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

To whom it may concern : JP Morgan Chase was the financing company who was the lessor for a car I leased from XXXX in XXXX, which was subsequently traded in for a new vehicle late in XXXX. I started to receive debt collection calls from JP Morgan, earlier this year, related to property taxes and traffic violations that they had paid on my behalf. I thought something was suspicious as the traffic violation dates seemed to be beyond when I possessed the original XXXX vehicle. 

When I said I had no idea what they were referring to, they insisted they had been sending mail to me with documentation, but I never received anything from JP Morgan, even when I provided them my new address. Finally, there was someone from this team that actually explained what they were trying to collect for and provided me with the traffic violation numbers. I was able to confirm the property taxes were indeed for the time period when I leased the car and I remitted payment to JP Morgan for this. When I reached out to XXXX ( the actual company that issued the traffic toll violations )XXXX XXXX confirmed that the traffic violations were not in my name nor the license plate of my car and were related to a totally separate vehicle, but they can not provide this information to me because of personal data privacy laws. When I relayed this information to the JP Morgan representatives, they told me it is my burden to prove this, despite acknowledging it could be a data issue on their end and somehow can not access the actual violation data, because it was processed by a separate part of JP Morgan. My most recent outreach to XXXX  occurred on XX/XX/XXXX, in which they definitively told me there is no method that they can provide me written confirmation that the traffic violations are associated with a different account. I once again relayed this update to JP Morgan on XX/XX/XXXX and the representative told me once again that they will not be eliminating the balance of {$430.00}. I have consistently worked in good faith with JP Morgan to try and resolve this matter, despite the borderline harassing calls I received earlier this year ( until I was assigned someone who actually took the time to try and resolve this situation ), and I find it ridiculous that they are refusing to acknowledge that they potentially made a mistake and have put this burden on me to prove, knowing full well that they are the entity who actually has the data needed to confirm this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX about reporting a collection inaccurately which is against the law as well as reporting a late payment. 15 usc 166b, section 1637b, 15 usc 1681b, All of my reports with the 3 bureaus are inaccurate and i have asked for proof as to how they verified in violation of FCRA AND FDCPA, FCRA 622 a7
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.v
Product: Credit card

They are charging me a late fee for a mistake that they made. There are now two different account numbers. I paid before the due date so I wouldnt get a late fee. Total was {$64.00} and now I am receiving more late fee bills for now {$160.00} I already called them and they dont care and just want the Money. The money has already been taken out of my account when I paid over the phone on XXXX Then there was an issue with wrong account and somehow there are two accounts so I paid it again because they sent me a letter stating it was the wrong account. Why are there two account? Someone messed something up and doesnt know what theyre doing and one account needs to be closed. They dont want to help me when i call they keep putting me on hold and i gave them account numbers and no one is helping me
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review
Product: Credit reporting or other personal consumer reports

I have always made my payments on time with this company using their automated system but i recently went to get a home loan and noticed that there was a late payment on my account. I have tried disputing it to get it removed and contacting the company to see how i was ever late but have not been able to get it removed. Please help me in resolving this issue and getting it removed.
Product: Student loan

On XX/XX/XXXX, I called Aidvantage to request my Parent Plus loan be refunded for the payments I made during Covid ( since XX/XX/XXXX ). I have called several times to request status on my refund. As of today ( XX/XX/XXXX ), my Parent Plus loans have not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. 1 year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid 1, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXX  0f XXXX, XXXXDuvera Financial reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX Duvera Financial are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!
Product: Mortgage

I pay my mortgage and always have over a month in advance and it has normally been processed and reflected as paid on my next statement, or XXXX due for the upcoming month. on XX/XX/XXXX XXXX I paid my XX/XX/XXXX payment and it was credited correctly. On XX/XX/XXXX I paid my XX/XX/XXXX payment and they applied it as ADDITIONAL PRINCIPAL meaning my next advance payment on XX/XX/XXXX for XXXX was applied to XXXX and now I owe ANOTHER PAYMENT. The servicing company Mr Cooper knows and acknowledged the mistake and said they would adjust it. There were also supposed to call me back and never did so I called back and they pretended there was not record and said they would adjust the payment and apply it to XXXX, but it still has not been done. They have also not given proper notice of escrow increases and never gave me an opportunity to pay the difference to keep my payment managable and the same. The loan has been sold over five times and had five servicing companies, and SETERUS was even worse than Mr. Cooper about responding or adjusting even when they admit they made a mistaken application to additional principal when knowing I intended it as a monthly payment a few weeks in advance as I always do. I want this payment applied correctly because during this time business is very slow and I need the money and not to make an additional mortgage payment due to MR COOPERS mistake. These people will hound you all day long if you a day late, but never return calls or respond or escalate a situation where they have made an error and then deny that you ever even called. They do not give you an opportunity to bring your escrow up so that you don't increase your payments. Then they want you to go to online billing and and TRUST THEM. I am furious at the time I have to spend to get the right department and the actual person to service me hours on phone for this, when only a human can fix it, and even then, refuse to do so, causing me the fear of not having enough money right now and them forcing the books to look like I did not make a payment this month ... .Additional Principal XX/XX/XXXX {$50.00} {$50.00} {$0.00} {$0.00} {$0.00} {$170000.00} Monthly Payment XX/XX/XXXX {$1700.00} {$430.00} {$580.00} {$730.00} {$0.00} {$170000.00} Additional Principal XX/XX/XXXX {$1600.00} {$1600.00} {$0.00} {$0.00} {$0.00} {$170000.00} Additional Principal XX/XX/XXXX {$9.00} {$9.00} {$0.00} {$0.00} {$0.00} {$170000.00} Monthly Payment XX/XX/XXXX {$1500.00} {$420.00} {$580.00} {$570.00} {$0.00} {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES CREDIT XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX  - DATE XX/XX/XXXX XXXX  - DATE XX/XX/XXXX XXXX XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - ALL INQUIRIES
Product: Debt collection

Company sold account into collections. I applied for internet services. I was denied service based on an alleged debt. XXXX XXXX XXXX has sold the account to a collections agency and is now asking me to pay XXXX for the account sold. Also sold my personal information without consent to collection agency and is now denying services, based on the sold account. Under the fcra there are suspected violations I ask you to investigate. Also, there is personal information, sold without my consent expressed in written form, and is attempting to double dip.
Product: Credit card

Your website is totally lacking in Customer Service!! 

I fail to understand how you suddenly decide that my monthly payment should increase from XXXX XXXXXXXX {$400.00} per month to over {$1000.00} per month when I have not charged anything and have made payments. Your website does not allow any direct questions that I can readily find. You have continued to add charges in spite of payments made and no way to contact you via email to ask questions and find answers. 

I am enclosing a copy of my payments from my checking account for the past year and copies of the bills for the past XXXX months. 

Please explain the following in detail : XXXX. Why you suddenly change the amount of the monthly payment from XXXX XXXX XXXX XXXXXXXX to over XXXX XXXXXXXX. 
XXXX. Why you keep adding charges when I have made payments ( certainly less than your XXXX XXXXXXXX demands ). 
XXXX. Why you send my text messages about lowering interest rates but refuse to accept a response via text.
Product: Credit card

XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.
Product: Debt collection

On or around XX/XX/2021 I, XXXX XXXX, XXXX, wrote and submitted a dispute letter with Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, concerning medical debt in the amount of {$1200.00} reported to the XXXX major credit reporting agencies. This letter was written after two failed attempts at contacting this company by phone to dispute the debt and the collection associates refused to speak and hung up. This debt was incurred by no fault of my own, i do not owe it, I did not give permission to ARS to collect my medical records nor did I sign a h.i.p.a form, nor did i enter into any written, verbal, or electronic contract with ARS at any time concerning this debt in any way. They were instructed to delete and remove this debt from the XXXX credit reporting agencies and my personal credit report.
Product: Mortgage

After receiving a XXXX insurance settlement check from XXXX XXXX in the amount of {$41000.00}, I contacted Select Portfolio Servicing for the payoff of my mortgage. On XX/XX/XXXX I received by mail a payoff quote in the amount of {$25000.00} that would expire on XX/XX/XXXX. I contacted the company that day inquiring the process of getting the check endorsed to payoff my mortgage and the 3rd party insurance adjuster also on the check. Was told we had to get the 3rd party to endorse the check as well as myself and send it to them. I offered to send a bank check if they would endorse the check, but they refused. On XXXX XXXX, XXXX I drove XXXX XXXX way from XXXX  XXXX XXXX  to the XXXX XXXX  area for the endorsement of the insurance adjuster. I had to post date a personal check XX/XX/XXXX, for their payment which they would cash once SPS returned the proceeds after payoff. I contacted SPS once again about enorsing the check so I could send them a bank check which they again refused. On XX/XX/XXXX, I received yet another payoff now in the amount of {$26000.00}. I followed their protocol on XX/XX/XXXX, by overnighting the XXXX check, along with, the documents they required : a letter of request to pay off the mortgage and the new pay off quote, which they received and signed for on XX/XX/XXXX mid afternoon. On XX/XX/XXXX task was opened, on XX/XX/XXXX Loss claims submitted to documents and check to the payoff department where the check has been sitting since XX/XX/XXXX. After calling every couple of days, not XXXX single person can explain why the payoff hasn't taken place. Every person says it is pending, though several have stated they submitted an " expedite order '' for payoff. On XX/XX/XXXX, it is my understanding that " XXXX '' noticed that the XX/XX/XXXX payoff quote expired and an new one had to be sent to me which I received a week later in the amount of {$27000.00} and expires in XXXX  days, XX/XX/XXXX. My post dated check to the 3rd party on the XXXX settlement check is now more than 60 days beyond. On XX/XX/XXXX, I received a now escrow payment schedule where my monthly payment will go up from {$480.00} to {$730.00} due to homeowners insurance increase since XXXX  XXXX. I had found another Insurance company to cover my homeowners insurance at 3rd the cost back in XXXX ( why requested to payoff amount in XXXX ) but was unable to act on it because of my property still having this " open claim '' which should have been closed back in XXXX. It is now XXXX so I'm sure that rate quoted me is no longer effective. After speaking with XXXX different people today, XX/XX/XXXX with SPS, my insurance claim check is still sitting in " restricted escrow pending ''
Product: Consumer Loan

ALLY AUTO IS NOT REPORTING TO  XXXX  ONLY! THEY MUST CALL THEIR   XXXX    RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY  XXXX  CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.
Product: Debt collection

I am trying to buy a house and There are multiple negative items on my credit report that are stopping me from getting approved and its ruining my reputation I believe this is defamation of character Credit Acceptance ( Auto ) {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo credit card that I barely use had an unpaid balance ( {$15.00} plus late fees = {$43.00} ). The account was paid as soon as I was notified and I also closed the account. Wells Fargo has now hit my credit report 3 times one with a XXXX balance entry despite the card being paid off and closed. I have contacted Wells Fargo multiple times and the problem continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I applied for a retail store credit through a company called XXXX. My application was delayed as I have a Identity theft alert on my reports. That application was denied as they stated that I failed to provide the required information to process the application. i called the company and while I was on the phone they stated that the problem could be resolved after they verified my identity by calling me on the phone number noted by the alert. The phone number on the alert was XXXX, the credit was declined due to the failed verification. On XXXX I contacted Experian and asked why this error existed as in recent years and months, I had changed the phone number to XXXX. The Experian agent confirmed the new number and also stated that their system somehow possessed the old and the new phone number, but had disseminated the old number, and not the new. I was then instructed to speak with Experian 's fraud department as they would be able to change the inquires which were impacted by the incorrect reporting for four years. I was forwarded to a fraud specialist named " XXXX '' and she began to berate and insult me after she was presented with my issue. She stated " I know that you are lying because that no one really sent you to me. '' After a few minutes, I requested to speak to another fraud specialist, and she refused. I then terminated the phone called after i felt being insulted and " XXXX '' was refusing to send me to another specialist. Later, on XXXX I called back to Experian and was forwarded to another specialist. This time the fraud individual provided me information that the last time I contacted Experian was in XXXX. This information is false as each year since XXXX i check on my credit through the Experian credit monitor service where I pay to have access to my credit. Then, I altered the phone number as I moved from XXXX to XXXX in XXXX. I again informed the fraud specialist that the Experian agent confirmed and conceded that there system possessed both the current and the old verification phone number and published the wrong information. He then stated that Experian had no legal obligation to publish the correct information or change information that is incorrect. At that time, I again terminated the phone call from the fraud specialist as his comments were not only illegal but may have been a statutory violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Company/Date- 700 Credit XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Company/Date- XXXX XXXX  XX/XX/XXXX Company/Date- XXXX XXXX  XX/XX/XXXX The companys listed above I noticed unauthorized inquiries on my credit report.
Product: Debt collection

I have know knowledge of what this is for and I have asked multiple times for an itemized bill and dates of when this service had happened and they will not give me the information or any details at all I have always paid something consistently on XXXX through the XXXX so I should have XXXX accounts going into a collection. 

company revco account XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I contacted Exeter Finance and let them know I would be XXXX in XX/XX/XXXX to request XXXX XXXX XXXX. The representative let me know to send in my XXXXXXXX XXXX XXXX paperwork and the request would be processed. She told me to reach back out in XXXX  days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : XXXX. Late payments would be reported to the credit bureau if I become late XXXX. Even if I become more than XXXX  days late, my vehicle would not be repossessed as part of the XXXX benefit. 
XXXX. I was eligible for XXXX deferements as a result of the XXXX benefit. 
XXXX. My interest rate would be updated to XXXX XXXX and any future payment made would be applied based on the updated interest rate. 
XXXX. I would be eligible for the XXXX benefit for XXXX months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. 

I reached back out to Exeter finance on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the XXXX team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. 

On XX/XX/XXXX, I would injured in duty and was put in a XXXX XXXX XXXX I was initially released on XX/XX/XXXX. I contacted Exeter XXXX on XX/XX/XXXX to inquire because my credit report was saying that I was not XXXX days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested SCRA coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. 

I called and spoke with several supervisors at Exeter finance from XX/XX/XXXX to XX/XX/XXXX to plead my case for XXXX benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was reinjured and in a XXXX XXXX center until XX/XX/XXXX when I was released from XXXX XXXXXXXX duty. 

I have since contacted Exeter to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the XXXX benefits available to me. My next step is to file a suit with the Department of Justice for non compliance of Exeter to assist me with these benefits and the unfair reposession and account balance that is now on my credit report. 

This inaccuracy needs to be removed immediately as I am entitled to my credit report being correct and free of inaccuracies.
Product: Checking or savings account

On or about XX/XX/XXXX at XXXX I entered a XXXX  at XXXX XXXX XXXX.Apparently the XXXX XXXX people where re feeling the machine with money ..Upon the XXXX  XXXX  completing entering the funds into the machine, I was immediately given a directive stating I was able to use machine ..I entered my chimes card, keyed in {$320.00} to withdrawal no funds where dispused instead a message appeared on the screen stating this terminal is out of service. I would highly appreciate if my funds could be replaced, that was my bill money & chimes shows no one empathy on individuals taking these loses through these ATMs I will never use CHIMES for anything ever again.