23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have called NewRez LLC multiple times over a miltiple year period to discuss taxes and them not paying our taxes to the county. They've told us they would research it on many occasions. Once in XX/XX/XXXX with my wife, and just recently on XX/XX/XXXX. They informed me the research would take a week, however their system gives me a due date of this XXXX, after my delinquent tax bill gets sent to the state and my house gets put up for auction. This company has negligently handled the property taxes on this property, and have not made disbursements as necessary. My tax bill is {$8000.00} behind, when I am in escrow and have never even been a day late on payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX, companies, XXXXXXXX XXXX Experian XXXX XXXX XXXX date XX/XX/XXXXXXXX  score XXXX. I was denied a loan reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, XXXX XXXX XXXX. XXXX, account number XXXX, credit date XX/XX/XXXX XXXX. Application number XXXX, I was denied the reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high, also it says from XXXX XXXX XXXX date XX/XX/XXXX score XXXX factors limited history for consumer at address, not enough debt experience, too few revolving accounts, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian. XXXX XXXX XXXXXX/XX/XXXX Experian no reason stated XXXX XXXXXXXX XXXX XXXX Experian, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX date XX/XX/XXXX, application number XXXX, was denied a loan reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. XXXX XX/XX/XXXX score XXXX factors limited history for consumer at address, not enough debt experience, too few revolving accounts. 

XX/XX/XXXX XXXX financial services, Experian application number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX credit score application number XXXX. Score XXXX XX/XX/XXXX reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XX/XX/XXXX application number XXXX, XXXXXXXX XXXX  Experian, XXXX XXXX date of score XX/XX/XXXX XXXX credit score. 
reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XXXX, XXXX application number XXXX XXXX XXXXXXXX XXXX XXXX XXXX, reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. Date score XX/XX/XXXX XXXX, reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XX/XX/XXXX XXXX account number XXXX, XXXX XXXX XXXX, date XX/XX/XXXXXXXX  score XXXX reason reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high.
Product: Checking or savings account

My account with BBVA had 4 overdraft fees due to 4 payments return from the same company ( XXXX XXXX ). That was okay, because it was poor planning on my part. Once I saw the mistake, I quickly made deposits to cover the 4 payments and the overdraft fees, because I knew the XXXX XXXX would try to withdraw funds from my account again. 

I quickly made the deposit, and to my surprise, 2 days later I had 6 additional overdraft fees on my account. BBVA bank used deceptive practices to charge me multiple fees. I had sufficient funds on my account, since I made deposits on XX/XX/2019. BBVA charged me the 6 additional fees and return the payments once again to XXXX XXXX. I called the creditor and the creditor told me that they try to withdraw the amounts on XX/XX/2019. I tried to explain to the bank that on XX/XX/2019 I had the available funds on my account to no avail, they did not returned me any of the fees. 

I was upset that I closed my account with BBVA, and told them to my the remaining balance, but guess what? they do not have a option to mail you the balance of the account, so I had to " DONATE '' the remaining balance to the bank. My only option would be for them to mail the balance, since they do not have a physical branch in Massachusetts.
Product: Vehicle loan or lease

on XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.For at least a year, every business day, three times a day I am harassed by phone calls. As of XX/XX/2021 I orally ordered them to cease and desist from all collection activity, only for them to continue to call me and I have proof as shown by exhibit G. They refuse to validate my debt and refuse to cease and desist from all collection activity. I have suffered damages due to the abuse and obscene language spoken verbally to me and via mail. Attached are supporting documents for my claim and all have been notarized, sent and resent via certified mail by the United States Postal Office. I have yet to receive a reply.
Product: Mortgage

My mortgage loan with Select Portfolio Servicing was paid off in XX/XX/XXXX. I recently had the title for my property checked and there was still a lien from them against my property. Unfortunately, the original Beneficial underwriter filed title paperwork for the loan that I declined as well as the loan that I accepted. The loan that I declined never existed. There was never a mortgage and the paperwork was destroyed. I called SPS regarding this issue on XX/XX/XXXX, and sent them a copy of the erroneous title lien the same day. It was uploaded into the account documents that I still had access to despite my account having been closed. I contacted their customer service department and was advised that the request needed to be referred to their reconveyance department for investigation which may take up to 30 days. I advised them to call me if they needed information or documents. I called SPS the week of XX/XX/XXXX and the associate got the impression that they were investigating the lien that was handled correctly despite my calls and the documentation that was sent to them. On XX/XX/XXXX there was a document added to my account that they were investigating my case with a new 30-day timeframe. This is unacceptable. I have a pending loan and this impacts a potential professional opportunity for my ex-spouse as his name is listed on the title as well. I have requested to speak to the reconveyance department and they do not accept incoming calls and I have not received a call from them. I need to have the lien against my property removed. There was never a loan for the corresponding lien.
Product: Credit card

I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.
Product: Credit card

I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.
Product: Debt collection

I made a purchase on PayPal using the 4 pay plan where I would make 4 payments on a purchase over a specified time frame. I ordered I item from a vendor, however PayPal duplicated the order twice, however the vendor confirmed I only placed for one item, not three items. PayPal is now attempting to charge me late fees on the two additional purchases they fraudulently added to my order with the vendor. Ive communicated with PayPal more than several times and over a month has passed without any corrections made to my account. I filed a dispute with my bank and they stopped Paypay from taking out automatic payments. I have paid in full for the one item that I did in fact order, however PayPal can not seem to to correct the issue on their end and can not explain to me how my order was duplicated twice. I keep getting late charges on items that I never purchased. I would appreciate assistance to resolve this matter that of no fault of mine.
Product: Debt collection

I have been fighting reporting on my credit bureau for more than 5 years. I have explained I have no knowledge of this debt over and over again for them to remove the debt and then they sell it to someone else who then trys to collect all over again. The information I know is only due to the many times this has been attempted collection. In the state of Florida, this debt ( for whomever the owner is ) has far passed the statute of limitations and should be removed as uncollectable.
Product: Credit card or prepaid card

on XX/XX/2020 there was a direct deposit funds transfered to a checking/savings account that was not mine in the amount of {$3000.00} bOFa sent me a new card but never refunded my money and i guess they denied my claim, also again on XX/XX/2020 another direct deposit funds transfer to another or same checking/savings account in which bOFA said they were removing that unknown linked account this time the amount was for {$160.00} and again on XX/XX/2020 in the amount of {$400.00} i filed claims for each of these transactions and bofa has said nothing in reguards and they have not refunded or giving me any updates
Product: Debt collection

I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from Scott & Associates informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now Scott & Associates are trying to collect and sue me for something I have no knowing of. Scott & Associates is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

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  Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.
Product: Credit card

I have been a card member for almost 20 years of American Express. In XXXX 2023 I requested a heads start miles advance on two American Express Delta cards that I have. One a Delta Reserve and the Other a Delta Platinum. Both Amex cards. These advance skymiles were to be paid back over the next 6 month period initiated by Amex. Over the course of the 6 months I noticed that Amex did not take all the points that were advanced to me and made XXXX aware as I did not want any issues in being charged back for the miles borrowed and not repaid. This is at which time I was told by a Amex representative that unfortunately the balance of the miles needing to be repaid had to be earned specifically and paid back by each card and couldnt be used in combination. So even though I had more than enough delta sky miles to pay Amex back from purchases on there cards they would not take my miles from a combination of both cards. This is a matter of pure semantics. No consumer would know that they had to use a specific american express card to pay back miles to a specific card only for specifically the amount borrowed on that one card. They are BOTH AMERICAN EXPRESS DELTA CARDS. Money spent on American express, the same card issuer with the same partner XXXX. Now they want to charge me over {$3800.00} to repay them for miles that have been in my account for 6 months, available to them to withdraw, and further will not allow me to dispute the charge. This should not be legal and frivolous acts by creditor. They are saying I owe them approx XXXX miles when I have had over XXXX miles in my account available for withdraw within the 6 month payback period. I have called in at least 6 times on record to escalate the matter to executive office of which there is zero phone number they will give you to handle such matters and totally unacceptable. I will also be reporting this to the banking commission. I spend a XXXX  XXXX dollars a year on my American express cards and this is absurd the amount of time this has taken me to get this situation resolved.
Product: Credit reporting or other personal consumer reports

Following my last complaint with you guys and US Bank, they sent me a note informing me that they would not be sending me the applications for my credit cards that were involved with the fraud and that Id have to get a judge subpoena for it. This whole time Ive asked for the information in regards to how they came to their conclusions, some documents pertaining to the investigation and then applications and transactions with the cards and questions. Ive received some statements, but they arent duplicate copies and Im suspicious of them anyhow because the logos look funny the margins dont line up all the way and Im getting notifications on my computer that the spreadsheets that they gave me for tax time Are being edited. I would never edit all transactions that I have to report to the IRS so either they got something to do with it or Im just got one hell over hacker on my computer that just wants to win. Please see the attached documents.

So let me just get a checklist here, youve admitted that theres been fraud on my account including my debit card, but you havent taken any action to find out who it is and it continued to happen on the XXXX and the XXXX or whatever it was. You report to the agencies that the accounts are closed, but theyre really not there. What you say are there in the process but the process has been lasting longer than 10 days the investigations are still going on and youre still making changes as we speak.. fin records are being edited and not furnished in relation to my identity theft. Do anything about this or are we just gon na keep playing the circle jerk? 

I came up underneath bridges and in drug houses. I know scammers and I know liars and I know cheats please if youre gon na try to play games with me and lie and scheme. Im gon na be all over it.. I could smell that stuff a mile away. Youre lying techniques and manipulation techniques are extremely juvenile and elementary. The problem is you guys have become your money and youve put the doing the right thing right behind your own personal pride and greed. dont ever ever ever talk to me about leadership dignity respect and heres a good one integrity
Product: Checking or savings account

I have opened an account in XX/XX/XXXX acting on solicitation from the BMO Harris bank promising {$200.00} opening bonus. The account was opened in the XXXX XXXX, IL branch and when I was asked by the banker for my profession I declared to be self-employed and getting paid by assignments ( copy writing, translation ) etc. 
Subsequently I have received two direct deposits ( XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX with another one coming this week ) and when I again inquired at the branch I was told that the qualifications were met and the opening bonus will post in XX/XX/XXXX. Last week I called and I was told by BMO Harris employee that the bonus will not be paid since the direct deposit were not payroll or other govt benefits. 
Questions : 1 ) since I am self-employed and getting paid on assignment base why was the mailing directed at me since I wouldn't have qualified, according to BMO 's own opinion on the offer? 
2 ) why the employee at the branch have accepted the offer and reiterated its validity to my situation and why was I informed that the bonus will be paid in XX/XX/XXXX? 

It is apparent that despite meeting the monetary threshold of the direct deposit ( {$300.00} ) the bank doesn't want to honor its own offer suggesting that my deposit wouldn't qualify anyway. It is not only a circular logic argument but it is deceptive with intention to deceive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref account number XXXX XXXX XXXX. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late XXXX and XXXX XXXX 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. Equifax continues to publish this report, with zero effective investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " XXXX, XXXX, and TransUnion, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with XXXX where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' XXXX has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' TransUnion and XXXX are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, TransUnion and XXXX should update my credit report in their system with that of my credit report with XXXX. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Product: Student loan

I am still being harassed by Navient. I left a reply to the message that they sent to me with XXXX. I told them in the XXXX reply that I would mail in the payment. I got a call and told the collector on the phone I mailed in the payment. They took away my forbearance, that they set up so that I could skip a payment. Now, calling my house XXXX times a day and on Sunday. 
I have contacted the Omnibudsman and left a plea for help. They cut off my auto pay XXXX times an then when I tried to set up the payment a XXXX time, the collector " accidently ' keyed in the wrong account number. 
They will not let me go into the website and make a XXXX time payment. I keep getting collectors with the wrong information and they do not seem to know what is going on. I am not receiving correct information, I have stopped trying to answer my phone and put my loan on auto pay. 
I am being charged interest on being late, so that they can make more money.
Product: Credit reporting or other personal consumer reports

I applied to XXXX for a personal loan as well as went through the website Credible.com and applied for a personal loan. They reported back to me saying my XXXX XXXX was way below what XXXX told me it was. My XXXX XXXX with XXXX at that time was XXXX. But these companies reported my score which they obtain through XXXX way lower than my actual XXXX XXXX which has hurt my credit with inquiries as well as me not being able to apply for any new credit to pay my bills. Credible stated that my XXXX XXXX was a XXXX pulled on XX/XX/2025 through XXXX. 

XXXX reports that my XXXX XXXX is XXXX reported on XX/XX/2025. 

Both are not true as I've spoken with XXXX, but it's still being reported tlby XXXX these scores to these companies. I have the documents.