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

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX TRANSUNION TRANSUNION, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that [ US DEPT ED XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS AND ACCOUNTS LIST ACCOUNTS BELOW XXXX XXXX. US DEPT OF EDUCATION XXXX. XXXX. XXXX. XXXX. ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Debt collection

Sequium Asset Solutions , LLC Is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC 11692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Sequium Asset Solutions , LLC. is in violation of 15 USC 1692 ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Sequium Asset Solutions , LLC, Inc has failed to provide me with proof that I owe a debt. I do not want to see statements, I want to see actual proof that I owe thjs " alleged '' debt to Sequium Asset Solutions , LLC. There is no contract Ive signed with them or accounting ledger. According to 15 USC 1681 Section 602 States I have the right to privacy. Sequium Asset Solutions , LLC has no right to report any information onto my credit report without my written consent according to 15 U.S.C 1681 Section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

Starting in XX/XX/year> I begin disputing the bankruptcy via the CRAs as well as the Bankruptcy court and And all secondary bureaus. However, the bankruptcy support provided me with documentation stating they never reported that information to anyone any information obtained via a public record. I also contacted XXXX XXXX, who also verified they did not receive this information. Accurately they received it from another third-party source of a public record. I asked numerous times to have the bankruptcy deleted from trans union. All other CRA have followed the guidelines for consumer reporting however, Trans Union has failed to do so on numerous occasions they continue to report the inaccurate information on my credit report that is my ability to move forward in life, and it is also defamation of character. Trans Union has failed to send me the information that I requested on several times. It has been over a year now a year and a half and I asked that the bankruptcy be immediately removed off my credit report or I will seek legal actions under the 15, USC 1681 ( I ) for an accurate information reported on a consumer credit report. also, it is not a XXXX to compliance because Trans Union is the only CRA still in accurately reporting the other XXXX credit bureaus removed and deleted the inaccurate information as requested because they know that they never verified it and it was a violation of my consumer right Trans Union failed to do so I would like to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 An account was opened for an unknown amount for self credit without my acknowledgment and I filed a police report and would just like it off my credit please. Closed date is XX/XX/2021.
Product: Student loan

Fedloan Servicing calculated my PSLF payments to be that of 124 in  a letter dated XX/XX/XXXX. The later states that I need to submit another PSLF APPLICATION FOR FORGIVENESS.

The last and most current PSLF App for Forgiveness I submitted was on XX/XX/XXXX. When I call the servicer I am told that I do not need to take action that this info has been submitted to the Dept of Education for review. The information in the letter and from customer services is inconsistent. 
I have asked for written communication that I do not need to submit the PSLF app and have not received this. The first request I made was on XX/XX/XXXX to XXXX ( employee ID XXXX ) I was ASSURED by XXXX that this email/letter would be drafted and sent within 48 hours. 
On XX/XX/XXXX I received an encrypted email from XXXX, Fed Loan Servicing attacinghin ONLY the letter i already received on XX/XX/XXXX stating i need to submit a PSLF App for forgives. 
Because this information, AGAIN, is inconsistent, I contacted XXXX, ( employee XXXX ), supervisor with Fed Loan Servicing on XX/XX/XXXX. XXXX informed me that the last rep, XXXX, did not submit what she said she would submit. XXXX stated that I do not need to submit a new PSLF App, BUT I HAVE RECEIVED NOTHING IN WRITING. I was assured by XXXX that I would receive communication within 48 hours. 
I have received nothing and there are no updates on my on line Myfedloan.org account. 

I began contacting My Fed Loan in XXXX regarding their miscount of my payments. It has taken them 4 YEARS to count them and they are in agreement that I have made 124 payments. 4 payments over what is needed and yet I can get no written assurance of this. The last payment I needed to make was in XX/XX/XXXX. It is now nearly XX/XX/XXXX. 
This gross mismanagement is negatively impacting my life. I have had to remain working for a non profit and AGAIN need to file my income taxes separate from my husband. Not to mention affecting my credit score and the more than {$1300.00} that Fedloan Servicing owes me for overpayments. 

I can not imagine any other financial agency operating like this. For example, I would not keep paying on my mortgage or my loan until they say to stop, as in when they get around t0 with counting my payments.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$4200.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX, In, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX  Account XXXX : XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX & XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$320.00}. Inquiries : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  Account number XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Product: Mortgage

This is an update to my original complaint XXXX-XXXX. Mr. Cooper / Nationstar asserted to the Ohio AG that the approved funds were not received, but this is in direct conflict with the correspondence received from XXXX XXXX XXXX XXXX. I am not sure what the problem is, but I need help and neither the mortgage company nor XXXX XXXX XXXX XXXX seem to be able to get on the same page.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one - XXXX  ending XXXX this card was open without my permission a fraudulent account i didnt notice until i settled the amount for less then the original amount because it was harming my credit. 
i contacted capital one about this issue and they told me that this account appears charge off and writing off so they couldnt do anything unless i settled the debt which i found weird, because of my situation they say the only way i get this removed and deleted and to get my information updated i had pay for deletion or pay for delete which since i have XXXX accounts with them capital one for a long time, i trust them and settled the amount! 
i dont know if the debt collector wanted the settlement and denied the issue at hand the reason why i call was because this not my account!!!! it was a fraudulent account!!!!! and they straight denied me, and when on settling they debt. also i verify they was going delete the inaccurate information before i pay them and they say yes over the phone which they never did and honestly i just want to fix this issue which is affecting my life and i dont want this to happen to anybody else because i love banking with capital one but they didnt hear my issue out when ahead and did whatever they wanted and did a horrible job at the time of this call all i want is for them to fix this issue thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX my boat was hauled by XXXX XXXX XXXX for urgent repair on XXXX bent propeller blades. These blades were not broken or cracked but just bent ( one about 10 degrees and the other 20 degrees ). The boat bottom was clean as it had just been launched XXXX weeks before.One worker asked the owner ( XXXX XXXX ) if he should power wash and was told " no '' the bottom is clean.The props were sent to XXXX and XXXX prop repair and were returned in 2 days and put back on the boat. I had XXXX XXXXXXXX XXXX lined up to take the boat from there to XXXX XXXX XXXX ( XXXX XXXX ) XXXX refused to launch the boat until fully paid. The only way I could do that was with my credit card ( Wells Fargo ). Having done that I latter called XXXX and spoke with XXXX ( accounting ) offering to send a check for the bill if they would refund the 3 % charge for using the card. She said she researched it and that the charge was permanent and could not be reversed. In reviewing the invoice I noticed a charge for {$400.00} for power wash which XXXX XXXX said not to do. In addition {$2600.00} to recondition 2 slightly bent props seemed like a very high price for the work done.I called the prop shop ( XXXX and XXXX XXXX XXXX XXXX ) and requested a copy of the invoice they had submitted to XXXX. They flatly refused and said " I don't know what they billed you, but we can't share what we billed them ''. I consulted 2 reputable prop shops in XXXX XXXX Ma. with photos and they estimated $ XXXX {$1600.00} for the job.Therefore I feel I should be credited {$400.00} for an unnecessary power wash and {$1000.00} for an inflated repair bill. In addition I disputed this with Wells Fargo on XX/XX/XXXX and it has yet to be resolved
Product: Student loan

On XX/XX/2019, I paid off my student loan with UAS ( servicing a XXXX XXXX  XXXX XXXX XXXX refinance ) through a refinance with XXXX. 

Due to processing timelines, the amount paid by XXXX to UAS resulted in a {$210.00} overpayment of the amount, leaving the ~ {$200.00} credit on my UAS account. 

I reached out to UAS and they said the amount would be paid back to XXXX  within 45-60 days. It is now past that timeline and they haven't responded to a more recent inquiry on the status.
Product: Checking or savings account

My account from Discover was frozen suddenly on XX/XX/XXXX. A message was displayed that I should call XXXX. However, it is impossible to resolve this issue with Discover. The phone call always (! ) drops after 3 hours and 2 minutes. In total, I have been trying to reach anyone for more than 14 hours -- unsuccessfully! Therefore, it is impossible to unfreeze the account and get access to my funds again. This Discover behavior and the impossibility to reach anyone on this phone number is widely reported on social media XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act A, XXXX XXXX Acct not provided XXXX {$1400.00} 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 a account without my written instructions In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act A, XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX CEO of EXETER FINANCE CORPORATION filed a California Secretary of State CERTIFICATE OF SURRENDER ( XXXX ) XX/XX/XXXX ; signed by corporate officer XXXX XXXX. The date XXXX XXXX XXXX CEO of EXETER FINANCE CORP. fraudulently assigned themselves to this null and void contract was XX/XX/XXXX according the consumer reports gathered from XXXX, XXXX and XXXX that violates a cease and desist ( continued reporting is communication and a violation of cease and desist that they fully accepted, acknowledged and is binding ). XXXX XXXX XXXX CEO of EXETER FINANCE CORP. surrendered their rights and authority to transact interstate business in the state of California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. revoked their designation of agent for service of process in California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is attempting to force me to collude with their illegal business activities. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is using abusive debt collection practices and is causing me injury. After doing a UCC 11 Search with the Secretary of State of California, no liens or legal debts exist for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CEO of EXETER FINANCE CORP. pursuant to 15 U.S.C . 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with this account. Thank you and XXXX Bless.
Product: Debt collection

The company, Portfolio Recovery Associates, called my phone asking for another person. When I asked who again they hung up. I called back to have my number removed. The agent " XXXX '' put me on hold then came back saying that I have a debt with them as well. I informed her I do not and request documents proving that I have a debt. I referenced the USC codes in validating debt. She then stated to me that the company was a governmental agency. I asked her to repeat herself and she did verify that she stated the company was a governmental agency. I informed her that it was not a governmental agency. I then asked her if she would like to correct her misstatement and she said no she would not because they are a government agency out of XXXX XXXX. I then requested a supervisor.
Product: Mortgage

In XXXX of 2022, I started the application process for XXXXXXXX XXXX XXXX XXXX It is funded through COVID relief funds and applied from the Ohio Housing Finance Agency. I made a payment of my own on XX/XX/2022 and I have the statement from my bank showing it cleared my account. I also have documentation from XXXX XXXX XXXXXXXX where they have sent payments to my mortgage company. However, when I sign into my mortgage service website, it shows no payments for XXXX, XXXX or XXXX. It did finally show two in XXXX. However, due to the mortgage servicer and or the mortgage company failing to properly apply the payments received, my mortgage now shows late, and they have placed several derogatory marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXX ( XXXX )
Product: Credit card

Here again I am complaining about capital one because when you call you do not get the answers you need. Nor do you get an English speaking representative that you can understand and that know what they are doing. The last time I called the gentleman said " whether you like it or not your going to have to pay regardless ''. He just couldn't understand what I was trying to ask him. So when someone who is kind and can speak English and knows what they are doing they can reach out to me.
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home. When my loan officer pulled my credit report, a XXXXXXXX XXXX card belonging to my ex-husband is appearing on my Equifax account as a defaulted and settled credit card, messing up my debt to income ratio, therefor effecting my loan approval. My loan officer reached out to my ex husband who then in turn, contacted XXXX customer service. They stated they would send a letter, with a reference number, proving that the debt was not mine. This was on XX/XX/XXXX. As of yesterday, XX/XX/XXXX, my ex husband had not received the letter. He called again and another customer service rep revealed the letter was never sent and that they would not relay the information over phone, email or fax. This has severely altered my home buying process which could in fact leave me homeless and they do not care and have to my knowledge, not sent any documentation proving the letter is sent.