23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX from ARA XXXX ext XXXX has called XXXX XXXX 2018 at XXXX. Left a voicemail that had all of my information date of birth, ss # making threats to send someone to my place of employment or my home and have me taken away for fraud. She has called my parents and talked to them stating on the same day I have several fraud charges against me and they are going to take me away. I have no such charges and have no idea what they are talking about. They called my daughter and said they are going to take her to jail because I listed her has a contact and I am not calling them back. Why is this place still in business? They are constantly harassing and making up stories and calling multiple family members.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

In XXXX I left my home and began a XXXX. I didnt receive a letter sent to me from XXXX XXXX about my debt with TD Bank . I thought I had a payment plan with XXXX XXXX. On XX/XX/XXXX, XXXX froze my account and took my childs savings which is all we had. I am now on food stamps. I cant afford the payment plan they gave me on XXXX and they wouldnt work with me. I need help. I am going to have to close my checking accounts because I have other bills.
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. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX has 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 XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I placed 2 wire transfers, one for {$50000.00} and the other one for {$11000.00} afer I receive a few e-mails from my supplier of 3 years saying their bank account was being audited and that I needed to send the money for the order to a different bank account in XXXX. A couple of days later I found out that I had been a victim of a cyberattack and that my e-mail had been compromised, so the information I received from my supplier was actually from scammers posing as my suppliers. I immediately went to the bank in person and did a wire recall on both wires, I hired a cybersecurity company that was able to find out I had been a victim of a scam from XXXX. I filed an FBI complaint, I filed a police report and sent all information to the bank. 

I continued calling every week a '' er and went in person to the bank but got no response. On XX/XX/XXXX ; JPMorgan chase got back to me with this message : Here is the status of your request : - Your request was submitted on XX/XX/2023. - XXXX - We have attempted to contact Credit party on several occasions, but have not received a response. At this time, we can not take any further action on this inquiry and suggest that you contact them directly in order to resolve the matter. XXXX Please be advised that we have tried to contact CreditParty on several occasions requesting Return Of Funds. As of today we have not received any response. We kindly recommend that you contact them directly if matter remains outstanding. In the event they subsequently contact us, we will advise you accordingly. 

On XX/XX/2023 I filed a complaint with the Office of the Currency Comptroller under Case # XXXX and the bank responded on XX/XX/XXXX stating that their position was the same, they could not do anything to recover my money. I filed an appeal with the OCC on XX/XX/XXXX but I have not received a response yet. 

I would like to understand if there is any other action I can take as this has put an enormous financial hurdle in my company and I am not sure what else to do to recover this money. 

Thank you. 
XXXX XXXX.
Product: Mortgage

Note : There are 3 attached files. BoA Rates at the time I asked for a lock in ( which is different than the rate I was given ), and 2 different versions of the Closing Disclosures. It is important to note there are 2 versions because there is a major discrepancy in these two documents that needs to be addressed. 

My name is XXXX XXXX XXXX and I applied for a mortgage from Bank of America in XX/XX/XXXX. The loan condition was supposed to be removed XX/XX/XXXX and we were supposed to close on XX/XX/XXXX. BoA did not have their paperwork done in a timely manner, they keep requesting information last minute, which I provide, and then have problems removing the conditions or updating their information. While I have had countless problems with BoA here is where we stand : 1. We were supposed to close on XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. BoA still does not have their paperwork done and we will not be closing on XX/XX/XXXX. I have been ready, with all paperwork sent in and cash on hand for closing, since early XXXX. 
2. The loan rate was locked in for 45 days ( ending XX/XX/XXXX ) and then extended 7 days ( XX/XX/XXXX ). I suspect we will have to continue extending the lock because BoA does not have their paperwork done. 
3. I was informed that the rate would be 3.875 %, however their advertised rate for someone with my credit score ( XXXX ) was 3.25 %. I am asking for them to honor the 3.25 %. I was informed this was an advertised rate, and not the actual rate. It is fraudulent to list one rate and charge another. A screenshot of that rate is included in my complaint. 
4. I was issued 2 versions of the Closing Disclosure. The first was issued on XX/XX/XXXX and had a lender credit of {$6100.00}. I was issued a second CD on XX/XX/XXXX and this credit was removed. This has increased the cost of the loan by over XXXX ; this was money that was granted by the underwriting department as a grant and then taken away. I'm asking that this be immediately restored. 
5. I was informed by XXXX XXXX that since I was paying 20 % down I did not need to include " taxes '' as part of my monthly payment to BoA. I was then informed XXXX XXXX ( both BoA ) that if I did not include them, my rate would increase by .125 %. So I don't know which person is correct. I'd rather pay the taxes myself, but if my rate will be increased then naturally I'd want BoA to pay it. However, I DO NOT TRUST BoA AT THIS POINT, they have f 'd my loan up so badly I do not trust them to collect my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to XXXX as an " Open Account '' under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Company 's use my personal info in connection to fraud and identity theft in order to opening frudentelly accounts to opten service and Good in behelf of me using my personal info such as ssc #. Dob. Address. Emails. 
Without of my concest or permission or authorization. 
As financial institution appears and raised according to date and time as reflect on national credit bureau as following XXXX XXXX XXXX XXXX XXXX Lending tree
Product: Credit card

We are disputing the charge of interest on the card on XX/XX/year> for {$91.00} and would like a resolution as to why this charge was made when we paid the full balance due on the card prior to the due date of XX/XX/year> per the credit card member agreement stating : How To Avoid Paying Interest On Purchases if you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. 

We have other credit cards and sometimes we pay off the balance and sometimes we carryover a balance and pay interest on the carryover balance. But when we pay the prior month statement balance in full, there has never been an interest charge for that month. This is the first time I have seen interest charged when the balance was paid in full. We were told on the phone that because we carried over a balance the PRIOR month, this is RESIDUAL interest. We paid interest on the balance over the years monthly, so there should not be additional interest. Nowhere in our agreement have I heard of the term residual interest. That usually applies to mortgage or term loans where you pay interest until the date the bill is paid, not credit cards. 

As a background, we refinanced our home and paid off all our credit cards and no other credit card company charged us residual interest. In all our years, we have never been charged as such. My wife, as a CPA deals with clients daily and has never seen such a charge. We would like to request abatement of this residual interest as it is not clearly stated in the credit card agreement and it deviates from all industry standards. I have proof for my wifes card with Chase as well that they have never charged this type of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company performed a hard pull on my credit. I asked if they would be doing so but got no response. I did not authorize a hard credit pull.
Product: Debt collection

XXXX XXXX, XXXX has been on my credit report for 4 years, 7 months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.
Product: Mortgage

l bought my home insurance and the bank lender of my mortgage was still charging me insurance escrow. So l requested deletion of this escrow and they denied my request. So I they pay on my policy with XXXX 's like they are suppose to since they had been collecting escrow and again they did not. Since l had instructed the insurance company to submit the bill to my lender for continuous on the policy, and when my lender failed to pay the bill accordingly like they were suppose to in a timely manner, l was again notified by XXXX 's XXXX to pay l did. Unfortunately, it was too late thirty days had passed and my money was returned and my policy was cancelled. Faced with this sudden dilemma, l went out and bought another policy which ended up costing me more money. After obtaining this policy l forwarded a copy to my lender BoA. To my surprise a couple of weeks later BoA notify me that l should provide them with insurance for the period of time during which my previous insurance company had been trying to receive payment from them. Since they were make a big deal out of the unfortunate situation they created, l when out and try to buy a policy for that period nonetheless. However, l was told by my insurance company that the new policy can not go back beyond 30 days. This same policy was stated by a few other companies l contacted. Somehow without proof of insurance during this period, BoA send me a letter charging me triple insurance escrow on a insurance policy which they claim the had purchased for the period that my insurance was cancelled five months later. This i was told by BoA after l had been told by insurance companies that they can not retroactively sell me a policy. Someway BoA was able to accomplished that easily but which l find strange especially since they had such a hard time processing my request and could not pay my insurance with my own money they collecting hence having my insurance policy which fairly cheap cancelled. This l think is not appropriate and a manipulation by BoA to charge me undue after intentionally or otherwise costing more money buying the new policy.
Product: Debt collection

A company called Vericred Solutions just reported a collection debt on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Debt collection

In XX/XX/XXXX I received automatic email from AFFIRM that a virtual card was activated in my name. 
I called AFFIRM and spoke to representative that night informing them of the suspicious activity and that an virtual card was activated The representative opened fraudulent activity case for me On XX/XX/XXXX I contacted AFFIRM that morning about more loans being opened in my name and about the fraudulent activity that was occurring and the representative said a case is opened and will put in notes I called and will get an email from fraudulent team In AFFIRM message center I uploaded all three loans that were opened in my name and the suspicious declines of attempts of purchases with pictures I explained the situation and gave them all information I saw as suspicious I received an email stating I was responsible for these loans I called AFFIRM again. 
Asking how am I responsible when I explained the situation the new representative then closed out the card that loans were being opened in my name and reopened the fraudulent activity case with notes added also informed me this virtual card was being used on a phone which I told the representative that I only have XXXX phone The representative also asked me if I know or live with anyone that would have opened these loans I told the representative I live by myself and that no. 
The representative informed me that I will receive an email The same day I received an email from AFFIRM saying case already resolved I then contacted AFFIRM again and demanded to speak to someone in charge who I spoke to the supervisor who then I explained the whole situation and they reopened the case and added in everything I said and asked same questions about proof I have about this loan was not me the opened in which I responded all Photos and everything was uploaded in AFFIRM message center The email AFFirm also sent me I had responded to as well with my concerns never received a email back When calling and asking about it they say fraudulent team dont speak on the phone just email and that I have to respond to the email to get an reply which I sent three emails about it to them and never received an response back Now these loans are becoming delinquent and AFFIRM is not assisting me with this Manner of fraudulent activity AFFIRM policy for fraudulent activity is you wont be responsible or have pay for it they are supposed to take care of this never seen a credit card agency do this
Product: Money transfer, virtual currency, or money service

My paypal account has been locked and they are holding roughly {$1000.00} of my money and will not release it to me. 

They gave me no reasoning for doing so and have evaded dozens of attempts at working with me to give me my money back.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account  # XXXX, has 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.
Product: Money transfer, virtual currency, or money service

Pnc Bank will not let me connect my account to XXXX or XXXX apps
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, Ally Financial # XXXX, XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Checking or savings account

This isnt the first time theyve messed with my funds, but this was the last straw. Its not even over a lot, its only XXXX. Im just at my wits end with this bank. I had to call cursing and aggravated beyond hope, just so they would send me my money that someone was refunded toy old account while it was already closed for XXXX full days. Then when I call, theres nothing they can do, they can try to send it to my bank digitally and XXXX get an email. No email, no funds a couple days later. This is on XX/XX/XXXX. 
XX/XX/XXXX I call again and this time same rant, BUT we can mail you a paper check. At this point whatever gets the money out of my account because this is all I wanted. However the money shouldve been sent back or refused as is stated in the account closure email. Before this occurrence though, their support was no help with double charges or with funds not arriving. Overall Avant/Level bank is great, that is only if youll never have any problems ever, because they dont want to fix them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continued to list the account with the credit reporting agencies when it had been deleted multiple times and reinserted which is a direct violation of 15 USC 1681i B requirements relating to reinsertion of previously deleted material unless confirmed by the consumer which is invalid. Please delete duplicative reporting that is causing harm to my financial reputation. These reinsertion is violating code of federal regulations FDIC regulations and compliance.
Product: Credit card or prepaid card

On XX/XX/2020 my bill for account US BANK Date opened XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

my Personal information is inaccurate my address is XXXX XXXX XXXX. The 3 credit Bureaus are reporting different. 

XXXX XXXX . Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX is reporting date opened XXXX. I've called numerous of times bad customer services. 

XXXX XXXX. Incorrect information on my credit report. Transunion is reporting Date opened XXXX, XXXX  and XXXX reporting date opened is XXXX. Also The High credit is inaccurate. Transunion reporting is {$78.00} XXXX  reporting {$0.00} XXXX  reporting {$77.00} Original Creditor is Violating FDCPA Section 807 misleading false reporting. 
I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me I feel like I'm being taken advantage of being ignored of my dispute.