23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called the Chase Marriott Bonvoy VISA phone number three times. The first time ( date, probably around the beginning of XX/XX/2024 ), the rep said that she saw I had fulfilled the minimum night stay to receive the XXXX point bonus. She said that I would receive an email within 48 hours confirming the transfer of points and then see the points deposited to my Bonvoy account within 10 days. On XX/XX/2024, after not receiving either an email or the credit, I called XXXX  back and spoke with a representative who said, No worries, she would take care of this right away and apologies for the delay. Nothing happened. I called back again on XX/XX/2024 and spoke with XXXX, who is a supervisor, and told me she would escalate the case, and that I would receive a response within 7-10 business days. I did in fact receive a electronic letter via Chase 's web portal, which simply said that I need to contact Marriott Bonvoy to deposit the points. In other words, it's not their problem. However, throughout the entire process outlined above, I called Marriott Bonvoy as well ( 2 times plus reached out via XXXX  ) and they said that because the bonus offer was made through XXXX, XXXX  is responsible for crediting my account. To quote the Marriott rep : " the card member benefits and promos are at the sole discretion of the financial institution that administers the credit card. ''
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan online received a call stating that I was approved for X amount of dollars gave them all my information regarding my bank account routing number loan number etc. have yet to receive funds have already had my identity stolen multiple times they say there with Quicken loan yet when I called them they answer the phone and when I start discussing where my money is they hang up on me the phone number is XXXX XXXX XXXX. Every time I call they hang up on me
Product: Mortgage

This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 
2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 
3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 
4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. 
In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 
2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 
3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.
Product: Credit card

Was harassed into closing my American Express Card. Several weeks before XXXX switched from American Express to XXXX, Amex sent me a letter stating that I had two weeks to contact them or my account would be closed. Upon contacting them they requested a XXXX form. I filled out and returned said form as they requested and they put a hold on my card. Two weeks later on XXXX XXXX they called again and said that the form I sent them was illegible and they needed me to fill out the info again and resend it. I asked what the point was in me doing that if it took two weeks to process with the change over to XXXX was less than that. I once again got hit with the if you do n't comply we 'll cancel the card. At this point I was infuriated, I said if that 's what we need to do so be it. They then cancelled my card thus forfeiting my Rewards and smooth transition over to XXXX. I feel without the harassment and badgering by their staff I would 've never cancelled the card but the constant threat of getting my card cancelled when I tried my best to initially comply was too much for me to endear.
Product: Money transfer, virtual currency, or money service

I'm missing a settlement payment from XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS COMPANY MICROBILT CORPORATIO Inquiry : XXXX. XXXX, XXXX  ADDED A HARD INQUIRY TO MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports, Transunion, XXXX, and XXXX there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called XXXX and they did take care of it by deleting it. When I called Transunion and XXXX, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX 's XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the manager and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called my student loan servicer ( Mohela ) on XX/XX/2024 to inquire about the change in my repayment terms from an email I received on XX/XX/2024. According to this update a few of my loans were put on a different repayment plan ( it is referred to as the Level plan ). I NEVER requested any change to the Level plan. When I called to ask what was going on I was told it was an accident or a glitch. I asked if it would be fixed and I was told it would be fixed when my new IDR/SAVE repayment application gets reviewed and a decision has been made. The Mohela representative told me if it is not fixed to call back on XX/XX/2024 to have my administrative forbearance extended and have the Level plan fixed. Again, I never requested my loans to be put on the Level plan because it greatly increased my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

HF HOLDINGS , INC. is reporting a collection account in the amount of {$6500.00} on my credit report. Not only have I not signed a contract to do business with this company, but they have failed to send me a validation of debt notice showing that I am legally required to pay them, which is a direct violation of the FDCPA. This means that they owe me {$1000.00}. I will be sending an invoice to collect payment, as well as a certified letter containing the above stated information.
Product: Vehicle loan or lease

Puchased vehicle from Car-Rite, Britefinancial XXXX sold a warranty that they will not honor as conveniently the item to repair isn't listed in the contract. Car-Rite is legally responsible to repair the vehicle. XXXX XXXX report they showed me and the actual XXXX XXXX report totally different when I signed lease for vehicle. The repair on the vehicle is a know problem with XXXX. XXXX XXXX basically got rid of cars they couldn't sell through this subprime dealership and sold warranties. In addition to not paying for repairs the vehicle has stalled more than once on the expressway. When call to cancel the warranty will only refund 40 % of the price paid due to miles on the vehicle. Because the dealership has been closed since XXXX of 2017, only 4 months after signing the lease on the vehicle it has been difficult to even get a different dealership to diagnose the problem, {$130.00}. I have had to pay out of pocket to diagnose my vehicle and will have to find other means of getting to work as the car isn't reliable. The cost estimate for repairs is {$600.00}. It is an outrage that companies can get away with sabotaging someone and their credit when they are paying for safeguards so extra expenses don't happen.
Product: Debt collection

My husband ( XXXX XXXX XXXX and my oldest daughter ( XXXX XXXX ) ( XXXX ) have been affected by this company 's inaccuracies ( XXXX XXXX XXXX ). We ( XXXX, XXXX and XXXX XXXX ) never signed a lease with XXXX  who inaccurately hired this ( National Credit Systems ) collections company to harass us about a unpaid balance from a lease we NEVER signed with XXXX  or NATIONAL CREDIT SYSTEMS. Plus my daughter was only an occupant under a signed lease under XXXX XXXX XXXX XXXX XXXX XXXX she NEVER signed anything as a tenant yet they fraudulently included her in their erroneous collection. She has now been denied housing and is on her rental history? XXXXXXXX XXXX XXXX  apparently bought the complex in XXXX of 2021 or at least that's what we were told ; as we not PROPERLY notified of their transaction. As you will see attached there are XXXX leases we signed in 2021 due to severe mold where we were forced to move to a different building/same complex in XX/XX/2021. Both were under XXXX XXXX XXXX XXXX not XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please attach documents, let me know if there are questions or other items needed to support our claim. We have been negatively affected by this company since 2021. We contacted the company ( collection agency ) several times to seek removal in 2021, called and disputed via credit bureaus, paid for a credit repair company XXXX XXXX XXXX XXXX ) &, hired a lawyers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) all to no avail. This needs to be removed from our credit Personal profiles and updated immediately. 
Thanks in advance, XXXX XXXX
Product: Vehicle loan or lease

I had my car repossessed by Wells Fargo illegally in 2008. 2 years ago I received notice of the CPI settlement, and by the terms I am entitled to around $ XXXX. They have refused to communicate with me for almost 2 years now. When I call I get passed around, placed on hold forever, or hung up on. I have been told they cant find my account yet I just received a {$24.00} check for overpayment of repo fees from 2008. If they can audit something from 13 years ago then they have my account info and are just refusing to pay what they were required to by the CPI settlement.
Product: Credit card or prepaid card

On XX/XX/2019 a charge was made to my CitiBank credit card ending in XXXX to a company named XXXX. I did not make this charge nor authorize the purchase. I was unaware of this purchase until I received a statement the following billing cycle and my card has a significant change in the balance. I disputed this charge on XXXX XXXX and was credited the amount of the purchase of {$2100.00} as the dispute department agreed with me that the purchase was clearly fraudulent. On my XXXX statement I received a chargeback stating that the paperwork they sent me was never returned. I have proof that the email was sent and CC 'd to myself on XX/XX/2019 when I received it. The documents they provided me from the seller confirmed my suspicions of fraud. The items in question were shipped to another name, email address and phone number other than mine. The package was sent to a second-floor apartment at my address but never received by anyone there as I inhabit both units. The seller admits that the information did not match the credit card and knew the email was not working but decided to ship it anyways. The package was allegedly signed for however there is no signature on file from the shipper and the name captured was not mine and I live alone so there is no possibility of another resident of my home signing. I contacted to check the status the week of XX/XX/2019 to check on the status of the dispute. I was once again assured I would not be responsible for the charges as they were indeed fraud. It was explained to me that they would certainly decide in my favor and would not be responsible for the obviously fraudulent charges. I was told tomato no payments until they made a decision as the only balance on the account was that of this chargeback and the interest incurred. I still have yet to hear back from CitiBank and at this point they are now threatening to send me to collections for the balance. Attached you will find the paperwork that Citibank sent me, and I returned as they instructed. I have taken the liberty to highlight the inconsistencies and errors in the billing paperwork and shipping documents.
Product: Credit card or prepaid card

ALL PLEASE READ!!!! I deeply feel that I am a victim of discrimination by XXXX XXXX   due to being an XXXX XXXX. My complaint against XXXX XXXX is because I established several lines of credit and at my highest credit score they were requesting that I close accounts or reduced credit limits with no valid reason, and therefore I refused and did not. I become a target from that point to almost four years ago to this current date. I have not missed or been late on any payments. Regardless, I am currently experiencing several of my accounts being closed or my credit limit being extremely reduced continuously that has taken a tremendous negative affect on my credit score!!

Again, I have been unfairly targeted over the last 3-4 years by XXXX XXXX and I am requesting help to stop this unfair and unlawful treatment that I feel is discrimination. I  would also like to understand who I can contact to file a lawsuit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires are not mine. Its identity theft. Someone used my personal information. I am very distressed that due to Identity theft, bureaus have included the below information ( accounts and inquires ) in my credit profile and have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish. I can not understand why this misleading info is still reported in my credit profile and why I have to suffer due to this fraud? Please help me and apply investigation as I can not handle that anymore! I want you to help me and delete these accounts and inquiries. 

Thank you for understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 myself and my Fiance were staying at XXXX XXXX XXXX for an extended period. My Experian credit report shows an amount due of XXXX which is impossible. The reason this is impossible, and you can check yourselves is that XXXX XXXX XXXX is a XXXX / XXXX. You can stay a day, a week, a month or longer, but as with any location such as this you pre-pay meaning if I plan on staying 6 days I pay fot 6 days before I stay. 

We stayed week to week and paid I believe every Thursday. How can I own money? Are they staying I refused to leave for and amount equal to 4 weeks? I recall the cost being {$220.00} per week. The location had electronic locks that could have been de-activated, are they claiming I refused to leave? This amount is pure fraud and has also been reaged since 2014 was the last time I stayed there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Accounts : XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXXXXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my XXXX report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX   XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo on my XXXX we took out in XXXX we ran into so issues and deferred a few months I was paying on after the deferment for around 6-9 months and when I went to refinance with another bank ( credit union ) I asked for a pay off amount and was surprised it had not changed the pay off amount was the same amount it was months prior over 6 to be exact I then asked and was told oh you have only been paying interest on this loan for the last 6-9 months nothing to the principal also my wife and I did not have great credit but the interest rate was 23.99 % I thought that was outlandish I refinanced the loan in late XXXX or early XXXXsoni did not have to deal with Wells Fargo anymore