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

This is a letter which I sent to SageStream LLC on XX/XX/2020. It summarizes the problem. 

SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : In XXXX, I was notified by XXXX XXXX  that we were denied a XX/XX/XXXX based on a credit scoring system used by your Company Sagestream. 

The correspondence from XX/XX/XXXX indicated that the reasons I was denied were : Days since most recent inquiry too short Not enough mortgage experience Length of time oldest bank revolving account has been established is too short Distance between prior residences is too long This information does not match up with reality, so I tried to contact you by phone and fax, to no avail. No human being picks up the phone at your company, and your fax machine does not work either. So I snail mailed in a written complaint on the form on your website. 

You wrote back on XX/XX/XXXX saying that my dispute with you was unclear. I dont know what was unclear. I am disputing the accuracy of the information in my consumer file. I want to know WHERE you obtained this information and what has been used against me. I want to know WHAT information has been used. I want to know my CREDIT SCORE and how it was computed. My XXXX   score is XXXX. 

Again, the information provided to me in XXXX letter indicates your system is provide FALSE information. 

I have since frozen my credit report with your company since I have not been able to resolve this with a real human being. 

FURTHERMORE, After I was denied credit, my husband, XXXX XXXX XXXX, XXXX, applied for a XX/XX/XXXX and XX/XX/XXXX, and he too was denied. On XX/XX/XXXX, you wrote him a letter indicating his credit score was XXXX. The reasons you cite in this letter, such as when the consumers SSN was issued compared to his peers and limited credit history do not line up with reality either. 

Your letter does not explain how you arrived at that score. He also is disputing the accuracy of the information in his consumer file. He wants to know WHERE you obtained this information and what has been used against me. He wants to know WHAT information has been used. He wants to know how his score was computed. Note his signature on this letter confirming that this is the information requested.

My husband and I both have FICO scores over 800. We take pride in paying our bills on time and have NEVER -- I repeat NEVER -- been denied credit cards.

( Cont. on next page. ) We expect that you will respond to these requests quickly given that almost two months have gone by without an appropriate response from your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.
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. 

- XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
- XXXX XXXX Acct # 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 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 of 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: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that I still have a report in my disputes from a hospital bill that I didnt have any money part in. I have a son that has the same exact name as I do. I know a fact I havent been to that hospital in years. Definitely not then but my son may have because he struggled with respiratory issues a lot in his first couple of years so the report has to be a mix up.
Product: Credit card

I applied for a Amex Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.
Product: Credit reporting

THE FCRA asserts my right to fair, accurate and complete reporting of information by EXPERIAN and their furnishers.EXPERIAN TODAY THROUGH CLEAR AND CONVINCING EVIDENCE ATTATCHED HERE, INTENTIONALLY AND KNOWINGLY WILL NOT FOLLOW THE REQUIREMENTS OF FCRA REPORTING REGARDING ACCURATE AND COMPLETE REPORTING. 
The first XXXX XXXX account,XXXX is attatched.The report today does not include a DOFD, date of first delinquency ... .experian 's fall-off date is inaccurate and only an estimate of a DOFD ... THE DOFD EXISTED ON XXXX XXXX ( XXXX XXXX REPORT ATTATCHED ) ... IT HAS BEEN REMOVED IN THE ABOVE INVESTIGATION I HAVE ATTATCHED THE VIOLATION STATUTES REGARDING THE DOFD. 
I HAVE ATTATCHED A LETTER FROM XXXX ASKING FOR SPECIFICITY IN CREDIT INVESTIGATION ... .I HAVE DONE SO.
Product: Mortgage

Mr. Cooper is systematically delaying the process of a XXXX assumption. Mr. Cooper is NOT considering the request for the assumption to be an actual application and are treating it as a clerical administrative function. The selling party and the assuming party have submitted the XXXX key requirements to Mr. Cooper to start processing the loan assumption. The XXXX pieces of information necessary to generate an application that necessitates Mr. Cooper issuing a loan estimate and start the process of approving the buyers credit application name, income, social security number, property address, estimated property value, and mortgage loan amount. Yet, Mr. Cooper continuously states that they have not received all documents nor provide any follow-up regarding the file. Moreover, after multiple calls with Mr. Cooper, no representative stated that the person assigned to our file left the company more than XXXX weeks ago and since then, no representative has been assigned to our file.
Product: Credit card or prepaid card

A letter was sent to my house today XXXX XXXX 2017 ( date on the letter XXXX XXXX 2017 ) which states I opened an account and they are closing it due to serious delinquency. I never opened an account with this online store ( amazon.com ) or the bank behind it ( Synchrony Bank ). I called their fraud department and they asked me my social security number, which I refused to give but gave last four digits so they can find the information about the fraudulent account ) so far, they said no account was found with my social security number but they reported me to XXXX, which lowered my credit score I am trying to ameliorate. The person I talked to, also tried to get my father 's social security number, we have similar names. I never opened an Amazon store credit card and definitely never plan to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry dated XX/XX/2019 on my TransUnion credit report from XXXX National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my TranUnion report. It, however does not appear on my XXXX report. So I decided to call XXXX at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call TransUnion and let them know. I asked him if I need anything from him and he said no, that TransUnion would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call XXXX back and get a letter of deletion from XXXX. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report. 

I call XXXX back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that TransUnion requested it and still they refused to provide any such document. 

Furious, I called TransUnion back and let them know that XXXX refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in XXXX  's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this XXXX National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

Thank you
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 Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 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 of 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: Debt collection

The apartment had problems and they deliberately did not repair the apartment, and because of this negligence, I suffered silver losses. 
If they were honest, they would not have abandoned the eviction lawsuit they filed against me. I'm careful about my reputation on record or credit report history. They used my XXXX supplies and prevented me from using XXXX. They failed to promise to the lease
Product: Checking or savings account

Sadly on XX/XX/2019 my husband passed away I notified the social security administration on XXXX the representative informed me that his last check for XXXX that was deposited on XXXX would have to be sent back by the bank and issued to me ( the beneficiary ) and that anything owed to the bank I would pay once the check was sent to me. He said that they could not pay someone if they were not alive on the date the check was issued. The bank never sent the check back to Social Security. After many attempts to get this resolved via phone calls emails and in person the bank never released the hold on the check The social security office said since they would not release the check I needed to contact the US Treasury Dept.  I was grieving for my husband of almost 30 years and this was nonsense ... I then received a letter dated XX/XX/2019 from the bank stating account closed with a negative balance of XXXX. Then I received another letter from the bank dated XXXX stating account closed with a negative balance of XXXX. How could that be when it was supposedly closed on XX/XX/XXXX with a XXXX balance. They charged me XXXX per day for continuous overdraft fee after the account had been closed. Again how could that be? Now I have just found out that my GA dept of revenue tax refund was sent to this " closed account '' and they kept most of my money and cut me a check for the difference and I'm not even on the bank account. They never would speak to me because I was not on his account but they didn't have a problem keeping money that was in my name. I called the bank to let them know that the refund was sent to them error and after speaking with 2 people in the ACH dept I was told that there had been no activity on that account and that the refund check would be sent back to GA Revenue Dept. because it was a closed account. I received a call from the revenue dept and I was told to go to the bank and then call them so they could tell us where the check went to since it had been almost 2weeks and  the bank said they didn't have it and the revenue dept never got it back. I went to the bank and the lobby was closed drive thru only I reached out again to the bank and was transferred 5 times and then put on hold for 56 minutes and then it was XXXX and nobody answered. Someone needs to make banks accountable. This is NOT acceptable. I have more documents to verify everything in this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. I have tried to resolve this matter with this company and they have failed to resolve the issue or provide me with the verification details therefore they are not in compliance with FCRA laws.
Product: Money transfer, virtual currency, or money service

PNC will not let me connect my XXXX  account that has money on it
Product: Debt collection

XXXX XXXX XXXX has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX program for a major setback due to a triggering event at work regarding a member of the management team being XXXX for XXXX XXXX XXXX XXXX XXXX and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with XXXX XXXX XXXX explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX XXXX this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.
Product: Prepaid card

XXXX To whom it may concern, I was given a Vanilla Visa gift card by my husband. I tried using the vanilla gift card at XXXX on XXXX only to find out it was 'declined " needless say, it was so embarrassing. The merchant said they have problems with vanilla gift cards and not to buy them. 

This morning XXXX  XXXX I called Vanilla gift card customer service only to be told the money was never loaded on the card. I asked the guy on the phone if there was a complaint department, he said no, but i needed to send a email to somewhere, unfortunately I could not understand what he was saying, even after he repeated it twice. 

This is absolutely ridiculous, customers should have to deal with things like this, they pay money only to find out the funds were never loaded, how is that? 

I am not if this will reach anyone who really cares, but this is the second time we have dealt with Vanilla gift card not being valid. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

I purchased two tickets for a flight on my Chase credit card using Chase reward point and charge to card. 

The flights were cancelled. 

In XXXX I contacted the credit card issuer to provide a refund. Despite numerous calls this has not happened.
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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 168sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, WI. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX Re : Affidavit Regarding Unauthorized Collection Placement on Credit Report To Whom It May Concern, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, WI. XXXX, hereby submit this affidavit to contest the unauthorized placement of a collection account on my credit report by your agency. This affidavit is a formal declaration of my intent to pursue legal action against your agency for violating my rights under the Fair Credit Reporting Act ( FCRA ) and engaging in unfair and deceptive practices. 

I affirm the following statements to be true and accurate to the best of my knowledge : 1. On XX/XX/year>, I discovered an unauthorized collection account listed on my credit report, reported by your agency, XXXX XXXX XXXX. The account is not in my name, and I have no knowledge of the debt it represents.

2. Upon discovery of the unauthorized collection account, I promptly disputed the account with the credit reporting agencies in accordance with my rights under the FCRA.

3. Subsequently, the disputed collection account ( XXXX  ) was investigated and removed from my credit report by the credit reporting agencies, as it was found to be inaccurately reported and not associated with me.

4. Despite the removal of the disputed collection account, I have recently discovered that your agency has reinserted the same collection account onto my credit report without my authorization or consent.

5. This unauthorized placement of the collection account has caused significant harm to my creditworthiness, resulting in negative impacts on my ability to obtain credit, loans, housing, and employment opportunities. 

6. Your agency 's actions constitute violations of the FCRA, which prohibits the reporting of inaccurate or unverifiable information to credit reporting agencies and requires verification of disputed items.

7. I demand that your agency immediately cease and desist from reporting the unauthorized collection account on my credit report and take all necessary actions to remove it permanently.

8. Furthermore, I reserve the right to pursue legal remedies available to me under the FCRA and other applicable laws, including but not limited to statutory damages, actual damages, punitive damages, and attorney 's fees. 

I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 

[ Your Signature ] XXXX XXXX
Product: Checking or savings account

Greetings I am writing to formally express my concerns regarding Navy Federal Credit Union Overdraft Fees handling of disputes, particularly considering the recent CFPB lawsuit highlighting significant issues with the platform. As a member with NFCU for over 18yrs I have experience Overdraft fees which lead NFCU to withdraw fees out of my account without my permission for years and based on the lawsuit I would like to submit a claim do to the lack of accountability of NFCU .
Product: Money transfer, virtual currency, or money service

I was issued a cashier 's check for the sale of my boat ; the check came directly to me and was from Bank of The West. 

Upon receipt of the cashier 's check, I released my boat with all paperwork to the buyer XXXX XXXX. 

After 3 days in my account I receive notice from my bank that the cashier 's check was returned due to a stop payment. First, I was told a cashier 's check was as good as cash. Now I have no boat, no paperwork and don't have the money. I can't reach the buyer or anyone at Bank of the West.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old private student loan that defaulted in XXXX however the collection agency XXXX XXXX is reporting it is a brand new collection from XX/XX/XXXX.
Product: Credit card or prepaid card

I received a promotion that stated : Pay at least one insurance bill with your XXXX XXXX XXXX XXXX XXXX by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a statefarm bill on XX/XX/XXXX in the amount of XXXX  The terms state within 2-3 billing cycles but the promotional points have not posted. 

The company responded citing a " recurring bill pay promotion '' which was a separate and distinct promotion from the Insurance bill payment promotion. I am stilled owed the XXXX points. 

I have attached their response which incorrectly cites the wrong promotion.