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

On XXXX XXXX and XX/XX/ 2019 I faxed Sagestream , LLC to dispute 3 hard credit, inquiries on my credit report that had not legitimate purpose using the online prepared form provided on the company website. Attached to the facsimile were prior correspondence to the 3 companies to wit the disputes arise as well as personal identity verification documents listed on the company website including a copy of my driver 's license, social security card and bank statement. I have included both facsimile with confirmation receipt to this complaint. 

Subsequently I have received two letter 's from Sagestream , LLC dated XXXX XXXX & XXXX XXXX, 2019. The XX/XX/XXXX letter incorrectly states that I did not provide any verification documents and the XXXX XXXX letter is some nonsensical form letter about Sagestream not selling information, which has nothing to do with the disputes filed.

I have tried to call Sagestream on 10 different occasions never once being able to speak to a representative and instead getting transferred to a voice mail system that is either full or disconnects. 

At this point Sagestream , LLC has negligently handled my identity verification documents I attached in both my facsimiles to the company and has delayed any investigation into the credit inquiries on my file.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and there is a fraudulent account on my report.Please remove this account from my report it is hurting my ability to obtain credit.
Product: Debt collection

I previously requested validation of debt from ERC reference number XXXX. On XX/XX/2022 ERC sent me XXXX ( XXXX ) old XXXX XXXX XXXX statement for validation. ERC failed to validate such debt with said statement. I have a right to know their method of verification. By law they have 15 days to tell me their method of verification. I believe they gave me an automatic computer generated response, and that they broke the law because there was no investigation and their conclusion is not factually based. I need to know the method of verification and see the audit trail as well as the flow. 

ERC did not insure that this information was accurate upon re-investigation pursuant to 1681 ( a ) ( 4 ) where congress says they must not be unfair, but impartial and respect my right to privacy. They never asked me if this was my debt, if this transaction ever even took place ; they just took the side of XXXX XXXX XXXX without reasonable procedures fair and equitable to me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Installment loan XXXX XXXX  BAL : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all 3 Entitys about this billing error on my credit reports. EXPERIAN, XXXX, & XXXX to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last XXXX  months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  ( not all account numbers are accurate board, XXXX XXXX XXXX XXXX XXXX XXXX ( reporting duplicate as well ), have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my report without my written authorization and permissible purpose under FCRA guidelines and are not in METRO 2 COMPLIANCE 15USC1681b ( a ) ( 3 ) ( f ) ( i ) clearly states - A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer.

According to the law referenced, EQUIFAX must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately : Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX  Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX  Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX  XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX Date Of Inquiry : XX/XX/XXXX Person : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Person : XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization I gave them to obtain my report.

THIS UNAUTHORIZED DATA IS A DIRECT RESULT OF IDENTITY THEFT PURSUANT TO 18USC1028 ( A ).

According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions or permissible purpose to furnish this data on my consumer report?

If so, provide the original consumer agreement with my signature that gave you written authorization.

Please update my personal information on my Equifax Consumer Report to the following immediately : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Employment : CEO of XXXX XXXX XXXX Please REMOVE THE FOLLOWING PERSONAL DATA FROM MY CREDIT PROFILE : FORMER NAME : XXXX EMPLOYMENT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I bought my home in XX/XX/XXXX and the mortgage company was XXXX XXXX. Within days of signing, I received notice that my loan had been sold to U.S. Bank. U.S. Bank informed me of this transfer with new address to send my payments. 
Two months later, U.S.B. sent me notice of my home located in a flood zone. This was contrary to what my previous lender/builder told me. The notice never reached me and I was unaware of this at the time. It was the follow up notice that finally reached me. Here I was informed that since I did not provide flood insurance within the specified time ( never received the XXXX notice ), U.S.B. have gone ahead to provide with flood insurance and that my payments will be going up. I tried to explain to them that I was told from the onset that my home was not in a flood zone. Why was U.S.B. coming after me? This was a hassle I had to deal with costing a few thousand dollars to resolve. After this issue was resolved, my payment went down and I thought okay, all will be fine now. 
XX/XX/XXXX, I received yet another notice informing that my account was analyzed and it appears my escrow account was short {$3000.00}. I called to ask several times why was there a shortage since I have made regular payments/never late. The customer representatives I have spoken with could not give me concrete answers. It appears to me their answers were speculations rather than factual. This analysis has seen my mortgage payment skyrocket from about {$1100.00} - {$1600.00}. This is beyond what I signed up for and I feel the bank is not treating me fairly. I have also noticed some noticed in my payments breakdown, " additional taxes '', " mortgage insurance ''. The former I have no idea what those are and customer service has not helped. The latter, I was told it will drop off after a year, it has been two years and it still appears in my bill. 
I will like CFPB to investigate these issues on my behalf because I feel I am being railroaded my U.S. Bank.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXXXXXX XXXXXXXX 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 to be removed/updated. 

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. 

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XXXX/XXXX/XXXX in regards to a disputed public record and XXXX other unverifed accounts on my credit report. Transunion failed to provide me verification of the above disputed items nor did they remove them from my credit report. When I called, I was told that they did not have a disputed from me on the date in question. The next time i called i was told that the investigation was incomplete. As of today i still have not received verification, method of verification, a notice of failure to verify or an deletion of this incorrect information which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I have been trying to remove fraudulent information I found on my credit report and this company has not cooperated with my request despite my proof of identity theft.
Product: Credit card

I have several charges which I would like to have disputed, however the customer support representatives keep lying to me to prevent me from initiating these disputes. 
On XXXX, I called Bank of America to initiate disputes. I was initially lied to by the support representative, who told me that I could initiate these disputes from my Bank of America app or online. However, when I try to do so I am not able to because the app tells me to contact support and does not initiate the dispute. After explaining this to the support representative, they told me that they would initiate all of the disputes and they would be resolved within 2 months. It has been 2 months, and the disputes haven't even been initiated. 
I later called Bank of America again to try and initiate the disputes. I was lied to again, being told that I should use the App to initiate the disputes. After explaining that that would not work, I asked for an alternative method to submit disputes since I could not do it through the app, online, or over the phone. The support representative told me that I could send mail or fax to initiate the disputes. I sent mail and a fax, following the instructions from the support representative. However, the support representative clearly lied to me, since no action has been taken on the mail or fax that I've sent.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXXXXXX XXXX  {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I took out a student loan with XXXX in XX/XX/XXXX to take marketing courses at University XXXX. The courses were demeed to prepare one for a marketing manager role which was untrue. I digress, about 2 years ago XXXX XXXX sold my loan to Discover. Discover has never been able to show me my full repayment history. It 's not available on my online account. I have called customer service many times to find out how much I have paid etc. They will not provide me with anything. The history in my account only shows the payment for the last month and sporadic untrue payments ... like a few payments in XX/XX/XXXX. Also, I have moved abroad and I can only pay from a XXXX bank account. I have direct debit set up and yet every month I get emails from Discover saying that i need to log in to my account to make a payment. I just received XXXX now on XX/XX/XXXX and my account is up to date! No payment is due until XXXX XXXX! So despite not having been a XXXX citizen, I was able to take out student loans for an expensive and inappropriate course, and 14 years later I 'm still paying and ca n't get an accurate history of what I have paid.
Product: Mortgage

I would like help enforcing a refund for my personal home loan regarding overpayment of my PMI. I'll try to summarize where I am at with this issue : About 3 months ago I realized my escrow accounts still dedicated some payments to PMI. I was shocked considering my loan to value of my home is under 40 %. My LTV has been under 80 % for close to 2 years, hence have been paying PMI for that length of time. I successfully had the PMI removed the middle of XX/XX/2020 from my loan and was expecting a refund for overpayment of the PMI. After several calls and requests for information with PNC, I still don't have any answers as to why I am being refused a refund. Not only did PNC fail to remove the PMI from my loan at ~20 % LTV , they are refusing to pay back the overcharged amount. I have a request in with a supervisor ( not sure how this hasn't happened yet ), and am still pursuing an answer.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear XXXX, Transunion XXXX XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I dont recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligations to pay.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or Transunion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action was taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, AMEX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX  XXXX, AMEX, and XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I have been charged from the same merchant every month a transaction for XXXX. The first transaction was on XX/XX/2021. I reach out to Goldman Sachs and they suggested contacting the merchant, which I did, with no answer. 
They proceeded to initiate a dispute and suggested obtaining a new credit card number, something I did. The next month I received the same non-authorized charge even though I changed my card number ( and, obviously did not provide it to the fraudulent merchant ) and explicitly told the bank I did not authorize any charge from that business. I had to file a new dispute and change my card number again. Ever since I receive the same fraudulent card from the same business, I have reached out to Goldman Sachs every time that this happens, but they haven't been able or willing to solve my issue. The last time I contacted them was on XX/XX/2021, the customer service representative was extremely rude, and did not address the issue. Today, I received another unauthorized charge, been this month the 10th time I received a non-authorized charge from the same business, after following the bank instructions, including changing my card number multiple times.