23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been going back and forth with Experian LLC since XXXX XXXX XXXX. Experian deliberately ignores my disputes while using such terms as " WE HAVE NOT TAKEN ANY ACTION ON YOUR ALLEGED REQUEST. '' Who allows disputes to be ignored, why was my dispute ignored? This is a waste of my time and money! Experian does not have the right to ignore my disputes. 

I have officially filed with the CFPB, the XXXX, Experian.com, and forwarded all documents via us mail for a second time. 

This is getting out of hand the consumer is to be protected, not ignored!
Product: Debt collection

Hundreds of dollars of late fees charged by the Toyota Financial Services for my lease. These late charges started when I moved from Texas to California where theres additional tax. This extra tax amount were not informed to my family. Nor were it added to my Auto Pay setting within their system. I did not find out about this until they send an email with reports on my unpaid late fees. Customer service was dismissive when I filed this complaint. This is deceptive and predatory.
Product: Mortgage

XXXX XXXX, XXXX I took out a mortgage XXXX. Less than a month later I was informed the mortgage company was filing bankruptcy. My loan server ( XXXX XXXX continued to automatically with draw my monthly mortgage payments form my banking account. In XXXX XXXX a new lender XXXX XXXX XXXX XXXX ) increased the amount and continued to with draw monthly payments. This continued until XXXX XXXX, when I received a letter from XXXX stating they would no longer be serving my loan. And someone would be contacting me. Months went by, without contact from anyone, yet the auto monthly payments continued. I call XXXX XXXX XXXX and was told I would contacted soon. The contact never happened, so I cancelled the auto payments. 
Four years later, XXXX XXXX I received a letter from XXXX XXXX XXXX. The letter informed that BAC Home Loans Serving LP has been assigned as server as of XXXX XXXX, XXXX. I Later received a letter from Bank of America declaring foreclosure. I contacted them, and reminded them of the lender 's ( XXXX ) bankruptcy.In XXXX XXXX, XXXX & XXXX, XXXX. informed me of a foreclosure sale. BAC offered a mortgage modification, to stop the foreclose sale of my home. I entered into the modification contract and continued to make payments. In XXXX XXXX XXXX records han no deed of trust filed by BAC. I contacted BAC to ask why. BAC responded with a letter. The letter stated the assignment of a new server XXXX effective XXXX XXXX, XXXX. I posed the same question to the new server, regarding the filing of the deed of trust. Their response, was the assignment of a new server XXXX a debt collector/server. When I contacted XXXX, I was told BAC had charged off the loan. Later, I found out that ( BAC ) Bank of America is the parent company of all of the newly assigned servers. As of today, there is no papers Releasing the Original Loan to anyone. No one can show proof reassigning XXXX XXXX XXXX as the server in XXXX, after the dismissal in XXXX. I have paid out over {$54000.00} to these people. The above mentioned have offered no documents of ownership. They have, also filed outstanding debt owed by me with all credit agencies.
Product: Credit card or prepaid card

Greetings, - I had an account with Barclays Credit Card since XX/XX/XXXX and my interest rate has been 22.24 % APR. 
- The account was in very good standing till 3 days ago. 
- I had never received my Barclays Credit Card Statement in mail as I usually do.

- Bank Claims that they mailed it to me ( Their word against my word ).

- I got a call from the Barclays Credit Card requesting a call and that the account was past due. 
- At point I immediately called l to Barclays Credit Card and made the payment XXXX. 
- I looked at the statement and found that I had a Past Due amount of {$65.00} statement ending XX/XX/XXXX - Furthermore, I talked to several people regarding this Interest issue in the chain and they must have updated the entry in the Barclays credit card account I have, and this is what I found. 
- 3 people out of the 4 I talked with XXXX XXXX, Missed the name of the next person and Manager XXXX ( I think that is her name ) all told me that my Barclays Credit Card Interest rate is 22.24 % DAILY. 
- I conformed with each of them and they each said 22.24 % daily. WoW there is a Training gap there. 
- Finally, I got XXXX who is also a manager, said the Barclays Credit Card Interest rate is 22.24 % per year not per day for may account. 
- XXXX was nice and understanding and tried to explain the math to me but still does not make logical sense. 
- I asked XXXX for a written break down and that could not be provided. 
- I understand the late fee, but what dont agree and understand is the Rip Off Interest of {$17.00} for a past due amount of {$65.00} - So, I did some simple math - {$65.00} Past due 30 days 22.24 % APR interest should be 22.24 % / 365 Days = 0.06093151 per day x 30 days = {$1.00} in interest till the next billing cycle - What I fail to understand that Barclays Credit Card charged me Interest on the amount that was waiting to be part of the next months statement still in process for this month. 
- I dont mind paying reasonable interest ( {$1.00} ~ {$3.00} ), but what they charged me {$17.00} - I feel there is some illegal activity going on and needs to be addressed. 
- Barclays Credit Card company can not charge interests on balances that are not come due till the billing cycle. 
- I am planning on paying off the card to avoid asinine, un-regulated and high Dollars in interst - I am requesting a full investigation on this issue and would like a call AFTER  XXXX Pacific Time at XXXX from CFPB and the Barclays Credit Card Thanking you in advance for helping me with this issue. 
Mr. XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information do not belong to me. 

XXXX  account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

XXXX accounts in collections were paid in full, but still showing as open/unpaid on my credit report.
Product: Credit card or prepaid card

THere are charges and fees and interest charges on purchases that have been returned to BEst Buy on my statements. I have complained, faxed, called, written letters and there's no relief.
Product: Checking or savings account

I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.
Product: Payday loan, title loan, or personal loan

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights.
Product: Credit card

I purchased a XXXX  XXXX XXXX sport from XXXX XXXX XXXX XXXX using my Citibank Credit card to pay {$13000.00} of the cost. AT the time for the sale the dealership XXXX XXXX XXXX in XXXX Texas provided me with a bill of sales and a title for the vehicle. I went to register the vehicle in my name and also to get the title of ownership in my name as well and I was told by the Motor Vehicle that the title that the dealer presented to me is not valid it is voided and I can not get a title for the vehicle issue in my name because the title that was sold with the vehicle is the not last title that was issued for the vehicle. I reached out to the state where the title was issued and I was told to contact my attorney general and my bank that I used as payment because the vehicle was sell with a fraudulent Title and the vehicle was not suppose to sold with a voided title. The dealer is not longer in business. I contact Citibank Credit card and they are advising because the vehicle is sold AS IS they can not issue a refund unless I get something in writing from the business stating they are issuing a refund. I explain to Citibank that the AS is only for the mechanical aspect and not the overall sales. I also have previously tried disputing the charges with Citibank and they are not providing any proper resolution. AT the present moment I have a vehicle I purchased for the bulk of the payment of {$13000.00} and I don't have a title to show that I own the vehicle and I can not obtain a title to show that I own the vehicle. The sales with XXXX XXXX was not Valid because they have not provide me with a valid title for the vehicle purchase. As per law I am suppose to get a valid title for the purchase of the vehicle not a voided title. The voided title was not valid for the sale and as of date I can not get a valid title and the dealership is no longer in business so I am left to pay citibank {$13000.00} for an illegal sales.
Product: Debt collection

I had an unpaid water bill from the city of XXXX, Ca., that I was unable to pay d/t losing my job. It went into collections at Credit Bureau Associates. Finally, in XXXX of this year, I was able to pay the XXXX owed. The check XXXX drawn on my account at XXXX XXXX XXXX XXXX was then deposited in the XXXX XXXX XXXX by the XXXX XXXX XXXX., XXXX ACCOUNT #XXXX (no date stamp). The next activity on the check is XXXX XXXX XXXX >XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  After numerous phone calls and emails XXXX XXXX, continues to deny ever getting said check and depositing it. In as such the debt has never been expunged from my credit score and XXXX has investigated 3 times every time to say it has not been paid.
Product: Debt collection

On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX  was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit card

A credit card account went over the balance, I usually keep it high to make it gain interests, after the month 's end, the financial institution ( Banco Popular de Puerto Rico ( BBPR ) ) charged the usual monthly interest rates on the card, it goes over the credit Limit on XX/XX/XXXX, by XX/XX/XXXX XXXX I 've submitted my payment. 

Today XX/XX/XXXX I receive an alert from XXXX that there is a negative report on my XXXX XXXX Credit Report. This financial institution after making my payment on time ( which I make multiple payments a month ) is targeting me from working at a local competitor company by holding my fund on my checking account as well, but I 'm resolving that issue by moving to XXXX XXXX.
Product: Debt collection

XXXX XXXX HOA Board of Directors, located at XXXX XXXX XXXX XXXX, XXXX XXXX, GA is attempting to illegally seize and sell my home. I have been submitted to abusive financial tactics for more than a year after a " common '' pipe break destroyed my home They fixed the leak and settled on a Proof of Loss, but then engaged in collective duplicitous tactics ( as a group ) to delay and block settled funding to restore my home as they are required to do according to the current bylaws. XXXX XXXX, the HOA front office manager and XXXX XXXX, the owner of the HOA insurance company XXXX XXXX XXXX XXXX, were primary in blocking the funds for restoration ; however other members of the HOA were also aware of the continuing theft. A demand letter was sent to one of the HOA attorneys, XXXX XXXX of XXXX XXXX XXXX in XX/XX/year>, but after verbally acknowledging receipt, Attorney XXXX ignored the letter. All of these actions combined have caused extreme financial and medical trauma. I am XXXX yo, and I have had SSDI as my sole income since I was XXXX due to XXXX XXXX. My home is still unlivable, and they have now filed a lien and are trying to force a sale for well below the value of my home. I would like to claim hardship immediately and sell my home at the proper price. These people have been openly XXXX towards me and I'm fairly certain they've used these tactics with other homeowners. The HOA collection attorneys are XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA. I want to move but they are trying to destroy me. Please assist if possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, American Express via XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXXXXXX  you have caused me. My information was also impacted by the Equifax data breach  and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and first progess continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows extremely vague public records ( no details ) that I am unfamiliar with. I understand that as of XXXX 2017 public records are not even supposed to be on credit reports. I contacted TransUnion about this about a week ago and filed a dispute. I recently received an email from TransUnion that the results of their investigation were complete. I called into a representative since I could not log into website and told that the public records were still on my report. I asked why and representative told me that he could " refile my dispute ''. I told him that first of all the information is vague on the public records and is n't true that public records are not even supposed to be on credit reports. The representative agreed with me. So why is it still on my credit report?
Product: Credit reporting

XX/XX/XXXX I lost my job and my wife left me, so I was unable to make all my payments on $ XXXX/week unemployment. XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, refused to accept a short-sale even though I had XXXX offers on my home at the appraised value. XXXX repeatedly and in my opinion intentionally delayed accepting a short-sale until the foreclosure sale date was too close to reverse. ( it was a mess and extremely painful and XXXX ) XXXX also had someone in the wings from Texas ready to purchase it at the foreclosure sale. The whole thing felt underhanded and fraudulent and I 've been the one penalized for the past five years. The house was foreclosed XXXX/XXXX/XXXX. XXXX XXXX continues to report the loan as open on XXXX and Equifax. I have contacted them multiple times in writing to report the account closed. It is STILL reporting as OPEN today when I pulled my credit report on XXXX/XXXX/XXXX. I was denied credit MULTIPLE times over the last several years due too much OPEN debt. I still can not qualify for a car loan or home mortgage. 
XXXX XXXX XXXX XXXX Bank have also reported XXXX loan as XXXX different accounts to the credit agencies. This has also happened to me by XXXX XXXX credit card. Attached are supporting documents and previous letters sent to XXXX Bank.
Product: Credit reporting or other personal consumer reports

I have disputed an account listed on my credit reports for an alledged collection/charge off. The information across all 3 of my credit reports is mismatched to included different dates of first delinquency, some listing late payments on alledged collection account of 120 days, some listing a past due balance as well as a term limit. The information on all 3 reports are inconsistent. I also requested the Meathod if of investigation and any documents used to verify. All 3 just answered with information verified. How can this be when all are reporting different information and dates.
Product: Credit reporting or other personal consumer reports

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am in the process of XXXX, and my loan counts were supposedly updated following the waiver from the XXXX administration. However, only some of the payment counts were updated, while others are languishing with incorrect intelligibility information. I filed multiple complaints with the servicer, FedLoan, and nothing has happened. I have a long list of payments that are labeled as " no bill was due at this period '' except my loans have been on autopay for 7 years. The only time payments were drawn was when FedLoan or previously XXXX withdrew a payment. The discrepancy between current payment counts, and updated counts, would bring me three full years closer to loan forgiveness, which would save my family more than {$25000.00}. I even submitted a FOIA request with the government but never received a reply. I'm at my wit 's end.
Product: Checking or savings account

on XX/XX/XXXX I called the number on the back of my card because my transaction was declined come to find out someone has been using a copy of my card making purchases and taking money out all while I was still using my card on a daily basis. My claim amount and number is # XXXX {$6000.00} the second claim was # XXXX {$1400.00} then I was advised I had nothing to worry about id be given a credit and they would do their research a couple of days later no credits to my account had been applied so I called ad the SPECIALIST that had helped me the first time made a duplicate claim of both claims which got my claim automatically denied because it was as if I was trying to lie my way to get credit. which in itself is not accurate because it was never my mistake then they reopened the claim but I had already had a bad start with there now being 4 multiple claims that I had supposedly filed. they never credited me anything and still deny the fact that they need to refund me the money that was stolen.
Product: Payday loan, title loan, or personal loan

I received an email from this company stating I was denied credit with their company and I did not apply for credit. They had all my personal information and I would like to file a formal complaint.