23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

Opened a checking and savings accounts on XX/XX/2021 Have not received atm/debit card. Used the chat service .. told need to order, but ordering was not available on line to me. Told to call customer service. Associate was unable to order an card. Transferred me to account security. Who says account is under review? but had no reason for the review and no other information. USAA does not have local branches I have no way to get cash with out an card and they did not even notify me and will not provide any farther assistance.
Product: Mortgage

Wells Fargo charged late fees wrongfully, Placed my full monthly payment as a unapplied payment. Forged loan documents for the loan paperwork. Incorrect application process for a loan modification. Attempted to foreclosure on my home. I had to get an attorney to save my home from foreclosure.They put foreclosure information in the local news papers. After spending nearly {$24000.00} on attorney fees. Wells Fargo lost. We were able to keep our home but it took all of our savings.When my credit recovered from situation, We we're finally able to refinance with a reputable company.
Product: Debt collection

I discovered that my credit score had declined due to a report from Russell Collection Agency. I have never received a call or mail notification from this company and I have no idea what it is from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX of XXXX I tried to make a payment but case was closed because my attorney failed to make a modification. Ditech/Greentree filed a motioned to lift the automatic stay, because I missed two payments but, one of the missed payments was my attorneys fault which raised my payments 60.00 more, but stay was lifted. I found out months later from the trustee that my attorney without my knowledge had surrendered my home the year before & then applied for more money! but was denied. The trustee told me that I had around 7,000.00 at her office. I asked Ditech if they would accept that & modify my loan, & my husband a ( veteran ) had offered to take out a VA loan if it would help us keep our home, but they refused & said that I had to have XXXX before being considered! Previous to this we hired XXXX XXXX XXXX to lower our interest which was at 10! /2 % for 20 years we owed almost what we gave for it! Our payments that went from XXXX to XXXX from Bankruptcy. I had applied on line for a modification which is '' '' STILL BEING REVIEWED, '' '' today! We hired another attorney which shows on the NDC summary a modification to the plan was made the day before MY HOME WAS SOLD which was XX/XX/XXXX!!. Last year my attorney was arrested & yesterday he & his paralegal were arrested for XXXX, Yesterday we GOT EVICTION NOTICE!! .. Is there anyway we can stop this due to No counsel?? asap ... they are kicking us out Immediately!! Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was reported on Equifax to an account of a loan not belonging to me opened in XXXX, the same date as another fraudulent account reported by me and removed from report. The account belonging to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

They are reporting inaccurate information on my credit report. the balance is incorrect, the past due balance is incorrect and the date opened is also incorrect. this is hurting my credit history bad. 
i would like this removed immediately please. 

Additionally, under 15 USC 1681b, a consumer report can only be accessed for purposes that are specifically authorized by law, such as credit transactions, employment, or other permissible purposes. 
I have reason to believe that my credit report was accessed inappropriately without my authorization or a legally valid purpose. 

XXXX XXXX XXXX XXXX is reporting inaccurately
Product: Credit card or prepaid card

Close to the XX/XX/XXXX I received a credit card I never applied for in the mail. Therefore I waited a few days and started this process of reporting and getting this fraudulent card deactivated before the creators charged money to it.
Product: Payday loan, title loan, personal loan, or advance loan

Ok so I have been through this before with money lion. I finished paying off a loan ( credit builder loan ) and wont give me my reserve funds I had to get the loan. They deleted my account years ago wont tell me how much money I have I have sent multiple emails and phone calls to no avail and always receiving the same answer ( we will get back with you ). They wont even tell me why my account was deleted. ( Suspicious activity ) I dont even know what that means. I did not know a bank can legally withhold my money that they have. Last time nothing happened for 2 years until I submitted a claim. Then all of a sudden I got a call and they sent me a check within a few days. They told me it will take 3-5 years to get the money back to the originator. They will not tell me who the originator is. I thought I was the person who put the money into the account ( me ). I believe its XXXX $ Im not sure because my account has been closed two years and they wont let me open an account or give me any of my information over the phone. This may not sound like a lot of money to you but it is a lot of money to me and its not right they can do this multiple times. I have all the email I can forward if needed. Please actually help me or give me a call with what to do. This company I will never touch again. 

The only thing different this time is I got an email saying I paid it off and that I have two options to get my money back. Create an account ( I called and tried online they will not let me or tell me why I cant ), option 2 link my bank account to my roar money lion account ( I called and was told Im not allowed to create an account per company policy and closure of accounts and they also would not tell me why or how to get my money just send XXXX document to this email and no response ). They literally will not tell me how to get my money the but they will tell me to do something I can not do like create an account or link my bank to an account that Im not allowed to have or create???? I dont even know if this breaking laws but it very much sounds like it should be. So how do I do something that they will not allow and they tell me its the only way to get my money? I just hate the fact that they know what they are doing on purpose and they get away with it. 

Also the next page of this complaint asks for a loan number but I was told they can not provide me with that information!? So the number I put in it is just random.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX XXXX XXXX ) XXXX  XXXX XXXX- {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX/ {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} XXXX  XXXX- {$44.00} XXXX XXXX  XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX XX/XX/21
Product: Student loan

I am on an income driven repayment plan, and had an income recertification due XX/XX/XXXX. Per the XXXX website, it said that any recertification due date before XX/XX/XXXX, would be pushed out one year, so my recertification date should be XX/XX/XXXX. Mohela did not update my recertification date, and has now taken out of income repayment, and placed me on a standard repayment, and now my new payment has skyrocketed to over {$5000.00} a month. The wait times are hours long, and I work a full-time job during their office hours. I have sent emails and have not received any responses. Ive spoken with many others who have run into the same problem, and they also have encountered the same horrible communication and misinformation.
Product: Student loan

A check for the amount of {$6200.00} was cut by XXXX XXXX XXXX and mailed to Mohela student loan servicer on XX/XX/year>. The check was cashed by Mohela on XX/XX/year>. Student loan account number is was suppose to be applied to is XXXX. However to date, the payment has still not be applied to my account and they are still requiring my monthly payment amount. Myself and XXXX XXXX XXXX have spent hours on hold trying to get a hold of someone. We have repeatedly sent proof of payment and that the funds were cashed by them. No one gives us answers and no one at Mohela can find where the funds went.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. There are also Hard inquires that I did not do or authorize anyone to do on my behalf. These accounts and inquires are hurting my ability to obtain credit.

Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350000.00} 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
Product: Credit card or prepaid card

We received the bill for our 16 company fleet fuel cards ( XXXX XXXX XXXX ). 
We have had this account for more than 10 years. 

One of the cards showed 4 purchases for gas in XXXX. The 4 purchases were all made within a 70 minute period at 3 locations on XX/XX/XXXX. Total of the fraudulent charges was {$1100.00}. A 5th purchase was attempted, but the credit card company declined the charge. 

The card was in our possession in Kansas at the time of the charges ( it was not lost or stolen ). 

Furthermore, the cards all require a passcode to authorize charges. The passcode was not used for these fraudulent transactions. 

We notified the credit card company via phone and in writing on XX/XX/XXXX. Their fraud department stated that we are liable for all charges on lost and stolen cards because our company has more than 10 credit cards for the fleet. The card agreement states that we are liable for " unauthorized use '' if the card is lost or stolen. The card was not lost or stolen, and the credit card company didn't do their required authorization check of asking for a passcode.
Product: Mortgage

I was contacted by Planet Home Lending to look at an IRRRL for my VA mortgage. 1 month in, I was told, " We have the rate locked. '' Then, " I am sorry, I was looking at the wrong file ; we don't have this locked yet, but it should be any day. " ; but during this interim, I was told not to pay my mortgage because it would somehow hinder closing. 

I followed this guidance until the XXXX day after my normal due date but then paid regardless of their guidance. 

XXXX weeks later, I received another notification, " We have your rate locked, don't pay your mortgage. '' I verified that they had, in fact, obtained a new rate and requested updated disclosures. 

Taxes and escrows were completely estimated, and the structure of the new loan not only absorbed all equity I had already built but then added another $ XXXX to the principle. 

I declined based on misleading information from verbal/email communications to the resulting disclosures. Had I not been a more prepaired buyer, this would have turned into a predatory activity undertaken against me. 

I want you to make an information request for all communications that I have had with Planet Home Lending from XXXX to any of the following : XXXX XXXX : XXXX, XXXX XXXX XXXX and especially XXXX XXXX XXXX. 
Loan number : XXXX I am in a situation now where, based on their twice guidance to " Not pay the mortgage '' due to closing, I am paying my mortgage on day XXXX instead of day XXXX, resulting in a late fee. I have requested that they take internal action as this was a product of their guidance, which they refused. Further, what this resembled was to create a situation of fear and emotion where it was conveyed, " If you don't close, you are going to be a month behind, '' and then being offered predatory terms. 

I am very XXXX off that an organization could be allowed to leverage the XXXX loan program against me, a combat-wounded veteran, for the purposes of creating a difficult situation and then seeking to profit from the situation that was created. 

Further, when I brought this up, I called their resolution department, and they wanted me to go to the XXXX for a hardship evaluation, proclaim ( make up ) financial hardship, or cite " COVID '' in order to qualify for a deferment from the XXXX. I told them that I was not interested in lying. 

I want them remanded and I want some other loan provider to service my mortgage. 

Thank you.
Product: Checking or savings account

Good evening, I 'm making a class complaint i n behalf of many who have shared similar issues with Wells Fargo. I will provide a routine scenario : Customer has XXXX in their checking account. Customer attempts to purchase with their debit card a XXXX dollar item and the transaction is declined. Customer calls the bank and inquires. Banker at Wells Fargo states that their daily limit is XXXX dollars. Customer request a temporary increase. Banker attempts but comes back with an answer " Sorry sir, the computer will not allow me '' customer effectively can not access his money from his account. There are many people in this class that Wells Fargo has barred access from using their debit card even after full verification to make purchase. The debit card is the new electronic check but with restrictions that preclude good people from accessiing their accounts. Please investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a FREEZE on my credit reports in the past week of XXXX XXXX, XXXX and when I called XXXX XXXX at XXXX on XXXX evening, I told them my accounts have a FREEZE on them. I have a pin number that was sent to me, but apparently the FREEZE does not work. I was able to purchase XXXX at the level I chose with the 30 day free promo code. I was unable to call them to fix this because of the long phone queues and no one answers. I know they are under fire from watching XXXX XXXX. If the FREEZE is not going to work, t hen do n't issue a pin number. I always follow up. Trust and verify.
Product: Debt collection

My identity was stolen and fraudulent accounts made in my name by person who I have a permanent protection order against. It is being investigated.
Product: Vehicle loan or lease

I have an account that i will at least once if not twice a year make a lump sum payment towards ( 4 times my normal ). On the most recent I contacted XXXX XXXX at the Presidents office to make her aware it was being done again. About 3 weeks ago, i received a call last week from another agent stating i would NOW have a balloon payment at the end north of {$2000.00}, i told her i never had that in my normal contract and as of XXXX no paperwork has been mailed to me. I again spoke with XXXX on XXXX about the {$990.00} ( XXXX ) {$38.00} ( XXXX ) payment and she informed of some change and if i wanted to continue that would how it work. I told her NO i wasn't going to agree to the new terms reducing my monthly from roughly {$250.00} to XXXX with a balloon payment at the end. I received am email from XXXX today stating my balance on my loan INCREASED instead. It went from {$7600.00} to {$8600.00} for NO reason. I have made payments in excess, lumps and always on time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : XX/XX/XXXX
Product: Bank account or service

Dear CFPB, On XXXX XXXX, 2016, I went to the Comerica Branch in XXXX XXXX, XXXX XXXX to close my individual account. A couple of months later I noticed funds had been withdrawn from a different joint account on which I am a signer. It turns out the Comerica Branch in XXXX XXXX did not properly close my account on XXXX XXXX, and as a result, I was incorrectly charged inactivity fees, which then turned into overdraft fees as the account dropped below {$0.00}. This negative balance was then automatically pulled from the joint account. 

I went to the XXXX XXXX Branch where I closed my account in an attempt to resolve the issue. The manager there told me to contact the branch in Texas where I had originally opened my account. I have been sent back and forth with no resolution. Comerica owes me {$50.00} as a result of being charged inactivity and overdraft fees due to their error. I have patiently worked with them to no avail and request the assistance of the CFPB in finally resolving this simple matter. 

Regards, XXXX XXXX XXXX
Product: Prepaid card

I received {$100.00} gift card, when I opened the card had some scratched on four numbers, like it was intentional damaged. I tried to use the card and had error. I called the company Vanilla Visa Gift CardXXXX. They refused to help, they said nothing could be done, I asked to review the last transaction. or why new card had scratches. 
The packaged was closed and sealed. This was used XXXX balance card sold for {$100.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate addresses : 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 Unauthorized inquiries : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inaccurate employment : XXXX, XXXX XXXX XXXX XXXX Incorrect name : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have received at least 2 letters from Central Financial Control attempting to collect a debt that was paid in XXXX 2016. After the 1st letter I sent a letter disputing the charges and requested proof that they had a right to collect. That was on XXXX XXXX, 2016. I just received another notice/bill ( XXXX/XXXX/2016 ) threatening to report this debt to the credit bureaus. 
Not sure how to make them stop sending these notices.