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

To whom it may concern : Good afternoon, my name is XXXX XXXX and I hold a spend and savings account through credit karma. I am reaching out to you because I have exhausted all my other options when it comes to resolving this matter. My account has been frozen/locked since last Friday, XXXX, XXXX, 2023. Today is now Thursday, XX/XX/2023. I have followed all the steps given to me to get it unlocked and there still hasnt been a resolution. I have spoken with supervisors as well as customer service reps and theyve all told me to send in the required documentation via email which Ive done and I still havent gotten a response. With my account being frozen, I am unable to do anything. I was basically left stranded with no access to my funds in my account. This issue has also caused me to incur extra charges because my bills have been returned. I have filed a complaint with the FCC and the XXXX XXXX XXXX. This matter needs to be resolved immediately.
Product: Bank account or service

I opened a Citi Gold checking account with promotion code XXXX. This promotion was for XXXX Thank You points. I met the terms of the promotion. On multiple occasions I called and asked if I was enrolled in the promotion and I asked when I would be receiving my points. I never got my points despite Citi informing me that I was enrolled in the promotion and met the terms of the promotion. Eventually I opened a support ticket to get my points. Citi then stated that I was not targeted for the promotion and that I already had opened an account recently with Citi which disqualified me from the promotion. This is not acceptable. Citi should not inform me that I met the terms of the promotion and was enrolled in the promotion only to tell me after I met the terms of the promotion that I was not eligible to receive the promotion. This is completely unacceptable behavior. I have been reading accounts about this happening to many other individuals online. Citi should honor its word.
Product: Credit card

I am disputing the collection account with NAVY FEDERAL CR UNION account number XXXX, dated XX/XX/2018, with a balance of {$4900.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NAVY FEDERAL CR UNION provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Value : XXXX Date : XX/XX/XXXX Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX I don't know this collection. Someone used some of my personal information to pay for a rented apartment in XXXX, Texas, I have never lived in the city of XXXX or lent my name to someone who lives there. this account is identity theft.
Product: Credit reporting

I checked my credit files on XX/XX/2017 to find that US Dept ED- Direct student loan has sold this loan but this information is being reported on my credit reports by both servicers please. The US Dept ED information is inaccurrate. I 'm asking them to delete their account from my credit files XXXX, equifax and XXXX because they are no longer handling this account and it is being reported twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen by someone I knew back in XX/XX/XXXX and several accounts were opened with my social but a slight change in my name. I had to go to the police station back then and fill out an affidavit to report the fraud. It is now XX/XX/XXXX, XXXX and XXXX has my correct name, address and date of birth, but for some reason Transunion still has the name the person used in XX/XX/XXXX, along with their address and date of birth they used even though this information does not match my social. I 've also noticed that my Transunion score is around 30 points lower than the other 2 bureaus. Transunion also has my former employer 's information listed, and collection notices were sent to the corporate office of that employer with out my consent.
Product: Debt collection

I received a voicemail from unknown number stated they were going to serve me papers and if I wasnt home to get served that would be Me admitting the debt owed. 
I returned their phone call XXXX with reference number XXXX. Spoke to XXXX XXXX- he knew the last 4 of my social. My previous address and current address. He said I owed Huntington Bank {$980.00} in overdraft. I stated I havent had Huntington this is fraud. He said when I am served the papers that it will tell me how to dispute. 
I was never served time and day he said they would be there. 
I called him back like Im concerned because I know its Fraud and I wanted details of fraud. Why was I never contacted in mail and now its going to court. 
He said he was XXXX XXXX department and the collection agency wouldnt have my current address. 
He lost his temper really fast when I tried to get documents on this debt. 
He yelled at me and said Do I need to spell this out for you and when I said Yes. 
He Yelled good luck in Court and hung up. 
I contacted my local Court and there are no pending papers to serve me and no documentation of this civil suit or debt.
Product: Credit card or prepaid card

I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that Experian credit reporting agency, block information appearing on my consumer credit report. That is the result of Identity theft and fraud within XXXX business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  under the account XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by Experian which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XXXX. I statrted a money transfer {$1900.00} or XXXX Pesos Colombiana with XXXX XXXX XXXX the XXXX XXXX XX/XX/2021, the transfer was to go to my futture step son XXXX XXXX XXXX. The monies were for XXXX XXXX XXXX needs to be paid in cash XXXX XXXX XXXX XXXX. The transfer ID with XXXX XXXX is XXXX XXXX XXXX as it is still being held up for unknown reasons. 
XXXX. When XXXX tried to retrieve the cash he was told in was being held up but no reasons were issued. 
XXXX. I reviewed the transfer and it suddenly and very unexpectedly on Hold with a 5 day suspension or cancellation policy XXXX. As of XXXX XXXX the money is still being high jaked and I want the funds returned to the accouunt which I statrted the process XXXX. I have called the number to attempt to release my money but the XXXX became very difacult XXXX. The agent asked me several questions the use of money? my passport number? and frankly more than really needed. The agent told he would have to call me back at my XXXX cell number on file, I explained that it was not in service while I was in XXXX XXXX. I am tring to get the money relesaed using my XXXX XXXX agent but at this point I feel the ongoing matter is out of hand, it has costs me time, money etc XXXX. All I want is my money back because I am unable to be varified via phone number not currently in service XXXX. I have open a XXXX account but again all attempts have been stone walled
Product: Money transfer, virtual currency, or money service

On or around the XXXX XXXX I logged into my Blockchain.com wallet, not having logged in for some time. When I attempted to make a transaction I was asked to verify my identity. I believe I submitted all the details needed but when I try to get access to my wallet through the 'Get Full Access ' button I get the message 'Application submitted. You've successfully submitted your application. A XXXX Support Member is reviewing it now '. This was over a month ago and there has been no progress and the 'Verify My Identity ' section shows it as still pending. 

I am unable to transfer any funds out of my wallet until my identity has been verified. 

I therefore contacted Blockchain Support to explain the situation. 

On Saturday XXXX XXXX I received an email from Blockchain saying : 'Thank you for your patience. The relevant team is actively working on a resolution to your Blockchain.com account issue. It requires further attention on our end, and we sincerely apologize for any inconvenience caused. We will prioritize addressing this matter and getting back to you promptly. 

Thank you for your understanding and patience as we work to resolve this. ' I heard nothing further and so opened a follow up ticket with their support center requesting the issue be resolved. On Monday XXXX XXXX I received an identical message from Blockchain to that above, saying they are working to resolve the issue and would get back to me promptly. 

I have also sent two complaints to Blockchain.com via their support center but again have had no response.
Product: Mortgage

Mortgage information : Lender/Servicer : Mr. Cooper Loan Number XXXX I recently received a letter from my mortgage company dated XX/XX/XXXX and received on XX/XX/XXXX which states " Our records show that your hazard insurance expired, and we do not have evidence that you have obtained new coverage. ( in bold ) Because hazard insurance is required on your property, we plan to buy insurance for your property. You must reimburse us for any period during which the insurance we buy is in effect but you do not have insurance. '' On XX/XX/XXXX I had my evidence of insurance faxed to Mr. Cooper and I called them at XXXX XXXX  on XX/XX/XXXX I spoke to XXXX to notify them that I have insurance and evidence was faxed and to not buy insurance on my behalf. I asked XXXX to put detailed notes on my file. 

On XX/XX/XXXX at XXXX XXXX I contacted XXXX in customer service and she confirmed that they received my evidence of insurance and that my account has been updated. I requested a follow-up letter to be sent. She informed me that she is not capable of sending a letter. I asked for her manager who wasn't in work yet and would call me when she arrived. Her name was XXXX XXXX and she never called me. 

On XX/XX/XXXX at XXXX I called customer service and spoke with XXXX XXXX He understood the situation and told me he would patch in the escrow department, specifically the hazard department and I spoke with XXXX. XXXX confirmed insurance will not be purchased but she " can't '' send a letter confirming. I explained that the letter Mr. Cooper sent me specifically stated that they plan to buy insurance and that I require a letter stating they are not going to buy the insurance. She told me that it's policy not to send a letter. I hung up on her. 

My concern is that someone in the organization may pick up the file and mistakenly purchase the insurance and all I have is " he said, she said ''. I think a brief letter stating that Mr. Cooper will not be purchasing the insurance is a reasonable request and my protection. I tried contacting the executive offices but you can only be switched to customer service or the line automatically hangs up. There is no other contact information for any of the management team as Mr. Cooper management has no inclination to be bothered by their customers. If I had the option I would get rid of Mr. Cooper as fast as possible. 

Can you please assist me in receiving a letter from Mr. Cooper stating that they are in receipt of my evidence of insurance and hazard insurance will not be purchased on my behalf. Thank you for any help you can offer. 

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

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 2 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.
Product: Bank account or service

I opened a Bank of America account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Bank of America is earning XXXX from this policy which becomes a tax, especially on low income earners.
Product: Debt collection

The debt is still on my credit report. The debt is too old to be collected and has already been removed from my report by Midland Credit Management, however it is once again back on my credit report. I want the debt that Midland Credit Management is trying to once again collect to be removed from my report. I have contacted them on numerous occasions, however they keep putting it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back. 

I want the items I disputed in my letters to be removed off my credit ASAP. I am trying to buy a house soon and need the bureaus to respond. Please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Be Advised I am writing to report that Experian is falsely reporting a public record on my credit report and I have written to this company via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still the account remains. I have also advised them to please send me copies of the documents that they have in their files used to verify the accuracy of the account. I have n't received any verification and via the telephone call that I made to their company and agent by the name of XXXX advised me that XXXX XXXX is the ( third party agency ) that provided them this public record. On XX/XX/XXXX I sent via certified mail a letter to XXXX XXXX to dispute this record. On XX/XX/XXXX I received written documentation that an investigation has been done and in conclusion this record was removed. On XX/XX/XXXXI sent the supporting documents to Experian and they still have n't complied. I have spoken with XXXX and XXXX on XXXX, I have spoken with XXXX on XXXX who advised me that she would resend the dispute over to compliance for review and I would receive a call within 48 hours business hours and still have n't heard from Experian. I also took the liberty of contacting XXXX XXXX on XX/XX/XXXX and spoke with a Manager by the name of XXXX at XXXX XXXX and she advised me that this item was removed off my records Experian she be following suite and updating appropriately.
Product: Debt collection

I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern : I am writing to dispute several unauthorized credit inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : Details of Unauthorized Inquiries : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Miscellaneous Reporting Agencies Contact Information : [ No address or phone number provided ] Action Requested : I kindly request that you : Remove the inquiries from my credit report. transunion XXXX and XXXX  Provide written confirmation of the removal.
Product: Mortgage

PennyMac failed to pay my homeowner 's insurance on time from my escrow account resulting in me have to call both PennyMac and my insurance agent to ensure that my house would be covered during the lapsed period of time. This is the basic job of an escrow account and PennyMac has shown an inability to perform that job. I requested deletion of my escrow account, however PennyMac will not provide me relief from their terrible " service ''. If my mortgage servicer can not do its basic job, then I should be able to remove the requirement for my money to be escrowed by them. The only person suffering here is me. There is no penalty to PennyMac for failure to do their job.
Product: Debt collection

There is a charge for {$140.00} to XXXX XXXX XXXX that was charged of and is still reporting a balance, also capitol one report a debts of {$700.00} but the charge shows as charged off as in they received payment from IRS in 1099
Product: Credit reporting or other personal consumer reports

I froze my credit on all 3 reporting agencies. Then I took the freeze off all 3 agencies for an application to receive credit. After the application process was complete. I froze my credit again on 2 of the 3 as Equifax, refused to re-freeze my credit and would " NOT '' provide me information on how to do it myself!!! I tried over the computer on their website, of which I am a member, I tried many times over the phone with no success.

Please help me to get Equifax to re-freeze my credit, as there has been a tremendous amount of Identity theft recently.

Thank You
Product: Debt collection

XXXX XXXX added a collection account to my three bureau credit reports for {$1000.00} in XX/XX/XXXX. It lists the original creditor as XXXX. I closed my XXXX account in XX/XX/XXXX. I never received written notification of a presumed debt from XXXX XXXX and I never had a debt from XXXX. I have been XXXX with the military since XX/XX/XXXX and under SCRA protection. I believe XXXX XXXX 's practices to be illegal but they wont remove the items and it has dropped my credit score 40 points.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was a victim of a fraud scam on XXXX for concert tickets and a fraudulent XXXX transaction. The XXXX XXXX was made on a friends XXXX page ( XXXX ) that the involved parties know personally. The XXXX account the money went to for concert tickets matched the same name of the friend we thought we were talking to. We were under the impression that we were corresponding with our friend as well as her correct XXXX account, as the names matched. We sent the payment of {$1200.00} for the 4 tickets and shortly after we were made aware that this friends XXXX page had been hacked and there were no concert tickets being sold. I feel that the bank should offer more protection with transactions because how was I able to know I am not sending to the correct person when the name of the XXXX account was registered to the same name as my friend I thought I was corresponding with. We never received any tickets, or any money back from the person who hacked my friend XXXX and scammed me and possibly others. My bank, US Bank, denied my fraud claim. I have filed an appeal and am awaiting a response. They have not asked for any evidence that I could absolutely provide to help the investigation and prove this was fraud.
Product: Debt collection

I received notice that I owed a collection. I sent the stub back asking for Verification and proof as I paid it in full. There was not anything sent back and now it is on my credit.