23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After completing an assumption with Bank of America, the bank has not provided me with any documentation stating that the assumption was approved. In addition, they have removed my online access to the account. I now have don't have access to view my account online, make payments online, or view how the payments are being distributed ( escrow, taxes, principles ). I have called Bank of America several times regarding this issue and they have not been able to explain why I've been blocked for viewing my account online. Some of the representatives have implied that I because of the assumption I will never again have access to the account online. This seems strange, is 2021 and bank of america is stating i will not be able to make payments online or view the account online. Furthermore, they have not mailed me any information regarding my mortgage or making payments. I feel Bank of America is threatening me with taking my house away and possibly foreclosing with no reason ( My mortgage is current and I've made payments on time for over five years ).
Product: Bank account or service

In early XXXX 2016, I sold a XXXX XXXX handbag through eBay to XXXX XXXX. The handbag was listed with photos and a description from XXXX XXXX and was final sale. XXXX XXXX requested a refund through eBay on XXXX/XXXX/16 -- a full 17-days after the bag was delivered -- stating that it was defective and " missing pieces '' because it did not have a magnetic clasp. The photos in the listing show that the bag has a zippered clasp, not magnetic ; as such, I explained that the item is not defective. I requested for eBay to intervene -- they have a 30-day money back guarantee for buyers if an item is not as described -- and they closed the case in my favor. 
On XXXX/XXXX/16, PayPal contacted me stating that XXXX XXXX had opened another claim, again alleging that the item was " damaged or defective '' and/or " not as described. '' For a second time, I uploaded the information supplied to eBay to PayPal. On XXXX/XXXX/16, PayPal closed the case, ruling that I did not follow their seller policy for protection. XXXX XXXX has retained the handbag and I was assessed the original purchase price of {$390.00} plus a fee for the dispute of approximately {$30.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY update/correct the account as soon as possible.XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agencies are reporting inaccurate incorrect information in my credit report without my authorization.
Product: Debt collection

This account was a included in my bankrupcy dated XX/XX/2016. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.
Product: Debt collection

I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Please update this account to paying as agreed never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT FTC case XXXX & Equifax data breach. Unable to conect by phone on XX/XX/2020 I emailed XXXX REQUESTING XXXX ACCESS TO NO AVAIL. XX/XX/2020 equifax emailed me my dispute was completed to go on line for results. My complaint is that equifax is NOT ACCESSIBLE TO ME WITH MY XXXX XXXX   XXXX. My XXXX  can not press the exact right spot to NOT BE A ROBOT. SO CALL ME A ROBOT! I am unable to set up password also. NO EQUIFAX SCREENREADER OR VERBAL SPEAK PROMPS WHEN OUTSIDE APP NO SET UP ACCESS. Password requires a special sign, upper case, lower case, number MY XXXX  CAN NOT DO THIS PHYSICALLY. ( EQUIFAX IS NOT XXXX ACCESSIBLE. ) I am a victim FTC case XXXX Ideninty Theft XXXX XXXX year old Targeted Consumer with NO ACCESS AND I AM DENIED WHAT THE REST OF THE WORLD IS PROVIDED DUE TO MY XXXX.
Product: Checking or savings account

I was at capital 1 banks atm I deposited {$2000.00} in all XXXX. The atm asked if I wanted to do something else I said yes and put in another {$1100.00} in all XXXX and the atm stopped working. None of of the deposits registered. I tried to tell them in the bank they wouldnt open the door. I called immediately. They told me no worries. I woke up a week later to emails thats none of my bills were paid. I call capital 1 everyday and all they do is read from books.
Product: Credit card

I received a letter in the mail from Chase Bank requesting more information for the credit card that I supposedly applied for. This account was opened on XX/XX/XXXX by somebody.
Product: Credit card or prepaid card

I opened a secured credit card for {$1500.00} in XXXX at Navy Federal Credit Union by choice. I qualified for a unsecured card but chose to get a secured credit card. On or about XX/XX/XXXX I got XXXXXXXX XXXX XXXX XXXX XXXX and has been XXXX  since. I was in good standing with my card then which was secured by my checking and savings accounts. 
Someone began using my card without my permission and Navy Federal switched my card from secured to unsecured and increased the amount to {$2000.00} without my consent. The card was maxed out and left unpaid. Navy Federal then put it on my credit report and that's how I found out.

I contacted Navy Federal and told them I dispute it bc I never consented to switching to unsecured nor a limit increase. Navy Federal said it was in my terms and conditions when I got the card. I disagreed and asked for a copy of the term and agreements. Navy Federal has failed to produce such. Instead it has continued to make a false reporting.

I also asked for a audit of my account to see if Navy Federal did a tax write-off on my account but Navy has failed to respond. I also asked for proof, date, when Navy released my security {$1500.00} back to my account and was not given such. Therefore, I can not be held responsible for anything done after {$1500.00} or after I was XXXX  on XXXX XXXX. There should have never been a balance increase to {$2000.00} Navy Federal has violated several FCRA laws. 
The forcing of me from a secured credit card to a unsecured credit card is against the law. Those are two different contracts with different rates, restrictions, and etc. Just like the stuff XXXX XXXX did. 
This must stop.
Product: Credit reporting or other personal consumer reports

XXXX Mailed a certified letter with Domestic Return Receipt to Experian. Experian sent an email stating that my Dispute was finished and to look online for the result. When I looked online the site said that the results were unavailable. I called and the report transferred me to the Fraud Department but they hung up on me twice. 

Experian is committing IDENTITY THEFT according to the definition in 12 CFR 1022.3 Definitions - ( h ) Identity Theft means a fraud committed or attempted using the identifying information of another person without authority. In accordance to 15 USC 1681b - Permissible purposes of consumers reports ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. Experian DO NOT HAVE MY WRITTEN INSTRUCTIONS to report the Hard Inquiries in question. As a matter of fact on XX/XX/XXXXI sent an Affidavit of Intent to Opt-Out of Experian. 

Without my WRITTEN INSTRUCTIONS Experian is committing IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a fraudulent bankruptcy filing under US BKPT CT CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. 

Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases and I've attached that proof to this complaint as well. 

I've even went a step further and reached out to the US Bankruptcy Court in XXXX CA and upon calling the court they don't provide information to third parties nor do they verify any information what so ever which clearly proves that Experian has lied and been negligent in posting unverified information from the original furnisher which is the US Courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that JPMCB have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested JPMCB and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b )  for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX account that has been paid off for over 7 years. I need them to remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX XXXX XXXX XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.
Product: Debt collection

On XX/XX/XXXX I received a robo-call from Revenue Group of XXXX Ohio. As I have no accounts in collections and an excellent credit score, I returned the call to inquire what it was in regards to and ensure no liability. I reached a man on the phone, I'm unsure if he told me his name, and he recited the standard 'attempt to collect a debt ' speech. After verifying my information ( I've since remarried but didn't give him my new name, I did provide him an updated address for mailing purposes ), he informed me the debt was for XXXX XXXX from XXXX for {$120.00}. I informed him that 10 years have passed on the debt, if I even owed it but I certainly can't remember a medical bill from that long ago, but regardless it wasn't collectable.

He INSISTED that medical debt in Ohio was collectable for 25 years and that I would be sued over this debt, which I know not to be true. 

I requested debt validation to show me a copy of an original contract or some other information proving that I owe a debt, and that all future contact should be via mail only, at which point he hung up on me.
Product: Mortgage

An attorney named XXXX XXXX XXXX took XXXX $ cash money from me and XXXX $ from my mother - she has my original deeds, documents and more and refuses to give them back. XXXX has not given me proper legal representation which has resulted in a myriad of legal and financial and family problems- I have been taken advantage of and my ex husband as well as the city of XXXX Ky stand to gain a huge amount of money from me by fraud. The mortgage company XXXX - DBA Mr Cooper has tried to foreclose more approx 4 times. Im positive the mortgage has been satisfied and there is money due me from equity paid in - I believe it is in the title companies name and I want my money back ASAP.
Product: Credit card

I make my credit card payments on time and every month I get an email saying the payment is overdue and late fees have been assessed. Because I cant make payments through app or their website ( which I have repeatedly asked them to fix ), I pay directly from my bank account. Not only does my bank show they are receiving the payments, but they arent removing late fees or accrued interest fees once they credit payment. At this point, I believe at least a majority of the balance is fees because they didnt do correct accounting and are maliciously charging additional fees. Plus, I have rewards of over {$200.00} that Im not allowed to apply to the balance or collect. Up until XX/XX/2023, I was unemployed and awaiting an answer from social security. I was granted XXXX and I feel like what they are doing is hurting a XXXX person.
Product: Vehicle loan or lease

I paid off lease # XXXX for purchase in the Name of XXXX XXXX  on XX/XX/XXXX. The Lease is through GM Financial. The Lease was for a XX/XX/XXXXXX/XX/XXXX serial # XXXX. This was a lease in my mother 's name. As she entered a XXXX XXXX and we rearranged her finances, I decided to pay off her lease and purchase the car for my own use. Since the payoff I have repeatedly attempted to obtain a title. To date I have faxed the odometer statement and titling instructions a total of 4 times and to 2 different # 's supplied to me by GM Financial Representatives. I call weekly and every week there is a new excuse. First they don't have a fax, then they have the faxed odometer statement, but not the titling instructions. Both documents have been included in all of the faxes sent, and I verbally communicated and faxed ( 4th fax of the same docs. ) titling instructions on XX/XX/XXXX. It is now XX/XX/XXXX and I am on hold again after insisting that I speak to a supervisor and faxing the same documents to her direct fax line. This is my 5th Fax transmission all from a business fax line that sends as many as 100 faxes/day. She has purportedly called the Titling department to and passed the documents to them. However she has informed me there will be a 3-5 day delay for " processing '' : I feel at this point, that this is a pattern of behavior with the objective of holding the title after receipt of the payoff in order to make the asset side of their balance sheet reflect a more positive number. When one works the numbers conservatively, if GM Financial is successful in holding titles for 25,000 units at an average payoff amount of $ XXXX for 30 days it is a $ XXXX addition to the asset side of the balance sheet. This is called working the " Float '' and GM Financial appears to have it down to a science.

The length of the title transfer process of GM Financial needs to be looked into by the the CFPB and punitive actions should be taken.
Product: Credit reporting or other personal consumer reports

RADIUS GLOBAL SOLUTIONS 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion reporting inquiries on my credit report and collection that is not accurate I requested the inquiries and collection be removed according to .Obligations of Credit Reporting Agencies ( 15 U.S.C . 1681e ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report and are required to correct or delete inaccurate, incomplete, or unverifiable information when a consumer disputes it. As well according to 15 USC 1692f Unfair Practices. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt
Product: Credit card or prepaid card

My name is XXXX XXXX and I am writing a complaint about Barclays XXXX   Rewards Card ending in XXXX.

OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX  was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX  arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX   continued to argue the point that they have a right, therefore, I hung up.

I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXX 2 ) Pentagon Federal Credit Union 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX