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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit card or prepaid card

Amex refused to honor their promotional spending offer for my card ending in XXXX. 
I enrolled my card ending in XXXX with the following Amex offer : " Enroll in this offer to earn a {$20.00} statement credit each month you spend {$20.00} or more on eligible U.S. restaurant purchases with your Card. Whether it's dine-in, takeout or delivery, you can redeem this offer each month through XX/XX/XXXX. This is in addition to the Points you already earn with your Card. '' I had two qualified transactions in XX/XX/XXXX, XXXX was {$18.00} charged on XX/XX/XXXX, and the other one was {$4.00} charged on XX/XX/XXXX. However, the second transaction 's post date ( the date that the charge is posted to the account ) was XXXX. Even though the transaction date ( when the charge was made ) was XX/XX/XXXX, Amex refused to issue {$20.00} promotional credits for XXXX, because Amex used 'post date ' to determine the credits eligibility, which is unfair. 

Amex did not disclose that they use 'post date ' rather than 'transaction date ' to determine the credits eligibility in the XXXX XXXX XXXX , which is unfair to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to get in contact with SageStream via phone call as i'm rerouted to the automatic voicemail system and properly ignored every time. Their voicemail service says that they would give me a call back within 1 business day, but i have already left 4 messages and waited 2 weeks with no reply. Another option is to contact them via " secure fax '' or by mail, but looking further on their website at ( https : //www.sagestreamllc.com/consumer-report/ ), they want a photo copy of my State ID, which is NOT required by all 3 major credit reporting agencies like XXXX, XXXX, and XXXX, including XXXX. Additionally, if anything on my State Issued ID is different than what they have on file, say a change in address, they REQUIRE further verification information of my name, address, phone number, birthday, AND social security information by sending them a copy of very sensitive personnel information. They want an actual photo copy of my Social Security card, U.S Passport ( picture page ), Alien Registration card, or my Military Identification card ( front and back ). Again, this is NOT required by the major credit reporting agencies like XXXX, XXXX, XXXX, or XXXX. Which leaves me wondering if this is a SCAM. Another way for predatory companies to siphon off even more private information, information that no one has ever asked of me before, other than State and Federal government for official use, NOT private companies. Not to mention, I don't believe it is legal to make copies of or to reproduce government issued ID of any kind ( especially social security cards and passports ) and be given to anyone period. Unless I'm wrong here, no private company should request any of this for " verification purposes ''. Something smells fishy ... Makes me want to get XXXX ... but wait ... upon further research online, this is what i found : " Sage Stream '' Credit reporting - Owned by and gets information from " ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. 

Basically what should be of concern to people, is the very fact that a company that sells it's product use to users by installing such software on their computer for security purposes, has the ability to use their software to read and analyze your habits, your page visits, your completed purchases, etc. 

This information may indeed allow mischief on their part, in order to gain new customers for their XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream, all of the above in which is owned by " XXXX XXXX ''. 

XXXX : XXXX YOU FRAUDS, HOW ARE YOU LEGAL??!!!!
Product: Debt collection

This is not my debt, I have disputed this with no outcome. Please help
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

credit card provider does not want to dispute the purchase due to the overdue XXXX  days from the day I purchased. Purchase date XX/XX/22, amount- {$340.00} The reason I need to dispute this purchase is that the service was not used and was canceled. The company promised to return money during advertising but refused to do it when I actually requested it. Please let me know if additional information needs to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was used to open an account with XXXX without my authorization. I never used this account nor did I receive any benefit from this account. 
I contacted XXXX a few months ago and they assured me that they will investigate this thoroughly. 
The last correspondence from XXXX dated XX/XX/XXXX states the following : " We respectfully decline to remove the XXXX / XXXX XXXX XXXX account ending in XXXX from your credit profile as we have determined that you are responsible for the account. The account was established on XX/XX/XXXX and the card was mailed to an address previously verified to you. In addition, the phone number used for activating the card also verifies to you, we also have signed correspondence on the account from you, and your previous request to convert to this account. There were payments received for this account from a checking account in your name. We also confirmed that the statements were sent to the address listed in your CFPB complaint and FTC report. '' This is extremely disappointing. Based on their findings it seems that one of my household members was the one who opened the account, and that is how he/she was able to have the card mailed to my address and activate it from my phone number. It has also became clear since that a bank account has also been opened in my name without my authorization, and this account was used to make payments to the XXXX credit card. 
XXXX has failed to verify the individual who opened the account by requesting identity verification documents. And most of all, even after being notified that this account is a result of identity theft, they still failed to fully investigate and review all merchant charges on the credit card and to identify the thief who opened this account. Instead, they made a baseless conclusion that I am responsible for this credit card and, as of today, this account still shows up on my credit files.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX Account XXXX : XXXX. XXXX Account XXXX : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report that are affecting me heavily. These inquiries were made by the following companies : INQUIRIES : XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized any of these companies to view my consumer report. This is not only a breach of my privacy, but your company is also in violation of the FCRA. I am asking that you validate and verify these inquiries by providing me with a contract bearing my signature that authorizes these inquiries. If this documentation is not provided to me within 30 days, these inquiries must be removed immediately. If you fail to do so, you are willfully in non-compliance by continuing your fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention to this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved
Product: Mortgage

After the XXXX XXXX  on XX/XX/year>, my insurance company issued a joint check to me and Wells Fargo. Wells has released 33 % of the funds, but refuses to release more that I need to achieve the 25 % benchmark for the next payment AND refuses to pay fair market interest on the escrowed funds. See full details on attached letter, my architect 's proposal/ cost, an estimate from my contractor for the rebuild and Wells Fargo 's reply to my request for additional funds.
Product: Debt collection

In or around XX/XX/2023, I was served with court papers where Portfolio Recovery Associates , Llc, was suing me for the amount of {$2100.00}. On XXXX, I filed an Answer with XXXX XXXX XXXX and also sent a Portfolio Recovery Associates Llc a certified validation of debt letter according to the Consumer Financial Protection Bureau. I never received the information I requested from Portfolio Recovery Associates , Llc. On XX/XX/, the case was dismissed. Sometime there after Portfolio Recovery Associates Llc removed this from my credit report only to wait and place it back on my credit report. Portfolio Recovery Associates Llc is in direct violation of inaccurate credit reporting according to Fair Credit Reporting Act according to 15 U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ALLY FINCL Bal. {$20000.00} Acct # : XXXX
Product: Credit reporting or other personal consumer reports

I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..
Product: Credit card

I made two payments XX/XX/XXXX to the TJX Rewards Mastercard. The account is closed and I do not use the card, I just want to pay it off. One payment was made on or before the due date of XX/XX/2016. The other payment was made on XX/XX/2016 to pay XX/XX/2016 payments. I paid at that time because I had the money and because if I wait to pay from XX/XX/XXXX 's first paycheck, I run short due to rent. XX/XX/XXXX they started calling me telling me I did not pay XXXX 's payment. I explained to them that I did XX/XX/XXXX. The payment made XX/XX/XXXX was for XX/XX/XXXX. I have had three telephone conversations with them ( heated ). They led me to believe they would credit the payment for XX/XX/XXXX and refunded the late fee for XX/XX/XXXX. However they have still not properly credited the payment and I continue to receive harassing phone calls from their collections department. By refunded the late fee, they have admitted there error as far as I am concerned, but the harassing phone calls continue. I received 3 already today before XXXX ET. I do not answer, but I know it is them because the numbers are unknown. They agreed on the phone to properly credit the payment and the late fee. They have not properly credited the payment. As a result of their refusal to properly credit the payment, I will incur a late fee each month because they are considering me a month behind. I paid for the month they are disputing. I am not going to pay them again.
Product: Prepaid card

To many dates too write down but it was all last month and this month my card had been getting used and I they told me to get proof of a report about it so I am!
Product: Credit card or prepaid card

Last year around XXXX 2016, Nordstrom out of nowhere froze my credit card with them. I have tried every attempt to contact them through their online messaging center and through phone. Every single time I message, they do n't give any answer other than to call them. Every single time I call them, they do n't tell me why my account is frozen, and do n't tell me what I can do to unfreeze it, do n't tell me who I can talk to or call, and they never call me or follow up to continue the conversation so that I could reach a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX finance ), 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

In XXXX of XXXX I startes receiving alot of solicitations from people knocking at my door including a salesman selling a vac up cleaning I unfortunately took the bait and purchased him telling me if I hhave any issues I can return the vaccuum in less than a month later I attempted to because the vaccumm was not working. I tried no one called me back in regards to my issue.. I made several attempts. Now XXXX XXXX I was giving a summons for court stating these people are attempting to sue me for a faulty product that never worked that no one called me about and Im finding out its not just me several people are going thru the same thing. Faulty product was giving and this company is trying to swindle money from me to pay. Without any form of written communication before today.
Product: Credit reporting

I initiated a dispute with Experian, XXXX, and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX XXXX XXXX, XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All three credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however XXXX did not remove the old item either.
Product: Mortgage

I filed for chap XXXX bankruptcy in XX/XX/2014 due to medical issues. At the time of filing the arrears on my property was {$9000.00}. The mortgage lender failed to file a claim with the court and consequently, the court was not able to make any payment to them ; although I made the payments to the court as required by the terms of my plan. The arrears on my property have now risen to more than {$25000.00} ( due to the lenders negligence ). Due to ongoing medical treatment, I have made several attempts to obtain a mortgage modification and am being told by the lender that " they are not able to offer any modification that will reduce my payment to an affordable level based on my verified income ''. My problem is ; were it not for the failure of Ocwen to file a claim with the court these arrears would not have reached this level. I can not imagine an acceptable reason that the lender could not get the claim filed with the court during the course of an entire year. If not for their error, they would have received payment. The money was on file with the court and was disbursed to another creditor because of their error. The lender is now holding me accountable for their negligence ; and I am being told that there are no options for me to work out a plan to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX have mixed my deceased mothers accounts with mine. These accounts are not mine I have sent them proof of life including my current adress XXXX XXXX XXXX XXXX il XXXX my passport, social security card and my current utility bill but they have failed to remove this XXXX XXXX inaccurate account. I have attached a photo of this account from my most recent credit report XX/XX/2023, Confirmation # XXXX ) along with of the past certified letters which I will provide below sent XXXX`Despite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights. I am not dead please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called Capital One to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.