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

XXXX had offered a promotional savings offer if I used their credit card. This offer would have saved me {$100.00} off my purchase if I used their credit card. So, knowing my credit score to be around XXXX, I applied for a XXXX credit card. 

The application was not approved. It was somewhat embarrassing ; I have never before been rejected for a credit card application. 

A few days later I received a letter in the mail from XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX Fl. XXXX ) stating the reason that my request was denied was that the Credit bureau reports that the applicant is deceased. 

Well, I'm not. 

The credit agency reporting this error is you, Sagestream LLC ( XXXX XXXX XXXX XXXX XXXX CA. XXXX ). 

I have several questions : 1. Where do you get your information from?

2. How does this error get corrected?

3. How deep does this go?

4. Who will provide me the {$100.00} I would have saved had my information been correct is the first place?

I primarily use XXXX to check my credit scores, yet they still have me alive and well.

I appreciate your prompt correction to this error, and your prompt response. 

Thank you, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX Balance : {$8400.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX Balance : {$4800.00} XXXX Balance : {$8800.00} XXXX XXXXXXXXBalance : {$8600.00} XXXXBalance : {$7400.00XXXX XXXXXXXX XXXXBalance : {$4500.00} XXXXBalance : {$3600.00} XXXXXXXX XXXXBalance : {$5700.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Westlake Portfolio Management bought my car loan from XXXX XXXX XXXX on XX/XX/2020. I received correspondence that the amount due was {$420.00} to be paid on XX/XX/2020, but the actual amount due on that date was {$380.00}. In addition, I was sent correspondence that their records indicated I was participating in ACH withdrawals with XXXX, but this is not correct. Further, I was sent correspondence that my insurance was lapsed, or terminated. I called to ask about it, and when pressed who reported this information to them, they indicated the name of my insurer was " Your Insurance '' which is incorrect. My insurance did not lapse, and it was not terminated. The total amount due on the loan was mailed to me ( {$5400.00} ), and it was different than the total amount due on the loan reported online ( {$5400.00} ). I feel that the fraudulent information sent to me is an attempt to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to open an account. I have tried contacting them, disputing this with the credit bureaus and they have done nothing. I never opened this account, they claim to help build credit if you secure a {$500.00} deposit. Then you can barrow against it, I never asked for this, but they will not adhere to my demands to remove this from my credit report. 
I have never made any agreement or acceptance for their service. I have never paid on this, nor have I ever asked for this. Please help This account was closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$550.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance $ 550 Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 11 mos ) Term 12 months ( 1 year ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 30-59 Days Late Worst payment status 60-89 Days Late ACCOUNT DETAILS Account status Closed Type Secured loan Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I am a victim of identity theft. This company is reporting fraudulent inaccurate information on my credit report. The account does not belong to me.
Product: Checking or savings account

My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. After numerous complaints they finally called but I missed the call. I immediately called back to leave the message hoping to get them to call me back but to no avail to this day.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX  XXXX Address XXXX XXXX XXXX Account number XXXX NAME XXXX XXXX XXXXYour NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear, XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to XXXX when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what Lazega & Johanson LLC is. I've reached out directly to this company. I have two unauthorized inquiries ( XXXX, XXXX ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
Product: Credit card or prepaid card

Monday, XX/XX/22 I called Black Card - Barclays- and reported suspected fraud involving my card. I was not sure but suspected it strongly enough to put a hold on my credit card and to check what charges had been made. Representative confirmed my last charge was the one I had made previous to the suspected fraud charge. I asked for Barclays to put a hold on my card and to suspect my card number to be used in potential fraud beginning immediately. Representative went through the protocol to get that accomplished ( asked to speak to the primary card holder -spouse- verified last four digits of SSN # and asked what site was suspected of the fraud -XXXX XXXX XXXX ). This representative instructed that my card was on hold immediately and no charges matching my credit card would go through. The very next day, On XX/XX/22, a {$79.00} charge to an XXXX was approved and went through as a charge to my account number on hold. Last XXXX on XX/XX/22, ( approx. XXXX XXXX XXXXXXXX ) I immediately called Barclays 24 hour member representative number on the back of my card ( Not Concierge number as I had done on XX/XX/22 - because it was currently XXXX hours PST ) and XXXX, the representative could not help me in any way because his system was down. 
I asked for a Supervisor to call me back when the system came back up but I have not received a call as of this XXXX  on XX/XX/22. No charges should have gone through on a card I reported potential fraud on a day prior AND went through the Concierge phone number on the back of my card to report it as such! I asked to put a hold on my card ( also checked to make sure the last charge which was made on my charge card was at XXXX XXXX XXXX  XXXX earlier before suspected fraudulent site of XXXX XXXX XXXX ). I am not responsible for the {$79.00} charge from an XXXX on XX/XX/22 ( which was fraud ).
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries. The transactions in question do not reflect my creditworthiness and XXXX not be legally reportable.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the statement made on the response to the dispute that I filed with XXXX, dispute # XXXX XXXX stay that You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 

I am hereby disputing that complaint number listed above and i hereby formally request from XXXX a complete description of and all procedures used and any a copy of any documents and or detailed information as to what was provided to you, XXXX thus elevating you to the determination that this this is a valid account, and show me what XXXX used and who assisted you in the determining the accuracy and completeness of the complaints and violations that have been reported and disputed to date. 

Please provide me that information for every dispute that I have have filed with you since XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Debt collection

I recently had a collections account added my credit from I.C. systems Inc. I have no reciliation of any debt owned. I have never received a letter in the mail, email or phone call regarding this debt. The debt just appeared on my credit report. For this reason I was never given the opportunity to dispute and never given an account number to reference the debt. When trying to file a dispute on the I.C. Systems website it ask for a full account number linked to the debt. However, because I have never received notification of the debt, I do not have the full account number to dispute, only the few numbers listed on my credit report.
Product: Credit card

On or around XX/XX/XXXX I received a credit card from Discover ( XXXX XXXX XXXX XXXX ) which I never applied for. 

Because of the XXXX season I called Discover on XX/XX/XXXX to ask why I received this card I never applied for nor did I activate it? I was informed the card was used to get {$7000.00} through XXXX XXXX via XXXX XXXX? 

I have since called Discover fraud department numerous times to have this corrected to no avail so far, as of today XX/XX/XXXX.
Product: Vehicle loan or lease

I contacted GM Financial and spoke with a representative back in the beginning of XX/XX/XXXX to inquire about getting my payments lowered because my father was just diagnosed with XXXX and I would be helping to pay his bills. The rep tried to help but informed me that I couldn't lower my payments on my vehicle. I continued to call every month I knew my funds were going to be short but the company didn't help to lower my bills in which late marks was charged to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My father passed in XXXX of XXXX. I called the same month to inform the company about my XXXX payment but I still didn't get any help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I called my bank, Discover Bank, to request a domestic wire transfer of {$1000.00} from my account into my boyfriend 's account. I was told it would be done in one business day. I assumed that maybe my boyfriend 's bank is delaying the release of funds because it's the first time. He called his bank and they do not see any wire transfer coming in. So today is XX/XX/2019 I called Discover Bank to see what's going on and I was told that they had tried to reach me around XXXX  regarding this transfer. I was told that the Federal Reserve is requesting additional information of the beneficiary, my boyfriend, and I need to give them this information for him to receive the funds. They need his Nationality, immigration status, permanent residence address, place of birth. I called them back and told them if I can cancel the wire transfer and I was told by another representative that the funds couldn't be returned until the Federal Reserve has the beneficiarys ' personal information. He is from XXXX XXXX. The amount is {$1000.00} and it's a domestic wire transfer. I don't see the need for so much information.
Product: Credit reporting or other personal consumer reports

I filed 2 disputes with Experian for my student loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company XXXX XXXX that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute Experian said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again Experian came back stating the XXXX XXXX did not give them any change of amounts. I got a letter from XXXX XXXX XXXXXX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. Experian is the only credit reporting agency not removing the balance for me the others have corrected it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my XXXX credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried numerous times to contact this well as XXXX regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my personal information was use to acquired XXXX XXXX XXXX credit cards without my consent. The credit report that i obtained from Innovis credit bureau shows my personal information was incorrect as it shown in the attachment. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my report and on and I find that there is a balance from Capital One that I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by mail and submitted the CFPB complaint. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.
Product: Debt collection

Aargon Agency has put a debt collection on my credit report. I tried to find out why and couldn't get in contact with them a year ago so I thought it was a scammer. I tried to call them and didn't get a response and I have tried to contact them on the contact us homepage and no response.

How in the world does a company commit fraud and kill my credit score without me knowing why I owe them?
Product: Checking or savings account

I disputed XXXX charges with Key bank in my account ending in XXXX. For months The bank neglected to re-investigate and once reported to CFPB, Key Bank issued monetary relief in the amount of {$300.00} ( only after months and months of me begging for a thorough investigation. 

In addition, Key Bank negligently reported this account to chexsystem as an overdraft account. I have since been denied the opportunity to open a bank account due to this. I have reported this before thru CFPB and directly with Key Bank and Key. Recently I received a letter from key bank stating they never reported the charge off to XXXX but they referenced the wrong checking account. They referenced account ending in XXXX. 

The account they erroneously charged off was account ending in XXXX not XXXX so why I got a letter referencing account ending in XXXX makes no sense to me. Again, no one investigates thoroughly. 

Once again, KeyBank has failed to properly investigate this account. I am exhausted. I have been dealing with this for XXXX months. 
KeyBank has not been responsive, as no one has returned my phone calls, letters or emails, furthermore they have not thoroughly investigated anything I have requested they investigate.