23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted via mail by Sequium Asset Solution, LLC in XX/XX/XXXX. Their letter was dated XX/XX/XXXX about an outstanding balance with XXXX of {$400.00}. Which includes {$200.00} for the final bill and {$200.00} for the equipment charge totaling {$400.00}. 

I paid the balance of {$200.00} on XX/XX/XXXX through XXXX ( XXXX  ) website and called Sequium Asset Solutions stating that I paid the final balance of the bill that XXXX sent to me dated XX/XX/XXXX. On that bill from XX/XX/XXXX that XXXX sent me, it was noted that the {$200.00} charge was credited because I had returned the equipment back to them which is also noted on the XX/XX/XXXX bill that I returned the equipment in-store to XXXX on XX/XX/XXXX. The gentlemen that I spoke to noted my account and stated they would contact XXXX and dispute the charge with them. After receiving no response of the dispute or an account update I sent them a debt validation letter and they did not response to it. Instead they listed the account on my credit reports for a balance of {$200.00} still due. I have verified with XXXX over the phone during the month of XXXX, as well as most recently XX/XX/XXXX in-person at the XXXX- XXXX store and over the phone to make sure that I owe XXXX no further debts on my previous account. I have disputed with the credit bureaus and showed proof that XXXX has received both final payment and the equipment back. There is no further amounts or equipment that I owe. 

When I noticed the Collection account on my credit report on XX/XX/XXXX I contacted Sequium and even though I provided proof via mail and online they refuse to acknowledge that I returned the equipment and even wanted me to pay the {$200.00}. They specifically mention it is for the equipment and they ignore any proof coming from XXXX which is the Final bill dated XX/XX/XXXX which is clear as day stating that there is a credit of {$200.00} and a new balance of {$200.00} ( which I mentioned I had already paid ). They also choose to ignore the receipt of return which even provides the serial numbers of the equipment I returned. 

XXXX has stated multiple times that I do not owe any debts with them and they have received final payment and equipment. They have stated they do not know why the Collection Agency continues to try and collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX
Product: Credit card or prepaid card

I am complaining about CareCredit 's failure to present all of the details of my previous case. CareCredit stated that my initial charge was {$2000.00} made on XX/XX/XXXX, but I had this charge reduced because the XXXX  clinic that introduced me to CareCredit and signed me up for this credit did not perform {$2000.00} worth of services. This transaction would have been easily seen on my statements, but those statements from XX/XX/XXXX- XX/XX/XXXX are not visible nor retrievable from my online account at this time. I have requested the statements be made available on my account. The practice of providing credit, then charging up the credit for services not rendered, then to place a deferred interest without anyone explaining deferred interest before and certainly after the cardholder is enrolled is unfair and. 
I contacted Synchrony CareCredit twice on XX/XX/XXXX, and expressed my concern about the fees and how it had impacted my credit. Both representatives advised that they would waive the fees if I was able to pay in full within 30 days, but could not resolve the negative mark on my credit. On XX/XX/XXXX, I made a payment of {$30.00}, and on XX/XX/XXXX I made a payment of {$260.00}. This was well within the 30 day grace period as explained by their representatives, but in their response to my initial complaint they now state there will be no removal of the deferred interest. It would appear that this inability to waive the fees is retaliation for my formal complaint with the Consumer Financial Protection Bureau. 

See Complaint : CFPB Case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update and corrected immediately : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account has been reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Account Status : XXXX : Closed XXXX : Open TransUnion : Open Date Last Active : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Collection Status : All three bureaus show the account as placed for collection. 
Late Payment Status : XXXX : Was 90 Days Late 4 Times XXXX and TransUnion : No late payments reported The inconsistencies in the account status, dates, and late payment reporting across the three credit bureaus indicate that the information being reported is inaccurate and misleading.

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The discrepancies in the account status, date last active, and the late payment reporting violate this statute. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account as both closed and open, as well as the misleading late payment information, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Checking or savings account

I did a mobile deposit of {$10000.00} with Citzens Bank  on XX/XX/XXXX which was a gift of money from a family member. It said the funds would be available on XX/XX/XXXX the funds were not available and I was not informed in any way that the funds would not be available until the XXXX after I had made a phone call to the bank. I spoke with a manager and asked why a hold was placed and why I wasnt informed and if there was anything I could do about it he told me no. I waited until the XXXX still no funds available so I called again and was told that now they put a XXXX hold on it and that the funds were not going to be available until XX/XX/XXXX. I asked to talk to a manager again. This one XXXX at least was a little nicer than XXXX who I spoke to the week prior. I asked her if there was anything I could do to get the money released and she told me I could get information for a contact and number from the issuing bank that would be able verify that the funds were available. I obtained that information and called XXXX and gave her the contact info and instructions. I was told to tell her and that all was needed was for her to call that number enter the check number in and verify funds were there. I explained that this was causing serious stress, hardship and XXXX XXXX to me! I had rent being paid and my car payment that bounced back as not paid and that I needed to buy food for my family! My paycheck from my employer was transferred by me into the account and I had no access to that as well and any bills that were set up on auto pay were also being directly withdrawn from my account were declined. If the hold goes until XX/XX/XXXX that is a 17 day hold I have the potential being evicted losing my car and not being able to feed my family! I have banked with the institution for 26 years or longer and after this I will be withdrawing all our accounts 4 in total. I have also contacted a lawyer just because of the all the mental anguish this has caused and I have never in my whole life ever contacted a lawyer for anything!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry XX/XX/XXXX did not authorize Exeter Fin inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize
Product: Debt collection

I've been contacted repeatedly by text and phone since XXXX  by an alleged debt collection agency looking for a XXXX XXXX. I texted and told them I don't know XXXX XXXX and I called and told them not to call me anymore. The last time I answered a call from them, the woman said she was looking for XXXX XXXX. When I said " this is a scam '' she immediately hung up. When I called from another number and asked for their address the man said " I'm not at liberty to give out that information. '' The numbers I've been contact from are ( XXXX ) XXXX, ( XXXX ) XXXX. There may be more, but I didn't save them. I've also received called from ( XXXX ) XXXX allegedly from XXXX, Virginia that said I've been " flagged as invasive and noncompliant. '' The callback number was XXXX.
Product: Credit card or prepaid card

I have had great payment history with this card ever since I have opened it XX/XX/XXXX. I paid the account to XXXX on XX/XX/XXXX, and have since been receiving late fees as well as delinquent credit reporting for this card for fees that are being added to my {$0.00} balance making it appear that the account is delinquent. My available balance was also decreased in XX/XX/XXXX from XXXX to XXXX which also negatively impacted my credit score. I have not made any new charges to this account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX, I settled and paid {$640.00} with Capital One. I was told that once paid it would be removed off my credit report. Here it is XXXX of XXXX and it still showing on my credit report as a charge off when it was supposed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on ( XX/XX/year> ) and ( XX/XX/year> ), about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Debt collection

On XX/XX/year> I learned that debt collection agency known as Independence Capital Recovery was calling 3rd parties and harassing family members when they had a direct line of communication with me the primary party. They were given a cease and desist in this matter and still engaged in harassing these separate parties. Furthermore, Independence Capital Recovery refused to mail out the documentation stating the debt I owed, when I requested this information the supervisor there stated that he would only send it via email even after I responded with the fact that I do not own software that can view the type of attachment 's linked to the email, he also stated he would not spend a dime sending out a certified letter to ensure i received this information. More alarming was that on XX/XX/year> I entered into an agreement with them to pay certain amounts on certain dates beginning with the first payment that day in order to stop the abusive conduct from occuring regardless of wether i owed the debt. It came to my knowledge that the agency accessed my bank account and withdrew funds without my permission. This is a clear violation of the FDCPA Act. Included below is the ban transaction to which they illegally accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon noticing a drastic drop in my credit score of XXXX points all at once I pulled my credit reports and found 2 Unauthorized Hard Inquiries added by Capital One on two separate dates ( XX/XX/2022, XX/XX/2022 ) The fraudulent imposter failed to include my correct address, Instead he used a mix of my current address and one of my past addresses that together results in an address that I have never been associated with at all never received mail nor lived there. 
The Fraudulent Imposter used My name and possibly my social security number in attempt to obtain Credit from the below mentioned lender. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX This operatic fraudulent action has negatively affected my credit score after many years of carefully tending to it and improving it.
Product: Mortgage

I have applied to assume a mortgage for the home I live in. This home was my father 's who passed away without a will. I hired an XXXX to take care of the " Transfer of Property '' and/or " deed '' for the home. In the state of Indiana the legal document is a " Affidavit to Transfer Real Estate ''. This is due to not being able to go to probate court ( not enough money in estate ), also my father is not alive so he obviously can not quit claim the deed to me. 

The Mortgage Company Select Portfolio Servicing , Inc. ( SPS ) underwriters are not accepting this legal document in the state of Indiana for the " Transfer of Property ''. 

They are now foreclosing. My XXXX has been in contact with their ( SPS ) XXXX  he asks for the same docs the XXXX ask for, I have sent them numerous times. 

I have submitted every document needed many times. I have called the Mortgage company 100 's of times, I have contacted the ombudsman several times in regard to the XXXX not accepting this legal document that is my Transfer of Property, and/or deed. 

XX/XX//22 Spoke to supervisor XXXX XXXX came on she stated below : Need following documents : Underwriting needs Document transfer of property- In order to get a Transfer of Property my father would have to have done this before he passed. Father is deceased without a Will I can not get for obvious reasons. 
XXXX told me the only way is to refinance b/c I can not get the above document SPS = They do not refinance They will not assume without the document transfer of property. 

Law States I can assume the property. REGARDLESS.
Product: Credit reporting or other personal consumer reports

Experian has not removed the old address from my credit profile since the last dispute my correct address is attached to my lease and Internet bill!! 
I am tired of old information reappearing on my credit report, ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( e ). Experian along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!!
Product: Checking or savings account

on XX/XX/2021 HSBC restricted my XXXX checking account XXXX without any reason or warning. I have been try to have them remove the restriction by calling XXXX. I do received a monthly income of {$5.00} and my money is frozen with a balance of {$5100.00} on it. I can not pay bill or food or rent. At this point i would like to remove my funds and terminated my relationship with this bank.
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 XXXX XXXX XXXX XXXX XXXXXXXX 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: 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 consumer rights to privacy and confidentiality under 15 USC 1681. 
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.