23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX, I'm reaching out in hopes to get help with a situation I am going through with Bank of America. I fought back and forth with unemployment for 3 months to collect my funds when I finally was approved and the direct deposit hit {$5000.00} was transferred to an unknown account this was on XX/XX/XXXX I reported it to the claims department and they refunded my money and sent me a new card with a chip in it I received the refund on XX/XX/XXXX and then on XX/XX/XXXX an ACH withdrawal was transferred my account again in the amount of {$3500.00} I then call and submitted another claim and questioned how did this happen again when they made me go through different measures of security when it happened the first time. So now BOA is denying my claim and they said that they would send me the findings for their decision, they never did so I called them to inquire about it and they told me that the findings were no longer available because I requested a reconsideration so now the prior investigation has been wiped out and a new one started. I filed a police report I have also contacted XXXX  and BOA called me within 4 days of submitting the complaint and they left a phone number with an extension that does not connect you anywhere. They gave me a deadline of XX/XX/XXXX to submit further documentation but did not tell me in the message what it is they needed. So I submitted that complaint to BBB and they called me again I went to answer and the person hung up. When you go on the BOA complaint website you will find several people that they are doing this too. I need help retrieving my funds it has been a hardship on me and I can't seem to get through to them. I've called several times and first, they said I didn't have a claim now they said I had to submit a new claim which they declined now they are dragging their feet in showing me proof in their findings. If anyone could help me it would be greatly appreciated. 

My contact info is XXXX XXXX Thank you, Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw that inaccurate accounts had suddenly appeared on my credit report. I check my report frequently, and everything has always been fine until now. I thought it might just be a glitch, so I refreshed my browser, but the incorrect accounts stayed. Because of this issue, Im urging that the documents I sent be properly reviewed to ensure I never have to deal with this kind of stress again.
Product: Checking or savings account

I have contacted XXXX XXXX XXXX on several occasions explaining what happened with this account & that XXXX  XXXX XXXX has already deleted this information but they continue to report it. It has been well over the time to have this account removed but they continuously report it & is preventing me from opening a checking account which is hurting my family. My son is XXXX and I need an account to make sure his money is secure, I have to prove that the money is going into an account for him but I can't because I am not able to open a checking account. My son may lose his benefits due to this issue.
Product: Credit card or prepaid card

Bank of America Visa cards have had a feature called XXXX for several years. This allows the card owner to create a new referral number with restricted value and expiration, thereby not exposing the actual card to online merchants. 
This past weekend a message occurred every time I attempted to create XXXX numbers saying the system was undergoing maintenance and no new numbers could be created. After 3 days, I contacted customer service and was told the maintenance was done on Friday, XX/XX/XXXX and it included a new restriction that only 20 XXXX numbers could be created during the life of the card! There was no advance notification by mail, email or alert and the online help system does not state the restriction. This is unreasonable since it is a protection to both the user and the bank. Had notice been given, advance referral numbers could have been created for later use. Also, the current message is inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX ACCOUNT : BANKRUPTCY XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX XXXX  account number XXXX. XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 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 XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Product: Mortgage

Mortgage was refinanced. I paid for an appraisal which came back value XXXX agent appraisal. The refinance was Based on XXXX. After a Va appraisal was done again it came back at XXXX an the Appraisal guy stated to me I had XXXX equity At the closing the agent did n't show up an I was Ripped Off! XXXX XXXX XXXX agent XXXX XXXX changed the paperwork an I sat there alone at the closing unaware. To my knowledge everything was based on XXXX!
Product: Credit card

I consider the account to be invalid. CITIBANK , N.A . must verify under oath that this claim is legitimate, free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Additionally, the alleged account should have been transferred in good faith with the consent of all parties involved. If they can not provide this sworn verification, I request the account be removed from my credit record and their records.Citicard XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account US DEPARTMENT OF EDU ( Original Creditor : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : US SM BUS ADMIN ODA - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion  : XXXX   XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXXXXXX   XXXX - XX/XX/XXXX XXXX  : XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC {$380.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : FCRA/UCC law , this item must be deleted, or we will pursue civil action.
Product: Debt collection

I initially signed up for a one year service contract with XXXX from a man who had come door to door during the summer. I paid for the contract with my credit card and was told that they would email me the documents, which I never received. There must have been a mix up, because they called shortly after I initially signed up stating that they had not received payment, so after checking my account I again gave them my credit card information. They performed the services for the year that I had agreed to. 

The contract expired and XXXX automatically renewed it without my authorization. I attempted to call several times and was placed on hold for long periods of time. I finally reached them on XX/XX/21 and they cancelled the contract, but continue to bill me and have now sent my account to collections. I reached out to XXXX directly on XX/XX/21 via text and they told me that if I paid what was owed they would reverse the credit reporting, but I do NOT owe this debt. I asked the gentleman to send me a copy of the contract that I signed and he emailed me a blank copy of a contract that said contracts would be automatically renewed, but since it was a summer sale he was working with the branch to get a copy of the contract with my signature. I still have not received anything. 
I have also disputed this debt with the collection agency that XXXX is using. 
I do not want this one issue to tarnish my good credit record and I believe I have been more than fair in trying to resolve this issue.
Product: Credit card or prepaid card

Around XX/XX/2021 I applied for a Rooms to Go credit card with Synchrony Bank. After applying for the card I was told they need more information and to call a number. I called the number was told I needed to do the ID Verify via my cell phone. Went to the website once I put in my information the site said it was blocked and to call a number if you need assistance. So I called had them unblock the site and did the video and submited front and back of my Drivers license. I called back and was told the application was denied and that I will need to wait for the decision letter to come. On XX/XX/2021 I get a email from the bank saying they have my decsion letter was ready. I accessed the letter it says " To protect your identity, we checked data sources to verify information on your application. These databases may include, but are not limited to, public records, phone directories or social security databases. 
Additionally, our customer service agent might have asked you questions to verify your identity. 
Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. 
Thank you for your application. If you have any questions on this letter or our decision to decline your application, '' I am not sure how they can not feel confident it is me when I did a whole video with my ID on there website.
Product: Vehicle loan or lease

In 2019, I opened a auto loan with Credit Acceptance Corp. During the signing, the dealer acted as if he was doing me a favor due to me having horrible credit. As a XXXX XXXX XXXX single mom, I knew nothing about interest rates or credit. So I blindly believed him when he mentioned I had been approved. I believed he helped me, only now to discover he fraudulently fixed me up with a huge interest rate loan with Credit Acceptance Corp, a loan I should've never been approved for. Recently, I've decided to look over my credit report and realized that the balances they have listed on my report do not match the balances Credit Acceptance Corp has on my contract. This led me to look over my contract for my vehicle completely. I was surprised and shocked to realize I have a 22.99 % interest rate. This was never explained to me and exceeds the maximum interest rate allowed in my state. I have payed thousands for an extended warranty that the dealer led me to believe was necessary, but states on the contract it is optional. The contract has me ( the buyer ) as the co-signer and my actual co-signer as the buyer. Credit Acceptance has made my life extremely difficult these past few years, due to me having to choose between paying my loan or rent. I had to go without important things just to pay them, and even gave my entire work check to this loan for years.They harass me daily with a minimum of 10 aggressive phone calls. I have already payed over {$21000.00} and they are still attempting to try to collect thousands from me. I am a victim of Predatory Lending. I have proof of everything i'm stating in this complaint.
Product: Debt collection

I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.
Product: Mortgage

We are homeowners in PA in XXXX XXXX and are in need some assistance. Any help is appreciated. 
We had a 2nd Mortgage through GMAC Mortgage Co XXXX XXXX. The mortgage was taken out on XXXX, for {$40000.00}, loan # XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. As I understand this both companies are now out of business. I have a letter from XXXX that the mortgage lien was paid off XXXX. We refinanced it through XXXX XXXX XXXX XXXX into our new 2nd mortgage on XXXX. My problem is that is still showing up on my title search report. I am in need of a Satisfaction letter to be sent to the Recorder of Deeds Office in XXXX XXXX Pa so they can record the Satisfaction and remove the lien on my property. 
Ive done quite a bit of work researching this, and have had no positive results. I can not find the current Agent of Record that I can speak to and obtain the aforementioned Satisfaction piece. Please Help. 
Ive included for your review : a copy of that mortgage, a letter from XXXX stating that there is no lien to remove as it is satisfied, a copy of the title search showing the lien is still active on my property, an excel sheet listing the places Ive reached out to and the results, as well as a trail of emails that show weve tried working on this with other companies. 
Ive filed complaints with XXXX of XXXX, Federal Reserve Board, Attorney General, and XXXX XXXX XXXX. 
I dont have the money to file a quiet title with a lawyer, and Ive already paid once in my loan to satisfy this. 

Please help ASAP, as were trying to refinance to combine our mortgages into one right now. This is causing the hold up.
Product: Credit reporting or other personal consumer reports

I recently rewiew a copy of my credit report and notice I had fraudulent accounts on my credit report.please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

JP Morgan Chase is in Direct Violation of The Fair Credit Reporting Act for my account This company violated several of my rights including 15 U.S.C 1681 section 602 A. Which states that I have the right to privacy. 15 U.S.C 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 demand these late payments be removed and updated on this account immediately and because this was the reason my account was closed and charged off. I want the charged off status removed also, as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

My PayPal was used to make unauthorized purchases of {$100.00} twice on XX/XX/XXXX. This was solved and I was refunded the money. I changed my PayPal email and password, ordered a new debit card through my bank and, and setup 2FA on my PayPal account. Then on XX/XX/XXXX, a money transfer of {$1200.00} was sent using my PayPal account, and a {$300.00} gift card was purchased using my debit card through PayPal. The {$300.00} charge was unable to be dealt with on PayPals end because it didn't show up in my account. However, I opened a dispute for the other transaction, only to have it be closed within a minute or two. At this point I called my bank ( XXXX XXXXXXXX XXXX XXXX ) and canceled my card, created a new email account and changed my Paypal password and email. The new email was used for the email setup part. 

When I attempted to contact PayPal via phone, I was told that they are not accepting phonecalls. I attempted to contact them through their message service on their site twice but was never transferred as promised by the service agents I spoke with. Before being " transferred '', both told me they would not give me a refund because the dispute was closed and had been labeled as " not unauthorized '', and it was impossible to open another dispute. 

When i checked my Paypal messages the next day, I noticed a reply from " me '' that was not made by me. This stated " no problem here, thanks '' or something to this effect. This message was sent at XXXX EST, a time that I was asleep and all my devices possibly able to access PayPal were off. From this I realized that my account had been completely compromised. This was the reason why my dispute with Paypal was closed so quickly. This is after changing every account setting and using every possible security measure. 

I also used virus and malware scanners on every single computer ( 1 XXXX and 1 PC ) I had ever accessed this account on. I also checked my phone for the same ( Android ). No issues were found. I am highly suspicious that this access is being made by an employee at PayPal, and my inability to contact them and have them investigate this has been extremely infuriating and has dealt me a great deal of anxiety wondering how much more my finances will be damaged. I had no other choice but to file chargeback disputes with my bank, and to close my PayPal account. 

As a final note, I recall the Paypal rep I spoke with after the XX/XX/XXXX incident telling me that the charges were made from the " same IP Address I used to sign in normally with ''. This is even more suspicious now after doing extensive virus scanning and my devices not even being powered on during the illicit message that was sent using my account. 

I am fed up with PayPal and their complete neglect of security and basic customer service. I will do everything in my power to warn others of this experience and hopefully prevent others from suffering from the same. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never apply to this bank or gave them permission to use my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Comenity Bank for an unauthorized inquiry to my consumer report ; demand {$1000.00} settlement. XX/XX/XXXX it was delivered to Comenity Bank and sent to my address XX/XX/XXXX.