23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, Sequium Asset Solutions , LLC reported to the XXXX credit bureau that I had an account in collections in the amount of {$9400.00}. However, I had no knowledge of this account, had never been contacted by Sequium Asset Solutions , LLC, and was not responsible for this debt. I promptly disputed this with XXXX, and it was removed from my credit report XXXX  days later ( XX/XX/XXXX ). Fast forward to today, XX/XX/XXXX - XXXX now have a notification from the XXXX credit bureau that Sequium Asset Solutions , LLC has once again reported the same collections account, this time to a different credit bureau. However, I still have no knowledge of this account, have NEVER been contacted by Sequium Asset Solutions , LLC, and am not responsible for this debt. This account is fraudulent, has successfully been disputed, and yet Sequium Asset Solutions , LLC continues to harass me via punitive measures to report this account to the various credit bureaus. This behavior is unacceptable and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquries were requested to be deleted XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like all addresses listed on my consumer report that do not match those on my official identification documents removed. These incorrect addresses are not associated with me, and I have never resided at or been connected to these locations
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b )XXXX 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair  Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureaus and USAA, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX  and XXXX credit reports. USAA and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. USAA and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. USAA and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX and XXXX  credit reports. 

Additionally, USAA and XXXX  are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX  credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my USAA pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX  and XXXX  credit reports.
Product: Mortgage

On XX/XX/2020, I attempted to refinance my existing mortgage and loan with PennyMac USA. They have been terrible lenders and from day one are not consistent with the information they provide and for over the past 8-months have continued to give me the run-around in spite of all the documentation I have provided.

Today, after 8-months they declined my loan without justification and the worst part is they're not willing to even provide me with a courtesy call or an explanation as to why it was declined since in mid XXXX my loan representative XXXX XXXX forwarded me an email that my loan was approved pending copies copies of my most current payroll check and a copy of a bill for verification of address. I provided the information without a doubt. The response they listed on the decline notice simply states " nonowner occupied '' which is untrue. Now, they removed me from their system and I can't get through over the phone to anyone, Also, they collected 2-costly appraisal fees from me totaling close to {$1000.00} which I'm out of pocket for. My property has a value of 50 % loan to value. PENNYMAC has unethical practices and should be looked at for their lack of customer services especially when I've had my loan with them for over 4 years and I have exceptional credit.
Product: Consumer Loan

I purchased a XX/XX/XXXX Nissan Sentra in XX/XX/XXXX for XXXX dollars. My down payment was {$1500.00}. My payment was XXXX. My car was totaled in XXXX XXXX. I paid {$8400.00}. I still owed XXXX. The interest rate is ridiculous.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX XXXX My Mortgage company is PHH Mortgage services. My account number XXXX I purchased my house in XX/XX/XXXX. I have had a payment of XXXX for the entire duration of the note until XX/XX/XXXX. I made the mistake of not paying my property taxes on time, The mortgage company Claimed they received a letter and paid it for me, while opening a Escrow Account. I had never had an escrow Account and Did not desire one. I paid my taxes and insurance out of my pocket direct every year prior. I called Phh in XXXX and asked what I needed to do to delete my ecrow account. I was informed that I owed them {$5000.00} and was told to pay before XXXX. I Paid {$5000.00} to them on XXXX and was informed I also owed an additional {$1100.00} for this months payment and fees. I had already made 2 payments in XXXX one on XXXX for {$780.00} and one on XXXX for {$790.00}. I was told everything was taken care of and my payments would return to normal. I called on XXXX to make my next payment and was told they had already paid my next years taxes and opened another escrow account, they refused to reverse it and told me my new payment were XXXX. I would like to refinance my house and was in the process when I was told that there was not a payment made for XXXX. For them doing this it put the first in 14 years over 30 days late on my account which made me have to cancel my refinance and caused my payment to almost triple. I have made many phone calls that were all longer than 2 hours talking to customer service, escrow service, and refinance service, while always asking to speak to a manager. I was told every time, there is nothing they are willing to do, and they have given me no other course of action but to lodge a complaint and hope someone can help me, so I may refinance and get my payments at least back to normal.
Product: Debt collection

Portfolio Recovery Associates , LLC is well known for repeatedly violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They have amassed over XXXX complaints with the Consumer Financial Protection Bureau ( CFPB ) in the last XXXX years and more than XXXX complaints reported in the last 12 months. 


Despite my request for validation pursuant to the FCRA, Portfolio Recovery Associates , LLC has failed to provide any response. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, Portfolio Recovery Associates , LLC is prohibited from reporting on my credit profile while the account is in dispute without including a notice of the dispute. Nevertheless, Portfolio Recovery Associates , LLC continues to report inaccurately, which is severely impacting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting 3 accounts in a NEGATIVE status that I filed Chapter XXXX Bankruptcy on. These debts were discharged in my bankruptcy. These 3 NEGATIVE accounts have caused me to have a LOW credit score. 
The accounts are : XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN 2015. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF XXXX  HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying a credit monitoring of my report to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are such an error on my file that needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX and Security Credit Services for their continued harassment regarding an alleged debt that is beyond the statute of limitations and after/ they have been formally notified to cease and desist all communications. 

On XX/XX/year>, I sent a certified cease and desist letter to XXXX XXXX XXXX and Security Credit Services, clearly stating that they are to stop all contact with me regarding this matter. Despite this, I have continued to receive phone calls, letters, and other forms of communication from the agency. 

Furthermore, the debt they are attempting to collect is time-barred under the applicable statute of limitations. XXXX XXXX XXXX and Security Credit Services are knowingly and willfully attempting to collect on a debt that they are legally barred from pursuing. 

Their continued actions are not only a violation of the Fair Debt Collection Practices Act ( FDCPA ), but they have also caused me considerable stress and XXXX. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX XXXX XXXX an

d Security Credit Services, for their unlawful and unethical practices. Also in Georgia, the statute of limitations fo
r filing a lawsuit to collect credit card debt is six years from the date of default. The statute of limitations begins when the account is " charged-off '' due to missed payment, which can be identified on credit card statements. However, the statute of limitations can be extended or renewed by certain actions, such as : making payments, promising to pay the debt, entering a payment agreement, and making a charge using the account. 

Please find attached copies of the cease and desist letter and any other relevant documentation. I appreciate your immediate attention to this matter and look forward to your response.
Product: Debt collection

After receiving calls from Midland Credit Management from multiple numbers ( XXXX, XXXX, XXXX ) and no voicemails left by these numbers, I searched the numbers on XXXX. I went to the company 's website from XXXX to look up my account via name and last 4 of my SSN because I didn't have an account number. No account was found, so I then emailed via the company website to stop calling on/around XX/XX/XXXX. I emailed again on XX/XX/XXXX after receiving a call from XXXX. On XX/XX/XXXX, I received a call at XXXX XXXX  ( CST ) from XXXX. On XX/XX/XXXX, I received a call again from that number at XXXX XXXX  ( CST ). I received calls on XX/XX/XXXX ( XXXX ), XXXX ( XXXX ).
Product: Credit reporting

US Dept ED Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently look at my credit report and I noticed Inaccurate Information on my credit profile.
Product: Credit reporting or other personal consumer reports

Im not liable with this debt with XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not have a contract with this collection agencies. They did not provide me with the original contract as requested. 

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 has violated my rights. 


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.
Product: Credit card or prepaid card

had damaged card. ordered new card over phone. no direct assistant attendant available to speak with. happens to me quite often.. especially during an emergency situation. i, order new replacement debit card and recording identifies my address by asking if my XXXX XXXX XXXX is XXXX if i pay {$13.00}, i can receive my new card in 2 days. i agree, and never receive my card. payments need to be paid or late charges accure. card never shows up, because not allowed to express delivery card to any po box . i learned this after nearly two weeks waiting for my card and having nearly no answer by direct express .com banking system to respond 24/7 days a week. no, fuel for transpo to court hearings, many important payments and im expected to always eat the charges? well now i have a new card, worked for a week. and now card is frozen for any further activity.. it cost me {$13.00} for a week of activity.. and i call day and night all hours and no answer, but once and been told my account is with fraud department. so they transfer me and no answer, while waiting for an hour.. no, call back, and still no answer..can you contact them and release the freeze on my card, so i can be able to use it and most likely move to anther bank. card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. thank you most appreciated. and if possible, i would like both card payments returned along with {$500.00} dollars in fees of late charges and punitive damages. thank you once again.
Product: Student loan

I stopped making payments in XXXX of 2022. Since XXXX of 2022 they have been calling me for my payment. I have told them multiple times that student loans are on pause and I will not pay them until the pause is finished. Navient tells me that my loans aren't on pause and I need to pay. I checked and my student loans are Federal loans so I should be good. When I tell them this they stop calling me for two or three days, but then they start calling me again.
Product: Mortgage

in XXXX we ask bank of america to refinance our loan to get a lower mortgage payment banker by the name XXXX XXXX at bank of america was helping us got the mortgage down and bank of america dismissed him so i kept calling and calling till finally time went by and i became behind on my mortgage XXXX years total XXXX dollars no way we could catch that up if someone would have answered my call this would have not happened we filled bankruptcy in XXXX for this house there was no way we could get that kind of money the bankruptcy cleared the dept of this house was granted nothing but mortgage statements was sent to me from that point on i thought how are we going to pay that then they sent a loan modification we been paying for XXXX years i think its wrong the bankruptcy cleared us now were paying more than the dept we was cleared for that 's not fair bank of america knew the dept was cleared we did n't know we were bamboozled bank of america never sent anything pretaining to this house far as to leave or turn the house over to them we would have turned it over we did'n know the attorney said the house and dept was cleared we were not responsible. The payments were not recorded to the credit bureau either XXXX years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  I Account Number : XXXX Balance : {$750.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt with XXXX to solve this situation XXXX are reporting inaccurate late payments and incomplete credit information. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information .The following information therefore needs to be investigate immediately PENTAGON FEDERAL CR UN XXXX I respectfully request for the 3rd time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last two years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, to be provided within ( 15 ) days of the completion of your investigation.