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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Furthermore, I am requesting to investigate all negative items on my consumer report to ensure their accuracy and compliance with federal standards. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about SageStream LLC. 
I have sent two written security freeze requests via certified mail and an over the phone request. The most recent written request was sent XX/XX/2021 via certified mail. SageStream LLC has responded twice saluting they can not verify my identity. Ive sent the two forms of ID ( my Texas state ID and my recent electric bill ) require per their website both times and still they have not placed the freeze on my account. I tried reaching out via the contact number they have listed on both letters they sent me and there is no option for me to speak with anyone nor get any more information. I have receipts and copies of what I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and Experian - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please see the attached files where you will find all underlined or highlighted discrepancies.
Product: Debt collection

This debt collector is calling my family as well as people outside my family making menacing comments saying they need to tell me to call their law firm immediately. Attempting to portray my situation as a legal or criminal bind. It is embarrassing the amount of people they've contacted over this matter. Also at one point made comments stating how would it look working at a bank and them knowing I have this debt. As if to threaten my work if I don't communicate with them about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.
Product: Credit card or prepaid card

Hi I purchased a furniture from XXXX through synchrony bank credit. The 1st transaction was on XX/XX/2022, for $ XXXX XXXX one was on XX/XX/2022 for {$1300.00}. When we signed the papers the manager explained to us that we get 1 year to pay with no interest. After the one year we will be charged a monthly interest like every other credit card and said sign here. We paid $ XXXX  monthly payment every month on time through the Auto payment. By the month of XXXX I had a remaining balance of {$2400.00} and thats when I traveled out of the states. While my trip, there app stopped working and I wasnt able to check anything but I knew That I was enrolled in Auto pay. After I came back I checked and my balance went up to {$4100.00}. I have to charges of interest, one for $ XXXX the second one for {$570.00}. I called synchrony customer service and they said that it was said on the fine print that if I dont pay the full amount by the year it will charge me interest for the full balance even for the payments that I already paid. And he also said that my account is closed for no reason. 
I tried with them to take off the interest and i will pay the full remaining balance in full but they refused. I spoke to a manager and I explained that I was traveling and the app was not working and no one explained this at the beginning. They just told me to sign at the bottom and explained what I mentioned up on this letter. But the manager said that they can only take off the {$530.00} but the {$1100.00} I have to pay it. And he said that I will also still getting charged an interest monthly!!!!! I never seen something like that all my life. A month after I purchased, I referred my friend to them and she purchased for {$25000.00}. And after that the customer service representative and manager have a very bad attitude. And this way my balance will never end. Please help me this is the first time I use ur services. 
Thank you
Product: Checking or savings account

On or before XX/XX/2018 I opened a BMO Harris Bank Account Online and the XXXX Department XXXX me and Told me My XXXX XXXX and XXXX XXXX Account is From A XXXX XXXX and BMO Harris Bank is terminating our Relationship. XXXX XXXX Bank, will allow me to receive a Checking Account however BMO Harris Bank has to close my Account I didn't know I had ; {$980.00} Dollars & {$2600.00} Dollars and I never use money from BMO Harris Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

BRCLYSBANKDE XXXX XXXX XXXX 
XXXX XX/XX/22 RE. We have disputed this account.
Product: Checking or savings account

NOTE YOU REPLIED THAT XXXX XXXX NEED MY AUTHORIZATION I GIVE PERMISSION TO REPLY TO MY CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOUR COMPLAINT Open account with ( WELLS FARGO ) XXXX XXXX FUNDED Account with Legal Tender FINANCIAL INSTRUMENTS # XXXX AND account FEDERAL RESERVE BANK XXXX CHECK FROM ACCOUNT XXXX ACCOUNT WAS OPENED WITH UNLIMITED PREPAID FUNDING FROM FEDERAL RESERVE BANK XXXX WHICH WAS ESTABLISHED WHEN I WAS BORN ON XX/XX/XXXX WHEN MY MOTHER SIGNED ME OVER TO THE FEDERAL GOVERNMENT WHICH IS NO LONGER IS MY EXECUTORS OR ADMINISTRATORS I AM THE SOLE BENEFICIARY OF MY FEDERAL RESERVE ACCOUNTS XXXX AND XXXX FEDERAL RESERVE BANK XXXX NO XXXX HAS ANYMORE POWER OF MY UTILITY STRAW MAN THAT WAS CREATED AFTER CERTIFICATE OF LIVE BIRTH CREATED BY THE XXXX XXXX! XXXX order by my Father XXXX  TO OPEN MY ACCOUNTS WHEN I GOT ACTIVATED 2 YEARS AGO AND THREW ME FOUNDING OUT ALL THIS INFORMATION OUT NOW HERE COMES ALL THESE WITCHES CULTS AND SECRET SOCIETIES AFTER MY XXXX   SENDING NEGATIVE VIBRATIONS AND PUTTING SPELLS ON MY FINANCIAL INSTRUMENTS # XXXX ALL I DID REPENTED AND TURN TO MY CREATOR # Amen who is my Father in Heaven the one who sent me to save humanity and told me if your doing right then continue to do my Father Will to Promote my XXXX with Love, Peace and Prosperity I ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THE ONLY THING I DID BUSINESS WITH ALL THESE BANKS AND AGAIN IF I DID ANYTHING WRONG THEN I SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF MAN LAW RIGHT? SO I GIVE AUTHORIZED REPS FROM WELL FARGO TO ANSWER THIS MATTER TO THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WILL NOT BE TREATED LIKE THIS BY MY BIRTHRIGHT I AM GIA MOTHER EARTH TRUTHFUL RULER ... AND THE PEOPLE WILL SAY AMEN
Product: Mortgage

I have 4 loans with Rushmore Loan Services. All of these loans are commercial and NOT under my personal ssn.

RUSHMORE has inaccurate tax id 's on ALL 4 loans and as a result my tax statements are not correct and will be denied by the IRS. 

Also, in XX/XX/2023 letter from Rushmore they claim the loan where not registered on line and this statement is a lie. 

Also, The RUSHMORE website is still not operational and with a conference call XXXX ID # XXXX, Supervisor reqarding this issue, he also acknowledge the problems associated with my accounts- as does XXXX XXXX Consumer affairs and practices analyst at Rushmore.

I am not able to access any data from Rushmore. I have filed XXXX complaints with them to resolve this issue. NOT 1 issue has been resolved and I am left to call Corporate at XXXX XXXX XXXX and to look into a class action lawsuit against Rushmore.
Product: Credit card or prepaid card

I bought a prepaid card from paypal at XXXX and put XXXX on the card. they said I could use the card as soon as I got home that it was loaded got home.I tried to use it and it was declined. I called the number to activate card no one answer the phone. I keep calling next day. the number on the card is XXXX it say can not take the call at this time. Two weeks later I get a card in the mail and the same thing again. all I want is my money back. the reason I got the card for is over and I lost what I want to buy.
Product: Vehicle loan or lease

I sold my car and got payment for it. I wired the money to US Bank to pay off lien on XX/XX/2023. Then a few days later I called to see how I get my title. They said wait and check your DMV on Monday ( a few days later ). On tuesday, I checked and no release of title. I called again to US Bank, asked for a supervisor. They could not give me any information on the physical process that goes on to release my title. A supervisor told me I " just had to wait ''. Well then, I checked again 9 business days after my loan was paid off. Asked for a supervisor again, I was told by XXXX in the XXXX call center that there was nothing she could do. She said I could not reach anyone in the liens and title department because " they don't take customer phone calls ''. I asked for her supervisor and she stated that she has a supervisor but that " they don't take customer phone calls either ''. I asked for her to send me any document that states I am finished paying off my loan. She told me " there is no official document I can send you as the FLDMV won't accept it ''. Why not?? Then at least I might be able to enlist the help of my DMV?. Now, the buyer wants his money back. I don't have the XXXX XXXX dollars he paid me because I paid off my loan with it. Now US Bank is holding on to my property and I have no recourse at all. How is it that in 2023 a multi-billion dollar corporation can't give me more information on my title? It's now my property and they won't release it to me. This is unacceptable. What am I to tell my buyer now? Please help me.
Product: Credit reporting or other personal consumer reports

I am refilling this to complain EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I signed up for a Citibank credit card a few months ago. 

I received a shady looking envelope from Citi a few months after I opened the card, asking for personal information, such as name, age, address, and a physical copy of my Social Security card, to be sent to the bank through the mail. I called Citi, and they said they needed this information to process my application, even though I had the card already and had been using it for several weeks. 

Even though it seemed suspicious I did as they asked. 

A few weeks later, I received the same envelope, asking for the same information, and I discovered my card had been locked. I was told that they needed the information, even though I had already sent it, and was offered no other way to resolve it. 

I eventually hung up, and called a local citi branch, where I was informed this is not standard practice. They transferred me to a fraud rep, who said that all that was needed was a simple text to my phone to verify who I was, and that they never should have asked for my Social Security card to be mailed.
Product: Checking or savings account

I enrolled in Navy Federal 's OOPs overdraft protection program and Navy Federal did not cover any of the transactions accumulated in account during the last month of enrollment. The beginning of the issue was initiated by a XXXX account that was linked to my Navy Federal account. XXXX had attempted charges multiple times on several transactions and Navy Federal charged for overdraft fees accumulating over {$600.00} for transactions that was declined and did not pay for the transactions. Just for declining the transactions. I called Navy Federal on 2 occasions and was told that while it was evident that I did have protection on my account however it was nothing that could be done because my account was due to be charged off. I asked about removing XXXX to prevent them from attempting future debits and I was advised that I should consider fraud which would be illegal for me to do considering that I linked my XXXX account and initially gave permission to XXXX. I just wanted to revoke further privileges. On both occasions, Navy Federal employees demanded I pay the money out ( {$29.00} per 26 transcations0 because I was in the wrong even with protection on my account and {$0.00} actually being paid out to cover charges. My protection was not active and I am being liable for such which is unfair practices. I have since been denied online bank statements in order to compare my details to Navy Federal. I have been a costumer of Navy Federal for over 14 years, maintained over 7 different accounts with the institution, and have never experienced once had an issue especially an accountability with them until this instance.
Product: Credit reporting or other personal consumer reports

I trust this message finds you in good health. I am writing to express my ongoing disappointment and concern regarding the unresolved dispute I lodged concerning the unauthorized accounts stemming from identity theft on my credit report. Despite my prior communications and the supporting documentation I provided, I regret to note that the disputed accounts have yet to be removed from my credit report. Since my initial dispute, I have taken further steps to verify my identity and provide you with the necessary documentation to support my claim. As stated in my previous letter, I included a copy of my government-issued ID, proof of address. I kindly request an update on the status of your investigation and clarification on the reasons for the delay in removing these unauthorized accounts from my credit report. The prolonged presence of these fraudulent entries is causing me considerable distress and impeding my ability to access fair and accurate financial opportunities. Please delete the accounts below : XX/XX/XXXX
Product: Credit reporting

I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.
Product: Money transfer, virtual currency, or money service

I made a wire transfer from my XXXX TD bank account to family 's TD bank in XXXX on XX/XX/XXXX. My bank has sent the funds out. I was contacted on XX/XX/XXXX to provide more information, place of birth, place of citizenship and place or current residency which was sent to intermediate bank. But they have not transfered to funds or communicated in any way until now XX/XX/XXXX. They do not reply back to emails my bank is sending them. I need my immediately this is causing alot of damages, financially and otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX XXXX in XXXX, Florida. I submitted myself and my information for a background check to First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX. 

The background check was completed and a report from First Advantage was delivered to me on or about XX/XX/XXXX. 

The report, which was also provided to the XXXX XXXX XXXX XXXX, Acct # XXXX, included information alleging that I had been placed on probation in XXXX County for a one year period for a crime committed in XX/XX/XXXX. If the Company, First Advantage, had looked further into the charge and the alleged date of commission, they would have discovered that I was still in Elementary school at the time and this charge could not practically belong to me. I am embarrassed and humiliated that further questioning of me or research into the information was not completed by First Advantage. The negligence in handling the background check under these circumstances is inexcusable. A False report has now been provided about me. I have contact the agency where the charge was allegedly filed ( XXXX County State Attorneys Office ) XXXX XXXX, FL and have been advised that no charges exist under my name. 

I want the Consumer Financial Protection Bureau to investigate the error in reporting by First Advantage and I want Agency to be reprimanded for their negligence in handling this case. The Agency MUST send immediately a corrected report and an apology to the XXXX XXXX XXXX XXXX for causing me this harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Interest rate starting at 3.99 when account opened. Then increasing without my knowledge to 29.99 %. Very alarming amount. I would like to close this account and remove the high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My Identity has been stolen. Please help to remove these fraud hard inquiry items ( XXXX XXXX, XXXX XXXX ), & ( XXXX XXXX  ). I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few HARD INQUIRIES that I wanted a little more explanation on ( XXXX XXXX, XXXX XXXX ), & ( XXXX XXXX  ) and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRY ACCOUNT ITEMS LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE HARD INQUIRIES LISTED BELOW NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Hard Inquiry Account Item : XXXX XXXX, XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Hard Inquiry Account Item : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

Mr. Cooper took over my XXXX XXXX mortgage several months ago. I have always paid into my escrow account for taxes and insurance. Mr. Cooper stated that the loan transition would not cause any issues and that taxes and insurance would be paid without any action required from me. 

This morning, XX/XX/year>, my homeowner 's insurance company, XXXX, contacted me to inform me that my policy was canceled due to nonpayment. I attempted to call Mr. Cooper several times but was unable to speak with a representative. I then went online and tried to chat with a representative named XXXX. He stated that I would have to call Mr. Cooper. I explained that I had called several times and was once put on hold but eventually disconnected. XXXX gave me a different number to try. 

After multiple attempts and being on hold for a total of 38 minutes, I finally spoke with an agent. I was informed that my insurance was not paid on time, but a recent payment had been made to XXXX. The agent stated that I currently do not have homeowner 's insurance until XXXX processes the payment, which could take several days. She did not know why the payment was not made on time. 

I explained that there are storms in the forecast and asked what I should do if my home is damaged. I also inquired about who would be responsible for the cost. The agent stated that the responsibility would be mine alone and that Mr. Cooper would bear no responsibility. This entire process took over XXXX hours, leaving me without resolution, making me late for work, and without the home insurance I paid for.