23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made a {$50000.00} payment on a timely basis, this payment included normal payment of approximately {$3400.00} and the rest was prepayment of principal. This payment showed clearing my bank account before due date of payment. I later received a notice that my payment was late and a late charge of {$110.00}. In looking at my account activity it appears that they applied the entire payment to principal. I called bank to discuss and they could not respond but continue to show late payment. I assume they also reported to credit bureaus a late payment.
Product: Checking or savings account

Bank purposely allowing transactions to go through with insufficient funds to charge overdraft fees.
Product: Vehicle loan or lease

The first problem is the loan is in my Husband name. XXXX XXXX of XXXX XXXX XXXX XXXX, Ohio XXXX. It's with Harley Davidson Financial Services. I turned the motorcycle over to a bike shop to remove the add ons I placed on the bike and per Harley Davidson Financial I advise the bike shop owner to contact XXXX XXXX and get the bike. The XXXX  XXXX is not in my possession and I am still being harassed by Harley. I have given them XXXX number and address and told them to leave me alone. Please make them stop contacting me.
Product: Mortgage

I have Select Portfolio Servicing, inc. as my mortgage company. On XX/XX/XXXX I tried to make a payment online. It didn't go through, there was no notification on my side. I tried 3 different times on Saturday. So on Sunday, XX/XX/XXXX, I tried again so, my payment wouldn't be late or screw up the trial loan modification. The payment on XX/XX/XXXX I have a transaction id number. I do not have a transaction id number for XX/XX/XXXX. I checked my credit union account on XX/XX/XXXX, I found that the mortgage company had taken out 2 payments one on XX/XX/2019 and one on XX/XX/2019. I did get the mortgage company to refund the one payment, but not the extra {$30.00} to cover the payment for propane that I wrote a check for on XX/XX/XXXX. I believe that the mortgage company should pay for the {$30.00} to cover their mistake. I sent 2 different emails to alert the mortgage to this problem. No contact from the mortgage company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : XXXXXXXX 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 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
Product: Debt collection

This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.
Product: Debt collection

XXXX XXXX XXXX is the individual who is representing discover financial services. He works for XXXX XXXX and XXXX XXXX, XXXX. 
XXXX XXXX has submitted information to the court in a court case where discover is suing me for an amount that I have submitted evidence is incorrect. He also claims that his client did not send information that I have received in reference to the allegations I have made against discover financial services. The paperwork that I have submitted is from his client that his client claims they did not send at this point in time. 
This particular XXXX has attempted to extort close to XXXX from me and then admitted to a clerical error. Now its over XXXX I submitted a complaint originally with XXXX in reference to discover and they have falsified information to the CFPB which I will be fine, filing another complaint in reference to that Response from discover financial. 
The fact that discover has sent me this information, enlisted other entities to do the same and yet denies it is consumer to be able to protect themselves. 
Im not sure if council is advising his client to deny, or if the client which is discover financial is merely denying because they dont think they have to own up to what theyve sent which could be considered deceptive practices.
Product: Mortgage

Select Portfolio Servicing put a lender required flood policy on my account and will not remove. I have been actively trying to resolve this issue for one month. I have lived in the home for over 6 years, all with mortgages held by various providers, and have never been required to carry flood insurance. Select Portfolio Serving ordered a Standard Flood Hazard Determination Form what came back with flood zone AE. I provided the same form that was completed 2 months earlier during my refinancing that shows the property in flood zone X and flood insurance not required. The form does note that part of the property is in a flood zone, but all structures are not affected and not in the floodplain. This SFHDF is attached. I call Select Portfolio Serving weekly. I can never get the same person and each time I am told flood insurance is required with no further details. Despite trying to resolve the issue before that date insurance was required, I got nowhere with this company. They put lender flood insurance on my account and will not remove it or provide details as to how they are making this determination. My mortgage is being transferred on XXXX and I would like this resolved before the transfer.
Product: Credit reporting or other personal consumer reports

In my attempts to dispute inaccurate account information from Experian Credit Bureau. I have received no dispute investigations results. Each dispute came back as always accounts " Verified As Accurate ''. In the consumer dispute process, Experian did not conduct a through investigation, in which consumer would not receive any dispute results. You Experian, rountinely accepts the furnishers original response. 

Even, when the response was improbable or logical on its face valve. Or the furnisher is unreliable in disputed information being provided. Due to the recent lawsuit filed against Experian. I insist that you conduct an investigation, as you are required by federal law. 

I explicicity say that you do not accept the findings of the furnisher whom do not provide verified prooof by way of the XXXX computerized form. Sent by you Experian to the furnisher to conduct the investigation as you will be liable. 

This is done by Experian, not submitting the XXXX form. A computerized XXXX stands for automated Cedit Dispute XXXX. Its the process that uses e-oscar system to exchange information between credit reporting agencies ( CRAs ) and data furnishers. 

Experian, I am aware that you do not submit this eletronic form to intiate the investigation process. Which, is to be submitted with the consumer dispute processs. Without this form submitted, eoscar will generate automactically a response to dispute as " As Verified As Accurate ''. 

Thus, no investigation results of the inaccurate negative accounts will be provided to the consumer. I reuest that a Investigation be conducted into the list of inaccurate accounts listed below : Type of Account : Collections : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that as it pertains these federal statues under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i , 15 USC 1681 ( 5 ), AND 15 usc 1681c ( c ). Furthermore, as per Federal Law 605B these accounts be investigated. 

And upon completion of investigation using the required XXXX mandated computerized form process. That these accounts reflect as have been investigated, if not delete all the accounts and provide me with a copy of verification that the XXXX was used. 

If the XXXX, computerized form was not used then the investigations results will returned. As, the standard e-oscar generated response of " Verified As Accurate ''. Which will verify that no investigation was conducted. " I DEMAND TO SEE EVERY DETAILED, STEP OF EACH ITEM ON THE ACCOUNT INVESTIGATED CONCERNING EVERY PIECE OF INFORMATION. if not verified, then delete the accounts from my Experian, credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit report had several inaccuracies including the spelling of my name. I had disputed with Experian a  bankruptcy. Experian said no changes will be made. I notified Experian as asked what  method of verification do this use they advise me XXXX XXXX. My XXXX XXXX report has a freeze for security purposes it’s no way they could have be able to do a accurate investigation concerning my dispute.
Product: Credit card

XX/XX/year>, I complain of child exploitation of birth-given name legal name in company response to application denial by XXXX XXXX XXXX XXXX Thank you for contacting Regulatory Complaints of Bank of America XXXX As your Resolution Specialist I welcome the opportunity to address your concerns.

I am your point of contact until this matter is resolved. 

My direct number is XXXX, extension XXXX, Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 



Please note that we will be providing our response to your concerns by phone, in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number above and I or one of my colleagues will return your call within 48 hours. 





If you have difficulty hearing or speaking on the telephone, we can also connect through XXXX XXXX XXXX at XXXX. 



Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Negative reporting on my credit report Loan number ending in : XXXX I would like to request the late payment reported to my credit report to be removed. I have tried several times to discuss this matter with different representatives at Wells Fargo, all stated that they will send an email to the Complaint division and I should call back. I have been following up for almost 1 month and still can not get a favorable response. 
The vehicle was traded in to the dealership in XXXX XXXX XXXX XXXX XXXX XXXX XXXX they informed me that they would make all payments to Wells Fargo and closed the account. The dealership representative named XXXX contacted Wells Fargo on XX/XX/year>, and notified them that the vehicle was traded in and requested a payoff quote. A pay off quote was provided to XXXX, who then notified the Bank that they will be making the conducting the necessary steps to closed the account as soon as possible. 
As per XXXX XXXX XXXX the Dealership has 10 days to contact the bank or lending institution to request a payoff quote. The payoff quote was requested the same day of the trade in and received that same day. The dealership representative has made other contacts with Wells Fargo Representative after that to request other information to facilitate the trade in and payoff process. The representative at the XXXX XXXX informed me that I would not be responsible for any other payments moving forward. I trusted their word and did not expect this issue to affect me or my credit in any way moving forward. The Bank being fully aware that the vehicle was traded in should have never proceeded to report such damaging and incorrect information even after knowing the true nature of the status of the vehicle. 
I am asking kindly that you review this issue and assist me in removing this negative report from my credit report. This negative report has drastically affected my life, business and other matter that involves using my credit. I have always maintained exemplary credit history and has never had a late payment reported. The Trade in letter and payoff letter from the dealership that was signed in XXXX when the vehicle was traded in and the total amount owed on the vehicle was calculated into the trade in costs, was also sent to Wells Fargo. All outstanding payment owed on the vehicle including XXXX payment was calculated in the payoff quote and emailed as well as faxed over to the dealership on XX/XX/year>. The account was paid off in full and closed on XX/XX/year>. 
Please kindly assist me in resolving this issue by removing the negative reporting that was due to a late payment, not intentionally done by me. Why would I still be still responsible for any payment after the vehicle was traded in at the at the dealership. 
Thank you for your kind attention to this matter. 

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

There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
Product: Money transfer, virtual currency, or money service

I informed them of purchases that were being made while I was actually on my phone. I put in a complaint and nothing was ever done. I had to just change my username all together.
Product: Credit card or prepaid card

I had a Sam 's Store Credit Card issued by Synchrony Bank for several years. I attempted to cancel it last year after not using the card for many months. The Bank ignored my attempts to cancel the card, and I called numerous times and finally reached a Bank person who canceled my account. I received a letter confirming the closed account and XXXX balance in XXXX 2023. However, since then I have received monthly bills assessing late fees and additional interest, as well as weekly letters demanding payment. I have a six page letter documenting all of this. The Bank has not responded. I think this a policy of the Bank to generate more revenue.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep disappointment and frustration regarding the unresolved disputes I have submitted multiple times for inaccuracies on my credit report. 

Despite sending detailed letters outlining the inaccuracies and violations to my consumer report, it has now been over 30 days since my initial dispute submission, and I have yet to receive any response or resolution from your end. 

Attached to this message are copies of all the letters I have sent, clearly documenting the accounts in question and the errors present on my credit report. 

I understand the importance of accurate credit reporting for both consumers and creditors alike. However, the lack of response to my repeated attempts to rectify these errors is not only concerning but also damaging to my financial well-being. 

I kindly request that you prioritize the resolution of these disputes and provide me with a prompt update on the status of each. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am unable to create or access an account with Experian for unknown reasons, which has prevented me from directly disputing this debt through your platform. As a result, I have had to resort to filing this complaint through the CFPB to ensure that Experian receives and addresses my dispute appropriately. I am writing to formally dispute an alleged debt reported by the XXXX XXXX XXXXXXXX in the amount of {$1700.00}, which was unlawfully furnished to your bureau on XX/XX/year>. This alleged debt is not legally valid, as the institution violated numerous consumer protection laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Higher Education Act ( HEA ), and my civil rights. 

The university also failed to follow required procedures in handling my account and improperly reported this debt after I had raised concerns about their conduct. This appears to be a retaliatory action following a formal complaint I filed with the Department of Education earlier this year. Their actions have resulted in significant harm, including a severe drop in my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian immediately investigate this matter and remove the inaccurate and unlawful debt from my credit report. Please contact me if additional information is needed to assist in resolving this dispute. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX  Account # 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: Vehicle loan or lease

A fraudulent auto loan was taken out in my name stemming from my wallet being stolen some years ago. I have yet to have the matter resolved even after sending the credit bureaus and the financing company documentation.The account wasn't paid and is effecting my credit rating. I've suffered damages due to negative and inaccurate reporting and would like this matter to be quickly resolved with Automobile Acceptance and the credit bureaus.
Product: Debt collection

According to Barton Benson Jones, I owed {$330.00} in delinquent HOA fees, {$270.00} in attorney fees and {$200.00} of miscellaneous cost and expenses. 
On XX/XX/year>, I paid them {$620.00} for the {$330.00} in delinquent HOA fees, {$270.00} Attorney fees and they charged me {$10.00} to pay the bill, which is a bit excessive. 
I did not pay the {$200.00} because Barton Benson Jones was not transparent of what the {$200.00} is for. 
On XX/XX/year>, I received an additional bill for {$840.00} and a letter that Barton Benson Jones has unlawfully put a lien on my property for nonpayment of XXXX fees to Hunters Place Homeowners Association. 
The invoice that was sent to me does not even acknowledge that they received any payment from me at all, which is deceitful. 
Barton Benson Jones did not inform me of their dissatisfaction of the payment or give me the opportunity to either dispute or settle the remainder of the bill, prior, placing a lien on my home for foreclosure. 
I do not agree with the additional bill {$840.00} asking for {$450.00} more in attorney fees, because of the {$210.00} ledger fee, which is incorrect.

The {$840.00} also includes a {$44.00} charge for the cost of Collection and an additional {$130.00} cost for sworn statement of satisfaction. 
These charges are unnecessary, and the bill was not in collections because there was no nonpayment. Instead of contacting me about the rest of the bill It as if the {$620.00} was paid to nothing, I am on XXXX XXXX XXXX and I can not afford to give money away to nothing. 

.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XX/XX/XXXX and ends XXXX after the XX/XX/XXXX and late payments were being reported during the covered accommodation period.
Product: Checking or savings account

I had a checking account with PNC bank including a debit card. I noticed a number of fraudulent transactions within days of them appearing on the account and notified the bank. The transactions were clearly fraudulent, including charges like {$600.00} for XXXX   services in XXXX GA as well as XXXX charges around the city. I haven't been to XXXX for more than four years. Payments were made to wireless phone carriers for which I have no account. Nonetheless, the bank denied my claim.