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

I have called SageStream no less than 10 times over the past few weeks and can not get a live person. There is also a prompt when calling, to have a SageStream representative return your call ( without losing your place in line ). No one has reached to me. After countless attempts by phone, I submitted an electronic request via email on XX/XX/XXXX and again on XX/XX/XXXX ( 2nd request ) for a Full Disclosure Consumer Report, Security Freeze, and SageStream Score. I followed the instructions from their very own Website and faxed my personal and sensitive information along with proof of identification ( driver license ) to SageStreams secure fax line ( XXXX ). I have yet to hear from them. They have not responded in any way ; not even an automatic reply confirming my request was received and will be processed in a certain timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX Total. 
I have attached What these items are :
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX {$3600.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Equifax decided to not only " investigate '' the incorrect item, they've made no attempt to contact me by phone or email, and just today decided to drop my credit score 30 points in what looks to be retaliation for filing a complaint with the government. There is literally nothing in my report that would warrant a 30 point drop. I havent made any late payments, and havent applied for any loans, nothing. 
My phone number is listed, there has been no voicemails of any kind nor emails to the email address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

Now : I've attached a FTC report as an additional measure.
Product: Credit reporting or other personal consumer reports

There are inquires on my credit report I do not recognize and I have no way of disputing with the credit reporting agency.
Product: Credit reporting or other personal consumer reports

I got denied a credit card. I was told they are waiting for my credit to go up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why I have to keep submitting the affidavit and disputes to Equifax in one year. The first time was XX/XX/XXXX the second XX/XX/XXXX and the third was XX/XX/XXXX. We are now at the of XX/XX/XXXX and Equifax has still not DONE ANYTHING!!!!!!. XXXX  has already fix the issues why hasn't Equifax makes no sense. 
They are keeping me from opening an account with XXXX  XXXX XXXX because they have yet to conclude my fraud case. I have sent in the affidavit several times, so why is this taking over a year to complete? 
These are not my collections on my report and I have sent in proof they are not. If this is not taking care of I SUE!!!!! .. There is no excuse for this and why it hasn't been taking care of.. 

FIX IT NOW!!!!!!!!!
Product: Mortgage

made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report
Product: Checking or savings account

Arvest Bank has a policy regarding overdraft protection that is detailed within the small print located in paperwork signed at the branch when applying in an office during initial account creation, but more specifically it is something that is automatically agreed upon when instituting the protection at a teller location whereupon in as is in my case, the protection is started and your teller simply says " ok you're good to go ''. 

The issue arises for me as I never saw this small print regarding overdraft protection. So, for months and months I have been going to the bank on paydays, moving my balance and overdraft allowance over to my mother 's account in order to pay her bills and mine, as I have taken over these things for her, and never once have I had a problem doing so until today, a payday, whereupon I am told I no longer am protected by this overdraft allowance. 

The branch could only tell me it was because I had not left a " positive balance '' long enough and that I had incurred a " suspension of overdraft allowance '' due to my infraction. I asked for lenience and help, was offered none whatsoever and left to call the support center. 

The support center transfered me to XXXX who quickly told me I was being offered no help, and furthermore, would not be allowed to use their overdraft again until I had " proven with a positive balance for 2 consecutive months that I wouldn't abuse this system ''. 

My complaint is being filed in order to achieve the following, as I understand fully there will be no help or recompence for my situation. This is a weekly occurance for XXXX and the patrons who are setup with overdraft protection in this way. SO, I ask for the business to institute changes to their policy. While I was there, an XXXX associate was kind enough to call a man and wish him happy birthday. I would like Arvest bank to institute a new policy in which the same courtesy was extended to those patrons who on a payday, with bills due, and a hungry family to feed, could truely have used a call telling them about the coming shut down of their finances. A simple offer of advice at the teller every month for the past months would have helped. How was I to know I wasn't leaving my money in my account long enough? To be negative for months, but have multiple paydays coming in direct deposit doesn't make a bit of sense to me. 

Thank you for the time reading. I am leaving XXXX and wish for my complaint to be stated openly so that the bank and its management can understand the average plight of the average consumer who encounters their " regulations '' at the absolute worst time, in the most disrespectful and disruptive way possible to our lives.
Product: Credit reporting or other personal consumer reports

Ive attempted to send a digital dispute to XXXX regarding the myriad of inaccuracies on my credit report including my name and address history their are several variations of both which are negatively affecting my credit worthiness. XXXXXXXX XXXX  website does not allow me to select the proper reasons for a dispute or to dispute the information they are holding as valid, this information is unverified per the FAIR CREDIT REPORTING ACT and I demand verifiable proof that these account details are verified.
Product: Credit reporting or other personal consumer reports

Attn : XXXX XXXX XXXX divisions, From : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Attn : Credit fraud departments, Subject : This Complaint is only over the XXXX states wide imposter herds identification population fraud and international imposter identification population, and over the XXXX states wide business population identification scam 's imposters and international imposter business population scams THAT FRAUDED my XXXX documents and XXXX documents which wrecked on there pension account and life insurance and wills and condo deed. 

in 2 States, there wanted for mail fraud, investments industrys workers fraud, social security information fraud, robbery of XXXX military archives data base information as illigal workers population identification scam 's ( coping off the Archives back ground check of my families documents ). There wasn't for running frauding banking accounts scams, and they are wanted for writing accounts to the XXXX states wide other fraud cases that FRAUDED me and my families documents also and included retailers. There wanted for listed insurance company who also used XXXX of the USA largest insurance company who those insurance companies also ran frauding employees population identification scam 's frauding my and my families documents, and also were refusal to pay me over robberys, and identity fraud policies, and over causality and property loss. Then for any government agencies contracts used me and my families information XXXX States wide as resterants and menu 's and grocery store food products used XXXX XXXX frauding my Birth certificate long form information attached to my social security information, and families marriage and divorce records. I want white collar crimes charges pressed Social security fraud charges pressed I want illigal FBI registration charger presses for fraudulent illigal identification scam 's imposters I want banking charges pressed for counter written banking to unauthorized imposter population identification scam 's and business scams I want national defense archives robbery charges pressed for robbing XXXX national defense archives information of me and my families documents I want IRS fraud charges pressed I want mail fraud charges pressed I want telicumations fraud charges pressed I want counter insurance fraud charges pressed I want IRS fraud charges pressed I want counter insurance and counter banking charges pressed I want illigal registration charges pressed I want asset freezing over fraudulent population identification account scams. I want all the funding and accounts opening shifted back to me and my families documents stack the rightful owner of the information and registration I want finical restitution
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by Flagstar Bank. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with Flagstar, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported balances for my Flagstar account are inconsistent across all three major credit bureaus ( XXXX, XXXX, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements. 

Late Payments : Flagstar Bank has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing. 

I have already made several attempts to dispute these inaccuracies directly with Flagstar Bank by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that Flagstar Bank be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner. 

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One & XXXX XXXXXXXX ), has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion XXXX XXXX has all types of different names on my account. previous addresses that I did not give authorization or consent for them to report to my credit. As a consumer this is violating me and my personal information. I demand for XXXX, Transunion and XXXX to delete ALL MY PERSONAL INFORMATION.
Product: Credit card

XXXX XXXX offered me {$100.00} off the cost of a flight if I applied for the Citicorp credit card. While making a reservation, I applied and was approved. When it went to the cost of the ticket, no discount was applied. A few weeks later I received the card in the mail and did n't activate it ( I cut it up and tossed ). XXXX months later I received an email that I was past due for {$95.00} which it seems is an annual fee. XXXX months after that I began receiving phone messages to pay the past due balance. I called and explained to someone who managed to waive {$80.00} of the {$95.00} annual fee. They told me I had to institute some type of appeal process for the remaining {$15.00}. I told her forget it, go ahead and waste your money chasing me for {$15.00}. My credit score is around XXXX, so I do n't think that will bother the score. No apology for never discounting my ticket, I would have to call XXXX XXXX for that. Now the phone calls are continuing and I believe it constitutes harassment. My name is XXXX XXXX in XXXX, Hawaii. Not sure the credit card number as I no longer have the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 there was a fraudulent attempt to open a credit card from company XXXX XXXX XXXX to Experian credit bureau XXXX
Product: Credit reporting or other personal consumer reports

Experian will not confirm my identity over the phone, email, website, app, or mail. 
If send a letter to Experian on XX/XX/year> with the social security number, name, phone number, current address with copy of a utility bill, auto insurance, drivers license and passport all of which contain my current address hoping gain access to my account at Experian. 
I have attempted to verify my status and eligibility to work through myEverify numerous times and fail their 5 questions 3 times on : XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, every 3 to 4 days unto XXXX XXXX again. There system will not reflect credit report to confirm identity. 
I sent a FOIA requesting passport verification and was denied by the XXXX because of identity stating FOIA/PA is only for US Citizens XXXX 
Experian automated systems fail over the automated phone system at phone number XXXX, their is no options for speaking to a special agent and the directions are to visit Experian website. 
I have attempted login to their systems but experience internal error after verifying social security number I have tried phone calls with XXXX at Experian, their automated system says they are unable to assist me over the phone. There automated systems says to visit www.experian.com I have called ( XXXX ) XXXX at Experian many times, after confirming social security number the automated system says they are unable to assist with me over the phone and contact www.experian.com with assistance. 
I have called ( XXXX ) XXXX and this automated system verifies social security number, then tells me they know I have issues and are there to help, how ever their automatic system only provides website information to change login information and mailing address. 
When I contact www.experian.com for assistance and select 'log in " I am prompted for a free credit report only only.

I received a credit report one time for free. This credit report issued had many misspellings of my name, addresses, an old phone number, old addresses with misspellings. I was able to contact Experian one time to dispute some of these but they are still not accurate. 
I received a soft inquiry form Experian after USCIS inquired on XXXX. 
I can receive mail from Experian but can not log into their system as a user. 
There is no email address at Experian to contact them.

There is only an automated system on 3 phone numbers that has no options to help.
Product: Credit card or prepaid card

Reference # XXXX - The compliant centers around two 0 % promotional APR offers with a Bank of America Credit Card. The first offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX, while the second offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX. The balance for each offer at XX/XX/XXXX were {$7800.00} and {$5100.00}, respectively. As offer XXXX was due to expire on XX/XX/XXXX, a payment of {$7800.00} was made to the account on XX/XX/XXXX. However, the payment was applied first to offer XXXX satisfying the {$5100.00} balance with the remaining balance of {$2600.00} applied to offer XXXX. Following numerous conversations with Bank of America representatives from XX/XX/XXXX to XX/XX/XXXX ( multiple calls per day ), the compliant was researched and it was determined that the payment was first applied to the offer with the earliest start date in accordance with bank guidelines and policy. 

The representative explained that the payment being applied to the offer with the earliest start date was disclosed in the Credit Card Statement ; however, the only item disclaimer in the statement references " HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balance first ( including transaction made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. '' Since both APRs were 0 % at the time the payment was processed on XX/XX/XXXX, it would appear the consumer could direct the payment to be processed in a way that is most favorable to the consumer. However, if the interest only promotional offer had expired, meaning the payment posted after XX/XX/XXXX, it would appear the allocation of the payment would have been correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX