23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a mail from Sequium Asset Solutions , LLC last XXXX XXXX, letter was dated XX/XX/XXXX, reference # XXXX, creditor name : XXXX XXXX XXXX found out from XXXX it is XXXX  ) creditor account # ending XXXX, total due {$64.00}. 
Letter with bold print You are here by notified that a negative credit report reflection on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

I called XXXX XXXX XXXX ) XXXX last XXXX XXXX XXXX staff confirmed that I do not have any pending balance, NO due amount. I informed the staff that I NEVER receive any equipment thus no service at all from XXXX  in my XXXX XXXX address. 

I called Sequium Solutions today, XX/XX/XXXX XXXX XXXX line kept ringing then my call got cut. I called Sequium using another number at XXXX XXXX answered, he informed me that it was indeed from XXXX  for an equipment costing {$59.00} plus tax which amounted to {$64.00} that delinquency was reported XX/XX/XXXX. I told XXXX XXXX am disputing the charge and I NEVER received any equipment and NO service availed in my XXXX XXXX address, I am currently using a different internet carrier.I also told him that I verified with XXXX  and XXXX  confirmed that I do not have any pending balance.I also mentioned to XXXX that if XXXX XXXX was the delinquency date, XXXX  never sent any bill to my XXXX XXXX address that I could have disputed it earlier or XXXX  never sent any mail that showed any documentation that I received any equipment from them.
Product: Checking or savings account

XXXX XXXX, the branch manager at US Bank in XXXX XXXX requested forms verifying my State of Ca paycheck in order to release my funds after my account has been closed. 

My HR department spoke with XXXX directly and submitted the forms he requested and he is now saying he does not know if he can release my funds back to me. 

My HR personnel confirmed with our State Controllers Office that the check did not return as they claim and was in fact processed, US Bank received the funds from my check on XX/XX/2021. 

Please review the attached documents. 
For one month they have continuously attempted to block every opportunity to release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collection agencies have engaged in false and misleading practices violation fdcpa 807. Additionally they have provided forms violating fdcpa 812. They also failed to provide me with the required written notice in five days in advance.

Comment Pursuant to 18 USC 8, I owe no debt. These company 's are violating my consumer right to privacy pursue 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 
If you verified these accounts as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.
Product: Payday loan, title loan, or personal loan

I took out a personal loan of XXXX with OneMain Financial in XXXX of XXXX. I have paid on time every month since up until XX/XX/XXXX. However, the balance has not changed much since the beginning of the loan. I do not feel as if the payments are being applied correctly. I have spoke to several employees at the XXXX OneMain office who is not able to help me understand why the balance is not decreasing. One stated that the interest is gained daily whether you have paid or not. I do not remember reading this in the contract or being told of this. Please help me in this situation. I have attached my first billing statement and my current billing statement for proof.
Product: Debt collection

This is my second dispute notice, You, I C SYSTEM INC # XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere in My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, I C SYSTEM INC # XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default is entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to I C SYSTEM INC # XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with I C SYSTEM INC # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX prove to me how they " verified '' that the account with XXXX XXXX XXXX XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Product: Credit reporting or other personal consumer reports

SYNCB/ HOME DESIGN CREDIT CARD EXTENDED ME CREDIT FOR PURPOSE OF GETTING MERCHANDISE. I MAINTAINED GOOD PAYMENT NEVER LATE OR MISSING ANY PAYMENT SYNCRONY CLOSED MY ACCOUNT WITHOUT ANY CONVERSATION OR LETTER INFORMING ME OF THERE INTENTIONS. I REACHED OUT TO FIND OUT WHY THIS ACCOUNT WAS CLOSED THEY INFORMED ME THAT ANOTHER CONSUMER REPORTED THAT THEY SHOULD CLOSE IT OUT. I EXPRESSED THAT CLOSINGA GOOD ACCOUNT WOULD AFFECT MY CREDIT AND SCORE. THEY SAID THEY HAVE ECERY RIGHT TO DO SO I INFORMED THEM THAT WE HAVE A ( LEAL CONTRACT WHICH WAS USED TO OPEN THIS ACCOUNT AND IF I MAINTAINED THIS IN GOOD STANDING IT WOULD BE REPORTED AS SO. IN DOING SO IT STARTED A RIPPLE EFFECT MAKING MY SCORE DECEASE AND KEEPING ME FROM GETTING OTHER OFFERS OF CREDIT. THIS IS A VIOLATION OF ARE AGREED CONTRACT IF THEY CAN WILLINGLY CANCEL MY CONTRACT THEN THIS MAKES A CONTACT VOID.AND THOSE ALL AGRREMENTS NO LOGER BINDING SO I ASKED THEM TO REMOVE THE CREDIT REPORING ACCOUNT SICE IT WAS THERE REASON TO CANCEL THE CONTRACT THEY REFUSE ( BREACH OD CON TRACT ).
Product: Debt collection

I have contacted procollect multiple times via phone call and via electronic requests through the procollect website. they have not provided any information other than the total of my debt i allegedly owe and who filed it. XXXX XXXX XXXX was the company that filed the debt. They did not contact me prior to sending me to collections for the amount they are claiming I owe. In addition I have been contacted approximately XXXX2 times from phone number : XXXX ( XXXX ) XXXX, this occurred between XX/XX/XXXX and XX/XX/XXXX for this debt. Even after telling them I will be disputing it. They told me it was too late to dispute the debt and that they are considering it true and accurate.
Product: Mortgage

I have been threaten by PNC of being Foreclosed and they are not working with me. I was forced to move from XXXX XXXX to XXXX XXXX XXXX due to military XXXX in XX/XX/XXXX, I moved my family and posted the house for sale several times, seeing that nobody will buy it I rented it but even then the rent was not covering the mortgage, then I retired and financially I was having a hard time keeping the house, last year I got divorced and got even worse financially and even then I keep the hardest to keep the property, then PNC Mortgage threaten me to foreclose the house, I then had all the intentions to short sale the house at the very least. My balance in the mortgage is around {$210000.00} - {$210000.00} and I had several offers which I submitted for {$180000.00} and I had a backup for {$190000.00} and the lender ( PNC Mortgage ) denied the offer and refused to work with me asking for {$230000.00} when the appraisal came back without them even going in the house and scared away any other offers I had on the table. They interfered with my attempt to short sale the property by refusing to cooperate with me. I am running out of time and they set a date to foreclose this Wednesday XX/XX/XXXX and I have several calls from people interested in the house and I am willing to keep trying to short sale. I please very respectfully request to help me in this matter and possible avoid being foreclose and for PNC to cooperate and work with me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. Account Details : XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address the delinquent accounts listed on my credit report, which I recently obtained and reviewed. Upon careful examination, I discovered several inaccuracies and discrepancies that have caused me significant distress and concern.
Product: Debt collection

Dear CFPB, I am writing to formally dispute an account reported by Absolute Resolutions Inv on my credit report.

This account contains numerous inaccuracies, unverifiable information, and unauthorized access to my credit file, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the CFPBs intervention to ensure this matter is resolved and my rights as a consumer are protected. Below are the details of the account and the discrepancies : Account Details Creditor Name : Absolute Resolutions Inv Discrepancies and Violations : 1. Balance Mismatch : This stark inconsistency violates FCRA Section 607 ( b ), which requires maximum possible accuracy in credit reporting.

2. Credit Limit Discrepancy : These conflicting figures create an inaccurate credit utilization rate.

3. Payment Status Conflicts : Each bureau reports a different payment status. 4. Incomplete Payment History : Th
ese inconsistencies further indicate unverifiable and unreliable information.

5. No Contractual Relationship : I have never signed or agreed to any contract with Absolute Resolutions Inv. Reporting an account without a valid agreement between me and the reporting entity violates FCRA Section 607 ( b ).

6. Unauthorized Credit Access : Under FCRA Section 604 ( 15 USC 1681b ), Absolute Resolutions Inv is required to obtain explicit written consent to furnish or obtain my credit information. I never provided such consent. If any such authorization exists, I demand immediate documentation of this consent. Otherwise, this constitutes a violation of federal law.

7. Unverified Reporting : Absolute Resolutions Inv has not provided sufficient documentation to validate this account, including proof of ownership, original creditor details, and chain of custody for the debt. This violates FDCPA Section 809 ( b ) and FCRA Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING AN ISSUES GETTING MY DISPUTES PROCESSED WITH THE CREDIT BUREAUS.
Product: Payday loan, title loan, or personal loan

I applied for Spot loan and they approved me. They told me to wait up to 3 days and I did So they told me to send in my ID and Pay stub and I did as I was told to do. They told me to wait up to 2 business days and did. I have not received no funds from Spot Loan & I send them a email & NOTHINGG! They scam me for my social and all my personal information.
Product: Payday loan, title loan, or personal loan

Their personal online banking hosting area of their website doesn't provide me with a rundown of my account statements. If they are not able to provide customers with account statements online, then they need to be mailing them to us on a monthly basis. I funded my personal loan through Earnest.com and SST is a third party provider that takes the payments. 

I've made phone calls in the past requesting they provide me with an account statement each month and that hasn't been fulfilled. I expressed to them that for some odd reason when I log into my online portal to access my account, it says that I don't have permissions to see my statements, which is odd. Their system looks archaic and I find it mind boggling that this provider doesn't have an adequate mechanism to provide customers with their account statements.
Product: Bank account or service

I needed to wire funds for a mortgage closing and the bank refused to do a wire over the phone, even though I offered to sign whatever forms and fax in whatever verification they required. I do not have access to a branch because I have moved and there is no US Bank in Florida. The US Bank website says you can do immediate or next day transfers which would also help because I could transfer to a FL bank and then wire, but when I went to do that instead it would n't let me because I was above the transfer limit. I am unable to access my own money via wire and it may result in me loosing my home. This is unacceptable!
Product: Vehicle loan or lease

I leased a vehicle from Mercedes-Benz XXXX XXXX which is financed by Mercedes Benzs Financial Services arm . As a convertible, it had an annoying drip every time it rained. The dealership was less than helpful after replacing the flashing. And I decided I would never buy/lease another vehicle. As I neared the end of my lease, I decided to buy a new/use XXXX and return the XXXX. Ultimately, it worked out that I could return it early. I spoke with the local dealership and they said I could just bring it in early as long as I made all payments. When I brought it in, they said it was in immaculate condition, which it was and only XXXX miles. They also had XXXX extra weeks to sell the vehicle. About a week later, I received a bill that included a {$590.00} turn in fee and {$22.00} early termination fee. I am sure both fees are listed on the extensive paper work reviewed XXXX years ago. But a {$590.00} junk fee on a XXXX XXXXXXXX transaction, I was shocked. It was not covered verbally at lease inception nor in person or on the phone in several calls leading up to the return ( and all parties know I wouldnt be buying or leasing another XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX XXXX and Experian. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of XXXX usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.
Product: Credit reporting or other personal consumer reports

Ive submitted a dispute after I thoroughly reviewed my credit report and saw inaccuracies. Experian failed to investigate, yet instead sent me an email that states We have received a request regarding your credit information that does not appear to have been sent directly by you and stated that they will not take any action! 

The letters were well sent by me and I feel as if thats an excuse to not properly investigate my dispute! I will NOT dispute anything online because it is believed that my disputes get pushed through a system that automatically verifies it as accurate without doing a proper investigation! PLEASE DO A THOROUGH INVESTIGATION AND GET THINGS REMOVED IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 they checked my credit twice without my specific consent along with two other companies when a car dealer shared my information without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Debt collection

Weeks back I got a ding on my credit file stating that there is a new collection on my account. I first called XXXX XXXX, the company that claimed that I owed the money. After asking me several questions, they agreed it was not mine and it would be removed .... STILL NOT REMOVED. 

I then called this collection company that just randomly put it on my credit file. Nothing they asked matched. I never lived in XXXX, Texas. I have never shopped in XXXX, Texas. These people told me the same thing, they would remove it, BUT NOT DONE. 

How do you give someone a loan with my phone number, drivers license nothing close to mine and yet claim that this is mine. This is criminal and highly illegal, not only giving some random person, most likely XXXX, claiming to be someone named XXXX from XXXX?!?, getting a loan in XXXX. FOLLOW ME HERE
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights. They continue to use stall tactics to avoid doing what is needed and are skirting the law with their fraudulent replies.
Product: Credit card

This is additional information regarding Complaint ID : XXXX. 

In their rebuttal statement, they say the card was issued on XX/XX/2023, later in the same long paragraph, they admit I called on XX/XX/2023, because I had trouble with the application. The card was then issued on XX/XX/2023, which puts the shorted discount of the purchase made on XX/XX/2023, within the 60 days. Plus, there was never a fraud claim made and certainly not on XX/XX/2023, as we were getting the application filled out. I think they locked out the log-in because they were tired of getting emails asking about the XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX made a fraudulent hard inquiry to my Transunion report. I have been unable to reach them by phone. I am an identity theft victim and attaching relevant police report. Transunion has instructed me to contact each individual company.
Product: Checking or savings account

Called on XX/XX/2020 to see why my XXXX deposit was placed on a 5 business day hold. This was money from my in-laws that have plenty of it. Why am I being treated like a criminal and not given access to my money on XX/XX/2020. Dispite telling them this i can't get approved to use.