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

In XX/XX/XXXX our Hyundai leased car was totaled in an accident. Our auto insurance XXXX promptly paid the agreed upon value of the car XX/XX/XXXX. Hyundai then worked out the remaining value on the lease with the gap insurer. There was a remaining amount possibly owe. Still to this day unknown to us the lease holders because Hyundai has failed to send us a statement showing what is owed. Between today and when the gap insurer settled with Hyundai we've paid {$500.00} which is the equivalent of two monthly payments. Hyundai for some inexplicable reason deemed and reported our account DELINQUENT. XX/XX/XXXX we contacted Hyundai to address the DELINQUENT status however their customer service department is so chaotic we are still no closer to resolving this situation. We were told this delinquency will remain on our credit report forever even though we owe Hyundai {$0.00} and Hyundai admitted multiple times they designated our account delinquent by mistake. We have never missed a lease payment. Hyundai is refusing us access to our account history including payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it, i never received any benefits from this company. 
i didn't sign any contracts or agreements, they don't have any documents to proof that this account belongs to me. I was victim of Identity Theft, somebody stole my personal information.
Product: Credit card or prepaid card

I get electronic statements. I have scheduled payments with my Kohl 's Credit card a week before the payments are due. I wait 24-48 hours and then check my Kohl 's app and the computer website to make sure it was pending. The payments NEVER show as scheduled or pending under those options. Once I forgot I had scheduled a payment twice because of this. In calling Kohls each time, I am given deflective answers and have even been accused of " you're not looking at the system correctly ''. 

They have not fixed their system, though I have made complaints with them previously. I've attached today 's picture of my account screen shot on the website which is dated and time stamped in the lower right hand corner. The payment is scheduled for today as they were able to see on their end, and they had it in for two payments to be taken from my bank account?!?!
Product: Mortgage

XXXX services my mortgage loan and escrows for both homeowner 's insurance and flood insurance. XXXX failed to pay the homeowner 's insurance and stated that they never received evidence that homeowner 's was paid and therefore they were going to force place insurance on me. My insurance broker called me up and informed me that the mortgage company had not paid. I paid directly the insurance premium. I called XXXX and specifically requested that they pay the homeowner 's policy. They insisted they were going to force place unless I showed them proof of insurance, even though they had the obligation to pay the insurance premium as they were escrowing for my insurance. After raising issue to a resolution specialist, I was assured that they had evidence of insurance ( even though I paid for the insurance premium effectively twice ). 

Now I just received another letter saying that there was a lapse in coverage from XXXX. XXXX was required to pay the premium ... if there was any lapse in coverage it is their responsibility. And now they are claiming that I need to pay them {$28.00}.
Product: Credit card or prepaid card

On XX/XX/2019 I took a taxi from XXXX XXXX to downtown XXXX ( about 14 miles ). The fare was {$61.00}. The driver was having problems with his credit card machine so he made me pay with XXXX. So I paid through XXXX and asked him for a receipt. I received a text message receipt from XXXX with the correct fare of {$61.00}, charged at XXXX eastern. That night, I noticed that my credit card had been charged {$660.00} ( so he had added extra '6 ', overcharging me by {$600.00}. When i called Chase Bank, they said the charge was pending and to call back once it posted if it was still incorrect. The next day, the charge posted for {$660.00} so i called to officially dispute the chargeXXXX Two days ago ( XX/XX/XXXX ) Chase called me and said that the driver provided " proof of service '' for the {$660.00}. I then sent Chase my XXXX receipt and they said they couldn't accept it as proof because, at the very bottom, my receipt said, " paid in cash ''. However, I did NOT pay in cash. I clearly paid with my credit card ( you can tell by the vendor name and timestamp of the receipt and charges to my account ). The driver produced a fake receipt claiming that I took a " round trip to and from XXXX New York ''. I have never been to XXXX NY and I can prove that I flew into JFK that night, which is where he picked me up. Chase would not listen to any of this and would only restate that the merchant " provided proof of service '' and that I could try to resubmit the dispute but the outcome would not change. They refuse to help and just blindly accepted this fraudulent receipt from the driver instead of listening to any facts or logic about the dispute. So Chase is helping this driver get away with ripping off passengers, but refuses to support their long time customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XX/XX/XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.
Product: Checking or savings account

on XXXX-19 Bank Of America took {$30.00} from me ( withdrawal ) fee because I took money out of my account I'm very upset with there policies and I would like my money back. I don't understand How can I be charged a fee for taking MY MONEY out.
Product: Credit reporting or other personal consumer reports

I submitted a CFPB complaint on XX/XX/year> to ChexSystems regarding an inaccurate account with XXXX XXXX XXXX XXXX. ChexSystems responded on XX/XX/year> stating that XXXX XXXX XXXX XXXX verified the information to be accurate and complete. Now I'm requesting ChexSystems method of investigation per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Equifax have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXXXXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX {$4300.00}
Product: Credit card or prepaid card

On XX/XX/2022 I placed an order for a XXXX XXXX with my Chase credit card for the amount of {$2900.00} on XXXX. I scheduled it for same day delivery with signature confirmation. Later that night on XX/XX/XXXX I got a message saying that XXXX was delivered, but there was no package and I never signed for it. When I contacted XXXX on the phone they agreed that they did not have my signature and I would be getting a refund. I never got that refund. In fact, later on they claimed that my signature was NOT required even though I have documents stating otherwise. 

I then disputed the charge with my Chase credit card. Chase claims that I have a valid complaint but since so much time has gone by ( 3 months ) there is nothing they can do about it. I have attached some documents that show a signature was required, them denying that a signature is required and not being able to provide mine, and also receipts for another XXXX XXXX I had to purchase the next day from XXXX because XXXX never delivered. Please help.
Product: Mortgage

My name is XXXX XXXX I have a loan with Citi Mortgage since 2009 I have never been late, my balance on my loan is XXXX we paid XXXX for the loan. I have requested several times for my pmi to be removed, paid for XXXX or XXXX appraisals the last appraisal came in at XXXX thru citi mortgage even with that im still well below XXXX % the last attempt resulted in Citi removing the pmi then telling me it was a mistake months later causing my escow to be XXXX short after adjusting my payment for months to reflect the pmi being removed I have the letter stating that it was removed and proof of payment reduction this really puts me in a bind upping my payment nearly XXXX dollars a month and I just dont understand and im not getting any help from citi thanks
Product: Debt collection

they call asking for someone else and keep calling leaving voicemails asking for a person that is not me. i blocked the caller and they leave long voicemails asking that i give them a call back to resolve a issue i dont have with them.
Product: Debt collection

Around XX/XX/2019, I went into XXXX XXXX XXXX XXXX and signed a paper to release myself off the lease due to separation from my husband and I. I signed a document and was told that I would be removed now they are charging me a debt collection for a broken lease.
Product: Payday loan, title loan, or personal loan

The lender is charging me a above there listed interest rate have already filed on complaint and there response is so sorry to bad, I have tried calling to speak with a supervisor and get hung up on I have requested arbitration and they have said its to late but I have already filed for arbitration on my own. California laws strictly limit lenders for tilte loans between the amount loaned $ XXXX {$10000.00} to charge only 3 % monthly interest and capped at 36 % annually. Loan company says that is not true and dont know were I get my information.
Product: Checking or savings account

XXXX XX/XX/XXXX I tried closing my account and I learned that there is a hold on my account for {$2200.00}. After multiple calls with Chase and visiting their branch, no one could tell me the reason for the hold, except that the hold was placed in XX/XX/XXXX, about 23 years ago. This is insane that Chase has a hold on an account for so long and has not bother to notify me or rectify the issue. So I raised a customer complaint and I was told by Customer complaints that they are not here to help me resolve the issue but to coordinate between departments, something that I have already done. When I ask my case to stay open because the complaint is not resolved, they say that the case will be closed as there is nothing that they can do further. After a month bouncing back and forth between departments at Chase bank, which I thought had a great reputation, I lost confidence in the institution. I believe Chase has experienced a system error, and no one has caught it or resolve it, and this is the reason that I am being bounced back and forth to different departments. This does not give customers confidence in Chase systems. Luckily for me the money is on hold, but it could be worse that the money totally disappeared from the account. Advice to others, if you have a chase account, monitor closely. If you dont, go elsewhere. Look at all the publicity that they are getting because of their latest XXXX XXXX XXXX employees are not proactive and doing their jobs. An example of that is when Customer complaints told me to reach out to the branch instead of them following up with the branch with next steps to try to resolve the problem.
Product: Money transfer, virtual currency, or money service

XXXX XXXX an employee of XXXX XXXX told me he was the inventory manager for the southeast and wanted to thank me for taking care of him. He picked out of his over inventory XXXX worth of XXXX XXXX merchandise and told me it would be {$800.00}. I thought it odd however he said he was the big boss and could do this. On XX/XX/XXXX, I withdrew {$800.00} from my bank XXXX XXXX XXXX XXXX by debit card and went to XXXX and got a money order. He gave me his Wells Fargo bank account information and I deposited the money. Then, he informs me the money wont clear until Tuesday. So he got {$750.00} from me in cash that I again withdrew by debit card. He took it and went to XXXX to deliver my items. After two days and so many deliveries from XXXX XXXX XXXX he promised me it would happen. On Tuesday, XX/XX/19 he said they attempted to deliver but no one answered the door. I checked my security system and no one ever tried to deliver. I let him know this he said XXXX XXXX investigated by following the GPS on the delivery truck and the driver was parked at XXXX. He said but now the driver is trying to charge me for delivery. {$2000.00}. I said I didnt have it. He said he would use the initial {$800.00} towards my delivery and just needed {$1000.00} more. But that he would return {$1800.00} to me in XXXX XXXX gift cards and go to the store with me to change them into cash. I didnt know they dont do this. So on Friday XX/XX/19 I again withdrew {$1000.00} from An atm at XXXX and went inside and got a money order. I then went to Wells Fargo and deposited the money into his Wells Fargo account. He said if the money clears delivery will be Friday. The money didnt clear til Saturday. I was talking to him on the phone as he was driving to the XXXX  XXXX XXXX store. He said I am getting pulled over. Cops are coming. I literally never heard from him again until XXXX that afternoon when I received text messages from his number. The mystery person told me he was in jail. I repeatedly asked for my {$2500.00} back. They told me no. I said Im going to the police. They said try to make a case. Anyways I have been lied to. There were no goods delivered ever. I want my XXXX money back. Please help!!! I have proof of the deposits and withdrawals from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed some incorrect details on my credit report that violate 15 USC 16c-2. These inaccuracies are harming my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

A couple of months ago. I contacted Mountain states collections company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted XXXX 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
Product: Money transfer, virtual currency, or money service

I sent money to a company in XXXX using wise.com for a purchase of goods, first they sent me a fake tracking number then they gave me a lot of excuses and then they asked me for a copy of my passport and license. I was afraid it was also identity theft so I refused, I asked them for a refund and they have been giving me excuses not to do it. I called them out on social media and they wrote me back saying because I called them Thieves And insulted them they didnt have to go through that and they could refuse my refund. They blocked me from any type of communication and said I could do whatever I wanted they wont give me my money back. 

I tried to get help from Wise.com but they also refused saying they didnt see any type of scam and that since I didnt give them my personal documents I was at fault. I dont see that as a reason why they are allowed to keep the money. 

I sent 3 transactions : One on XX/XX/2021 for {$2000.00} Another one on XX/XX/2021 for {$1900.00} And the last one on XX/XX/2021 for {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to provide me with actual documented proof that the accounts listed on my credit report are in deed mines. I first requested this via certified letter that was received by them on XX/XX/2018 and again on XX/XX/2018. It's been well past 30 days and I've just checked my report again tonight and there's been no changes. I received an update from them dated XX/XX/2018 stating still several inaccuracies and still no type of proof that the accounts belong to me.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Student loan

I have had serious issues with my student loans ever since I graduated with an XXXX from XXXX College in XXXX, NY in XXXX. In XXXX, the XXXX  student loan and XXXX. loans ( from XXXX Univ. ) were consolidated with XXXX XXXX for a total amount of {$45000.00} and I was put on a loan with interest-only payments for 60 months and then payments would be applied to principal. As soon, I made 50 payments, the loan was transferred to another servicer and the public loan was reconsolidated by another lender/servicer, which I started again to make interest only payments on a new loan. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments towards the public student loan with several student lenders ( Depart. of Education, XXXX  XXXX, XXXX, XXXX, etc. ) and no monies were applied to principal. I had no choice but to switch to a private loan since nothing could be done by XXXX XXXX or the federal government. 

In XX/XX/XXXX, XXXX XXXX, as the private lender, paid off the public student loans and I began a new variable rate loan at prime rate with an amount totaling {$43000.00}. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments to the private loan monthly at {$360.00} a month. However, this student loan started in XX/XX/XXXX and should have been close to being paid off at this point in XX/XX/XXXX. 

I need some assistance with reducing the principal balance or finding a way to get monetary relief. I appreciate any assistance or options that you may provide. I am available if you need to contact me at cell # ( XXXX ) XXXX.
Product: Credit card

Account was opened XX/XX/scrub>/23 and credit limit was {$1000.00}. The name of account is SYNCB/CARECR. I spent {$800.00} in XXXX XXXX XX/XX/scrub>/23 using this card. I tried to pay for the card every month but I lost my job and I could not pay for the credit card anymore. Every month I started receiving letters from the company with a very high interest rate. I tried to contact the company many times but they did not want to talk to me. I asked many times to send a physical card to my address but they did not send it. I have not used this card for a long time because I dont have this physical card or online account. I cant to enter my account because they dont want to send me password or just help me with my problem and my debt became {$1300.00}. And Im shocked.
Product: Mortgage

XX/XX/XXXXDear Wells Fargo Representatives : Today XXXX XXXX ( working on behalf of me for my loan modification ) informed me that unfortunately Wells Fargo has decided to not help me modify my mortgage so that my family can remain living here. 

I am extremely disappointed and surprised. I have been unemployed since XX/XX/XXXX. XX/XX/XXXX I informed Wells Fargo that I was having difficulty paying my mortgage with Wells Fargo and that I needed a little help. This was the first time I requested assistance. I then asked for a simple deferment or work out program so that I could get back on my feet and find a real job and not only pay my mortgage but also provide for my family. After approximately XXXX weeks and providing all the requested information and documents, I was told that I did not make enough money and your Supervisor suggested that I get a job at XXXX XXXX or somewhere like that and then reapply XXXX months thereafter. I was also told that Wells Fargo does not do deferments. I have relied on my wife 's income, our savings, and borrowed money from family and friends to keep this going. 

The beginning of this year we exhausted most of our savings and again contacted Wells Fargo for assistance. The process began XX/XX/XXXX to find a work out program that could help us stay in our home. 

Almost XXXX months later Wells Fargo decides that we do not make enough money etc. and that our home would land in foreclosure anyway. I really have to wonder why you would tell me this now and not help us. Your representatives knew both times around what we make and we provided you with everything you have asked for immediately. 

Seven years ago I combined my interest only loan with Wells Fargo with my HELOC into a fixed mortgage in order to fulfill my obligations with Wells Fargo and also own my home quicker. This I thought was possible until I lost my job in the industry I have been in for so many years that is pretty much non existent and destroyed. 

My credit has suffered, my marriage has suffered, and ultimately my health has deteriorated. 

Why will you not help good people like us stay in their home? I do not understand this or your approach at all. We have paid you and intend on doing everything possible to keep paying. All we ask for is for some assistance now. The stress that this has caused us is absolutely unnecessary. 


Please help us. We are good people that are experiencing some difficult times right now. We fully intend to get out of this bad situation with your help and land on our feet again. 

My interest rate with you is 10.365 %. Maybe if you reduced the interest rate slightly we could all be happy.