23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

File # XXXX I received a notification of a collections account from a 'Sequium Asset Solutions ', reported on XX/XX/year> in the amount of {$180.00}. I was so shocked to see a collection open up because I was not aware of any past due bills. I looked deeper to see that it was submitted by XXXX. Running through my mind, the only connection I could have had to XXXX would be my XXXX account. 
I have been having extreme communication trouble with XXXX ever since I changed my address and this just seems to be the icing on the cake. 
When I called, the representative at XXXX XXXX was very kind, yet could not resolve the issue, as he too saw no 'past due ' bills and no notices sent out for non-payment on their end.

From there, he initiated a case for XXXX to examine the account thouroghly and find out what would have prompted any charges to be sent to collections. The case is still open and has been for nearly one week with no response. Case number XXXX implying that I have a false collections in my name that needs to be retracted from 'Sequium Asset Solutions ' .

I called XXXX today, and the kind lady told me to file this report and make sure it is removed from my credit report, as this has nothing to do with my account.
Product: Student loan

Graduated from school XX/XX/XXXX. I began to receive bills in XX/XX/XXXX, each time I received a bill I called Navient and told them that I had not graduated but that did not stop Navient from calling my home, sending noticed and billing me every month. Every other day there was a message from Navient reminding me a payment was due and every week I would call the number and talk to a representative and let them know my graduation date was months in the future. Soon I just began to accept the harassment and stop calling. I did send back the bills with notes that I was graduating in XX/XX/XXXX, and I thought I had six months to find a job then start payments. My calls & notes were ignored. <P/>XX/XX/XXXX. I received my notice that my bill was near {$170000.00} with over a full one third in interest & late fees. My student loans are subsidized by the federal government, and should not accrue any interest while still in school. I had very little unsubsidized loans. <P/>I was told if I want my loan to be based on my income than I would have to print everything out and then FAX it in. I did all that and the repayment still included my entire family 's income. I am a grown women responsible for my own bills. <P/>I have worked for a XXXX XXXX at the XXXX level so my XXXX representative urged me to apply for PSLF Public Service Loan Forgiveness. For all my loans to be eligible I consolidated all my loans under an income repayment plan. I filled out all the paperwork to consolidate my loans and adhere to the rules. All loans under one consolidated loan so all would be eligible under the guidelines. Navient instead created two separate loans and said neither was eligible for PSLF. I need help. Navient is destroying my credit score as well as not adhering to the policy set at studentaid.ed.gov. The percentage charged against my loan ensures that I will never be able to pay off the balance.
Product: Bank account or service

On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


inaccurate information balances dates has been reported of my credit report SANTANDER CONSUMER USA
Product: Debt collection

On XX/XX/XXXX I was in an auto accident, at the time of the accident I had state provided insurance as I was still in high school. Due to the extent of the injuries I had to take a ambulance to the hospital from the accident. My XXXX was XXXX and I was unable to move my XXXX XXXX. One of the two XXXX workers were rude and told me I had to move my XXXX, when I told him I couldnt he got rude with me and the other XXXX worker took over. He asked me my information, name, birthdate, insurance and who/what will be cover the costs, etc. When I got to the hospital they asked the same questions. I told both the XXXX worker and registration at the hospital my insurance, XXXX, is what I would be using to pay for the ambulance transportation and the care provided. I filled out all the proper paperwork after my shoulder was put back in place. Less than a week after the accident I received a called asking yet again what was going to be used to cover costs, I once again told them XXXX and was told everything was good they just needed to verify my information. Then in XX/XX/XXXX I received a letter saying I owed {$1400.00} and it was going to collections. I had only received one phone call regarding the ambulance ride and it was a week after the accident happened. I was told everything was fine and my insurance did cover it. I mailed a letter to both the XXXX XXXX XXXX and the collections company telling them that I had insurance and it was covered by insurance, that I shouldnt have a open balance of anything. I called both companies and XXXX XXXX XXXX said that they are no longer in control to write it up the debt off because it got sold to the collections company. XXXXXX/XX/XXXX XXXX  did not have my permission to sell my medical information to the collections company. After I was told the XXXX  company could not remove the debt I called, sent letters and emailed the collections company. When I still didnt hear anything back from them I found their XXXX page and reached out to them on XX/XX/XXXX and told them I did have insurance. I have proof that I reached out with all correct and accurate information. I called XXXX to verify that it was in fact covered by them. XXXX confirmed that they covered the ambulance ride however XXXX XX/XX/XXXX XXXX did not bill them so they could pay for it. I have disputed this multiple times yet have gotten no where with it. I contacted the collections company and asked for it to be removed from my credit because Im not responsible for the debt and I did not give the XXXX company permission to give them my information at the end of XXXX and was told no. I then once again called XXXX and they said that I was not and am not responsible for the debt because they wouldve covered it had the company billed them like they were suppose to. They failed to do their job in a timely manner.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. 


The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine IC SYSTEM INC Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX  XXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

US Bank has refused to give me information on an account that was cleaned out used and closed. There is reported forgery signatures on the account and I am needing information upon the transactions that were made on a US BANK account in which XXXX XXXX social and my social security were used to open the account. I was notified by XXXX XXXX XXXX XXXX that this account was used to pay for XXXX XXXX  I am not a XXXX  and I did not consent for this to happen it was around XXXX I need help with this matter as soon as possible.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX through the bank of America and they closed my card without notifying me or telling me that it was closed. They refused to allow me to use my card to purchase things for my son who is in college. I was informed over the phone that I must enter the bank with 2 forms of ID to get access to the card. I see no reason why they would close the card and wont tell my why they closed the card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Vehicle loan or lease

Approximately the spring of XXXX I had purchased a XXXX XXXX XXXX and Wells Fargo was the lender and although they appeared at first interaction that they were a great company and truly wanted to help people. Then I missed a few payments and they repossessed my truck, so I was able to come up with {$2000.00} to regain my truck back. Then I was short on a payment and owed like {$300.00} and I told them that I was making the payment on Wednesday I believe and I went to work because I got called in to do a quick service and I was taking the payment in when I left work, again they were aware I was making the payment on this day but instead of allowing me to get off work and go pay if they had a tow truck driver come take it at work and they would not take my payment of {$300.00} and basically said they couldnt do anything once the tow truck driver had it hooked up. Needless to say that was one of the worst days of my life, not only was that super embarrassing but they took my favorite vehicle I had ever purchased and I was purchasing it on my own, no mom for a co-signer and Ive always wanted my truck back. If they allowed me to get behind {$1500.00} then why was {$300.00} so much of a deal breaker ( it wasnt even a full payment because my payments were $ XXXX. XXXX? It doesnt matter if you talk to someone and make payment arrangements because I truly believe they love having ultimate power and exert it in the wrong way at the worst time. I dont think you may understand how much I loved my XXXX XXXX XXXX loaded SRT, all terrain rims, sunroof, I could go on and onpoint is I would have done anything to keep my truck but was quickly denied that opportunity due to a half paymentWOW!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in light of the cfpb lawsuit highlighting significant issues with the platform despite having issues with the platform I was unable to achieve a resolution based on there not being any options to recover sent money zelle has left customers vulnerable and unprotected
Product: Credit reporting or other personal consumer reports

Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 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
Product: Money transfer, virtual currency, or money service

I have been a victim of a massive identity theft dating back to XX/XX/2022 and cash app allowed my account to be breached numberous times and never refunded my money
Product: Debt collection

Went to dispute an item and the verified it but yet it was paid off and also all three of the credit bureaus are reporting different items
Product: Credit reporting or other personal consumer reports

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 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 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: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.
Product: Debt collection

Transworld Systems is tryi ng to collect a debt that was included in bankruptcy. The debt is fro m 2013. They a re t he 3rd co mpany to purchase the debt and refuse to take it off. It has already been removed by  XXXX  other companies that purchased the debt not owed for {$530.00}. I have filed a dispute with all  XXXX  reporting agencies. I have also contacted the company directly. They have re-aged the debt multiple times, making it appear to be recent and keep re-reporting. They refuse to follow the law. I have never even received anything by mail or otherwise from them.
Product: Mortgage

I HAVE APPLIED FOR FINANCIAL ASSISTANCE TO SAVE MY HOME WITH BAYVIEW, I HAVE COMPLIED TO THE NUMEROUS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT THEY HAVE DEEMED MY FILE COMPLETE WITH RECEIVING ALL DOCUMENTS NEEDED TO SEND MY FILE TO THE UNDERWRITING DEPARTMENT. THIS WAS DONE AND CONFIRMED ON EVERY CALL SINCE XX/XX/18. I WAS TOLD THAT THEY WILL HAVE A DECISION WITHIN 30 DAYS SENT TO UNDERWRITING, I HAVE REVIEWED THE FHA HANDBOOK FOR MODIFICATIONS TO DOUBLE CHECK AND THEY HAD ONLY 30 DAYS TO ISSUE A DECISION. THEY ARE WAY OVER THAT GOING ON 2 MONTHS HERE IN A FEW DAYS, ALL THEY SAY IS WE ARE BEHIND. THAT HAS NOTHING TO DO WITH ME THAT THEY ARE BEHIND AND THEN THEY START GETTING RUDE AS IF I AM BUGGING THEM TO DO THEIR JOB.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX along with XXXX, Trans Union and XXXX has shared my personal information with XXXX XXXX XXXX. After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.
Product: Credit reporting or other personal consumer reports

A couple of weeks ago, I tried to open a bank account with XXXX XXXX. On XX/XX/year>, a representative from XXXX called me to verify my identity. XXXX uses LexisNexis Phone Finder. 

For whatever reason, I failed the verification which I found strange. I dutifully called LexisNexis to correct any misinformation. There was none. As such, I even ordered my consumer report. I have attached a copy of a separate letter which details the minor issues in it which I have already mailed to Lexis Nexis. 

On XX/XX/year>, XXXX again tried to verify my identity and still it failed. This time though, the XXXX representative, XXXX XXXX, and I called LexisNexis to verify that my information was correct. And again, everything was correct ; there was no mistakes. 

Nonetheless Truit wasnt able to verify me via LexisNexis Phone Finder despite my information being correct. 

LexisNexis has the moral and, as per the Fair Credit Reporting Act, legal responsibility to correct any mistakes. Because XXXX ( and imagine others ) can not verify my identity due to, I assume, a technical issues, LexisNexis is failing at its obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus XXXX, XXXX and Experian in XXXX. After their investigation these items were removed from their reports. The creditors XXXX XXXX XXXX XXXX XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.