23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Bank of America credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Bank of America customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ).
Product: Consumer Loan

I bought a used car from a private party, giving him {$3900.00} in cash ( no checks involved ) for payment in full on Tuesday XXXX. I got my cash from XXXX XXXX XXXX. They had approved a used car loan at 2.5 %, but because the seller had a lien on the car with JP MORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX XXXX, TX., I had tp take out a personal loan at 9.25 % until I got a clear title. Then they would convert the personal loan to the 2.5 % used car loan. 
The seller and I went to the local Chase Bank branch on the same day. We had the managercompute to the penny how much the seller had to give in order for the lien to be paid off. 
He then gave the bank, in all cash, that amount. 
I fully expected the bank to sign and date the title to release the first lien. But no. Chase explained that that had to be done in the " back room '' and they would send to ME a letter stating that the loan has been paid in full. I protested, but was told that was the way it was going to happen. 
The end result is ; I took out a loan 9.25 % to buy a used car that I can not convert to a 2.5 % loan, because I can not transfer the title to my name until I wait for a snailmail that takes XXXX weeks. Further, I can not XXXX XXXX the car that I bought until I get the waiver in the mail. Further, the Michigan XXXX charges a {$15.00} late fee if I don ; t make the transfer in XXXX days or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting a fraudulent XXXX on my report. Tradeline in question is XXXX XXXX XXXX, account number XXXX. This Tradeline has been fraudulently reporting on my XXXX consumer report for a while. Ive been in contact with the alleged creditor to let them know this is a fraudulent item. They insist that this alleged debt is mine and the only thing they have provided me with is copies of statements. Nothing that proves this account belongs to me. The even took me to court and was awarded a judgment on a fraudulent Tradeline that does not belong to me because I missed a court date and all they want to do is take advantage of consumers. Im providing several police reports indicating Ive been a victim of identity theft since XXXX along with an XXXX identity theft affidavit. Delete this fraudulent Tradeline from my XXXX  consumer report.
Product: Credit card or prepaid card

My wife and I were traveling across country beginning Tuesday XX/XX/XXXX and returning on Saturday XX/XX/XXXX. I had just about paid off the Synchrony credit card to use for hotel stays and to purchase fuel as we travelled. Everything worked fine until the we tried to book a room in XXXX Arizona on XX/XX/XXXX and we were declined. I called the credit card company and asked why the card was declined. I was told that on XX/XX/XXXX ( the day before we left ) a fraud charged was placed on the card. They then allow 15 days of activity to transpire before the account is suspended. 

I asked why I was not notified by email, text, or phone call. I was told that they don't find this very secure. I was told that a letter was sent referencing the fraud charge and new cards were sent. As an aside, when I returned home there was no letter of any kind from Synchrony credit card company. However, there was a new credit card that came in the mail. 

On the phone, I asked them to reissue the number they cancelled so that I can continue my trip with my wife. They were not able to do so. If I did not have another credit card I'm not sure what I would have done. I expressed my anger to them and asked for the phone call to be elevated to a manager. As I talked with the manager, I asked what was the fraud charge? They did not know or couldn't tell me but someone did something. I said you then wait 15 days of charges to occur and then you stop the card from being accepted! 
The response was that if they find there were invalid charges by someone else they would remove the charges. I said that sounds ridiculous. 

I find the company irresponsible for the havoc and anger they created for us and I have no intentions of using their cards again without knowing their justification for this action. I'm hoping you can find out what happened so that this does not happen to someone else. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting

I have previously consolidated my students with XXXX Department of Education a few years ago. and did not realize they had left small balance remaining which had gone to collections in the amounts of {$2.00}, {$9.00}, {$10.00} and {$29.00}. I found this out when I pulled my credit report. I called the department of Education and took care of the debt which was a total of {$51.00} and was advised that this would update to my credit report as paid and Current Transferred. I proceeded to contact the Bureaus to advised of the payment. When I looked at my credit report with Experian it show a total the old debit and the new debt on my report when I called to request they fix the account I was told they only add what is being reported by the creditor. so they have duplicates on my credit report which no one seem to care to correct XXXX is showing paid the other is still showing the balances of what I have already paid, the account numbers are as following Department of Ed/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Depoartment of ED/GSL/XXXX # XXXX When I ask them to correct all they were willing to do was dispute it again.I need this information to be deleted on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two credit union loans in XXXX that I do not recognize. They were made in the same exact day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XX/XX/XXXX i entered into a consumer credit transaction with Honda XXXX XXXX and I have noticed that the XXXX and HFS have closed my claim as I was not provided proof of the investigation and have yet to acknowledge my request and they are still demanding payment when the Credit card already paid for the property for my personal and family use. I have yet to receive a billing statement that comes in the mail so I can accept the offer and have them transfer the Pricipal balance to the Principal account for set off. However, there are violations in the contract that they had me sign and now I am exercising my rights as the Agent on behalf of the Principal account. I have asked for all transactions and all copies of all history of statements, ledger, bills, disclosures and I demanded the account in connection to the credit card that I use for consumer credit transactions. I have had a few goods purchased since the year XXXX. I am in need of all my statements from day one and all contracts and applications, ciontracts, receipts of down payments with Honda Financial Services, They are ignoring my requests which puts them at fault and the burden of proof is on them. 

I also have comprehended that this last transaction on XX/XX/XXXX is also inaccurate and they have violations that needs to be paid to me within 10 days. I also have proven that the contract is null and void due to the contract violations that I have attached herein. 
I demand that HFS and Honda XXXX prove their claim and provide supporting evidence that they did follow the requirements in the law. I can assure you all that the dealership or financial institution factors, requirements, rules, guidelines do not supersede Federal Law. Please have them Prove me wrong. and they must with the help of the CFPB to do as full and thorough investigation and not a lousy incomplete investigation like last time. I do not have time to go back and forth as this is a waste of my valuable time. Help me get this matter resolved and have them issue me a violation check in the amount they are in violation for according to the Law. And I am trying to get this matter handled as quick as possible. DO NOT CLOSE THIS claim without proper due diligence. 
I need all hard copies of my requested items listed above to be mailed to me at my location as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Make sure they send via postal mail and I expect this to all be completed in 10 days or less.
Product: Credit reporting or other personal consumer reports

Transunion has a reported a Bankruptcy on my credit file on XX/XX/XXXX. The date reported was XX/XX/XXXX. I did not authorize transunion to report anything on my credit report. I spoke to XXXX at the Bankruptcy court and she said they do not report Bankruptcies. Transunion allowed a third party to purchase my information without my consent. Under the FCRA TransUnion is not a government entity but a publicly trading company which has no authority to report anything. These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the XXXX and XXXX District Bankruptcy Court of Ohio, they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. XXXX or any other third party has violated my rights under title 15 and others
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been habitually keeping false info on my credit report. There should be no accounts providing serious delinquency. I was recently turned down by XXXX because Experian shows a credit score of XXXX even though equifax shows XXXX and transunion shows XXXX. I have been paying a mortgage for 9 months now with no outstanding debts. Experian needs to get their act together and update my info correctly or I will file a lawsuit against them.
Product: Debt collection

I was harassed by XXXX XXXX XXXX to process payments for my website. I finally sucumbed and signed up, but when I read bad reviews of this company online, I called and asked them to cancel my services. I decided to stick with the company that was processing my payments at the time. I never used them. 


The next document I saw was a bill of {$350.00} for compliance that I never took. They sent my account to collections for the amount of {$350.00}. I never paid for this because I never used their services. Then, I saw a bill of {$1100.00} from Southwest Recovery Services. I was shocked at the amount. I finally decided to check my emails and discovered that Southwest Recovery Services inflated the amount I owed, which was originally {$350.00} to {$1100.00}. 


I filed a dispute with XXXX and XXXX and without investigation ( within one day ), they determined the amount reported was accurate. I submitted overwhelming evidences, showing the original debt from the original creditor and the fraudulently inflated amount I supposedly owed from SRS. As you can see, SRS says in that email that there are no interests charged on this. The payment portal for the original creditor is still opened for me to make payment in the amount of {$350.00}, but SRS would not stop harassing me. I found reviews online of people complaining of the same thing from this company. This company is FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX. 
Our accountant has advised us that this company has really made a huge mistake and should be held responsible. 
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! 
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.
Product: Mortgage

We submitted every requested documents to Select Portfolio Servicing but it seems that they are asking for documents on a piecemeal manner thus prolonging the short sale process. It appears that they are not seeing the urgency on our case as they will just say that they need another 30 days or for every document that they ask and receive from us. We have a very good offer on hand and there's a tendency that the buyer might walk away because of the prolonged process.
Product: Mortgage

PennyMac is overcharging me for my escrow. Pennymac has used Calendar Year XXXX Property Taxes to calculate my annual escrow amounts for XXXX. When using Calendar Year - PennyMac is using two different years- taking amounts from both XXXX and XXXX to calculate my XXXX escrow payments. The XXXX XXXX XXXX says that Mortgage companies typically use fiscal year - and PennyMac has always used Fiscal Year in the past to calculate my escrow amounts. 

My Property Tax is broken into two payments ; For XXXX ( Total Tax = {$3000.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1300.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1600.00} For XXXX ( Total Tax = {$3100.00} ) XX/XX/XXXX XXXX for first half of calendar year XXXX ) = {$1500.00} XXXX  XXXX XXXX for Second half of calendar year XXXX ) = {$1500.00}. 

PennyMac has take the second half of Calendar year XXXX and added it to the first half of XXXX - using two different tax years to calculate my escrow. They are also comparing it to a split XXXX year - and because the town did not split the annual tax proportionally - PennyMac is claiming that my property tax went up {$550.00} dollars - which is not true. The Town Clerk and Treasurer/Collector ( ( XXXX XXXX XXXX Option 2 ) told me they have never seen a mortgage company calculate escrow by bills paid annually rather that Fiscal Year. My property tax only increased by {$80.00}. 

PennyMac is making me pay them {$1200.00} for a {$100.00} dollar annual increase Taxes and insurance. ( They have asked me to make payments of {$670.00} + {$280.00}, along with increasing my monthly escrow/mortgage payment by {$39.00} XXXX {$310.00} ). These additional payments are not justified. 

My property tax did increase between XXXX and XXXX - and I calculate a {$40.00} shortage between what I paid in and what my taxes/insurance actually were. In XXXX, I will be paying into my escrow account {$1100.00} ( {$290.00} XXXX thru XXXX XXXX + {$2700.00} XXXX {$330.00} XXXX thru XXXX XXXX for a total annual escrow balance of {$3800.00}. My XXXX property tax has already been set by the town and it is {$3100.00}. My insurance is {$900.00}. I will be {$150.00} short. 

PennyMac is making me pay {$1200.00}. With the shortages paid {$190.00} XXXX {$40.00} + XXXX ) ... ... PennyMac will be getting an additional {$1000.00} for escrow reserves, which is much more than they need. 

PennyMac is only required to have 2 months in escrow reserves - which comes to {$670.00}.

Therefore, I would like the Escrow Reserve over payment {$400.00} returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX  accounts dated for  XXXX , amounts are {$650.00} & {$450.00}.   -According to a statement dated for  XXXX , mentions that the the original creditor is :  XXXX   XXXX , current creditor is :  Jefferson Capital Systems LLC  and the company who mailed statement is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    -Disputed both debts with  XXXX  on several occasions due to a storm in Alabama that caused overages on cellular devices under both accounts ; also due to power outages.