23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a notice from Sequium Asset Solutions , LLC on XX/XX/2021. This notice stated that I owed {$59.00} to XXXX XXXX. I have called the company stating that I no longer have an account with spectrum because when I purchased their services, the person who was setting up the Wi-Fi, threw a modem box at my father and upon hearing what had happened, I canceled my service and stated that I will not be paying for their services. I thought that XXXX would understand and told me that I would not have to pay anything and remove the equipment from my home on XX/XX/2021. I spoke with Sequium Asset Solutions today on XX/XX/2021 and they said that I had all them {$59.00} and say that they would add a notation to the account whoever stated that they would not be willing to forgive the {$59.00} after I told them what had happened. After that call, I contacted spectrum and they say that I do not have a balance and gave me a ticket number. The ticket number is XXXX. During the call with Sequium Asset Solutions, the customer service representative told me that they can not let me know if this would affect my credit report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting inaccurate information on my credit profile and doesn't have the right to.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2023, I was at work and I received a text at around XXXXXXXX XXXX  from Chase Bank stating that I had added a person by the name of XXXX to my XXXX recipients. I did not add that myself. Somehow somebody either hacked my email or my cell phone and added themselves. I immediately logged into my online banking and noticed that my account was being deducted in small transactions. After noticing that the transactions were not stopping I attempted to call Chase and freeze my account, I was on hold, so I hopped into my work van and raced to my local branch, luckily it was close. I arrived at the Chase Bank and immediately flagged down a banker and had my account Frozen. Not before there was {$3000.00} stolen from my account. If I had not raced the bank I believe that my entire account would have been completely drained. There were a total of 21 transactions ranging from between XXXX and {$190.00} that we're all deducted from my XXXX in a matter of less than 30 minutes, none of which I made myself. After filing a fraud claim with Chase, my claim was denied, Chase stated that all the transactions came from my device which is absolutely not true.
Product: Student loan

I re-applied for Income Driven Repayment ( ICR ) in early XXXX with my wife who also has a similar amount of student loan debt. We are both XXXX and both went to XXXX XXXX. She received her ICR re-calculation a few days later and it was what we were anticipating it would be, and more importantly, it was something we knew we could afford. When I received mine, it was double the amount of hers and way out of the range of what we were anticipating or budgeting for. She guessed it was because they forgot to include her student loans in the calculation. Instead of approximately {$500.00} per month, the payments were {$910.00}. 

We called XXXX XXXX XXXX to inquire on XX/XX/2019. We talked to someone and right away he said " oh yes, sorry about that. XXXX XXXX XXXX   did actually calculate it incorrectly. We did not take her debt into consideration. We will place you on an administrative forbearance while we re-calculate. Look for that in the next week or two. '' We were happy because we could not afford the {$910.00} this month or any month. 

Two weeks later, we still hadn't heard anything from XXXX XXXX XXXX. The {$910.00} was still showing as due and the ICR had not been re-calculated.

We called back ( which took TWO HOURS to get someone on the phone ) on XX/XX/XXXX. When we finally got someone on the phone, the woman pulled up the account and she saw the ICR request. She said and I am quoting " oh it's our fault, that never got properly submitted. I can see the request but it just did not get submitted internally. '' We were frustrated, but she assured us that she as expediting it. She submitted the ICR and told us she would place the current account amount due of {$910.00} on an administrative forebearance as it was due on XX/XX/XXXX and since it was their fault, she could get that done. 

Now it is XX/XX/XXXX and the amount is show as PAST DUE by 8 days because no one at Fed Loan Servicing has done what they said they would do. We have contacted them via email to let them know this was going on ( XX/XX/XXXX ) but we did not receive a response within 48 hours as promised. I can not spend two hours on the phone again trying to get this figured out with them. They need to fix it like they said they would. I have no faith in them as a loan servicer ( this is not the first time they have screwed up my ICR - it literally happens every year ). 

I need them to get the {$910.00} that is past due out of the queue like they said they would do originally a month ago. In addition, everything has been accruing interest which also needs to be taken off of what I will owe. This is predatory lending. If they do a poor job and make customer service unavailable to me, they win because they are owed more money. I expect more from my loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian SOLD our information to a BUNCH of mortgage companies and we are now getting an average of XXXX calls a day from very early in the morning to late at night XXXX days a week! We are on a DO NOT CALL LIST and they ignore that. It is XXXX as we are NOT refinancing our mortgage, but SELLING our home. To day alone I got XXXX calls from the SAME company " XXXXXXXX XXXX XXXXXXXX '' and all quoted Experian as their source.
Product: Credit card or prepaid card

I opened an account with One Main Financial several years ago, One main merged with other companies transferred their account several times. One Main, opened serveral accounts in my name but failed to transfer auto draft after serveral disrupts One main  close all account except one but refuse to remove all the late and deliquent reports on my credit. My current open account number # XXXX, I have contact One Main several times and no one was able to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

We want to add documents as evidence in the inaccuracies and incorrect addresses. 
COMPLAINT ID XXXX To Transunion Credit Report
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my XXXX, XXXX, and Equifax files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information. 
Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy. 
Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint. 
Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute was submitted to XXXX, XXXX and Equifax concerning the false and malious reporting of an account to my credit profile. The account from XXXX XXXX XXXX is false and misleading i have no knowledge of this company nor have i ever been in business with the company listed above. The company is reporting false information to my credit report of which i would like any and all information and accounts associated with the Company XXXX removed from all major reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to request my free credit report from Equifax online at annualcreditreport.com. I got a message that it couldn't be provided online and to call them. As you can see by the attachment, the message didn't include a phone number where I was supposed to call. I reported the problem a week or two ago and received a response thanking me for reporting the problem and including a credit report request form. I don't want to put such sensitive PII in the mail, so I tried the online process again today and the problem has not been fixed. The credit report request form included a phone number, which I called to request my report through the automated phone system.
Product: Debt collection

I never received any letter from the company in regards to this debt. I never receive any documentations, contract, or my signature on anything showing that I owe this debt. I have only receive emails and phone calls about this account or statements showing what the company say I owe in email attachment. Also with the phone calls and emails no one at National Credit Management disclosed I did not have to do business with them. Only that I need to pay the account in full or set up payment plans. I have asked multiple times for them to send documentation about this loan and was told I didnt need anything else other than I owe XXXX XXXX  University money! 

I was never informed that I am NOT required to do business with the company under the ( Contract Law ). Which is illegal. I feel like the company extorted/extorting me to make payments without any proof of this debt. 
Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account They have not indicated that I have ever made any payments on this loan they claim I owe. 

I tried multiple times to solve this issue and was ignored or giving false information. They refuse to remove the remarks off my credit report. 

XXXX XXXX.
Product: Debt or credit management

Would like XXXX XXXXr to XXXX build my credit all the way Up
Product: Mortgage

XXXX   XXXX  - Rescinding Offer/cancelling refi loan due to negligence of the Lender. Multiple laws broken/mortgage fraud/lender overriding successor/spouse of community property for spouse, falsifying documents, pushing closing/notarizing through despite requests for cancellation of loan multiple times by both borrower and spouse/No attempt to verify and confirm documentation, contact, basic knowledge, loan details, or aggreeance of spouse and successor of interest of community property/ Multiple incorrect and false documents. Homestead declaration documented incorrectly as waived when it should, would, and will be declared homestead if lenders legally abided by CA state laws,  XXXX  guidelines and orders, the laws and rules of the FDIC, let alone the ones that are on the documents that you push and fast track borrowers to sign illegally. Also very important is how the EPA you came to is completely incorrect, false, and not agreed upon with Lender ( that was informed twice by m e ) and spouse/successor.   XXXX   XXXX  which I contacted twice on  XX/XX/17   . Spoke with her and told her briefly of our legal situation and that I just found the documents to the loan on my home because my lender nor husband informed me of the loan details ; on my and our childs own home due to the borrower on title and lender coinciding. She stated, " I understand and did n't know, we will cancel and void the loan. '' As well as making contact with another employee of Mortgage Freedom just to be safe and she said she will red flag and cancel the loan, and stated, " I do n't know how it got this far! It just needs to be notorized ''. Despite me just finding an electronic copy of the finalized version of the revised loan offer on  X/XX/17    because the lender or spouse never notified or sent documents for me to review, no access to your secured document site to view what was going on with my property, knowing my spouse was planning on getting it notorized behind my back, and speaking to two different representatives..
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX Other Last Names : Bell Date of Birth : XXXX XXXX  SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$850.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
Collection account from XXXX XXXX XXXX  with account XXXX XXXXXXXX and a balance of {$3XXXX The original creditor is  XXXX XXXX XXXX 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this account immediately. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$810.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Note This is NOT a duplicate complaint I provided the sane information to Consumer Financial Protection Bureau and to XXXX as I have to the credit reporting agencies ; all three. XXXX said none of the credit reporting agencies reached out to them or they wouldve investigated further. This has finally been resolved and after XXXX reviewed all of my documentation and investigated further, they determined that what is on my report is a fraud account ; identity theft. They watch me through the process of filing an identity theft report with FTC. That was done XX/XX/XXXX. They informed me that they sent notification to all of the credit reporting agencies to remove XXXX off of my reports. In speaking with the credit reporting agencies, especially Equifax, Im hearing that theyve done enough investigation and disputes will not do any further although new information has been sent to them by the credit reporting agencies.
Product: Prepaid card

Direct Express allowed someone to call them personally and change my address and pin and gave them a new card for my XXXX payments over XXXX week. That person received the new card and withdrew all of my funds on XXXX XXXX, XXXX  ( {$1100.00} ) from an ATM. I was told if I wanted to expedite an investigation I would need to write and email a letter stating the facts in which I did on XXXX XXXX, XXXX  in which they received then by XXXX XXXX, XXXX  I was told by Direct Express fraud department that an investigator has NOT been assigned to my case, and I needed to wait, and I was also told that I wasn't any one special and I needed to wait 45-90 days for any response while my creditors are not as understanding, I'm at risk of getting services turned off and failures to pay. I live solely on my XXXX payments every month and they do not care.
Product: Debt collection

On XX/XX/XXXX my husband opened a debt collections letter from I.Q. Data International , INC. address only to him. This was dated on XX/XX/XXXX with no post day on the envelope. The following business day XX/XX/XXXX I immediately called to dispute the debt and to clarify what steps would be needed. The letter stated that to call or write by XXXX to dispute the debt or any information that was not correct. The letter also did not clarify the original creditor and was only identify the name of the building. This debt is from unpaid cleaning and move out costs from the property management company that needs to be verified, not the name of the building. The associate, XXXX told me that the date on the letter did not mean anything and threaten that after this phone call he would go right to his manager and send this to unpaid accounts that would effect my credit score.

We sent in our dispute letter that clarified the dates that I received this notice, however, I still NEVER directly received any notice of unpaid debts, or that this was in collections. We sent in a written letter as well expedited to signature verify by the date on the notice of XXXX. Since this letter was not received with no postage mark on when it was sent, we asked the 30 days from the time I called in to immediately resolve. 

They sent this to the credit bureau that now negatively impacts my credit rating as well as my husbands. I have additionally filed disputes with the credit bureau and have been in constant communication with both property management companies to resolve this original creditor. Both management companies now do not have record of any open outstanding accounts. I respectively would like this to be reversed from my credit so I can resolve whatever outstanding payments are needing. 

Furthermore, I have emails from almost 2 years ago from the property management company that billed our account incorrectly and admitted to the wrong doing offered a negotiated priced. The account the debt collections is billing for is the full amount and not negotiated amount, probably due to the fact the management company has has multiple turnover and can not keep accurate records of billing. They have told us there is no open account at this time which I'm continually looking into.
Product: Debt collection

Spring Oaks Capital has been attempting to collect a debt that is not owed. I have never given any authorization and or consent to the alleged amount owed or the reporting of this amount. Furthermore, THIS COMPANY IS NOT AUTHORIZED to conduct business in any state that I, the consumer, has resided, or currently resides. ( XXXX XXXX XXXX XXXX ). I am perplexed on how this company continues to harm my personal credit with derogatory data entries for a debt never owed to them, and a debt that even the original creditor reports as {$0.00}. This has been an ongoing matter and Spring Oaks continues to display its disregard for federal laws placed to protect the consumer as well as the functionality of commerce as a whole. This company has caused great harm and distress and does not even have the lawful authority to do so.