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

SageStream , LLC, Consumer Office,XX/XX/XXXX XXXX, XXXX XXXX, CA XXXX provided FALSE and libelous information to XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX XXXX for an application for an XXXX credit card that I've held before. 

All credit bureaus XXXXXX/XX/XXXX, and XX/XX/XXXX) all state my score as a XXXX. SageStream , LLC, falsely and libelously states my credit score as a XXXX out of XXXX. 

I am a permanent federal employee serving the medical mission of the federal government previously at DoD and VA and my job requires me to move frequently. SageStream , LLC used my movement and change of phone numbers as a permanent federal civilian employee serving during the pandemic TO DENY MY CREDIT. 

IF XX/XX/XXXX and XX/XX/XXXX state my credit worthiness as XXXX, where does SageStream , LLC get the XXXX number? It doesn't, SageStream , LLC LIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Chex Systems , Inc.. PLEASE REMOVE FROM MY CREDIT REPORT 1. XXXX : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a concern about the compliance procedure Equifax are following. I have tried to resolve this matter multiple times. Please help me hold Equifax accountable. The inaccuracies and identity theft pertain to my credit report with Equifax, specifically related to my auto loan account number XXXX associated with XXXX XXXX XXXX XXXX and an account from XXXX with the account number XXXX. These inaccuracies flagrantly contravene crucial sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. Of significant concern is the erroneous depiction of a 60-day late payment for XXXX, despite preceding months reflecting consistent and timely payments. Additionally, critical months, such as XXXX, XXXX, XXXX, and XXXX, exhibit missing account activity data, leading to an incomplete depiction of credit activity. 

The account status designation, incorrectly indicating NOT MORE THAN TWO PAYMENTS PAST DUE, contradicts the factual payment history and lacks essential details such as a date of last activity. Furthermore, the reporting of the account status as open or delinquent conflicts with the actual status of the account, which has been paid/closed or paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; CPS Inquiry Date : XX/XX/XXXX ; CPS Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, XXXX, and XXXX due to their failure to ensure the accuracy and verifiability of the information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question, Account # XXXX, has multiple inconsistencies and inaccuracies across the three credit reporting agencies, as outlined below : Specific Errors in Reporting Contradictory Payment Status and Remarks : TransUnion lists the account as " Charged off as bad debt, '' while XXXX and XXXX XXXX it was " Purchased by another lender '' or " Account transferred or sold. '' These discrepancies demonstrate conflicting reporting practices and raise questions about the accuracy of the data. 

Inconsistent Dates of Last Activity : TransUnion reports the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and XXXX states XX/XX/year>. These discrepancies violate FCRA requirements under 609 ( a ) ( 1 ) to ensure accurate and reliable reporting. 

Illogical Credit Limit and High Balance Reporting : The high balance of {$600.00} is listed, but the credit limit is shown as {$0.00}, creating a contradiction and suggesting that the reporting is incomplete or unverifiable. 

Incomplete Payment History : TransUnion and XXXX report payment histories, yet XXXX does not, even while classifying the account as " Derogatory. '' This inconsistent reporting further indicates a failure to maintain accurate records. 

Legal Basis for Dispute Under 611 of the FCRA, all information on a consumer 's credit report must be accurate, complete, and verifiable. Given the inconsistencies and lack of verifiability outlined above, this account does not meet the legal requirements for inclusion on my credit file.
Product: Debt collection

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

THEY NEVER RESPONDED
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to Equifax, XXXX and XXXX about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.
Product: Checking or savings account

Hello, back in XX/XX/XXXX, I made XXXX payments to XXXX XXXX XXXX for a sale they were advertising. It seemed legit from the website, so I bought {$93.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, and {$24.00} on XX/XX/XXXX with my Credit Karma spend account debit card. After a few months when I received no product or email about my products, I emailed the company. They have no other way to contact them. I got an automated email back saying the warehouse is behind. No matter how many times I emailed, I got the same response. Now over a year later after Ive made those purchases, I realized my money was truly stolen so I decided to try and dispute it with Credit Karma. My dispute was denied and their only reason was no error occurred. No error? Ive lost out on nearly {$200.00} from a scam. That money was STOLEN from me and Credit Karma says no error occurred? I need that money back and that scam website shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX   XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Closed a Credit Card I have from XXXX XXXX. I have not closed the account and made my Score dropped 10 points all XXXX XXXX  did changed the lost 4 numbers the end of credit cared. I Spoke to EXPERIAN agent his name XXXX  refuses to listen to me this is the second times EXPERIAN done that to same credit cared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXXXX/XX/2021 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that XXXX. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Also known as XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX Accounts XXXX XXXX XXXX XX/XX/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 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 INQUIRY XXXX XXXX XXXX XXXX XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action Factual Data XX/XX/XXXX no action Factual Data XX/XX/XXXX no XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a   XXXX   balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified that there was a hard inquiry on my credit report from Syncb/ppc ( XXXX, MD ). I learned that this is related to my PayPal Account, which I created a month ago only for an XXXX purchase. I was told that a credit account was established under my name. I never initiated a credit account and believe this is likely a fraud situation. Paypal said they would look into it, but I never heard back.
Product: Vehicle loan or lease

My car was financed with NMAC nissan, a long time ago. 

in XXXX i refinance with loan with NMAC, to XXXX XXXX. The loan was paid in full in XXXX XXXX XXXX 

I was notified by the XXXX  XXXX office that

Nissan still has a lien on my car, when i went to get the title. I spoke with Nissan in XXXX about the issue, they apologized and said they will mail me a release of lien letter to get my title. and to wait XXXX business days to get the letter. 

After i didn't receive the letter, i called back and was informed that they didn't send it. because they needed something from XXXX saying it was paid in full. 

I spoke with XXXX  and they sent me a signed, notarized letter saying it was paid if full. and i sent to back to NMAC.

they received and accepted the signed letter, and they said they mailed me a copy of the title on XX/XX/XXXX. and to wait XXXX business days to get it. 

So now, im XXXX business days later, and still haven't got the letter.
Product: Mortgage

They have been receiving payments from XXXX XXXX XXXX XXXX and have not been applying payments. I have check numbers from haf and dates when they cleared and they still wont apply payments and just hit my credit score with a delinquent charge took a hit for XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, this agencies and companies have violated my rights. 15 U.S. C 1681 section 602A. States I have the right so privacy 15 US C 1611 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On XX/XX/XXXX I received notification from XXXX XXXX about a hard inquiry from Wells Fargo on XX/XX/XXXX that I had not requested or consented to. I reached out to Wells Fargo on XX/XX/XXXX, and they were able to find an account attached to my name and social security number. While they were willing to close the account at the end of the call when I explained I couldnt go in person as they requested because my nearest Wells Fargo is multiple states away, they would not provide me any information regarding the account as they couldnt verify me as the owner of the account. Clearly, I would lack some of the information attached to an account opened fraudulently. 

I will note I think its possible there is an old Wells Fargo account I opened when I was younger and forgot about it ( a decade or so ago ), but that would fail to explain the new hard inquiry. I requested to know when and where the account was opened and they would not disclose it. I find it particularly strange that they were able to verify my identity enough to be willing to close the aforementioned account, but refused to tell me anything regarding the account. I need this information to have a clearer idea what steps need to be taken to protect my identity and information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts on my credit report. I recently obtained a copy of my credit report and discovered two accounts that I did not authorize or open. These accounts are : XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  I believe these accounts were opened fraudulently in my name. I have never applied for, nor have I authorized anyone else to apply for credit products with XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX. 

I request that these fraudulent accounts be thoroughly investigated and removed from my credit report as they are inaccurately reflecting my credit history and negatively impacting my credit score. 

To resolve this issue, I am requesting that : A fraud alert be placed on my credit file. 

These fraudulent accounts be blocked from my credit report. 
I receive written confirmation of the removal of these accounts. 
I am also forwarding this letter to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  for their immediate attention and resolution. I expect a prompt response from your agency regarding this matter. Under the Fair Credit Reporting Act, you are required to complete this process within 30 days of receipt of this letter. 

Thank you for your prompt attention to this serious matter. Please contact me if you need any additional information.
Product: Checking or savings account

On XX/XX/XXXX, I was notified by my bank ( USAA ) messaging, and also by email, that a person, who is of no relation to me, was able to add himself/ his information to my bank account. 

The notification read " you were recently added to the personal profile of XXXX XXXX. If you have questions, please call ( us ) '' When I accessed my account, however, I found that this person was listed as a child of mine, listed along with my actual son, and my wife. There was no " confirm '' option, nor was I ever given an opportunity to confirm this change to my account. 

I called USAA today and explained the situation, they did some work behind the scene and the name was removed from my account, however they were not able to provide an explanation as to how this persons information made its " way onto my account in the first place, given that I did not authorize it. 

The persons name is no longer on my account, and the rep with whom I spoke indicated that she was surprised that it was removed so fast and surmised that " the system must have corrected itself '' ... I shared my concern with a coincidence of this convenience, given that I called in and then, suddenly, the name is removed from my account.
Product: Student loan

Dear AESXXXX XXXX  , I'm writing to you with a heavy heart, still reeling from the sudden loss of my beloved XXXX XXXXXXXX XXXX XXXX Just two months after I paid off his student loans in full, he was taken from us far too soon. As his co-signer, XXXX XXXX, an arrangement between my grandson and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$110000.00} in XX/XX/year>. It was a sacrifice I made with love and hope for his future, but little did we know that fate had other plans. As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXX 's passing has left our family in a state of grief and financial uncertainty. My wife and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. I implore you to consider the extraordinary circumstances surrounding XXXXXXXX XXXX XXXX  and our situation as a family. I've already endured so much pain and sacrifice to ensure his education was paid off. Now, I'm left with the weight of this unexpected loss and the financial strain that comes with it. I understand that AESXXXXXXXX XXXX has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens I'm now facing. Please, I beg you, consider my request for a refund or any other possible alternatives that can alleviate my financial burden. I'm begging you, please consider my request with an open heart and mind. I've already lost so much - we've lost our beloved grandson, we've ost our peace of mind - and now I'm facing financial uncertainty and my fight to live on. I'm asking you to show compassion, empathy, and understanding. Thank you for taking the time to read my story. Sincerely, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX