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

XXXX XXXX- Tried to withdrawal funds from Goldman Sachs Marcus XXXX ..... It repeatedly failed .... 
Step 1. customer service says there's a restriction on my account, preventing me from making transfers...

Step 2. Transfer funds TO the account.

Step 3. Ask why I'm able to make deposits?

Step 4. They say Fraud has detected suspicious activity on your account and placed a hold.

Step 5. Ask why I haven't been informed of this, and Why i that is the case Im able to make deposits under the pretense I can get it back...

Step 6. Call the phone number they supplied.

Step 7. Verify my Birthday, Social, Secret word, and full name with customer service, get directed to Fraud team .....

Step 8. Fraud team says my State ID doesnt qualify for authentication, and neither does the phone number that I use to verify when I login ..... I asked why it doesn't qualify... I was repeatedly told they can not tell me, and will not discuss details of my account or their processes .... I will have to " submit a case '' and will be contacted in 3-7 business days.

Step 9. Ask which department will be contacting me and asked to speak with them. I was told No.

Step 10. Ask if there is a supervisor I can speak to. I'm directed to another agent... 
Step 11. When I am told there is nothing they can do, and my single only option is to speak with the other team who will contact me in 3-7 business days, I ask to speak to a supervisor or HR, or Customer feedback center. I am given XXXX information and told that no such department exists, and I am unable to contact them myself ..... 

I am completely unable to access the funds in my account, Marcus is entirely unable to provide a reason why, and is purposefully giving me the runaround and not informing me why they are unable to authenticate me despite me being able to log in and receive one time pins for every other account action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove/delete the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect.XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my credit report. I Consumer, XXXX XXXX notice that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d, '' Any bad debt furnished on your reports is ruining your reputation and its defamation of character. I have attached my FTC report and my license and ssc.
Product: Debt collection

They left me a message stating they were attempting to collect a debt. ( I do not have any outstanding or late debt, I monitor my credit report monthly ) When I called back they asked me if I used to go by the name XXXX XXXX XXXX ( my maiden name ) and then asked me to supply my dob. I did not. When I asked them what supposed debt they were calling about, they said they needed to verify my information XXXX. When I asked what kind of company this was, they said vaguely " financial services '' I asked them to clarify repeatedly and she would not. I then asked what else was needed to verify my identity in addition to a birth date ( I did not give them that much ) and she said the last XXXX of my social. I told them, '' Absolutely not '' and hung up. This company has more online compalints than I could have imagined and would not give me any information without asking for my personal info first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and XXXX with navy federal bank under the fair credit act 15USC 1681A
Product: Credit reporting or other personal consumer reports

Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named CB Indigo better known as Concoria on my XXXX credit report. I have been monitoring my credit like a hawk over the last XXXX  months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through XXXX yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company CB Indigo and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to XXXX to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with XXXX I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the XXXX  time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 than seven years.

15 U.S.C 1681 s-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 or other personal consumer reports

Concurring to the Reasonable Credit Detailing Act 15 USC 1681 area 602 a states '' There may be a have to be guaranteed that buyer announcing offices work out their graveresponsibilities with reasonableness, unbiasedness, and a regard for the consumers rightto privacy. '' Equifax and XXXX are buyer announcing organizations and I am theConsumer. I have the proper to form beyond any doubt my private data isn't shared whichis supported by 15 USC 6801 which states '' It is the approach of the Congress that eachfinancial institution has an certifiable and continuing obligation to regard theprivacy of its clients and to secure the security and privacy of thosecustomers nonpublic individual information. '' ( Furnisher of data tocredit offices ) could be a monetary institution by definition beneath that title. 15 USC1681 segment 604 a segment 2 states that " In common Subject to subsection ( c ), anyconsumer announcing office may outfit a buyer report beneath the followingcircumstances and no other : in agreement with the composed enlightening of theconsumer to whom it relates. '' ( Furnisher of data to credit offices ) thefinancial institution and the Customer announcing offices Equifax and XXXX not have my assent to outfit this data and they without a doubt don't havemy composed assent. Any and all assent to Equifax, XXXX, ( Furnisher ofinformation to credit offices ) whether it be verbal, non-verbal, composed, impliedor something else is denied. 15 USC 6802 ( b ) ( c ) states that " A money related institutionmay not uncover nonpublic personal information to a nonaffiliated third partyunless the buyer is given an clarification of how the shopper can exercisethat nondisclosure option. '' ( Furnisher of data to credit organizations ) Neverinformed me of my right to work out my nondisclosure choice. Not as it were that 15USC 1681C ( a ) ( 5 ) states '' But as authorized beneath subsection ( b ), no consumerreporting organization may make any customer report containing any of the followingitems of data Any other antagonistic thing of information, other than records ofconvictions of violations which precedes the report by more than seven a long time. '' Thisaccount is an unfavorable thing they are announcing once more without my consent which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A individual should notfurnish any data relating to a buyer to any customer detailing agencyif the individual knows or has sensible cause to accept that the data isinaccurate. 15 U.S. Code 1681e states '' Each customer announcing organization shallmaintain sensible strategies outlined to maintain a strategic distance from infringement of area 1681c ofthis title and to constrain the outfitting of shopper reports to the purposes listedunder area 1681b of this title. Equifax and XXXX are not maintainingreasonable strategies. Moreover 12 CFR 1016.7 states that " A shopper mayexercise the proper to select out at any time. '' I am picking out of your reportingservices.
Product: Credit card or prepaid card

US Bank sent me a ReliaCard that I didnt apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, This is my fourth dispute over the past couple of months I have file in regards to Equifax, XXXXXXXX and XXXX violations and none compliance of the Fair Credit Reporting Act. Equifax, XXXX and XXXX continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. Equifax continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to Equifax most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to Equifax. 

CFPB, Equifax in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to Equifax, XXXX and XXXX through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with Equifax and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. Equifax knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.
Product: Checking or savings account

I got a text message the morning of XX/XX/2019 as follows : Bluebird : You have opted out for Card ending in XXXX. You will no longer receive text messages from the Bluebird program. 

This was not a request initiated by me. When I tried to log onto my account online I received an error message that my account was locked. When I called the bank the representative unlocked my account over the phone after verifying my credentials. To my surprise my money was missing. There was a transfer from my savings/set aside account to my checking account for {$1600.00}. Then a money transferred out of my checking account for the same amount. I did not initiate either transaction. 

When I notified the representative of the missing money they transferred me to the fraud department. In that transfer I was hung up on. I called back and was hung up on again. On the third call I asked for the direct number for the fraud department and in transfer I was hung up on again. This time I called the fraud department directly. 

I advised them of the unauthorized transactions. To my surprise it was an internal transfer from my account to another account holders account at the same bank. I pleaded with the fraud representative to stop the transfer and was told it would take 10 business days. 

I believe the bank should have did due diligence by placing a hold on the other persons account immediately until verified that I authorized which I did not. The fraud rep refused to or had no ability to retrieve my money from this unknown to me account holder. 

Because it was a internal transfer the bank has the exact persons information that committed fraud against me but did nothing to stop it. No one has my credentials to make any transactions on my account. I believe this was an inside job and that an employee of the company with access to my information is involved. 

Dispute my fraud dispute I want an internal investigation to see if an employee is behind this fraud against me. I have also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Checking or savings account

I've been with Bank of America for over 10 years, and all of a sudden I'm not able to get my funds they restricted my for no reason but will not allow me to get my funds from a branch I have to pay bill and they are telling that I have to wait for 3-5 business days not acceptable can you help, I don't deal with fraud activity not move large amount of money in or out my account. Come in to the branch XXXX at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, tx XXXX to be disrespected by the branch manager
Product: Mortgage

Due to excessive expenses after recovering from Hurricane Milton and being in a federally declared disaster zone, I have communicated via numerous calls and messages to Freedom Mortgage since beginning of XX/XX/ 2024 that I am requesting a Disaster Forbearance plan which would defer 4 monthly mortgage payments to the end of the loan. Freedom Mortgage is not processing this request and instead seems to be trying to force me into a loan modification which would significantly increase my interest rate plus extend the terms of my loan. Freedom Mortgage has also reported to the credit bureaus that I am delinquent and my credit score dropped XXXX points. On top of all this Freedom Mortgage has reported a balance increase of {$2700.00} to XXXX since XX/XX/ 2024 and there's been NO notice sent to me directly about this
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly delete them from my credit report.
Product: Credit card or prepaid card

Attached is a letter from XXXX XXXX Notice of Data Breach regarding my personal information being compromised. The following account is not my account and is a result of data breach, identity theft and fraud : XXXX XXXX XXXX XXXX, {$320.00}. I did not apply for the account with XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my Equifax and XXXX that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within XXXX business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of Equifax and XXXX continuing to violate federal law.
Product: Credit reporting or other personal consumer reports

COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My current mortgage is being serviced by Homebridge, the reason for this complaint is due to moneys that have been sent by my insurance company for the repairs after hurricane Irma.  The check from my insurance came in my and my wifes name along with the mortgage company Homebridge. I have been hiring different contractors to perform the jobs necessary to finish fixing my house. Trying to get Homebridge to these contractors has been an absolute nightmare. I have called over 100 times to try and get checks cut to pay the hired contractors and for some reason or another Homebridge will hold sending payments or state that the check got lost in the mail or that the inspector they hired states the from a simple drive by from the street he can see that only 11 % of the work has been done. Currently I have a roofing contractor performing the repairs necessary for my roof and his contract states that 50 % of the invoice be paid upon receipt of the material necessary to do the job which Homebridge has a copy of that estimate along with the contractors insurance and license. The materials where delivered XX/XX/XXXX for which I took a picture of the materials sitting in my driveway and sent it to Homebridge loss draft department and they confirmed receipt. The roofing contractor has yet to receive his 50 %, the contractor then started to perform the work of which I informed Homebridge by email and by speaking several times with XXXX XXXX, I also left several messages for her supervisor XXXX XXXX 4 to be exact of which she has never had the decency to return any of the phone calls. At this point the contractor has stopped work and has left my roof halfway done because he is not receiving any funds. I have also explained this to Homebridge. They currently hold a little over {$14000.00} hostage because of this mystery inspector that apparently also doesn't have the decency to call me and explain to me how he can see from the street the repairs done to the inside of my home along with the fence repair done 600 ' in the rear of my property and state that only 11 % is complete. Homebridge refuses to give me the inspectors number and has refused to send the necessary payments for me to pay the roofing contractor. It has been like this since they have received the money from my insurance policy. I need help in getting them to release these funds so I can pay the roofing contractor and be done with this nightmare of a process with this company.