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

I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX I have never owned a XXXX  XXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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. 


XXXX EXPERIAN XXXX 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: Credit reporting or other personal consumer reports

I opened this credit card through XXXX and the lender is XXXX XXXX  Since the issuance I have been unable to access my account online, obtain account information through the automated system or with a representative. My social security number with their company is inaccurate stopping me from gaining the requested access. I contacted them multiple times and have been hung up on & told to call back when I have the accurate information. Ive only given my accurate social security number, cell phone, birth date and have been asked additional security questions like what is your last purchase on this card which is something I cant confirm without access to the automated system. Most recently on XX/XX/XXXX and XX/XX/XXXX I attempted to make my payment and was denied again. Now they have reported negatively on my credit reporting and I cant even resolve the issue because they have no record of my social being linked to this account. At this point im confused, my right to fair and accurate reporting has been taken, I feel like this is a fraudulent card because I cant access anything and havent received anything in the mail. My request is that this account be closed and my credit report updated to remove the delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream has ignored/refused to provide me copies of reports and scores associated to my identity. 

I have made requests via their website, via the usps and sent faxed and certified mail requests to SageStream multiple times and included any and all documentation the company requests for identity/address verification purposes. 

All requests have gone unanswered. 

No one answers the phone at SageStream either.

I am requesting a copy of my SageStream consumer report, also referred to as a credit report, a consumer file, or a disclosure report and my SageStream credit score.

Requests for my SageStream consumer report and my SageStream credit score were submitted to SageStream ( in multiple formats ) on or about the following dates : -    XX/XX/2019 - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 All proof of identity documentation they request was included with all of the prior requests submitted to their company to confirm my identity ( per their instructions ), but they have not acknowledged any of my requests. 

I am aware of other family and friends experiencing the same type of poor customer service from SageStream as well.

If SageStream wants the ability to be able to profit from collecting consumer / private information and also profit off of this consumer information -- then SageStream should also be required to follow the law which they have failed to do multiple times. 

SageStream is blatantly ignoring their duties and they should not be permitted to violate federal law and or their requirements.
Product: Credit card or prepaid card

It happened again!!!! 


Trans Unionhas stolen money from my XXXX accnt!!!!! TU did that again!!!! 

Again!!!!! 

I just checked thismorning! This is Monday, XX/XX/2020! 

T U stole money from me again! Again! 
They did that duringa time of global emergency! 
During the coronavirus crisis! 
That is shocking! 
I used to think that T. U. was better than that!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethese items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remov these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a notarized affidavit letting these companies know these accounts opened online are fraudulent and not authorized! I was provided all amounts and account information from credit bureaus! 

Navy Federal FCU {$8900.00} XXXX XXXX XXXX NAVY FEDERAL CU {$8600.00} XX/XX/2019 XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : 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 XXXX  XXXX account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : DEPT OF ED/XXXX  - account number : XXXX Account name : XXXX  - account number : XXXX These accounts have violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item for information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment.
Product: Debt collection

My bank returned it but then it was retried and paid. So there is no paid but my account is still on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

In my opinion the great scam continues. While we have a negative on our report we HENCE THE DISPUTE IS SLANTED IN FAVOR OR THE LENDER [ ALWAYS ] DO YOU REALL THINK THIS COMPANY GIVES A XXXX ABOUT EOPLE- MERELY OPINION.. THE FACT IS WE WERE MAKING PAYMENT ARRANGEMENTS WITH THE BANK.. I WENT INTO THE HOSPITAL FOR A MONTH WITH XXXX  XXXX XXXX AND XXXX XXXX AND WHEN i CAME OUT THE VEHICLE HAD ALREADY BEEN TAKEN.ANOTHER FINE EXAMPLE OF WE ARE HERE TO HELP DURING THESE DIFFICULT TIMES.yea right! So I can not access or use any of the so called avenues they claim to provide.to add to or modig=fy the dispute. Another FACT they conveniently ignore in Washington, the CFPB and Credit reporting agencies = need a laugh here is some more fact 1 Dial XXXX to call the Experian corporate office. Experian doesnt technically have a customer support department, and the number listed on their website for customer service is simply an automated system for victim assistance. If you want to speak with a person, you can get personal assistance by dialing the Experian corporate office and getting redirected after their automated system cant find your information. [ 1 ] The automated system will fail to find your information even when you enter it correctly, so dont hang up or get frustrated if the menu prompts fail to identify you. 
This number will help you reach someone to assist you with your questions or concerns, but it is advertised on their corporate website as their office number. 
The corporate office is available Monday through Friday from XXXX XXXX to XXXX XXXX PST.
Product: Checking or savings account

Hello, I was a regular user of wise payments ltd. I recently received a mail from them that they have deactivated my account and I also have funds in it. It's been XXXX  months I have been contacted them several times but didnt get a good response from them. Because of my funds holding in it my business has been stopped.
Product: Credit card

In XXXX of 2014, I noticed approximately a {$13000.00} credit on my credit card with Bank of America. I called the bank to inquire what it was about, and I was told it was a refund for them overcharging me for interest paid while I was covered under the Servicemember 's Civil Relief Act ( I 'm in the military ). Unbeknownst to me, they issued a XXXX, which caused the IRS to send me a XXXX Notice saying I owe over {$2500.00} in taxes and interest. Being that this is a refund for overcharged interest, they issued an erroneous XXXX, which the interest that I would have paid originally was post-tax income. After searching the internet, I have found numerous other military personnel whom this has affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My perusal information was compromised in the XXXX XXXX XXXX and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law.

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.
Product: Credit reporting or other personal consumer reports

I submitted dispute through Transunion via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974 and 15 U.S.C 1681E since other consumer reporting agencies has reviewed and removed some of the accounts mentioned earlier. I have attached some documents from my most recent consumer reports from Transunion and XXXX highlighting the discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having collection items remove off my credit with Transunion specifically with has been the reason for a low credit score with this company. Recently I remove 4 inaccurate items, which should have increase my credit score but it went down more. 

I receive the notice that XXXX items was remove, but know other thing change on my report and no explanation as to anything added. 

Trying to reach the company to investigate, the phone systems answer the call, but you through option over options and then hang up. I have been through ever option and no one will answer the phone.
Product: Checking or savings account

Someone pretending to be a chime agent and remotely access my account and took XXXX dollars it was my XXXX check I tried contacting them and they refused to refund my money on XX/XX/24
Product: Credit card or prepaid card

I received the below offer in XX/XX/XXXX Double Bonus Opportunity Earn up to 60,000 miles! 
XXXX, you've been selected to receive this special cardmember offer. 
No need to enroll! 
Just use your Barclaycard Arrival Mastercard. 
Use your Barclaycard Arrival Mastercard for purchases from XX/XX/XXXX to XX/XX/XXXX and earn up to 60,000 miles.1 2 1 Earn an additional 10 miles for every {$1.00} spent on purchases made from XX/XX/XXXX to XX/XX/XXXX, up to 10,000 miles. 
The miles you earn with this offer are in addition to the miles you already earn with your Barclaycard Arrival Mastercard.

2 Plus, earn 50,000 miles when you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 

I have met this offer but never received 60000 reward points into my account. I have passed three statements after I met the offer. I have contacted barclays many times regarding this. I was told on XX/XX/XXXX, that I will receive the 60000 reward points for this offer on XX/XX/XXXX statement but I have not received it. Barclays has been continuously cheating me for months.
Product: Debt collection

Someone fraudulently applied for an apartment under my name and didnt get the apartment. I contacted the apartment company and they cleared out the bill and sent me a email with a zero balance.
Product: Mortgage

Open Sky Legal said they could get me a modification on my loan. I paid {$4000.00} to date starting in XX/XX/2019 til XX/XX/2019. They fell through and I was denied any help except for a short sale. I need my money back from them because they stated they could do this and didn't. I just make enough to pay some of my bills with my large house note.
Product: Debt collection

I 've gotten repeated calls from a blocked number. When they leave messages. they note I need to call a particular number for any additional questions or concerns. I generally ignore the calls, having been through this scare tactic several times. The messages say they are with the XXXX XXXX for XXXX XXXX and they are preparing to process me on grounds at my place of employment or my residence. They also threaten to contact my HR team to learn the " process service '' protocol and work to garnish my wages. They go so far as to actually contact my XXXX XXXX department but upon a return call, they note they simply want me to call them back. If I do n't respond the way they intend, they escalate and the calls become more persistent. The messages more threatening. The guy even told me to contact my XXXX office with him on the line. I spent a good portion of my business day yesterday dealing with these scam artist and I 'm tired of it. I asked them to stop contacting my place of employment but she advised she would continue to do so because she has a legal matter to handle with me. This type of harassment needs to be stopped. It will eventually cost someone their employment. Then, no debts will be repaid.
Product: Money transfers

On XXXX I sent the money to incorrect account number via Wells Fargo to XXXX bank.I registered my employee information ( name route number account number ) on direct pay registration.3 days later Wells Fargo verified the registration and I sent the money on XXXX.A few days later I found that I missed XXXX number ( employee account number is started with XXXX and XXXX digit ) and registered only XXXX digit.I stopped by Wells Fargo and XXXX so many times and report this matter. It is not solved until today.
Product: Credit reporting or other personal consumer reports

Remove Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Hello, I previously set up a XXXX XXXX account with XXXX XXXX XXXX XXXX to help pay off my debt. They assured me that as long as I remained current with my payments, they would continue making payments on my existing credit cards. I never missed a single payment. 

However, on XX/XX/XXXX, I received an email from XXXX XXXX XXXX notifying me that they were immediately canceling all future payments. Additionally, they informed me that my debt would be transferred to another lender with different terms, including a fixed term and a significantly higher interest rate than what was promised when I signed up. 

This abrupt and unexpected termination of services has caused considerable hardship for my family and me. For the first time in my life, I have missed a debt payment, despite always maintaining a perfect record.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I owed the company Amscot for a cash advance. I went down there in the end b of XX/XX/2023 they asked when I can pay it back I said C in C about a week or so. Then a couple days later on XXXX XX/XX/2023 they deducted the {$440.00} from my checking account without my permission to do so at that time. During other instances I had outstanding payday loans so they decided to call every day and every other day demanding to speak to n m fr and leaving over XXXX voicemails on my voicemail box
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 those account 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.

XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letters to Equifax to correct the inaccurate information on my report! This action was not taken off!! I sent 3 more letters still no actions taken!