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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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: Debt collection

Sequium Asset Solutions. LLC Inc. at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Sequium Asset Solutions. LLC Inc. is a debt collector. Sequium Asset Solutions. LLC Inc. previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Sequium Asset Solutions. LLC Inc. or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX failed to provide the consumer with FULL disclosure at the initial agreement and or signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.
Product: Debt collection

This is violating FDCPA, FCRA, and Consumer protection Laws in connect with Accounts not Authorized, Verified and/or not accounts with no contractual agreements to this company. This Company is also in violation of COPYRIGHTED name and/or likeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, XXXX XXXX sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as experian. XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX Closed account that was removed through dispute was then put back into XXXX. 


Also XXXX XXXX does not accurately report as does not transunion nor experian My credit reports differently on all 3 bureaus
Product: Debt collection

Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) This company is harassing me my family and friends and my employer, in relation to alleged debts. 
I sent a Cease and Desist letter to this company for their alleged collection attempts but they continue, I want immediately file a complaint. This company need to stop with this harassment practice in violation of the FDCPA and the Consumer protection laws.
Product: Debt collection

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX LAST 4 SOCIAL : XXXX CREDIT BUREAU NAME : Experian CREDIT BUREAU To Whom It May Concern : I've found multiple inaccuracies and I'm aware that your job is to ensure the accuracy of my credit report. 
ACCOUNT NAME : XXXX ACCOUNT # : XXXX Why is it that this account is reporting two different Dates of last activity? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes.
Product: Debt collection

I sent a letter to verify the debt, as I had insurance and paid the provider so I needed to see why I was in collections. The company responded by sending me not just the amount and date but an itemized statement including medications which is a COMPLETE violation of HIPPA. To know that this company was reporting me for a debt I thought was paid was upsetting and then to find out that they have access to so much personal medical information should not be legal
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report shows XXXX XXXX with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via XXXX XXXX XXXX here in XXXX XXXX XXXX. While in mediation, XXXX XXXX purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. XXXX knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with XXXX. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. XXXX had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both XXXX and TransUnion and mailed certified mail with return receipt. I just received a ruling from TransUnion that XXXX again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.
Product: Student loan

I live on social security. I defaulted on loans I took out to pay for my childrens ' college expenses.Since I am in default the Education Dept. is taking $ XXXX monthly from my SS amount. Now a company called fms, a XXXX company has been hounding me for the same debt. How can this happen when I am already paying on this debt?
Product: Debt collection

They have been calling more than 8 times A-day every day nonstop. My daughter was made fun of for her XXXX she has no money she is unable to work and is waiting to be approved for XXXX the company will not work with her and continued to harass myself and her and keep telling us both lies they told her if she made a payment that it would push everything back for 30 days and be fine then 5 days later they called me told me the loan Would be summat sent to litigation and collections and demanded money for me that I don't have even though they told her something completely different and continue to lie to us and you anything in their power to get the money from us that we don't have even know we keep calling them trying to work with them they just keep telling us lie after lie and scamming us We want the harassing phone calls to stop and allies to stop we are trying to figure out a way to make everything work we have asked them to work with us they refuse to buy wish these loans could just be released They have done so many wrongful things including discrimination lying harassment, Basically their lies are just trying to scare us into making payments I understand that we owe money but like I said no one has it and we've been trying to work with them and set up a plan until the XXXX has been approved by the State of New York and they don't seem to care they just keep telling us lies to scare us into whatever they see fit
Product: Credit card

All transactions with my name ssn on it from XXXX ( XXXX ) XXXX refused to mail me out all of my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U S DEPT OF EDXXXX  Account number # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX number XXXX XXXX ; U S DEPT OF EDXXXX XXXX Account number # 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 instructions 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

more than seven years.

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 reporting, credit repair services, or other personal consumer reports

I have tried to correct my information on both credit reporting agency and they are not correcting this misinformation and they just do a haphazard investigation my opinion! 

First is that XXXX card popped up again when this was included in my XXXX bankruptcy and only in that bankruptcy! I never filed after that, they should be filed big time for their false reporting! XXXX never gave me another card after that bankruptcy! 

Second is a false report of a second bankruptcy in XXXX, where do these incompetent people get their information! This is upsetting me big time! 
I have tried to repair my credit with XXXX  XXXX and was stole XXXX points due to this XXXX of incompetent reporting and lies! Now my score is back down to poor after the hard work I have tried to build up! Why even try when this XXXX is happening?? 
These people are deceptive to say the least! 
Plus my reports said I was in good standing with XXXX  and on the same date they say Im in a negative state! Totally hypocritical information and false!
Product: Credit card or prepaid card

Recently looking at my credit report, i came to find a few fraud accounts. But this one is a Best Buy credit card with a balance of {$2000.00} and a limit of {$2000.00}. My report says it was opened XXXX XXXX, 2015. I called them and they closed the account but i am in the middle of filing a fraud report because i do not know what it is.
Product: Money transfer, virtual currency, or money service

XXXX {$600.00} to wrong phone number using Wells Fargo XXXX. 
Wells Fargo refuses to refund. 

This situation is expressly addressed in Consumer Financial Protection Bureau 12 CFR Part 1005 - Electronic Fund Transfers Regulation E. 
Mistakes a remittance transfer provider is responsible for correcting include : Delivery of funds to the wrong recipient ( This is the last of five items listed )
Product: Mortgage

XXXX XXXX, 2016 Attn CFPB, I submitted a complaint regarding Bank of America 's Predatory Lending Practices on XXXX/XXXX/2016. I received a voice message from XXXX XXXX XXXX of Bank of America 's Regulatory Complaint Servicing Department at XXXX on XXXX XXXX, 2016. He left this number XXXX and Extension XXXX and asked me to call him back. He sounded very new because he did not even know his own telephone number or extension and fumbled when trying to look these up to leave the message. 
I have called this number and extension on the dates and times listed below. It is actually the number for XXXX XXXX XXXX of the bank 's Regulatory Complaint Servicing Department. I have left a voice mail each time asking for him or someone to call me back but no one has done this yet. Even though I have called multiple times the phone only goes to voice mail. 
I bring this to your attention as I believe this department may be doing some kind of sham or cover up type work. Specifically making calls to CFPB complainants at late evening hours just to paper or document that the bank tried to call and resolve the issue. The fact is they have no intention of speaking to anyone or returning any calls. 

My calls/voice mails to Bank of America 's Regulatory Complaint Servicing Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Five calls no answer. Five messages, none returned. 
Sincerely XXXX XXXX
Product: Debt collection

Due to a medical issue, I was forced to quit my job. XXXX bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for XXXX XXXX XXXX. On XXXX XXXX we received an XXXX form from XXXX, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from XXXX telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. Late XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with XXXX. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they XXXX agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client National Collegiate XXXX XXXX Trust ( XXXX ) owned the loan that was sold to them by XXXX back in XXXX. 

While there, the attorney XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently XXXX is appealing the ruling and we have another court appearance this Friday XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can XXXX sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to XXXX XXXX dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.
Product: Debt collection

They have contacted my employer multiple times daily while i am out working talking about my personal business and can cost me my job. This has been taking up the time of other reps that work for this company.
Product: Vehicle loan or lease

I spoke with multiple on the phone to figure out what steps I need to take to trade in my car. They said I needed to let the dealership I was working with take it from there, I traded in vehicle on XXXX XXXX and I had a new loan open. Done deal they were paying off low bill. Next thing you know Im getting calls saying that I never sent my payment and it was Already at the end of XXXX on the XXXX I asked dealer I purchased new vehicle with and they quickly responded they sent the check on the XXXX of XXXX. I need help to resolve this negative impact on my credit which lobel promised they would resolve before closing my account, my credit had dropped to poor levels after this incident.
Product: Checking or savings account

Well when I was with wells Fargo it's been almost a year that I haven't been with them but when we were with a banker in their cubical they said that they discovered that theres six to seven accounts in my name I only had a checking and savings in which I lost some of my XXXX back pay which the total loss I had taken is {$6400.00} I just got this money from battling and defeating XXXX can you please get me my money
Product: Checking or savings account

My XXXX XXXX ( own by Bank of America ) account XXXX has been closed by XXXX XXXX since XXXX this is XXXX and I am yet to recieve my refund check of XXXX the relationship between me and XXXX is governed by the account agreement, the account agreement has been terminated ever since my account is closed, you are to mail my refund check to my last address on file after closing my account I want my refund check
Product: Money transfer, virtual currency, or money service

I initiated a Wire Transfer at XXXX XXXX to send money to XXXX. The transaction was started on XX/XX/18 by my husband, XXXX XXXX. The money was to be sent to an account in " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with address at XXXX XXXX in XXXX, XXXX. The amount to be transferred was XXXX dollars. The transaction confirmation code was : " XXXX XXXX XXXX-USD {$9900.00}. 
The note states : Date available as XX/XX/2018 ( already a long time, 10 days, considering it is a wire transfer ) When my father did not receive the money in XXXX on XX/XX/2018 I noticed that the funds were still in my account. I called the bank and they told me : " the transfer was never even initiated '' and they don't know " what happened ''. 
I will proceed to remove all my money from the account at XXXX XXXX today. 
This is very serious, my father was expecting this money today and had financial obligations that needed to be attended immediately. Not having this money available is very detrimental to him. I am extremely upset by the inefficiency of this bank and its disregard for its customers. The worst part is that since I have a mortgage loan from this bank I MUST keep a bank account with them. This was one of the conditions of my loan. Little did I know about the extreme lack of professionalism and poor customer service. I would like to cancel my bank account with this institution and just pay my loan with my bank account at XXXX XXXX. This needs to be known by other people as this bank is not doing a good job and in my case it is causing serious problems to my family and me.
Product: Credit card or prepaid card

In XXXX, I made two payments to my XXXX  XXXX XXXX rewards credit card totaling {$1700.00}. My account limit is {$1500.00}. I then made a charge on XX/XX/XXXX for {$130.00} at XXXXXXXX XXXX XXXX. The payment posted on my credit card on XX/XX/XXXX. I then called XXXX XXXX to cancel my credit card with them. At the time my balance was {$0.00} from my recent overage payment of {$1700.00}. When I called their customer service to cancel I had {$32.00} left for rewards, which was going to be given tome in a check in 3 statement months. In XXXX I check my po box and seen a check from XXXX XXXX for {$130.00}, which was confusing I was only suppose to get a check for reward 3 months later. I checked my account and they rearranged my post date and sent a check out for a item I already paid for. At this point I owe {$140.00} for interest and the {$130.00} payment for XXXX. I took the {$130.00} check and deposited and repaid XXXX XXXX again for their mistake of sending me a check in the first place. This then left a balance of {$12.00}. I assumed they would catch their error and correct my account because the account was paid in full the interest should not have been charged in the first place when there was a XXXX dollar balance. Months go on they continue to charge me interest fees and {$28.00} late fees. I didn't pay the because its XXXX XXXX issue to fix my account which they didn't. I called on XX/XX/2023 to get more assistance with this account because my new past due balance is {$160.00} and they are reporting negatively on my credit report and its now in collections. The supervisor over collections took off {$39.00} dollars and told me I have to pay the rest even though she sees the issue and what happen on XXXX XXXX  end she can't refund more late fees. And that I should set up a payment plan before the account is charged off at the 180 day mark.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into in my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX  XXXX  XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXomplete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the three credit bureaus have my comenity XXXX  XXXX XXXX reported. It is unclear if the credit card company reported.