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

My account has been locked under the guise of " Fraud Prevention '' due to " Unusual Transaction Amount '' but it was the first transaction I had made with the account so there is no reason for it to be considered " unusual. '' Now when I try to verify my identity to unlock the account they say that I can either wait for a letter, which I do not have time to do or by making a call to my verified phone number. They say that when they look up my phone number that it is not verified under my name which I know for a fact now is false because I have email confirmation from my service provider that the phone number IS verified under my name. All of this has resulted in me getting a pay or vacate notice from my landlord because I can't access my funds to pay rent. I have told them this and offered to forward the confirmation email but they have refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. Transunion needs to remove the account from my file. 

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

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

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 These accounts need to removed. 
I sent XXXX, XXXX and Equifax a letter opting out of all Authorizations I may have given them. I gave them time and they have not complied. They are in violation. 

Attached below is the letter sent
Product: Mortgage

Guild Mortgage in XXXX XXXX, CA continued to take FHA MIP payments from us even though the home was never insured by FHA. Apparently FHA never got a termite report so our " loan '' and address was in " application status '' only. Guild should return the MIP payments we made. They have never returned phone calls, even when we had the home and were trying to stop the foreclosure. FHA also returned the {$4400.00} FHA fee to XXXX XXXX in XXXX. They kept that money and the office manager XXXX said they shred all records and keep no evidence to support receipt of the refund check. I have contacted several people at HUD and FHA ; they get promoted to XXXX and do not call back!
Product: Credit card

Costco unliaterally switched my credit card account from XXXX XXXX to Citicorp. The information around the switchover was scanty and barely came to my attention. I was tracking the Costco XXXX account online, paying regularly, and the account just disappeared from that system at some point, with no notice or transition information provided there. Mail regarding the new card account was lost in junk mail, among XXXX unsolicited credit card offers, for months, until at some point I wondered what had happened to the account transition, and started digging for information. By this time, although I had never requested the Citicorp-based account, had never activated its card ( since I never saw it ), and had never used it, the account was already frozen for late payment, charging a penalty interest rate of 29.49 %, and damaging my otherwise-strong credit rating. This is an unfair start-up process for a card that I did not request or understand, which was simply inflicted on me unilaterally by Costco.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I call Equifax and told them a lender was trying to pull my credit file and it was coming back as fraud, I spoke with what i was told supervisor XXXX ( XXXX ) at XXXX, I was told to fax over a copy of my id, and social security card to XXXX and in 5 days it will be fixed. I called back the next day and was told by XXXX ( XXXX ) that my phone number needed to be added and it will be fixed in XXXX Today the lender tried to run again same fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are amongst the list. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I restarted my router. Then I log into my @ BankofAmerica account. I was surprised that it asked me a lot of security questions as if it is my first time logging into my computer. I answered all questions like provided my debit card, security code and I did my online banking. After I completed my banking, I got a call from Bank of America, fraud dept, alerting me that it appears that I am logging from XXXX so they want to verify if I made a {$150.00} transfer and I verified I did that, transfer from and to my Bank of America accounts. The next day my son, veteran served for 6 years and full time XXXX XXXX  alerted me there is a $ XXXX transfer from our joint account that we both did not make. 
I filed for fraud claim immediately and I was told that $ XXXX went to a XXXX XXXX account done via online banking transfer. I waited for the 10 days for my bank to credit our account. After 10 days when I called for status I found out they denied my claim stating that they sent a safe pass code to my cell phone and the transfer was legitimate. 
I dont remember receiving a code that day but when I look at history of text, there was a code sent on my phone but I didn't authorize the transaction. I was telling them that I got a call that day from fraud department so it is evidenced that there are fraudulent activity/scammers happening that day with my account. But they are telling me that I need to show proof that my phone is hacked. Its a shame because I was a XXXX XXXX for 27 years, my son is in the military and this is money he earned from his service and we are not being treated fairly. He never touched this account and it just disappeared one day and Bank of America is not honoring our word that it was fraud. I have a police report and seeking help from the police to help with the investigation. I am very upset and having XXXX  over this matter and seeking any assistance. We are being called platinum customer, and the bank claimed they are providing World class service but not doing the right thing during this hardship. I would appreciate any help out there. Case # XXXX Bank of America XXXX XXXX Check & Digital Fraud Claim  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Police Case Report # XXXX XXXX Police Station
Product: Credit reporting

I sent Transunion a letter raising multiple issues. I included all the ID copies their web site said to. They sent me a letter saying my ID was incorrect.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXhard inquiryXX/XX/XXXXXX/XX/XXXX hard inquiry XX/XX/XXXX
Product: Credit reporting

This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears to have been opened in my name without my authorization. I am a victim of **fraud** and believe that the account listed below was opened fraudulently. As such, I am requesting that you **close** the account and **remove it from my credit report**. 

Date Opened : XXXXXXXX Balance : {$8600.00}
Product: Debt collection

Regarding previous complaint #   XXXX  . I received  General Revenue 's   correspondence and it was mailed to the wrong  apt number.  Please mail correspondence to   XXXX   XXXX  . Or better yet, please submit all correspondence through this web portal CFPB. Thus the fake correspondence is a print out of the alleged item that 's on the credit report. It is not an actual contract or agreement- anyone can draw up a fake bill. Per FCRA I am requesting the  Method of Verification.   Please produce the actual contract or agreement with my signature from the alleged creditor. In addition, I need the the person 's Name, Address, and  Telephone numb er who verified this alleged item.
Product: Checking or savings account

XX/XX/XXXX Received alert notice someone attempting to take out {$1000.00} from my XXXX. Call back and stopped active since I did not authorize that transaction. While speaking with dept noted a {$4800.00} check written on my acct XXXX and {$1800.00} on my daughter 's account ( that was cleared and returned ). Asked them to stop that check because it was a fraud, I never authorize that check. I was told that they can not do anything it is in the system. I can now file a claim when the {$4800.00} is taken out of my acct. 
XX/XX/XXXX the bank went ahead a clarr the check and give the person the money {$4800.00} out of my banc acc XXXX continue to ask the bank for my money, my online banking was closed. Left open was the acct that was missing money. And now all my bills I previously sent out started bouncing and returning.by XX/XX/XXXX the bank is sending me letters demanding their money for bounce check and overdraft. I'm negative XXXX. 
XX/XX/XXXX called again filed another claim for another XXXX $ again taken out of my acct with yet another check taken out on my bank acct fraudulently. Claim # XXXX I was told this was to be expedited XX/XX/XXXX and XX/XX/XXXX called to see status since I Am now blocked from online banking. No change again my acct cont to be compromised and the still researching. 
XX/XX/XXXX called again now a NCS block was placed in my account. Also told me ai have to put {$700.00} in my account to cover overdraft since that is what I owe. Now returned money of XXXX $ from my gas and XXXX from XXXX. Was returned and credit to my acct. Made formal complaint to banking Claim XXXX XX/XX/XXXX called again and was told that my request was refused. Again while speaking to the costumer svr He mention that it was {$10000.00} to which I corrected him. We now learned that the claim was file twice. One for the {$4800.00} and one for XXXX. I was denied my money back. Citizen owe my XXXX XXXX credited to my acct and all overdraft and fees they attached to my acct. 
This has cost me hardship, I am now late with and agreement that I have finally able to work out with my light and gas. I had a vacation starting onXXXX XXXX that I may not go with no extra money I had in my acct to spend. This has ruined my plans significant. More angry that Citizen was aware of the fraud and continued to allow this to happen. I had no bank check associated to these bank acct, how did the accept checks. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a vicitim of identity theft, pursuant to section 605B, you must remove the fraudlent reporting account from reporting to my credit.
Product: Checking or savings account

My account was spoofed and the bank has been unwilling to refund my money!
Product: Mortgage

I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer.
Product: Credit card

I had a credit card with XXXX XXXX XXXX in 2009 who sold the debt to Calvary Portfolio Services LlC .When I told them I could n't pay because my husband had an XXXX, they would not work with me. They tacked on over XXXX dollars. 
In late charges and took me to court and filed a law suit, they have since put a lean on my House for a larger balance than what is owed. They will not send me a statement to prove There is a descrepency in what they are suing me for and the real dollar amount
Product: Credit reporting or other personal consumer reports

my information was exposed due to the XX/XX/2020 equifax data breach and this has caused my personal information to be compromised and i have tried numerous times explaining to equifax my concerns but they refused to fix the issues on my account and i have documentation showing that my information was exposed below.
Product: Debt collection

Hello, My issue is with Nationwide Credit INC. Nationwide has said they initially received the Finns hardship application but the decision to deny was with XXXX XXXX XXXX  XXXX attorney has said that they have never received any hardship application from NCI. 
My previous complaints to CFPB about this case # XXXX and XXXX NCI has said we received the hardship application but XXXX we're the ones to deny. 
XXXX attorney has said he never get any hardship application. 

Thanks,
Product: Checking or savings account

My joint checking and savings account at Citibank have been ope for over 25 years. In XX/XX/2018 Citibank contacted my wife to complete a Know Your Customer requirement. She spent 2 hours on the phone answering among other things the value of my home and such degrading questions as how much money does your husband allocate to you for spending On XX/XX/2018 I tried accessing my account on like only to get a message the account was frozen. Each day since Ive spoken to Citibank and am told the account is frozen because Citibank has not had time to review the KYC questions provided by my wife. As a result of freezing the account I do not have access to nearly {$7000.00} for over a week. All my auto payments including mortgage utilities and credit cards are delinquent. My credit is now also frozen Citibank assured me back in XXXX that the matter would be resolved in 4-5 business days but there is nothing else it can do My 800+ credit score undoubtedly will be impacted because of Citibanks incompetence Does Citibank have liquidity issues? How can it feeeze my funds because its staff doesnt have the time to review a 2 hour questionnaire that had many irrelevant and degrading questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The fraudulent, illegal, bogus loan-scam is STILL on my credit report!

Its been 6-years since the XXXX XXXX XXXX of XXXX loan-scam! 
They told me the loan would NOT be processed after I signed up for, then cancelled the ( 2 ) online " classes. '' There were NO " classes '' it was a total scam. There was NOTHING of value provided to me at all or in anyway, {$8800.00} for a hotlink to XXXX -- thats FRAUD. Take a look at the $ XXXX-Million construction-loan XXXX defaulted on -- the student-loan $ they scammed from me and other students went directly to pay the XXXX-new-building construction-loan, it was NOT used to educate me or other students. XXXX closed and had to move, and submitted false dox to reform at a new location. FRAUD!! Must be stopped! Remove this fraudulent loan its ruined my credit for the last 6 years and now I'm homeless!
Product: Debt collection

HRG calls me every single day for someone named XXXX XXXX. I do not know this person and I have informed them of this and they continue to call and leave robocall voicemails every single day at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report
Product: Checking or savings account

I have multiple times try to open a XXXX XXXX Self directed investment account it keeps telling me no and references to my credit report what does my credit report has to do with opening a account the XXXX  account investment I have you didnt run a credit report my XXXX  my XXXX  has a account with your company
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, Cash App failed to take timely in effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions Requirements under the Electronic Fumd Transfer Act ( EFTA ) Regulation E. these actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Told on XXXX/XXXX/XXXX I am not entitled to new acct incentive despite meeting all requirements
Product: Debt collection

On XX/XX/XXXX I sent a letter to LVNV Funding requesting validation of this alleged debt of {$700.00} they said I owed through a letter I received from them. My request for validation was completly ignored and nothing was sent to me validating this supposed debt. Then I wrote them again in XX/XX/XXXX, and received a reply from LVNV Funding d/b/a Resurgent Capital Services on XX/XX/XXXX stating my request for validation was " frivolous and irrelevent '' and " they refuse to investigate my request ''. I wrote them back on XX/XX/XXXX reminding them that they must validate the alleged debt as per the FDCPA or cease collection attempts and reporting it to the credit bureaus. On XX/XX/XXXX they responded saying they received my request and have enclosed their " account summary as verification ''. What they enclosed was a simple half page document made by someone on a computer, which by no means what so ever did it meet the requirements of legal debt validation. So I once again sent them yet another letter on XX/XX/XXXX again requesting legal validation. I heard nothing back from them. So again in XXXX XXXX XXXX I send a request for validation, and on XX/XX/XXXX I received a reply letter from them stating that they don't " believe '' it was me who prepared the letter requesting validation therefore outright refusing to investigate my request, again calling be frivolous and irrelevant. Over all this time they continue to report this alleged debt to all 3 of the major credit bureau 's as a derogatory and negative account against me, not ever reporting it was disputed. This has cause me much financial hardship.