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

SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed.
Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them.
My score with XXXX is appro
x XXXX. SageStream appears to suffer more than a lack
of due diligence. They seem unwilling or unable to function as they 've been authorized to function.
Please do a web search to find numerous similar complaints.
I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th
ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra
m eventually pays.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their handling of my dispute concerning inaccurate information on my credit report. I believe that Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to address this dispute in a timely and appropriate manner. 

According to the FCRA, credit reporting agencies ( CRAs ) are required to investigate any disputes raised by consumers. However, despite my efforts to resolve this dispute, I have received no adequate response from Experian. This negligence not only undermines my rights as a consumer but also impacts my creditworthiness. 

Furthermore, I wish to highlight another serious FCRA violation where Experian has, without valid justification, deleted a positive account from my credit report. The FCRA mandates that CRAs provide accurate information about a consumers credit history, which includes maintaining positive accounts that reflect my true creditworthiness. Deleting such accounts without reason is unjust and falls short of the compliance standards set by the FCRA. Clearly states account Paid/ Closed/ Never Late I also want to point out that Experians assertion that it takes 30 days to contact a creditor is misleading. Such communication typically occurs in an electronic format and can be executed much more swiftly. Therefore, I find Experian 's delays unacceptable and indicative of a disregard for the law and my rights as a consumer. 

I kindly request that the CFPB investigate this matter thoroughly. I seek a resolution that includes the reinstatement of the positive account on my credit report and appropriate action against Experian for their unlawful practices as mandated by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card

Barclay Card Servicing is the worse card servicer. I had to file a dispute XXXX for unauthorized fraud transactions. The first time it was n't inputted in the system correctly according to the representative, the second time it was acknowledged and I received a dispute number. However, no provisional credit was given and the account was marked past due because nothing happened for a month. I called today XXXX and inquired again and it was stated by the rep. that he will put in the provisional credit today. That 's a month since my dispute was accepted so it appears they do n't care about timing and really addressing customer issues and concerns. They want to hurry up and get you off the phone right away without listening to what exactly you need. Please look into Barclay Cards as they are definitely the worse when it comes to handling fraud transactions or looking into unauthorized transactions.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed XXXX $ from this company & my first payment is XXXX XXXX I cant afford this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 at XXXX I made transfer Walmart to Walmart online using XXXX XXXX. My wife was already there to pick up the money but was told I needed to call to verify info first and the amount exceeded the amount allowed to be received. At this point I called customer service at XXXX XXXX  to cancel the transaction I was told I couldnt cancel transaction because u needed to verify info first so I was transferred to department for verification and was on hold for over 3 hours. Once I finally verified all info I cancelled transaction but was only refunded partially due to not canceling in required 30 minutes although I was not allowed to. I have recorded communications where customer service representatives misrepresented themselves as supervisors and refused to transfer calls and terminated calls although issues were not resolved. I have made dispute with my bank and am requesting full refund for XXXX due to not being able to cancel Im 30 minutes when I was told I couldnt. These tactics used are equivalent to sales fraud and the customer service representatives handled this poorly and were very disrespectful
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, I was scammed multiple times on Cash App and the app refused to refund me. The first time I was scammed on XX/XX/XXXX, a friend of mine conned me into loaning him {$1000.00} across XXXX separate payments on cash app to help him with his rent and medical bills, saying hed pay me back, but then of course he never did. I requested a refund, but due to Cash Apps policy of allowing people to decline giving a refund, of course the scammer refused. Cash App took no responsibility. 

The next day, XX/XX/XXXX, I was on the phone with Cash App support. They said they would have a specialist contact me about the situation. Call disconnects, a moment later I get a callback from someone claiming to be Cash App support. Turns out, it was clever phishing scam. Somehow the scammer knew all the details I had shared with the support line so I had no reason to think anything was amiss, and I followed the guys every direction. XXXX hour later, this scumbag tricked me into sending close to {$700.00} to him in bitcoin, using the cash app, as a dummy transaction, where that transaction would be cancelled and that money, plus my original {$1000.00}, would be refunded. I shouldve known better, but I thought Theres no way Cash App would be so callous as to allow their phone lines to be bugged by a scam call center. I was dead wrong, son. 

Of course, Cash App still refuses to refund my money. I filed a police report and disputed the charges with my bank, so I got *some* money back, but theres no guarantee Im getting all of my money back. At this point Im down almost {$2000.00}, money I worked hard and saved up for, all because scammers took advantage of my naivety and Cash App simply does not care enough to prevent fraud or protect their customers.
Product: Vehicle loan or lease

On XX/XX/XXXX the lease terminated on my XXXX XXXX vehicle and I returned it to XXXX XXXX in XXXX XXXX. Prior to returning the vehicle I had all body damage repaired and the car waxed and detailed so that it was in pristine condition. 
Per BMW, I called prior to make an appointment for the transfer. When I arrived I was informed that there was no appointment scheduled and that I would have to wait for someone to help with the transfer and paperwork. After waiting for 1 hour a staff member, XXXX, introduced himself and said he would take care of us. I gave him the keys and waited another hour for him to return with a single paper for my signature. After signing, he said that was all I needed to do and the transaction was complete. 
On XX/XX/XXXX I received a letter from BMW financial services in XXXX   that stated there was excessive wear and use of the vehicle that amounted to {$1300.00}. I am currently disputing the charges but the car is no longer local for me to contradict their findings. We acknowledge the additional mileage of {$240.00} but not the rest of the erroneous charges. XXXX XXXX did not do a final inspection with me present to testify to the presence of any damage or excessive wear and use of the vehicle. I understand this is a common practice when relinquishing a leased vehicle back to the Lessor. BMW was negligent in their dealings with me by not providing this standard of service. After questioning XXXX XXXX regarding the Excessive Wear and Use charges they informed me that they also provide a Pre Inspection Service allowing the customer the opportunity to fix any problems or future cost issues with the vehicle prior to relinquishing. This service was never mentioned to me nor offered. Instead XXXX XXXX called on many occasions prior to the lease termination date trying to get me to purchase the vehicle. Not providing this opportunity to me at the local dealership allows them to charge fraudulently later and prevents me from actively disputing their findings. I sincerely feel that because I did not lease a new vehicle or purchase my existing vehicle I am being charged fraudulently. This type of business practice is unethical and needs to be reprimanded as it is very unfair to the consumer. 
We have left messages yet have not received a call back regarding the issues.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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: Payday loan, title loan, or personal loan

Unable to make full payment due on XX/XX/XXXX. Made half payment on XX/XX/XXXX after receiving and responding to a text message from One Main Financial on XX/XX/XXXX stating " OneMain : Would it help if you could make a one-time reduced payment of {$220.00}? You would resume XXXX r payments going forward and are still responsible for any other past due amounts. We're hereto wor k with you, so text me back or call XXXX for eligibility. '' Despite making partial payment, One Main Financial continue to place harassing phone calls to me up to XXXX times per day. I spoke to branch XXXX XXXX on XX/XX/XXXX who incorrectly said i was XXXX months late. I corrected her and advised i was only late XXXX a payment total for XXXX which she argued with me about and was adamant I was XXXX payments behind and then agreed and stated I was correct and was only XXXX payment behind. I advised I was in between jobs until XX/XX/XXXX and would not be able to pay until first check received. She then proceeds to ask when I can make the half payment I am late and she can't set up payment assistance as promised in text because I didn't have current pay stubs and I was only XXXX payment behind. She was very pushy and did not listen to me. I told her to move forward however she wanted since she wasn't listening to my situation and I was unable to pay XXXX payment at this time. Advised her to is she keeps calling multilple times per day and I would have to block their calls. I continue to receive multiple calls per day from One Main Financial from different numbers from their company.
Product: Mortgage

Since Specialized Loan Services ( SLS ), has assumed responsibility for my mortgage XX/XX/XXXX, I have experienced ongoing issues ( i.e., misc unexplained fees charged to my Escrow Account, additional principal paid and not applied, payments being significantly increased without justification and/or notice, etc. ). 

On XX/XX/XXXX I contacted SLS as I received an " Intent to Foreclose '' notice. I immediately called and spoke with XXXX. XXXX stated I had been XXXX cents short in my last 13 payments and owed {$1.00} to bring my account current. I was told that due to my BK status, I was not provided any documentation/notice ( NOTE : My BK was completed and case closed on XX/XX/XXXX ). I paid the {$1.00}, reviewed my payment history with XXXX and was assured my account was current and I only owed upcoming XX/XX/XXXX payment in the amount of {$1100.00}. I was also advised by XXXX that they will now send me monthly statements and first one was mailed to me on XX/XX/XXXX. To date, I have not received the statement. 

I logged into my SLS account on Friday and saw a past due balance and notification they have a 'SUPPRESSED - BAD ADDRESS '' for me. I called SLS today as they were closed yesterday for the holiday. I spoke to XXXX ( Supervisor ) regarding address and confirmed the address SLS has on file for me is my correct address. She also told me my account was 60 to 90 days past due. I was then transferred to XXXX in Executive Services, who informed me her records show I was 90-days past due and that every month I make a payment, it is being applied to previous months. I let XXXX know that I have never been late with my mortgage payments and had been through this for over 2 years with SLS. I let her know that their accounting systems are incorrect not to mention NOT transparent. I explained my frustration that every time I speak to an SLS representative, I am told a completely different story about my account. I let her know I have an XXXX spreadsheet noting every payment made to SLS and date my checks have been cashed. I also told her I have {$520.00} in additional principal paid XX/XX/XXXX and XX/XX/XXXX that no one has accounted for to date ( has not been applied to principal or escrow account ). 

I am filing this complaint as a matter of formal record to complain about SLS 's accounting system/ lack thereof. How on XX/XX/XXXX can I be told I am current and 11 days later I am advised I am 90 days past due? Attached is my XXXX spreadsheet for your perusal.
Product: Debt collection

Dear XXXX XXXX XXXX, I am writing to formally dispute an account appearing on my credit report, as it has been paid in full and should not be reported as an outstanding debt. The account in question is : XXXX XXXX : Credit Resource Management Account Number : [ Unsure ] Date of Final Payment : XXXX Pursuant to 15 U.S.C. 6802 ( b ) of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without the consumers consent, except as permitted by law. Given that this account was paid in full, any continued reporting of negative or inaccurate information constitutes an unfair and unauthorized disclosure. 

I request that you immediately investigate and remove this account from my credit report due to this payment made to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Please confirm in writing that this matter has been resolved, and that the inaccurate information has been deleted from my credit report. Thank you for your prompt attention to this matter. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$48000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again with different address XXXX mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus
Product: Money transfer, virtual currency, or money service

USAA decided to sell off their investment banking business to XXXX XXXX. In the course of the transfer, my IRA was converted from to a standard brokerage account, which triggered a letter from the IRS. Apparently, USAA hired a company called " XXXX XXXX XXXX, XXXX '' to do all of this clearing and at some point, the account was converted to a brokerage account, which might have created a taxable event. The process is still ongoing but because of USAA 's actions, I will now be forced to spend numerous hours correcting their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Product: Debt collection

My medical bills were to be paid by Medicare insurance, which did not pay due to billing errors. XXXX XXXX XXXX XXXX XXXX ( XXXX ) accepted my Medicare Advantage insurance for services provided on XXXX XX/XX/XXXX. The bill was partially paid by my insurance, but the provider never submitted a corrected claim for the rest of their and the physician 's bill. I have never received a bill from either XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the physician 's bill. I contacted their billing offices repeatedly in XXXX and XX/XX/XXXX and was told they had lost my file, then they were changing billing companies, then I should stop calling them and they would submit corrected bills, and finally, I was told if I never received a bill, " so be it. '' Nothing was heard for 6 years when XXXX XXXX XXXX ( XXXX ), a collection agency, surfaced in XX/XX/XXXX and said I owed XXXX XXXX XXXX ( who I have never dealt with ), {$660.00}. I was also told the doctor was not obligated to accept my Medicare insurance- which is obviously not true since the facility accepted my insurance cards at the time. I sent XXXX documentation and they said, first, to have a nice summer, and a week later told me if I did not pay, they would report the unpaid bill to the credit bureaus. Nothing was heard for six months and then Credit Management Company, a new collection agency that has never billed me, reported an open account to XXXX. The alleged debt was for XXXX XXXXXXXX XXXX  - again a company I have never dealt with. I have researched XXXX and XXXX and learned they are both bankrupt and there are many similar instances of improper billing filed with the XXXX XXXX XXXX XXXX XXXX  ) in XXXX Texas. I tried to find out any information about XXXX XXXXXXXX XXXX  and was told they are a recruiting company that would not have ever billed me for professional services. They have not returned my telephone calls. The collection agency that has taken action to report an unpaid debt is Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX. They have not responded to my query. I have filed a complaint against them through the XXXX of XXXX Pennsylvania. I also filed a complaint against the bankrupt XXXX and XXXX with the XXXX of XXXX XXXX Texas and the Texas Department of Insurance. Complaints have also been filed with the No Surprise Help Desk at the Centers for Medicare & Medicaid Services and the New Mexico XXXX XXXX XXXX XXXX Department NM Senior Medicare Patrol . The provider XXXX said they accepted my Medicare card for payment, billed the insurance provider, then failed to correct errors. Had they corrected the bills, the amount claimed would have been paid in full and I would owe nothing. There is no reason I owe this money for a failure to correctly bill by the medical provider and physician within the prescribed time to submit bills.
Product: Credit reporting or other personal consumer reports

DELETE FRAUL ALERTD AND/OR EXTENDED FRAUD ALERT Experian XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Debt collection

I started receiving calls in the summer of XXXX for a XXXX XXXXXXXX  bill from a XXXX  I had in XXXX of XXXX. I was never sent the disputed bill ( {$920.00} ) and had paid all of the other bills related to this surgery. I asked the callers almost every time to send me proof of debt and they always refused, claiming I should have already have received a bill. I submitted a written request for proof of debt to the company through their on line consumer help website on XX/XX/XXXX. When I continued to receive calls about this disputed debt, I submitted a second on-line request on their consumer help portal on XX/XX/XXXX. I also mailed them a request for proof of debt on XX/XX/XXXX. I have had no reply to date, and I received a call from this debt collector on XX/XX/XXXX at approximately XXXX XXXX  ( XXXX ) from the number XXXX. I told the caller that their company was in violation of the Fair Debt Collection Act and that they had never sent me proof of debt. The caller then hung up on me without further comment. 

The company address is as follows : SCS Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX