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

on XX/XX/XXXX I was scammed through my University email from a person impersonating a professor offering me a research job for XXXX weekly. Copy of email next. 

Interdisciplinary Research Project Inbox Research Professor XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX ( 11 days ago ) to me Hello XXXX  XXXX, This is an invitation to work in an interdisciplinary research project collecting data online and earn {$300.00} weekly. This is an adaptable job that requires little to no prior experience. 

Provide the information below to indicate interest and you'll receive a follow up email detailing work schedule. 

Full Name : Cell # : Alternate email : Regards XXXX XXXX XXXX Professor of XXXX XXXX XXXX XXXX XXXX After research was done, they sent me check for XXXX. XXXX for my pay and XXXX to deposit withdraw and load on barcoded money cards through XXXX. This was for XXXX to process the data collected and generated reports for the data.I did not know this was a scam until my bank of XXXX contacted me saying my account was closed due to fraud. II did this 5 times totaled XXXX. My bank claims a zero liability for fraud on checking and debit card and atm transactions but are still holding my funds deposited XX/XX/XXXX from my VA XXXX and education benefits for school. The university sent out a campus and online campus wide email warning that scammers taking advantage of student body which happened two hours after me reporting to them. I need help with my bank PLEASE.
Product: Debt collection

A representative called me from Leviton Law Firm regarding an ongoing dispute with another company. The representative told me he was a lawyer and led me to believe that he was acting in the capacity of a lawyer in this matter. The representative then proceeded to threaten me with a lawsuit if I didn't pay an exorbitant amount to be wired directly to Leviton Law Firm.

I came to find out that the representative was not a lawyer but just a debt collection agent according to the company website. In fact, Leviton Law Firm is not even licensed to practice law in the state of Florida ( the state the court would likely hold the initial dispute in ) ... After speaking with the initial company, they informed me that Leviton Law Firm has no relation to the initial dispute and they confirmed that they were not working with Leviton Law Firm in this matter.
Product: Mortgage

On XX/XX/2022 I call Rushmore Loan to ask why my monthly mortgage payment went up when I paid the escrow shortage from the XX/XX/2022 statement they mailed me. The representative told me there was a {$3.00} escrow shortage. I asked the representative why they hadn't mailed me the notice. As I was on hold, I logged onto my web portal and found a new escrow analysis report showing this {$3.00} escrow shortage. I told them the representative that I was willing to pay any escrow shortage but I didn't want my mortgage payment to go up. The representative told me it was too late. I asked to speak to the customer service manager. I then spoke to XXXX who gave me his email address at XXXX. I told him that I called Rushmore to pay the {$630.00} shortage so my payment wouldn't go up. This payment posted on my checking account on XX/XX/2022. Therefore, when I logged into my portal to pay my XXXX mortgage payment, I was surprised to see an increase on my monthly payment. It went from {$2100.00} to {$2200.00}. How can a {$3.00} escrow shortage increase my payments to by {$38.00} each month. He then explained that Rushmore has a minimum required escrow balance. I said okay but why don't you give me a statement and give me an opportunity to pay it so I can prevent my mortgage payment from increasing? I didn't understand his explanation and in all my past experiences have been that if I pay the escrow shortage statement amount, then I don't see in increase in my mortgage payments when I have a fixed interest rate. Even the representative who took my XXXX payment of this escrow shortage told me that my payment shouldn't increase if I pay the shortage amount.
Product: Checking or savings account

I have dispute a transaction for the amount of {$2300.00} with Bmo Harris here is the dispute number XXXX I have waited over 10 business days havent received any letters havent received any provisional credit I tried to call today and they said that my dispute was denied even though I did not authorize a transaction and I have no Knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a dispute with Equifax XXXX XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX 2017, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX 2017. 



If you have any questions, please let me know. 



XXXX XXXX XXXX One of the people of the california --
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my score was negatively impacted by XXXX XXXX reporting my loans 90 days late while loans were in consolidation. They obviously did this intentionally. I had no control on loans transferring to another services - XXXX. They are deliberately sending me in circles. Filed credit bureau disputes. They only updated line on loans. My score is still damaged. Im
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting KIKOFF Acct # XXXX and XXXX XXXX, XXXXhas violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Product: Checking or savings account

Hancock Whitney Bank located in XXXX Alabama authorized {$2800.00} be withdrawn from my XXXX XXXX XXXX XXXX account with a method of ACH which I am not familiar. The transaction occurred on XX/XX/2022. I received a letter from Hancock Whitney Bank advising me that a HOLD ALL FUNDS had been placed on all accounts. The bank stated that they had identified one or more items or transactions as possible violations of the terns of our Deposit Agreement. or they had received notice of possible claim to the funds at Hanck-Whitney Bank or party to an item or transactions I immediately went to the local branch in XXXX  AL and the information was explained by XXXX XXXX , banker, that I didn't authorize his transaction and I went to file a complaint against XXXX XXXX  XXXX XXXX XXXX I do not know anything about this company and have never done any business with this company. They have taken my funds using an ACH wire transfer. XXXX XXXX is the bank that requested the funds from Hancock Whitney Bank. Hancock Whitney Bank is stating I waited too long to file a claim against XXXX XXXX XXXX XXXX XXXX. I should have done so within two days of the funds being transferred. I was never made aware of the funds had been transferred until the US Postal Service deliver the letter to my mailbox. I need help because Hancock Whitney Bank is stating I waited too long. I thought all banks in the USA had insurance against thief of money especially since they sent my funds without requiring my signature on any forms. Does the law protect the bank NOT the person who trusted the bank to keep their hard- earned funds safe? I need help.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4700.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The main problem has to do with TransUnion reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX XXXX XXXX  ( {$190.00} ) and XXXXXXXX XXXX XXXX XXXX ( {$6500.00} ). I put in a dispute to TransUnion on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by TransUnion but instead of correcting the balances they deleted the XXXX XXXX  XXXX  off of my credit report and did not change XXXX XXXX XXXX XXXX XXXX  saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why TransUnion was reporting incorrectly, and would make sure they were correct this coming cycle. XXXX XXXX  was not able to add the credit card back to my account which I still need to happen and TransUnion was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and TransUnion has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now XXXX XXXX
Product: Debt collection

SEE ATTACHMENTS! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Urgent : Cease Violations Immediately or Face Serious Consequences NOTICE TO : XXXX XXXX and XXXX XXXX, I am writing to inform you that enclosed within this correspondence, you will find essential documents that serve as clear proof and evidence of the serious violations of my consumer rights. These violations have been committed by LVNV FUNDING LLC, with the involvement of XXXX XXXX and XXXX XXXX, and are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act. 
These documents stand as undeniable evidence that I have NEVER granted written consent or lawful authority for the sale, purchase, storage, maintenance, or transfer of my nonpublic personal financial information. Your actions have demonstrated a flagrant disregard for my rights and legal protections. 
It is imperative that you review these documents meticulously and acknowledge the severity of the situation. The evidence at hand solidifies the fact that your organization 's actions are not only unlawful but also put you at risk of severe legal consequences under 18 USC 371, as previously indicated. This statute makes it clear that conspiring to commit offenses against the United States or its agencies, or to defraud them, carries the risk of substantial fines and imprisonment for up to five years for each involved party. 
XXXX XXXX and XXXX XXXX must recognize that their involvement in these violations is not without consequences. Your organization 's actions have put you in a precarious legal position. Immediate corrective measures are necessary to mitigate these consequences. 
In light of this compelling evidence, I reiterate my demand for the immediate cessation of all unauthorized activities concerning my personal financial information. The XXXX  out of balances associated with the accounts in question and the expunging of references to these accounts from major credit reporting agencies are non-negotiable steps that you must take immediately. 
I expect a written confirmation from you within 10 days regarding the actions you will be taking to rectify this situation. Failure to comply with these demands will leave me no option but to escalate my efforts to seek legal remedies for the violations and crimes committed against me. 
This letter, along with the enclosed documentation, marks a pivotal moment. Your response and actions will determine the path ahead. I await your prompt acknowledgment and the steps you will be taking to address these violations. 
Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit 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. They have not complied with the Fair Credit Reporting Act, XXXX5 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 wilful negligence and non-compliance with federal statutes.
Product: Debt collection

Bank of America is attempting to collect 2 charged off accounts from me. As it stands, every time I have contacted Bank of America they have not mentioned these accounts nor have they attempted to communicate any resolves to these charged off account with me. I had noticed last month a letter in the mail from some firm saying that Bank of America is suing me for the charged off debts and continues to send harassing mail. I have also noticed an increase calls and harassment to collect the debt, and am ready to proceed legally to end the harassment as I am already greatly overwhelmed by the effects of XXXX. 

I remember some months to a year letting Bank of America know of the hardships I was encountering during COVID 19 and them saying go two months behind in payments then offering me no options in terms of a payment plan that in no way worked with my financial hardship. I then offered a settlement amount based on what my XXXX wife and I could afford, but they would not take it nor would they work with me based on where I was at. 

I am now going through a much harder time financially and have been struggling to find a job, while taking care of my XXXX wife and take her to appointments, and/potentially now losing my car. The house may be foreclosed on as well. My wife and I recently took a XXXX medical bill after having to go to the XXXX being treated for a XXXX XXXX. Not to mention, several of my family members had XXXX and I ended up having to help them financially as well. 

All in all, I have had an outstanding credit score ( highest being over a XXXX credit score ) and been a loyal Bank of Member for over a decade now. I am writing this in good faith as I am doing my best to stay afloat during the pandemic and these charged off debts are getting in the way of accessing resources I may need to support my needs in the time. I am an upstanding consumer who has fallen on hard times during not only a pandemic, but one of the country 's worst economic/employment landslides of all time. 

Lastly, I would like to say I am aware that Bank of America has a history of attempting to collect on Charged/Written Off Accounts and had a class action lawsuit pursued against for these types of scenarios in particular. I do not wish to proceed legally as I am already overwhelmed by extreme hardship during XXXX, but I will proceed legally to protect myself as a consumer and American affected by XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX ACCOUNT REMOVALS 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. I am also a Victim of Identity Theft and have therefore attached proof within this envelope including my Police Report & Federal Trade Commission Identity Theft Report as well. These accounts and furnishing credit bureaus have violated my rights. 

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 have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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. 

Also Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As I am demanding the deletion of the accounts listed IMMEDIATELY. This has caused me so much emotional distress and even though I am providing proof, let it be known I do not have to due to the fact that I am a Victim of Identity Theft. " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' SINCERELY, XXXX XXXX
Product: Mortgage

Brookhollow mortage in Texas was working on a mortgage for me. I had to cancel on the mortgage because they were telling me it was my job ( XXXX XXXX ) and they were doing me a favor. I submitted all of my docs by XXXX/XXXX/2016. BROOKHOLLW MORTAGE WAS NOT RETURNING MY CALLS AND WHEN I DID REACH THEM THEY SAID I HAD TO GET THE TAX TRANSCRIPTS. I SUBMITTED THE TAXES AND THE XXXX IN PLENTY OF TIME. THEY CALLED ME ON XXXX/XXXX/2016 AND ADVISED I HAD TO GO DOWN TO THE IRS OFFICE AND OR WEB SITE TO GET TAX TRANSCRIPTS. AGAIN THEY ADVISED THEY WERE DOING ME A FAVOR ( XXXX XXXX ) WITH ALL OF THE CHAOS WE COULD NOT FUND TILL THE XXXX HOUR AND NOT DO THE WALK THROUGH IN A TIMELY MATTER. THEY ALSO WERE ADVISING ME THAT I NEEDED A SCHELDUE C, WHEN IN EFFECT I DID NOT. THERE WAS A LOT OF UNCERTAINTY WITH THIS COMPANY. I HAD TO CANCEL THE LOAN BECAUSE OF THE LAST MINUTE UNCERTAINTY. THE BUILDER WAS READY TO CHARGE ME {$500.00} A DAY ON A PER DEIM. I DID NOT HAVE TIME TO EVEN DO MY WALK THROUGH. WHICH THEY SAID I CANCELLED. THE BUILDER THEY WERE WORKING WITH ( XXXX ) TOOK MY {$5000.00}. BROOKHOLLOW MORTAGE ADDRESS IS XXXX TX XXXX THERE NUMBER IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I sent XXXX and Equifax a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX