23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally purchased a car from CarHop in XXXX XXXX. The initial vehicle was a XXXX XXXX XXXX. During this purchase I was informed that I had a warranty. Within less than XXXX weeks of having the vehicle, it was trouble in paradise. I contacted CarHop to inform them that something was wrong with the vehicle. They advised me to bring the vehicle into XXXX of their recommended shops ( XXXX XXXX ). To summarize it up, the transmission needed repairs which should've been covered under warranty, however the branch manager refused to cover the repairs. However as an alternative, they let me out of the contract for that vehicle and allowed me to purchase another vehicle. In XXXX I entered into a contract for a XXXX XXXX XXXX. Once again, within weeks and less than a month of having the second vehicle, I experience issues. This time the power steering pump, thermostat and other repairs are needed and once again nothing is covered under warranty. 

On XX/XX/XXXX, I called CarHop ( XXXX, MN location ) and spoke with the Branch Manager. At the conclusion of that conversation, it was my understanding that they would let me out of my contract without penalty and that it would not negatively affect my credit. Also on XX/XX/XXXX, I visited the XXXX XXXX to sign any forms that would release me of liability and to get any belongings out of the vehicle. They had the vehicle in their possession at that time. When I arrived, my grandma ( XXXX XXXX and I asked several questions in regards to how this would show up on my credit report. I was told that it would show up as a settlement on my credit report. I was advised multiple times that it would not show up as a voluntary repo. I was also informed that it would not show up as me owing a balance or have a negative impact on my credit. They informed me that I didn't have any forms or anything to sign, yet the day after my visit, on XX/XX/XXXX they drafted a proposed notice of satisfaction of obligation that was post-dated XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification on my phone from XXXX that there was a change to my credit report. When I looked at my credit report, I saw that CarHop had closed the account. They have reported a balance being owed. However the biggest issue is that they indicated that it was voluntary surrender aka voluntary repo. This whole situation has been a nightmare from the very beginning and now they've ruined my credit after they indicated that they wouldn't. Upon this notification, I contacted my grandma and was informed of the proposed notice. The notice itself is also inaccurate because it states that I defaulted on my loan, which is false. I never missed any payments since the original purchase. I was actually making payments before the due date. I did sign the notice with verbiage and included a copy of my payment history. I signed, dated, emailed and mailed the form today. I do have a recording of the branch manager agreeing to all that i've stated in this email. I've attached a copy of what's been sent back to CarHop. I am distraught over this and it will take me years to fix my credit and I'm only XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The cred

it reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedur
e
Product: Student loan

I attended a public university and used a private student loan to pay part of my tuition. University Accounting Service, LLC ( " UAS '' ) serviced this loan. A few months ago, I consolidated this loan through XXXX to take advantage of a lower rate. When I consolidated, I overpaid UAS by {$340.00}. I emailed UAS requesting a refund and they replied that they would refund the excess amount in 60 days. After 60 days passed I followed up by email and they responded by asking me to call. When I called, they said that they do not issue refunds and that they will keep my money. I believe they are holding money that is rightfully mine. My statement reflects a negative balance. They acknowledged previously that I am entitled to a refund and I can not understand why they are refusing to give me back money that is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this today insisting to delete the following unauthorized information on my file. With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. These inquiries and collections are fraudulent. I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) -THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA CXXXX : CFPB 1700 G st NW, Washington , DC 20552 FTC XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Attn General XXXX Floor, XXXX XXXX, XXXX, pa XXXX
Product: Mortgage

I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but Equifax refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XX/XX/XXXX showing XX/XX/XXXX being paid on time. XXXX has not issued my statement showing XX/XX/XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

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

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud. 

I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future. 

I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Product: Mortgage

About XX/XX/2008, our tenants at our property at XXXX XXXX XXXX, XXXX, FL. XXXX continued to be late on their rent, as usual. As a result, we could no longer cover the mortgage payment to Wells Fargo. We called and requested to do a short sale on the property. I followed all instructions and supplied them with mountains of paperwork that they requested. In XXXX 2008 they delievered the Notice of Default to the tenants and told them they had XXXX days to move out, which they did without paying another rent payment. I coomunicated with Wells Fargo in attempting to sell the home and avoid foreclosure. I called and spoke with XXXX at Wells Fargo ( in the loss mitigation department ) on XXXX XXXX, 2008 reaffirming that we wanted to avoid a foreclosure, either by short sale or deed in lieu of foreclosure. She assured me they wanted me to complete the short sale and they did not want to foreclose. But I reminded her they had a court date of XXXX XXXX and I did n't want anything bad to happen on that date. She assured me it was not a sale date and they would postpone or cancel it because I was trying to do a short sale. She even sent me a letter on Wells Fargo letterhead detailing all of this information, that they wanted me to do a short sale and then she signed her name. Well, about two weeks later they foreclosed. What a bunch of liars. How are you supposed to work with a company that pulls this kind of stunt? We had a sizable down payment when we purchased this home just XXXX years earlier. And all of the money that we spent to update the home, all gone because they are liars. My first missed payment was XXXX XXXX they served my tenants with the Notice of Default in XXXX 2008 and then they foreclosed in XXXX of 2008. A total of XXXX months from start to finish. I wonder how much quicker they would have foreclosed on someone that was n't trying to work with them?
Product: Mortgage

I received endless telephone calls at home and at work from Ocwen saying my mortgage payment is past due. I also received XXXX Initial Due Diligence Letters from the company saying they might initiate possible foreclosure proceeding. I arranged automatic biweekly mortgage payments with Ocwen since the inception of the loan. I never missed a loan payment. I try to understand from them why my mortgage loan payments is past due but they did not provide any explanation.
Product: Debt collection

On XX/XX/2019 I was notified from my employer of someone trying to reach me from northstar locations. This happened last year as well and I submitted a complaint last XXXX to not contact my employer as I can not take any personal or any calls period as that is not apart of my job to take calls.
Product: Credit card

On XX/XX/2023 I was charged {$770.00} by XXXX XXXX XXXX XXXX in XXXX XXXX. When I later arrived home a few days after, I reviewed the contract with the company where I had purchased their Total Protection Package and realized I had been overcharged {$400.00} as a towing and rescue fee when it was supposed to be included in the package purchased. I have contacted XXXX XXXX XXXX XXXX to refund me the {$400.00} that had been overcharged, they keep stating the policy is invalid due to negligence, but nowhere in their policy does it state that a policy becomes invalid due to negligence or under the exceptions that towing and rescue would need to be paid for if negligence was the issue. I contact Chase Bank in regards to the situation and they denied my dispute because the company sent a signed invoice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX SS # XXXX DL # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX : XXXX XXXX, 2024 Finance/Personal XXXX Inquiry : XXXX XXXX, 2024 Automotive XXXX  XXXX XXXX : XXXX XXXX, 2024 Miscellaneous I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 

XXXX XXXX XXXX
Product: Debt collection

I have an active account with XXXX for my XXXX phones. I faithfully pay my bill, I'm never late and always on time. This debt on my credit says I owe XXXX on a charged off account. I have no charged off accounts with XXXX so I'm confused. I am not in debt to XXXX
Product: Debt collection

i HAVE CALLED amex OVER 30+ TIMES, TO DISCUSS NON PAYMENT ON MY ACCOUNT OVER THE LAST FEW MONTHS. i WAS FIGHTING FOR MY LIFE IN XXXX, I HAVE ALL DOCUMENTATION TO SUPPORT THIS. EVERY TIME I CALL I CANT GET ANY HELP. I CALL AMEX DIRECTLY AS WELL AS THE CORPORATE OFFICE AT XXXX, i GET A RUDE XXXX ON THE PHONE NAME XXXX. REFUSES TO PROVIDE ANY HELP, LAUGHS AT ME. HOW AM I TO RESOLVE ANYTHING WITH YOUR COMPANY IF YOU WILL NOT TAKE MY CALLS BUT CALL ME HARASSING FOR PAYMENT. I TRY TO MAKE PAYMENT AND YOUR COMPANY WILL NOT ASSIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I sent via certified mail a letter and police report stating I had become a victim of identity theft. Pursuant to section 605B of the Fair Credit Reporting Act I requested these items be BLOCKED. My request was ignored and the following items remain on my credit report. I received an updated credit report stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

I sent a subsequent letter on via certified mail ( XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/XXXX stating the same and once again, my requests were ignored. 

Attached is a copy of the following : - Sent identity theft reports The following fradulent accounts STIL REMAIN on my credit reports furnished by Transunion, XXXX and XXXX. 

TransUnion 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 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 reporting or other personal consumer reports

Sharing of personal information to third parties. Credit bureaus XXXX, XXXX and XXXX are third parties, or " non-affiliates. '' Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you ; written, unwritten, verbal, and non-verbal, per 15 USC 6802. This is a violation of the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to Experian that I have " XXXX late payments ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, Equifax has these accounts on my credit report that are not. Please remove. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX
Product: Credit card or prepaid card

I applied for an XXXX XXXX Credit Card. I was asked to provide documentation to verify myself. I provided the documentation as per the letter. I called to confirm receipt of the documentation. I then received a letter that stated they could not confirm my identity. I called to asked about the denial and was given vague if formation on my credit application denail. I asked specifically why the documentation provided was not sufficient and was given another vague explanation that my documentation was no sufficient. I provided my drivers license ( front and back ) social security card and my XXXX  XXXX. I then spoke to a XXXX and she stated the address was not on my XXXX after several minutes of review. I located the information and explained where it was on my XXXX. I asked was I able to simply provide a clearer copy. They do not allow you to provide clear copies. This is a horrible business practice and seem to be unfair to the clients. My credit now has a credit inquiry that will lower my credit score for 2 years for an application that was declined for an illegality issue. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX  illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Product: Credit reporting or other personal consumer reports

The accout with XXXX that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been XXXX is a violation of accurate credit reporting per XXXX XXXX XXXX and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit card or prepaid card

Good morning, I had purchased tickets for a trip from XXXX on XX/XX/XXXX and received the confirmation email and e-tickets on the very same day. The flight was to depart on XX/XX/XXXX and come back XX/XX/XXXX, but the flight was cancelled by the airline and I was notified of this on XX/XX/XXXX. The next day, I called XXXX over twenty times, at which point the call would not go through. When I finally reached an agent, he simply hung up on me. On XX/XX/XXXX, I sent in a refund request through XXXX 's website. 

As they did not respond, I filed a dispute with Chase on XX/XX/XXXX, since that was the credit card I used to purchase these flights. They closed my dispute and re-billed the charges on XX/XX/XXXX. I requested to re-open the dispute and they requested that I provide documentation from XXXX and my statement through their Chase Secure Message system. 

Once I provided all the information, there was no response and upon calling them again, they said they did not receive this information despite the confirmation of receipt email sent to me. I have sent it again several times through their own Chase Secure Message system ( throughout the months of XXXX and XXXX ) and to an email provided to me by a supervisor upon escalating this issue again on XX/XX/XXXX but have not received a response. 

I am sorry for the long summary and any confusion. In short, I have tried to get these flights refunded through the airline and then through a dispute with Chase, but they have not been forthcoming. It is the US Dept of Transportation 's own policy so I had hoped this process would be smoother. 

Attached are all emails, cancellations, and billing screenshots as of XX/XX/XXXX. I was given Chase CLAIM # XXXX. 

Thank you very much.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX college was frauded. Ive not attended college here since 2011. Send validation
Product: Credit card or prepaid card

In mid XXXX, I referred a friend to get a XXXX XXXX card for the {$100.00} promotion. They were approved for the card, and I received an email about getting the {$100.00} promotion on my next Chase bill. When XXXX passed with no promotion added to my rewards balance or credit added to my account, I called in. At that time, I was told the reward would take up to 8 weeks to complete. That would put me in mid XXXX. On XX/XX/XXXX, I called back into Chase, and it was stated a ticket needed to be created for an escalation. Today XXXX XX/XX/XXXX ) I called back in and was told there is no update, and new case would need to be created. That case would take a week or more to complete.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  someone attempted to open a credit card in my name. I called XXXX and Experian to report.