23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX  back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Please see attached.
Product: Student loan

I have been with Navient for 3 years and I have never had customer service actually fix my problem. Such as, getting enrolled in auto pay, giving me no answer to why my interest rate is the was it is. I paid XXXX on XX/XX/2019, on the phone I believe XXXX told me that my advanced payment would be taken and I wouldnt have to worry about my next payment until XX/XX/2019. She did not tell me I would have an increased rate of XXXX . I feel as though I dont have any correct information on my loans that I try my hardest to pay every month on time. I have been given 2 different account numbers because no one can find my correct account number. Every time I call them to try and find answers they say my account is in good standing and Im doing great. Then to find out I started out with around {$6700.00} in student loans from Navient and now on XXXX I have {$7000.00}. How am I in good standing if they have taken my payments and now I owe them more than I started with. I got pushed into forbearance and that unknowingly increased my rate. I did not get told about and rates being increased. I have spoken with 4 Navient customer service members and they all have said they would help get me my answers. They tell me the same thing that Im in good standing and I have nothing to worry about. They give false hope and wrong information. These are peoples lives not accounts.
Product: Checking or savings account

XXXX XXXX CHASE Incident We are running our accounting software on XXXX XXXX ( QBO ) and we are banking with JP Morgan Chase Bank. 
Our payroll goes through XXXX as well, and we pay our payroll via Chase bank. 

Last year, in XX/XX/XXXX, XXXX of our employees asked us to switch bank accounts in our payroll the day of automatic payroll. 
We werent able to accommodate his request on our end because the payroll in XXXX seemed to already have been processed in the software. 

So instead, we called the XXXX line of XXXX to assist in this matter. 

The lady from XXXX, assisted us via live share of our screen, and we went through the process she directed us to do. The logical steps were to VOID the first automated payroll, enter the new bank account information of the employee, and create a XXXX payroll for the employee to the new bank. She also emphasized that she had placed a stop on the first payment of the payroll in the backend, and it should be fine. Records of this should exist in a recorded line. 

After the call, we were happy that everything was taken care of, and that the employee would receive his payroll to the new bank, since his old bank, also JP Morgan Chase Bank, had stopped his account. 

Fast forward XXXX months, our XXXX found XXXX entries of payroll to that employee. The old one going to Chase, and the new one going to his new bank account. And at that point, our quest and inquiry started. This was XX/XX/XXXX. 

We then, - Called XXXX, who advised that we needed to contact Chase to stop or request payment back online. 
- Called Chase who denied this request since it was too late, and sent us back to XXXX. 
- Called XXXX  then sent us back to Chase requesting to find the trace ID for the payments. 
- Called the employee asking if he had received the first payment to the old bank, and who denied receiving it. 
- Called Chase who found the Trace ID showing that our employee is correct, and that Chase had sent the money back to XXXX - Called XXXX who found the Trace ID showing that the money went back to JP Morgan Chase bank where the money should be today. 
- Called and Texted in dozens of attempts with Chase to find the trace ID and find the money, and who now closed the case on XXXX saying it has been too long time ago. 

We have all the supporting documents to prove that we have not received this money for payroll back from our employee. 
Our bank JP Morgan Chase is simply denying to look into this any further.
Product: Checking or savings account

Hello. 
I opened XXXX accounts with J.P. Morgan Chase back on XX/XX/2022, there was advertising, that the bonus for opening and fulfilling the requirements would be prompted. 
For opening Saving account, putting XXXX $ on that account in the next 20 days, and keeping the balance for 90 days - XXXX $ in the next 15 business days, I posted the amount they wanted on XX/XX/2022, and kept it until XX/XX/2022, with no bonus until XX/XX/2022, For opening checking, it's been advertised I'd get XXXX $ for Direct Deposit that going to come to my account, and XXXX $ for both. called and wrote to customer service, with no luck in getting anything, they stated, the bonus promo code had not been applied, but I used the link, they gave to me.
Product: Debt collection

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

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 XXXXXXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is illegally and dishonestly stating they are unable to locate a credit file for me with the same identification Ive used for XXXX years my social security number and card and my valid and legible drivers license. I have since XXXX attempted to have them remove inaccurate and misleading credit information with dispute letters and the proper identification they are still lying that they cant locate a file for me. Im tired of this and now Im going to also file a complaint with my states attorney general and contact a lawyer to sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request to Remove Paid Closed Account Payment History Dear Exeter Finance Customer Service, I hope this letter finds you well. I am writing to request the removal of payment history associated with my closed account. Although I have paid off all outstanding balances and closed the account, the payment history continues to be reflected in my credit report and financial records. 

I understand that maintaining accurate records is essential for financial institutions like Exeter Finance. However, as the account has been fully paid and closed, I believe it is appropriate to update the records and remove the payment history associated with it. Removing the paid account 's payment history will enable me to manage my financial profile more effectively and accurately reflect my current creditworthiness. 

I kindly request your assistance in initiating the necessary steps to remove the payment history associated with my closed account from all relevant credit bureaus and internal records. I understand that this process may involve contacting the credit bureaus directly to request the removal of the payment history entry. 

If any additional information or documentation is required to complete this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the payment history has been successfully removed from my closed account and any necessary actions have been taken with the credit bureaus. 

Thank you for your attention to this matter. I value my relationship with Exeter Finance and trust that my request will be handled with professionalism and efficiency. If you have any questions or require further clarification, please carryout this matter within 3 business days. 

I look forward to a favorable resolution to my request. Thank you for your prompt attention.
Product: Credit reporting or other personal consumer reports

Mt credit card was reported closed as of XX/XX/year>. However, the card is in fact still open with a {$91.00} balance. I reached out to XXXX and Experian to fix the issue, neither one cares to fix this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Request for Immediate Action on Identity Theft Related Credit Report Disputes Pursuant to FCRA 605B Dear Sir/Madam, I am writing to bring to your attention a critical matter regarding identity theft and the inaccurate information on my credit report maintained by XXXX, XXXX, and Equifax. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I have formally requested that all negative information resulting from the identity theft be blocked or deleted from my credit report.

I have submitted detailed information to all three major credit bureaus outlining the accounts that are inaccurately reporting due to identity theft. I have also provided the necessary documentation, including the police report complaint documentation number, as evidence of the identity theft incident. 

It is imperative that the credit bureaus conduct a thorough investigation and take swift action to rectify this situation. 

As per the law outlined in FCRA XXXX, I am requesting that XXXX, XXXX, and Equifax block or delete the fraudulent accounts from my credit report within 4 days.

The burden of proof lies with the credit bureaus to verify and correct this information, as I am diligently working to restore my life and financial well-being following this egregious theft of my identity.

I urge the Consumer Financial Protection Bureau to intervene and ensure that XXXX, XXXX, and Equifax comply with the legal requirements set forth under FCRA 605B.

It is crucial that my credit report accurately reflects my financial history and that the negative impact of this identity theft is promptly addressed. I appreciate your attention to this matter and look forward to a swift resolution. 

Please do not hesitate to contact me if any further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

This complaint is related to CFPB case number : XXXX ( see attachment entitled : " CFPB Case XXXX '' ). In response to that complaint Nation Star Mortgage indicated in a letter dated on XXXX/XXXX/2015 that proof of insurance was received ( see attachment entitled : " Nationstar Letter Acknowledging Receipt of Homeowners Insurance XX/XX/2015 '' ). In a Nation Star Mortgage Statement dated XX/XX/2105 it is clear that the escrow payment for missing insurance was eliminated as a result of the CFPB case. However in the most recent mortgage statement dated XXXX/XXXX/2015 an escrow amount of {$640.00} mysteriously appears ( see attachment entitled : " Nation Star Mortgage Statements XX/XX/2015 '' ). I would like Nation Star to eliminate this mysterious escrow amount from my mortgage statement.
Product: Payday loan, title loan, or personal loan

During the months previous to XXXX 2013 I was contacted several times by CashCall Inc. through their advertising and phone calls, I really did not want to take a loan out, but at the time I wa struggling due to going through a XX/XX/XXXX. I also was having XX/XX/XXXX issues, that soon became serious and was on XXXX XXXX for about a year and a half. I was overwhelmed with house payments, child support, bills, car payments etc. The initial loan was for the amount of approximately {$2600.00}, and then soon became overwhelming with the inflated annul percentage rate of 184.36 %. I received a summons from CashCall and Im being sued for {$16000.00}. I feel I was in a bad state of XXXX and XXXX at the time they preyed upon me for a loan that is nothing but criminal, deceptive and deceitful at the least. This company should not be in business and is a shameful example of fair business practice. I plan on contacting the Attorney General as well as getting advise from an attorney I can barely afford. Why does the government let such companies as CashCall exist?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX  XXXX XXXX - XXXX - {$30000.00} XXXX XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$630.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through Avante, 1 collection with XXXX, 5 collections through XX/XX/XXXX onXX/XX/XXXXXX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX and 1 collection with XXXX XXXX, 4 collections through XXXX on XX/XX/XXXX I am disputing all of these on legal grounds
Product: Debt collection

Verve violated the SCRA and FCRA by failing to place the account in SCRA status when I entered active-duty service, revoking my credit line, and providing negative information to a credit reporting company. After multiple attempts to get Verve to put my accounts in SCRA status, Verve charged off my account in XX/XX/XXXX. In XXXX, I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX and hired an attorney to send a letter to Verve to get them to comply with the Federal/State statue. Verve then retroactively placed the accounts in SCRA status and issued a credit leaving a balance of {$540.00}. However, Verve refused to accept responsibility for their role in charging off my account, which harmed my credit report. Verve 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required Verve to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Verve only agreed to retroactively limit the interest rate and refund me checks after I hired an attorney to send a letter and filed an official CFPB complaint in XXXX.
Product: Vehicle loan or lease

My lease contract included a {$350.00} refundable security deposit which Kia Motor Finance did not reflect on my statement which has a line item for the credit. I paid the amount I owed & sent KMF a letter explaining. Payment was made within 30 days of receiving invoice. I talked to a CSR person XXXX ( XXXX ) who acknowledged the contract mistake and said they would fix it. They didn't. Talked to another KMF rep who tried to collect the {$350.00} but wouldn't offer to help, correct, or contact the dealer. Finally a Kia rep, on XXXX, XXXX XXXX explained for the first time they received 2 contracts. KMF accepted a 2nd fraudulent lease contract from the Kia dealer who changed payment terms on the lease without my knowledge or signature. After KMF sent me copies of both, I confronted the dealer, got a check for the balance of {$350.00}, and promptly mailed it to Kia with an explanation. In the mean time they ruined my near perfect credit and have refused multiple attempts to change their report to the credit agency because they say my payment didn't arrive within 15 days of their mailing me a statement. I didn't receive the first statement dated XXXX until XXXX. I mailed the amount I owed on XXXX.
Product: Debt collection

Sunset Finance of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Opened : XXXX XXXX XXXX Reported : XXXX XXXX XXXX  Last payment : XX/XX/XXXX Account status : Paid & Current Company made a hard inquiry on my XXXX report on XX/XX/XXXX the same day the last payment was made. 

Reporting a derogatory erroneous account information on my XXXX and XXXX Credit reports even though the account is paid in full and current
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I started an account with MoneyLion ( XXXX ) and was approved for a loan of {$500.00}. This was approved and paid successfully with the last payment listed for XX/XX/XXXX. This acct was paid satisfactorily, which prompted me to use Money Lion a second time the following year. Starting XX/XX/XXXX I opened another installment loan with MoneyLion for another {$500.00} ( XXXX ). This acct was also paid in full and reported to XXXX and XXXX, with the last payment being made and reported on XX/XX/XXXX. Again this was satisfactorily paid all payments were on time and the acct has been in " Paid Staus ''. This concluded my business with Money Lion. I have never reached out for any further Installment loans, yet there is another that was opened fraudulently. Less than 30 days after my last payment and closing of the 2nd acct, there was another opened for {$500.00} on XX/XX/XXXX. ( XXXX ) This account is Fraudulent, I did not request this to be opened. I brought this to Money Lion, explaining that I have been a victim of ID Theft, and this acct opening confirmed it. My previous business with Money Lion was all payments made on time, and all accts paid in full. Yet this account has had not one payment made ( not like me ) and has since been a chargeoff and placed in a Derogatory Staus on my credit reports. I explained this to a Supervisor at Money Lion named XXXX XXXX She stated that the debt is currently rising and is now over {$500.00} due. I formally disputed this amount and requested information pertaining to the sign-up that was initiated on XX/XX/XXXX. I requested the XXXX XXXX XXXX with proof that I was the one who signed up. I was told that the XXXX XXXX would be investigating and will get back to me. They emailed me 2 days later and stated that due to the information they have in their system they are confirming their debt as mine, I have included a copy of the email decline. I feel that Moneylion did not investigate properly or they would see that not only did I only utilize Moneylion twice, but both times MoneyLion was paid in full with no issues at all. The nonpayment attached to the third should have this account associated with fraud, due to no one payment being made. If this was my account it would show payments made. I am consistent in paying back my loans.
Product: Credit card or prepaid card

I am owed a refund of {$250.00} and I have not received the check. They say they have sent 3 times and it never arrives. I asked for them to send a trackable method and they refused. I asked for it to be sent electronically to my account and they refused. 

Need this resolved, been going since XX/XX/202XXXX XXXX
Product: Checking or savings account

Starting from XX/XX/23, I received several emails from Chime about my account is waiting and creating a password while I never opened an account with Chime. I thought it was a fraud case and contacted Chime. I was told someone will follow up with me but never heard anything back. I received another email about my chime acct so I contacted Chime again to report thia fraud case. Was told by the agent on the phone to contact the support email, which I did. But I got two additional email responses from Chime about how to reset my password instead of addressing the fraud. At this point, I suspect chime doesnt want to close the account and stop the fraud or even opened the account.