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

I have never authorized SageStream LLC to access any of my credit reporting. I have a freeze on XXXX, XXXX and XXXX   because I did have identity theft which I had to involve the police in the city I live in because someone was fraudulently using my information. I don't know who this sagestream company is and I don't want them, nor did I ever allow them access to any of my information and they refused to stop accessing my information without my authorization. They are impacting by reporting to my bank a low credit score over 200 points less than what my actual credit score is. They're providing information to companies that I have never submitted a request for credit through. This is fraudulent activity unauthorized by me that has to do with my credit.
Product: Credit reporting or other personal consumer reports

When looking over my recent credit reports I came across some accounts XXXX XXXX XXXX amount {$6800.00}, XXXX XXXX amount {$3000.00} that i dont recognize. Ive tried disputing the account because im currently trying to purchase a home and nothing has been sent back to me as far debt validation or updated credit report. This Agency is in violation of This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor only i can validate this debt. i do not validate this debt. My information was also involved in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 ;
Product: Debt collection

Midland Credit Management has called my wife 6+ times a day from a blocked or restricted number.  They continue to call me from the same restricted number despite being advised they cannot reach her at this number.  These calls are being auto dialed, which I specifically told them we do not accept.  There is often no one on the other line,  or a 15 second delay while they connect.  By blocking their number intentionally,  they limit their capability to be held accountable for TCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of 1974 no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been paying my Mortgage bills to Masshousing and they mixed my payments and they screwed my credit with out no reason because the payments always on time they know about this I need to fix my credit berau
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX OF XXXX XXXX XXXX XXXX XXXX CRDTONEBNK XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am formally disputing a late payment reported on my Best Buy ( Citi ) credit card account.The reported late payment is inaccurate due to two factors : 1. The payment was initiated using an incorrect bank account that failed to process.

2. My mailing address was not updated in your system, so I never received any notices or billing reminders regarding the missed payment.

Once I became aware of the issue, I corrected the payment method and updated my mailing address. I believe this late payment should not be reflected on my credit report, as it was an unintentional oversight and not a reflection of my creditworthiness. 

I am requesting that this late payment be removed from my credit file under the Fair Credit Reporting Act ( FCRA ) due to it being the result of address and system errors.
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 XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account 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

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

XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX, XXXX  Account Number XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Bank account or service

In XXXX 2015, I used my bank card to pay for a hotel reservation and immediately requested a refund, because the provider could not accomodate with a closer location to a workshop I was attending. I asked the hotel to give me a refund and was told they could not refund me because the transaction was done through a third party. I then contacted my bank to do a chargeback. I filed XXXX claims with my bank and received a letter recently that they closed my account because of overdraft fees and would not refund my money from the transaction. The account is now in collection and my claims are closed even though I submitted the letter from the third party acknowledging the transaction. 
No one will give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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  XX/XX/XXXX ; If the XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

I took out a short term payday loan with Speedy Cash. I authorized them to take one payment out of my account of XXXX on XX/XX/XXXX. Instead speedy cash sent an ACH withdrawal to my account that cleared and also charged my debit card. They took the additional XXXX that was not authorized causing multiple overdraft fees with my bank totaling XXXX. Also transaction checks were bounced because of speedy cash taking two payments out of my account that was not authorized. The payments I made to other merchants were charged NSF charges totaling XXXX in addition to late fees posting to my other accounts because of this error
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited {$500.00} USD into Coinzoom via ACH Bank Transfer. Prior to making this deposit, I provided CoinZoom with my US Drivers License, Social Security number and personal information they requested. I was able to purchase crypto currency, however I can not do anything with my funds like move them to an external wallet or even back to my bank for 30 DAYS. My funds won't be available to move until XX/XX/XXXX. How is this legal? I have provided CoinZoom with all the documentation they have asked for before making the deposit and would be more than willing to provide any additional verification they need to confirm my identity. Coinzoom is holding my funds for an unreasonable amount of time for no valid reason. They claim they have outrageous hold times on funds to protect themselves against bad actors however they can not punish law abiding citizens because they do not vet customers thoroughly. When I provided them with the information they requested to verify my identity before I made the deposit, I entrusted that my deposit would be cleared within a reasonable time frame. Traditional banks dont even hold Ach deposits for 30 days. I would like the holds on my funds released immediately.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit card

This concerns an unauthorized charge to my card for {$1300.00} on XX/XX/XXXX by XXXX XXXX XXXX. 

Because I believe this is theft, Id previously reported this to the " fraud team '' and they concluded this was a dispute because I had other business with the merchant. 

I want to be clear : this was an unauthorized charge. 

The merchant used my card details to charge {$1300.00} without my approval, consent or knowledge. 

I never signed anything and, of course, I never agreed to this charge. 

Since I never signed anything there is no documentation. Unless the merchant forged my name or created something after the fact, there is nothing to show I authorized this charge beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I noticed inaccurate info on my credit report, I send Trans Union, a letter on XX/XX/XXXX requesting the inaccurate info to be removed and other things I noticed. ( Please see XXXX XXXX. 

XXXX. Trans union responds XX/XX/XXXX in what appears to be a stall tactic letter Please see XXXX XXXX XXXX does not address the inaccurate info at hand only stating it appears I am using a third party. 

My letter on XX/XX/XXXX did not come from anyone other than myself. I included a copy of my identification and proof of mailing. The letter never addressed removing the wrong name/address on my account or any of the other things stated on XXXX XXXX. 

So I sent another letter to Transunion, ( Please see XXXX XXXX ) stating the letter came from myself along with a copy of the ( XXXX XXXX ) requesting the inaccurate info was removed again. After requesting to waiting XXXX days, and no response, I can Transunion XX/XX/XXXX @ XXXXXXXX XXXX to find out why haven't I received a response to the letters I've sent. 

Trans union XXXX refused to remove the incorrect name off my report and the incorrect address, until a supervisor intervene on the call. When I asked them regarding the other inaccurate info, the representative kept asking would like to dispute? I said no, As I have already disputed the info in writing twice. I was told they did not open the letter. I asked them to honor my request of removing the info from my report for failing to report accurate info as required by law. 

Trans union refused. The gentleman kept asking over and over did I want to dispute and I replied NO as this info was disputed over XXXX  days ago. I was so hurt and frustrated I disconnected the call. I want this inaccurate infor as required by law removed off my report.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. After reviewing the details, I have come to the realization that these late payments are inaccuracies and do not reflect my actual payment history. 

I understand the importance of an accurate credit report and how it affects my overall creditworthiness. I am writing to formally request the immediate removal of these late payments from my credit report. I believe this action is necessary to ensure the accuracy of my credit history and to maintain a fair representation of my financial responsibility. 

JPMCB - AUTO FINANCE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB - AUTO FINANCE customer service representative. 

JPMCB - AUTO FINANCE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB - AUTO FINANCE customer service representative. 

I would like to highlight that these late payments are not a result of negligence on my part, but rather a mistake or error in reporting. I have consistently been diligent in making timely payments, and these late payments do not align with my financial behavior. 

To assist you in resolving this matter promptly, I have attached relevant supporting documents, including payment receipts and bank statements, which clearly demonstrate that the payments were made on time. I kindly request that you thoroughly investigate this issue and take the necessary steps to correct my credit report. 

I appreciate your prompt attention to this matter and request that you notify me in writing once the corrections have been made to my credit report. I look forward to a swift resolution and a corrected credit report that accurately reflects my credit history. 

Thank you for your understanding and cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have XXXX repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX finance is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

No consent was given by me to furnish anything on my Consumer report. No Consent is Identity Theft.
Product: Vehicle loan or lease

My husband, XXXX XXXX, financed the purchase of a new XXXX XXXX in XXXX. He had XXXX  XXXX at the time. He didnt even know what features the car had. He set up the direct withdrawal of monthly payments from our checking account which continued for years. He died in XXXX. The payments continued to be made. I made sure there were sufficient funds to cover the withdrawals. I expected that the withdrawals would continue until the debt was paid off. I am in my XXXX and developed XXXX  XXXX and symptoms of XXXX when he died. We had been married more than 50 years. He handled all the financial matters. I am completely inexperienced and uninformed about financial matters. I was not functioning normally. I couldnt even remember to XXXX XXXX XXXX XXXX I did not know that they had not collected the final payment. I didnt know that they sold the debt to a collection agency. I am slowly recovering some normal functioning. I found out that there is a lien on the car and my credit rating has tanked. I owe thousands of dollars. I dont even know why they didnt collect that final payment of around {$300.00}.
Product: Debt collection

So my sister sent me an email from this debt collector that had my sensitive information on it. I sent him an email and they have no information on me so I sent them the proof of the email today and Im waiting back to see what they say I wrote filed a complaint with XXXX XXXX XXXX where they state they dont have any information on me But its clearly its shows my sisters email with my name on it with the debt how much and payment planning and all that I asked them to stop sending emails that violate my rights.
Product: Mortgage

We have been working with a homeowner on a hafa short sale with PNC Mortgage. MONTHS AND MONTHS of them " losing '' paperwork - despite fax confirmations. Now they are telling this XXXX couple that they were declined for hafa due to " inconsistencies ''. They REFUSE to elaborate. I can not imagine any inconsistencies, however, per their hafa matrix, they are supposed to request documentation to explain. They refuse and are telling us that they will only give an explanation if the homeowner requests in writing - this is not acceptable. We have a good offer and these buyers will not continue much longer. They have offered them a short sale wherein they will not waive the deficiency without a huge contribution. This couple is on XXXX and has NO MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the U.S. 1681c-2 this is my statement that all of of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.