23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Good Day .... Here is my tales of wow with Bank of America .... I set up a wire transfer with Bank Of America 's help to pay off my mortgage XXXX .... then BOA security canceled the transfer because they said I did not contact them in time .... I tried to contact them several times but they BOA never answered the number I was suppose to call then they disconnected my phone call .... tried again and same thing .... stayed on phone for a total of two hours trying to find support then disconnect... Finally got someone to help me today XXXX and sent the wire hope it gets there Monday XXXX when it is due .... But why was the wire originally canceled?? No one at BOA had a clue .... and I was speaking with the Dept. that canceled the wire .... At BOA the left hand does not know what the right hand is doing!! 

Oh by the way here are few other goodies that Bank of American did for me .... 

XX/XX/XXXX BOA declares me deceased and started repossessing my house... .had to show up at a BOA branch to prove I was still alive and my credit score dropped XXXX XXXX .... 

Here is another oldie but goodie .... back either in the late XXXX 's or early XXXX 's BOA somehow misplace {$100000.00} of my parents money .... took them almost a week to recover it .... 

Lost my Dad 's Death Certificate .... closed accounts still with outstanding checks .... the list goes on .... How is this possible?? Obama should have broken up BOA when he had a chance .... And usually there is no one to be able to speak to on the phone ..... If you go into a branch it is usually not a whole lot better .... Mistakes seem to be the order of the day with Bank of America!! Will be leaving BOA as soon as I am able .....
Product: Mortgage

I did a refinance loan with Allied Mortgage Group ( XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( phone XXXX ). I closed on the loan on XX/XX/2019. At closing XXXX XXXX XXXX representative told me you get a month off ( no mortgage payment for XXXX. ) I get a text from my previous lender ( XX/XX/XXXX) on XXXX XXXX stating my mortgage payment is still due XX/XX/XXXX. To my surprise I called XXXX the to inquire about this payment that was due {$990.00}. Turns out XXXX received the wrong payoff amount from Allied Mortgage Group and XXXX XXXX title. XXXX tried to reach out to both Allied Mortgage Group and XXXX XXXX XXXX XX/XX/XXXX and XXXX. They received no response back and they returned the payoff check back to XXXX XXXX XXXX. So from XX/XX/XXXX to XX/XX/XXXX I'm being charged extra interest in sum of {$380.00} from my old lender XXXX because the loan is still open. Not until XX/XX/XXXX did Allied Mortgage and XXXX XXXX resend adequate funds get the loan closed with now a higher pay off amount because of acured interest. 1. How did Allied Mortgage Group give the wrong payoff amount to the my previous lender XXXX? Why was the payoff amount not verified? 2. Why was the correct contact number and contact names for Allied Mortgage Group or XXXX XXXX XXXX not supplied to XXXX in case of a major issue like this one. XX/XX/XXXX I the customer had to notify Allied Mortgage and XXXX XXXX that my loan did not close and i was charged a extra {$380.00} in interest. Allied Mortgage Group and XXXX XXXX XXXX negligence has cost me a higher payoff ( XXXX extra ) that was not even disclosed anywhere on my closing contract. They are stealing money from me if they do not refund me the amount of {$380.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2017 I disputed two tax liens being reported by Equifax on my credit file, dispute # XXXX. The dispute information came back as verified according to Equifax according to the representative at their company. Something which they have also failed to inform me personally about. Equifax continues to report incorrect and non-validated tax lien information on my credit report. Equifax is reporting two tax liens on my credit report I have personally contacted both the IRS and the XXXX County recorders office and they have stated and assured me that Equifax has never requested nor received any tax lien information directly from these entities. Equifax continues to state that they have verified the information but they have not verified and even more so not validated any information with the source of the information. Allowing unvalidated information and/or using a third party to validate any information is not allowed under federal guidelines. Further under the new guidelines established by the CFPB itself, there is missing information and incorrect information that prevents them from continuing to have this tax lien information noted on my credit file.
Product: Checking or savings account

I was charged overdraft fees when I didnt make any such overdraft fees and my account was closed
Product: Debt collection

USBank sent me a letter ( XX/XX/year> ) in which they threatened me over XXXX cents that I don't owe them because they are bankrupt and currently in default and committing criminal fraud and a host of other crimes that should result in death penalties for the guilty. Please send the account to collections asap. I literally do not care. Do not contact me again though, send further communication here XXXX XXXX XXXX XXXX
Product: Bank account or service

Wells Fargo at an alert so my neighbor on the reasons or for requesting a cashiers check I 'm not 100 % sure what exactly happened but they refuse to explain to me and only will keep my account open for 10 days they stated that it was fraud how was that bra when I requested it I 'm sorry it was a temporary check.I just need to set up a XXXX I was going to deposit the money wired to the bank closing they actually spoke with my fianc was on the account and stated that they will fly both our names there was no integrity courtesy collaboration no no anything to try to help us resolve this issue. they also still send us emails about the accounts at one point we thought it was open but it was n't so we never understood what we were still getting email it was 100 % discrimination against my fianc
Product: Debt collection

The company name is XXXX XXXX, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).
Product: Checking or savings account

There was fraudulent activity from my Chime checking account to XXXX XXXX and chime denied my dispute and have refused to give me my money back even after reporting the charge to be fraudulent.
Product: Credit card or prepaid card

I noticed that a collection was appearing my credit report from Capital One Bank. I sent Capital One Bank a written letter on XX/XX/2019 requesting some sort of verification/validation of this erroneous reporting. Capital One Bank responded with a letter onXX/XX/2019stating that the debt was reporting correctly. 

Capital One Bank, blatantly ignored my request for verification since they are STILL reporting this erroneous, misleading and slanderous information to the CRAs. 

Why is it the consumers job to provide the creditor information to do their job. If they reported the information to the CRA 's then they SHOULD have all of the information readily available.
Product: Credit card or prepaid card

I have been getting emails and letters about how i owe money on a credit card charge and i havent opened an account. Also when i try to sign in using my email to see this account thats in my name it says theres no account with this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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: Checking or savings account

I just opened my checking account with Bank of America on XX/XX/2023. I only used it a few times. Also, I connected my direct deposit to it. But, without notice, they closed my account. I had bills to pay but everything was stopped. Other than a person calling me the XXXX, letting me know that I needed to take my ID to a local bank. I agreed and let them know that Id go to the bank on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, did not authorize nor benefit from any of the inquiries listed below that Experian decided to furnish. Pursuant to 15 U.S. Code 1681c-2, Experian needs to delete these fraudulent and harmful claims. Failure to do so will result in further legal action. If an Experian senior XXXX will certify under the penalty of perjury that I received goods or services as a result of any transaction, this need not apply to that particular inquiry. The required identity theft report is in the attachments along with the required identification. 
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: Debt collection

I received the first letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was the first time I realized that identity theft occurred. Upon this letter, I sent them a dispute letter to notify I am a victim of the identity theft on XX/XX/2019. I have reported the idendity theft to CFPB, local Police department, and FTC. I have done everything I could. Finally, FTC gave the procedure for me. The first step that FTC recommend is to call XXXX XXXX and to ask them to remove the fraudulent account. I went to XXXX XXXX XXXX  instead of calling, and asked them about the auto loan account number.The bankers whom I contacted said there is no account with my name and SSN in their ( XXXX XXXX ) account history. I asked a confirmation letter which states that there is not any account my name and social, but they said, " No, because the account number is not existed. '' Today, I sent express priority mail asking the account applications made on paper, online, or by telephone, and any record including payment history, phone number to access the account, signatures on applications, and the copy of ID when the account was made using the address, and investigators report. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thier client Crown Asset Management have never sent the account application. The account in XXXX XXXX does not exist. It means those company made a fraudulent account without my permission. They got judgement ( {$6100.00} ) using the address I have never lived, and then they sent the first letter regarding the judgment debt to me. What should I do next? I am waiting to hear from the court, because I filed a Motion to vacate the default judgment on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This is the second go around with this company first claiming they are the XXXX XXXX XXXX XXXXXXXX, wanting to confirm my address. They claim they have process service for me about a debt. They gave me a " case number '' and asked me if I would like to be connected to " XXXX XXXX XXXX. '' I asked rather what is the Case Number for my county of residence they claimed it was from. They replied they did not file a case yet. I stated to them, then how can you have legal process? Clearly trying to scare me into the position of believing I was being sued. Violation of the Fair Debt Collection Act. 

I called the number the " National Process Service Center '' called me on and it was answered " XXXX XXXX XXXX, '' thus proving that the collection agency violated the Fair Debt Collection Act again by misrepresentation. At this time there was a message left for my wife for me, this time they were more careful insinuating pending legal action. 

I spoke with a represenative there, by the name of XXXX XXXX XXXX, who was nice at first, and stated the debt was from a card going back to XXXX I had when I was in financial trouble. I confirmed with him, " So the last payment I made was in XXXX  '' To which he responded in the affirmative. I then began to advise him that the debt was out of the New York State Statute of Limitations, which is 6 year at the time of the debt, is up. He began to say sarcastically.. XXXX XXXX XXXX XXXX XXXX XXXX ... and at that point I cut him off and ended the call. They try to invoke some clause which is not valid, at least in XXXX. 

The scary thing is, they wanted to " verify '' who I was and began to read off my telephone number, " is this your number? '' Yes. Then they read off my Social Security Number, " is that your Social Security Number? '' How does this verify my identity? They are freely giving my Social Security Number out to anyone who calls them and says they are me. 

These people are a danger to the uneducated and elderly.
Product: Credit reporting

denied credit and mortgage based on retaliation and record falsifications bureaus and XXXX condones and or allows to be used to stop loans and credit legitimately this arises from prior complaint made to u and XXXX prior fabricated false claims by bureau. this further arises from fabricated judgments and public records done so deliberately by the officials with aid of banks and others corruptly. this further arises from the va and XXXX refusing to make accurate records of the XXXX XXXX in XXXX military retirement owed me the va should of paid and refuses to request XXXX to do an audit to verify ( debt ratio ) the XXXX did grant a loan application after last complaint here, but manufactured reasons to not close timely and drop mortgage and now claim i not eligible for same based on bad creit from falsified credit report fixed XXXX as a result of their wrong doing. said report falsified by falsifying some of first report falsification and based on this falsification of judgement records that are no valid on face and by statute as well as others fabricated by state agents to harm me after threats and without any authority and or due process of law. ( see XXXX title ) also see XXXX records since last time complaint filed and XXXX droped of and now more should be as bogas scams by bureaus and related indirectly to prior scams by themXXXX judgement not valid as matter of law per statute no collectable after case time done. other a judge signed i owed county money they paid lawyer to fix records for county on crimes that could not be charged by state or county while they denied me access to act as counsel personally a fruad scam all subject to federal civilrights suit obstructed by corrupt officials threats to harm XXXX denied loan by fraud and refused to correct name to do so after usa had and all else.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach with XXXX and Im also a victim of identity theft 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 told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or credit management

I was robbed and the person stole my wallet that had all my personal information in it and my phone the person was able to use all my identity to get all XXXX XXXX of my money off chime use my credit for electricity all kinds of things I was able to make a police report Ive been disputed everything thats not me and its still denied even with proof
Product: Checking or savings account

XX/XX/XXXX I called to file a claim ( claim number XXXX ) for missed transactions for a previous claim that had been closed and resolved in my favor. My claim was denied five or six times for the same reason, saying I had missed transactions in-between the dates I was disputing. In XX/XX/XXXX I called and filed a new claim to fix the excuse for the denial, within a month the XXXX claim was closed and resolved in my favor. The claim filed in XX/XX/XXXX was denied and after XXXX they decided to start coming up with other excuses. Not only did they lie or give me random excuses time after time but hey would go past the timeframe they would give me of XXXX XXXX business days, at times going well over XXXX business days. When I filed the claim I was clear about how and why I was filling it. Told them it was a new claim for transactions I had missed on a closed and resolved claim, I was also clear that at the time the transactions happed I had my card but when filing the claim in XXXX I no longer had it as it was an older card that was replaced in the initial claim first claim.
Product: Debt collection

Subject : Debt Validation Request XXXX XXXX Dear Resurgent, I am writing in response to your recent email regarding an alleged debt that you are attempting to collect. I request that you provide formal validation of this debt in accordance with the Fair Debt Collection Pr

actices Act ( FDCPA ). Please provide the following information : 1. The name of the original creditor and the full account number associated with the debt.

2. A detailed breakdown of the amount owed, including any fees, interest, or other charges applied.

3. Documentation proving that your agency has the legal right to collect this debt.

4. Copies of any agreements or contracts I may have signed regarding this debt.

Until I receive proper validation, I request that all collection efforts, including email communication, cease. Additionally, I request that any further communication be conducted in writing via postal mail at the address listed below : XXXX XXXX XXXX XXXX XXXX, MI XXXX If this debt is not properly validated, I expect it to be removed from my records. Please confirm receipt of this request and provide the requested documentation as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX