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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SEQUIUM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that SEQUIUM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which addresses unfair and deceptive business practices. 

I assert with unwavering certainty that I have not provided consent for SEQUIUM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that SEQUIUM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX XXXX XXXX. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including XXXX statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SEQUIUM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Vehicle loan or lease

Santander has attempted to collect an alleged debt and repossessed the car without validation of debt. Ive sent a letter of validation of debt by fax twice in XXXX and XXXX. Where I have proof my validation of the debt request was sent and received. No response, they continued to call. 
They are in violation of my rights as a federally protected consumer.
Product: Credit card

I paid my full balance on the due date set by Capital One. They added an interest fee of {$31.00} after paying my balance in full. I spoke with a representative at Capital One who told me they would not be removing the interest charge from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this grievance as I've exhausted all options to have my payment history corrected on a close XXXX XXXX mortgage loan reporting to Equifax only. I sold my home which recorded on XX/XX/XXXX per attached released with XXXX XXXX loan funding in XXXX. I had my credit pulled XX/XX/XXXX. My closed XXXX XXXX mortgage loan was reporting as 30 days late for XX/XX/XXXX which is incorrect. Thinking the issue was corrected I had my credit pulled a again on XX/XX/XXXX. The 30-day late has moved from XXXX to being 30-days late XX/XX/XXXX. How is this reporting when the loan funded and closed XX/XX/XXXX. I have reached out to XXXX XXXX who advised they are not reporting any Negative history on my loan and this is an Equifax issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an alert of someone trying to get credit services with XXXX XXXX XXXX. 
I called them, talked to a supervisor, they determined that was fraudulent, assured me that they will remove the enquiry from Experian, I had another incident a few months back, so I had a lock on my credit agencies, they couldn't get any credit without me unlocking it, but the inquiry went through, I learned I had to put a freezer on my credit agencies which I have done since then. 
XXXX sent me a letter stating that they will send a letter of deletion to Experian, Enquiry still on my report I called back XXXX, they told me they sent a letter out the same day they sent mine, and its up to Experian to remove the inquiry, Experian tells me they haven't gotten anything from XXXX and they redirect me back to them. 
Its an endless loop.
Product: Mortgage

The basis of this complaint is that the loan transfer was improper invalidating Selene as the servicer and whomever the owner of the loan is at this moment. The ONLY reason the loan has now been transferred multiple times is to insulate the initial failure that has led to foreclosure proceedings and that situation was very straightforward. The previous servicer, XXXX XXXX XXXX, failed to process my insurance, refused to process my insurance and instead improperly applied my payments essentially forcing me to stop paying as the full payment amount was going toward their improper escrow, fees ... My mortgage documents clearly state how payments should be applied which they violated the original loan agreement and refused to take responsibility for doing so. 

It would then appear that XXXX  realizing their mistakes, began the process of transferring the ownership and servicing. They began with a loan assignment created by them and assigned the ownership of the loan to themselves utilizing MERS but yet MERS had the loan listed as inactive during that time and all of this seems very shady at best. Then a month later they assigned the mortgage to XXXX  XXXX  and when inquired, I did not get a response from XXXX, instead got a response from attorneys which is a logical red flag. We however have to back up further because neither Selene or XXXX  XXXX XXXX, or basically anyone can provide documentation for XXXX XXXX XXXX XXXX role in the servicing, there are no servicing documents showing basically that XXXX has any role in this at all and if they can't show they have a role then they couldn't have properly assigned the loan, not quite sure how someone can prepare and assign a loan to themselves anyways, but this simply brings into question how Selene can have a legitimate role in the loan at this point. 

Now I'll tell you why this was done. The mortgage 'players ' have figured out how to exploit the court 's frustration with foreclosure proceedings and the players realize that if they create separation from things like that bad assignment and servicing issues like not processing insurance, that the courts don't want to look back like that, they want the 'here and now ' only and not explore why someone would stop paying, only the if and once controversy in servicing occurs, they pass the loan onto to someone else to appear in court that everything is nice and orderly ... This is why the loan went to XXXX, then I think to someone else, now to Selene which it's all hard to keep track of which is precisely their point and reason for such transfers. 

So again, the basis of this complaint has NOTHING to do with the most recent assignments, it has to do with Selene not being able to provide initial XXXX  XXXX XXXX servicing documents which then brings into scrutiny all of the assignments and the current ownership and servicing ... 

I should add that every bit of this is extensively documented so just let me know which documents would prefer as I have thousands of pages of documents ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in a debt rehabilitation program after my student loans had gone into deferment. While I was completing the program, there were multiple reports submitted that the accounts were delinquent. When I inquired with the company, they said it would look this way and be reported as delinquent until I completed the program. They informed me once I completed, I would have a new company servicing repayment, and that the delinquent accounts would no longer be reported as such, and all the reported delinquencies would be changed and no longer negatively impact my credit score. I completed the program in XX/XX/XXXX, I was rolled over to a new loan services and have been with them ever since making payments on all my loans. The company informed me they would make changes to my credit report in 45 days. In XX/XX/XXXX, I followed up with the company and they said it should be processed at anytime, just keep waiting. In XX/XX/XXXX, they still had not made the changes to my credit report regarding the rehabilitated debt and that I was in good standing. When I called and requested for it to be done a third time, they said it would be expedited and submitted in two weeks. It is now the middle of XX/XX/XXXX and there has been no adjustments made.
Product: Credit reporting, credit repair services, 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  There are 16 inquiries on my report that were either fraudulent or part of trans unions inquiry problem, Customer service would not help me and I am in the process of trying to buy a home. These should not be on my report and need to be removed
Product: Credit card or prepaid card

XX/XX/XXXX CARD WAS TO BE OPENED IN MY NAME AND SENT TO ME AS A PROMOTION FOR PAYING OFF A DEBT WITH JEFFERSON CAPITAL LLC. 

I PAID OFF THE DEBT IN RECORD TIME AND SINCE THIS TIME I HAVE NEVER ACTUALLY HELD THIS CARD IN MY NAME. 

THEY HAVE BEEN SENDING ME DEMAND FOR PAYMENTS FOR MONTHS YET THEY ARE NOT EVEN CORRECTLY OR INCORRECTLY REPORTING THIS CARD ON MY CREDIT REPORT. 

I HAVE FILED REPORT AFTER REPORT OF THIS ACCOUNT NEVER BEING IN MY POSSESSION AND THEY REFUSE TO HELP
Product: Debt collection

Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized and inaccurate reporting to my consumer report after being notified multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who

m It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Debt collection

The XXXX debt was removed and resolved from my credit report. The company will send it to different credit agencies and affects my credit report. It is removed each time however it keeps dropping my score everytime the send it to another agency. It has been going on for over a year now. I just received another letter from another agency from XXXX and I feel like I'm being harassed. This last agency is Convergent with date of XX/XX/2021. I didn't save the other ones because they were resolve but this is becoming to much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX  have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX not mine
Product: Student loan

In the year XXXX I obtained student loan from the company EdAid ( XXXX ) for XXXX XXXX XXXX XXXX which I've been paying the loan of {$490.00} every month even though the school didnt fulfill their initial promises. This year in XXXX I stated having financial issues which I immediately reach out to them that they should spare me some few months to search another job but to my surprise this company didnt show any compassion. They went ahead and take the money cause me overdraft in the month of XXXX which I complain to them again. In the month of XXXX and XXXX they the same thing cause me overdraft, as well. They ask me for the termination letter but I told them that I'm an XXXX XXXX XXXX XXXX for XXXX XXXX  company. They deactivated my account instead of termination letter. I screenshot the deactivated account and did a breakdown of my monthly expenses, and I explained to them that I do not get any assistance from the government as well. This company is adding to my frustration. They let the my bank charging me overdraft in left my checking account in negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE.

USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/year> I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my consumer rights and I am preparing to sue. 

Account : XXXXXXXX XXXXl XXXX I spoke with a representative from XXXX and they had agreed this account is to be removed from my report. Experian says this is resolved, it IS NOT and that is a Direct Violation against my rights and I can and will sue. 

Last Verified Date -- Does NOT match XXXX or XXXX Date of Last Activity -- Does NOT match XXXX or XXXX! 
Date Reported -- Does NOT match XXXX or XXXX! 
Closed Date -- Does NOT match XXXX or XXXX! 
Account Rating -- Does NOT match XXXX or XXXX! 
Last payment Date -- Does NOT match XXXX or XXXX! 
Payment Frequency -- Does Not match XXXX XXXX XXXX! 
Late Payment Dates -- Does NOT match XXXX or XXXX! 

Each violation can carry a {$1000.00} fine against Experian, not including court costs, lawyers fees and my costs of research and time of disputes. Total costs could exceed {$20000.00} in fines against Experian for this account alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

just checking my credit report and noticed accounts and inquiries that doesnt belong to me
Product: Debt collection

So the Debt Collector Resurgent Capital Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC, XXXX has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under XXXX, XXXX. This dispute was opened on XXXX by the better business bureau and still XXXX, XXXX. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ( XXXX XXXX XXXX ). 
1. This debt was added to a credit report without being verified. Incompliance with FDCPA 1692e 1692f and if it has provide official written proof in detail. 
2. This debt has still yet to be verified with consumer as of XXXX/XXXX/XXXX XXXX. Upon dispute from the BBB the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against XXXX. Have failed to mail any documentation to the consumer regarding the debt 5. I demand that this be removed from my credit report for the above violations. If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from XXXX XXXX, XXXX. 

I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.
Product: Debt collection

I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc . 

I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt. 

I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account. 

I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I started a new complaint to clarify. It's OK to close my other open complaint. As things evolved, they became more clear. 

I was denied an affordable apartment due to inaccuracies in my credit report. My complaint is against Transunion. They have multiple errors still on the report, long after the 30 days. For example. my XXXX credit card was paid in full on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, it is still showing a balance. Also, the write-off amount is incorrect. It's a settled, paid-in-full account. Also, my XXXX account is still showing a balance after 30 days. I had to dispute other information from XXXX and XXXX that was also inaccurate and/or slow in updating the information. My score is up significantly after I " won '' these disputes. However, XXXX and XXXX are still reporting incorrectly, long after 30 days ( over XXXX months in XXXX 's case ). 

Transunion has been extremely slow in updating negative information. The other credit reports have been updated, yet Transunion is still showing balances and inaccuracies. These inaccuracies contributed to my affordable apartment being denied, which created irreparable harm.
Product: Credit reporting

This is not a duplicate, I 'm asking for Experian to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as you seem to think I asked.
Product: Payday loan, title loan, personal loan, or advance loan

RE : Westlake Portfolio Management Servicing/ XXXX  According to the contract with the above referenced, I financed {$2300.00} at 25 payments of {$99.00} per month. 
I have made 33 payments of {$99.00} = {$3200.00} a difference of {$900.00} ( overpaid ). 

I contacted the company on XX/XX/2023 and was informed that my account had been closed for nonpayment and I have a balance due of {$120.00}. I asked how this could be since payments are automatically withdrawn from my bank account. The representative stated that he did have the details and that I needed to pay the {$120.00}.
Product: Checking or savings account

My account was compromised and funds were taking from my account unauthorized
Product: Checking or savings account

Citibank has a promotion for opening a checking and saving account combination - open both types of accounts, fund them with {$15000.00} and keep that balance for 60+ days and within 90 days after that your checking account gets credited with {$400.00} promo bonus. 
My accounts were funded on XX/XX/2018, promotion condition was met on XX/XX/2018 and I was told by Citibank that on XX/XX/2018 my account should be credited with {$400.00}. 
On XX/XX/2018 I opened a customer service case with the bank, but they have been non-responsive and slow in resolving this. I was promised that it would be resolved " for sure '' by XX/XX/2018, and then I got the same run-around when I called.