23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2020, Chase Auto Department sent a repossession truck because I was unable to pay for my car. I tried to call Chase Auto but I was re-routed from one department to another because of COVID-19. Chase promised to help me with lowering my monthly payment. On XX/XX/2020, I signed the extension letter which this would automatically extend the sale date from XX/XX/2020 to XX/XX/2020. The Reinstate/Redemption letter required to use certified mail with a return receipt when sending the extension letter. I was nervous Chase would not receive my extension letter because XX/XX/2020 was XXXX XXXX because the post office was closed. I walked to Chase bank on XX/XX/2020 with Chase Auto Redemption department on the phone. The Chase bank manager spoke to the Chase Auto Redemption representative which they refused to send a copy of the extension letter since I already sent the extension letter. Finally, the redemption representative fax us a copy of the extension letter which I signed it and sent it back. The Chase bank manager personalized a letter stating I fax the extension letter. On XX/XX/2020, I walked to USPS to send a check in the amount of {$7000.00} to redeem my car. I had two choices either to reinstate my Lon or redeemed ( paying off the car loan ) which I chose to pay it off. Chase Auto received the check on XX/XX/2020 because I received the return receipt plus I was tracking it on the USPS website. On XXXX XXXX, I called Chase Auto to make sure they receive the check but the representative said that my account still show a balance and they lost the personal check. I went to XXXX to send Chase Auto a XXXX XXXX which I would have done in the beginning but Chase said it wasnt an option and it must be sent by mail. Chase auto received the money and the representative called the repossession company to release my car but the business was closed. The representative gave me the repossession companys phone number but also mentioned they towed my car from XXXX, Ca. Where I live to XXXX, Ca. ( 100 miles. I am baffled that Chase had the nerve to tow my car to riverside knowing I was going to redeem my car. The representative put in a request to tow back my car which I doubt it that would happen especially what they put me through. I have documented EVERYTHING!! I want my car to be released to me like it states on the reinstate/redemption letter. The letter shows the address of the repo company which would have release my car but that was false. They told me I had to mail the extension letter then went back on their word and let me fax it. They lied to me that they accept personal checks. I had to stop payment which cost me {$15.00} and {$20.00} for certified mail. I just want my car back. I am spending {$25.00} a day using XXXX. Im afraid XXXX XXXX company sold my car because XX/XX/2020 was the last day to receive payment. When Chase tried to call XXXX they were closed. Please help me get my car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Remove hard inquiry if not attached to an accounts : XXXX 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I received form 1099-C from Discover indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like Discover did not report it
Product: Credit reporting or other personal consumer reports

timely removal XXXX  days ( I escaped and currently at a XXXX  safe house program ), I have provided my id disputed the exact errors DOJ XXXX  case number Letter from Cal Attorney General Confidentiality Program Restraining order Letter from XXXX  Program where I live Letter from XXXX XXXX XXXX HR XXXX says removal in XXXX  days of report. I need for any negative payment history to be removed And now I am about be out of time in this program and they can't get me housing or rental car because their non compliance in removing these derogatory credit issues. 

I believe I have been harmed by them and that they should be fined or sanctioned
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.
Product: Credit reporting or other personal consumer reports

Please see attached complaint. Experian did not address the matter. This issue has not been resolved. I have not received up to {$1000.00} for Experians failure to comply with the FCRA. No correction has been made to my credit file nor has the name of the company Experian uses for XXXX XXXX.
Product: Vehicle loan or lease

I received many statements from the company claiming that I owe x amount to them. I asked for debt validation and they have not sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX  profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
Product: Credit reporting or other personal consumer reports

I am very disappointed and has finally asked FTC to investigate this case. I am writing to inform you that these inaccuracies in my report is very damaging not only to me and my mental health, but also to my credit file. I am very much scared of what the future holds because of the fear that this situation is giving me. Please reinvestigate my case and immediately remove these accounts off my report.
Product: Checking or savings account

Citibank ATM ate my {$1800.00} and gave an transaction error receipt and I reported it to the bank employee immediately its been 8 days now with no cash back in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two payments on my Nelnet student loan account. I made a {$1000.00} payment in XXXXXXXX XXXX XXXX and a second payment of {$1000.00} in XXXXXXXX XXXX XXXX All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and Nelnet. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the numerous time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I'm looking forward that the disputed items will be deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Greetings, We are in a Foreclosure of our home which we have owned for almost eleven years. 
Previously, We had an incident which put us in a Foreclosure status ( my dad was in XXXX different hospitals for almost eight months, until he passed away ). 
At that time, ( XXXX/XXXX/XXXX ), we " Reinstated '' our mortgage and paid XXXX ( {$23000.00} ). 
We are now dealing with my husband being unemployed after thirty four years at the same employer, and my real estate business had declined. 
I submitted all the requested documentation to apply for a HAMP, and my mortgage company, Wells Fargo, denied the request, stating we had already received a HAMP modification. 
My understanding is monies are not requested nor given to the Mortgagor/Servicer when a HAMP modification is received. 
Today, I received certified letters stating our home is in Foreclosure and a Sale is imminent. 
On XXXX XXXX, XXXX, I faxed a letter to Wells Fargo requesting the documentation showing we had received the HAMP modification. 
As of today, XXXX XXXX, XXXX ( over two months ) and I have not received any documentation pertaining to a previous modification. 
We do not want to lose our home, and would appreciate greatly acting on our behalf. 
Thank you kindly in advance, XXXX, Ca. XXXX XXXX cell Wells Fargo/American Servicing Company Loan # XXXX
Product: Debt collection

FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.
Product: Debt collection

XXXX XXXX has sent an unbelievable amount of mail. I don't want to get into the amounts as I'm not sure from what they have sent if they are legitimate. 

I have sent them a CFPB Debt Validation letter. That was on XX/XX/2022. It looks like part of what they are trying to collect is for my XXXX. My husband has the entire hospital report and is going through it. Someone who knows what department would contact him about the matter to answer any questions, but after about a month, he hasn't heard from anyone. When he calls, well it's being worked on. There are other issues too. My husband ( XXXX ), they'll know his name, also has a couple with this company. Both of them were final demands for {$25.00}. I guess for a Copay maybe? You know, that you pay before you see the Dr ? They mainly use XXXX XXXX numbers. However, I've done some research. 

They utilize several addresses and a mess off XXXX 's. They are ultimately owned by Genpact, who is a multinational, mainly XXXX XXXXXXXX XXXX They do have a specialty in XXXX  driven collections. Just throwing that out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 of the credit reporting companies continue to mess up my reports. Transunion and XXXX are by far the worst. Transunion removed 4 closed accounts in XX/XX/XXXX after XXXX rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Product: Mortgage

I attempted to do a loan modification with wells fargo in 2013 because I was laid off from work. I was mislead and misinformed. The loan modification did not go through and I lost the home that I worked so hard to aquire and keep. Also I lost on on a {$10000.00} insurance claim. Wells Fargo kept the entire check from XXXX XXXX after I repaired the home from a leak/ flood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are Experian, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/XXXX
Product: Credit card

I tried to contact Chase XXXX credit card company to redeem the rewards from my two credit cards. I tried twice and was routed to their rewards department and put on hold for XXXX and XXXX minutes. I tried a third time and was put in contact with the department. When I told their rep what I wanted she hung up and there was no effort on their part to contact me. 

A secondary problem is Chase has changed their customer service number ( XXXX ) so that it is impossible to get a person to speak to. It is designed to get payments with no personal contacts. I did get another number online, and was able to reach a person who hung up on me. I believe their motivation is they recently routed their personal contact numbers to a third world company and do not want anything but payment routed to them because they have not been instructed how to solve problems. 

Please help me get my rewards.
Product: Debt collection

I made a call and XX/XX/24 and I spoke with XXXX in at I.Q. Data International Inc. at XXXXXXXX XXXX XXXX extension XXXX. I requested documentation in regards to these charges and that I wanted to place this account in disputes. Unfortunately, after I asked for a breakdown of the charges, XXXX hung up on me. I called in 2 more times. The second time I called, the call was transferred to XXXX. The music played and stopped once he got on the line. No answer while I sat on the phone for about XXXX minutes. I told him I could hear them breathing on the line and they refused to answer so I kept the call on hold and called again. Once I tried to merge the calls I realized I was hung up on the second time. During the 3rd call, I requested XXXX 's last name and I was refused that information. I only received his extension after asking more than 3 times. I requested a supervisor to make a formal complaint I was given the wrong email address and hung up on. I left a message to the Supervisor XXXX XXXX at XXXX extension. I
Product: Debt collection

I have no idea who this creditor is. This debt is NOT MINE! 1ST CLASS AGENCY has paid XXXX to report a fraudulent account on my credit report. I have never done business with this agency nor the company the claim I've done business with. This fraudulent account is being reported as being opened on XX/XX/2018 yet the last activity state XX/XX/2018. How can the last activity be 6 days before the opening. This account is a XXXX debt that is fraudulent and is hindering me from obtaining a mortgage loan. This fraudulent debt needs to be REMOVED from my credit report IMMEDIATELY!!!!!
Product: Debt collection

There are XXXX main issues. 
1. The debt relates to a cable box that XXXX collected from me and replaced with a newer model, which they then lost. I called XXXX to report that they had collected the box, they said that they would attempt to find it, and then I received the collections letter without any further notice from XXXX. I do not owe this debt as I did not keep the box. 
2. When I try to call IC Systems, I repeatedly enter all information, am told to hold, and then the phone disconnects. There is just no way for me to get in touch. When I enter my information on their website, XXXX they tell me to call, and when I call, I inevitably get disconnected.
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from Carvana online in XX/XX/XXXX. 
Few months later, I found out my wheels were staggered and could fall off the car, according to XXXX. It is a health hazard and i have a XXXXyear old i carry in the back seat. 
Carvana never disclossed to me that the wheels and drive train were changed. This is my life we are talking about, and that of my family. I am a XXXX man and i know if i was XXXX, I would be given full disclosure. 
Carvana and XXXX  ( warranty company ) would not entertain my explanation and consider my claim, even though there's a record of me reporting this same issue when i first found out on XX/XX/XXXX. 
They claim i needed a Diagnosis from when i first reported the issue, even though I've sent them and uploaded a file from my Service Advisor at XXXX, and the PDF clearly states my claim. This is not a new problem. This is something that started even before i got the car. Why can't it be simply corrected back to manufacturer 's specification?
Product: Credit card or prepaid card

I have had two Fraudulent charges on my account with Wells Fargo in the last 6 months. One of them was made before I had even activated the replacement card from the first fraudulent charge. The credit card itself was not in my possession. One fraud charge is understandable, mistakes happen but two so close together especially with a glaring red flag like the card not being activated is inexcusable.