23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, these entries were made without my authorization and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Accounts XXXXXXXX and XXXXXXXX Military Affiliate Credit Cards. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. Business Projected Income is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. USAA is only for USAA members and Military and family members. The Military affiliate credit cards were never open to Non Members and Non Military at any giving time. Sending me phony XXXX tax forms and a {$10.00} dollar refund check with different account numbers. XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. I GOT XXXX!! USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide
Product: Checking or savings account

On XX/XX/2022, at XXXX, I received an email from Wells Fargo XXXX under the email address, XXXX. My email address is XXXX. This email message notified me that their was an application for a Wells Fargo Everyday Checking account on XX/XX/2022, submitted under my name XXXX XXXX. This application reference number is XXXX. I then received an email message from Wells Fargo, under the email address XXXX, on XX/XX/2022, at XXXX, with an access code- XXXX XXXX. A third email immediately followed the second email, and indicated that my application was approved for an account, an account that I did not create. I then received a fourth email, that reminded me to complete my enrollment. The fifth email I received from XXXX stated that my delivery preferences were updated for statements and notices for an account ending in XXXX. The sixth email I received was an email message notifying me that my email address was changed to XXXX. This email message also contained a number to call, XXXX, If you didn't make this request. Since I did not make this request, I called XXXX. This number is owned by Wells Fargo, as stated in the answering machine. After stating the reason for my call was for other reasons. I came in contact with XXXX XXXX XXXX at XXXX, at the Wells Fargo call center in XXXX XXXX XXXX XXXX who refused to help me deal with the unauthorized account access and creation. I then asked XXXX to speak to a supervisor. I was then transferred to XXXX XXXX at the XXXX, Idaho Wells Fargo call center, who also refused to help me. While on the phone with XXXX, I asked to file a complaint against her and XXXX both. She then provided me the complaint number XXXX. I find it absolutely astonishing that no one at Wells Fargo can help me lock my account, or prevent someone from fraudulently accessing my account. I filed a phishing complaint to their phishing email address. I provided them with my social security number, my birthdate, my phone number, my username, my email, the application number sent to my email, and the access code that was sent to my email, and Wells Fargo employees, XXXX and XXXX, both refused to help me. I am reporting this to you to have this fraudulent activity stopped stopped as soon as possible, before all of my personal information and/or financial resources are stolen. Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   2014,   XXXX    2014 30 days past due as of  XXXX  2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

To Whom it ma concern, i'am writing to file a formal complaint on a company called SN SERVICING CORP . They service my mortgage loan, i live in California and the governor order the closure of all non essential businesses so I had to shut my doors for the time being through these crisis and times of hardship. 

I called my asset manager to express what is going on and tell her and sent her proof of the documents from the county and state requiring my closure she stated she doesn't have any say it is up to the investor. I asked who is the investor she gave me a name of XXXX XXXX XXXX XXXX XXXX XXXX, WHAT CAN I DO I NEED HELP OR DIRECTION. 

In addition there is no sympathy to our situation from anyone in that company to work with us or explain anything to us all they say is its up to the investor and we do not know who that is. CAN SOMEONE HELP ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, the auto loan with XXXX XXXX XXXX XXXX was opened in the amount of {$3500.00} dollars, this loan was paid in full, I contacted the company to verify that it was paid in full and I was told that it was. I filled for bankruptcy around XX/XX/2016 and for some reason this account with XXXX XXXX XXXX XXXX was included in it, I called Experian and I disputed this account so that they can delete it from my credit report, I received a response from Experian by United States Postal Service and the account has not been deleted from my credit report. I need this account deleted from my credit report because it is affecting my credit score, my question is, how is this account on bankruptcy if I paid the balance in full and when I contacted the company that approved the loan, I was told the same thing by one of their representatives.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously I had an issue with 2 XXXX XXXX cards i was fighting for years showing late payments. I finally got it resolved through the CFPB. XXXX  XXXX sent a letter to contact all 3 credit bureaus saying that I paid on time and should have no late payments on either account. They all updated INCLUDING Equifax ... But I had a current open " dispute '' for the accountants going with equifax. So the information was updated to show on time payments as requested by XXXX  XXXX for both accounts, then EQUIFAX CLOSE THIER DISPUTE AND REUPDATED IT TO SHOW BOTH ACCOUNTS LATE AGAIN! I called and no one seems to understand or listen to me. Neither XXXX XXXX account should show any late payments as requested by XXXX XXXX via written proof through CFPB.
Product: Payday loan, title loan, or personal loan

I signed up for their loan, after approval i was informed i would have to pay a monthly membership fee of {$29.00} and make payments towards the loan for 18 months. After 18 months they would then disburse the loan to me. I said no thanks and cancelled the loan the same day. SCAM. 
Now about a year and half later theres a defaulted account showing on my credit report!
Product: Bank account or service

Scottrade had a database leak that effected nearly XXXX XXXX customers. Exposing their personal information online and allowing fraudsters to login to their online bank account stealing the money as well as selling the personal information to facilitate fraud. I was XXXX of the victims of Scottrade 's failed security and I am writing this complaint to express my concerns that Scottrade is not doing enough to assist customers who have been effected by the breach and Scottrade is also downplaying the amount of information that was exposed. 

Specifically, the following problems have occurred : 1. ) Scottrade ignored Whistleblowers who had been reporting to management that their databases were not property secured and that important authentication information was not robustly secured. 
2. ) The protection services provided by Scottrade are not retro-active. Thus if your account was hacked in XXXX, XXXX, or most of XXXX, you have no protection and Scottrade willfully admits that it is not providing protection for customers. 
3. ) Scottrade will not clarify to me whether my Scottrade Bank account was also affected. Furthermore, Scottrade states that my passwords were encrypted and not hashed which is a very serious security concern. 

This in combination with the fact that Scottrade stores your personal information is plain text makes me regret my decision to bank with Scottrade.
Product: Credit reporting or other personal consumer reports

I requested investigation of some accounts which were not investigated at all
Product: Debt collection

I had an account with Capitol One over 7 years ago and once I became XXXX I couldnt continue making the payments due to multiple surgeries and was out of work and i notified Capitol One regarding my situation. Capitol One sold my balance several times to third parties. Now XXXX XXXX XXXX put a judgment against me in XXXX XXXXXXXX XXXX for XXXX and my XXXX deposit for my bills was returned and sent to XXXX XXXX. I called him over 8 times and he never answer or return calls. Please help his number is XXXX.Case number for XXXX XXXX XXXX XXXX. Thanking you in advance. Please help me resolve this matter, its over 7 years and my money was taken out of my XXXX XXXXXXXX XXXX account in which I had to close
Product: Credit card or prepaid card

Discover card doesnt do anything when you purchase something and its defective and the seller or selling items that are defective
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and mailed a dispute letter to Transunion delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Transunion customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information i had provided. The representative said they mailed out my results on XXXX and i had to wait until XXXX before they could re-send another copy. I reached out to Transunion again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Transunion on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Product: Credit reporting or other personal consumer reports

I have called each to request documentation and none stated they have written documentation bearing my signature showing I authorized the credit file but the information was done online. Per the FCRA, I am writing to dispute and request the following inquiries be removed as I did not authorize them access to my credit file. 

XXXX from XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
XXXX from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
XXXX from XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX XXXX XXXX via XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX  XXXX via XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online. 
Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and never provided written authorization for them to perform a hard inquiry on my credit report. Was contacted and stated application was done online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. 

Equifax is the reason why this has happened!
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A LEASE IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

By manipulating circumstances it appears Citi is setting cardholders up to increase the likelihood of missing a payment so that interest may be charged.

Cardholders enrolled in paperless documents will receive their monthly statements via email. Citi says to enrollees that they will also receive a 5 - day notice prior to a payment becoming due.

The 5- day notice is not sent, the statement that was sent easily goes unnoticed because Citi sends copious amounts of spam email. The cardholder may then be charged interest. To placate the cardholder to accept interest charges, Citi may withdraw their late fee.

Upon receiving the late notice the cardholder may try to prevent similar issues in the future by logging into their account online, I found that the website changed its navigation for the cardholder with an overdue balance in such a way as to have the cardholder link payment to a bank account.

Setting preferences on the website for balance alerts via text was broken for this cardholder.

Phone and chat contact was established with seven Citi personnel whereas assurances were made but not fully delivered.

Not unlike XXXX XXXX, it appears Citi administration is gaming their unwitting account holders.
Product: Payday loan, title loan, personal loan, or advance loan

HOW ARE YOI I NEED HELP WITH THIS ACCOUNT I TRYING SPEAK WITH COMPAMY EXPLAIN TO THEM MY ACCOUNT IS WRONG WE NEED CORRECT ERRO ASAP BUT SO HARD THEY LIKE ENJOY MAKE MONEY OFF PEOPLE NOT NEVER FIX MUCH IF PAID KEEP SAYING YOU LATE THIS SO HARD FOR ME PLEASE HELP IN MANE OF XXXX XXXX
Product: Checking or savings account

Citi Bank has my account frozen due to fraud. They never notified me by email or phone. No warning at all. There was also no fraud on my account. When I call they tell me that I have to wait 7-10 days for a code to come in the mail to access ANY of my funds. I asled for a supervisor and they said theyd call me back but never did. They have hung up on me 3 times. Its the holiday season and I have no access to my money. Wont let me use my card or transfer funds out. Wont let me use ATM. I have no access to my money and they expect me to wait 7-10 business days to access MY MONEY. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I went to XXXX on XX/XX/2019 on XXXX XXXX in XXXX South Carolina I spoke with I gentleman by the name of Mr. XXXX I gave him permission to do a credit check for me I went back to XXXX on XX/XX/2019 I spoke to a young lady by the name of XXXX I did not give her permission to do a run a credit check on me she told me she was just gon na check in with System and see what I was approved for when I cant then on XX/XX/XXXX but they did she simply told me that She was not going to run a credit but she did I got hard inquiry from this credit report can yall please help me to get this off
Product: Credit reporting

On XXXX/XXXX/2015, Equifax, which merged my credit report with that of my sister unlike XXXX and XXXX, has sent me an email, indicating that the results of one of the disputes that I had started with them ( dispute confirmation # XXXX XXXX are now ready for me to view. Their so-called investigation results say that Equifax " verified '' that the items that belong to my sister, NOT me, belong to me, which is impossible! And I know, for a fact, my sister has NEVER used any of my information because the loans, installments, debts, credit cards, etc. that Equifax claims are mine do NOT show up on my XXXX and XXXX credit report as XXXX and XXXX show ONLY the loans, installments, debt, credit cards, etc. that belong to me. This is purely the fault of Equifax and their incompetent staff. They are the ones that started this mess yet they refuse to fix the very mess they created in spite of my wasting weeks trying to help them fix it.
Product: Debt collection

I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because XXXX had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a XXXX XXXX ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer XXXX or the XXXX XXXX XXXX XXXX, XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and XXXX PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX  which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.