23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Earlier this fall Bank of America and one of its Vice  Presidents XXXX XXXX, of a branch in XXXX, Florida, undertook a concerted effort to injure me financially and inflict intentional mental anguish. This collusion of the personal and corporate to intentionally inflict demonstrable, tangible, and in some cases, irreparable harm towards me was and continues to this day to be in retaliation to my documented exposure of Bank of America 's non-compliance with certain key components of CFPB 's regulations. XXXX XXXX XXXX represented that she was there to help me and asked that I run ALL my Bank of America business through her because she had my best interests at heart. Not only will the facts show this documented assertion to be a fallacy, those same facts will demonstrate this was a conscience tactic of Bank of America to deceive me and make me act in contradiction of my best interests. The issue that first caused me to raise alarm officially towards Bank of America 's famously predatory business practices involved a key five day  window of protection a consumer is entitled to under Dodd-Frank and as promulgated by the CFPB following a deleterious claims decision. Bank of America was ignoring this and numerous other aspects of both general underpinnings of American consumer protection law and specific rules and regulations as delineated throughout federal and state banking code. There needed to be quick action at the time to protect the rights of not just me and my case but for an entire class of individuals in similar situations who were also being subjected to Bank of America 's actions or inaction. In a situation that necessitated an almost immediate remedy Bank of America and XXXX XXXX at first committed to an answer within few days - 'by the end of the week ' - yet instead took months upon months of unresponsive arrogance to produce what will be shown to be nothing more than voluminous and vapid subterfuge which while heavy on insignificant factoids lacked a cohesive response to Bank of America 's systemic non-compliance, the core of my complaint, or even answer simple questions raised throughout the process. In the complaint I filed last I alerted assorted entities including CFPB that it was my belief that Bank of America was retaliating against me for exposing their violations and non-compliance. Again Bank of America dragged its feet in providing a response until just recently when I received notification from Bank of America, with no explanation provided, that they were closing ALL my bank accounts including ones totally unrelated to the issues involved. Furthermore they indicated an intent to seize funds still in dispute. They did what a predator does when confronted by its abusive behavior, they ignore the accuser, and escalate the abuse. While the list of egregious injuries reigned down upon me for simply asking some questions is too large to discuss in this toothless forum, XXXX XXXX and Bank of America should take no solace in assuming this marks the end of these issues, their culpability, or the punitive consequences for their actions. Stay tuned.
Product: Debt collection

I am beyond frustrated with this situation. A debt I have no knowledge of has appeared on my credit report, and despite having no involvement with it, I am being harassed with endless messages and legal threats. This is taking a toll on my mental well-being, and I refuse to let my rights be ignored.
Product: Debt collection

XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is EXPERIAN and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. EXPERIAN is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX report serious delinquency which is incorrect XXXX Mortgage requested report Order number XXXX
Product: Vehicle loan or lease

Good afternoon, I am asking for your assistance in correcting my payments, making adjustments, I sense that my leader is using and has used illegal practices. My loan was opened in XX/XX/XXXX. I have been in constant communication with this lender and the contact person is XXXX XXXX. 


Resent Email sent to Lender on XX/XX/XXXX Good morning XXXX and West Lake Financial, I received your letter and the payment history of my account # XXXX and I am requesting your Accounting Departments review and recondition with correcting many late charges, assures that the amounts applied to Interest and Principal are correct, it doesnt look constant, payments made from XX/XX/XXXX to XX/XX/XXXX all went to interest and also late fees were applied, please adjust this. 

I will also be seeking free legal review as this payment history does not feel right, I know from past conversations from your staff the system applied the amounts incorrectly and was told many times that it would be corrected in the system and as I stated before this auto currently requires repairs and I also have an open hearing with XXXX  not yet settled for fees that a previous company should have paid, I have attached the open dispute and due to this I have been unable to register my auto since XX/XX/XXXX. 

I honestly feel that I have paid this auto off and possibly even over paid by now and unfortunately from the XXXX feedback regarding your company, I am not the only one who has this happening and I would really like you to understand that this whole situation has been a burden, pressure and a constant headache since I receive letters from XXXX XXXX stating that a total amount is now due. I am a single Mom with two pre-teen children and live in the XXXX XXXX so everything is high in cost and I am doing my best to resolve this situation and really ask for your help and if you help me resolve this we can have this added to the XXXX   as positive feedback.
Product: Debt collection

The company was granted one amount in court for XXXX. They refused to chafe amount on reports then tried taking me to court where they were proved to only been granted that amount so they removed the collections and the placed 2 after leaving voice-mail about double dipping. They have since been constantly changing the debt amount but only on the new one they just opened. Then they closed it XX/XX/XXXX just to reopen it XX/XX/XXXX for almost double. They have 2 collection accounts now on me for 1 debt. Ans the amounts are triple what they were granted in court they have had no communication with me ans were unwilling to set up payments on original accounts. Both accounts are for 1 debt ans non are the correct amounts they were granted from a judgment
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX an account was opened in my name without my permission with XXXX XXXX XXXX  i never applied for this account and never used this account it was opened fraudulently i called the company and they said is there system so i have to pay account number XXXX the amount {$4800.00}
Product: Credit card

On XX/XX/XXXX I signed for a transaction ( XXXX ) at the local Best Buy Store in XXXX, XXXX. On XX/XX/XXXX there was another charge of XXXX referencing the same transaction number. I disputed this on the statement and was told I was responsible for the charges. No other explanation. When I called to get an explanation I was told that I was not initially charged enough so they added in the extra. I renewed my dispute and which was instantly dismissed that I owed the charges. When I disputed this with the XXXX  i was told that I was not charged tax in the initial transaction and the extra charge was for tax. However, the XXXX  complaint ( XXXX ) did not allow me due process to rebut the explanation from Best Buy. When the transaction on XX/XX/XXXX was completed that issue is closed, a business does not simply " decide '' to charge more to a customer. And with my using a credit card that is under their control they refuse to remove the charge. This is theft. Their decision to call this " tax '' that they are required to collect? This tax was collected on XX/XX/XXXX. I signed for the transaction on XX/XX/XXXX. I did not sign for the transaction on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm disputing accuracy in XX/XX/2023 I was not late XXXX ( XXXX XXXX XXXXy ) agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved ina. car accident the car was a total Loss XXXX XXXX XXXXXXXX from other party paid out for the car to them.on XX/XX/2023 XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to XXXX for my dispute in the allowable 30 days Nd was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH XXXX XXXX XXXX OF XX/XX/2023 SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE
Product: Credit reporting or other personal consumer reports

XXXX is the only credit agency that has not removed the negative account with Credit Acceptance. Credit Acceptance reported that I was in default of the loan and still in possession of the automobile and had never made even the first payment. I have proven this to be untrue. That contract or loan was voided by the dealership prior to my first payment being due and credit acceptance took possession of the automobile and sold it at auction. The other two legit agencies removed the account. XXXX refuses to do so and will not allow me to continue to dispute the account. They just continually bombard me with offers to help me if I pay them each month to monitor and help with my credit score. This sounds more like the act of someone selling their protection as the XXXX once did rather than a credit agency. This company needs to answer to someone who is impartial and fair.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer
Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/XXXX ; FXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

LOWE 'S XXXX XXXX XXXX XXXX made an unauthorized charge to my Lowe 's credit card of {$100.00} on XX/XX/XXXX. They did not notify me of their error and it was up to me to investigate who and why the charge was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when equafax had a data breach
Product: Mortgage

My daughter XXXX XXXX XXXX used my social security number and an old driver 's license to purchase a home without my knowledge with XXXX XXXX in XX/XX/XXXX. I was made aware of this in XXXX when she defaulted and the bank informed me I was responsible. I have contacted the bank and made them aware I have been a resident of Texas since XXXX of XXXX and did not make this mortgage. Wells Fargo purchased the loan company and asked for copies of my signature and original copies of the documentation I had concerning this mortgage. I have never been in the presence of XXXX XXXX, to sign for the first deed. Wells Fargo has since determined it was my signature when it is not because I was not in the state of California. They have also kept all documentation concerning this matter at the request of my daughter. Wells Fargo has refused to remove my name from this account and a letter dated XX/XX/XXXX was mailed to my residence in XXXX Texas. It is escrow documents in the name of XXXX XXXX XXXX and XXXX XXXX that have my signature and has been notarized by XXXX XXXX ( # XXXX ) stating I signed these documents on XX/XX/XXXX. I was never in the presence of XXXX XXXX. I was not in the state of California to sign any of these documents and I know nothing about the purchase of this home nor the mortgage attached. The bank and my daughter have defrauded the state of California and continue to do so even after I have asked them to stop. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Vehicle loan or lease

I owned ( free and clear ) a XXXX XXXX XXXX with very low mileage and decided to take out an auto title loan from Fast Money Loans. I took out the loan in XXXX and the car 's value at the time was about {$10000.00}. The title loan was only for {$4000.00}. 

Fast money loans had a habit of mis-applying my payments, which by the way, were always well above the minimum payment of {$300.00} ( see attached ). Somehow even though I had already paid off my loan in full and well ahead of schedule -- my car got repossed twice and they refused to hear me out or give me my car back. When i asked them why they thought i was past due, it turned out that they didn't even apply some of my payments to the loan. Then once i showed proof that they made an error, they said that they applied my payment to the principal and therefore the loan was still past due. This makes no sense whatsoever. It was clear that their goal was to rob me. They stole my car after I had already repaid close to {$5000.00} on a {$4000.00} loan. 

I am attaching all of my communication with this company regarding their theft of my vehicle. And yes I am calling it theft. It isn't just predatory lending. I clearly documented every payment i made and on which dates and had all of the payment receipts and they still said that i was past due. By XX/XX/XXXX i had paid off the loan ( had they correctly ammortized they would have realized this ) and it was many months ahead of schedule. Loan wasn't supposed to be paid off until middle of XXXX. They somehow found an excuse to repo my car and refused to give me any way of getting it back as you will see from the communication. 

They had exhausted my funds and left me without any money for an attorney. In fact, i didn't even have enough money to use a mediator which was what i had initially intended to do as you will see from the emails. Everything that they did was extremely unethical and they even sabotaged me on an insurance claim that i was making on the vehicle.
Product: Debt collection

My husband and I moved out of our apartment at the XXXX XXXX XXXX XXXX in XXXX of XXXX. We were eight months into our lease, and we had lived there since XX/XX/XXXX. We paid our rent on time every month, we were perfect tenants. We had to move because my husbands job demanded that we move to XXXX. We paid our last moth rent up until XXXX of XXXX. We were told that we had to pay to break the lease even though we were almost done way more than halfway. XXXX XXXX  XXXX XXXX then sent the amount to break the least to MARS Inc to collect the debt. I have paid off 30 % owed to the XXXX XXXX   XXXX XXXX. XXXX XXXX at MARS Inc had threatened that I would be sued and that my property would be seized if I didn't pay the remaining amount. She then denied this, even though the phone system says the conversation is being recorded. I have reported the threats to the manager at XXXX XXXX XXXX XXXX, and she stated that she has listened to the same reports from different people. I'm asking that the debt be forgiven and taken off our credit reports due to the fact that we were almost done with our lease and we have lived there for nearly three years, paid our rent on time and followed all rules, paid 30 % of breaking the lease, and being harassed and threatened for 1.5 years. I no longer want phone contact with MARS Inc, only mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency 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: Debt collection

CAINE & WEINER COMPA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.