23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am having a problem trying to find out is it possible for me to break contract with  Special Financing Company LLC   XXXX   XXXX   XXXX   XXXX , Virginia  XXXX  Phone : (  XXXX  )  XXXX  Regarding my purchase from merchant :  XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX  Amount Financed : {$1900.00} Minimum monthly payment {$98.00} First payment date :  XXXX / XXXX /   2016. I have  been paying them for a year and this money I am sending them it is not going towards my payment decreasing my student loan. I spoke with a representative on the phone because I am in the process of getting my loan recertified for  IBR which means Income Base Repayment because my income is very low. She told me the representative that only the {$110.00} I am paying them is going towards my loan amount for decreasing it and the money that   XXXX  Special Financing    Company  is not doing anything for me and that I could have easily called them to have gotten my monthly payment for IBR in the amount of {$110.00}. I want to know why I was led to believe they are helpi ng me I want this contract broken with them if possible or are the legal company and why was I target. When I try to call  XXXX , the same voice comes on the phone saying that you have called after hours of operation and just leave a message when you can not leave a message because the mailbox is full. I needs answer because right know I have completed forms for my bank to stop  Special Finance   Servicing from takin g any amount out of my account in the amount of {$98.00} or any amount.
Product: Credit card or prepaid card

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter XXXX XXXX. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee. 

I do not agree with the companies policy of waiting 10 weeks to receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. A collection account was removed from my report and my score WENT UP XXXX points. XX/XX/2022, my score WENT DOWN XXXX points WITHOUT ANY CHANGE to my report. WHAT IS THE REASON FOR THE DECREASE?
Product: Mortgage

I called the mortgage company two days after closing on my property to update my address so they could send me a check for the amount due back to me of {$1500.00}. After a month and a half of not receiving payment I called again and was told there was no record that I had called in and the check was returned because it was sent to my old address. I then updated my address again and was told I would receive the check within two weeks. After two weeks I called again last night and was told it would be a month before they would send the check. After I complained I was told the manager would call me first thing in the morning and they would overnight a check to me. After no call this morning I called and was told they would need 24 more hours before a manager could call me. Finally I was able to speak to a customer service manager but she said she could not send the check until the Escrow Department could stop the original check and then rerelase the funds which could take a day or two and she would mail the check so it would take 7-10 days. We are going on three months since I closed on my house and I get a different  story every time I call in.
Product: Vehicle loan or lease

I will refer to the former complaint XXXX. After still fighting for 3 years to get this account closed for good, it has come to my attention that JPMorgan Chase Bank may have violated the Servicemembers Civil Relief Act ( SCRA ) given that I was XXXX from the XXXX until XXXX. According to their documents, " Your rights under the Servicemembers Civil Relief Act ( SCRA ), similar state laws, and/or Chase Policy will guide what happens with your account. During your active service and for 180 days after, Chase will not repossess the vehicle without your written consent unless it is at risk of loss or damage ''. The vehicle was never at risk of loss or damage and seeing as I never received their correspondence, I also never gave them my consent. I have also come to find that I can file a complaint for this to the US Justice Department. I just want to be let go from this account. This account was even actually closed previously but then they reopened it. I failed to make the payments, yes, the car was repossessed, causing HUGE life-shattering effects, and caused even more hardship and still impacts my ability to apply for loans and mortgages to this day because for some reason the reports say that I am too pay {$5000.00} a month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/2024 how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Mountain America Credit Union Account # XXXX, has violated my rights on several occasions in the last 7 months. Payments made in person before 30 days late and company is reporting as Late. Should show as XXXX. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Wells Fargo Dealer Services is not reporting on time payments and current account balances in a timely manner. It is XX/XX/2019, and the last payment that they have reported is XX/XX/2019 or XX/XX/2019 depending on which credit bureau I am looking at my report on. The last balance they have reported is {$7100.00}, but my current balance is {$6500.00}. 

If I allow for their policy on reporting to the bureaus, which Wells Fargo Dealer Services has stated as " due date to due date, '' XXXX 's payment and balance would make my report current and should be what is shown on my credit reports, but my report only reflects being current in XXXX. 

I contacted Wells Fargo Dealer Services yesterday, XX/XX/2019 in an effort to resolve this, and they claimed that they had reported to the bureaus and they didn't know why it wasn't up to date. They reiterated their policy of reporting " due date to due date, '' and refused to assist any further. 

My report shows that the last time my Wells Fargo Dealer Services account was updated with any credit reporting bureau was on XX/XX/2019. If that is the case, and they report as they say they do, they have reported inaccurate information to the credit bureaus. I can confirm the credit bureaus are reporting the information they are given in a timely manner as my other lines of credit are current and correct ( reporting from XXXX ) within my reports. It makes no sense that all other accounts would report correctly except for Wells Fargo Dealer Services unless Wells Fargo Dealer Services isn't furnishing correct and current information to the bureaus.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have a loan on a XXXX XXXX through XXXXXXXX XXXX and have been paying on it since XXXX, in that time I have never missed a payment. In XXXX i realized i was out of loan payment slips to send in my payment. When logging into their mobile app to find contact info I was informed that I could now link an external account to make loan payments directly through the app, with the payment transferring directly from my checking account. 

I submitted all account info and waited on the trial deposits required for account verification. After XXXX days the deposits were made and I logged into app toverify and make payment. I initiated a transfer of {$600.00} from my XXXX XXXX checking account to the loan, after i completed it I got a confirmation screen saying the transfer had been initiated. 

Early XXXX I receive a notification from a credit monitoring service saying that I had negative information on my report, upon checking it I was informed that XXXX had reported that I was over 30 days late on my account. I immediately called and explained that I had made the payment through their app. They told me they had never received it so at that time I made that payment and the next payment due at the same time. I asked them if they could remove the XXXX  day late mark on my credit since their app had told me it had been initiated, they told me if I did not have a screenshot to prove it then I was out of luck. When I asked why I wasnt emailed regarding my account like every other bank I use does they informed me that a letter had been sent and claimed that voicemails had been left. ( i never received an voicemails or a letter in the mail ) I called again on XX/XX/XXXX after I recieved a notification from another credit bureau regarding the late payment, during the course of tis call they asked me all of the same security questions that they have been asking since XXXX to access my account via phone. Those questions include your full address, and during this conversation I was told that I hadn't supplied the right address, I then gave them my previous address and once again they told me it was not correct. At this time I gave them the address that I had lived in in XXXX and was finally correct. When I questioned why I was never told that I was giving the incorrect address, they argued that I never changed my address and it wasnt their responsibility. But my argument was why over the years was I allowed access to a secure account even though I was not providing the correct address which was used as a security question to access said account, and had they informed me that my answer was incorrect in XXXX of the many calls I had made since leaving that address then I would have got the letter that they claim they sent to notify me that my payment was late before it got to be 30 days delinquent. 

I have had a perfect payment history with XXXXXXXX XXXX for the life of the loan as well as all of my other creditors, and now have a negative remark on my credit report that will stick with me and adversely effect my score for the next 7 years due to failures on many of levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

I purchased a Western Union money order in the amount of {$49.00} at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
The Western Union Money Order Number located at the top right of the money order is XXXX 
The money order ripped and I only have half of the money order., Western Union stated that I would need the receipt for the money order to be refunded however I left XXXX XXXX without the receipt. 
Contrarily I can not use a this money order as I only have half on the money order. Additionally, Western Union refused to refund the amount to me.
Product: Credit reporting or other personal consumer reports

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

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

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

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

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Mortgage

On the XXXX of every month my mortgage payment is deducted from my account and sent to the mortgage holder. About two weeks later I receive a letter saying my payment was late and late fees are added. This goes on every month, even though I can show the payments being made and a confirmation number. I've called these people several times and I just get transferred from on person to the next, nothing gets resolved. My previously excellent credit is ruined. I need to put a stop to this somehow.
Product: Debt or credit management

Signed up to have XXXX plus of debt worked on. They had me miss payments to qualify. Once payments were missed on XXXX cards they took almost {$900.00} to pay themselves before starting on debt. That was never agreed on. Due to missing payments on cards I had never been late on the fees for missed payments made it impossible to take the cards back over on my own. Due to beyond not doing as promised I had to let XXXX cards close. They also added over {$12000.00} in fees to pay themselves making it a XXXX awful amount over the debt even enrolled once having to pull accounts from the program due to misleading information and hidden fees in enrollment. I have requested it account be looked into to see why they think they need to take XXXX  months worth of payments when my debt and their fees will be paid by XXXX. I get the run around and my credit was almost a XXXX and now its a low XXXX
Product: Debt collection

Jp Morgan/Chase Keeps calling me on in regards to my credit card. I do owe a balance and spoke with a gentleman already on XX/XX/23 XXXX XXXX - XXXX. I spoke with him letting him know the situation & that I can not make a payment until next month He called same day before that earlier in the day but went to voicemail. 


I then have a lady call me at XX/XX/23 first at around XXXX today & then called me again at XXXX. ID XXXX XXXX.. Tried to argue with me & said they didnt call in regards to this specific credit card since XXXX WHICH WAS A TOTAL LIE. I told her the same thing that I told the guy on the XX/XX/23 & she kept badgering me telling me well when are you going to make the payment? 

They are calling at least 2-3 times a day I believe is violating the conversation Frequency prong as well as the seven day rule!
Product: Debt collection

A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from XXXXXXXX XXXXs ( XXXX ) and that she was trying to contact me regarding an old payday loan with check n go. I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted check n go after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with my county. I again called check n go and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling XXXX XXXX back requesting a debt validation letter XXXX stated that it would be too late to send one and that charges would already be filed, she stated they sent one to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.
Product: Credit reporting

The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX , LA XXXX ( XXXX ) XXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : XXXX XXXXBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXX/XXXX/XXXXHigh Balance : $ XXXXXXXXPast Due : & gt ; {$100.00} & lt ; Pay Status : & gt ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days inXXXX/XXXX and in XX/XX/XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XXXXXXXXRating N/R XXXX C/O XXXX C/OXXXXXXXXXXXXRating XXXXXXXXRating XXXXRating OK OK XXXX OK OK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the HIPAA Act of 1996 which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 


The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

In 2016, I received a bill for {$1400.00} from XXXX XXXX XXXX. I called them because the notice said, " I was going to be disconnected. '' I spoke to representative they gave me an address of XXXX XXXX XXXX. XXXX, Texas XXXX. It was a commercial business named XXXX 's XXXX. I was not successful on speaking to anyone there. So I called XXXX XXXX XXXX and explained to them that it was not me who used this energy & that my residence at the time was XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. They informed me they couldn't do anything about it and that If I didn't pay I would get disconnected. The disconnection came because I could not pay that large amount out of nowhere and ended up having to use a prepaid light company until I paid a deposit for XXXX XXXX  in which they allowed me to split my deposit payment and get regular service. This was a Identity theft. I did once go to a police station by XXXX XXXX near my place of business. I was told that I couldn't file it there and given some info sheet. 

Nothing has been resolved. I have disputed it many times and it has been placed on my credit report regardless. Plus, they have placed it in collections and recently managed to report it as a late payment. I don't know how this is possible since the damage has been done by placing it in collections but still reporting it as late how is it that possible. It's like knowing they won and still kicking me by reporting it late, changing the dates of the " supposed incident '' allowing it to extent and start over, placing it in collections & as much as I dispute I'm being fed to the dogs and no consideration of what this is doing to my credit that affects my life in general.
Product: Credit card

I had my credit card, Target hacked off my computer by an individual misrepresenting himself as XXXX from XXXX. I contacted Target, they canceled the card, reissued a new card and number, and then proceeded to charge the fraud charges to my new account, claiming I benefited from the charges. I hired an attorney in XXXX to clear this matter up. XXXX XXXX XXXX XXXX XXXX Pa which has to date been unable to resolve the issue. The attorney sent a copy of my POA, which they signed for. 
The state police were notified, my computer was cleaned professionally, and I have spent {$2500.00} on attorney fees, so far, trying to resolve this matter, which I should not have been responsible for, since I reported it as fraud. I froze my accounts on credit reporting agencies, filed an identity thief claim.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted a request on the above dates to validate the debt I included the verbiage : " I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. " No information was ever supplied to me it has been almost 6 months