23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/2024 SUBJECT : REQUEST FOR PERMANENT OPT-OUT AND BLOCKING OF PERSONAL INFORMATION BY SAGESTREAM AND CORELOGIC To Whom It May Concern, I am writing to file a formal complaint against SAGESTREAM , LLC and XXXX, XXXX, requesting that these companies take immediate action to permanently opt me out of their credit reporting systems and block my information from being sold or shared. 

SPECIFIC REQUESTS : 1. PERMANENT OPT-OUT : I request to be permanently opted out of SAGESTREAMs and XXXX  databases, ensuring that no personal or credit-related information about me is shared with third parties under any circumstances. 
2. BLOCK MY INFORMATION : I demand that both companies block my information entirely and ensure that no reports or data concerning me are provided to any creditors, lenders, or other entities without my express consent. 
3. PROVIDE A PIN : Please provide me with a Personal Identification Number ( PIN ) that would allow me to unblock my information in the future, should I choose to do so. 
4. CEASE SELLING MY DATA : I demand that SAGESTREAM and XXXX immediately cease selling or otherwise distributing my credit report or personal information to any parties. 

BACKGROUND : As a consumer, I have the right to control how my personal and credit information is used and shared. Under federal laws, including the Fair Credit Reporting Act ( FCRA ), I am entitled to opt out of credit reporting systems and protect my information from unauthorized access or distribution. 

SAGESTREAM and XXXX  practices of compiling and selling consumer data without proper consent are concerning, and I am requesting the CFPBs intervention to ensure these entities comply with federal regulations and my specific requests. 

RESOLUTION SOUGHT : I am asking the CFPB to : 1. Investigate SAGESTREAM and XXXX  handling of my personal information. 
2. Ensure both companies honor my request to permanently opt out of their databases.

3. Require them to issue a PIN for future access, should I choose to unblock my information.

4. Confirm in writing that my personal information has been blocked and that no further data sharing will occur.

This matter is of significant importance to me, and I trust the CFPB will take the necessary steps to protect my rights as a consumer. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Student loan

I have a loan with NAVIENT I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violationwhich I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX.
Product: Checking or savings account

I signed up with XXXX  to help my business get referrals from clients. They also provided me a merchant services processing company : XXXX aka XXXX  aka XXXX. 

After a year, at the end of my contract, I asked to cancel my account which I did in XX/XX/XXXX. 

I sent the credit card processing machine back to XXXX. / XXXX. I never used the credit card processing machine. 

XXXX continued to charge me for credit card processing for two years after I cancelled my account with them. 

They billed me XXXX from XX/XX/XXXX through XXXX, XXXX. Then they raised the debit to XXXX on XX/XX/XXXX and again debited my account in XXXX in the amount of {$220.00}. At this point I went to work trying to discover who it was that was charging my account without any phone number or business name on these charges. 

My bank couldn't even see who it was. 

I had to get my bank manager to call XXXX XXXX and it was then we discovered who it was XXXX  aka XXXX  XXXX aka XXXX. 

I called several people including managers at XXXX. They did refund {$230.00} but refused to refund anything further. These people were rude, talked over me and refused to refund the entire amount. 

I did call them in XXXX to notify them I was closing the account. They however refused to close it. Continuing to charge me until XXXX when I put a stop payment on my bank account. 

I have had to close this account, so they will need to refund via bank check not a debit. I am sure you understand why. 

I am a life coach. I run a very small business. {$1400.00} is a lot of money to me. Big corporations should not be allowed to run ruckshod over small companies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in XXXX AND XXXX to be removed. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting

I 've been disputing an account with XXXX XXXX for approximately a year now and have been sending required documents to them regarding an account that they listed on my Experian credit report as a {$270.00} charge off. After providing them with receipts they finally removed the charge off from XXXX of the XXXX credit reports. ( XXXX and XXXX records have been updated ). After several attempts, I still can not get Experian to update their records. A rep from XXXX has already confirmed that they have sent the updated info to Experian but the charge off still remains on my credit report 6 months later.
Product: Credit reporting or other personal consumer reports

Violation of my right to privacy as provided in the attachments provided to CFPB and Experian I XXXX t give permission for those accounts to be published
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was hired by an XXXX XXXX as a delivery driver. As part of the screening process for the job, the XXXX ordered a background check from Accurate Background ( www.accurate.com ). 

Accurate promises background check results within 10 days. I'm writing this complaint on XX/XX/XXXX, and Accurate has still not completed the background check. It's been over two months. 

I have contacted them via email multiple times and, at most, all I receive in return is copy & pasted responses with promises that lead no where. 

The FCRA mandates that background checks should be completed in a reasonable time frame. Two plus months is not a reasonable time frame. 

Accurate 's inabilty to produce a background check has cost me considerable loss of income and hardship. Furthermore, Accurate has likely cost me the job I was hired for as few employers can wait two plus months for a hiree to be screened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Experian 's National Consumer Assistance Center notifying Experian that there were inaccurate addresses on my current Experian consumer credit report in addition to removing wrong phone numbers and wrong employment information. 

I received a vague letter that regurgitated the same address info with some minor changes, but no addresses were deleted. 

I later disputed the inaccurate addresses again in my online Experian.com account on XX/XX/2019 and Experian responded by adding a Geo code number to each of the addresses. 

Today, XX/XX/2019 I am filing this report to the CFPB as I have done what I can to have Experian take action on removing these inaccurate addresses. I am now attempting to remove these entries by force with the CFPB 's assistance as Experian has violated my consumer rights. 

I am also sending another letter to Experian to let them know I am filing this formal complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were reported delinquent on 90 and 120 days in XXXX of XXXX and XX/XX/XXXX. During tjis time my loans were on forbearance. As a reault my credit score dropped over 100 points. 

I contacted fed loan servicing and was told to send in the dispute form which I did roughly a month ago. My credit report was just updated and I was notified my dispute was closed, but the false negative reporting still remains.
Product: Credit reporting

XXXX new accounts were reported opened under my name by TransUnion as follows : XXXX ( Acct # XXXX ) and XXXX XXXX ( Acct # XXXX XXXX XXXX ). These accounts do not belong to me. I did not open these accounts. 
I was reported delinquent on another account from XXXX XXXX ( Acct # XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. This account does not belong to me. I did not open this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ste
p 2 : What type of problem are you having? Deletion of bankruptcy with Transunion Step 3 : What happened? I spoke with a lady in the special handling department at transunion and I asked her how she got the information about a bankruptcy with my name under it. She told me that they have a 3rd party that looks into these things and places them on your credit I sai  d how did you get my social security number. She told me that the courts gave it to the company (   XXXX   ). I called the courts ( spoke to a lady named  XXXX  ) and she said we do not and can not give out someones full social security number. When I told transunion that, she told me well what do you want me to do about that? I told her take it off my credit report and she told me no and gave me consumer financials information if I had a problem Step 4 : What co  mpany is this complaint about? transunion Step 5 : W
ho are the people involved?
Myse  lf  (   XXXX   XXXX  ) and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( Equifax ) Tracking # XXXX ( XXXX ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX  Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # XXXX
Product: Mortgage

I got pre-approved for XXXX XXXX XX/XX/XXXX Found a house had a closing date of XX/XX/XXXX Had trouble getting appraisal done, loan went over the 90 day mark. 
New closing date of XXXX?? They would never give me an official date. 
Every month I had to give them new paystubs, a prove I still work. 
XXXX XXXX asked for a XXXX for a company my husband works for. 
Our accountant could not get us a XXXX because we are not listed on it. Our accountant wrote a letter stating we are not owners of a company. So XXXX can be provided. 
XX/XX/XXXX ALL accounts are closed on Rocket Mortgage, No one will return my calls or emails. I call the company multiple times they said everything looks great on their end? 
Afternoon XX/XX/XXXX I get a call from someone I never talked to, and they said " yeah we sent you an email we dropped you and wont do your home loan ''? I asked why and they said because I couldn't provide the XXXX they requested and " they know '' we should have XXXX. 
XXXX XX/XX/XXXX I still have no email stating my accounts are closed. When I called to get a copy of the appraisal I paid for and NEVER got a copy of they said they don't have it. It wasn't done. But I know it was done because it was checked off the list. 
They also said I had to have proof I could get homeowners insurance. But they wanted the insurance company to remove things from the insurance that is a requirement of the state. When my insurance company talked to them, RM ask if it could be removed or left off the policy.
Product: Bank account or service

Bank of America is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed XXXX, XXXX, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company
Product: Credit reporting or other personal consumer reports

I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 1666b ( 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. ) Discrepancies exist among XXXX ( XXXX late payments ) and Equifax ( XXXX late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX bank also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.
Product: Credit reporting

Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX 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: Debt collection

A company by the name of Complete Payment Recovery Services , INC sent me a letter saying I owe for a return check and a fee. The address of the company is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it has a return to address which is Complete Payment Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and the phone number is ( XXXX ) XXXX. They are asking for my banking information to collect a debt and it has a control number of XXXX. I called the company they are trying to pretend to be which is XXXX. The mail is trying to pretend to be from XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX and they said it was a false information mailed to me.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I do not recognize these inquiries
Product: Student loan

I made a call to what I thought was my student loan lender of XXXX, it however ended up not being the true XXXX. The customer service provider attained my social security number and tried to " sell '' me a buy in to student loan forgiveness for {$3000.00} at this point I knew this wasn't the XXXX that I was trying to contact. I have reported to student loan services.gov. They advised me to report this experience here too. This company hacked my password and log in info to my federal student loans and reset my information. This happened on XX/XX/2022 at approximately XXXX. I have since reset and secured my student loan log in.