23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I submitted a balance transfer from my BANK OF AMERICA credit card to my XXXX credit card.The balance transfer went to the wrong XXXX credit card. I put a stop to the transaction on XX/XX/2020 at XXXX XXXXXXXX and was told they stopped the transaction.The money was transferred regardless. I called Bank of America was told it would take a couple of days to have them reverse the transaction. On XX/XX/2020 the transaction was still valid. I called them and they opened case XXXX. Was told that they would contact XXXX and fix this situation. I called back on XX/XX/XXXX to check status was told it can take up to 30 days for them to fix the error. I called back on XXXX the XXXX for status was told the same and they assure me it was being taken care of. I called back again on XX/XX/XXXX and again was told it would take 30 days and to check back after the 30 days. I called again XX/XX/XXXX, was told by the agent that she checked with her supervisor and it was all on target for the 30 day mark. Now after 30 days I called XX/XX/XXXX and was told by an agent nothing Bank of America can do. I called back and this time the customer service agent advised that the reversal was cancelled and she could not see the reason and that she will put in the request again with the appropriate group. she also told me she talked to her supervisor and that they will take care of this.The transfer is for more than 10K. I called XXXX and was told nothing they can do to help me, that Bank of America needs to contact them directly. Please help me.
Product: Checking or savings account

Around mid XX/XX/year>, I opened a XXXX high yield XXXX account. I promptly linked it my XXXX checking account via the XXXX app and their microtransaction verification process. I transferred {$3200.00} into the XXXX account from my XXXX account on XXXX XX/XX/year>. On XXXX XX/XX/year> I did a mobile Check deposit for {$960.00}. On XXXX XX/XX/year> I transferred {$2700.00} from Bask to my XXXX via the XXXX app. Today, I wake up to find the transfer was cancelled and my XXXX account is XXXX. I called XXXX to ask why and all they told me was that my account is under review and their internal team would " reach out soon ''. I kept pressing for information ( why is my account under review? how long does this review process take? Why can't I access my own money? etc. ) but was continuously told the same thing : my account is under review and their internal team would reach out soon.
Product: Student loan

The original Wells Fargo loan was opened in 2006, the terms were 120 months. There was a brief period where payments feel behind however payments were steadily made. Here it is 16 years later and I am still {$8000.00} plus dollars on a {$6000.00} loan. The loan was sold to XXXX for reasons unknown and no matter how hard I try I can not get any straight answers. This loan should not still be this amount after all these years. I feel this is a predatory loan initially meant to keep me stuck in this high interest low to no principal applied hole. I want this loan investigated.
Product: Credit card

XXXX. Got new card associated with XXXX, made a few purchases XX/XX/XXXX : XXXX Downloaded citi mobile app, set up account, set up alerts, associate my account with my phone number and email address, add security word 3. Accessed account online ( with computer via web browser ) and set up auto pay 4. Called City to limit data sharing options 4. this is when the problems began : Tried to add card to my mobile wallet on my XXXX. XXXX said call a number to get verification. I called the number. Then : a. They ask me for my card number and security word : I give it b. They ask me if I have another Citi account : no c. They ask me for another mobile phone # to send a code to verify my account as they can't use my mobile number for some reason ( for 48 hours -- the account is " too new '' ) : I give them my work cell. They say they can't text it because it's my company 's phone. 
d. I give them a XXXX XXXX number : they say they can't text it e. I offer for them to send me an email, they decline XXXX They suggest if I " have a secretary at work '' I could hand them the phone and they could say that I'm me -- I explain this isn't XXXX and we don't have " secretaries '' and I work from home g. They suggest if I have a land line they can call that -- I explain I haven't had a land line since XXXX h. I say nevermind, I'll call back next week and deal with it later, thank you -- I end the call ( politely and don't hang up ) i. I login to my account later in the day and it says I can't use my credit card and that I need to call a number j. I call the number and it's explained to me that I must wait for a letter to arrive via US mail and verify a code I receive on the physical letter before I can use my card again k. I try to escalate this with various phone calls and am told there is no way around this I can log into my account on my mobile device and online. I can give citibank money ( pay my bill ) and they trust that it's me enough to take my money, but put a hold on my account all for a feature ( apple wallet ) I don't really need that much but was a nice to have. They didn't tell me they were going to send me a letter. I got penalized for following their process. I did the best I could to give them alternate ways to contact me and they didn't allow it and punished me for it. I fraudulently could have handed the phone to a random person and told them to tell Citi that it was " me '' and they wouldn't have known better ; their suggestion that I use a " secretary '' at my workplace is crazy. 

I'm not the only one with this issue. Citi has restricted use of my card and left me to receive a letter via " snail mail '' all to use my card again when all I wanted to do is activate a feature I don't really need. Yet they are comfortable with taking my money if I pay them and otherwise I can access my account in any other way, provide a security word, email address, etc. 

it's some of the worst customer service i've ever experienced. I would warn people against getting a credit card at XXXX with Citi.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX OF XXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST : The government, for its part, misleads consumers by leading them to believe that freezing credit reports somehow provides protection of personal information. Consumers are led to believe that XXXX XXXX and XXXX XXXX are " the players '' in the credit reporting field. Even the monitoring and repair agencies only mention these three players when it comes to providing protective fee for service. Again, for its part, the government allows this to go on. Meanwhile the consumers are completely unaware that there are fly by night and splinter companies collecting and reporting life altering personal financial information. 

SECOND : Imposing or lifting credit freezes does absolutely no good. Evidently lenders consider " due diligence '' a XXXX XXXX exercise. They will consult with these " splinter '' companies that may or may not provide accurate or real information on the consumer. 

So moving to the focus of my complaint, Sage Stream LLC. They responded with a negative recommendation to our own petition for credit based on : 1-Distance between address and area code of phone 2-Limited history at this address 3-Limited history at this phone 4-Too few active accounts I have, in hand, a XXXX XXXX credit report less than one week old. It shows an unblemished record for greater than 10 years! 

As far as the citations from Sage Stream go, how can a phone number from central florida be too far from an address in central Florida? What does that even mean? Evidently, 5 years at our present address with a history of mortgage, auto lease, credit cards, utilities, and HOA aren't enough. 

It does not appear that Sage Stream LLC has any relevant credit information on myself or my wife. If they do, it's obvious that a faulty automated algorithm is being employed to mine the information in building a report. 

1-Sage Stream LLC should be held accountable for the credit denial. 
2-Sage Stream LLC should be investigated to determine whether or not they maintain consumer information in a manner prescribed by law. 
3- Sage Stream LLC should be thoroughly investigated to determine the accuracy of the consumer information being maintained. 
4-Sage Stream LLC should be thoroughly investigated to determine the validity of their computing algorithms. 


Sagestream , LLC XXXX XXXX of XXXX XXXX XXXX, CAXXXX Contact : XXXX XXXXTitle : Chief Executive OfficerPhone : ( XXXX ) XXXX : www.sagestreamllc.com Sector : Business ServicesCategory : Credit Reporting ServicesIndustry : Consumer Credit Reporting Bureau XXXX XXXX Name : Credit BureausXXXX XXXX Business Description Sagestream is located in XXXX XXXX, California . This organization primarily operates in the Consumer Credit Reporting Bureau business / industry within the Business Services sector. This organization has been operating for approximately 6 years. Sagestream is estimated to generate {$180000.00} in annual revenues, and employs approximately 5 people at this single location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX USPS CERTIFIED + To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : File a consumer dispute : 3 Errors on my Equifax Credit Report ( 1 ) I talked to the representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX @ XXXX ( see XXXX XXXX XXXX call log back-up ). The lady told me my ending cycle date is the XXXX of each month and they report to all 3 credit reporting agencies each month and they do not have or never had a balance of {$200.00}. We were both bewildered. She said, XX/XX/XXXX my ending statement balance was XXXX and she see two payments : ( 1 ) XXXX dated XXXX and ( 2 ) XXXX dated XXXX XXXX XXXX. Equifax : As of XXXX Equifax has {$200.00} posted against my account. Please update/fix Equifaxs system. 
. 
( 2 ) Theres an error under my personal information other identification information. I received a notification, XX/XX/XXXX. Someone changed the current address as XXXX XXXX XXXX XXXX, FL 2, XXXX, IL XXXX which is an error, dated XX/XX/XXXX on my credit report system. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. The Dispute ID XXXX XXXX was NOT updated ( 3 ) Why someone at Equifax establishment made my ssn NOT pass the verification requirement in the Equifax system. Making my ssn unable to be located in Equifax system by other companies including Equifax. 

Filename : Equifax XXXX XXXX SEE 9 ATTACHED DOCUTENTS : 1. Letter Box XXXX + Dispute XXXX Has not been updated > Confirmation XXXX + Dispute XXXX + My Equifax Report Contact Information + XXXX XXXX  XXXX 2. XXXX XXXX XXXX Phone log to XXXX XXXX / + XXXX XXXX transaction sheet 3. SSN Card 4. XXXX XXXX XXXX Bill + Pay your Bill Payment to same account XXXX XXXX XXXX XXXX Bill Tracking ID XXXX / {$5.00} XXXX
Product: Credit card or prepaid card

Please be advised at the XXXX XXXX XXXX in XXXX, VA there something terribly intrinsically wrong with customer care service. I ordered a XXXX XXXX XXXX XXXX by salesperson on XX/XX/XXXX ; he informed that they had the order. I inquired about delivery period and he said only two -3 days. He again said to me to expect the delivery by XX/XX/XXXX. I took off work and missed an evening meeting waiting on the delivery, but they never showed up. I called the Customer care talked to XXXX and XXXX, and she told me the delivery is scheduled they would call me. Salesperson kept promising delivery dates, I still did not have my mattress after XXXX told that they would deliver on FRIDAY>SATURDAY>MONDAY. Finally, the Mattress was delivered XX/XX/XXXX, Friday, but when I slept on it, it was so uncomfortable, it felt like a firm mattress, versus the plush ; they delivered the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called the store to inform them of my restless night because it was too firm, and they told me that I have to sleep on it for 30 days to obtain the plush feel ; then to send them a picture of the mattress. On XX/XX/XXXX, I sent a picture of the label on the mattress with the model # ; even though the model # did not match my sales receipt, they still did not admit a mistake in mattress. I told them this is fraud! I want you to come pick up the mattress I do not want it ; it is not what I ordered. On XX/XX/XXXX I went to the store and Manager told me they would schedule a tech to come on his time schedule, and check the mattress. No tech yet. Manager said, after tech comes mattress of my choice will be delivered, and if I don't want it, they will remove the mattress. Even though I expressed that I do not want it they persistently overthrowing my decision for them to remove the mattress. All this waiting to remove the mattress is so painful. They just prolonging the time. I will not be forced by XXXX XXXX  to except an uncomfortable mattress ; I do not trust them now! Mattress cost {$840.00} Total {$840.00}
Product: Credit card

XXXX XXXX claims i have a contract with them. They claim i signed a 2-year contract & want to charge me {$390.00} for something i only had for three days. I found their service inferior. I explained to Discover Card that no one had explained to me that I was signing a contract and the only one with documentation was XXXX XXXX. This is not a valid contract because no one explained to me that I was signing a contract ( the installer had me sign something like an Ipad and never said that this was a binding contract ). Therefore and I explained this to Discover Card, I do not feel I signed a valid contract & can not understand why Discover can not understand this. XXXX XXXX sent them the contract which I never got and Discover agreed with them. With no meeting of the minds, there is no contract!!!!
Product: Debt collection

XXXX XXXX delinquency on my credit account showing as negative the account was open in XXXX and still showing on my credit account profile. XXXX XXXXXXXX sold the debt to XXXXXXXX XXXX in XXXX and they posted in my account as opened in XXXX. This account was original opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; PXXXX XXXX Balance : {$120.00} ; 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ****Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXViolation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.
Product: Student loan

The student that I received was a pell grant based off low income and a XXXX XXXX totaling XXXX. The teacher that has taught me before at XXXX XXXX has done the same thing. She and her daughter have filed a high interest student loan and then cashed it. She has also spent a credit worth XXXX XXXX in a hour at XXXX on a XXXX  XXXX XXXX card. My other complaint is the classes I took? I am not advanced placement anything. I also took cad for basic tooling and I found cad for architecture in a software bin at my parents. 
I apologize for the squabble with my brother but I think you 'll find my case interesting if you pull my student I.d . And my recent drivers license. I know that the student id has XXXX eyes and hair. I have XXXX XXXX eyes and XXXX XXXX hair. I just think it 's probably my brothers revenge for his failed XXXX. At leads.
Product: Checking or savings account

I am a XXXX XXXX XXXX. I attempted several times to cash and deposit checks from XXXX XXXX  and other businesses at Bank of America. My checks were always put on hold and were inaccessible to even pay bills or access any of the money for amounts of XXXX days. I also always got flagged when try to transfer money out of my account to another personal bank. I was questioned like a criminal and my money was but on hold even longer.
Product: Credit reporting or other personal consumer reports

I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. 

1. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXXXXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

as per the Fair Credit Reporting Act ( FCRA ) section 609 the  credit reporting agencies have failed to remove outdated or unverified negative items from my credit report. Nor has the credit reporting agency nor collections agency have supplied to documented proof of the debt. Instead they rendered comments via my credit report such as : Dispute resolved reported by grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber, and Consumer disputes this account information Collection account Account previously in dispute - now resolved by data furnisher I had reported the fraud several times and no response and it is causing a gross impact on my credit worthiness. I have credit lines and have never missed a payments. I did not open this account nor did i agree to this service, my information was used in a fraudulent manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax falsely " verified '' that my account with XXXX XXXX XXXX  has a balance. This is patently false and is perpetuating the reporting of inaccurate information on my report. I provided Equifax proof, but they are maintaining the " verified '' inaccurate information and " reinvestigating, '' when the furnisher is instead saying it is " up to the credit bureaus, '' so it is clear that Equifax is intentionally maintaining false data. I attempted to again submit the evidence of a XXXX balance, but Equifax does not seem to have the ability to fax in supporting documents, despite the cfpb online articles saying otherwise ( cfpb database of articles includes one expressly stating that Equifax maintains the ability to submit dispute documents by fax ). See attached evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXX XXXX  XXXX. Acct # XXXX 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. States a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX  Account Name : XXXX XXXX XXXX  - Account Number : XXXX