23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview Loan Servicing h as failed to provide Requests for Mortgage A ssistance ( RMA ), los s mitigation processes including, but not limited to modifications and has instead chosen to dual track our home. In this instan ce, Bayview and its  employees, Asset  Manager   XXXX   XXXX  and Asset Manager  XXXX   XXXX  knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how  Bayview Loan Servicing an d its employees are to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. Instea d Bayview Loan Servicing and   its employees have  operated in this racketeering business enterprise for profit orchestrated through the Master Servicer   XXXX   XXXX   XXXX .  Bayview Loan Servicing and  its emplo yees, Manager   XXXX   XXXX  and  XXXX   XXXX  have practiced and established and intended to circumvent the rules and law. Specifically, they have been executing foreclosures on behalf  XXXX   XXXX   XXXX  designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their neglect to follow the loss mitigation process and have their employees indicate to us to miss payments. Review of the timeline does not conform with federal and state law. In a scheme to foreclose on our h ome Bayview Loan Servicing e mployees intentionally told us to stop making trial modification payments after we made our third modification payme nt. Bayview Loan Servicing LLC  failed to provide permanent modification documents that were not damaged and delivered late from  XXXX   XXXX  to  XXXX   XXXX . Finally, after making trial modification payments f or nine mon ths, Between  XXXX   XXXX  to  XXXX   XXXX  and the month of  XXXX  we paid at least {$1900.00}. From  XXXX   XXXX  to  XXXX   XXXX  we did n't m ake trial modification payments only after being told multiple times by Bayview Loan Servicing LLC e mployees not to make payments we didnt make payments for the month of  XXXX  and  XXXX   XXXX  . Bayview Loan Servicing then  started foreclosure on our home. We did start making payments again in the month of  XXXX   XXXX .
Product: Bank account or service

I held an account at Bank of America that had no fees. I only use this account to auto-pay my mortgage and a couple of other Bill Pays. I was notified late in the year last year that my account was negative. I immediately got online to see what was going on to find out that my debit card had been compromised. I am to this day not sure how that happened considering the debit card was in my safe at my home & had not been used in over 3 years. Never the less after reviewing my account I realized they had charged me a {$25.00} " account maintenance '' fee. After investigating further I went into a branch to close my account. They told me ( even though I was the ONLY customer in the branch ) it would be in excess of 1 1/2 hours before they could help me & that I could call in to close it. So, I withdrew all of my money and proceeded to call from the parking lot. The phone agent at Bank of America told me that I had entered a branch XX/XX/XXXX and switched my account to a kind that charged a fee. I demanded to know which branch as I had not been in a Bank of America Branch in over 4 years! After putting me on hold for 10 minutes she advised she could not tell me and that the switch looked strange to her. I advised her I had not been in a branch since XX/XX/XXXX and that I have NEVER received any notification via mail or email stating my account was changing. Since this was an account that I only use for XXXX-XXXX transactions a month I never reviewed my online statements which is why I did not demand a refund. I did, however, advise that I would be filing a complaint so that they could not do this to anyone else.
Product: Debt collection

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to : Wakefield & Associates To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { Wakefield & Associate }. I have received a response that clearly violates my rights according to HIPAA. { Wakefield & associate } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { Mercy Health West } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. Wake field and Associate on my XXXX/XXXX/XXXX for {$890.00}. I have no knowledge of this debt and it needs to be removed.
Product: Debt collection

This company is charging too high an interest rate for a {$3500.00} loan that has been paid in monthly payments for {$460.00} since XX/XX/XXXX but I still have to pay back {$5000.00} in XXXX and they will repossess my XXXX XXXX car and keep my car Title at Title Max in XXXX Georgia! XXXX refuses to give me my title back from XXXX Bank! As an XXXX wife of a XXXX  veteran, on Social Security, they did not give me as a senior citizen any help to get my title back even though I have receipts for XXXX  months of payments!
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.
Product: Vehicle loan or lease

My loan is through XXXX XXXX. This is the first action in this process. The truth in lending disclosure that I was provided by the lender discloses a grossly inaccurate XXXX or XXXX XXXX. If the disclosed XXXX is correct then the finance charge is understated ; or if the disclose finance charge is correct then the disclosed XXXX is overstated. The XXXX year XXXX payment loan term began XXXX XXXX XXXX The disclosure lists XXXX at 15.58 %, XXXX XXXX at {$15000.00}, Amount Financed at {$28000.00}, and monthly payments at {$600.00}. When I plug in the numbers I get 9.26 % XXXX. This error is far outside allowable tolerances. If this transaction was closed then the lender committed a crime, and if the transaction has not closed I have been deceived by the lender and I rescind the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to Transunion Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.
Product: Credit reporting or other personal consumer reports

hard inquiries as followed are all FRAUD and i did bot approve any inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My second email below was sent to Elan Financial via postal mail today. It reads as follows : Dear Sir or Madam, On XX/XX/XXXX, I put charged a deposit of {$100.00} on my FidelityRewards VISA ( serviced by Elan Financial ) towards the purchase of a XXXX XXXX XXXX  with a initial contract of {$60000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX contacted me that the price would be in excess of {$96000.00} and offered a full refund. I processed the cancellation order on their website, but have never received the refund of my deposit. 

I earlier contested this charge through Elan and they just sent back the original copy of the contract showing the 3 day right to Cancel in California and my execution of the contract. XXXX made no mention of this 60 % price increase or their offer for me to cancel / receive a refund. Clearly the deposit can not be held by XXXX when they so drastically changed the pricing. 

The employees who originally serviced my accounts are no longer with XXXX and my account on their website has been disabled. I can not retrieve the revised contract. There is no mailing address offered on XXXX website to send formal correspondence. 

I am also contacting the CFPB for 1 ) Elans poor investigation into the matter and 2 ) for XXXX deceptive business practice. I should be able to log into my account and see the correspondence and history of the matter. 



XXXX XXXX Encl : Original Contract Pricing XX/XX/XXXX Emial notification from XXXX notifying of contract price increase and offering deposit refund.
Product: Checking or savings account

SunTrust will not close my account! They keep making excuses that I have to deposit money or that they have to wait for items to clear. I have tried several times asking them to freeze the account, calling over the phone, coming into a branch in person. Even when Im standing here in person with enough cash in hand to bring the balance to XXXX, they refuse to close the account claiming that they cant and asking me to come back tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX XXXX on my credit as four different accounts and I only had one account with them and it should have been removed off my credit, I have contacted them several times and they refuse to remove the fake accounts and even try to charge me, its got to the point its extortion and even gets smart about it, please contact them and tell them to remove the extra accounts and quit trying to extort money
Product: Credit card

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX The information listed below which appears on my credit report is the result of XXXX  COMPANY NAME XXXX XXXX Acct DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY XXXX XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX Company Name XXXX XXXX  XXXX Date Opened XX/XX/XXXX Company XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I deposited two Separate checks. One was in the amount of {$12000.00} and the other was in the amount of {$780.00}. On the receipt I have in hand from Bank of America, it shows my check for {$780.00} will be available on Wednesday,  XX/XX/2020. These checks were from my Insurance Company, XXXX, and made out only in MY NAME. 

The rep XXXX is the one who hung up on me!!! She told me when I asked to speak to a manager, that the bank changed their mind  and are holding all my funds till XXXX. That is outrageous. 

I checked my bank account today to find that my check for {$780.00} is missing. I called BOA and the representative hung up on me. I had asked to speak to a manager to straighten this out. This woman said there was nothing they could do. I said I would report them again and file suit against this bank. You do NOT play with someone's insurance money like this!!! I had a serious issue with my house and I need to pay the company for hauling out the damaged items. 

XXXX is the wonderful rep who is helping me with this. She provided me the name of the prior rep who hung up on me.

I called back and am talking to another rep and I asked her to report the prior rep who hung up on me. YOU DO NOT TREAT A SENIOR LIKE THIS AND LIE TO THEM!!! I am outraged that BOA has people on staff that treat customers like this. I want the public to be aware of this situation with BOA.
Product: Debt collection

This company, named DCI, has reported an account in my name from XXXX, that I do not have a contract with, and I have also never received any communication from them about said debt. They were disputed in XX/XX/2016 and removed by XXXX shortly after during the same month because they could NOT validate. 

They then sold this account to a company named XXXX, who, too, could not communicate with me about origin/validation of this account being connected to my name and social. 

In XX/XX/2016, they re-obtained this account, and have re-reported it to my account, now using a NEW name -- " Diversified Consultants INC '', instead of " DCI '' I have never received a dunning letter/ nor debt validation, describing how my SSN/NAME is connected with this alleged account from XXXX ; I am a XXXX customer. 

If they continue to report or sell it to another agency, I intend to sue due to debt collection violations/company misrepresentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX. 2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX RE : Reinvestigation of Profile Upon Investigation of my consumer report with Equifax Ive come across inaccurate information. In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Personal Information : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX Also Accounts : XXXX Employment History : XXXX XXXX XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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. 

Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank You, XXXX XXXX XXXX.
Product: Checking or savings account

I just had a recent call from XXXX XXXX reps supervisor to call and tell me the samething her rep XXXX told me that when I reported my atm card lost and reported nothing was done in getting the finger pointed back at me telling me bank of America does not care both these women are unprofessional and rude I tried to explain to XXXX that I had tried to report this and nothing was done this is very frustrating that no one from this company takes anything serious I never owned an XXXX and im tired of being called a liar I want a manager to give me a call I 'm going to file more complaints with bbb, and the state of ga bank of America is not doing there job all they want to is call you and blame you and not resolve anything and I will not by no one from this company call me a liar when I reported my XXXX card lost and charges I did not make and I will not tolerate anyone telling me I 'm wrong is when none of this was handled right I do have evidence of me not owning a XXXX and I have other evidence to show what bank of America has n't done to resolve this but instead call me with excuses I want someone in hiring authority to contact me not XXXX nor XXXX, I called about a concern to report a problem and I 'm also going to the branch manager if I have to to get her to contact corp about this, I 'm tired of this and very angry that bank of America only cares about laying the blame on me instead of listening and pointing the finger please have a manager contact me asap thank you, I have never been treated with the disrespect and how someone calls you a liar unacceptable to me
Product: Debt collection

XXXX/2017 Credit Service Company , Inc. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$350.00} Dear Sir/Madam : On XXXX/2017, I received a letter from you attempting to collect on the above referenced debt. 

On XXXX2017, all debts prior to XXXX/17 to XXXX XXXX XXXX XXXX were included in Chapter XXXX bankruptcy, case number XXXX, in U.S. Bankruptcy Court for the District of Colorado. 

I trust that you will update your records to show that this debt has been included in bankruptcy. I also trust you will notify all credit bureaus that this debt was included in bankruptcy, if applicable. 

Enclosed are a copy of my Notice of Bankruptcy Filing and 341 Meeting Notification. For further information, including the accounts listed in my creditor matrix/schedule of creditors please contact the court directly or view in PACER. 

As you know, any attempt to collect on a debt that is under automatic stay is in violation of both the Fair Debt Collection Practices Act and Bankruptcy Protection Law. 

Case number XXXX was discharged on XXXX/17 :  The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. 

Any further contact from you regarding collection of this debt will be brought to the attention of the bankruptcy court as evidence of your violation and I will exercise my right to bring suit against you and recover damages of {$1000.00} or more for each incident, as is my right. 

I thank you in advance for your help in clearing up this matter and I trust that you will not attempt to collect this debt again.
Product: Debt collection

I have been receiving back to back calls and have recently seen a drop in my credit score due to Afni collections. I have been warned not to speak with this company over the phone and to have everything in writing. I do not know what this debt is. I have never received any notices in the mail regarding any outstanding debt. I always pay my bills on time and do not believe this debt is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )