23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. 

On XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. 

On XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. 
I proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. 
I explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. 
XXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. 
In other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. 
Bottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. 
XXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. 
I would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. 
My opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. 
The Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. 
Following is copy of XXXX XXXX 's letter. 
Thank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. 

About our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. 
You can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. 





Hope this information clarifies everything.
Product: Debt collection

Since XXXX I have been disputing an account on my XXXX credit report that is not mine every other credit reporting agency removed it XXXX won't. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Debt collection

I keep receiving phone calls from a " unknown '' number. I finally answered it today and it was from a credit card that I acknowledge that I owe the balance. The guy on the other end of the line from the bank was very belittling and demeaning to my current situation. I am currently in a wrongful termination suit against my former employer XXXX. The gentleman on the phone was very intrusive as to my personal finances and who was paying my current bills. He wanted to know how I was paying for my cell phone and who was making my car payment. He went on to inquire who was paying my rent. He kept saying I need to get out of bed and be responsible. After repeated comments about me being immature and when I was ready to have an adult conversation he would be willing to help me. I asked how I was being immature and what help he could offer. He said I needed to ask my family and friends. I told him that my family has no been a part of my life for about 10 years ... .the same reason I am in a wrongful termination suit is the same reason my family doesn't associate with me. I told him repeatedly that my family does not associate with me. He continued to say that I needed to ask my family. 
Then he started in that I needed to get odd jobs and get paid " cash under the table. '' I said that is not actually legitimate and stealing from the government ... .to get paid " under the table. '' He said he can't be held responsible for my immoral decisions. I told him that he was encouraging immoral behaviors. To which he responded, " i don't care how you get the money you just need to get us the money! '' The guy got more and more indignant and started to yell. My friends were here and heard how he was talking to me and told me that it was absolutely inappropriate the way he was talking about my situation. After he told me I just needed to pawn everything and make a payment to the bank, I knew I was through and was not listening to him any longer. 
The attitude and the way he demeaned me on the phone was unnecessary. I refuse to be talked to in such a manner. After I just declined to make a payment due to his attitude is when he really went off. He said he would just continue to call me everyday and bug me into making a payment. I can't block the number because they call from " unknown. ''
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent personal information linked to my identity. Without my knowledge or consent, certain accounts and transactions have been falsely attributed to me, causing significant distress. As a victim of identity theft, I have already reported this incident. 

This situation has severely impacted my financial stability and personal reputation. I urgently request your assistance in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over multiple letters to Transunion with the last one being dated XX/XX/XXXX. I have asked that the following inquiries be removed from my report as I have not be provided anything showing I authorized them.

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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.

Past Previous Accounts Opened and Closed Have 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, 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 may make any consumer report containing any o
f the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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: Checking or savings account

On the XXXX of XXXX a friend of mine sent me money through XXXX Which was the amount of XXXX and XXXX dollars making it a total of XXXX dollars I then transferred the money to through XXXX so that the money can be converted to XXXX  for me because Im currently in XXXX and the currency accepted is XXXX  so I had to use my friends account to convert it. 

A week later which was XXXX of XXXX my login got XXXX. I called the bank which is US bank to clarify and I was told my account is being processed for closure. 
So I am very confused on what to do.I guess the bank suspected my transaction as fraudulent but it wasnt And I need my bank account opened to get my tax refund deposited I am ready to verify any suspicious transactions the bank may have suspected I just need my account reinstated back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses, phone number and my name is incorrect on my credit report.
Product: Credit reporting

Lexis Nexis issues : The last week of XXXX, 2015 ; I went online to " opt-out '' of their XXXX products. I followed the insturctions and uploaded the necessary documents. A XXXX letter I received a letter from Lexis Nexis stating I need to upload my documents. I sent an email to them directly ( see attached ) with the document I uploaded. I received a response stating my request has been approved. I sent another email with additional request to FREEZE my XXXX account and to inquire about my PIN number. I have yet to receive a response from Lexis Nexis via mail or EMail.
Product: Checking or savings account

On XXXX, I received documentation from Chime ( banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that possibly indicated an account was opened up in my name. The documentation included a " Welcome to the Chime Family '' note, a tear off portion by XXXX XXXX XXXX  to provide to an employer for direct deposit which included my pre-printed name, the bank name & address, a routing number, and an account number. The documentation also included a debit card associated with the account with my name and the number pre-printed on it. I did not sign up for an account at Chime and believe this is either a sales tactic used by them to try to get me to activate the card ( and subsequently the account number listed ) OR I am the victim of possible identity theft and someone has opened up the account using my information. I reached out to their Customer Service via email numerous times on XXXX in an attempt to verify if this was merely a sales tactic or if there was an account opened up with my information. A Google search indicated numerous people have had this same issue and most have had issues with getting Customer Service to cooperate. Numerous responses by Chime wanted me to log in to the app and use the chat feature ( I'm not a member so I don't have login information for me to do that ) and/or send them a photo of my government-issued id, the last four of my SSN, and a selfie of me holding the government id to verify my identity. I did not provide them this information and notified them the reason ( that I'm not a member [ or if I am, it's not legitimate ] so my information shouldn't be in their system for them to verify my identity ). This correspondence back and forth went nowhere and I still don't have an answer to the simple question - sales tactic or actual account. I've reviewed my credit file and neither Chime nor XXXX XXXX have made any inquiries nor is there an account listed. I've placed a fraud alert on my credit file just in case and will monitor for activity from these companies.
Product: Credit card or prepaid card

The XXXX XXXX card by XXXX and through Bread financial, Comenity Bank is ridiculous. The website tries to get you to make a payment through " Easy Pay ''. However, agreeing to pay via " Easy Pay '' diverts you to a new page that is blank with only a button that reads " Exit ''. When I tried to call the company I had to stay on hold for 20 minutes. Just to pay my bill.
Product: Checking or savings account

I have been trying to get Wells Fargo to comply with the CFPB settlement to fairly compensate customers that had their accounts unlawfully charged for unauthorized services. I can not get Wells Fargo to comply with the terms of the settlement. They do not respond to emails, phone calls, and when I have spoken with someone in the past, they provide mixed information, incorrect information, or tell me " someone will call me back '' -- AND THEY NEVER DO. 
THIS HAS BEEN GOING ON FOR WELL OVER A YEAR! 
I have multiple claims that Wells Fargo has not mediated or taken care of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these claim numbers represent claims for services that Wells Fargo charged my account for THAT I DID NOT AUTHORIZE and when I tried to stop it they would not. thousands of dollars!! I battled with them for a year to stop taking money from my account that I did not authorize. They would not stop the deductions. I had to close my account and open an account elsewhere eventually. In the meantime, the charges unlawfully XXXX my account down to where I could not pay my bills, car payment, and cards -- it affected my credit too. I want them to settle these claims once and for all with me -- XXXX took money they owe me and the interest on the money they took from me is compounding! This has been going on for years and the settlement was agreed to in XXXX XXXX -- 3 years ago. they are playing a game I need help from the CFPB to force XXXX to comply with the Laws and Settlement agreement they agreed to with the CFPB. NOT TAKING THE SETTLEMENT SERIOUSLY!! AT ALL. XXXX is a repeat offender as well according to the settlement! 

I have asked WF ( XXXX " XXXX XXXX '' ) to provide all my records from back to when the charges for were unlawfully stolen from my account. They refused and said they were " not authorized to do that ''. I asked XXXX to provide me with the name of a XXXX ( XXXX XXXX ) that could help me get this mediation completed. Again I was told by " not authorized to do that ''. I was told by XXXX XXXX I needed to speak to a XXXX attorney? But he would not give me the name of the Attorney?? 
XXXX is playing everyone. Deny deny deny. 
What now?
Product: Mortgage

Bank of America, without notice inappropriately paid my real estate taxes and initiated an escrow account for my loan against my requests and demands. I was in the process of appealing the real estate tax assessment ( and was affirmed by the local taxing authority ) when BoA paid the taxes and penalty and interest which I now need to back out and reverse -- costing me hours of time and problems with the city, assessor, and BoA. I have already spent over 7 hours ( mostly on hold with BoA since they won't give me a direct contact ). BoA is hiding behind its vendor, XXXX, which hasn't responded to BoA 's 3 week old request.
Product: Checking or savings account

Truistbank closed my Business Checking Account and Personal Checking Account, according to them it was due to suspected fraudulent activity. But i still don't understand why. I was told to call the Fruad department which i did immediately. I was told a check will be mailed out to me for both accounts. I received a letter from the bank concerning the account closure. Then few days later i received a check for of the account which is for the Business Checking Account. But didn't receive the Check for Personal Checking Account. The Personal Checking Account was the first account to be closed. I reached out to the fraud department and was told the check has been mailed out XXXX XXXX. Few days later i received the bank statement for the Personal Checking Account with a XXXX balance and the statement dated XXXX XXXX. I went to Truistbank bank branch and was told by the manager that the check was mailed out. I didn't receive the check. But i have received letters and statements that were mailed out after the XXXX XXXX when i was told the check was mailed out. I told the bank branch manager that I didnt receive the check, she told me to file for lost check and it will take 90 days and i don't want that either. I then told her to send me the tracking number for the mail when the check was sent out. They refused and same with the fruad department when I called them too.
Product: Credit reporting 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. 

List of Unauthorized Inquiries 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 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: Credit reporting or other personal consumer reports

I have been disputing these fraudulent accounts with TransUnion for over a year, yet they are still on my credit report. This is beyond frustrating. I already filed a police report proving that these accounts were opened without my permission, and I submitted the same evidence to XXXX and XXXX. Unlike TransUnion, both XXXX and XXXX respected my rights and immediately removed these fraudulent accounts. However, TransUnion not only failed to remove them but also reported them without my knowledge or authorization, violating my rights under the Fair Credit Reporting Act. This raises a serious concernwhy is TransUnion treating my credit file differently? If XXXX and XXXX followed the law and acted on the evidence, what justification does TransUnion have for refusing to correct this issue? These accounts are completely inaccurate, yet TransUnion continues to report them ( XXXX with account # XXXX and XXXX with account # XXXX ). This proves that TransUnion is reporting false information, which directly violates 15 USC 1681e ( b ), requiring consumer reporting agencies to maintain maximum possible accuracy. Furthermore, under 15 USC 1681b ( 2 ), a consumer report may only be furnished in accordance with the written instructions of the consumer, and I never gave TransUnion permission to report these accounts. TransUnions failure to ensure accuracy and obtain proper authorization is a clear violation of my federally protected rights. I have no idea what proof TransUnion is using to verify these accounts, but it is clear that TransUnion is ignoring the documented evidence I provided. How much longer do I have to suffer because of TransUnions refusal to correct this error? These false accounts are not only damaging my credit but also preventing me from securing a mortgage, causing unnecessary financial hardship. The stress and frustration from this ongoing violation of my rights are unacceptable. I should not have to continue fighting for something that should have been corrected immediately. Additionally, I demand a proper manual investigationnot an automated response. If these accounts are not immediately deleted, I will have no choice but to pursue legal action under 15 USC 1681n and 15 USC 1681o for willful and negligent noncompliance, seeking full damages for financial and emotional distress. TransUnion has 14 days to respond and confirm the removal of these accounts from my credit report. Additionally, I expect an updated copy of my credit report reflecting these corrections.Furthermore, I have already filed complaints with the FTC Identity Theft division, the FTC Consumer Fraud division, and the New Jersey Attorney Generals office regarding TransUnions continued failure to address this issue. If necessary, I will continue to escalate this matter with additional regulatory agencies and take legal action to enforce my rights.
Product: Mortgage

My mortgage company is Wells Fargo Home Mortgage. I was late in paying my monthly but when I caught up they refused to take my money saying it was n't in the full amount owed. But I kept paying my monthly mortgage. Then I received an letter and later an email asking me to get into a loan modification to pay a lower monthly mortgage, which I denied. Then I received an email congratulating me saying I was accepted in loan modification program. I replied to email stating I never agreed to being in modification program. My monthly mortgage was {$540.00}. I do n't know why they charged me {$1100.00} but when I called to make a payment on XX/XX/2017 this is the amount I was told to pay. I 've called to be switched around to numerous Wells Fargo reps from Escrow to Insurance because this is where the problems lies. I called to make my XX/XX/XXXX payment and now they raised my payments to {$1000.00}. I never received a letter telling me they were raising my monthly payments nor did I agree to this amount. I spoke to a rep on XX/XX/2017 and he stated it was because of my property tax, which is not true because I 'm in the LOOP program for XXXX residents long-time homeowners. Then rep said it was due to homeowners insurance which went up and my prior home owners insurance they paid 3 times within a year depleting my escrow monies. They asked no questions when XXXX kept sending them payments. I was aware I paid a one time fee to an insurance company not recurring bills throughout the year. The rep also stated he could lower my payments to {$890.00} or stretch it out through the 12 months. He also stated I should 've been charged the {$1000.00} on XX/XX/2017. When I called back on XX/XX/2017 I was again switched around to numerous reps, hung-up on but no one was helping my get to a resolution to lower my payments. They kept telling an appraisal would be done on my mortgage in XX/XX/XXXX and my XX/XX/XXXX bill may be lowered. Can you help me with assistance in getting my monthly mortgage lowered or send me to someone who can? Thanking you in advance for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

In XXXX my friend and I had made a deal and he send me XXXX XXXX coin approximately valued at XXXX XXXX He sent it from his binance account to mine but messed up the MEMO order. After seeing I didnt receive this transaction I reached out to Binance.US support and finally after week got a response. Finally they asked for all the details screenshot, and actual videos of me and the sender to prove I was the correct recipient. Finally they told me that the XXXX would be credited to my account! Ive been waiting and waiting and now 1.5 months later and me being unable to get them to reply to any of my messages or emails to figure out whats going on! Please help me Ive filed with SEC, FTC and now here please help me!