at XXXX. We were transferred to Concora and we called them directly. We were not able to talk to anyone or leave a message. 
We explained to the XXXX XXXX XXXX  that we live in XXXX and did not apply for any credit in XXXX
Product: Vehicle loan or lease

I paid extra payment on the end of my lease {$490.00} as a credit and when I called for refund adjustment the financing department refused to refund the extra amount I paid and they are requiring more payments on top of what was agreed my lease
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a XXXX XXXXl Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I canceled my Costco Anywhere Visa. There was about {$70.00} accrued XXXX on the card at the time I canceled it. Now Citibank tell me that the money is forfeit because I canceled their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 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 that the information is inaccurate.
Product: Mortgage

When COVID went to pandemic status I applied for deferred payments. I spoke to phone agent and one of my first questions was does this add to the end of my loan. They responded yes. Now Im expected to pay over {$11000.00} dollars or foreclosure. Im an XXXX working through this pandemic and now in fear of losing my house. What do I do I dont have that kind of money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report I do not recognize. I have mailed Transunion the proper documentation including my ID, Socia Security Card, Police report on the accounts below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX I talked with transunion and they have received the documents. According to the FCRA 605b these items must be removed from my credit report within 4 days of receiving my documentation. Transunion is upsetting me because misleading and inaccurate information is still reporting. I am demanding they remove the accounts from my profile within 4 days and the remain in compliance to the FCRA 605b. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX