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

Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late  payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance
Product: Debt collection

-- - Subject : Immediate Cease and Desist Notice for Unlicensed Debt Collection To Whom It May Concern, I am writing to demand that you immediately cease all attempts to collect the alleged debt referenced in your communications. Your company is not licensed to operate as a debt collection agency in the state of South Carolina, in violation of South Carolina Code Ann. 37-7-102.

As per the South Carolina Department of Consumer Affairs, all debt collectors must be licensed to legally collect debts within the state. Failure to comply with this requirement constitutes unlawful conduct and subjects your company to penalties under state law. 

I expect you to provide proof of your licensing within 15 days. If you fail to do so, I will file a formal complaint with the South Carolina Department of Consumer Affairs and pursue further legal action as necessary to protect my rights. 

This communication serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and South Carolina law. Your prompt attention to this matter is required.
Product: Money transfer, virtual currency, or money service

I am writing this complaint that not only is PayPal violating the law and XXXX rules and regulations in regards to PROVISIONAL CREDITS they are also prohibiting me from accepting money that customers are trying to send to me. Please see a photo screen shot for the evidence of this allegation.
Product: Mortgage

I applied online with Guaranteed rate on approximately XX/XX/21 for a mortgage loan. It pulled my credit and said I was prequalified. It assigned me to a loan officer. I never spoke with the loan officer until around approximately XX/XX/21 after completing all the online steps. I spoke with XXXX XXXX From Guaranteed rate. She told me my credit score over the phone. She stated it was a XXXX. Why the online site would have said I was prequalified with that score I dont know. But I do know I never received a adverse action notice about the decision with a credit score and reporting agency. I never received this from them. XXXX XXXX also inquired about how much money I had for a down payment. She also stated they like. XXXX or higher score. The type of loan I was applying for was a usda loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TRANSUNION last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.
Product: Credit card

I have the MACYS XXXX XXXX  card and someone took my card and charged on it and they told me they were taking it off and they closed my card and sent a new one now they will not help and they are ruining my credit i asked them to fix and they will not help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my credit monitoring service on approximately XX/XX/XXXX that I received a 60 day late payment status from XXXX XXXX XXXX. For context, this loan was established in and has always remained in a positive status with on time payments. In XXXX, XXXX a family member made a large payment that placed the loan into a paid good standing status through what Ive now learned to be XX/XX/XXXX. Between the periods of XXXX through XXXX my contact information changed and my e-mail was compromised. 

Unknowing to me, my account went back into repayment status early this year. XXXX did not contact me at any point to inform me there was a delinquency on the account. Upon discovering the delinquency through my credit monitoring service, I contacted the company and immediately corrected the delinquency and updated all contact information. I explained my contact information changed and they unfairly reported me to the credit bureau. The representative told me I agreed to electronic delivery years ago which meant XXXX will never contact me by postal service mail. They had incorrect telephone numbers, email address, etc. They had my current mailing address but never sent a letter through post. 

As it turns out, the agent gave me incorrect information when informing me XXXX would not mail me a notice because I received a letter of delinquency on XX/XX/XXXX and another on XX/XX/XXXX. This is proven by my USPS informed delivery service ( attached ). The letter was dated XX/XX/XXXX. It has been widely reported on that the U.S. postal service is underfunded and has significantly slowed. Had I received some indication there was a delinquency in a timely manner, this would have been remedied immediately as shown by my immediate response after discovering the delinquency on my credit report. 

I do not believe this is a fair as I made every good faith effort to correct a communication mistake from XXXX. They had at least XXXX accurate piece of contact information to reach me but failed to do so in a timely manner. Further, I do not agree with the idea that electronic delivery means a financial institution do not have make good faith attempts to reach you prior to administering punitive actions. Lastly, it should also be noted I suffered a medical emergency during the period of time my account entered repayment. Attachments demonstrate I was in recovery during XXXX. 

I have begged them to consider the nearly 9 years of time between required payments coupled with the lack of communication and incorrect information provided by customer service representatives to remove the derogatory remark on my credit. It is clear that I take my credit very seriously and acted within 24 hours of receiving notice. 

Please assist me with this. I am an XXXX XXXX XXXX in a high level role with the United State military and I would never operate in manner to hold clients or stakeholders accountable after a 9 year period without making every good faith effort to contact them. I hope the same from a financial institution.
Product: Credit reporting or other personal consumer reports

Service was supposed to be provided by Experian as part of a data breach settlement, so there was expectation that service would be at least minimal. 

On XX/XX/XXXX, I received an alert that my minor daughter 's SSN was being used in California with a new alias and address on XX/XX/XXXX. A phone number was provided for assistance, which I called and announced it was closed ( presumably for the XXXX holiday ). 

I waited some time for them to get back to the office and checked again on XX/XX/XXXX. Upon calling again for the assistance this service is supposed to provide, the system disconnected me. Upon calling again, I spoke to someone briefly who asked for the name, then to put me on hold for " a few minutes '' while she checked the name. I was then placed on hold and no one ever returned to the call. 

All other information requests I can find about reporting this ask for details, which Experian apparently has, but has blocked out for some reason ( one would think that, inside your own account, you would be able to view your 'own ' name and address? ). 

Experian has made it impossible to get information from their service and do not provide options to get the support promised from the service they claim to provide. At least they notified about an issue, but I am left unable to determine any details about the issue to file a report of any kind.
Product: Credit card or prepaid card

I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is  XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.
Product: Credit card

I mistakenly over paid my bill - resulting in a credit balance of {$2500.00}. I called to request an immediate refund. I was told the return of my money would take " XXXX business days '' which seems ridiculous. I asked them why such a lengthy delay in returning my money and was told it was their " standard research '' time policy. " Research '' of what? They are holding onto my mistaken payment for XXXX weeks collecting interest- essentially denying me use of my money.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Student loan

I called AES today XX/XX/XXXX because I had deferred my loan for 12 months and it was saying I had a payment. I have tried for months to have my payment lowered due to my XXXX year old having XXXX and they are not willing to work with me. Today and XXXX lady who I could barely understand said my loan was deferred for 12 months and there was nothing she could do about this payment. I can not keep paying this ridiculous amount for my student loans. I have tried and tried to work with this company and they will not work with me
Product: Checking or savings account

Chase bank was holding deposited checks drawn on my other bank XXXX in violation of Reg CC. They put a 7 day hold on the funds I deposited on XXXX in the amount of {$1000.00} due to reason to doubt collectability. I have had absolutely perfect  standing with Chase and there was no reason to doubt collectability. I work for XXXX XXXX ( XXXX ) and had heard multiple of our bank customers report this issue which is why I made the deposit on XXXX. When the funds were not available the next business day, I called and they told me the reason was that the paying bank ( XXXX ) did not provide timely confirmation that the check was good. Which makes no sense, since paying banks do n't provide timely confirmation other than through dollar settlement which was done. They immediately removed the hold AFTER I called and said they were in violation of Reg CC. We ( XXXX XXXX ) then went through our correspondent bank to find out why they were holding what appeared to be every XXXX XXXX check deposited at Chase, who went through XXXX XXXX who was given the following response from Chase : Regarding XXXX XXXX our Fraud/Risk Dept made a short-term change to mitigate a counterfeit trend they were seeing in order to minimize further risk and impact. Below is their feedback ; they removed all 7-day holds effective XXXX XXXX today. 

In recent months, aggressive counterfeit check attacks were observed on specific routing numbers, such that even some valid routing numbers were suffering high levels of check returns, Risk implemented a strategy to place holds on all checks from routing numbers that had observed recent high rates of check returns. This process was used as a short-term control and now that a long-term solution has been implemented we feel comfortable to remove the previous process and as a result some of these routing numbers will no longer receive holds. 

While I understand their strategy to mitigate risk, This appears to be in clear violation of Reg CC as they can not put a hold on a " class of checks '' which they did. In addition, XXXX XXXX has not had recent high rates of check returns with Chase. so what are their thresholds for determining " high levels of check returns '' - two. We have very little fraud reported on any of our accounts or even returned checks in general. This caused tremendous disturbance to myself and my customers. Had my customers not been as savvy as me, they likely had the hold remain on their funds for 7 days while Chase bank used and earned money off of those funds. 

In addition, as you can see, they lifted the hold from XXXX XXXX routing number but indicate that they have only done this for some of the routing numbers, which means they are likely continuing the practice of blacklisting bank routing numbers and placing holds on people 's deposits. We have also heard of this practice from other big banks/credit unions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed my documents to Equifax XX/XX/2019 to prove my identity. I called back XX/XX/2019 approximately XXXX XXXX  to follow up and reached a person name XXXX in Equifax 's XXXX ' office ( as XXXX said ) who first said he did NOT receive my documents, but then said he did. Then he asked me to verify the information on my documents, which I successfully did. 

XXXX then said 'suddenly ' the documents are now NOT LEGIBLE. I asked how is that possible when we just verified the information on the documents. 

I tried to get my credit report before and they constantly create road blocks and obstacles to prevent the consumer from getting access to our Credit Report. I noticed several other consumers have stated the same uncooperative experience on your message board. I have done all that is required to receive my credit report and this is being denied to me. 

I have experienced this same obstacle dealing with another XXXX office with my U.S. student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account XXXX XXXX** -Date Opened, is not matching with all credit bureaus please investigate this account fix or delete it. 
-Last Date Reported, is supposed to be accurate across all three credit bureaus and its not please fix or delete. 
-Date Last Active, is way off from XXXX and XXXX XXXX or delete it please. 

XXXX Account Number XXXX -High Credit Limit, is different from XXXX and XXXX Deleted this account XXXX Please fix or delete. 
-Date Opened, is supposed to be accurate but its not please investigate fix or delete XXXX Account Number XXXX XXXXDate Opened, is not the same across all three bureaus investigate for accurate reporting or delete it. 
-High Credit, reporting way off from XXXX and not Reported to XXXX please investigate fix or delete. 
-Date Last reported, is supposed to be the same from other credit bureaus but its not please investigate fix or delete it. 
-Date of Last Payment, its more than a month different from other credit bureaus, please investigate this and delete it. 
-Date Last Active, is way off from reported on the other bureaus, which one is reporting correct? Please investigate it. 

XXXX XXXX XXXX Account Number XXXX -Date Opened, is supposed to be the same across all three bureaus but its not, please investigate fix or delete. 
-High Credit Limit , its inconsistent and incomplete. Please fix or delete.

-Date Last Reported, is not the same from the other two credit bureaus, fix or delete.

-Date of Last Payment, is not showing the same date across all three bureaus. Please investigate and fix or delete it.

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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my third time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXXXXXX : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding XXXX XXXX  to Cease and Desist communication with my consumer credit reports, I do not give any consent for XXXX XXXX  to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d XXXX XXXX XXXX  reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist XXXX XXXX  communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

US BANK fraud department They have closed my account. I was a victim of employment fraud, after being with this bank for more than 10 years, they have been the absolute worst in every aspect of helping me. I had a little over {$2000.00} in my account prior to the fraud - it is not much I am aware but being a single mother it was my hard earned money to support my children and I. I was hired for remote work, was sent 2 checks to start up my home office. Unfortunately, this was not the case. I was taken for the money I had plus an additional nearly XXXX. I submitted all the required information, paperwork, emails, pictures, etc to the fraud department as requested. Come to find out, my claim was not fuZNlly submitted. The supervisor XXXX submitted XXXX additional documents that I originally submitted that were not submitted by the fraud department. That is 100 % a fault on US BANK, not I ( red flag XXXX ). I have called and spoken to another supervisor, XXXX, she was no help either. Basically saying I have no rights to the funds I had prior. I also had a refund of {$45.00} and some change, that they are refusing to send me a check for as they say I have no right to any funds going into the account. However, the fraud department told me they closed my account so no funds could go in or out of the account, ( red flag number XXXX ) - the only thing I am asking for is the money I had prior and the small refund. Now when I call in, I get the run around, no calls back, the managers are never available, I need help, please. I am struggling terribly to make ends meet, I have not been able to recover from the huge blow losing all my funds has caused and now they are sending the debt to collections. 
Case numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individuals dealt with, XXXX ( XXXX ) and XXXX