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

This complaint is about Bank of America ( BofA ). Claim # XXXX On XX/XX/19 two of my bank accounts ( XXXX XXXX and Bank of America ), as well as XXXX account, was compromised in the form of unauthorized outbound transfers. I filed claims with all companies. XXXX and XXXX conducted investigations and concluded within a few days that it was unauthorized and returned the money. 

BofA informed me on XX/XX/19 that the claim was denied as it was consistent with the pattern of my previous logins given the two-factor authentication code provided matched. See attachment. 

on XX/XX/19 I appealed to Bofa with additional documentation explaining that " Upon closer investigation, we found out that our home network and computer ( a XXXX ) was hacked into and remotely controlled which is how the hacker was able to succeed with these unauthorized transfers money. The hacker was able to overcome two-factor authentication process by using the XXXX desktop application that was running on the desktop computer. This allowed them to intercept the text messages for two-step authentication process ( which would be received on my phone and the desktop app ), use the code, and delete the message ( which would then delete it on my phone as well ) after using without me realizing. Since the attack was done during night time this made it harder for us to notice. '' On XX/XX/19 I received a call from a BofA reviewer, named XXXX, who clearly had not reviewed the additional documentation or did not understand them as I had to explain everything again and after explaining she told me that it seems things are resolved and that she is going to close the case. I explained then that the claim is not resolved as what was resolved was with the other two companies and BofA has not returned the stolen money that was transferred to a completely unknown to me XXXX account ( XXXX ). She then asked if the computer I used had a virus and I told her that the virus scanner did not show any trace of any virus or malware. She explained that then she can not do anything without me proving that there was at least a virus on the computer. I tried to explain to her that a simple XXXX search shows that there are multiple ways a computer can be hacked into and taken over without a virus/malware present. She gave me a fax number in case I could produce documentation that the computer was infected with Virus at which point she would be able to review that. 

I am at a loss about next steps as I am left with burden of proof that I was hacked through a virus, which I can not do and yet the fact that I have not authorized these transactions do not seem to matter to BofA and it appears that by using this method BofA can clear themselves of any responsibility of protecting their customers which is unacceptable. I have taken several steps to reduce the risk of this happening by replacing our router and desktop computer, as well as disabling XXXX app on the new desktop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This USAA FSB account # XXXX is Paid-in-Full and Closed.  However, XXXX  CRA and XXXX  CRA continue to incorrectly report as Open.
Product: Checking or savings account

I trust this letter finds you well. I am writing to address a matter of utmost urgency and concern that I have been facing with my US Bank account. It has come to my attention that my account has been compromised due to identity theft, resulting in unauthorized access and fraudulent activity that I had no involvement in.

I was shocked to discover that my US Bank account was no longer accessible. Upon further investigation, I learned that unauthorized individuals had gained access to my account and engaged in fraudulent transactions without my knowledge or consent. This has not only put me in a distressing situation but has also caused significant financial harm. 
I would like to emphasize that I have taken all necessary precautions to safeguard my personal and banking information. I have not shared any confidential details, passwords, or security codes with anyone. The fact that my account was still breached raises serious concerns about the security measures employed by the bank. 
I have since been in contact with your customer service representatives, and while they have been sympathetic, I have not received the level of assistance needed to rectify this situation. I have been left to bear the financial burden of transactions that were carried out without my consent. 
I understand that incidents of identity theft can be complex to resolve, but I am hopeful that US Bank, as a reputable financial institution, will take immediate action to investigate and rectify this matter. I request a thorough investigation into the unauthorized access to my account and a comprehensive review of the fraudulent transactions that have taken place.

Furthermore, I urge US Bank to work with me to ensure that the financial losses incurred due to this incident are fully reimbursed. It is deeply distressing to be held responsible for transactions that were orchestrated by malicious individuals who have taken advantage of security vulnerabilities. 
I appreciate your prompt attention to this matter and kindly request that you provide me with a detailed plan of action for resolving this issue as soon as possible. Enclosed with this letter are copies of documents that support my claim of unauthorized access and fraudulent activity. 
Thank you for your understanding and assistance in this matter. I look forward to a timely and satisfactory resolution that will alleviate the financial strain I am currently experiencing.
Product: Checking or savings account

My account continues to be placed on a 'fraud alert ' randomly. I have traveled back and forth between XXXX XXXXXXXX XXXX & XXXXXXXX XXXX. USAA continues to withhold my access to being able to use my debit card and it has left me in precarious and dangerous situations. This most recent incident caused me to have to rebook a car rental and have my maid service cancelled. I authorized payment for both of these items, but USAA again placed a random 'fraud alert ' on my account. They sent me a text message requesting I reply back with a " Y '' ( presumably for 'yes ' ) to let them know these were transactions that I authorized. I did so & nothing was acknowledged. I tried to run the transaction another time & it was again declined & I received another fraud alert placing my debit card on another " freeze '' not even an hour later. 

I tried to discuss this with the bank both in the past and today. Their response is wholly uncooperative and unhelpful. I am told that its for my protection and that's all they can do. In the meantime, I am having my transaction declined randomly and in the middle of trying to conduct business. When the freeze happens, they're system does not even work to accept me saying they are not fraudulent transactions. I spoke with XXXX ID # XXXX today who informed me there is no one else in the bank that I can complain to & that her department is the highest up. She went on to state that she can submit a " customer feedback '', but there was nothing more that can be done. She stated this is happening because I am attempting to use my card at an overseas merchant. I have used the card at the same merchant for the last few months as I have travelled back and forth. The fact that my card is now randomly flagged is unacceptable.
Product: Mortgage

We have a loan with Pennsylvania Housing Finance Agency. When I lost my XXXX XXXX I called them to tell them I couldn't make my payment. This was XX/XX/year>. They said that they couldn't do anything until it was XXXX months behind. We received an XXXX XXXXXXXX. We went to get XXXX, through XXXX. PHFA claimed that they didn't receive it and that we didn't qualify. They then proceeded to send us paperwork to fill out. We filled out everything they sent. In XXXX I had {$2000.00} from an annuity, I called them to make a payment. The PHFA sent me to their lawyer who proceeded to tell me that I couldn't make payments, it's all or nothing. It seemed like they wanted the whole {$77000.00}. In XXXX XXXX, the lawyer told the judge that they would work with us and we could make payments. We just got a paper from them that states we have to pay full back due amount and they will not accept partial payments. They told us to reapply for XXXX and PAHAF. We did over a month ago, twice. We have a guaranteed XXXX  backed loan and we're trying to talk to the PHFA but they just send us to the lawyer who says she doesn't know what it is or anything. There's no communication with PHFA, we want to save our home.
Product: Mortgage

On  XXXX   XXXX ,  XXXX , my mortgage was modified b y Ocwen Loan Servicing, LLC. Since then, I have  been paying {$2600.00} of which {$1800.00} was for principal and interest and {$760.00} was towards my escrow account. This is the amount that was reflected on my monthly mortgage billing statements. It has always been my understanding that ou r HAMP m odification included both taxes and insurance.     However, on  XXXX   XXXX ,  XXXX ,  Ocwen noti fied me that my payment was increasing from {$2600.00} to {$4700.00} beginning  XXXX   XXXX ,  XXXX . This payment shock is causing me extreme hardship.     I believe that  Ocwen gr ossly mishandled my modification and escrow account. For   two and half years they did not properly escrow my loan, which created severe deficiency on my loan. I have made several attempts to reach a solution for a such a large deficit in the escrow account.
Most recently, Ocwen informed me that they will only accept a full reinstatement and will not be accepting monthly payments any longer from me. I feel Ocwen   's negligence and unfair business practice is driving me into foreclosure and to displace my family.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The List 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 602 A. Sections2 : It also states a consumer reporting agency XXXX make any consumer report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime 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: Debt collection

I do not know this debt, nor do I know who this collection agency is. I never received any correspondence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TEK-COLLECT INC XXXX XXXX XXXX XXXX DBA XXXX   XX/XX/2018 {$320.00} {$320.00} XXXX XXXX XXXX XXXX, OH XXXX  ( XXXX  ) XXXX this not my account i haven't been to this Dr. in 6years this is a blatant re-attempt to put this back on my report as, it was already removed from my report previously
Product: Credit reporting or other personal consumer reports

I received a notification stating that there was an UNAUTHORIZED inquiry from XXXX XXXX XXXX on XXXX, I also was having issues with my Equifax report and wasnt able to see an updated account score, I am able to view the profile and its showing an UNAUTHORIZED inury from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These UNAUTHORIZED inquiries has affected my credit profile and is hindering me from using my credit. According to 18 USC 1028A these UNAUTHORIZED inquiry needs to be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/XXXX  which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT AGAINST EXPERIAN AS THEY ARE IN VIOLATION OF THE FCRA SECT 609-811 BY REPORTING ERRONIOUS AND FRAUDENT INFORMATION ON MY CREDIT REPORT AFTER BRINGING THIS MATTER TO THEIR ATTENTION SEVERAL TIMES LAST YEAR. I HAVE FILED A FTC COMPLAINT AND PREPARING TO BEGIN LITIGATION IN REF. TO THIS MATTER. SEE ITEMS LISTED BELOW : XXXX XXXX XXXX XXXX BANK INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate and different information from account # XXXX XXXX between experian and XXXX. According to the FCRA, the XXXX reporting agencies have to remove all inaccurate or unverifiable information from credit reports, please remove this from my credit report now. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : 1. XXXX XXXX** Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX  XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} 12. XXXX XXXX Balance Owed : {$0.00} XXXX : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX  XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} XXXX 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX  XXXX Balance Owed : {$0.00} 8. XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have blocked Capital One but the company continues to call. I spoke to a person XXXX XX/XX/XXXX, XXXX, from Capital One. He wanted to know my name and SSN # to verify who I was. I asked what was the call concerning because they have been calling me everday a few times a day since XX/XX/XXXX. The representative said " I called them, I did call because you have been calling me everyday ''. I have checked my accounts for Capital One and no payment is due. I'm on the do not call list. I have not received a late notice, so I think its a scam and not concerning a legit call. 
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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw this inquiry that don't belong to me.
Product: Checking or savings account

Entity : XXXX XXXX XXXX. 
XXXX No. : XXXX Loan Program : PPP Loan Forgiveness Program I have a PPP loan through B  of  America. Since XX/XX/XXXX, I have been trying to resolve this PPP loan so that I can close my account with Bank of America. I was told by XXXX XXXX at XXXX XXXX ) XXXX @ Ext XXXX about two weeks ago that she will link to my account portal to email XXXX of XXXX and XXXX of XXXX. I do not see that link in my account. When calling that number after 20 minutes of holding, all calls gets disconnected over and over again. I need to resolve this PPP loan and end my relationship with Bank of America. Their customer service is a four letter word in capitals for small business. I strongly believe that Bank of America is PURPOSEFULLY DISCRIMINATING small businesses for PPP loan to extract more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had begun conversations with Supreme Lending in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX XXXX XX/XX/2021. This hard credit check was not authorized. 
Upon contacting Supreme Lendings Compliance team, they provided two separate screenshots that did not show permission for running my credit : On Page 6 of the application, theres no signature.

On their provided screenshots, the images do not share what form is being referred to in relationship to eConsent,
and include an incomplete online form that doesnt show any connection to my information.

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXX XXXX XXXX Both of Supreme Lendings representatives ( XXXX XXXX and XXXX XXXX ) refused to do the following : Share which form Visual # 1 is referring to Explain what their eConsent permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX  privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports Reporting agency denied removal. 
Names and address used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXXXXXX XXXX acct numberXXXX XXXX XXXX XXXX acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy.

15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.
Product: Debt collection

My debt to CCS Collections was paid on XX/XX/XXXX. They later reported the account as a collection account to the Credit Bureaus on XX/XX/XXXX. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX Account # 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.