23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both LoanDepot and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to Equifax shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )
Product: Checking or savings account

XX/XX/XXXX my son, XXXX years old, was contacted by a person who identified themselves as a Chase bank employee ( where he banks ) and was able to get him to provide them with his banking information, sign in, account numbers, debit card number, social security number. They said there were issues with the account and needed to check XXXX  and have him XXXX XXXX, all funds would be returned. He did as they asked and they showed him on his account that the money was returned but right after they would recall the deposit. They also deposited money into his account and had him XXXX  it out. On all occasions they would remove their XXXX  information. The would transfer money from his savings to his checking and then XXXX  it out. They did all this by accessing his account by using the information he provided them. They also picked some charges on his account that were large ( he trains for XXXX  at a facility ) XXXX and XXXX and reversed them by filing a fraudulent claim. 
We filed a fraud claim with Chase bank and they provided a temporary credit of XXXX and sent a text saying they were sending a temporary credit of XXXX dollars, the XXXX was never received in my son 's account and when we called the bank said they are denying the claim because his information was used to access the account. No matter how much I tried to make them understand that he was a victim they kept saying it was him. An actual transaction was done on the last bit of money in my son 's account while I was in the parking lot of the bank. My son was in school and did not have access to his account. Just yesterday ( XX/XX/XXXX ) a debit of XXXX and XXXX was done on my son 's new account making the account overdrawn. I contacted XXXX and they said they took the other credit back and the XXXX was them re reversing the reversal ( I actually already paid that company in cash after it happened ). I asked why were we not notified and they said a letter was sent out, it was days ago and they didn't even allow time for the letter to arrive. I feel the original claim should be filed because this is fraud, they are calling it a scam but they are the same thing, someone depriving someone of their funds.
Product: Mortgage

We refinanced with United Wholesale Mortgage in XXXX. We closed on XX/XX/XXXX, and signed a document that stated we were not in a flood zone. However, the second paragraph stated that if something changes, UWM can require flood insurance. On XX/XX/XXXX, we received correspondence stating that we were now required to purchase flood insurance. We have lived here for 11 years and never been required to purchase flood insurance, so I called and asked why and what had changed. They stated FEMA is saying we live in a flood zone. I have a survey of my property that was done when the lots were split and it shows that I am not in a flood zone. There is a stream running through my property, however my house is elevated and back from the flood zone. I have asked on three occasions to get the documents the company used before closing and the document that supports the change after closing. I have received nothing but the document I signed at closing. My last call, the rep stated that my survey was not in my file ( I submitted it during the refinance ) and I should upload it to the company webpage and she would send an email explaining the submission of the survey. This was yesterday the XXXX of XXXX, then I received an email telling me that my submission was insufficient or inaccurate, and I should call. When I called today the XXXX of XXXX because of the email I received, I was told to submit the documents again and she would send another email. I am getting the run around, this refi that was suppose to save me money has now cost me over {$2000.00} in flood insurance as well as an additional {$680.00} that UWM charged me for a lapse in coverage that I don't need! And that money went directly to them! I am not able to speak to anyone except the front line call center who can not help me and who several have been really rude. I have repeatedly asked to speak to a supervisor or someone in the insurance department and I have been told that is not possible. I am beyond frustrated, and because this happened I went and read reviews on the company, there are numerous bad reviews for the same exact reason of having to purchase flood insurance. There is definitely a pattern. If I had known that I would be forced to buy flood insurance, I would not have refinanced my mortgage. In addition I have contacted FEMA and was told that a survey of a property should be sufficient to provide to the mortgage company. I have attached a copy of the scanned survey, it is divided into 8 pages due to its size.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach. And exposure to personal information, in which can be used for all three credit branches. Exposure to theft and fraud.
Product: Vehicle loan or lease

We went to Huntington bank to inquire about motorcycle refinance/rates. We spoke with XXXX XXXX. We told him we inquired about a month ago and rates were still too high at XXXX. He said we came at a perfect time because the bank has a refinancing promotion going on with low interest rates. He said the rates were the lowest he had seen. Because rates were low, we decided to proceed. We gave him all the information, He even pulled a picture of the motorcycle up on his screen using vin number. He then showed us the rate and payment and said the underwriter would reach out to us via email. He told us that he would be cc on all emails. XX/XX/year> XXXX XXXX sent an email requesting additional documents ( 10 day payoff that includes year make model and vin, and a per diem interest charges, a copy of the vehicle registration and confirmation of mileage ) XXXX emailed the documents the same day. XX/XX/year> XXXX, emails requesting confirmation that XXXX XXXX  is XXXX XXXX bank. XX/XX/year> @ XXXX XXXX  XXXX, called and said the rate was approved at 5.6 % XXXX a month. XX/XX/year> XXXX XXXX  VM from XXXX stating they made a mistake and the new rate would be higher. XX/XX/year> XXXX emailed stated promotion does not apply. New rate of 10.016. I ask them to honor the 5.6 rate. XX/XX/year> XXXX emails stating loan exception has to go through XXXX. He also ask XXXX to try and get a loan exception. XXXX emails ' no exception will be honored. XXXX emails new rate is XXXX. XX/XX/year>. We went to the bank and spoke with XXXX XXXX, branch manager. She stated she was aware of the situation. She had already spoken with XXXX and her district manager. She stated not even the district manager has the authority to make an exception. She stated an exception would have to go through XXXX and his supervisor. She took their numbers and told us she would contact them and get back to us. XX/XX/year> XXXX left a message stating she put in request to have the inquiry removed from the credit report. I called her because I was confused. We never spoke about this. I again asked her to honor the 5.6 rate. She said they would not be honoring the rate. XX/XX/year>
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX  Security Breach and becoming a victim of credit card fraud and identity theft that has affected my credit negatively. Unfortunately, I used Oportun a payday loan company to pay off credit card debt and establish credit. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit. I have been paying {$100.00} twice a month on the XXXX  and XXXX as my Veterans and SSI benefits are deposited. After discovering the problem and contacting Oportun for a resolution, I was informed that the company will not provide another contract to continue direct deposit payments because the second payment set up on the XXXX of the month does not always deposit into my checking account on the XXXX depending on the day of each month that SSI disburse my benefits if there is 31 days in the month we dont receive payment on that Wednesday causing this late fee that I can not afford with a lost of income. As a result, my credit is impacted more severely with the company reporting negative late payments past 60 days, that has drawn my FICO score down to a XXXX from a XXXX credit score. This issue is not only effacing my personal credit my business credit is also destroyed preventing me from obtaining XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing a credit balance of {$740.00} currently reflected on my credit reports. 

On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check. 

Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14. 
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds. 
XXXX XXXX Bank would provide me with a REFUND check which was received. 
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED. 

Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.
Product: Mortgage

After paying XXXX mortgage payments to Wells Fargo for XXXX different mortgages in XXXX different states. Wells Fargo then went into a totally different account and drafted another payment for the mortgage in North Carolina which was {$690.00}. The XXXX payment for {$690.00} that I paid Wells Fargo applied to interest only, not to my principle payment. The XXXX payment that was taken was unauthorized by me. It was taken from a third bank account. The same account in which Wells Fargo said they could not draft from because it was a custodial account. Yet, Wells Fargo went into this account that I had deleted from Wells Fargo 's website. Wells Fargo was not authorized to take any funds from the last account. Also, Wells Fargo told me they had contacted my financial institution and was told it was a custodial account and therefore, Wells Fargo could not draft funds for the account. Then Wells Fargo turns around and draft another payment in the same pay period from the account. 
Spoke tp XXXX XXXX on XXXX XXXX, 2017 at XXXX on XXXX who said she would call me back when she found out why funds were taken from the account after payments were already made. I have not heard from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX on XX/XX/2022 to remove hard inquires from JPM and XXXX XXXXXXXX XXXX and place fraud alerts.
Product: Payday loan, title loan, or personal loan

I have been behind on my payday loan for more than 30 days along with a flex loan. Things happened such as car repairs, family emergencies and XXXX problems that made paying on time just impossible. I get letters to call this collection lady but she never returns my calls. I want to work something out but it's hard to do when they ignore you. Ive had good payment history with all my Bill 's till recently so this wasnt done on purpose. I've even tried to go in and pay on certain days and before the date arrives they run the checks and flex payment thru the bank. I've been charged XXXX in overdraft charges that could have been prevented if they had held up their side of the agreement.
Product: Credit reporting

I disputed the validity of multiple accounts on my credit file. I requested validation of the debt being collected directly from the creditors and from Experian. Experian is not properly verifying the data from the furnisher as I have not received any documentation from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX and XXXX are collecting the same debt but reporting them with slightly differing amounts due and opening dates, this should have been corrected during Experian 's original investigation. I attempted to resolve this through their online platform, however ; my request was denied due to " duplicative disputes ''. 
Finally Experian is the only credit reporting agency still reporting the XXXX despite the company 's request to withdraw the information from my files due to their inability to validate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 equifax data breach. 

XXXX. XXXX XXXX XXXX  Act. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

Venmo has my account locked. When I sent an email inquiring about this. I was sent back a response that it needs more attention from a different team and that they would get back to me in XXXX to XXXX working days. That's ridiculous. I was given absolutely no reason why it was locked, why I would have to wait so many days and why it was being transfered to a different team and from what team originally looked at it and to what team they were sending it to. Like no answers whatsoever and just wait a week and a half until we can tell you anything. I think something happened on their end and they do not want to disclose what it is.
Product: Credit card or prepaid card

I have been on Nevada unemployment since XX/XX/XXXX of 2020 its now been a year that Ive been on unemployment and seven weeks ago Bank of America prepaid closed my card account for questionable Identity. The first time I spoke with them regarding the issue they wanted me to bring in ID and Social Security card to a branch while Im on the phone with the prepaid Bank of America so that they can verify my identity. I tried doing that for three weeks straight on multiple different occasions just to be told that I have to contact XXXX. When I contact XXXX They tell me to contact Bank of America prepaid. Its been seven weeks going on eight that I havent been able to receive my funds even though I submitted all require documentation I went in person to verify my identity and theres no help Bank of America prepaid sends you to Nevada unemployment Nevada unemployment since you right back to Bank of America. Ive already lost housing since this pandemic started Im about to lose my weekly because Im not having any income I lost my car I literally have no food to eat because I dont even have food stamps qualifying because I make too much money with unemployment but Im not even receiving my unemployment. XXXX finally stopped sending my payments to my Bank of America prepaid card after my balance reached {$1400.00}. I only get XXXX for a week but with the stimulus it amounts to {$380.00} a week. XXXX equals XXXX. I am a XXXX XXXX and pay my own unemployment insurance and I am my own employee so there should be no reason why none of my funds are being with held from me
Product: Credit reporting or other personal consumer reports

Experian failed to investigate my account XXXX with XXXX XXXX after Mutiple attempts of disputing for inaccurate information they failed to do so this falsely manipulates the statute of limitations to investigate this account properly more than twice and allowed this company to put more false updates without doing the proper investigation or providing proper documentation
Product: Credit card or prepaid card

JPMorgan Chases is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with JPMorgan Chase nor was I aware that an account was ever opened in my name. JPMorgan Chase is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Product: Credit card

I received a " no-interest for one year '' credit card in XXXX 2014 from US Bank. After I paid off a balance at a " cash advance '' business with the credit card, US Bank started charging me interest on the balance that I paid off. I have contacted them 2 times regarding being charged interest on what is essentially a balance transfer and they insist that it was a " cash advance '' and that they are justified in charging me interest on that balance. I never received any cash from the credit card, simply gave the credit card number to the cash advance store to pay it off. My last communication with US Bank included a copy of the receipt for the payoff, but they still insist they are justified in charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency XXXX XXXX is reporting a XXXX Account they do not own. I find this false and misleading since they never reported all the on-time payments made to XXXX. How can they go right to charge off? They put this on my credit report for one reason, to get me to pay. This is " weaponization '' at its finest. 
I have no issue paying, I want this removed immediately! if all of my on-time payments are not being reported, and if the history I had with XXXX is not being reported then they should not be allowed to report this to my credit! 
I never had a credit agreement with XXXX XXXX. This is bringing my credit report down, and needs to be removed immediately. This is incredibly unfair and unjust!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following student loan accounts XXXX XXXX XXXX and demand their immediate deletion from my credit report due toviolations of the Family Educational Rights and Privacy Act ( FERPA ) and improper handling of my personal and financial data. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. UnderFERPA ( 20 U.S.C. 1232g ), educational institutions and their affiliates are required to protect the privacy of student records. EXPRIAN and XXXX XXXX XXXX has failed to safeguard my personal and financial information, resulting in unauthorized disclosures and improper reporting. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Debt collection

on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from XXXX XXXX XXXX saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( ACE CASH EXPRESS ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted ACE CASH EXPRESS which informed me my debt was half what XXXX XXXX XXXX stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while XXXX XXXX XXXX is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.