23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX also XXXX XXXX XXXX has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Product: Credit card

I traveled overseas to XXXX last year on XXXX 2014, I book a hotel for XXXX days ( XXXX XXXX XXXX Houses ) for a total {$1400.00}, when I arrived in XXXX around XXXX XXXX on XXXX XXXX 2014 I was expecting a main entrance with a lobby like any other Hotel, but to my surprised it was not entrance of any kind, not XXXX was there to check me in, I called XXXX of times to the number on my reservation and all I got was a recording message staying to live my name and number that someone will get back to me as soon as possible, which I left a message. I was afraid in the middle of not ware, and I need it a place to stay so I walked and I booked my stay in another hotel ( XXXX XXXX ), I continued to call to the other hotel with no response, I decided to go back to see if I can see anyone cause I already paid for a reservation and i scream and someone came out and walk me through a kitchen and took me to a small office and the owner was there and told me not to worry about it that I wont be charge after listening to me, them I walk out thinking that I wont be charge, Now American express is charging me the full amount of the reservation staying that the hotel policy cancellation specify that the full amount will be charge to my credit card in case of not show, cancellation or modification, but none of this policy apply to my situation I arrived to a hotel with not lobby, not main entrance, non crew to take care of me, I though at that moment that I was robbed, was completely empty I saw a pool but no one around what I am supposed to do I need it a place to stay, I try to contact the merchant but he told me that the hotel only open XXXX months per year and he will not refund my money, my cousin who owes a XXXX question him and that was the answer basically you make a reservation and you do n't get your money back because they only open XXXX months a year, an American express is telling they cant do nothing because of the hotel policy that the merchant shows them enough proof of course the reservation that I had made with them, but that does not mean I received a service, what law protect a consumer in my position. I need your help I am XXXX years old men and if you was in my place what would you do on the middle of the calderas in the mountains with not place to stay I was worry I will not have a place to stay I was expecting a XXXX start hotel which I was very disappoint,
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX card, 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXX-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance Protection Bureau Representative, Good  morning! 

In the past 150 days since XX/XX/2020 ; the Experian Credit Reporting Company has lowered my credit score some fifty ( 50 ) basis points ; as of XX/XX/2020. 

In that time time I have not opened any new accounts or currently have any accounts open. In fact, I have no credit card debts, loans, mortgage debts, bankruptcy, collection company obligations, mortgage foreclosure, or judgments in my credit history. My debt to income ratio is XXXX ( XXXX ). 

In addition to the aforementioned facts there have only 5 credit report inquiries made during that time, none of which resulted in opening any new accounts. So why the fifty basis point reduction from Experian? 

I believe it is all part of their seamless and direct retaliation to my refusal and rejection of their bank card solicitation offers made through their merchant banks that are advertising through them for marketing to high interest bank card offers they routinely send me. 

I appreciate your help, time, and courteous reply.
Product: Credit reporting or other personal consumer reports

Someone has been applying for credit cards with XXXX XXXX, XXXX XXXX, and USBank. All of the applications were denied. However,. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from TransUnion so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : XXXX, TransUnion, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, TransUnion and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, TransUnion or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXX XXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the account to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my car was totaled. The person who hit my vehicles insurance paid off the remaining loan balance. Ally financial, however, after receiving this payoff instead of closing my acct reported me to the credit bureaus as late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XX/XX/XXXXto have this inaccuracy removed. I was told if I didnt hear back in 45 days it would be removed. I never heard back so I assumed this was removed. I recently applied for a mortgage and this was still present. I called Ally again on XX/XX/XXXX, and was told they would need to resubmit a claim. My wife then called on XX/XX/XXXX and asked for an update and asked if this could be expedited as we are trying to purchase a home and this is hindering our ability. The agent on the phone said the claim submitted on XX/XX/XXXX had no information attached to it so it would automatically be denied. This agent then filed a new claim with all updated information and she was told they would try and expedite this matter. My wife then called today XX/XX/XXXX and was pushed to 2 different departments and no one was able to help. This should have been cleared years ago when they were paid and again last year when I filed a claim however this is still present and actively affecting my familys ability to buy a home. Every day that goes by with this unresolved is another day of rising interest rates and lost opportunities on homes. Please help!
Product: Student loan

Hello! 
I had 7 loans from Navient part of my student loan program. I graduated and was on the income re-driven payment plan, and then my plan expired, Navient called me, and I told them I would like to continue to stay on the plan, and they said that is fine. A few months later I look at my credit report and I see 21 Items as 90 Days late. 7 Late to XXXX, 7 Late to XXXX, 7 Late to XXXX. I contacted Navient, and they said I did not fill out a new form to qualify for the income re-driven payment plan. That's funny because the agent I spoke to never even mentioned anything about me having to fill something out. All she asked is if I wanted to remain on the loan. I never received an email about this either. They claimed they sent it to my old .edu email, but I told them previously to change my email, and they never did. I haven't had access to my .edu email which was connected to my account. I sent Navient two letters, made many phone calls and they still blamed me entirely that I am responsible for my student loans. They apologized for the agent not notifying me, but that doesn't help, if the agent told me that day I needed to submit a new form, I would have, instead of having 7 student loans late per credit bureau. I worked with a credit repair company and they didn't help at all, so I just lost a bunch of money for an entire year trying to fix this. I then stumbled upon several articles on nerdwallet and forbes that discuss navient being sued for several reasons and one of the reasons they are being sued are for the same thing i experienced. They do not tell their borrowers that they need to resubmit a form for the income re-driven payment plan. They are a terrible company and feed off postgraduates making mistakes. Navient has since destroyed my credit history. I will have 21 late payments just from them for the next 7 years impacting me. It will be hard to open any credit accounts or any loans if need be for the next 7 years, and they don't seem to care, nor do they acknowledge that they are partly responsible for this. 

Do not trust Navient as your student loan borrower. They will do anything to ruin your credit history, they will do anything to try and steal money from you, and they will most definitely not help you with changing anything on your loan. 
XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX
Product: Consumer Loan

In XXXX XXXX, I visited XXXX to speak about a home mortgage. While in our meeting we pulled my credit reports. In review of all XXXX credit reports it was brought to my attention that Wells Fargo Dealer Services was reporting to XXXX that my auto loan was charged off at over {$7000.00} and I had not made a payment since XXXX! This information was COMPLETELY FALSE and was verified by the correct information in my XXXX and XXXX credit reports. I was advised by the consultant at XXXX to contact Wells Fargo Dealer Services and have them correct this immediately, and so I did. When I contacted Wells Fargo Dealer Services, I was given a fax number to contact the dispute department, which was only reachable in writing and by fax, I was told I could not speak to anyone in that department they did n't have a phone number. I told Wells Fargo that I was not disputing anything, I just wanted the TRUE and CORRECT information to be reported to XXXX, again I was told the ONLY way to do that was to fax the dispute department. So I did, and the correct information is now being reported HOWEVER, here we are, OVER a year later and I return to XXXX after I have fixed and cleaned up all my debt, and I am told that NOW Wells Fargo Dealer Services is reporting to XXXX and I quote ( direct from my credit report ) " Dispute Resolved ; Customer Disagrees '' AND NOW ALSO reporting to XXXX AND XXXX, again I quote ( direct from my credit report ) " Consumer Disputes after Resolution ''!!!!! ARE YOU KIDDING ME!!!!! I did NOT dispute nor did I not agree with the CORRECT AND TRUE information being reported to ALL of the Credit Agencies. I have absolutely no control over how my loans are being reported to any and all credit bureaus. It is not by my fault that Wells Fargo Dealer Services was reporting FALSE information!!! IT WAS NEVER A DISPUTE and I NEVER DISAGREED WITH THE CORRECT INFORMATION NOW BEING REPORTED!!! I want the dispute removed from ALL my Credit Reports immediately as this is hindering my ability to purchase a home!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my Equifax credit report. I have made multiple calls to Equifax requesting removal of the account and they have still neglected to do so. Equifax is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

Diversified Consultants continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them hat my son was only XXXX the man replied " there 's no way that 's possible. Ill find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.
Product: Credit reporting or other personal consumer reports

According to 15 USC 16c-2, I found errors on my credit report that are harming my credit rating.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023 I took out a loan with Pace Funding formerly XXXX XXXX for {$6700.00} to pay a contractor to install artificial turf in my backyard located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I withdrew {$6700.00} from my XXXX XXXX  account as a cashier 's check made out to pace funding to pay off the loan in full. Just recently they illegally withdrew over {$2300.00} from my XXXX XXXX  escrow account. I have contacted them several times along with sending them a copy of my bank statement showing the {$6700.00} withdrawal. They continue to refuse to accept this information. Due to their illegal actions, I had to make a payment over {$3200.00} to my Mortgage escrow account so my monthly mortgage payment wouldn't increase to over {$3200.00} from the current {$2800.00}. This is an extremely serious illegal action because I am a XXXX XXXX XXXX XXXX who is receiving 100 percent XXXX XXXX XXXX
Product: Mortgage

Bank of America and their cohorts, specifically XXXX XXXX XXXX XXXX ( XXXX ), have failed to comply with applicable laws as stated within the XXXX XXXX, XXXX Trustee 's Deed referencing the subject property allowing for the lawful sale or transfer through Trustee 's Sale at public auction to the highest bidder on XXXX XXXX, XXXX. Any such public representations to full compliance with applicable laws are not negligent, but fraudulent as the Trustee, servicer, and bank have indicated full knowledge of relevant laws and are required to be knowledgeable of all proceedures and rules related to the loss mitigation and workout processes including, but not limited to, the modification and foreclosure processes. 

Due to the fact the Substitution of Trustee was recorded on XXXX XXXX, XXXX, the same date the Notice of Default ( NOD ) was also recorded, there is no possibility whatsoever the required pre NOD outreach could have been completed allowing for the NOD to be recorded signaling the public start of the foreclosure and property separation process. 

Due to the fact there were multiple pending escalated cases opened prior to the sale date that were unresolved on the date of sale and no suspension of sale had been caused by the bank, the servicer, or the trustee thereby allowing for the sale to be postponed and not completed under a cloud of lack of authority and legality. It should be noted a party may suspend the sale without agreement, consent, or prior approval of the other interested parties if they so choose. If should be noted if no improper sale occurs, no injury or harm may be had or caused to me or any bidders on the subject property. 

All previously mentioned resolutions are desired and mandatory and must include Rescissions recorded for all documents recorded on XXXX XXXX, XXXX and thereafter related to the subject property.
Product: Credit card

I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Product: Prepaid card

XXXX charged me an unexpected and undisclosed fee of {$4.00} on the prepaid card I got from them less than 24 hours after purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.