23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

REFERENCE NUMBER : XXXX REFERENCE NUMBER : XXXX ACCOUNT NUMBER : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX / XXXX XXXX XXXX / SEQUIUM ASSET SOLUTIONS , LLC dated XX/XX/2024 regarding a dispute on the above account & reference numbers & also previous disputes regarding this account and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX / XXXX XXXX XXXX / SEQUIUM ASSET SOLUTIONS , LLC are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX / XXXX XXXX XXXX / SEQUIUM ASSET SOLUTIONS , LLC is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Mortgage

The company, Planet Home lending contacted me to let me know they did not receive a payment for the month of XXXX. After contacting my bank, XXXX, it was determined that the check was sent to an older address that the company had. In essence I continued to send my check to the same PO., however the company had moved and I was not notified. I am being charged a late fee of {$31.00}. In discussion with the rep. I would have to find the money to pay today or a note would be made to my credit score. I did have to call my bank, stop the check, pay the statement again. This is predatory!
Product: Checking or savings account

XXXX ago a Wells Fargo banker fraudulently opened a credit in my name. I called and spoke to someone in customer service and the card was closed and an apology was extended.
Product: Credit card or prepaid card

Somebody broke into my car and stole my wallet, social, all my cards and my phone
Product: Checking or savings account

My account was closed on XX/XX/XXXX of 2023. I had a {$0.00} balance. It was gone from my view in my app after 5 business days just like the bank told me it would be. I deleted the app and that was that. Apparently, On XX/XX/XXXX there were numerous debits. This caused the account to be reopened per the bank and made the account overdrawn {$690.00}. They also charged a {$25.00} overdraft fee in XXXX and XXXX. I had no idea about any of this until I received a notice from XXXX that they were refunding a deposit I made from last XX/XX/year> because they had to cancel a booking I made. They advised that the refund was going back to my bank account that I had at the time which was this citizens account. I called citizens to inquire about how they handle the refund since my account was closed and they advised that they were not returning the funds because they were applying it to the negative charge that occurred after the account was closed. The amount of the refund from XXXX was {$400.00}. 
This account had been closed for almost 2 full months before these debits occurred. How can the reopen the account after that long. And now they are keeping my refund from my XXXX deposit to pay?? This is insane
Product: Credit reporting or other personal consumer reports

Sent multiple communications to Equifax beginning in XX/XX/year>, requesting information because there were multiple inaccuracies reporting on my credit report. I continued writing to follow up on my previous disputes. Despite my request for the method of verification, I have not received a satisfactory response. The inaccuracies are causing significant detrimental harm to my financial reputation and constitute a misrepresentation of my creditworthiness. These errors are negatively affecting my ability to secure credit, loans, and other financial opportunities, and I requested immediate correction to prevent further damage. I requested proof of the accuracy and completeness of the disputed information, including the method of verification and the name, address, and phone number of the person or organization that verified the alleged. In my communications I advised that, Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Additionally, I may pursue legal remedies including statutory damages up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees as outlined under the Fair Credit Reporting Act ( FCRA ). Please reach out to me directly via phone, XXXX, if there is any additional verification required. Thank you for your prompt attention to this matter.
Product: Student loan

I have been a public servant for twelve years since XX/XX/XXXX. I have made timely monthly payments through autopay during my employment as a public servant. Today XX/XX/XXXX I received a PSLF rejection letter because I have insufficient qualifying payments. However, I believe that I have made 120 payments and that I qualify for Temporary Expanded Public Service Loan Forgiveness. I have called FedLoan Servicing requesting records of all of my payments including the ones made to previous loan servicers. Despite many phone calls, I have not been able to obtain a comprehensive payment history. I was told pay history documents would be mailed to me but I have not received them. Today XX/XX/XXXX, I called FedLoan and was told by an employee that they could not give me any information regarding my total number of payments. I was told to contact my previous loan servicer to get information regarding payments made to them. The previous loan servicer no longer has information regarding my payments. I have applied for TEPSLF but I do not know the status of the application nor how many qualifying payments FedLoan has recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from Loan Pal on my report. When I inquired with Loan Pal to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed Loan Pal that the inquiry was supposed to be a soft inquiry, not a hard inquiry. Loan Pal investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit report.
Product: Vehicle loan or lease

ON XX/XX/2019, I BOUGHT A NEWXX/XX/XXXX FROM: JXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

($XXXX  WORTH DEALERSHIP PRODUCTS I NEVER ASK FOR) 

ON XX/XX/2019 I REFINANCE MY AUTO LOAN WITH XXXX XXXX XXXX XXXX WITH A LOWER RATE AND BETTER TERM. 

I WAS ADVISED THAT 4 PRODUCTS WERE ADDED TO THE LOAN WITH OUT MY KNOWLEDGE IT WAS ADDED TO THE FINANCE AMOUNT. 

I WENT BACK TO THE DEALER ON XX/XX/2019, AND ASK FOR THE GM OF THE DEALERSHIP, AFTER WAITING FOR 1 HR, XXXX XXXX  CAME OUT AND TOLD ME THAT GM WAS TOO BUSY TO TALK TO ME AND HIMSELF WAS TOO BUSY TO ASSIST ME. TO COME BACK ANOTHER DAY OR EMAIL THE CANCELLATION DEPT. 

I TRULY THINK WAS WAS MISTREATED AND NEED THIS MATTER FIX ASAP. 

I WILL FILING A COMPLAINT WITH TEXAS DEPT OF LIC AND REG, 
"ENFORCEMENT DIVISION"
Product: Mortgage

I was offered a loan modification that is a little to high to pay. There is no room for emergency or incidents.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Oportun called me 3 times to ask me to refinance my loan as a preferred/special customer. I agreed, but informed them I would have to unfreeze my 3 credit bureau accounts. On XX/XX/XXXX I spoke to an XXXX who was walking thru the procedures to do the refinance, when she tired to put me on hold, we were disconnected. I called back and spoke to an XXXX, he tried to be very helpful. We went step by step to make sure we had all the information that was needed. I expressed deep concern as Oportun failed to have my correct phone number, and incorrectly stated they could not verify I am me and my income. XXXX assured me all was correct. We spoke twice. Then XX/XX/XXXX at XXXX XXXX  XXXX a person called from the escalation complaint department apologizing fro previous issues and said all my paperwork was/is in order. Someone would call with the final numbers. Nobody ever called. I called on XX/XX/XXXX, spoke to an XXXX who could answer nothing and hung up on me. Then I spoke to another person who said his name so fast I did not catch it. He just read a computer screen and answered nothing. Bottom line, we are now at XX/XX/XXXX and nobody has called, no paperwork has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX and I don't function as planned if most days at all I have a total amount of almost {$27000.00} dollars for college debt.
Product: Credit reporting or other personal consumer reports

I got a XXXX credit card in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all XXXX credit reports.
Product: Credit reporting or other personal consumer reports

Hello, I attempted to complete my free credit report with XXXX, XXXX and TransUnion. While doing so I completed the form and inputted all my personal information after I did this, site stated they will send me a code to ensure verification I did not get the five number code, the site disconnect me and will not allow me to move forward. 

I called XXXX and was asked to input my information again to start the process I did this and once again I was disconnected after I inputted my information. 

I wanted to get a copy of my free yearly credit report and was trying to place a freeze on my credit due to a breach letter I received from XXXX in XX/XX/year> on behalf of a breach of my medical records from XXXX on XX/XX/year>. I am very concerned about identity theft since my data was breach. But I am unable to move forward to check my report. 
Thank you for your time and assistance in resolving this issue. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected 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 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 XX/XX/2021 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: Debt collection

I have reached out to Hunter Warfield with a credit repair agency. On XX/XX/2022. We informed Hunter Warfield we sent a letter for debt validation and they didnt respond within the timeframe permitted by law. I did ask on the call if they can provide proof of debt and also why are they adding interest to the debt and they failed to offer an explanation also Hunter Warfield advised me they will submit a dispute on their end but didnt provide me with a timeframe when it will be completed. Hunter Warfield told me they will let me know when they get ready. I found this company to be very unprofessional, aggressive and very threatening. Hunter Warfield please remove the invalid debt from all three of my credit reports, your company have cause stress on my lively hood and affecting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I signed up with credit karma it was to help my credit, not to impact it further. I received several credit offers that promised at the time when my credit was stable. Instead i received several companies that were phishing and cause several inquiries that impacted my credit. This situation cause my my score to go dangerously low.
Product: Checking or savings account

Starting around XX/XX/22 my husband XXXX XXXX XXXX was draining our marital money out of 7 joint chase bank accounts. By the time he filed for divorce the accounts were XXXX balances, and negative balances, he recently opened a new account under our eldest and his name. Had drained XXXX into his own separate accounts at another bank : XXXX, XXXX XXXX XXXX and others. Wire transfers to his father of almost XXXX. He forged my inheritance account checks totaling XXXX. 

I have called chase bank and spoke with a private banker several times and nobody is helping me. I live in fear everyday as a single mother or XXXX boys while is a physician making XXXX a year. This is financial abuse and want charges made
Product: Vehicle loan or lease

I paid on the loan for my vehicle, and was never late on a payment. I got XXXX and my income dropped. I called the financial institution and explained the situation. They said they could not lower my payments. At that point I told them that I would volunteer and surrender the vehicle to them. The man i spoke with said that the vehicle would be enough to satisfy my loan, because of me saving the company re-possession fees and other costs. ( Apparently not ).
Product: Credit reporting or other personal consumer reports

LATE PAYMENTS ON CREDIT REPORT DONT HAVE THIS ACCOUNT Inaccurrence with The Fair Credit Reporting Act XXXX account CAPITAL One has violated my rights 15 USC 1681 section 602a states I have the right to my privacy 15 USC 1681 section 604 a section 2 It also stated to Consumer reporting agency can not furnish an account without my written consent of instructions 15 us code 1681a- definitions rules of construction exclusions except as provided in a paragraph the term Consumer Report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as a late for purpose
Product: Debt collection

XXXX XXXX XXXX refuses to communicate with me. I have reached out via telephone calls, letters and emails. No response or return calls. Nothing states that XXXX and XXXX have purchased this alleged debt with XXXX XXXX. My credit score just keeps dropping. This is wrong and I want justice. I have been in many disputes with XXXX XXXX with the CFPB and you just keep closing it. XXXX XXXX doesn't have integrity and I feel I am being harassed by this issue. It has been going on since 2016. That's too long to resolve an issue. There is no reasonable excuse why this keeps continuing. Please see attached documents.
Product: Debt collection

Dear CFPB, I am writing to formally lodge a complaint against [ NCA ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of XXXX XXXX XXXX. 
Summary of Violations : XXXX. Failure to Provide Validation : [ NCA ] has failed to provide validation information as required under XXXX CFR XXXX ( b ) ( XXXX ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims. 
XXXX. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with XXXX CFR XXXX ( c ) ( XXXX ) ( XXXX ). The lack of validation has prevented me from appropriately addressing the validity of the debt. 
XXXX. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws. 
XXXX. Unauthorized Reporting : [ NCA ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating XXXX XXXX XXXX ( d ) and XXXX XXXX ( a ) ( XXXX ) ( A ). 
Dispute Declaration : I hereby dispute owing {$1700.00} to [ NCA ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner. 
Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ NCA ] and the original creditor. 
Any documentation that demonstrates their authority to collect on this alleged debt. 
Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX  data breach in XX/XX/XXXX  where my information was compromised.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within XXXX business days of receiving this complaint XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX The accounts listed XXXX XXXX XXXX and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB XXXX XXXX, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that XXXX, TransUnion or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # 32016 ( AFCU- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent:XXXX Received:XXXX Submitted for Investigation:XXXX  Response from XXXX : XXXX - Results : Unchanged Letter # 2 ( XXXX ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/TU/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent:XXXXXXXX Rcvd XXXX XXXX XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX 0915 4.3 ( XXXX {$1000.00} ) Certified Mail Ending in : XXXX Sent:XXXX Letter # 1 : ( TransUnion ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # 2 : ( TransUnion ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX