23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

GMAC Mortgage company is reporting a bankruptcy write off in XXXX, XXXX. The bankruptcy was filed in XXXX XXXX, discharged in XXXX XXXX and paid in full in XXXX XXXX. GMAC sold the mortgage in XXXX XXXX and was not even a party in the discharge. XXXX XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XXXX XXXX.
Product: Credit reporting

I sent a letter to all XXXX credit bureaus and called the State tax office as well. I was only in XXXX from XXXX and did not work during that time, or own property. I was never in XXXX in XXXX when the lien was filed and this error has affected my credit and only recently was I made aware this lien ever existed.All XXXX credit bureaus are reporting this misinformation. 
Source : XXXXDate Reported : XXXX/XXXX/XXXXDocket # XXXXCourt Type Recorder of DeedsRecord Type State Tax LienECOA JAmount $ XXXXThis information is also false. I was very ill and on XXXX during this time.and evidenced in XXXX hearing in XXXX of XXXXSource XXXXDate Reported XXXX/XXXX/XXXXDocket # XXXXCourt Type : XXXX XXXX Type Civil JudgementECOA IAmount $ XXXXPlaintiff/Attorney MedicalXXXXofXXXXXXXX/XXXX/XXXX claimed to be verified XXXX/XXXX/XXXXDIV ADJ SERVBalance $ XXXXMedical
Product: Checking or savings account

Wednesday XX/XX/XXXX, I was updating my phone number in Chime app, suddenly they closed my account. And they sent me an email asking me to prove my identity. I sent to them all the informations they asked. Since then, They don't reply anymore to my emails 4 days already. 10 emails I sent but no answer. I try to reach them by their phone number and Fax no success, no response from them. They don't want to communicate with me. Chime is my only bank. Now, I can't buy food, pay bills, buy gas, I didn't go to work for 3 days. My mom is really sick in XXXX I can't help her. I can't do anything. All my funds it's locked. about {$2000.00} and some dollars. I'm in troubles. I want my money
Product: Credit card or prepaid card

On XX/XX/2022 I sent out a formal letter to the CEO of the company informing them of the XXXX laws and United States Codes to give me a conditional acceptance of credit to my account with an explanatory statement which they have received it on XX/XX/2022. Now here 's what I don't understand. I was given the CONDITIONAL CREDIT FOR PAYMENT in the amount of {$7800.00} through their dispute department which I've received an email stating that it was credited for that amount but for some strange reason the company reverse the payment back to it's original amount. Secondly, I also ask for their XXXX to stay in compliance with the IRS but they refused by stating that there supervisor are not aware of the XXXX. Now I specifically, stated I was instructed to do so and must clearly notify the addressed entity that : The IRS requires you to furnish your TIN and that failure to furnish such TIN subjects to penalties and fines imposed by the IRS. And on top of that their representative made a claim stating that they previously reached out to me about the {$7800.00} but I did not respond back and since they so-called haven't heard from me they to start a new investigation that they had. Unfortunately, they couldn't find the payment which is completely false. If they did not get the payment then why was the account credited in the amount of {$7800.00}? Thirdly, I did not get any notification from them through email or by mail at all that completely false because I check my emails and mail daily. lastly, CITI Bank Corp has violated my rights under UCC 3-603. TENDER OF PAYMENT, XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, XXXX. NEGOTIABLE INSTRUMENT, XXXX. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, XXXX. Performance or Acceptance Under Reservation of Rights, 15 U.S. Code 1666b - Timing of payments. Claim : Claimant is forced to use the compelled benefit of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to XXXX XXXX ( all debts are the obligation of the United States, Inc. The contract signed with your company was done fraudulently ; a ). There was no FULL DISCLOSURE ( I was not told that I was creating credit with my wet ink signature ; b ). There is no EQUAL CONSIDERATION ( Your company brought nothing of value to the table so have I nothing to lose ; c ). LAWFUL TERMS AND CONDITIONS are based on fraud ; d ). There is only XXXX WET INK SIGNATURE when there needs to be XXXX signatures ( a corporation can not sign a contract because they are soul-less entities and no third party can sign for a corporation ). 

NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; Notice to Respondeat Inferior is Notice to XXXX XXXX Notice to XXXX XXXX is Notice to XXXX XXXX
Product: Bank account or service

BREACH OF CONTRACT and DECEPTIVE BUSINESS PRACTICES BY BANK OF AMERICA. When I opened a Small Business Checking account with BA, I was advised that as long as I make commercial purchases with my ATM VISA card, there would be NO monthly charges applied to my Business Checking account. Basicaly I was promissed a total FREE SMALL BUSINESS CHECKING. Subsequently, I noticed on my statements that despite the above promiss of a FREE CHECKING ACCOUNT, the Bank began to charge me a {$16.00} monthly service charge despite the fact that I was using my VISA Business Debit Card to make purchases. When I bought this matter to the attention of the XXXX XXXX Branch manager, she apologized and refunded all the $ XXXX-charges. Despite the corective action taken by the branch manager, a few months later Bank of America again started to reinstate the $ XXXX-monthly charges, in violation of the Agreement and they have been illegally ading the $ XXXX-monthly service charge for the past 5-months. In fact they did the same deceptive practice with my personal checking by charging me {$3.00} monthly fee for Check Image service, despite the fact that I have signed up for paperless account service. When I complained to customer service, again they apologized and refunded the illegal service charges. The actions I just described above is a CONSISTENT PATERN OF FRAUDULENT AND DECEPTIVE BUSINESS PRACTICES and BREACH OF CONTRACT by WILLFULL MISCONDUCT by BANK OF AMERICAN INC.
Product: Credit card or prepaid card

I received, over the course of several months, several promotional pieces of mail from XXXX XXXX advertising a signing bonus with an American Express XXXX XXXX card that promised " XXXX ( to XXXX ) bonus miles '' after spending " {$2000.00} in the first three months '' of the card opening. I met the spending requirements for the signing bonus but did not receive the promotional offer as advertised. I inquired with American Express when I will be receiving them and they informed me that because I obtained the signing bonus in 2019 that I wouldn't be eligible for them again. At no point did either company make it clear that I wouldn't be eligible for the signing bonus albeit repeatedly sending me the offer in the mail to entice me to apply for their credit card anyway.
Product: Debt collection

I have received repeated calls from XXXX XXXX and a XXXX XXXX. I returned the call after several empty threats that I would be arrested if I did not reply by a certain date, one was to reply by XX/XX/XXXX and then more calls were received that I had to respond by XX/XX/XXXX. The  date kept moving, I had not received anything via mail and I finally had enough and called back on XX/XX/XXXX and I left a message they needed to tell me what this was about. the next day I received another call with more threats, and then it escalated on XX/XX/XXXX when he started calling me at work. I told him that was my work and he could not contact me there. He kept calling back, I told him again to not call me at that number and he kept calling. I finally told my co-workers to hang up, and he kept calling. Finally I went to my manager and asked him to take the call and he got on the line, told XXXX XXXX that he was not to call there and then XXXX XXXX started cussing at my manager and threated him, he told him that he could not protect me, called him derogative names, and threated to call back every minute all day long to tie up the work phones. I received another voice mail at XXXX XXXX on XX/XX/XXXX that " you do n't act in that manner to a business matter and should grow up ''. I received another call from an unfamiliar number the other day so I called back - I got a recording that it was XXXX XXXX so I hung up. Now the calls and threats have started again. I have the voice mails saved if you need proof, and my manager will testify to the threats received at my workplace if necessary
Product: Credit card or prepaid card

Bank of America is denying my use of credit for internet purchases. My  credit score  is   XXXX .  On   XX/XX/XXXX  B  ank of America called and told me a fraudulent overseas purchase was made. Reference  XXXX  for   {$75.00}. My account was credited. I then discovered another fraudulent charge on    XX/XX/XXXX    reference  XXXX  for {$11.00} for  XXXX . I never used  XXXX . My account was credited. Since    XX/XX/XXXX , I    have been unable to make internet purchases. M y   XXXX   XXXX   was cance lled and my internet was almost cancelled. I called Bank of America  10 times and was told falsely that it was the merchant and not Bank of America. I was issue  d 4 new c redit cards because Bank of America could not competently resolve the issue. I then received a letter o n  XX/XX/XXXX  fro m  XXXX   XXXX  phone number  XXXX  ext.  XXXX  and she admitted that Bank of America was denying me credit. " Due to an inadvertent error, instead of the stop pay only being submitted for the  XXXX  merchant, it was submitted for the majority of internet merchants. Therefore, Bank of America never received these authorizations fro m   XXXX   to app rove them. '' On    XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX   ,  XXXX  refused and denied my internet purchase.  XXXX   XXXX  from Bank of America refuses to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed The Company Bridgecrest on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$7400.00} Accounts : XXXX XXXX XXXX - XXXX {$9600.00} XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Product: Credit card or prepaid card

I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On XX/XX/XXXX thieves made online purchases on Walmart AR ( I live in XXXX XXXX ). I was notified 2 later and immediately disputed the charges. Of the charges, {$300.00} were effectively charged to my card and another {$300.00} were declined due to being over the card 's limit. After spending around 1h speaking to a non-native XXXX-speaking representative ( " fraud department specialist '' ) I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made. I had another over-one-hour call with another non-native XXXX speaking " fraud specialist '', who was not familiar with the USA legal system and encouraged me to seek law enforcement. My card statement changed in front of me, on my computer screen, as they proceeded to lie, saying everything was taken care of. Another charge was done a few days later. Another hour on the phone. After that Walmart made what looked like two credits to my account and several days later Capital one charged me with {$300.00} as billing adjustment. After so many charges, credits, adjustments, letters with discrepant numbers, I have no trust that my actual balance is accurate. Capital One only reacts to legal threats. Their consumer review is the worst in the scale, by thousands of customers. I took time analyzing them and Capital One actually infringed the law with several of them. Finally, they lost my card on the mail and were going to charge me for a third card. Had I not reminded them that that, too, would be illegal, to which they responded that they would not charge me anything, I am sure I would. In terms of billable hours, they owe me at least {$1500.00}. However, they have caused serious damage : I have XXXX. I had to be medicated because of the pain caused by the bad connection. I have filed a XXXX complaint but havent heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, transunion, XXXX, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.
Product: Mortgage

Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application information.
Product: Mortgage

XX/XX/2023 CFPB I have worked for and received XXXX mortgage modifications and was told each time that I would get new mortgage pay statements ; and that I should not make payments until I received the new statements because my payments would get lost in the paperwork if I did. 
I waited and called and researched online at the mortgage companys web site, looking for my statements. 
After each approved mortgage modification, I was blocked from the web site and received a letter in the mail stating that my loan would now be serviced by a new mortgage company. 
I was told by the new mortgage servicer that I should not make payments to the new mortgage company until they had processed the paperwork from the previous mortgage company because my payment would get lost in the paperwork. 
Then the process started again. ( Requesting and receiving a mortgage modification ). This was a long and arduous process each time ; resubmitting all required documentation and jumping through all hoops I was informed I had to. But at the end of the day, I had my loan modification and looked forward to making my payments so as to move on with my life. 
This process was completed XXXX times with an approval until now when they have denied the mortgage modification because of the XXXX approvals that were not processed completely or correctly. 

My home has a foreclosure sale on it and I am attempting to block the transfer of title. 
I have worked with HAF and they offered to help with XXXX amount of {$50000.00} but I still had to produce {$41000.00} and was unable to do so, partly because I invested almost {$40000.00} last year in a bankruptcy that was dismissed. 
I built my home and have worked diligently to maintain it in every possible way. 

I request you help me cancel the sale that has taken place and get back to making my monthly payments. 
I should not be held accountable because the mortgage servicers ( Bank XXXX XXXX, XXXX XXXX, XXXX ) did not send me pay statements and kept allowing the charges to grow every time my mortgage was sold to a new company. ( The payments after being approved by Bank XXXX XXXX were around {$1200.00} XXXX ; now It is above XXXX p/m ). 
My home is being stolen from me and I have done all I was instructed to. 

I urgently look forward to your reply. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX PS : I have done all required and instructed of and still : Foreclosure Sale of my XXXX XXXX. XXXX  & XXXX  stress Possibility of losing all I have worked for Paying out an additional {$40000.00} plus out of pocket
Product: Credit reporting

My account is reporting 30 Days Late with a late payment in XX/XX/XXXX which is incorrect. This issue is specific to TransUnion reporting and has been previously disputed. My due date is the XX/XX/XXXX of each month. XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time and XX/XX/XXXX and XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time. The issue has not been permanently resolved. Per Transunion, XXXX is not sending updated payment history for each month. There has been no payment history updated since XX/XX/XXXX for Transunion. XXXX and XXXX have up to date current information.
Product: Checking or savings account

On XX/XX/XXXX I discovered that my account with TD Bank account ( XXXX ) was frozen, It was in conduction with a State Tax Issue. After speaking with the State representative I was informed that they Faxed and Mailed the notice to the bank XX/XX/XXXX. the bank is saying that they didn't receive the notice until XX/XX/XXXX. I however had already made contact and arrangements with the State tax rep on XX/XX/XXXX. Td Bank didn't process the Levy until the XX/XX/XXXX. However after doing some research those fund in TD Bank should not have been allowed to be frozen. First the deposit came after the notice from the state. Secondly they did not verify where the funds came from as they are my Military XXXX pay from the XXXX. I have contacted the Levy Dept at TD Bank numerous times to  resolve the issue. As they are now charging my account with over draft fees too. 
I spoke with the State Tax Rep.today and all frozen money is being released. understanding that is a blessing. However I believe that TD bank should have protected my account and not allowed my VA XXXX pay to be frozen. As according to your web site and regulations they should have prevented them from being frozen.