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

SageStream LLC reporting wrong information. No idea who this company even is. 
I got a letter from XXXX XXXX who i never applied to for a loan. I bought a car with another company. XXXX  sent me a letter denying credit of a loan because of Too many delinquencies and number of accounts with delinquency and more. Showed my credit score at XXXX. I have never had a delinquency and my scores with other companies are 700+. 
I have no idea where this company came from or who gave permission to look into my credit. I have only ever heard of 3 credit bureaus. 
How can i stop this company from tainting my credit I received the letter on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

A company named Kickoff has a mission to boost credit. However, they began reporting negatively on my credit reports after canceling my membership with them. This problem started in XX/XX/2023 ; I soon discovered they have no live representatives and can only be contacted through email. After weeks, Kickoff finally emailed me and declared that my account had been closed with no late or balance. However, it continued to report late payments into XXXX. I have contacted XXXX and XXXX, and they have not resolved this problem. This continuous incorrect reporting adversely affects my credit as it is the only late payment ever. Please help me fix this quickly, as Kickoff has wasted months. Listed below is their contact information. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX
Product: Credit card

I am a victim of identity theft. My American Express account ending in XXXX has been compromised, and the transactions listed on the current statement are all unauthorized and the result of fraudulent activity. I did not initiate or approve any of these transactions. I am requesting immediate action to address this issue, including the removal of these fraudulent charges, an investigation into the matter, and steps to secure my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that XXXX XXXX has pulled my credit score on XX/XX/2018, without my knowledge, consent, and request. I even don't know what is XXXX. 

Remove this incorrect reporting from my report. Else provide me the evidences showing my credit card application with XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am requesting a refund for a temporary Serve card. Per the cardmember agreement, " By signing or using the Serve Temporary Card, you agree to be bound by these Terms and Conditions in their entirety. Should you wish not to be bound by these Terms and Conditions you must, prior to using the Serve temporary card, request a refund of the value of the Serve Temporary Card by calling Customer Service. '' Unfortunately due to no fault of my own I am unable to register this temporary card. As such, it is no use to me and I am hereby rejecting the terms and conditions and requesting a refund in accordance with the terms above. I have already contacted customer service, who refused in any manner to process this refund. 
The card is unused and therefore in full compliance with the conditions required for a refund. 
In addition, I am requesting refund of the {$7.00} monthly fee that was auto deducted from the card balance. 

I can be reached at XXXX or by cell at ( XXXX ) XXXX.
Product: Money transfer, virtual currency, or money service

PayPal Emailed me that my account was permanently limited this is the reference ID ( Ref ID - XXXX ) the email says that After a review, PayPal decided to permanently limit my account as PayPal found potential risk associated with it. 

for me its not fair that they banned my account due to potential risk because my account is fully verified and I don't have any disputes in the account and about funds I'm not receiving yet big funds and if ever I receive big funds in the future for me its okay because my business account is fully verified and i have a website which payments came from, and I also complete all the documents needed in my website like proof of business registration and address, that's all legit even you search it to the website in the business registration input the business name and number so you can see that the documents that i send was legit and true.I think PayPal did wrong to this decision, I thinks its their auto system that decides the decision not the support or the executive person., the email was auto generated., I want to become an established seller in the platform that's why I'm very careful in my account like I only log in in one Pc and one browser from the first time I use it, PayPal know that., I think PayPal did wrong their decision., I want to make this things clearly and restored my account
Product: Mortgage

PHH Mortgage paid the wrong amount for our flood Insurance. The difference in the cost was $ XXXX year. The first time I called the representative lied to me about them getting the same copy of the bill as I got. My insurance provider told me that, " No they got a copy of the same bill. '' After a few phone calls PHH paid the {$17.00}. The {$17.00} was for {$7800.00} in more coverage. Because their paper work is always behind they sent me a bill to make up the {$7800.00} difference with another insurance company called XXXX XXXX XXXX XXXX. Their rate for the {$7800.00} was {$70.00} per year. That is almost 4 times what should have been paid. I found an article on your website dated XXXX 2014 about them getting Kickbacks on Mortgage Insurance. I am concerned that they may be now trying to make money off of Flood Insurance. 
Their Book Keeping is terrible. Their corespondence is also terrible. Their letters have dates that are 5 to 8 days earlier than the post mark date on the envelop. So where did the letter sit for all of those days? Are they making money off their innepness? 
They will only take mortgage payment electronically. Every other payment has to be sent by mail. Then the posting date is again a day or two later. It seems that one department does n't communicate with the others very well. I have been passed from one department to another during a single phone call. Then they argue with the information I got from the other department. They seem to lag behind each other with current information. All this seems to me like they are purposely slow to make a profit off of their customers!
Product: Credit card or prepaid card

I called TDBank credit card services on XX/XX/18 around XXXX to inquire about lowering my interest rate on my card Ive had for XXXX XXXX years. The first representative that answered my call stated that currently TDBANK does not offer any reduction in interest rates. After I explained Ive been a customer for 6 1/2 years and Ive made consistent payments the representative went on to say that TDBANK only lowers the interest after looking into the account and history and credit score. I explained that Ive never received an offer of any kind or message that they have looked into my account. She went on to say that they would offer me a lower credit if I had an increase in my credit score which I went on to tell her that I actually had a recent increase of 14pts and definitely have had an increase over the past 6 years. After going back and forth, I asked to speak to a supervisor. The supervisor came on and stated that TDBANK is currently offering no decreases any customers interest rates. I asked why then did the previous representative tell me that they look into the accounts and that i would get one if my credit score increased? She said that that was untrue and that the person must have been new. Its hard to tell whats true and whats not with all the misinformation. TDBank Was not only uneilking to work with me as a customer but worse was unable to give me accurate information regarding their policies around lowering interest rates. Ive called in the past as well and they told me to look out for promotions in the mail regarding lowering my interest. I have yet to receive anything in the mail for 6 years.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently listed on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The Bankruptcy XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. XXXX XXXX : Bankruptcy XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I initially submitted a complaint to Transunion that a whole account was missing from my credit profile that should not have been missing or delete on XX/XX/2024. 

Transunion replied to the complaint that an address was updated on my credit profile and a phone number was added to my credit profile. 

I did not add or update any address or phone number on my credit profile nor did they have permission to add or delete anything on my profile. 

The only item that should have been updated on my credit report was a credit card history account with XXXX XXXX. This is the account & history that mysteriously disappeared. 

Transunion is obviously tampering with my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024, XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi / AAdvantage Platinum Select Card has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to Equifax to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

When I received my credit report - Equifax decided to not only NOT remove the account, but ADD ANOTHER account for a different amount from the same creditor. 

Ive included all copies of communication and the credit reports.
Product: Mortgage

Pay on the bill monthly, with interest at XXXX percent, most of the money is been applied to interest. For example monthly amount of bill is {$490.00} and {$360.00} goes to interest and only {$130.00} went to principal.
Product: Credit card

Dear Sir/Madam, I was charged a late fee for {$41.00} on XX/XX/year>XXXX  and previously on XX/XX/year>. 

I have requested if the fees could be waived which was kindly denied. 

I have also requested if the fees could be reduced from {$41.00} to {$8.00} ( {$16.00} total ) and I was informed that this was not an option since XXXX " is still not in effect ''. 

I have informed and setting up auto payments so I do not incur such fees in the future.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We have been receiving calls from supposably Chase Bank, that my wife applied for a credit card, which she has not done at all, they stated the last four of her Social but would not give me all the numbers when I asked them. These calls have been going on for XXXX days, I called XXXX and they told me how to block the number, XXXX of the features our phone has among others, which I did, they told me they were going to approve it even though we never approved it at all, so we want this people to stop calling our house. 
The number that they are calling from is XXXX.
Product: Mortgage

We are 10 years into a home mortgage, originally with XXXX XXXX, sold to XXXX XXXX XXXX, then sold to M & T Bank ( XXXX, MD. ) One payment was late in XXXX and M & T Bank then refused to accept our payments and told us to work thru their Mortgage Service agent : XXXX XXXX XXXX. 
XXXX told us not to send payments until the paperwork was completed on their side, which never happened. 
We made a catchup offer at that time which was ignored. 
We retained a lawyer who advised that we start a Ch. XXXX Modification plan to protect our home from foreclosure actions, which we did but we kept our house outside of the mod plan and made every payment. M & T Bank 's lawyer filed a document at the discharge of our case XXXX XXXX that all payments ( arrearage and payments XXXX were current. 
M & T Bank accepted/cashed our XXXX XXXX payment and now has not accepted/cashed our XXXX, XXXX, or XXXX payments that our lawyer instructed that we send to their lawyer to make sure they would cash them. It has been two weeks and they are still not cashed. This has damaged our credit ratings, made it impossible to re-finance, and jeopardized the bills that are paid from our escrow. Their actions are unethical, borderline illegal, and violate the directions from our Ch. XXXX case judge.
Product: Payday loan, title loan, personal loan, or advance loan

We are being double charged for home security services provided by XXXX. I called XXXX to close out that account but we re still being charged by XXXX on XXXX different account number in the same home for XXXX security system. There was a second line of credit open without our consent! XXXX came by our home on XXXX different occasions the first time they came we canceled the service that same day. We called not even an hour after he left our home and said we changed our mines and left it at that. XXXX weeks later another XXXX employee sold us a much better deal but we didnt notice we were being double charged until XXXX because my fianc was making payments on the app with her card and they were drafting out payments from my checking account for the account the gentleman said he closed. XXXX has since this month closed out the account and agreed we are being doubled bill but states we have to speak with XXXX because the credit line was open them but when we call XXXX they say otherwise and its on XXXX end. We have been going back in fourth for 3 months and still paying for a credit line for equipment we do not have. It is not right at all. We barely have enough money for the system we actually have installed. To me its common sense why are you charging the same home XXXX different accounts for XXXX single home security system? I work billing for a cable company and when something like this is caught we immediately correct our error. It seem with this no one is admitting to anything wrong and still taking our money. Please help us out!
Product: Credit card

I recently was selected to upgrade my Discover Secured Credit Card account to a Discover Unsecured account. This transaction occurred several months ago. I logged into my Discover credit account online to apply for a credit limit increase on XXXX, 2017. The website submitted my request and it went on for further review. The message stated, " Your request is under review. Decisions are typically made within 2 business days. There is nothing else that you need to do at this time. '' I was not contacted by Discover Bank and did not get any confirmation email that my request was under review. 

I contacted Discover Card Customer Care within the 48-hour period and was told that there is an ongoing system issue that is preventing my requests for a credit increase to be reviewed by a credit analyst. No timeframe was given to reapply. I was told to keep resending the applications if I get " bored '' and to see if it gets fixed. 

I also attempted to contact the online chat support, and I was informed that the credit analyst team did n't review my request for an increase and that I should call them. When I contacted them, they advised me the request had to be deleted. 

I feel that Discover is unfairly preventing me from utilizing my account by not accepting requests to increase my credit limit. Other Discover Unsecured credit card customers are able to submit requests to increase their limit, and sometimes get instant decisions, however, " graduated '' customers are not due to a system issue because my account was upgraded. I feel as if Discover bank is discriminating against me because I had a secured card, and will not allow me to ask for a higher limit on the upgraded account. I feel as if " Graduated '' customers of their secured card are not fairly treated and that their lending practices are not fair as we can not request an increase in credit on our accounts. Our requests are queued and then deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  have not sent me validation of the account on my credit report XXXX XXXX XXXX XXXX. XXXX  has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from Experian or XXXX  they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification
Product: Debt collection

A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.
Product: Credit reporting or other personal consumer reports

All three credit reporting bureaus have locked me out of my account. They are acting the bad practices by acting like theyre helping me login telling me that theyre going to send a email for me to click on the link and they never sent the email or they have me send all my information and my ID, a face recognization and say that I passed all the security questions and theyre going to send me a text link for me to click on and they lie, today I was on the phone with Trans Union and he walked me through this process and said I was logged into the account it says login, but it doesnt show me nothing on my credit report its all kinds of other stuff. Nothing about my credit report hindering me from logging in and acting like theyre helping me login and theyre not. Its all a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY   CH-XXXX  account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1981
Product: Credit reporting, credit repair services, or other personal consumer reports

For some time I did not know what was going on with all these fraudulent accounts on my credit report. Then I found out that my son and ex-wife potentially open the accounts in my name. for many of the accounts they did not have my correct Social Security number. So there is no way my Social Security number is on any original application that these people could have. In fact most of the information would likely be wrong because it was not me. These accounts have come back confirmed somehow as my accounts when they are not I need something done about this immediately please. This is affecting my financial situation in a negative way.