23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new home and my credit report showed a collection from a company I never had services with. I disputed the charges with the credit bureau ( report # XXXX ), the collection agency and the company involved ( incident # XXXX ) in the fraudulent charges. The name of the collection agency is SEQUIUM ASSET SOLUTIONS. The name of the company is XXXX XXXX. The account number associated with the fraudulent charges/account is XXXX. The address used for the fraudulent charges is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The charges show on the credit report as being opened on XX/XX/2023. I need these fraudulent charges from identity theft removed immediately as this is affecting my ability to purchase a new home. I worked hard to get my credit score to over XXXX and now my credit score is around XXXX and continues to decrease with each report of these fraudulent charges. The credit bureau responded to my dispute saying the charges were verified as accurate. This is not accurate so I re-disputed the charges again with the credit bureau who states they have turned this over to their fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

I have previously submitted a complaint to XXXX about Fifth Third Bank. I originally had an escrow evaluation with a lot of incorrect information including projected city tax payments to a city that I do not live in. These incorrect items, and some legitimate increases caused my mortgage to increase by almost {$600.00}. We tried to get the bank to re-evaluate our escrow statement without including this projected payment to a town that we do not live in. Since this projected payment came during the month of XX/XX/XXXX ( the month after they did their evaluation of escrow ) it showed as a projected amount that we would be paying and therefore took the amount out of our cushion. I have repeatedly asked representatives from Fifth Thirds Bank to provide me with documents that clearly show that there is no payment or projected payment coming out of my escrow account. They have continued to provide me contradicting information and statements. They have provided an account statement that shows our account is projected to pay the town of XXXX in XX/XX/XXXX, but then they tell me that it is not debiting my account and send my a spreadsheet that shows the money has not been deducted. I asked for them to rerun the escrow analysis once the month of XX/XX/XXXX had expired so that our account would no longer be projected to lose the {$1200.00} to a city tax that I do not live in. I am not sure if they can not truly understand what I am explaining or if they are just trying to act like the do not understand. They have told me that they can not rerun the escrow analysis since it was rerun in XX/XX/XXXX. This needs to be rerun, because when they projected XX/XX/XXXX, they would have projected my account to be {$1200.00} short since it was showing as a projected payment on the escrow analysis. I have spoken with multiple representatives from Fifth Third Bank, and all but XXXX have been rude, yelled at me, and spoken down to me. I am thoroughly displeased with the service that I have received and the lack of cooperation that I have been shown. I had to file the first complaint just to get them to look at the original complaint that showed me paying 2 mortgage insurances on top of the extra city tax to a city that I do not live in. I will attach the last escrow statement that clearly shows a projected payment to the town of XXXX even though there are 4 previous quarterly payments to the XXXX XXXX XXXX. The account statement that I have been provided shows that we have paid 4 quarterly tax payments to the XXXX XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX. My projections for next year show that we are projected to pay the XXXX XXXX XXXX 4 quarterly payments as well, so this would clearly be a 5th payment that we are not responsible for. I am being told to just ignore what is documented in the account statement. I believe that this is a tactic that Fifth Thirds could possibly be using on large numbers of other mortgage holders at their bank in an attempt to collect money off of interest. I would believe that this practice would be at the very least looked at as unethical, and worse case could be illegal.
Product: Credit reporting or other personal consumer reports

I do a yearly credit report from the three main reporting agencies ( XXXX, XXXX, and Trans Union ) and come to find out, they have allowed third party companies to report on my name with me having know knowledge of any agreement with them, also their have been a data breach that may have compromise my personal information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by paypal Credit/synchrony bank XXXX I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraudXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX, XXXX  Inquiry Date XX/XX/XXXX and XXXXXXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX
Product: Debt collection

I received a alert from my credit card credit score that Credit Resolutions LLC had put a blemish on my account XX/XX/XXXX for {$120.00}. I never received a letter or call from them so i couldn't have had my 30 days to reply.. They put a blemish on my credit score account. I called and talk to XXXX ( @ Credit Resolutions , LLC ) she tells me it's from XX/XX/XXXX from XXXX XXXX Dental XXXX XXXX XXXX. Ask for a copy of the so called bill but she said can't give it to me?. I called XXXX XXXX dental talk to XXXX XXXX they sent me a copy of receipt with XXXX balance but still insist i still owe, ..Now my credit score has a blemish on it and still owe {$120.00}. dollars. Need help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX {$190.00}.
Product: Credit card or prepaid card

XX/XX/2022 A letter from Comenity Capital Bank came about a Vacation Club Credit account. I have never applied for this account and never authorized XXXX to issue a hard inquiry on my credit reports. I'm not even sure how they got my info. This is horrible business practice and FRAUD.
Product: Consumer Loan

I took out a {$3000.00} loan with avant in XXXX XXXX and my monthly payments were {$170.00} monthly. On XXXX XXXX XXXX I contacted Avant to pay off the loan and we told it WAS XXXX which I took care of with an agent by giving them permission to debit my bank account for that amount, the funds came out of my account on XXXX XXXX .I received correspondence from Avant confirming my account was paid in full and they even sent me a survey to complet to rate them on my experience. Today while balancing my checking account to I see a debit from Avant for a XXXX yes XXXX I immediately contact avant and speak with XXXX and ask her why was my account debited for a penny yes XXXX on XXXX XXXX XXXX when I paid the loan off in full on XXXX XXXX XXXX. I was told my loan was paid in full but we had to clear a penny so we debited your account again 8 days later. I am upset this is illegal, unethical and wrong and needs to be addressed, why do they still have the ability to access my account without there permission when my loan is paid in full and they have sent me communication corroborating that. The debit was done 8 days later it 's not the a out of the debit heck every penny counts but the process is wring and illegal and needs to be addressed.
Product: Student loan

In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers?
Product: Debt collection

I C System - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Product: Debt collection

XXXX XXXX stated that he will continue to call me multiple times a day if I dont pay. He also stated that he looked up my credit report and knows why I'm in collections because I dont pay my bills and im broke. 
I asked him to stop calling and he said he will continue. 
He asked if I wanted to settle and I told him no and he said why and then proceed to call me a their. 
1st call received on XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am concerned about an account now being reported on my Equifax credit file. This demand is based on the fact that Consumer Adjustment Company Incorporated has failed to validate the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a cease and desist letter to XXXX XXXX XXXX XXXX, requesting validation of the alleged debt. As of this date, they have not supplied any documents or evidence to substantiate the validity of this debt. Under the FDCPA, a debt collector must cease collection efforts until the debt has been validated. Therefore, the continued reporting of this unvalidated debt is in direct violation of federal law. 

Furthermore, it is Equifaxs responsibility to ensure the accuracy and validity of the information it furnishes in consumer credit reports. By continuing to report this unvalidated and disputed account, Equifax is failing in its duty to maintain accurate and fair credit reporting standards. The presence of this unsubstantiated collection account on my credit report has caused significant harm to my credit standing and financial well-being.
Product: Credit reporting

Hello, I was advised today that Experican continues to report innacurate information on my reports that has already been disputed as follows : 1. Account Recovery Service, Balance {$780.00}. This is not my debt and the company has failed to provide proof of debt. This has been disputed in the past. This must be removed. 
2. Online Collections, Balance {$58.00}. This was never a debt. Just received a refund check from the original creditor ( SRP ) and an apology for the error ( see attached ). This must be removed. 
3. XXXX XXXX, Balance {$290.00}. This account has been disputed several times and removed in the past. XXXX XXXX has failed to respond to the CFPB as well. This must be removed. 
4. XXXX Bank. Balance {$12000.00}. This account was late in the past but the balance and status are not correct. The account is current in payment with a lower balance. This must be updated. 

Thank you for correcting these errors.
Product: Checking or savings account

My card was charged 11 times for XXXX dollars I didn't even do they said no error on there end so ridiculous I didn't not authorize anything like that I want my money returned Also they closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructi
ons
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out the Midland Credit Management is suing me for unpaid debt. I do not know anything about this but I feel there are violating my rights. 

XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act { FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1 681 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Student loan

I received a letter, dated XX/XX/XXXX, received on XX/XX/XXXX, from Great Lakes ( XXXX XXXX XXXXXXXX XXXX XXXX ) who has been servicing my FFELP for a number of years. The letter was not marked as important on the outside of the envelope, or anything else that would indicate that it contains crucial information. Additionally, I have chosen to receive all of my account correspondence via email, so all important information should be received via email, and I have NOT received an email regarding this topic. 

The letter goes on to say that as of XX/XX/XXXX ( just 8 days after the letter was received ), my account is being transferred to XXXX XXXX XXXX and that my online account information on mygreatlakes.org will no longer be available. I have not received any communication from the new servicer regarding payment due dates, or any other communication to confirm the legitimacy and accuracy of this solitary letter. 

This strikes me as incredibly poor business practice, and a set up that could lead to missed payments, or payments sent to the old servicer ( especially in the era of automatic payments being set up ). 

It seems that for information of this importance, a minimum of 1 month should be required for communication ( especially, as my XXXX searches have taught me, that XXXX acquired Great Lakes in XX/XX/XXXX of this year, so clearly they have had more than 2 weeks of notice to inform me ). This is clearly poor customer service by both Great Lakes ( only 2 weeks notice from the date that the letter was sent ), and from XXXX ( no communication with me at all ). 

Either this is incompetence, or it is sleazy.
Product: Debt collection

XXXX claims they sent me something and I never received it. I moved and did n't know they sent anything. They expected me to pay. I will not pay this as I am not obligated to pay for something I did not receive. They sent the debt to Alliance One for payment and they are rude and they hung up on me when I told them to please stop calling me. No matter how many times they call, how many years pass, I will not pay them the XXXX $ they say is owed or anything else. Calling me is completely pointless and leads to nothing but feeling harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX breach, I 've been trying for days to request my credit report from annualcreditreport.com online. Each time, I have received a message "... can not be fulfilled online at this time, based upon the data provided. '' Today 's message included more information : " To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. '' The alternate solution was to request the information by mail. 

I did NOT want this private information delivered by mail because of frequent Post Office misdeliveries. So, I called the phone number provided and gave the exact information that I 'd given previously to get it online : Name, address, ss # and DOB. Given a choice of the three companies, I chose TransUnion. I assumed the next step would be for me to talk to a person and provide additional information to verify who I am. 

Instead, the auto-call abruptly ended with a message that my credit report would be mailed to my home in a few weeks! I am so upset that security is so lax with my personal information, and that I had no choice to opt out of them mailing it to me. I fully expected that whatever the glitch they detected in filing online would be resolved by the phone call and I would immediately receive the report by email. 

In addition to being one of those whose information was compromised according to XXXX, my detailed information is now being sent by snail mail, without the benefit of challenge questions. It 's irresponsible!