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

I HAVE SEVERAL DISPUTES WITH ALL THREE BUREAUS THROUGH CFPB AND FTC AND THE STATES ATTORNEY GENERAL 'S OFFICE AS WE SPEAK. EXPERIAN HAS BEEN ADDING FRAUDULENT ACCOUNTS TO MY CREDIT REPORT SINCE I FILED THE DISPUTES. I'VE REQUESTED THAT CFPB INVESTIGATE THIS MATTER? BUT TO NO AVAIL THIS IS STILL CONTINUING TO HAPPEN THIS IS VERY DETRIMENTAL TO MY HEALTH, MY CONSCIENCE OF MIND, AND A DISTURBANCE OF MY INNER PEACH!!!!!!!!! 

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

Convergent Outsourcing XXXX  In the amount of XXXX Account number # XXXX Date opened XXXX XX/XX/2022 I have no knowledge of this account and it was never opened by me and this is showing up on my XXXX credit report as delinquent with late payments. I have already tried to dispute it through XXXX and XXXX to no avail and would like to resolve it through higher ups please help me thank you and god bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had an auto financed through Capital One. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The Capital One installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call Capital One the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since Capital One is saying I am not able to pay on it as there isn't a balance due by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experien many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.
Product: Mortgage

We purchased a home in XXXX  XXXX  and the amount was {$66000.00}. Due to the mortgage financial meltdown around XXXX, the U.S Government closed GMAC the prior servicer and a new servicer came by the Ocwen. The New Servicer Ocwen sent a Modification document. Ocwen increased the unpaid balance from {$58000.00} to {$85000.00} and the Maturity date from XXXX to XXXX. Also, the modification was not signed by one of the original owners meaning a signature was missing or forged by ocwen. 

My concern : 1. Why the unpaid balance increased from {$58000.00} to {$85000.00}? 
2. Why the Maturity date changed from XXXX to XXXX? Why 6 Years extra? 
3. Who authorized Ocwen now PHH Mortgage to steal or deceitfully rip us off? 
4. Should the $ XXXX added to the principal ( {$27000.00} = {$85000.00} - {$58000.00} ) or unpaid balance enough for the two ( 2 ) years Ocwen stated we didn't pay?
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

I applied for and received a Quicksilver card with Capital One. I already have a XXXX with them, as well as a checking account. Both are in good standing. 

When I tried to activate the card, the fraud department began demanding copies of my passport and ID. I am a US citizen and I thought this sounded scammy, so I refused. 
I also immediately closed the account without ever using the card. 

The account was restricted, and they refused to remove the restriction, even though I closed the account. The result is that I can not open another card, I can not access any online help, because this closed account is restricted, and my credit has been affected. 
I have repeatedly asked for a physical address or email to send a complaint, and they refused to do so. 

They also refuse to remove the unused account from my credit report, which has affected my ability to get a home loan. 

I can not even access the complete card number because of the restriction. 

I want help to remove the restriction and to restore my credit. 

I believe that my financial accounts are being affected like this as a form of harassment after I made complaints against federal contractors who work for the Department of Homeland Security. 

Since making those complaints, I have been subject to numerous problems with credit, insurance, and banking -including being reported to security companies for " suspicious behavior, '' even though I haven't committed any crimes or been arrested for anything EVER. 


I have been targeted and harassed for years for doing the right thing, and as a reward, XXXX has destroyed my life. 

I request that CFPB help me with Capital One, and additionally refer my complaint to any other agency that can help me with a complaint against XXXX itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT PROVIDE MY PERMISSION FOR THESE ACCOUNTS TO BE AUTHORIZED OR TO GET ADVANTAGES FROM THEM.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$0.00} Status Date Reported XX/XX/XXXX Payment Status 30 Days Late Account Status Paid Account Details Account Type Credit Card Responsibility Individual Credit Limit {$3000.00} Credit Used 0 % Highest Balance {$3400.00} Date Account Opened XX/XX/XXXX Date Account Closed XXXX XXXX, XXXX Payment Details Date of Last Payment Aug 14, 2018 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Current Lender Info XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX 
COLLECTION/CHARGEOFF Credit Cards {$1900.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$1900.00} Account Details Account Type Credit Card Responsibility Individual Credit Limit {$2000.00} Credit Used 97 % Highest Balance {$2400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1900.00} Date of Last Payment Sep 23, 2016 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit card or prepaid card

I ca n't remember the date right off hand but the company took XXXX from me saying I had unpaid prepaid card bills they would call me unknown saying they need money for unpaid bills this the other week they called saying I would have to send money for unpaid prepaid cards I do n't understand why would they take from me!!!! I thought prepaid cards was free
Product: Credit reporting, credit repair services, or other personal consumer reports

PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from Quicken Loans. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted Quicken Loans to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

Quicken continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a natural person and federally protected consumer. I authorize the consumer reporting agency, TRANSUNION, LLC, and the CFPB to move forward with this complaint. PLEASE SEE ATTACHED COPY OF CONSUMER REPORT. TRANSUNION, LLC claims to have verified and updated these alleged accounts. This complaint is a demand for deletion of the following accounts from my consumer report and file for failure to report 100 % accurate information about me pursuant to 15 USC 1681e ( b ). 

XXXX XXXX  a. It is a fact the closed date is inaccurate. TRANSUNION, LLC reports closed on XX/XX/XXXX, XXXX reports closed on XX/XX/XXXX and XXXX reports closed on XX/XX/XXXX. 
b. It is a fact that the account is reporting as Pay Status as CURRENT AND CLOSED which is inaccurate to be reporting account as late for any reason. 

XXXX. XXXX XXXX XXXX XXXX  a. It is a fact that the alleged balance for this alleged account is inaccurate as it does not reflect cents. 

XXXX. XXXX XXXX a. It is a fact that the alleged balance for this alleged account is inaccurate as it does not report cents.
Product: Checking or savings account

Hello, I opened a Wells Fargo checking accounts more than 4 months ago. ( Precisely on on  XXXX  2017. ) There was a 250 usd bonus tied to the account opening in case I perform the following actions : -two direct deposits or 10 transactions on my debit account.
I clearly did more than 10 transactions during the first month.
It 's been more than 4 months and I still haven received my 250 usd bonus money.
I called wells fargo several times, and they are not being responsive.
I need my deposit asap!!!
I feel cheated!
 XXXX
Product: Debt collection

I have no debts yet I have been receiving repeated calls from " Central Credit '' who changes its phone number on a regular basis. Today 's phone number is XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CPFA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

There are unauthorized inquiries on my credit report. I requested that they be removed. However, they are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, XXXX and Trans Union credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, has some very strange and segregating policies when it come to allowing new people to join their bank. 

I applied and they denied my drivers license/water bill/ electric bill for being fuzzy, or other documents based on their police that every supplied documents must be clear, regardless of if they can be read. 
I received this below letter about 6 times from XXXX XXXX. I called to complain about XXXX XXXX, and then they denied my application saying CHECK SYSTEM a consumer reporting company said I had negative items in my file. Check Systems has old outdated information on file form 5 years ago. I have no missed payments to Banks, and I have paid off most of my late credit cards or store cards when I was laid off from work. 

Dear XXXX XXXX, Our review of your application indicates that we can not accept some of the documentation or information you provided. 

Please provide the following : Kindly note, please provide an alternate utility bill such as an internet bill or gas bill. 

To see the documents/information in question and to upload corrected versions : Go to the membership application : https : XXXX XXXX continue existing application Use the application ID we emailed to you when you started the process to view your application. 

If you have misplaced your ID, click on the application retrieval link in the Application ID field and complete the required information. 

Your ID will be emailed to you. Once you enter your ID, you will be taken directly to the document section of the application. 

For further assistance and any general questions, please contact XXXX XXXX XXXX at telephone XXXX, fax XXXX or XXXX. 

Thank you for choosing XXXX as your financial institution. 

Sincerely, Membership Support Processor II Retail Services ( T ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, We regret to inform you that your membership application has been declined due to information obtained from ChexSystems , Inc. ChexSystems did not make this decision and is unable to supply specific reasons why we have denied your request. 

You have rights under state and federal laws, including the right to : Obtain a free copy of your report if you make a request to ChexSystems within 60 days of receiving this notice. 
Dispute any inaccurate or incomplete information contained in your consumer report with ChexSystems. 

You may contact ChexSystems by using the contact information below : Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Telephone : XXXX Fax : XXXX Web : www.chexsystems.com
Product: Checking or savings account

Here 's an updated version of your email with the additional details : -- - *From : * XXXX XXXX XXXX XXXX XXXX *Date : * XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *To : * XXXX *Subject : * Urgent Complaint Regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my extreme dissatisfaction with the service and treatment I've received from XXXX over the past few months. My experience has been stressful and has contributed to a significant financial and emotional burden. 

Here are the key points of my complaint : 1. *Ongoing Transfer Issues : * I initiated the transfer of phone lines in XXXX, but the process has been marred by delays and errors. Despite numerous calls and chats with at least XXXX agents from both XXXX and XXXX, the issues persist. My grandson 's phone was not ported correctly, and I was charged for two additional lines for two months, and another line for three months. 

2. *Unauthorized Charges : * On XX/XX/year>, a check cleared my JP Morgan Chase account for XXXX XXXX XXXX totaling {$800.00}, without my authorization. This unauthorized withdrawal put me in overdraft, forcing me to take a payday loan, which has added to my financial distress. 

3. *Health and Employment Impact : * I am currently undergoing treatment for XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Due to this, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inability to resolve these issues with XXXX has significantly added to my stress and financial instability. 

4. *Retail Store Visits : * My family and I have visited multiple XXXX retail stores in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, without any resolution. The inconsistency in service and the lack of support have been frustrating and emotionally draining. 

5. *Device Quality and Promotions : * We were offered promotions, including XXXX XXXX XXXX, but these devices have not met our expectations. When requested for additional XXXX XXXX, my request was dismissed. 

This entire ordeal has caused immense stress and hardship, leading to a XXXX XXXX due to the lack of resolution despite spending over 12 hours on the phone. My family members ' work and ability to communicate have been severely impacted, causing financial loss and additional hardship. 

For resolution, I urgently request the following actions be taken : 1. Immediate reversal of the unauthorized {$800.00} charge and rectification of any overdraft fees incurred.

2. Proper porting of the remaining phone line and correction of any billing errors associated with my accounts.

3. Compensation for the extensive time, stress, and financial impact caused by this situation. 

In addition to addressing these issues, I want to highlight the exceptional support provided by XXXXXXXX XXXX, which has been the only institution providing assistance and compassion during this time. 

This matter requires your immediate attention and resolution. I hope that XXXX will take the necessary steps to rectify these issues promptly and ensure such incidents do not occur in the future. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX 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. 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: Debt collection

On XX/XX/2022, consumer received documents in mail from Professional Account Management LLC alleging debt owed. Professional Account Management LLC is a third party for XXXX XXXX XXXX Both companies have violated FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and has a current police report on file with Chex Systems dated XX/XX/2022. The following Reported Information currently listed on my Chex Systems Consumer Report ID : XXXX is unauthorized, fraudulent and not my checking account : XXXX XXXX XXXX XXXX, Account # : XXXX, balance : {$11000.00} and XXXX XXXX XXXX XXXX, the following Inquiries Viewed By Others and Inquiries Viewed Only By You, is unauthorized, fraudulent and not my inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX, XX/XX/2022
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I recently checked my credit report and saw there has been a collections added to my consumer report that I do not recognize and has had a negative impact on my credit score.
Product: Debt or credit management

i hired a credit company to repair my credit they charged me upfront and unexplained fees at least once a week. Absolutely nothing was done to my credit except opened disputes with no backup information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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. XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX 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: Debt collection

XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.