23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

nterestingly enough, Experian is incorrectly reporting XXXX of my student loans with having late payments in their history. Experian has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and 120 late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Experian claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Experian claims I was late, the Experian report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the Department of Education on XXXX XXXX, XXXX. Attached is the Experian page report showing I disputed this and Experian claims they verified it and did not change it. Also attached is the document from XXXX showing all my loans were due XXXX so there is no way this can be late. XXXX
Product: Debt collection

I received an initial communications letter from Radius Global Solutions LLC on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being.

I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXXXXXX XXXX XXXXXXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXXXXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Product: Checking or savings account

2010-2012 I had wells Fargo and they took money out my account without my knowledge so I closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Product: Credit card

I have been a Capital One account holder since XXXX. I scheduled a payment online and the system posted it the day after the due date. Due date was XX/XX/XXXX, payment was scheduled for XX/XX/XXXX, payment posted on XX/XX/XXXX. I called Capital One inquiring why the payment didn't post when I scheduled it for the due date of XX/XX/XXXX. Capital One could not explain. I was then charged a {$29.00} late fee. I have paid off the card, less the {$29.00} fee, and closed the account. I have called customer service requesting the {$29.00} fee be reversed as I scheduled my payment on time and paid my entire balance off. Customer service, supervisors and managers were " unable '' to override the system to waive the {$29.00} fee. I find it hard to believe that management is unable to waive a {$29.00} fee even though they want to. I am filing this complaint in hopes Capital One will be able to find the ability to waive the {$29.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Navy Federal Credit Union. I was living in the XXXX in XXXX and XXXX for Medical School so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for medical school. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Product: Credit reporting or other personal consumer reports

According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication 4681 ( XXXX ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.
Product: Mortgage

I am unable to change my contact email address or turn on paperless statements because of website errors.

I have emailed them and called them and they have not fixed the problem with their website.

There is a reason they have an average 1.5 star review on XXXX  ....

You will literally never get a response from XXXX even though that is what they tell you to email for problems ... ...
Product: Debt collection

XX/XX/18 I have contact Experian spoken with XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/2018. I have request document on file to confirm account as of today XX/XX/18 I don't have documents. 

XX/XX/18 I have spoken with XXXX XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/18. This is ( 2 ) different sold dates. 

XX/XX/18 I have contact XXXX XXXX XXXX to request validation of debt and still have not received documents as of XX/XX/18 XX/XX/18 I have contact XXXX XXXX XXXX spoken with XXXX, XXXX and XXXX XXXX to confirm account by requesting validation of debt.
Product: Credit reporting

A vehicle lease reporting on my credit file was NEVER delinquent but this agency is reporting XXXX late payments for XXXX and XXXX for XXXX # XXXX. This account was never late and should not contain any derogatory lates. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from the reporting agency has verified anything with them. The other XXXX major reporting agencies are NOT reporting any lates on this account. SO how does this agency have this account reporting this way? this is not right.
Product: Mortgage

In  XX/XX/XXXX  I attempted to refinance my mortgage with  Navy Federal ( th e current lender 4.25 % fixed ). I was first quoted a rate of 3.25 % on a  XX/XX/XXXX , after passing first round of underwriting they changed the rate to 3.25 % plus 5 % ( discount/orig ), they then order an appraisal ( I paid {$650.0 0} ). The  appraisal came in lower so they then raised the rate to 4.25 plus .5 % points.  <P/> After pointing out the stupidity of their offer they reduced the rate to 3.65 % provided I pay {$11000.00}.  <P/> I am a federal bank regulator, banker, and real estate pro . - Navy Federal has  no business lending. They have utilized a " Bait and Switch '' marketing.  <P/> Please investigate this matter.  <P/> I am seeking a repayment of my appraisal fee of {$650.00}.  <P/> Thanks,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Transunion and to XXXXXXXX XXXX  and notify them of their error posting of information on myreport. I was never late on these accounts. I have been monitoring my credit report for anychanges since my several dispute letters, but I am yet to see the correction that I asked forand desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of thepayment history but I did not receive what I asked and these violations still persist on mycredit report.
Product: Checking or savings account

XXXX XXXX charged my card {$290.00} instead of {$190.00} agreed price with discount. This is fraud. Also Chase closed my account 2 weeks ago and immediately locked me out if inlune access and refuses to send statements.
Product: Debt collection

Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. Caine & Weiner Co. INC Has no business agreement with myself.
Product: Credit card

I received bills XX/XX/XXXX from Pay Pal Credit, I called and told them I do not have a credit with your company and they said they would send me paperwork to refute this billing/acct.so as not to have a collection on my credit record I paid the {$870.00} with assurance from Pay Pal that it would be refunded when all the mess was straightened out and the acct was closed and no further cash advances could be done and I waited for the paperwork from them. Then on XXXX XXXX I received a bill from a collection agency for another {$600.00} owed to Pay Pal credit. I once again called Pay Pal and they said sorry and they would send the paperwork. I paid the {$600.00} on XX/XX/XXXX. Pay Pal has not looked into this fraud and done nothing to resolve this issue except to send it to collection. I want my money back and Pay pal to find out who used my info to open this acct.
Product: Money transfer, virtual currency, or money service

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX description : XXXX XXXX XXXX XXXX is holding roughly {$34000.00} on XX/XX/2024. 
When contacting customer service they said I need to verify my identity and that what I did. Shortly after I received an email that they were deactivating my account and holding my funds for 90 days and could not explain why. Their hold is arbitrary and capricious ; ample proof was given to validate transactions and my identity ; after proof was provided the resolution time was unwarranted. 

The software that we use for our sports league is called XXXX XXXX They use 3rd party ( square ) for their payment processing when teams register for events. This is why we used square because it was supposed to be easy and stress free for us as a league.
Product: Debt collection

I have received mutliple calls from Portfolio recovery group asking for me they never verify any of the information and instead ask me to verify myself to them i have instructed them to stop phone calls to me and all communication 4 times and they have continue to harrass me i have rcvd 6 calls today alone from them.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update and express my concerns regarding my ongoing dispute with Experian. I previously submitted a dispute related to inaccuracies on my credit report, and I received a response from Experian stating that the examples and details I provided in my dispute were not valid. I have attached the latest dispute correspondence I received from Experian for your reference. 

After reviewing Experian 's response, I found that the only change made to my credit report was the updating of a phone number. However, all other details that I brought up in my dispute, such as corrections to the company names and account statuses, were not addressed or modified in any way. It seems that Experian has only made adjustments to certain trivial elements, leaving the rest of the information unchanged, despite the concerns I raised. 

Given the lack of substantive changes or corrections to my credit report, I am requesting your assistance in further reviewing this matter. I believe that the inaccuracies on my credit report still remain unresolved, and Experian 's response does not fully address the validity of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. THIS IS IN REFERENCE TO EQUIFAX RESPONSE REQUEST ; XXXX XXXX
Product: Credit reporting 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 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 has violated my rights. 

I viewed my Equifax report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card

I am writing to address the ongoing issue regarding my hotel reservation at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, originally booked through the American Express XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX for {$4200.00}. 

To summarize the situation : XXXX. Initial Booking : On XX/XX/XXXX, I booked the hotel stay at the price of {$4200.00} through the American Express XXXX XXXX, which was accompanied by the Lowest Price Guaranteed offer. 

XXXX. Price Discrepancy : On XX/XX/XXXX, I found a cheaper price of around {$4100.00} by booking directly through the hotel, which also included additional benefits such as a {$750.00} hotel credit and complimentary shuttle service. I also checked other platforms, such as XXXX and XXXX XXXX, and found lower prices there as well. 

XXXX. Request for Price Match : I contacted American Express customer service, requesting a price match based on the Lowest Price Guaranteed terms. Unfortunately, they refused, citing that the hotels promotion was not considered a valid price match. 

XXXX. Dispute Initiation : I was told the booking was nonrefundable, but American Express suggested they could request an exception from the hotel. After attempting to reach the hotel without success, they advised me to dispute the charge through my credit card. Although I did not initially agree to this course of action, they informed me the dispute had already been initiated. 

XXXX. Refund Notification : On XX/XX/XXXX, I received an email from the American Express Dispute team stating they had refunded the charge. When I contacted American Express customer service to clarify, I was assured that the dispute was resolved in my favor, and I was refunded. 

XXXX. Booking XXXX XXXX : Based on this assurance, I booked a new hotel through a different agency, confident that the matter had been settled. 

XXXX. Subsequent Issue : However, I later received an email from the American Express Dispute team informing me that my original booking at XXXX XXXX XXXX XXXX XXXX had been canceled, but that I was still liable for the charge due to the nonrefundable terms. 

Miscommunication and Concerns : The series of misleading information and actions from American Express customer service has created confusion and significant inconvenience. I was led to believe that the charge had been resolved in my favor and that I could proceed with booking a new hotel, only to later find out that I am still being charged for the canceled booking.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Per 15 USC 1681 Permissible Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately
Product: Credit card or prepaid card

On XX/XX/2016, aplied for a {$200.00}, secure credit card, with no fees and interest for 18 months, during the use of this card they charge annual percent of {$25.00} dollars and interest over purchase, I try to fix this but it's too difficult now, I'm in the credit bureau with 2 different card number .I need to clear this debt, I don't owned this and I only use one credit card not other one