23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was sold to Chase on XX/XX/XXXX. We are set up to automatically electronically pay our payment each month. On XX/XX/XXXX, and on XX/XX/XXXX the payments were electronically transferred for the payments due on XX/XX/XXXX and XX/XX/XXXX, respectively. On XX/XX/XXXX I got a call from XXXX at Chase saying that we had not made a payment since XX/XX/XXXX. I informed that we, in fact, had and provided him the details of the e-payments and when they were made. He requested that I get details of the payments from our bank to help them find the missing payments. XXXX also stated that this process usually takes 3-5 business days. I called our bank, got this info, called Chase back and talked with a rep named XXXX, whom took the info and stated he entered it into the investigation file. Next communication from Chase was in the morning of XX/XX/XXXX, when I received another call from Chase about our mortgage being delinquent. I informed them that I had already spoke with the other reps, and was thinking this should be resolved by now. I gave them the info about the payments again. I followed up the next day, speaking with XXXX on the afternoon of XX/XX/XXXX. This conversation was productive in that we were able to verify that the mailing address was correct, and that the investigation was still open. On XX/XX/XXXX, was informed that they needed another piece of info, that the Chase rep termed a electronic type line transmission from our bank. I called our bank to request this, and no one there had any idea was this is. I went to the local Chase bank and spoke with a mortgage rep there ; she had no idea what this was either, so suggested I get any info from my bank I could. So I got the trace numbers for these transactions ( this was all the other info that there is for these transactions ) and had the local Chase branch fax this info to the investigation department. I call Chase back later that day, and the person I talked with was unable to verify if the fax had been received. On XX/XX/XXXX, we received in the mail paperwork to fill out to see if we qualify for assistance, and if not would face foreclosure! Today, XX/XX/XXXX, I called again and spoke with XXXX, whom confined all the info was in the file, and would escalate the file to get priority service. This has drawn out too long, and now we are being threatened with foreclosure when, in reality, we have not been even a day late on our payments.
Product: Debt collection

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

Transunion has the incorrect address for me on my credit report. I will upload utility bill showing my correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX pickup truck listed for sale on XXXX on central Michigan website. Asking price of {$20000.00} I answered the ad and was in contact with the seller XXXX XXXX from XXXX XXXX, NE. She said she was selling the truck because her husband had died in a bike accident and keeping it really hurt her. She stated she wanted to use XXXX XXXX   XXXX for the safety of both of us. I provided my name, address, phone number and she said XXXX would contact me with the information for completing the transaction. They notified me of the bank to send the wire transfer to and once received I would get the delivery information. The bank they first told me to send the funds to was XXXX XXXX XXXX  to the account of XXXX XXXX those funds were returned to my account minus {$45.00} with the notation " unable to apply credit ''. So I contacted the number they provided for XXXX and they reissued instructions to the XXXX XXXX to the account of XXXX XXXX That transfer was accepted and I received shipping information that the truck would be shipped with arrival on Saturday XX/XX/XXXX. I would then be allowed five days to inspect the vehicle and if accepted XXXX would release the funds to the seller.The vehicle did not arrive as promised and I have been unable to contact anyone involved in the sale. Internet fraud victim.
Product: Credit reporting or other personal consumer reports

According to XXXX  XXXX, it's imperative to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Some of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forebearance from XXXX. XXXX reported to XXXX and XXXX. Experian still has the months showing as missed payments which is affecting my credit score. I have disputed this with the credit company and got no results.
Product: Student loan

I want to make CFPB aware of another issue with Navient that has troubled me - they make it extremely difficult to find out how your payment is allocated - interest and principle - declining balance. Every other lender I know shows your prior statement balance, your payments made, how much went to interest and to principle, and then ending balance. In this way you can see if, for example, your minimum payment of {$750.00} on your student loan payment, only pays down your principle by {$79.00} dollars with the rest going to interest. My loans are consolidated with them, and I have previously raised this issue with customer service, and they had no answer other than the website was being redesigned ( this was over a year ago ). I have figured out how to do this manually, but the average student loan payer will not go to the trouble. You have to go to their " archived '' old site, then to your emails ( all my communication is electronic ), then gather your monthly statements, then write down your prior balance, payments, interest and principle, and manually review the declining balance. This is how I figured out that on many months only a tiny % of my large payment was going to principle. This to me is a very deceitful way to do business - by making it so difficult to understand the declining balance, and thus how much you are actually paying off without manually tracking it, they are encouraging everyone to remain in huge debt as long as possible. They should be made to put this on the main page of the borrowers ' loan balances - they already have the payment amounts, it would take very little programming to add this. It seems as if Navient is purposely omitting this information to keep borrowers on the hook for as long as possible since if people knew they only had a small amount going to principle they would be motivated to pay their loans off sooner.
Product: Checking or savings account

Switched account types on XX/XX/2024. Representative talked me into a new account type. Had no idea there would now be a {$15.00} fee per month on the account when my other account did not have fees. Would like the remaining fee reversed. Bank itself will not do it. This was a bait & switch - deceptive practices.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. I'd like you to remove the account from my report under your bureau. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Columbia Debt Collection agency also named as Genesis originally emailed asking me to pay {$8000.00} in owed rental fees with interest at 6 % per annum. However, these debts had all been paid with the apartment in XXXX which is indicated by the email exchange with the Sr. Property Manager. I shared this via email and over a phone call. 

I have had multiple calls with them, as of XX/XX/XXXX they are now saying the {$8000.00} they were asking for was a mistake and that the real amount owed as of XXXX is ~ {$2000.00}. 

I have never been able to receive any documentation from them as of XX/XX/XXXX. They have been effecting for months what was once a XXXX credit score. 

Columbia Debt Recovery LLC, dba Genesis T Other numbers know by : XXXX ( XXXX ) XXXX from XXXX to XXXX PST, Monday to Friday Account : XXXX XXXX XX/XX/XXXX
Product: Debt collection

Absolute claims on credit report they are original debt holder which is false.Debt passed statue of limitations
Product: Mortgage

Earlier this year following the loss of one of our primary income sources my husband and I applied for a loan modification. At the time of the modification request our loan was current and throughout the course of the loan which was originated in XXXX we have never been late. We were approved to enter into a trial plan under the HAMP FHA Program. As per the terms of the trial the payment was reduced to {$1500.00} with the first payment being due on XXXX and the last on XXXX. We were verbally advised by our Dedicated Loan Specialist at the time, XXXX XXXX, that the payments for XXXX and XXXX would be put to the end of the loan and upon satisfactory completion of the trial period we would be approved for a permanent modification effective XXXX XXXX. 
As per the agreement we began the trial period in XXXX however upon the review of my husband 's credit report we realized that we had been reported as 30 days behind for the month of XXXX. As previously stated at the time of the modification request our loan was current. Per Nationstar Mortgage Company because the modified trial payment was less than the contractual amount they were required to report the loan as delinquent during the trial period. This however is contrary to the servicer guidelines for XXXX and XXXX XXXX. Per those guidelines borrowers who are current on their mortgage upon entering the trial modification period should not be reported as late. 
In addition none of the conversations that we had with Nationstar or the correspondence that we received from them regarding the trial period advised that upon accepting the terms of the modification our current loan would then be reported as delinquent for the next several months during the trial period. Surely had we been advised of the repercussions of proactively seeking help during a period of financial hardship we would have declined the modification as our credit worthiness is much more important than a {$70.00} decrease in payment. 
We have contacted Nationstar regarding the matter and they have been less than efficient and expedient in providing a resolution regarding this matter. Nationstar advised that they would send out a letter to the credit bureaus rescinding the negative reporting and in addition a hold would be placed on the loan preventing any negative reporting during the trial period. After the satisfactory completion of the trial period they would retro report the loan as current. 
As to date Nationstar has only provided a letter addressing removing the negative reporting for the month of XXXX. We are still waiting for the matter to be handled fully to include any negative reporting for XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and XXXX XXXX refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with Experian multiple times
Product: Debt collection

This debt collection company has called me 7 times today and left me 4 voicemails. I dont even know what this debt is for. They call at all hours of the day.
Product: Vehicle loan or lease

Facts : - At the end of the lease for my XXXX XXXX XXXX in XX/XX/XXXX, I visited my closest dealership to review the most current models. A sales manager at that Hyundai dealer convinced me to purchase a new XXXX XXXX XXXX without using Hyundai Capital financing but assured me that I would still receive certain benefits as though I had. Most important was offsetting the " turn-in '' & other excess damage fees. 

- When I received the new car, a very eager junior salesperson failed to collect the XXXX key fob ; and subsequently requested that I return the next week to deliver it. 

- When I did return the key, the dealership originally claimed it was too late because the vehicle had already been " grounded. '' - I subsequently received a lease close-out invoice in the amount of {$970.00}, which included the cost of the key fob plus a turn-in fee & charges for excess mileage. 

- I vociferously disputed the invoice with the dealership & Hyundai Capital, and after more than 2 months of my regularly calling and requesting follow-up, Hyundai agreed to correct the invoice and remove the charge for the key fob. 

- I immediately asked for a copy of the corrected invoice and was initially refused. I plainly asked, " How do you expect me to pay a bill I have not seen? '' and the agent terminated the call. This was on or about XX/XX/XXXX. 

- When I called again on or about XX/XX/XXXX, an agent promised that I would receive a corrected invoice at my mailing address within XXXX business days. This did not happen. 

- I then called again on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( which was fraudulently logged on XX/XX/XXXX ), XX/XX/XXXX ( an actual call ), and XX/XX/XXXX. 

- Each time I was informed by an XXXX employee that I would receive a corrected invoice via email or regular mail. No corrected invoice has ever been delivered. 

- Each time after XX/XX/XXXX, I was told that a " Supervisor '' would call me within XXXX business hours. It has been more than XXXX business days, and I have never received any return call from a Supervisor. On the contrary, I have learned that fraudulent calls that never occurred have been noted on my account. 

- I have never received via email or XXXX postal service a written explanation of the correct final payment due on this lease. 

- Ignoring this critical and legally required information, Hyundai Capital has delivered knowingly false information regarding my payment status to several national credit rating agencies. 

- After stating the above facts in an email I finally received a call from a Supervisor on XX/XX/XXXX, who finally ordered a correct invoice, which Hyundai Capital back-dated to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I wired the money to an account to the XXXX XXXX XXXX XXXX, on XX/XX/2022 with the help of Chase banker at Chase Bank in XXXX XXXX, Illinois. 
The Chase Wire Tracking Number is XXXX and the funds ( $ XXXX ) were said to be available on XX/XX/2022. 
Later that night, I realized that Id been scammed so the next morning, on XX/XX/2022, I immediately went to my local Chase branch to see what could be done about canceling the wire transfer. 
I asked the banker if the transfer could be stopped, and I was told that Chase will investigate and should be able to get my money back since the transfer wouldnt be available until XX/XX/2022 anyway. 
Today is XX/XX/2022 and I still havent heard anything from the investigation of this fraud. 
Please let me know if I need to provide more information into this. Thank you.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account Wells Fargo Card SER ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late
Product: Credit reporting or other personal consumer reports

i am writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. i discovered this issue on XX/XX/year>2025 when i was checking my credit reports through notification from a creditor. Name of the financial institution or company showing on my credit report is XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX. I Did not authorize the opening of these accounts, and i am concerned about the impact on my credit and personal finances. I am requesting assistance in investigating this matter and preventing further fraudulent use of my information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I've only been in the XXXX for XXXX months. Currently, I'm focused on building my credit, and my only application so far has been with XXXXXXXX XXXX, where I successfully obtained a card. While I await my XXXX XXXX through the adjustment of status process, I've been bombarded with numerous hard inquiry alerts, which has left me feeling XXXX. Being new to the American system and without an American ID yet, I lack the knowledge to effectively manage and protect my credit profile. A neighbor suggested I seek help through this portal by filing a complaint, as I suspect identity theft might be at play. As I navigate this new environment, I'm realizing the vast differences between XXXX and XXXX, and I'm in desperate need of guidance. Could someone please assist me? I'm uncertain about how this site operates, but I'm requesting an investigation into these potentially erroneous accounts and urging for their deletion if they are indeed fraudulent.