23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

One of the benfits of my Amex Platinum card is to receive once a year a {$200.00} credit towards a hotel booking made with the Hotel Collection or Fine Hotel and Resorts. 

I wanted to utilize the benefit so I went to the AMEX website and to the benefits page and hit on a call to action " book now '' ( see photo ) assuming that that will take me to a list of eligible hotels. I did find a list of hotels and I made a booking for the XXXX XXXX on XX/XX/XXXX ( see screenshot ). 

I later noticed that I did not receive the credit. So I contacted Amex and I was told that despite the XXXX being on the list. It's not eligible as it's not part of the program. If it's not part of the program why is it on the list? The rep said sorry but there is nothing I can do! I think it's not fair and this is very deceiving. I pay {$690.00} for the card and this is disappointing.
Product: Money transfers

I received a phone call from XXXX A lady name XXXX XXXX with XXXX XXXX XXXX treating me with jail time of 5 years if I do n't send her {$4100.00} by money gram then they had me running around town to a walmart and I was supposed to be in phone checking the them every minute if the phone call got disconnected I would be arrested. They demanded not to tell any one and send XXXX money grams to XXXX XXXX in TX for {$670.00} and XXXX XXXX in TX for {$600.00}. that was XX/XX/2015. Today XX/XX/2015 call me from another phone XXXX But my husband cussed them out and they stop. Now they stole from me {$1300.00} I was afraid for my life it was so disturbing. They yelled at me and it sound so real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XX/XX/XXXX
Product: Mortgage

During XXXX, I used the CARES Act to apply for XXXX hardship mortgage forebearance. I contacted BBT/Truist in XX/XX/XXXX to let them know that my hardship was over and that I was ready to resume my mortgage payments. I was told that it did not just " pick back up '' where I left off but instead I either had to pay all my missed payments in one lump sum or I needed to do a loan modification. Since I could not afford to lump payment I told them I would do the Loan Modification. 

I was given the parameters that I needed to follow. Starting XX/XX/XXXX I started making monthly payments again on my mortgage. I followed all rules set forth for me regarding trial payments and was told I had met the requirements for loan modficiation. I filled out all paperwork and had it notarized. It was sent back and received by the company on XX/XX/XXXX. I continued to make my monthly payments while waiting for the loan to be removed from loss mitigation. Each time a payment was made via telephone I would ask about the status of my loan and the representative was never able to give me any details. I was only told to continue to wait. 

In early XXXX I recieved ANOTHER copy of the loan modification paperwork and was told I had to re do it all due to an error on their end. So we filled out the paperwork and had it notarized for a second time. It was received back by Truist Bank on XX/XX/XXXX according to tracking records. 

Since that time I have not been removed from loss mitigation nor has my loan been modified. I have continued to call monthly to make my mortgage payment and each time ask where I am at in the process and I can never get an answer, except to please be patient and continue to wait. 

Since letting Truist Bank know I no longer was under hardship, I have made 14 payments, filled out modification paperwork twice and yet nothing has changed. My payments do not go towards my balance but instead are being held in a suspense account. I continue to receive statements showing my mortage is in loss mitigation and my balance due continues to grow. I have continued to advise the customer representatives that I am no longer under a hardship and ready to continue to a conventional mortgage but nothing has been done.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.
Product: Credit reporting or other personal consumer reports

I found reported XXXX XXXX XXXX a late of 30 days in my credit report with experien, I submitted a certified letter with usps ( with a return address that are posted on my credit report ), I was asking for my signature provided to the company, as this is not my account with XXXX. Got back a email from them that they received my request but will not do nothing about it.
Product: Payday loan, title loan, or personal loan

I called Advantage Financial in XXXX Ms , to see if I could just pay interest o my loan due the Covid Virus my hours have been cut on Monday XX/XX/2020. The manager told me they can not do it, they do it in Louisiana but not in their Mississippi offices, that they are watching to see if it gets bad enough here to do it in Mississippi! I dont understand how you can do it in one state and not another, the Covid Virus is bad all over. All my other financial companies, worked with me. This company really has no comparison to help their clients, I am NEVER going to use them again. I hope you can let them know, they are very unprofessional and uncaring!
Product: Mortgage

My sister XXXX XXXX is mentally ill and her home was wrongfully sold at auction. 
She became mentally ill over many years and has progressively become worse. 
XXXX signed a mortgage on XXXX XXXX XXXX in that mortgage included a note drawn on the same day by XXXX ( now Well Fargo ). The note clearly shows 120 payments ( 10 years ) to be completed on XXXX XXXX XXXX. The deed drawn on the same day mistakenly show a completion date of XXXX XXXX XXXX! XXXX XXXX foreclosed in XX/XX/XXXX and sold my XXXX sisters home for {$6500.00} on a debt that was owed. They did so 5 years past the statute of limitations to collect. The statute of limitations in Alaska gave them 6 years ending XX/XX/XXXX! The debt owed was {$1700.00} according to them but nothing was ever recorded or sent to my sister of this amount owed. 
To be clear no payments were received past XX/XX/XXXX and they XXXX XXXX foreclosed on the deed not the note Further the bank had already taken funds from my sisters account by mistake in XX/XX/XXXX and she had not been repaid this money so she stopped paying so they could clear up their mistake ... they never repaid her. 
To be clear : Wells Fargo sold a worthless note in XX/XX/XXXX to XXXX XXXX ... and these XXXX along with XXXX XXXX and XXXX XXXX sold the home at auction. Breaking federal credit laws collection and state statutes covering statute of limitation on collections. 
The bottom line is this : 1 ) My sister was found by a court to be incompetent 2 years prior to the sale. 
2 ) They were 5 years past the statute of limitations to collect! 
3 ) They sold the home for too little. 
4 ) They had no rights to collect. 
My XXXX sister is now living in the streets because of their errors and with the type of XXXX she has its difficult for family to help her. We have now had to go to court to get conservatorship of her so we can try and right the wrongs these idiots have done to her! 
a {$200000.00} house sold for {$6500.00} on a debt of {$1700.00} that they had no authority to sell ... 
is there a federal agency that can please help us in this matter?
Product: Checking or savings account

On XX/XX/2023 {$480.00} was withdrawn from my account via ATM machine at a XXXX without my authorization. My card never left my possession. I notified the bank soon after. Once they did their investigation, they said I authorized the withdrawal. Which I did not. In the same letter, they said I have the right to request the information they used to come to their conclusion. When I called to request the information ( evidence ), they said I would need a subpoena. Needing a subpoena via a lawsuit was not mention in the letter. 

I am a senior on Social Security, I can not afford to get a lawyer to get a subpoena. However, I really need my money. I do not believe they investigated. I need to see the evidence they have that proved I took the money via ATM.
Product: Credit reporting or other personal consumer reports

Complaint XXXX. 
I am rejecting this response because : Great you just admited you are not a creditor of mines. Therefore you have no right to report as a creditor XXXX XXXX XXXX on my credit report .You are breaking 15 U.S. Code 1692e - False or misleading representations AS ONLY creditors can report to credit reports .You admitted per last response that you arent a creditor of mines and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code 1692g - Validation of debts.As in XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), you are liable for your willful non compliance .This is my third documented request from XXXX  ASKING YOU TO PROVIDE any of the contract signed between YOU DEBT COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT.You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful compliance .You are taking advantage of consumers especially me being on a fix income .and about to be homeless I was denied being approved for a Mortage due to transunion allowing XXXX XXXX XXXX to insert this false account on my credit Please remove yourself from my consumer report before I file ligation. transunion please send me a updated copy of my credit report because I still have received it its XX/XX/2024 didn't haven't got it because this my third time disputing this false account with you this false derogatory collection still failing to comply with reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/NAVIENT has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this account
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX Cc Federal Trade Commission. Cc XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Sons name is on my credit report - it was recently added within the past week - this item is listed as another name i go by which is incorrect.
Product: Mortgage

This is my 3rd complain with Ally Home Loans. Since originally complaining, they finally put me my legally-required deferment due to my military XXXX. However, since then they overcharged me for XXXX and XXXX payments. I have requested a refund 4 times via phone and have attempted to contact XXXX XXXX ( sp? ) who was the original case manager assigned by Ally. She has not responded to my XXXX voicemails left over the past XXXX weeks, and the representatives on the phone keep telling me the work order for the refund gets closed. This is still an ongoing issue and Ally provides very, very poor customer service. I am owed {$13000.00}. They still, STILL, as of today are telling me they do not owe me money and that I may owe them money in XXXX. PLEASE HELP ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Student loan

As an account holder in Navient, I have an online account for easy access, but the way they have the set-up is really hard to have much control.

In the month of XX/XX/XXXX, I wanted to add an extra amount on to my minimum payment, to pay off the loan faster, but in order to do so, I had to cancel my current AutoPay amount and reapply. Based on my payments of {$95.00}, I requested an additional {$54.00} to be added, totalling to {$150.00}. I got a notification that my request had to be reviewed in order to get approved. On XX/XX/XXXX I received a message stating the highest they could go was to {$140.00} and that I needed to sig

n up to Auto Pay online on my own accord. Navient 's online setup for AutoPay does not allow one to choose a specific amount, on the contrary, when I called, I was infor
med that my minimum payment would increase, since I had requested to add an extra amount. I asked to representative to explain how the minimum payment was calculated, to which she stated it was based on the amount I wanted to pay. I informed that to my understanding there's a difference between the minimum payment and monthly payment, and the minimum payment was consistent no matter what. She said that Navient calculates payments based on the pay off date, and the pay off date shifts based on how much I pay a month.

In the end the representative cancelled my autopay request, said my minimum payments would now be {$96.00} and everything else I pay would be extra. But in the mean time she had to wait for approval, therefore I would not be receiving interest reduction benefits and accrue interest at a contractual rate ( which since being transferred to Navient on XX/XX/XXXX has gone up from 4.780 % to 5.590 %. In addition, the in my loan term, I could no longer apply to increase payments because I only get one chance to do so, and I used it up. 

Navient has no transparency with consumers, and their online management is very poor and not detailed with loan information.
Product: Debt collection

Debt collector claiming to be from an attorney 's office, repeatedly tried to get me to pay a tax debt that I explained over and over was a mistake. He acted like he was going to help me fix the mistake, but did nothing. He lied about submitting my paperwork to the PA state tax department for review ( I submitted paperwork after XXXX and by XXXX he called and said PA Department of Revenue had reviewed - no government agency works that fast! ). He also told me that some items we listed on tax returns were not valid write offs, ie. contract labor on a general contractor 's tax return. When I questioned him about this, he acted like he did not just say it. He called me a liar when I told him a letter sent from the state was not received, and then, even when he stated that the letter was returned as non-deliverable, he still implied I was lying to him. He was very condescending, forceful and deceptive and made me very XXXX about his phone calls. He was trying to get me to pay {$46000.00}. Since I did n't trust that his collection attempts were valid, we checked with the state to make sure he was not a scam artist. We actually owe {$100.00} which we will be paying directly to PA Department of Revenue Pass Through Business office.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX erroneous hard inquires on my Equifax credit report. Further they are additionally dubious not just because I did not initiate them but they contain no lender contact data information ( see attachment ) which is a violation of current Credit reporting regulation, in other words according to Equifax I could n't contact them to dispute these hard inquires if I wanted to ( I do ) because they refuse to post contact info or is missing due to grave error. The added rules that went to effect XXXX XXXX clearly sate all tradeline data including court data must me accurate or it must be automatically removed without question. The XXXX tradelines are : XXXX From XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX and XXXX XXXX 2017, and XXXX XXXX from XXXX XXXX 2017. All state that : " No contact information has been report by this creditor ''
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
XXXXThe U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/2023. XXXX  This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a full file disclosure, opt of of permanently solicitation or credit offers for 5 years and a security freeze, I have no confirmation of the items I requested over 30 days ago on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding Experian, XXXX, and XXXX, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, Experian, XXXX, and XXXX have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from Experian, XXXX, and XXXX and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against Experian, XXXX, and XXXX for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention to this matter. 

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

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX # XXXX XXXX XXXX # XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.