{"took":271,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9833211","_score":15.702685,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a XXXX data breach with my restoration officer included a identity theft ina dispute. I contacted the optimal browser cleaning security scan with the XXXX XXXX and my link had expired in the investigation showing the account expired. I sent the fire wall blocking and email hack of my email and phone with XXXX business app. I also sent the XXXX affidavit with the irs and the account went into a restricted allocated bonds with a administration showing the account tax lien was updated a XXXX business identity theft with a bond of {$47000.00} in funds to the XXXX. I looked at the reimbursement dispute with the XXXX and the proof of claim stated it was in a attorney sellers account hacked identity theft with a bankruptcy dispute administration. So I contacted the claims administration and showed a identity theft report with XXXX buddy firewall security for XXXX XXXX XXXX. My account was hacked and the account had been terminated and inaccessible through my credit report brief of hacks. So I filed a claim with the administration showing the fire walls were blocked off from a imf monetary unit with XXXX XXXX Showing delayed of payment with the SSI with XXXX XXXX showing the social security XXXX filed a representative payee in the data breach. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat breach with XXXX. Experian XXXX XXXX escalated claims board held it over from XXXX to XXXX showing escalated claims of amended return checks of fraudulent tax refunds. So I contacted the restoration officer with the XXXX data breach settlement showing the account restoration to send a identity theft affidavit of XXXX account hack with the resolution team and show a security breach of XXXX affidavit id restoration for restricted access of account fraud with the financial advisor of the institution. The account was forbidden access and breached by the accountant showing the billing statement and records had lapsed from previous filing. So I have the restrictions identity theft case with the administration officer with Experian XXXX XXXX case number XXXX. That the police report updated a case with XXXX XXXX and sent the irs a XXXX affidavit with XXXX XXXX from XXXX XXXXXXXX XXXX office employee id number XXXX. Kindly reach out with the dispute teams with Experian XXXX XXXX XXXX XXXX showing the case was escalated and sent to Experian XXXX theft fraud claims dispute. Showing error on the credit report. But the XXXXXXXX XXXX XXXX XXXX administration has file a objection to claims suppose to send the documents to XXXX XXXXXXXX XXXX XXXX XXXX XXXX to file a objection claims identity theft with the attorney representing myself. So I showed the cour solution fee waiver email to my identity theft portal and said contact them over the phone and call you back with the restrictions on the account so the id restoration officer can send the dispute over with the XXXX data breach settlement restoration officer id theft dispute. Also file a XXXX of the account with the IRS showing a XXXX proof of claim for bankruptcy with krolls XXXX was sent to prime clerk and updated the dispute without releasing the tax lien and data breach bankruptcy dispute to the officer In failure to appear in a hacked account identity theft dispute. So we can waive the objection of claims with bed bath and beyond claims board with krolls Restructure chapter XXXX data breach. Also file a extension for a bankruptcy with the attorney to appear on the dispute for the claim of objection fled with the XXXX XXXX XXXX XXXX XXXX XXXX breach dispute restoration id case for the Experian XXXX Works case on the claim of the XXXX affidavit with sole priortorship business account of XXXX XXXX XXXX with the IRS notice in referral to the bankruptcy report with XXXX was not appearing on the XXXX data breach report or Experian Identity Works fraud claims disputes.","date_sent_to_company":"2024-08-17T20:31:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"9833211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-17T19:22:06.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So I <em>filed</em> a claim with the administration showing the fire walls were blocked off from a imf monetary unit with XXXX XXXX Showing delayed of payment with the SSI with XXXX XXXX showing the social <em>security</em> XXXX <em>filed</em> a <em>representative</em> <em>payee</em> in the <em>data</em> breach. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat breach with XXXX."]},"sort":[15.702685,"9833211"]},{"_index":"complaint-public-v1","_id":"9831347","_score":15.662653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a Equifax data breach with my restoration officer included a identity theft ina dispute. I contacted the optimal browser cleaning security scan with the XXXX XXXX and my link had expired in the investigation showing the account expired. I sent the fire wall blocking and email hack of my email and phone with XXXX business app. I also sent the XXXX affidavit with the irs and the account went into a restricted allocated bonds with a administration showing the account tax XXXX was updated a XXXX business identity theft with a bond of {$47000.00} in funds to the XXXX. I looked at the reimbursement dispute with the Equifax and the proof of claim stated it was in a attorney sellers account hacked identity theft with a bankruptcy dispute administration. So I contacted the claims administration and showed a identity theft report with geek buddy firewall security for XXXX XXXX XXXX. My account was hacked and the account had been terminated and inaccessible through my credit report brief of hacks. So I filed a claim with the administration showing the fire walls were blocked off from a XXXX monetary unit with XXXX XXXX. Showing delayed of payment with the SSI with XXXX XXXX showing the social security administration filed a representative payee in the data breach. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat breach with Equifax. XXXX XXXX XXXX escalated claims board held it over from XXXX to XXXX showing escalated claims of amended return checks of fraudulent tax refunds. So I contacted the restoration officer with the Equifax data breach settlement showing the account restoration to send a identity theft affidavit of administrator account hack with the resolution team and show a security breach of XXXX affidavit id restoration for restricted access of account fraud with the XXXX XXXX of the institution. The account was forbidden access and breached by the accountant showing the billing statement and records had lapsed from previous filing. So I have the restrictions identity theft case with the administration officer with XXXX XXXX XXXX case number XXXX. That the police report updated a case with XXXX XXXX and sent the irs a XXXX affidavit with XXXX XXXX from XXXX XXXX 's office employee id number XXXX. Kindly reach out with the dispute teams with XXXX XXXX XXXX XXXX XXXX showing the case was escalated and sent to XXXX XXXX theft fraud claims dispute. Showing error on the credit report. But the XXXX XXXX  XXXX  XXXX administration has file a objection to claims suppose to send the documents to XXXX XXXX XXXX XXXX XXXX XXXX to file a objection claims identity theft with the attorney representing myself. So I showed the cour solution fee waiver email to my identity theft portal and said contact them over the phone and call you back with the restrictions on the account so the id restoration officer can send the dispute over with the Equifax data breach settlement restoration officer id theft dispute. Also file a XXXX of the account with the IRS showing a XXXX proof of claim for bankruptcy with krolls XXXX was sent to prime clerk and updated the dispute without releasing the tax XXXX and data breach bankruptcy dispute to the XXXX In failure to appear in a hacked account identity theft dispute. So we can waive the objection of claims with bed bath and beyond claims board with krolls Restructure chapter XXXX data breach. Also file a extension for a bankruptcy with the attorney to appear on the dispute for the claim of objection fled with the XXXX XXXX XXXX XXXX equifax XXXX breach dispute restoration id case for the XXXX XXXX Works case on the claim of the XXXX affidavit with sole priortorship business account of XXXX XXXX XXXX with the IRS notice in referral to the bankruptcy report with XXXX was not appearing on the Equifax data breach report or XXXX XXXX XXXX fraud claims disputes.","date_sent_to_company":"2024-08-17T20:31:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"9831347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-17T20:31:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Showing delayed of payment with the SSI with XXXX XXXX showing the social <em>security</em> administration <em>filed</em> a <em>representative</em> <em>payee</em> in the <em>data</em> breach. I also see the account was hacked and went to a XXXX XXXX XXXX XXXX for a dat breach with Equifax. XXXX XXXX XXXX escalated claims board held it over from XXXX to XXXX showing escalated claims of amended return checks of fraudulent tax refunds."]},"sort":[15.662653,"9831347"]},{"_index":"complaint-public-v1","_id":"3518475","_score":11.889149,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Sir or Madam : I, XXXX XXXX XXXX ( the Complainant ) had received, my Chex System Inc. ( ChexSystems ) Consumer Identification Number, XXXX, report file dated on XX/XX/XXXX sent by way of the United States Postal Service ( USPS ) mail Carrier who had placed, my ChexSystems Consumer Report into my residential building located at XXXX XXXX XXXX XXXX, XXXX  XXXX, in the City of XXXX, in the State of XXXX XXXX  and in the zip code area of XXXX, mail box dated on XX/XX/XXXX. And, I had noticed onto my ChexSystems Consumer Identification Number, XXXX, report file dated on XX/XX/XXXX, two ( 2 ) unknown fictitious full names ( XXXX XXXX XXXX ) and one ( 1 ) very old cellular phone number are as follows : 1. XXXX XXXX XXXX, 2. XXXX XXXX XXXX, and 3. XXXX ( See Exhibit A ) which the [ se ] above XXXX XXXX XXXX   are unknown fictitious full names and one ( 1 ) very old cellular phone number are known as, unknown aliases to I. In accordance to the United States Federal statute states : The actual statutes governing the using of XXXX  XXXX XXXX is a Corpus Juris Secundum ( CJS ) 67A Parties 171, as unknown and Fictitious Name as case : 816 So. 2d 367, 153 A.2d 594, 788 A.2d 867 and 306 A.2d 186.\n\nTo be ignorant of the [ se ] name [ s ] of the [ se ] Defendant [ s ], as basis for designating that the [ se ] Defendant [ s ] by a fictitious name [ s ] and amending of this complaint when the [ se ] Defendant [ s ] true name [ s ] which matches their authentic or original identification of goods, identity instruments and identifiers are discovered, so that the Complainant, through her complaint relations can return back to this original or amended complaint [ s ] can avoid the bar of the statute of limitations, and the Complainant must be ignorant of the identities of the [ se ] Defendant [ s ] and, ignorant of the facts giving rise to a cause of actions against the [ se ] Defendant [ s ] or, unaware that the laws provided a cause of actions against the [ se ] Defendant [ s ]. \n\nMy full legal name, XXXX XXXX XXXX is extremely rare within the United States quantifiable and algorithm data files systems. Therefore, my questions are to the ChexSystems customer services representative [ s ] or manager [ s ] are as follows : 1. How was XXXX  XXXX XXXX  were able to obtained banking institutional clearances from ChexSystems in order to opened a checking, savings and [ or ] investment accounts and [ or ], cleared handwritten personal checks without XXXX  XXXX XXXX  using their own actual authentication features or Personal Identifiable Information ( PII ) used, as proof or evidence to who [ m ] XXXX  XXXX XXXX  really are? \n2. When XXXX  XXXX XXXX  does not match my authentic or original date of birth, social security number, XXXX XXXX State, real identification driver license card number, passport number, email address ( XXXX ) and residential address [ es ] including my other PII such as, my educational attainments academic number [ s ] and birth certificate number?\n\nIn advance, ChexSystems employees knowingly and willfully knew, he or she is mandated to uphold the Federal, Fair Credit Reporting Act ( FCRA ) under Title 15 U.S.C. 1681 et seq. in order to promote ChexSystems accuracy, fairness and privacy of information in an algorithm data files for consumer  reporting representation profiles and inquires requests. However, please keep in mind, I am not implying and [ or ] accusing ChexSystems employees in favor of facilitating or promoting fraudulent activities such as, identity thefts within the ChexSystems files reporting system. Instead, I am implying the [ se ] accomplices are some banking institutions, rental agencies and retailer industries employees who [ m ] are agitator [ s ] or agent provocateur [ s ] in favor of facilitating and promoting identity thefts and false personations criminal acts within the [ se ] banking institutions, rental agencies and retailer industries. \n\nAfter, XXXX XXXX XXXX  had intentionally changed his or her legal full name ; in order to match, link, connect, mirror, alter and [ or ] manipulate against my full legal name, XXXX XXXX XXXX onto their false authentication features and to insert false and [ or ] actual authentication features into my ChexSystems consumer identification number, XXXX, reported file data without my legal authorizations, consents, acknowledgements or knowing and willful participations into XXXX XXXX XXXX said, aliases full names changed conspiracies into those banking institutions, rental agencies and [ or ] retailer industries forged applications signatures. Nor was I sent, any official notification [ s ] from those banking institutions, rental agencies and [ or ] retailer industries that my actual authentication features or PII had been unlawfully compromised by their employees, customers or non-employees ( affiliates ). \n\nFurthermore, XXXX XXXX XXXX had unlawfully changed his or her legal full name with a malice aforethought in premeditated criminal intents ; in order to match, link, connect, mirror, alter and [ or ] manipulate  against my legal full name, XXXX XXXX XXXX in which, XXXX XXXX XXXX obtained unlawfully accesses to my XXXX XXXX  State, and XXXX birth State and Federal Agencies files data systems using their supposedly his or her legitimate court document [ s ] name changes that matches against my legal full  name, XXXX XXXX XXXX unlawfully without XXXX XXXX XXXX actual authentication features or PII proofs or evidences. While the [ se ] banking institutions, rental agencies and retailer industries employees knowingly and willfully knew XXXX XXXX XXXX actual authentication features or PII ( e.g. date of births, social security numbers, state driver licenses and [ or ] state identification cards numbers, passport numbers, email addresses, birth certificates numbers, residential addresses, academic transcripts numbers and etc. ) does not match my XXXX XXXX State, and XXXX  birth State and Federal agencies governmental files data systems. And, somehow, XXXX XXXX XXXX are repeatedly able to slip through either National Security Clearances investigations and face-to-face checkpoints profiles and forensic biometrics cracks into security background checks using false authentication features and to insert false and [ or ] actual authentication features. In order to impede, hinder or obstruct identity thefts and false personations investigations against XXXX XXXX XXXX from any Law Enforcement and [ or ] credit bureau agencies with the purpose of intentionally and deliberately disidentified me onto my ChexSystems consumer identification number, XXXX, reported file data account. In an unfair investigative and [ or ] deceptive business practices are those ones that offends an established public policy [ FCRA ], in a [ n ] immoral, unethical, oppressive, unscrupulous or substantially injurious actions against me by ways of XXXX XXXX XXXX who [ m ] intentionally and deliberately changed his or her legal full names. In order to obtained unlawfully accesses to my XXXX XXXX State, and XXXX birth State and Federal Agencies files data systems background actual authentication features, identification of goods and documentations by ways of false authentication features and to insert false and [ or ] actual authentication features using DOE ET AL legal full names changes that matches against my full legal  name, XXXX XXXX XXXX. \n\nIntended for the ChexSystems future references regarding my unbelievable continuous violations and retaliations circumstances into XXXX XXXX XXXX legal full names changes that matches against my legal full name, XXXX XXXX XXXX, I had not written any manual banking institutional handwritten personal checks, since XXXX. Also, I have been a customer of XXXX XXXX XXXX, banking institution for more than nine ( 9 ) years with only four ( 4 ) active and official bank accounts held in my full legal name, XXXX XXXX XXXX. And, I will only disburse payees payments through my online XXXX XXXX XXXX  accounts, in order to generated checks paid to payees which, XXXX XXXX XXXX  has potentially eliminated identity thefts from XXXX XXXX XXXX handwritten personal checks forgeries. \n\nThis letter is intended to contextualize legal binding acknowledgements that I, XXXX XXXX XXXX ( the Complainant ) had not authorized, consented, acknowledged, waived my legal rights in affidavits and [ or ] Power of Attorneys to any person and [ or ], knowingly and willfully participated in a said, XXXX  XXXX XXXX  full names changes aliases fraudulent activities in identity thefts and false personations conspiracies.","date_sent_to_company":"2020-02-05T16:40:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"58103","tags":null,"has_narrative":true,"complaint_id":"3518475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2020-02-03T20:46:39.000Z","state":"ND","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>files</em> <em>data</em> systems."]},"sort":[11.889149,"3518475"]},{"_index":"complaint-public-v1","_id":"8172548","_score":8.257763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Legal Department, Not too long ago, I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditors. This letter is a formal complaint that you are reporting invalid and incomplete account data as well as both inaccurate and incorrect account information. After being informed I heard that there are Federal Laws to ensure credit reporting bureaus such as yours must only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors. Therefore, Pursuant to 15 U.S.C section 1681 ( e ) of the Fair Credit Reporting Act. Upon receipt of this notification The Fair Credit Reporting Act requires you and I am requesting that you verify the following items : 1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. \nXXXX Case Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. \n2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. \n3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n12. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n13. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n14. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n15. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n16. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX, XXXX. \nAccount Number : XXXX Please remove it from my credit report. \n17. This account was CLOSED. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n18. This account was CLOSED. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. This account was CLOSED. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. \nThis is nuts that your company can let this data be on my credit profile. This is not my account. I mailed a debt validation letter to this company. They did not reply with what they are supposed to respond with. Please also tell the subscribers who reported these items within 5 days after receiving these disputes, and verify that the person has my full name, address, date of birth, social security number, account number, status, date of last activity, balance, high balance, and amount as applicable. If these disputed data are found to be invalid, incomplete, inaccurate or incorrect, then the entire items must be deleted from my credit report within thirty days. If the validity, completeness, accuracy and correctness can not be verified, you are obligated by law not to change or update the information, but to erase the item permanently from my credit report. Please know that if your response to my request contains any remark such as changed, updated or new information below rather than deleted you are in violation of Federal Law, I will be forced to take further action against you as the Federal Law clearly states that the item must be deleted. When you complete your investigation Pursuant to 15 U.S.C. section 1681 ( i ) ( 7 ) whereby a consumer reporting agency shall provide to a consumer the requested detailed description referred to in paragraph and section ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from a consumer for that description, of the method of verification used and the name of the person at the source you contacted, the furnishers business name, address, phone number and date this verification has transacted. \nIf you can not provide a detailed description of the method of verification and the contact information of the furnisher then you are in violation of procedure and must delete the item. If you dont abide by this request or give an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter quickly to the State Attorney General and Federal Trade Commission for urgent attention and please understand that this letter of dispute is now time stamped. In the event that you continue to list the disputed item on my credit report I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit. Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. While I prefer not to file lawsuit, I will utilize the courts as needed to enforce my rights under the FCRA. Also, at the very end of this letter you will see my correct personal data. There shouldnt be any other information appearing on my credit profile. Please remove any incorrect names, addresses, social security numbers, and Date of Birth. I look forward to an uneventful resolution of this matter. \nThank You In Advance, Sincerely yours, XXXX XXXX","date_sent_to_company":"2024-01-14T11:54:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20785","tags":null,"has_narrative":true,"complaint_id":"8172548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-14T11:52:20.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["While I prefer not to <em>file</em> lawsuit, I will utilize the courts as needed to enforce my rights under the FCRA. Also, at the very end of this letter you will see my correct personal <em>data</em>. There shouldnt be any other information appearing on my credit profile. Please remove any incorrect names, addresses, social <em>security</em> numbers, and Date of Birth. I look forward to an uneventful resolution of this matter. \nThank You In Advance, Sincerely yours, XXXX XXXX"]},"sort":[8.257763,"8172548"]},{"_index":"complaint-public-v1","_id":"3476973","_score":7.0275707,"_source":{"product":"Mortgage","complaint_what_happened":"Nationstar Mortgage LLC/dba Mr. Cooper and real estate licensed transactional brokers failed to perform an audit of their compliance with the VA Home Loan Guaranty VALERI system of record and have violated multiple provisions of the Servicemember Civil Relief Act ( SCRA ). The SCRA was designed to protect XXXX  XXXX  servicemembers and families, like mine, during times of service. \n\nFinancial institutions and transactional mortgage brokers that violate the law repeatedly and substantially are not making serious enough efforts to report accurate information or enforce the provisions under the Servicemember Civil Relief Act ( SCRA ). Nationstar Mortgage LLC/dba Mr. Cooper compliance systems are flawed, and generated VA backed mortgage lending account data with significant, preventable errors. Nationstar also failed to maintain detailed SCRA and VA Home Loan Guaranty data collection and validation procedures, and failed to implement adequate compliance procedures since the mortgage servicer account dispute began in XXXX. \n\n\nOn or about XX/XX/XXXX, XXXX and XXXX XXXX closed on the purchase of a residential property located at XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The loan was a Department of Veteran Affairs Home Loan Guaranty ( VA ) backed loan. XXXX and XXXX XXXX were married and both were military veterans at the time of closing on the property. The primary borrower was pre-selected as XXXX XXXX, and XXXX XXXX co-signed as a VA Rider status on a residential mortgage originated by XXXX XXXX XXXX XXXX, serviced by MERS, also known as XXXX XXXX XXXX   XXXX, XXXX  f/k/a XXXX XXXX XXXX XXXX XXXX ( C.D. Cal. ). Shortly after closing XXXX services mortgage loans became a wholly owned subsidiary of XXXX  XXXX XXXX XXXX. \n\nXXXX- XXXX, Oklahoma licensed realtor and transactional broker XXXX XXXX , also doing business as XXXX XXXX failed to close on a contracted agreement ( or collect good faith funds from a no-show buyer ) on the residential property. On the same day, XXXX XXXX/dba XXXX XXXX XXXX/XXXX  XXXX offered contingency options to quit claim deed the property on the sport or have at least one owner of the property sign a 3-year rental management agreement while under financial duress. \n\nXXXX- XXXX, XXXX County , Oklahoma , a court issued divorce decree awarded the VA backed mortgaged property and its interest in the free and clear of any title or mortgage to XXXX XXXX ( ex-wife/plaintiff in court records ). The court order included a clause to which the divorce decree could be used as a conveyance tool for enforcement purposes. Notice of the awarded property interest to XXXX XXXX and a copy of the divorce decree were submitted to the mortgage servicer ( XXXX  XXXX XXXX ) as required for a major event update to the VA home loan guaranty VALERI system of record, and the property manager XXXX XXXX/dba XXXX XXXX. \n\nXXXX XXXX, XXXX XXXX XXXX operating as the mortgage servicer, required the divorce decree be submitted to the XXXX County Clerks office in order to have the awarded property equity, and successor in interest status recorded for the purposes of the deed, title, and transfer of ownership. \n\nXXXX- XXXX, XXXX XXXX re-married and provided notice with forwarding address and copies of the official legal documentation to transfer financial accounts, government identification, and property interests into the legally changed name XXXX XXXX . \n\nIn XX/XX/XXXX, XXXX XXXX was contacted by the residential occupants ( also known as the only other tenants or renters besides the owner ) of XXXX XXXX XXXX XXXX XXXX. The occupants disclosed XXXX XXXX/dba XXXX XXXX  was in possession of several months of mail and delivery notifications sent from mortgage servicer XXXX  XXXX XXXX and the addressed financial and legal enclosures were explicitly sent to XXXX XXXX. \n\nFollow up with XXXX XXXX/XXXX  XXXX  confirmed the transactional broker XXXX XXXX had withheld mail and also disclosed a Lis Pendens petition had been filed with the XXXX County court clerk in XX/XX/XXXX. Both XXXX  XXXX XXXX and Nationstar Mortgage LLC mailed notifications enclosed with time sensitive information and privileged letters. Months of withheld notifications and mail delivery concealed the intent of the new lender/owner to foreclose on the VA backed property, which would also proceed without a successful confirmed delivery notification to either the primary borrower ( XXXX XXXX ) or the successor in interest, XXXX XXXX in violation of Service member Civil Relief Act ( SCRA ). \n\nBy withholding of the security deposit, several months of collected rents, attempts to charge additional late rent and allegations of property damage by XXXX XXXX and XXXX XXXX  amounted to early termination charges in violation of the SCRA. The Fair Housing Act law concludes a complaint must also state a cause of action against both the individual property manager XXXX XXXX, and his business entity doing business as XXXX XXXX. \n\n\nNationstar Mortgage LLC is a servicer of federally related mortgage loans, and at some unknown point and time, represented itself to the primary borrower ( XXXX XXXX ) as the new mortgage servicer of the VA backed home loan. As the successor in interest, I ( XXXX XXXX ) did not receive letters in XXXX, XXXX, XXXX, or XX/XX/XXXX informing me the servicing rights for the loan had been transferred to Nationstar Mortgage LLC, and received no advance notice of the transfer nor an opportunity to discuss the prior ACH electronic payment arrangement with the mortgage servicer or the bank since the issuance of the divorce decree in XX/XX/XXXX. \n\nAs the Department of Veteran Affairs has previously published and warned ; In some parts of the country, veterans who are not familiar with real estate transactions have been \" taken in '' by shady deals usually called \" milking '' or equity skimming. In one form of this racket, the veteran/primary borrower, who is behind in VA loan payments, is approached by unknown persons who offer to pay the delinquent installments if the veteran will \" sign on the dotted line. '' The veteran later learns that he or she has signed a deed and can get the property back only by signing another contract at a much higher price. \n\n\nNationstar Mortgage LLC/dba Mr. Cooper and XXXX XXXX/dba XXXX XXXX  violated both the Real Estate Settlement Procedures Act ( RESPA ) and the Electronic Fund Transfer Act ( EFTA ) by making unauthorized changes to the previously established ACH electronic payment transfers without providing proper notice to the VA home loan guaranty VALERI system of record, or directly to primary borrower, or myself ( as the awarded successor in interest ). 15 U.S.C. 1693e ( b ) provides that in the case of preauthorized transfers from a consumers account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer, in accordance with regulations of the Bureau, of the amount to be transferred and the scheduled date of the transfer. \n\n\nFrom XX/XX/XXXX through XX/XX/XXXX, other than payment delinquencies, no other unrestricted transfer reports or major event updates were filed with Department of Veterans Affairs Home Loan Guaranty division through the required VALERI ( VA Loan Electronic Reporting Interface ). The fiduciary responsibility to report a Significant Loan Event through the VALERI system falls on the mortgage servicer ( Nationstar Mortgage LLC/dba Mr. Cooper ). The VA loan guaranty division can not accept a security instrument or a divorce decree from a successor in interest, therefore can not update my associated VA loan case number without the mortgage servicer disclosures and legally verified support documentation. The failure of the mortgage servicer to file the lis pendens action and non-judicial foreclosure notices with the Department of Veteran Affairs Home Loan Guaranty division in a timely manner perpetuated false information from Nationstar customer service representatives about the mitigation options available to myself ( as both successor in interest and as a Veteran who also served in the military ), the loss of equity, increased liabilities and risks associated with the disputed property. \n\nThe main Nationstar Mortgage LLC/dba Mr. Cooper and transactional broker violations pertain to RESPA and TILA provisions and official interpretations, which can be found in 12 CFR 1024, Regulation X, and 12 CFR 1026, Regulation Z, specifically found within : 1024.17, Escrow accounts and 1024.37, Forced placed insurance 1024.35, Error resolution procedures and 1024.36, Requests for information 1024.38, General servicing policies, procedures and requirements 1024.39, Early intervention and 1024.41, Loss mitigation procedures 1026.20, Disclosure requirements regarding post-consummation events 1026.36, Payment processing and 1026.41 Periodic statements 1026.40, Continuity of Contact Nationstar Mortgage LLC/dba Mr. Cooper, XXXX XXXX/dba XXXX XXXX   also conducted an unauthorized credit inquiry that violated the Fair Credit Reporting Act ( FCRA ). It remains unclear if the mortgage was transferred, sold, or solicited by Nationstar as a high-risk loan modification offer to the primary borrower or to an undisclosed third party private investor. One of several notices withheld by the transactional broker XXXX XXXX, was titled Credit Score Disclosure, which would have shown Nationstar Mortgage LLC performed a credit check and fallen outside any use permitted under the FCRA. The credit check, previous lender ACH electronic transfers, and bank account balances along with protected personal information were shared with unauthorized 3rd parties ( specifically, the terminated property manager XXXX XXXX, the evicted occupants, and other real estate associated transactional brokers in the same office ). \n\nXXXX -Eviction of the unverified occupants and property management agreement termination were sent via certified return receipt. XXXX XXXX  transactional broker/property manager XXXX XXXX contested the transfer of ownership to XXXX XXXX and refused a broker trust account audit. XXXX XXXX/dba XXXX XXXX  is in breach of contract after repeatedly refusing a broker trust account audit which denied and concealed any review of 5 years ( XXXX-XXXX  ) worth of itemized lists for repairs, receipts, occupant/renter background checks, proof of identity, or income statements. XXXX XXXX/dba XXXX XXXX  and Nationstar Mortgage LLC also failed to produce any material evidence of signed lease contracts or notarized agreements between the owner or with any known verifiable renter occupants as Oklahoma state law and the real estate commission required. \n\nDuring this time, Nationstar Mortgage LLC became a designated payee as used in the EFTA, 15 U.S.C. 1693e ( b ), in that Nationstar initiated and received electronic fund transfers from a joint account opened prior to the divorce decree, that were preauthorized or purportedly preauthorized. \n\nXXXX- I, ( XXXX XXXX ) continued the legal eviction process of the unverified John Doe occupants and made qualified written demands for origination paperwork, requested identification of any known investors, and inquired about any alternatively sourced agreements with the primary borrower ( ex-husband, XXXX XXXX ) who resided and worked within the same area as the property from XXXX through XXXX. As the successor in interest of the property, I was denied refinancing, denied loss mitigation options, and denied a loan modification because the primary borrower ( XXXX XXXX ) refused to consent, acknowledge, or participate in any VA unrestricted transfer process, in direct contempt of the divorce decree. As the mortgage servicer, Nationstar/Mr. Cooper repeatedly dismissed and ignored the divorce decree as a legal conveyance tool and failed to report a VA Unrestricted Transfer, major loan event and declined to file a partial Release of Liability. \n\nNationstar asserted ONLY the VA backed primary borrower ( XXXX XXXX ) could apply or be approved for loss mitigation or loan modification services. Without the primary borrowers cooperation or written consent, my successor in-interest equity along with my current husbands ( XXXX XXXX XXXX ) good name, credit, and security clearances as an XXXX XXXX service member were maliciously defamed and penalized after the property ownership was contested and driven back into delinquency due to willful negligence of Nationstar Mortgage LLC and XXXX XXXX doing business as transactional brokers. \n\nXXXX- A second lis pendens was filed against XXXX XXXX and not the primary VA loan backed borrower, XXXX XXXX . Contrary to the Real Estate Settlement Practices Act ( RESPA ), codified at 12 U.S.C. 2605, which governs the duty of loan servicers to respond to borrower inquiries it categorizes as Qualified Written Requests ( QWRs ), since XXXX, Nationstar Mortgage LLC/dba Mr. Cooper customer service representatives and XXXX XXXX/dba XXXX XXXX have denied knowledge of any private investor contracts or secondary lien agreements, yet both business entities have failed to provide a complete and accurate explanation of the transfer paperwork, refused the disclosure of contact logs documenting the primary borrowers recorded statements, and remain silent on the absence of any tenant signed and notarized rental agreements from XXXX-XXXX. More concerning are the missing major loan event update reports to the VA home loan guaranty VALERI system of record, and the advanced lender expenses paid out to undisclosed property management vendors and then charged to the escrow account. \n\nXXXX - Nationstar Mortgage, LLC/dba Mr. Cooper, violated 533 when it maintained certain fees related to a rescinded Notice of Default on the disputed account while ( XXXX XXXX, also a veteran ) is the successor in interest and military spouse of a service member ( XXXX XXXX XXXX XXXX XXXX, who is still currently ) serving on XXXX XXXX and protected by the provisions under thee SCRA. \n\nCongress passed the Real Estate Settlement Procedures Act ( RESPA ) in 1974 to protect homeowners by assisting them in becoming better educated while shopping for real estate services, and eliminating kickbacks and referral fees, which add unnecessary costs to settlement services. RESPA requires lenders and others involved in mortgage lending to provide borrowers with pertinent and timely disclosures regarding the nature and costs of a real estate settlement process. Congress has also authorized the Consumer Financial Protection Bureau ( CFPB ) to promulgate RESPAs implementing rules and regulations, including the rules codified in 12 C.F.R. 1024 ( Regulation X ).\n\nCongress has authorized a private right of action for violations of RESPA, including violations of Regulation X. 12 U.S.C. 2605 ( f ) ; 2605 ( k ) ( E ) ; 2614.\n\n12 U.S.C. 2605 ( k ) ( C ) states that a servicer of a federally related mortgage shall not fail to take timely action to respond to a borrowers requests to correct errors relating to allocation of payments, final balances for purposes of paying off the loan, or avoiding foreclosure, or other standard servicers duties. \n\n12 C.F.R. 1024.33 states : ( b ) Notices of transfer of loan servicing ( 1 ) Requirement for notice. Except as provided in paragraph ( b ) ( 2 ) of this section, each transferor servicer and transferee servicer of any mortgage loan shall provide to the borrower a notice of transfer for any assignment, sale, or transfer of the servicing of the mortgage loan. The notice must contain the information described in paragraph ( b ) ( 4 ) of this section. Appendix MS-2 of this part contains a model form for the disclosures required under this paragraph ( b ).\n\n( 2 ) Certain transfers excluded. \n( i ) The following transfers are not assignments, sales, or transfers of mortgage loan servicing for purposes of this section if there is no change in the payee, address to which payment must be delivered, account number, or amount of payment due : ( 3 ) Time of notice ( i ) In general. Except as provided in paragraphs ( b ) ( 3 ) ( ii ) and ( iii ) of this section, the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. The transferee servicer shall provide the notice of transfer to the borrower not more than 15 days after the effective date of the transfer. The transferor and transferee servicers may provide a single notice, in which case the notice shall be provided not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. \n\n\nXXXX The 2nd lis pendens foreclosure petition is withdrawn, only to have a 3rd lis  pendens petition filed with the XXXX County Court Clerk, listing a John Doe Occupant, along with the original primary borrower ( XXXX XXXX ), and lists the successor in interest as a defendant under the former name XXXX XXXX and not legal name XXXX XXXX. \n\nXXXX FTC complaint filed by XXXX XXXX, regarding the disputed property, suspected identity theft, mail fraud, forgery, violations of SCRA and Privacy Act. Nationstar Mortgage LLC/dba Mr. Cooper failed to check consistently for the military status of mortgagors prior to filing lis pendens petition with the clear intent to foreclose on the VA backed mortgaged property. Noted in my complaint, specific to the continued unauthorized use of my former name ( XXXX XXXX ) ; It is unlawful for any person ( s ) to use a fictitious name, give a false or fictitious address, or make any false statement in any application or affidavit required under the provisions of a stated regulatory chapter or in a bill of sale or sworn statement of ownership or otherwise commit a fraud in any application. '' As of XX/XX/XXXX, the VA Home Loan Guaranty VALERI system of records showed no major event updates on the assigned VA loan case number, no unrestricted transfers, and none of the ( 3 ) previously filed lis pendens foreclosure petitions have been reported. However, the most recent entries by a mortgage servicer reported over 50 delinquent monthly payments associated with the VA loan case number, my legal name XXXX XXXX and my social security number. Credit bureaus continue to post negative monthly credit reports to my identity as XXXX XXXX, whilst listing the unauthorized former name XXXX XXXX as seriously delinquent ( not as successor-in-interest who is not responsible for the mortgage ), as I continue to be denied a VA unrestricted transfer of ownership per the XXXX divorce decree. \n\nNationstar Mortgage LLC/dba Mr. Cooper has failed to release a communication history, ignored written requests for a contact log with the primary borrower ( XXXX XXXX ), and representatives have refused verbal and written demands to disclose the private investor information after listing the investor status on the most recent XXXX payoff quote. \n\nThrough the mortgage servicers relaunched website and consumer login portal, Nationstar Mortgage LLC /dba Mr. Cooper shows changed legal names and mailing addresses of the primary borrower ( XXXX XXXX ) and myself, altered at least 12 times in the past 18 months. Representatives have recklessly conflated protected information and delivered official mail to the wrong persons. Nationstar Mortgage LLC/dba Mr. Cooper has shown no intention to properly disclose and explain the significant accounting discrepancies between XXXX-XXXX in third party property management vendor billable activities, or the additional thousands of dollars paid out and charged to the escrow account over the past 24 months. \n\nOn approximately XX/XX/XXXX, without my knowledge or written consent, property inspectors working on behalf of Nationstar Mortgage LLC/Mr. Cooper changed the locks on the disputed vacant property ( for at least a 3rd time  since XX/XX/XXXX ). Additional repairs for damages and maintenance were requested by the vendor due to the discovery of personal effects and hazardous cleaning materials belonging to an unknown trespasser. To date, no law enforcement report has been filed by the mortgage servicer, nor its property management or its vendor by extension. \n\nAs of present, there are no procedures or protocols made available to me on how Nationstar Mortgage LLC/dba Mr. Cooper or its property management vendors by extension will communicate who is in legal possession of the VA backed property or if and how criminal breaking and entering activities by unknown trespassers will be recorded, documented, and reported to local law enforcement, or to the successor-in-interest if it happens ( yet again ) in the near future. Nationstar Mortgage LLC/dba Mr. Cooper has failed to disclose any conflict of interest with third party property management vendors servicing the disputed property, nor has there been any disclosures regarding the previously evicted freeloading occupants and if any claims were submitted or paid ( without a police report or authenticated receipts ) against the insurance under-writer. \n\nAs of XX/XX/XXXX, Nationstar/dba Mr. Cooper has failed to respond to my qualified written requests ( sent via certified mail, fax, and email ) for communication logs, the identity of private investor ( if any ), and an itemized breakdown and sourced identities of the XXXX erroneously Unapplied Funds transactions listed in the most recently made available Escrow Analysis, produced by Nationstar Mortgage LLC/dba Mr. Cooper. \n\nUnder principles of equity and good conscience, Nationstar Mortgage LLC/dba Mr. Cooper and XXXX XXXX/dba XXXX XXXX  should not be permitted to retain revenue that it acquired by virtue of its unlawful conduct. \n\nNationstar Mortgage LLC/dba Mr. Cooper has acted unlawfully, unfairly, and deceptively. As a result of their unlawful, unfair, and deceptive conduct both my XXXX XXXX husband and I ( XXXX & XXXX XXXX XXXX ) have been faulted for unauthorized amounts of claims and denied access to the evidence of criminal trespassing on the disputed property. The privacy and the safety of our children is paramount and as a military family all of our rights have been repeatedly violated by the criminal misconduct of transactional brokers. We have been denied backed rents, legal fees, property possession, and our due process rights. Without any reasonable due diligence by the mortgage servicers, our ability as military family to protect and defend our legally vested financial interests, good name, and credit scores within a reasonable amount of time has been denied. By erroneously switching names and addresses on statements and legal notices with our duty assignments on federal military installations, Nationstar Mortgage LLC/dba Mr. Cooper and XXXX XXXX/dba XXXX XXXX  have violated the fundamental principles of the Privacy Act and the SCRA. \n\nIn addition to the unknown activities of the lis pendens listed John Doe occupant ( s ) and the unknown private investor noted on the XXXX payoff quote, Nationstar Mortgage LLC/dba Mr. Cooper has delayed time-sensitive written disclosures on the unlawful activities of the dual hatted property manager/licensed realtor at the core of the transaction dispute. \n\nTransactional Brokers and business entities acting or doing business as property managers unlawfully are required to be reported under the Sarbanes- Oxley Act of 2002, the Securities Exchange Act of 1934, the Dodd-Frank Act of 2010 or any other law, rule or regulation subject to the jurisdiction of the Securities and Exchange Commission XXXX","date_sent_to_company":"2019-12-24T23:46:39.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"086XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3476973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2019-12-24T22:50:39.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cooper compliance systems are flawed, and generated VA backed mortgage lending account <em>data</em> with significant, preventable errors. Nationstar also failed to maintain detailed SCRA and VA Home Loan Guaranty <em>data</em> collection and validation procedures, and failed to implement adequate compliance procedures since the mortgage servicer account dispute began in XXXX."]},"sort":[7.0275707,"3476973"]},{"_index":"complaint-public-v1","_id":"23172762","_score":5.305278,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"1st Letter : ( 2nd letter XX/XX/year> follows ) XX/XX/year> Citibank : XXXX RE : FORMAL DISPUTE OF UNAUTHORIZED WIRE TRANSFER ( REGULATION E ) Dispute Reference Number : XXXX To the Citibank Fraud and Dispute Team, I am writing to formally dispute an unauthorized wire transfer that was processed from my Citibank savings account without my knowledge, permission, or consent. This transaction constitutes an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693g, and Federal Reserve Regulation E, 12 C.F.R. 1005.6. \nI. Disputed Transaction Details Date of Transaction : XX/XX/year>, XXXXXXXX XXXX ET Transaction Amount : {$25000.00} ( Inclusive of wire fees ) Recipient Name/Entity : Sesa Toelupe Recipient Account/Routing/Reference : Outgoing Domestic Wire Transfer ONLINE # XXXX XXXX XXXX. Account Takeover and Unauthorized Nature of the Transfer This transaction was completely unauthorized. My credentials and online banking portal were accessed by an unauthorized third party who initiated this transfer. At no point did I execute, approve, or intentionally authorize this wire. Under established federal rulings regarding online banking portals, including XXXX XXXX XXXX XXXX XXXXXXXX, consumerinitiated online transfers fall squarely under the consumer protections of Regulation E. \nI first noticed this unauthorized activity on XX/XX/year>, and immediately notified Citibank customer support/fraud operations at XXXX on XX/XX/year>, at XXXX XXXX PDT. Because I have reported this fraud within the statutory timeframes required by 12 C.F.R. 1005.6, my liability is legally limited, and Citibank is required to credit my account for the missing funds.\n\nPursuant to Regulation E ( 12 C.F.R. 1005.11 ), Citibank must now conduct a prompt investigation into this matter. I demand that Citibank : 1. Complete its investigation within the required ten ( 10 ) business days.\n\n2. Provide provisional credit to my savings account if the investigation requires more time. \n3. Fully reimburse the total stolen amount of {$25000.00} plus any associated wire fees.\n\n4. Provide me with copies of all documents, logs, IP addresses, and evidence relied upon during your investigation.\n\nIII. Detailed Timeline of Events XX/XX/year> ( XXXX XXXX  ) : A series of Citibank emails arrived stating that a payee named XXXXXXXX XXXX had been added to my account, followed by successful enrollment in Funds Transfer Services, and finally, notification that a {$25000.00} transfer had been completed. \nXX/XX/year> ( XXXX AM ) : I concurrently received a series of text messages from short-code XXXX ( allegedly XXXX XXXX XXXX regarding unauthorized account updates and wire activity involving a \" XXXX XXXX XXXX XXXX While I did not interact with these texts, they are attached to provide full technical context of the concurrent cyberactivity. \nXX/XX/year> : During the day I discovered the emails and text messages referenced above. \nXX/XX/year> ( XXXX XXXX XXXX ) : I contacted Citibank by phone ( XXXX ) and described the issue. The agent informed me that the pertinent customer service unit was closed for the weekend and instructed me to call back during XXXX  business hours. The phone number provided was XXXX. \nXX/XX/year> ( XXXX XXXX  XXXX ) : While I still had online portal access, I captured a screenshot of the transaction showing the wire transfer status was explicitly listed as Pending. \nXX/XX/year> ( XXXX XXXX  PDT ) : I called Citibank at the number provided on XX/XX/XXXX ( XXXX ). The representative stated that both my savings and Mastercard accounts would be locked and replacement cards issued. Citibank 's follow-up confirmation email lacked any specific dispute details or a case tracking number. The accounts were locked and I was unable to access them online. \nXX/XX/year> : I received and activated a replacement Mastercard, restoring access to my credit card account.\n\nHowever, no replacement debit card was issued, and online access to my savings account remained unavailable. \nLate XXXX ( Multiple Dates ) : Over the next few weeks, I made multiple phone calls and sent XXXX emails to Citibank XXXX XXXX trying to restore access to my savings account to verify if the pending wire had posted or been canceled. XXXX repeatedly assured me access would be restored in XXXX hours, but the block remained. \nXX/XX/year> : To regain functionality, I opened a new savings account ( ending in XXXX ). The Citibank XXXX unit advised that data consolidation and historical access would be resolved once a new debit card arrived. \nXX/XX/year> : I received a new debit card and activated it, which restored access to the original savings account transaction history and I was able to confirm that the fraudulent wire transfer had posted. I immediately called the XXXX XXXX ( XXXX ) to re-verify the dispute and was told to expect telephone and email follow-up. \nMay 1516, 2026 : I filed formal reports with local law enforcement and the FBI XXXX. Unverified voicemails from XXXX were received but not returned due to security precautions. To date, no official case updates nor a case number have been provided by Citibank. \nIV. Supporting Documentation Attached To assist in your investigation and verify the timeline and fraudulent nature of this event, I have attached the following documents : XXXX. Citibank XXXX Account XXXX ( with the fraudulent transfer highlighted ). \nXXXX. Citibank XXXX : Copies of the XXXX automated alert emails received on XX/XX/year>. \na. Email alert b. Email alert c. Email alert XXXX. Citibank Text Alert : ID XXXX text for XXXX fraudulent sessions, XX/XX/year>, at XXXX AM and XXXX AM PDT. \nXXXX. XXXX XXXX XXXX : Captured on XX/XX/year>, at XXXX PM PDT. Phone call to Citibank to dispute transaction started at XXXX PM and lasted XXXX minutes. XXXX was made a few minutes after the call ended. \nXXXX. Law Enforcement Record : Police Report XXXX submitted to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. \nXXXX. XXXX XXXX XXXX : FBI XXXX Complaint # XXXX filed on XX/XX/year>. \nXXXX. XXXX Text String Screenshot : Fraudulent alert texts received from short-code XXXX. \nXXXX. Summary : Citibank XXXX XX/XX/year>. \nXXXX. Transcript : Citibank XXXX XX/XX/year>. \n\nXXXX letter XX/XX/year> : REOPENED CLAIMS ADDENDUM & FORMAL ESCALATION DATE : XX/XX/year> TO : Citigroup XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau XXXX CFPB )/ Office of the Comptroller of the Currency ( XXXX ) XXXX XXXX XXXX NUMBERS : Banking Support Session No XXXX ( Given XX/XX/XXXX ) : XXXX Banking Support Session No 2 ( Given XX/XX/XXXX ) : XXXX Backend Claims Denial Letter No ( Dated XX/XX/XXXX ) : XXXX ATTENTION EXECUTION TEAM : Attached is the comprehensive letter and 9-attachment fraud evidence packet originally compiled on XX/XX/year>, and submitted to the Incident Reporting Unit ( XXXX ). This document serves as an immediate escalation to the XXXX XXXX XXXX to severe operational negligence, administrative contradictions, and an ongoing breach of Regulation E compliance by Citibank. \nCRITICAL COMPLIANCE ADDS TO THE ENCLOSED PACKET : 1. Failure to Mitigate a \" Pending '' Transaction : As documented in Section III and Attachment 4, the claimant contacted Citibank at XXXX XXXX  PDT on XX/XX/XXXX, XXXXwhile the fraudulent {$25000.00} wire transfer status was explicitly listed as \" Pending. '' Instead of halting the unauthorized debit, Citibank locked the consumer out of his portal for 35 days, failed to execute a wire recall, and allowed the stolen funds to clear. \nXXXX. Egregious Administrative Contradictions : XX/XX/year> : XXXX XXXX claims unit generated a final denial letter ( postmarked XX/XX/XXXX, delivered via XXXX XXXX XXXX on XX/XX/XXXX ). See Document 10 attached.\n\nJune 4, 2026 : Completely unaware that a denial had been mailed, front-line Banking Support agents instructed the claimant that the case was being actively \" reopened '' and requested this documentation packet.\n\n3. Due Process & Regulation E Violation : Citibank issued a summary denial on XX/XX/XXXX before receiving or reviewing the 11 pieces of definitive forensic evidence attached here. A bank can not claim to have conducted a good-faith investigation under 12 C.F.R. 1005.11 while actively blocking the consumer 's access to his own transaction history and ignoring submitted police reports.\n\nDEMAND FOR RESTITUTION : The claimant demands immediate consolidation of all conflicting claim files and immediate account restitution of {$25000.00}. Parallel complaints containing this full master file have been submitted directly to the CFPB and the OCC.","date_sent_to_company":"2026-06-12T22:42:01.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"983XX","tags":"Older American","has_narrative":true,"complaint_id":"23172762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-06-12T22:20:47.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["DEMAND FOR RESTITUTION : The claimant demands immediate consolidation of all conflicting claim <em>files</em> and immediate account restitution of {$25000.00}. 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