23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My savings account at Bank of America, which has 3 names in one family was suddenly frozen without any warning. I immediately ( within days! ) went to the branch and the manager said that an " XXXX update '' was needed on one of the account holders. On that day the contact information of the individual was updated at the branch but the freeze could not be fixed in the bank, and the account holder had to call a XXXX number. The account holder did so and was told that although all was in order now, it was " too late '' as the bank had already decided to close the account and send the remaining funds to us via check. This account was opened over 30 years ago ; moreover, the account had 3 names and in case they first tried to contact the deficient party, they could and should have tried to reach the other 2 " OK '' parties and warn them about an impending freeze, so the problem could have been quickly solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not allow XXXX XXXX or any loan company and to run my credit. I do not remember opening any cash loans. I was a victim of identity theft. I will upload the police report.
Product: Checking or savings account

I XXXX XXXX have had saving account with Pentagon federal credit union for since XXXX I have used this account for all deposits for retirement and my employment all funds was deposit deposit in my saving I had a open check-in account but since I do n't write checks I never really used it just to maybe transfer money into XXXX. All vacation checks refunds from taxes. Around XXXX of XXXX I started missing funds from my saving account I contacted social security and XXXX XXXX because I could not pay my rent or medical insurance.Around XXXX XXXX XXXX
Product: Mortgage

I have had an ongoing problem with United Wholesale Mortgage paying funds from my escrow account to the wrong parcel for property tax. They tell me that the problem has been corrected but it hasn't. According to XXXX XXXX XXXX XXXX XXXX, There is still over XXXX applied to the wrong parcel
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been incorrectly reporting payment history to TransUnion, XXXX, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, TransUnion, XXXX, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, TransUnion had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Product: Credit reporting or other personal consumer reports

Please see ATTACHED! 

I have sent them letters to correct these violations on my credit report and after 30 days nothing still has been changed therefore causing further damages and i am not able to get approved for credit and constantly being denied which has lead to financial hardships for me and my family. 

Letters have been sent XX/XX/scrub>XXXX XXXX XXXX
Product: Mortgage

I don't know how to even begin this other than the fact I am extremely frustrated and am dealing with brick walls at this point in terms of resolutions. I was awarded from the XXXX XXXX back in lateXXXX, for a full mortgage assistance for XXXX XXXX, at XXXX application number is XXXX. With the XXXX, payments go out on the XXXX of each XXXX  The first payment went out on the XXXX of XXXX. I called around XX/XX/XXXX after not receiving anything and they said the payment was sent and should have been received by then. It is now XXXX the XXXX and still NOTHING from the mortgage company. At this point, I know for a fact Michigan Mutual have the payments and I am requesting they be found and applied. My electric company, XXXX are receiving the payments just fine. At this point, XXXX have sent MiMutual {$6100.00} and this needs to be found and applied. I also demand that MiMutual apply these payments to the FORWARD XXXX balance and NOT the principle. I have called XXXX and MI no less than XXXX times and am getting nowhere between the both of them. XXXX, are just a call center and are unable to provide check numbers, not even the supervisor ( I tried ) can. XXXX are blaming " the mortgage companies '' at this point. So here I am, writing a CFPB complaint in hopes that this gets resolved and fairly quickly AND is not an issue for the remainder of the XXXX XXXX award. Also checked, many times, the loan number and the address ( XXXX XXXX XXXX XXXXXXXX XXXX  ) were verified to be correct. I want someone with significant rank at MI to look into this and find our payments! Thank XXXX we are not in a foreclosure situation, because thanks to THEIR negligence, we would lose the house! 

Recently : MiMutual says they are " reaching out to XXXX to determine my participation in the program '' this is fruitless and baseless. The problem is the fact MiMutual is sitting on checks they have received and not posting them. My " participation '' is nothing to do with them. However, I provided them the application number and the phone number for XXXX and they have obviously done nothing. Terrible mortgage company.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I XXXX EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX  XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

M & T bank recently acquired People 's United Bank CT and communicated that n account number needed to be changed and used for ongoing electronic payments. They did not clearly state which account was changing. I submitted my water bill under the new account number which was returned as the debit was directed to my savings account not the checking account in which I thought was where the change was to. When I addressed M & T on this over a phone call on XX/XX/XXXX they said they did not cover fees for merchants. This fee is {$20.00} and due to M & T 's failure to properly communicate changes from their acquisition. I was notified of the returned payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHOICE RECOVERY INC Original creditor : XXXX XXXX XXXX XXXX Open Balance : {$200.00} Remarks : Account information disputed by consumer, meets FCRA requirements verified information with insurance and they have a paid claim on file for said service : have disputed this information and have never received a detailed explanation of debt : i have a {$0.00} balance from original creditor and they advised all claims on file and all cost share have been paid by myself/insurance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized access and use of my personal credit information, as it appears on my credit report. Under 15 U.S.C. 1681b, credit bureaus are required to have my explicit consent or a permissible purpose before obtaining my credit information. I have never given such consent, nor was there any permissible purpose for this access.

Additionally, I want to bring your attention to an issue related to the timing of payments as per 15 U.S.C. 1666b. This section mandates timely posting of payments. Any deviations from this requirement must be corrected promptly to ensure accurate credit reporting. 

I request an immediate investigation into these matters and prompt correction of any inaccuracies. Please provide written confirmation of the removal of unauthorized inquiries and corrections related to payment timing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a claim in reference to this company knowingly reporting inaccurate data.My Credit profile has been affected by these Penalties this looks suspicious and deceptive, I demand proof To See valid authorization and the validity of alleged debt. Reporting without proper disclosure Requirements are in direct violation of my Consumer, rights I XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to answer back in 30 days failure to comply with these federal regulation by the FTC u.s XXXX, et seq. ( XXXX form ) I am Maintaining careful record On my communication with your company
Product: Credit card or prepaid card

Roughly on XX/XX/2022, I got a call from bank of America fraud department stating that a credit card/bank application was open in my name and to see if a current charge was made by me. I told them that i never opened a bank of America credit card and that charge was not me. The charge / credit card was that was fraudulently opened was in XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX. This is not my address. There was 3 variations of this XXXX XXXX address on my credit report that the fraud used. I live in XXXX XXXX, CA. not in XXXX, CA. 

I was also told that they tried to open a checking account under my name/ social security. I got a call today XX/XX/2022 by XXXX  XXXX asking if the new application for a bank account was made by me. I told them that i did not apply for anything from XXXX  XXXX. After this call with XXXX  XXXX, i went on XXXX, XXXX and XXXX to freeze my credit reports. While on XXXX, i see that there were multiple attempts on XX/XX/2022 to open an account w/ 3 other banks. I went to Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to speak to a banker. They verified my identity and was able to help me block credit card that I did not open and advised me to file a police report. Bank of America Banker told me the profile under the fraudulent credit card had my same Social security number, name and employer. The fraud used a different address and occupation. They listed the address in XXXX, CA and the occupation as a Nurse. However, my employer, XXXX XXXX is a XXXX diagnostic company and do not employ nurses currently to the best of my knowledge. I believe someone is trying to steal my identity and open Credit card/ bank accounts in my name. My credit score has dropped XXXX points in the last month. 

On XX/XX/2022, I received a letter from discover stating that discover credit card application was received in my name/ social security number. On XX/XX/2022, i called discover to let them know that the application was due to identity theft and was made fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing pursuant to 15 U.S. Code 1681i, which requires credit reporting agencies to investigate disputed information in consumer reports. Upon reviewing my credit report, I have identified the following inaccurate information that I am disputing : Account Name/Number : Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : inaccuracy and Late payment balance, late payment, Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate this matter within 30 days and provide a written response with the results of your investigation. If you determine that the information is inaccurate or can not be verified, I request that it be promptly deleted or corrected in compliance with the Fair Credit Reporting Act.

Additionally, under 15 U.S. Code 1681i ( a ) ( 6 ), please provide me with a description of the investigation, including the name of the person or entity that furnished the information and any supporting documentation used to verify it. 

I have enclosed copies of documents supporting my dispute, including a copy of my credit report with the disputed items highlighted, as well as any relevant statements or correspondence. 

Thank you for your attention to this matter
Product: Mortgage

Sold my house by short sale with an attorney and finalized everything about 8 years ago. I have a letter from Citizens Bank from XXXX Rhode Island stating that my balance is {$0.00} but my credit report states that I owe {$90000.00} This must be a home equity line of credit from the home I sold 8 years ago but it keeps coming up on my credit report. Can you help me resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Debt collection

After finding a collections account on my credit report, I contacted XXXX XXXX, who had reported me to Receivables Performance ( filing a separate complaint about them ) for {$350.00}. I have never heard of this company or had an account with them. Initially XXXX said there was no account with my name when I called them XX/XX/21 at XXXX. They told me to file a police report and email that and my photo ID to them at XXXX. This seemed odd to me. I called again XX/XX/21 and asked how they could have reported me to collections if there was no account in my name. Then they found an account with my first name and my last name spelled XXXX instead of correctly as XXXX. They wouldn't give me any additional information about this account, but instead told me I needed to contact the collections agency to get the account number, address and date of bill from them. The collections agency says to leave voicemail, but then has a full voicemail box, so I couldn't leave a message. When I asked to speak to supervisor I was told there weren't any as company was under bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 6 disputes with Equifax for hard inquiry removal and they say it's factual within 5 minutes of my filing. They refuse to do any investigating. 

I have contacted all of below companies multiple times that ran inquiries and they are aware I'm filing police reports today about the matter. Equifax tells me to have company remove them ... companies tell me to have Equifax remove them. 

These are the companies who fraudulently ran my credit : -- XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX ( XXXX Inquiries ) -- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX It's not allowing me to put social security number on this form ... last XXXX are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit card or prepaid card

I was a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day. 

Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others. 

After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores. 

Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards. 

I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.
Product: Money transfer, virtual currency, or money service

My phone was stolen on XX/XX/2023 around XXXX. On my XXXX  watched I received a notification saying my account was used to send {$200.00} dollars to someone I did not authorize via Cashapp. I immediatly logged in to Cashapp on my friends phone and contacted support, where they disabled my card due to the fraudulent activity and made a dispute on the transaction. I then called support to double check that it was filed and was hung up on 4 times before I gave up. I was informed today that they will not be refunding me my money because they said I did the transaction. I called them and was on the phone for over an hour filing another dispute and was hung up on. I then get an email saying they had already informed me of their decision and to refer back to the previous claim when I was told we were starting the process over again. I asked why it was denied and they could not give me any specific reason other than they think I did the transaction. I have never disputed a charge with them. I requested documentation as to why they denied me and I all their reasoning was, was to show me the transaction and when it occured and said I did it. There was literally no proof just the amount of the transaction and date, and they said because of this I did it. This is a lot of money to me and getting no support from a company I use and support often is not right. The way I was hung up on multiple times and not given clear information of why I was being denied is not right. I just want my money back.
Product: Checking or savings account

SOFI was the company involved Merchant Name : XXXX  XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$210.00} Merchant Name : XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$23.00} Merchant Name XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$34.00} Merchant Name : XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$73.00} Merchant Name : XXXX XXXX  Transaction Date : XX/XX/2024 Transaction Amount : {$46.00} Merchant Name : XXXXXXXX XXXX XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$80.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$57.00} Merchant Name : XXXX AND XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$54.00} Merchant Name : XXXX XXXXransaction Date : XX/XX/2024 Transaction Amount : {$87.00} Merchant Name : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$25.00} Merchant Name : XXXX XXXX - XXXX Transaction Date : XX/XX/2024 Transaction Amount : {$42.00} My card was stolen and I didnt realize it until to late. I knew there was money in my Sofi account so I usually dont go in there to look and see very often usually only on paydays and I usually dont take my Sofi card out with me ( due to XXXX XXXX being a thing ) unless I go to dinner so I figured thats where got stolen. So I went it and saw all of these random charges over XXXX dollars and it threw me off really bad. I filed a dispute with Sofi and only after 2 days they decided to close the dispute saying that there was no signs it got stolen even though I dont shop at those places I am a man. I reopened it back up and only after a day they denied my dispute again, Ive contacted support multiple times with no help and they wont talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute foXXXX XXXX XXXX XXXX, it was not my account someone opened it in my name, experian investigated it and said '' '' it was accurate '' it was opened XXXX it has a balance of $ XXXX never opened this and i don't know anything about it. they won't take it off my report, there never been a payment made on it and if you look at my payment history i have never been late or missed a payment in my life my credit score was in the 800 's and since some one has taken out credit cards and loans in my name my credit score is in the 600's.thank you