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

Since XX/XX/XXXX, I've sent Sagestream , LLC Personal Identifiable Information in regards to a Security Freeze and requesting a copy of my consumer report by regular postage. During this duration ( 4 weeks ), I have yet to receive a confirmation of a security freeze, PIN number or security freeze. I've attempted contacting them on XX/XX/XXXX in regards to confirming that they received my personal identifiable information and a security freeze was placed as well as sending my consumer report. Their contact number, XXXX, has given options to speak to a representative but only forwards the call to a voicemail. On XX/XX/XXXX, another attempt was made online to place a security freeze & receive a copy of my consumer report. 

After several attempts to contact them within 2 weeks with leaving voice messages, I receive no call, confirmation letter & PIN number if a security freeze, and no consumer report. On XX/XX/XXXX, I once again send an online request for a security freeze and consumer report. I try once again to contact Sagestream , LLC in regards to if they have received my Personal Identifiable Information & when will my security freeze confirmation and consumer report will be sent. It seems Sagestream , LLC, despite having a phone system set-up, no-one is every available at their offices. Despite calling numerous time and leaving voice messages, no one answers, calls get forwarded to voicemail, and no-one returns voice messages. 

Over 2 months has passed and they are harboring my Personal Identifiable Information with who knows who has possession of them. As well, I have not received my consumer report or confirmation of security freeze. Neither have I received one phone call or contact within that time confirming a freeze despite leaving voice messages several times within 7 weeks and calling during normal hours of business operation. On XX/XX/XXXX, I've decided once again to send a request via fax to Sagestream , LLC to the number stated on the site ( XXXX ) .I 've sent the fax twice containing my Personal Identifiable Information to secure a security freeze and request consumer reports information. Also, on the same day, I've sent a request for a freeze and consumer report via registered mail to their P.O. Box in XXXX XXXX, California ( XXXX. XXXX XXXX ) with USPS Priority with Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX. 

It's been about 11 weeks since my first request, 7 weeks since my second attempt, and about one week since my last attempt ( and will be my last ) in regards to placing a security freeze and retrieving my consumer report. They have been unresponsive, uncooperative, and harboring Personal Identifiable information of consumers who wish to recieve a copy of a consumer report and/or requesting a security freeze.
Product: Money transfer, virtual currency, or money service

I am a Citi priority customer and holding this account with them for many years. I am based in XXXX and initiated an international wire transfer for USD XXXX on the XXXX of XX/XX/XXXX. On the XXXX of XXXX, I received an email stating that my wire transfer was on hold and that I should call on XXXX. Addtionally it stated that if they dont hear from me, the wire would be cancelled. I promptly call this number and after some verification related questions, I was thanked for the verification and told that the transfer would take XXXX hours. 
However on the XXXX of XXXX, I received an email stating the wire transfer was cancelled because they could not reach me. My correct phone number is on my Citi profile and I did not receive any phone calls from them. 
I had to initiate another transfer, called them again for the verification and once more I got an email stating the wire transfer was cancelled because they could not reach me. 
Since Citi does not have an email service that i could write to them, I posted my grieviance on " XXXX  '' and was promptly called by someone from their social media team who also helped me connect with the Wire transfer team who completed another verification over the phone. The XXXX wire transfer was however also cancelled by Citibank and I have now initiated a XXXX one which is pending and my worry is that this one will get cancelled as well because its the same sequence of events that is repeating over and over again. 
I just called their wire transfer service and completed XXXX more verification as well. 

The entire episode has already cost me XXXX XXXX XXXX  of international phone calls, being put on hold for several minutes each time, embarassment with the intended recipient of the wire transfer as well as torture and anguish. 

I work with other international banks like XXXX in XXXX and it is very clear to me that Citibank is working with outdated systems and technology. I am a XXXX XXXX XXXX XXXX  and feel like i am having to beg with Citi for my own money. 

Last but not the least, I would like to mention that I have had an exactly similar experience with Citi in XXXX where the transfer was cancelled at least twice before it was finally processed. 

I have attached screenshots of emails from Citibank as well as a screenshot of my phone with calls made to Citi. There are several more calls made using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there is a inquiry on my credit report from Continental Finance Company that I did not have any knowledge of or have given permission to access my report. I have tried to contact them without any success I was given the run around different numbers to call got disconnected and hung up on. My concern is this is a loan and credit card company that might have given whoever applied a loan or credit card. I am access my credit report daily and have placed a fraud alert.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consuming Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( DPT ED/XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that your reporting agency, block and remove the information that is on my report as a result of identity theft, fraud, and human trafficking and debt bondage within 4 business days. I have attached all the necessary supporting documents including a police report from the XXXX XXXX police department. the fraudulent accounts consist of an auto loan from ( XXXX XXXX opened XX/XX/XXXX ), a personal loan account opened by XXXX XXXX opened XX/XX/XXXX ), and ( XXXX opened I also have a publics records of a XXXX  XXXX and XXXX bankruptcy that im requesting to be removed and blocked due to the company not being able to provide a reasonable explanation on how my person information was obtained. I have also enclosed supporting documentations for that as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a payment plan in XX/XX/XXXX with XXXX to pay a bill that I owe, the total was $ XXXX.The agreement was to make a payment every Friday of {$40.00} until the bill was paid. 

I paid the bill off through XXXX. 

That same month a collection ( XXXX  XXXX ) appeared on my credit report with an inaccurate amount of XXXX that I owe to XXXX. 

I called XXXX and told them what was going on and they told me I would have to contact the ( XXXX XXXX ) collection agency to get it removed. 

I contacted the collection agency and was told that XXXX would have to update them saying it was an error on their end to have it removed. 

I contact XXXX and was told it would be removed. 

XX/XX/XXXX, I received a letter from the collection agency saying that sent in a request to all bureaus that the negative remark be deleted. 

It has since been deleted from my XXXX report. 


I have disputed it on Equifax and XXXX report. 

Equifax sent me a dispute update via mail saying that it was updated, which is inaccurate. 

XXXX  closed that account and its now say paid collection, which is inaccurate but I didnt make a payment to the collection agency, all my payments were through XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : WELLS FARGO CARD SER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX XXXX  XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Prepaid card

I got 3 XXXX gift cards wort {$200.00} total ( one {$100.00} card and two {$50.00} cards ) back in around XX/XX/2023. I tried usinf them couple weeks after around XXXX end or early XXXX and discovered that none of the cards were working ( neither in a store nor online ). 

I called the number on the back of the card ( XXXX ) about this. I was told by the phone representative that he found some issue with all 3 cards and will file a case so I could get replacement cards. I was asked to send pictures of front and back of each card along with my driver license and some address proof whic i sent ( to XXXX ) in the first week of XX/XX/2023. 

However, since then I have not heard back or gotten back anything from them. I have tried calling to follow up around 10 times since then ( been more than 3 months now ) but all they tell me is that the case has been escalated but there isnt any update they can give me. 

My case number with them is XXXX
Product: Checking or savings account

. I am a XXXX XXXX XXXX widow, living on a state pension. I have been a loyal customer of my local branch of Bank of America since XXXX. I am appealing their denial of my claim XXXX XXXX. 
On XX/XX/XXXX, I allowed use of my computer to a stranger, calling from XXXX.He said he was from XXXX and that I was entitled to a refund, but needed to remove some software. When I got back on my computer, I noticed that he had set up a XXXX transfer of {$2200.00} from my Bank of America checking account to : XXXX XXXX XXXX ; confirmation number XXXX I immediately tried to contact Bank of America, but they have no 24/7 direct line to report fraud, so I had to wait until XXXX XXXX on XX/XX/XXXX to file my claim. The woman I spoke to tried to calm me down and said not to worry, while it was being investigated, I would get a temporary credit within 10 days. 
I went into my local branch and proceeded to open a new checking account and got a temporary new ATM card. 
On Monday, XX/XX/XXXX, I filed fraud alerts with the XXXXhree credit bureaus. 
On XX/XX/XXXX, I went back to my local branch to close the old account. I asked the rep about my fraud claim and she called corporate and learned I had been denied. A letter will be forthcoming. Upon arriving home, I called the fraud line and asked about my credit. A rep named XXXX explained that it was denied because they had sent me a text about the XXXX transfer and received authorization to proceed. I never received a text nor did I approve of it. She said the text was sent at XXXX XXXX on XX/XX/XXXX. 
I then contacted XXXX to see if they could check on any text received on my phone at that time. We were unsuccessful in restoring any texts from that day but their rep XXXX did tell me, I see that here was a message that was received on XX/XX/XXXX at XXXX. It was sent from XXXX. For security & privacy we are unable to view what the message says. If there was an approval sent, it is obvious that my cell phone was spoofed. I am willing to sign a notarized statement swearing that I never signed up or authorized this XXXX payment of {$2200.00}. 
As a customer of 57 years at Bank of America, I am upset that they will not uphold their promise of restoring my funds,, since they were obviously as much a victim of fraud as I was. 
According to their web site, = : Q. Do you get your money back if your bank account is hacked? 
A. Federal law says that if someone takes money from your bank account you will get all of your money back if you notify your financial institution within 60 days after the fraudulent transaction appears on your bank statement
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX Av XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX XXXX XXXX, CO, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuion is not reporting same information has XXXX  ans XXXX  my payment history for a missed payment has been updated and credit score went back up XXXX transuion has not updated my missed payment and its been more than 30days
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 XXXX of the FCRA XXXX and TransUnion 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 XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; If XXXX and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and have asked Lexis Nexis to completely opt out of my information but instead they have ignored me request on multiple occasions. My information should be surpassed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and someone opened several fraudulent accounts that are reporting under my social security number. 
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: Vehicle loan or lease

On XX/XX/2020 I traded in my XXXXXXXX XXXX for a new nissan XXXX. Financing was to be provided by Nissan Financial. I traded my car at Nissan of XXXX XXXX in SC. 
On XX/XX/XXXX I received a call from XXXX Financial that I was late with my payment and they needed a payoff or the car. I advised XXXX that I had traded the car. Upon contacting Nissan of XXXX XXXX they stated that the financing was rejected by Nissan Financial and that I had to come back in and resign paperwork. I did this the next day. I was also told that they would get me credit corrected. I received another call from XXXX in XXXX that the car was still not settled and they had reported me late again to the credit bureaus. I filed a complaint with the CFPB to have this mattered corrected immediately with no resolution. This is the second time I'm am filing this and expect my credit to get corrected immediately.
Product: Student loan

I requested information regarding what my payments would be after switching my payment plan from the XXXX plan to the XXXX ( XXXX XXXX ) plan in order to apply for a home mortgage. I needed this information quickly due to the closing date on our home. I was told repeatedly that the requested information would arrive via email and via mail and via fax within hours. I called once on XX/XX/XXXX and was told that I would receive an letter in the mail that was escalated. I never received the letter, as of XX/XX/XXXX. I called XXXX  times on XX/XX/XXXX and was explicitly told that I would receive an email within the hour and, if not, the next morning ( XX/XX/XXXX ). I was told on that same call that if I did not receive the email with the requested document that I should call back that evening or the next morning. I was also told that the representative had spoken multiple times with their supervisor and the issue had been escalated. The confidence of the person I spoke with on the phone made me relax so I didn't call back until the morning of XX/XX/XXXX. When I called that next morning, and XXXX other times during the day, since I did not receive the requested document in my email, I was told different things each time. I was told once that the email would be showing up in my inbox shortly ( within the hour ) and that I should just wait. I was told another time that I should be looking in my Aidvantage inbox for the document shortly before being disconnected while on hold. Another time I was speaking with a representative for a couple minutes before being hung up on. Another time I called I was told that I should never have been told that I could receive this document via email and that documents like this can only be sent via physical mail or via fax. This contradicted every previous call. I have now been told that I should wait for a fax to arrive monday ( XX/XX/XXXX ) with the requested document but I have no way to trust that this will actually happen.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below XXXX XXXX  XXXX XXXX account number XXXX open XX/XX/2016 has violated my federal protection consumer rights to privacy and confidentiality under usc 15 -1681 I to the Experian to reinvestigate this account XXXX XXXX XXXX XXXX however they stated everything was complete and accurate but how is that possible if the account date and dates of last activity and much more is incorrect according to 15 usc 1681 ; ( 5 ) they are supposed to modify accounts that isnt reporting correctly. When account was closed
Product: Debt collection

I am writing to dispute inaccurate information related to an account reported by IC System, a third-party collection agency working on behalf of the original creditor, IC System ]. The details of the account are as follows : Account Name : IC System The specific inaccuracy is : [ Insert specific inaccuracy, e.g., incorrect balance, missed payments, account status, or whether the debt is valid ]. I request that this information be investigated and corrected or removed from my credit report, as appropriate. 

Since IC System is not a debt buyer and acts only on behalf of the original creditor, I am requesting that you forward this dispute to them, as well as the original creditor, for immediate action. 

Once the issue is resolved, I ask that you send me an updated copy of my credit report reflecting this correction. 

Thank you for your assistance in resolving this matter. I look forward to receiving confirmation of the resolution. 

Sincerely, daisyh
Product: Credit card

I paid off my credit card, saw the balance as XXXX and after a few days, I noticed that I'm being charged again for interest charged when I paid off the balance.
Product: Credit card

I used a convenience check with a 0 % APR until XXXX XXXX. Then at a later date, I used a convenience check with a 0 % APR until XXXX XXXX. I am told now that there is no way that I can pay the balance of the check that expires sooner without also paying the balance of the one that expires in XXXX XXXX, because the system automatically applies the payments to whatever account it wants to when they both have the same APR. Once my balance on the one account starts being charged interest, then payments would be applied to that one first. I was told that I should have understood that with the wording on the disclosure for the convenience check. But I do n't think that is made very clear in the offer. A creditor should be required to apply the payment to the promotion that is going to expire sooner.