23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My financial accounts and technology were all compromised as a result of the following XXXX  compromise : Someone found a way to bypass the two-factor authentication ( 2FA ) security measure at XXXX XXXX and compromise countless accounts. 

Following the bypass, the attackers are able to use the compromised accounts to try and take over cryptocurrency exchange accounts and cloud storage services. 

On XX/XX/XXXX XXXX email users started getting notified of changes to their account information, but their passwords were already changed so they couldnt enter. Those that managed to get back into the account found that a secondary email address was added to the account, from a disposable domain XXXX 

Sponsored Links This Year 's XXXX Lineup Is Turning Heads -- And Finally On Sale! 
Best XXXX Deals | Search Ads Bypassing 2FA The secondary email address is a security measure used by some email providers that help with password resets, account notifications, and similar. 

RECOMMENDED VIDEOS FOR YOU... 
CLOSE Many of the victims took to XXXX, XXXX, and XXXX  forums to discuss what had happened, and said that they had 2FA enabled. So, whoever was behind the attack, managed to guess the password with credential stuffing, and then managed to bypass the two-factor authentication security measure. XXXX report states the attackers used a privately circulated OTP ( one-time password ) bypass which allowed them to generate working 2FA verification codes. 

READ MORE XXXX XXXX publishes XXXX 'unlisted ' phone numbers online > What is 2FA and MFA? 

> These are the best firewalls right now That gave them access to the account, and adding the secondary, disposable email account, allowed them to perform the password reset process. 

After gaining complete control over the compromised email accounts, the threat actors then proceeded to breach further online services, assuming people 's identities to request email resets. XXXX, XXXX, XXXX, and XXXX, are just some of the services that the threat actors tried to breach. 

XXXX is keeping silent on the matter for the time being, but a customer said on XXXX that the firm is aware of the incident and is currently investigating. The same source also said that according to a customer support employee they spoke to, the issue seems to be quite widespread. 

As a result, my financial accounts were all compromised, my technology was all hacked, I lost by business, and my health, requiring hospitalization, among other losses. I attempted to resolve this with XXXX directly several times, even requesting that they come out to fix the problem, but all they did was bring me a new box.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I have contacted XXXXXXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Product: Credit reporting or other personal consumer reports

i have enclosed supporting docs to support my dispuite on human trafficking
Product: Mortgage

I once again find myself filing a complaint against Seterus. I am in the process of refinancing and requested a verfication of mortgage on XX/XX/2017. I was told by the agent that it would be sent to XXXX in 3-5 days. I called on XX/XX/2017 and was advised by a differant agent that they were short staffed and it would be sent out no later than XX/XX/2017. It was not sent and I spoke to yet another agent at Seterus who told me it was 5-7 days and with Monday XX/XX/2017 being a holiday the information would be sent on XX/XX/2017 at the EARLIEST. This has delayed my closing as this was the final document that I needed to close. Seterus is deliberately delaying this process that has caused my rate to climb from 3.75 % to and unknown figure well above 4 %. I do n't know how many complaints you must receive before anyone in the government takes action against Seterus. I will seek my remedy through my Congressman and the Virginia Attorney General 's Office and consult with an attorney on my legal rights.
Product: Credit reporting

I have told Trans Union numerous times that they are reporting XXXX inaccurate, it is not currently 30 days late and that this account has been paid off for more than 3 years. Please see reporting below, the status should appear as paid and not delinquent. 

Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XXXX Status 30 days late ( this should say paid ) Loan Term 72 Loan Type Auto Loan Opened XXXX Reported XXXX Remarks Dispute resolved ; customer disagrees Creditor Information XXXX XXXX , GA XXXX Phone # : XXXX
Product: Credit reporting or other personal consumer reports

- In XXXX of XXXX I logged onto to the XXXX XXXX website to pay my monthly payment. 
- Upon logging in you get a notice stating that they are updating their systems and that account information may be inaccurate. This notice went up XXXX of XXXX and remains up to this day. 
- I noticed that my payment amount due was higher than normal and learned it was based on the fact that XXXX XXXX had not credited XXXX previous payments. Both payments were made in XXXX of XXXX. XXXX was for the normal monthly payment and the second payment was an extra payment in preparation for early payoff. 
- I contacted XXXX XXXX via telephone to check on the issue and that is when they informed me of the payments missing in their records. This was surprising as these payment were XXXX payments made via their website. The representative told me he would send me an email and for me to reply to that email with my bank statements showing the payments. I did so, and they admitted fault for the issue and corrected my payment and balance owed. 
- At the end of XXXX, I paid my balance in full with lending point utilizing the payoff feature on the website. I notice a few days later on the site that it said I still had a balance of {$36.00} with a payment due of {$350.00}. This was obviously another records error. I was able to contact the rep that cleared the previous issue and get this corrected as well. 
XXXX XXXX I noticed that XXXX XXXX did not report my payoff to the credit reporting agencies and in fact they had not reported to the credit agencies since XX/XX/XXXX. 
- I disputed my balances with the credit agencies realizing that XXXX XXXX must be having more critical records issue than they have claimed. 
- Upon responding to the dispute, XXXX XXXX did correct my balance but at the same time reported that I had a 30 day late payment in XXXX of XXXX. Obviously as a result of the XXXX XXXX records error that I discovered in XXXX. This errant reporting dropped my credit scores by XXXX points right in the middle of a commercial real estate transaction the fell through as a result. In addition it has effected my business lines of credit. 
- Once again I contacted the XXXX XXXX rep and let him know what had happened. He apologized and said he would do his best to get the issue corrected and to have some patience. That was XXXX weeks ago and I have been getting the runaround from them ever since despite daily correspondence sent to the rep as well and every corporate XXXX. 
- This goes well beyond a mistake and is clearly negligence. You have a rouge lending company doing business with admitted systems and records issue who ' XXXX errant reporting is having negative effects on peoples lives. 
- There has been a recent explosion of similar complaints that have been placed on the XXXX website so I know I am not alone in this matter. 
- I have all proof and backup for my claims. XXXX XXXX as well as the credit reporting agencies have been provided this information as well.
Product: Checking or savings account

On or around XX/XX/23 I called Citizens Bank to add my Power of Attorney to my moms checking accounts. She is XXXX and unable to manage them herself. 

I live in XXXX XXXX and there is not a Citizens here. The person I spoke with told me I could mail a certified/notarized copy of the POA signed by principal guarantor with written instructions asking me to be added to Account Services. I could also have an agent bring these documents to a Citizens branch. 

I called a branch close to my mother and I spoke with XXXX ( the branch manager ) on or around XX/XX/23. I wanted to schedule my cousin to come in with the requested paperwork. XXXX said that he spoke with the legal department and they gave him a different answer. I needed to come into the branch myself with the original POA, drivers license and social security card with written instructions to add me. 

So XXXX instructions conflicted with the person I spoke to on the XXXX number. But I booked a flight for XXXX. 

On XX/XX/23 I went to XXXX branch ( XXXX XXXX XXXX ) and brought all requested paperwork. I waited 3 hours. The new branch manager ( XXXX ) told him that he was told by legal that my cousin ( previous POA ) needed to be present. 

This was the 3rd answer I received on how to add myself as POA to my moms account. My cousin was out of town and I brought a signed statement from her, but it was not enough. 

I asked XXXX if my cousin could come in on her own when she returned to town. After all, he had verified me and the paperwork. He agreed that sounded reasonable, so he said he would call me the next day. 

The next day ( XX/XX/23 ) XXXX called me to let me know that I needed to return in person with both my mom and cousin. This was the 4th answer I received on how to add me as POA on my moms accounts. 

Both my mom and cousin are having cognitive difficulties and nobody is currently managing her accounts. Citizens does not seem to have a clear and consistent policy on how to add someone as POA to the account. It seems to depend on the day.

I did everything they asked of me and flew across the country and still my moms finances are going unmanaged. 

I complained on XXXX to XXXX XXXXCitizensBank and someone responded saying they were opening up an internal complaint and would get back to me in 3 business days. That was 5 business days ago. 

I just want to ensure my moms bills get paid and her finances are properly managed and Citizens Bank does not seem to have any logical or consistent way to ensure that I am able to care for my elderly moms finances.
Product: Mortgage

Im currently forced out of work due to COVID-19 I reached out to my mortgage services Mr. Cooper Loans to inquire about what options I might have because I have no return to work date at the moment and Im self employed so Im not reviewing a paycheck. The only option I was given was a forbearance with ALL payments due in one lump sum plus the current month upon ending of the forbearance. That makes zero sense because if Im legally not allowed to work and I go back at the end of the forbearance I would NOT be able to pay 4 months worth of mortgage payments in ONE lump sum. That was the only option given to me, not really an option at all if you ask me. This is a national crisis and Mr. Cooper loans are NOT offering anything remotely helpful to keep people from losing their homes. And after waiting on hold for 2 hours ( which I completely understand given the state of the us ) the woman helping me said her computer froZe and she would have to call me back. Ill let you take a guess on if I ever got a call back
Product: Checking or savings account

YOU NEED TO TREAT NE LIKE I AM YOUR CUSTOMER!! 
Listen to recorded call AT FRAUD DEPT. around XXXX XXXX  - XXXX XXXX  XXXX XX/XX/year>. XXXX!! While reporting FRAUD he tries to hang up on me. I HUNG UP AFTER HE SAID HE WAS GOING TO " DISCONNECT THE CALL '' FOR NO APPARENT REASON. I was trying to verify things with him & he kept trying to talk over me. Then decided he was going to hang up. Get back to me over his absurd lack of service. I need something escalated so if the escalations dept. could get back to me by email that would be best. I'm still going to request a male agent because that's my preference, but this is RIDICULOUS!! I'm getting charged for a fraudulent crypto transaction that was created by scammers. The funds were already reimbursed. Now I'm getting re-charged because they probably made up some fake reason why I " owe the funds '' - they've locked me out of my account permanently!! " XXXX  '' probably the biggest crypto scammer in the U.S. because they spend a lots of money on fake ads including at the XXXX XXXX & no one has stopped them. They are committing MAJOR FRAUD & I'M NOT PAYING THEM ANYTHING!! I've already been charged over {$200.00} in the past few days because I supposedly " owe the money '' back to them for FAKE XXXX PURCHASES??!! NO - I DON'T!! Get back to me A.S.A.P. about all this & listen to the phonecall. AND refund the unsafe ride that XXXX tried to " offer '' me with a driver who wanted he to run across 3 lanes of traffic. I refused to get into his vehicle & the charge is STILL ON MY ACCOUNT for {$13.00} XX/XX/year>!! REFUND IT!! NOW!! They aren't even going to get a cancellation fee for THAT ONE!! The CFPB complaint with # XXXX is about XXXX. You can view that as well. But you aren't giving ANY SCAMMERS MY MONEY!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Capital One Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Care credit is charging and has been charging me late fees on the due date! They have been charging me extremely high interest as well on XXXX services that my XXXX pays for! I only use my care credit for XXXX services. Care credit took my {$2400.00} available Balakce and put it towards interest. My monthly payments went from $ XXXX monthly to $ XXXX monthly and they take most of that and use it as interest charges. 

My XXXX is aware of this and has confirmed several times that they pay my interest so credit shouldnt be charging me that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that my personal information had been used to apply for many loans and credit cards. When I tried to log in and dispute the claims with Experian, someone had already opened an account using my information but a different email address. This does not allow me to " reset '' the password because the account was created fraudulently. I am therefore unable to address and try to repair the damage that has been done by the person using my personal information to open accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct inaccurate personal information on my credit report, despite my formal dispute under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent written disputes to all three credit bureaus, requesting the removal of incorrect personal information and the correction of my name, address.

Under 15 U.S.C. 1681i ( Section 611 of the FCRA ), the credit bureaus are legally required to investigate and correct inaccurate information within 30 days.

Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in consumer reports. However, despite my formal request, these inaccuracies remain, potentially linking me to fraudulent activities or misrepresenting my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA
Product: Checking or savings account

On XX/XX/20 I deposited {$6100.00} at Santander Bank branch in person in XXXX MA. This was made up of {$57.00} in cash, one check for {$91.00}, one money order for {$500.00}, one money order for {$490.00}, and 10 money orders for  {$490.00}. All the money orders are through XXXX XXXX XXXX. 

I expected the funds to be available at the latest on the end of the second business day after the deposit, in accordance with Santander 's funds availability policy. https : //www.santanderbank.com/us/get-started/personal/funds-availability They weren't available and my available balance has been showing as < {$300.00} ( {$290.00} exactly ) ever since then. I contacted Santander Bank by phone on XX/XX/XXXX asking about my funds. They did an investigation internally and told me at the end of the phone call the there was a hold on the funds that would clear by the end of the next business day. It is currently past XXXX on the next business day XXXX XX/XX/XXXX ) and my funds are still not available. Besides violating what was told to me on the phone yesterdy, they have violated their own funds availability policy : " Note : In some cases, we may delay availability to withdraw funds beyond the periods described above. If we do, well notify you. If this does happen, the funds will generally be available on the sixth ( 6th ) business day after the business day of deposit. '' Note : I was never notified that there was a hold on my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened an account and used them at all for XXXX XXXX/PAYPAL. They addressed to me with wrong address and want me to pay the balance. Otherwise, My credit report would be ruined. In the beginning I disputed them and they recommended again to pay the bill and I would not have any problem on my credit score. I decided that I would follow their recommendation and paid the balance. But, they messed up my credit report. I should have reported to police for identity theft.

By the way, one year later this problem happened again. They called me and asked me to pay another balance under another account which I never ever opened it. I went to police station and reported for that issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES EXPERIAN AND XXXX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit card or prepaid card

I received my Bank of America Credit Card bill on XX/XX/2019. It was in the early XXXX and the account statement had already closed. I received a " XXXX XXXX '' notification of payment due. I proceeded to pay the balance in the XXXX   on XX/XX/2019 due plus additional money on the same day in the XXXX ( afternoon after the closing statement had already closed. ). Bank of America is refusing to credit that payment which was deducted from my account on XX/XX/2019 and says that I paid it too early, despite the fact that my statement had already closed and they gave me a minimum amount due, which I paid plus more. I spoke to XXXX in XXXX AZ on XX/XX/2019 and he refused to identify himself, was very argumentative and refused to give me any identifying ID other than say he was XXXX and gave no employee ID # despite my repeated requests. He told me I paid it too early despite paying it AFTER the statement closed and payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX Unauthorized Inquiry not my account. 

I have contacted Transunion about each inquiry that was Unauthorized not did I know about it till I actually pulled my credit report. I sent them a letter disputing each inquiry and they sent me a letter back stating they needed to know why I was writing them and they denied my dispute. I would like for these inquiries to be removed because they were not made nor authorized by me. I have uploaded my ID and social for proof of identity.