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

In XXXX I applied for a XXXX XXXX card to receive an additional 10 % discount on an order. They said they would mail me a letter. I received the attached letter from XXXX XXXX  saying I had not been approved because the consumer report stated the applicant was deceased. ( Attached Ex A ) I was not then or am I now deceased. I called Sagestream 10 times and left a voicemail requesting a copy of my report they sent to XXXX XXXX  for XXXX XXXX and requested a return call to discuss this issue. I never received a phone call. I made 4 request online and the Sagestream website for the said report. The letter States I can receive a copy of the report if I request within 39 days. I never heard from Sagestream. You can not get through to a person no matter what number you push when you call the number on the letter. XXXX I received the letter attached from Sagestream without a copy of the report stating that my XXXX score was XXXX and the following : *When consumers SSN was issued compared wit *Limited history for consumer at this phone *Limited history at this address *Number of inquiries *Inquiries did adversely impact score So now I'm not deceased I have all these other issues. I am a widow on XXXX and my credits not perfect now but I've come a long way since after my husband died suddenly 4 years ago. My credit score with XXXX  and XXXX  is between XXXX-XXXX. I have read Sagestream does some other kind of scoring. 
I want a copy of the report they sent to XXXX XXXX  that I requested via phone and online within the 30 day period. I want this corrected and a copy of the corrected report. I also want to opt out of anything with Sagestream , LLC. This has been a nightmare over a 10 % discount for XXXX XXXX but Sagestream didn't do due diligence on this and needs to make it right and send me the copies I hab requested. No company should have the authority to make a mistake and then just ignore it hoping it goes away and not ever sending the consumer the correct information. What if this had of been a mortgage loan? Or car loan? Please look into this and that appreciate your help in this matter. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, At XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct or update the accounts below : XXXX XXXX, XXXX UT XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

this complaint is against Wells Fargo bank my account # XXXX i was and am going thru tough money times ) i got divorved at age XXXX __ -- this was m not planned i have acumilated {$180.00} in late payment charges and was never offered to have a payment defered.i was only informed of a payment deferal thru my current debt resolution company ) XXXX XXXX XXXX= i am NOW current on my truck payments after defering one payment.wells fargo let me accumilate {$180.00} in late chatges two years of late charges than offer me a soluction by defering a payment or lowering my intrest rate ) 10.9 % wells fargo is greedy and prefers getting two years of monthly late charges than to OFFER me a payment deferal .I want wells fargo to remove ALL my late charges for being deceptive by ommision thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/TransUnion/ XXXX Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance XXXX {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XXXX  with no successful outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian numerious times via mail and over the phone in regards to fraudulent accounts that have been established in my name they have failed to remove these fraudulent accounts from my report even after sending them a police report and Identity theft report that lists these accounts as fraud. There claim is that they have gotten a response from the creditor indicating that the accounts are valid in which they have also failed to provide documentation to support this claim. I believe that my rights under the FCRA are being violated. I am asking that Experian be contacted and that a resolution be made in regards to these fraudulent accounts.
Product: Debt collection

I went into my credit consumer report on XXXX and I noticed a few charge-offs that I was not written or communicated about when the accounts were charged off so now it's affecting my credit negatively and now I have to resolve those issues even those issues were not presented to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed that Capital One Bank had reported an account on my credit report without my authorization. According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only with the consumers written consent. I have never provided written consent for Capital One Bank to furnish or obtain my credit information. Despite this, an account appears on my credit report, and I am not legally responsible for it. On [ Date ], I contacted Capital One Bank and the credit reporting agencies ( XXXX, XXXX, and XXXX ) to dispute this unauthorized account. I requested the removal of this account from my credit report, but it remains unresolved. I am seeking the assistance of the CFPB to have this unauthorized account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to XXXX XXXX to purchase a cellphone I needed immediately. My purchase was denied because TeleCheck ( XXXX ) XXXX denied my check to XXXX XXXX. I had over {$1000.00} in my checking account to more than cover the {$480.00} phone, and I have never bounced a check in my more than 40 years of writing checks. I've had this current checking account for 20+ years. 

TeleCheck said they denied my check because they had no record of my checks. I've written several checks a month on this account for the past 20 years! The fact that they have no record of my checks is NOT my fault... it is the fault of TeleCheck. What more do I need to do than write several checks a month for XXXX years???!!! 

So TeleCheck thru their own incompentence failed to track my checks, and is now depriving me as a consumer the ability to make purchases at companies that use their service. 

( TeleCheck Case # XXXX )
Product: Vehicle loan or lease

Paid off auto loan. Time passed and I was only sent a release letter. I reached out to Alliant asking for the title and was first told the title " was never received by Alliant ''. I asked for clarification, then was told " the title was electronically released on XX/XX/24 '' whatever that means. I asked AGAIN for clarification on why my title isn't being sent to me and was told " After the electronic title was released, your local DMV would have mailed your title. If you have not received the title, you can take the lien release issued to your local DMV to request a replacement title to be sent. '' I don't believe the DMV should have been holding my original title. I also don't think I should be responsible for the related fees and time involved in requesting a duplicate from the DMV. Where is my original?!
Product: Credit reporting or other personal consumer reports

ON Saturday XX/XX/year> I had a conversation with XXXX XXXX about a mortgage. Our conversation specifically included me asking if he was going to do a " soft pull '' or a " hard pull '' on my credit. I am not ready for a " hard Pull '' and I am only in the exploring stage of buying a home. I explained why I do not want a hard pull done on my credit. He assured me he was not doing a hard pull. 
I received notice from XXXX via Text App that a hard inquiry was done on my credit file on XX/XX/year>. I reached out to XXXX XXXX in a text to verify he did a " soft Pull '' which he confirmed with me, at this time, he did a " soft pull '' and he said " I did a soft pull, but XXXX and XXXX sometimes report it as a hard pull on the apps. '' I waited a few weeks and this information did not change. I contacted XXXX directly and spoke with them in which they confirmed it was a hard pull and told me I would have to dispute it with Advantage Credit and request a letter of Deletion. 
On XX/XX/year> I reached out to Advantage Credit and explained that I did not consent to a " hard Pull '' on my credit. The woman guided me to the online complaint form and credit file number to enter. The next day XXXX XXXX contacted me regarding my loan application question and about an email he received that morning about my dispute. I explained to him that it was not a soft pull and I expect him to make this right. He symapthised with my position and explained that the report is good for 45 days and he wont need to pull it again. also if I wanted to shop around for better rates that his are the best. I told him point blank that I am not sure how or what he needs to do to respond, but the report is inaccurate and he needs to do the right thing. I am not sure if I will find a home in 45 days and I don't want to keep pulling my credit until I am ready to move forward with a mortgage. 
To my surprise, I received a response on XX/XX/year> by mail dated XX/XX/year> from Advantage Credit. In their response they concluded that I consented online to run my credit on behalf of XXXX XXXX  and I should contact them. They left no other options for me to dispute, again their findings. They included XXXX XXXX response but no evidence I ever consented. 
ON XX/XX/year> I tried to reach out to Advantage Credit and was told I have to email them. So I emailed them my disappointment and will be forwarding this poor business practice on to the CFPB. I have included all this information. When you use a third party servicer like Advantage Credit, that does not shield you from better business practices and following the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance was paid off in XXXX of XXXX, dispute was filed immediately after, with no changes coming from the dispute. In XXXX, the balance is still being reported with a {$0.00} balance shown as 120 days late. They are falsifying information.
Product: Credit card

U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP.
Product: Checking or savings account

I opened an account with BB & T ( Truist ) online around XXXX or beginning of XX/XX/2020. I deposited a check of XXXX at a branch a few days after opening the account. I also deposited a {$100.00} check on the mobile app. I waited several weeks and never received a card. I contacted bb & t to ask when Id receive it and thats when I was told there was a card issued and its been used. So they had me open a new account and closed the original one. I received my debit card the following week and tried activating it but they said I couldnt because the account balance was negative. So the following week I received a letter stating the account was no longer negative. Again, I was unsuccessful at activating my card. They said it was froze. So I assumed a new card would be issued. They helped me gain online access to my account. I submitted 3 bill payments using my checking account number. I also tried sending money through XXXX to a family member on bb & t website so that I can have access to cash but it would not go through. I never used XXXX before so I figured I wasnt doing something correct. I then received a voicemail the same day saying to contact bb & t to verify account activity. When I called them they told me my account was frozen because it was being investigated. Which I figured it was because of the fraudulent charges. But I have been unsuccessful at getting an answer as to why I cant access my funds. They provided the provisional credits within 10 days like they should but they should not be blocking my access to them. That defeats the purpose of provisional credits being issued. Ive contacted bb & t daily to get answers but 95 % of the time My request to speak with a supervisor is refused. The 5 % that I have been able to speak with one Im told they dont have the answers as to why my access to my money is being blocked. All they know is that its under investigation. Yet no one can direct me to the department handling it and they say they are waiting on a response from them as well. This has been going on for almost 2 weeks. Im left in the dark, broke, unable to pay bills. The bill payments I submitted were returned. My electric, phone, and internet are all pending to be shut off. I cant get any answer or help from bb & t. Ive been out of work since XXXX. That money was money I had transferred out of my unemployment debit card with XXXX XXXX XXXX. Ive even contacted bb & t to advise them that I believe I know who intercepted my card and made those charges. Yet Im treated like the criminal every time I contact them. Im constantly promised supervisor callbacks but never receive them. I have no way of speaking to anyone that can help me and will soon have no access to a working phone. Please help me get this resolved.
Product: Credit card

I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Bank of America informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Bank of America and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( BOA ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Bank of America again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Bank of America has been nothing but trouble to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to unfreeze my credit report. To get an Bank approval to open up an acct. Equifax Credit Bureau keeps saying they cant verify me, but yet they send me mailings, XXXX  and XXXX  can identify me even though I have identity theft!!! And since Equifax can do a Data Breaches against me, yet they cant identify me. This is so bogus!!! I want my credit report unfrozen so I never have to deal with them again and I WANT THEM SUED FOR THIS DATA BREACH ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : This account was disputed on XX/XX/XXXX  and XX/XX/. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian in regards to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. Despite the passage of time, I have not received any response or resolution from Experian. The following are the details of the disputed account and the required correction : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX was never late, and I insist that Experian immediately removes the late payment status associated with this account from my credit report.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhaloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

.

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.