23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been having this credit card for 5 years and have yet to receive a credit limit increase on my card in which when i signed up for this card i was told i would be able to request a increase. I have had m y credit run multiple times and still have NOT been able to get a credit increase. I have a good paying record with this company as well. One of my cards was a secured card and i have yet to even get a increase and i was also told on that card if i made 6 on time payments i would receive the increase automatically but each time they run my credit with a hard inquiry and leave that mark on my credit without me receiving a increase and actually being denied as if im not a valued customer.
Product: Debt collection

On XX/XX/XXXX, I began receiving letters for lawyer advertisements telling me that a lawsuit has been filed against me by Galaxy International Purchasing LLC. Galaxy International Purchasing LLC has not contacted me once about this matter nor sent me any mail communication. They have not served me nor properly notified me about this lawsuit by any means. I have not received any mail concerning the debt. I can attest to this as USPS scans each of my letters and notifies me everyday of my mail via email. I have records of my mail for every day, dating back to 2019. I never gave anyone any handwritten permission that they could sell my personal information to any third party. I did not give anyone permission to sell my information to Galaxy International Purchasing LLC. I have not received any calls from them whatsoever, nor have they left any voicemails. How is it possible that a company from XXXX XXXX has my personal information when I have never given any written consent? I only found out about this through advertisements from lawyers who want to defend me in this matter. I have not been served in person about this lawsuit nor have they reported this to a credit bureau. They have made no efforts to contact me to resolve this by other means either. I have no information on this debt as none has been given to me.
Product: Credit reporting or other personal consumer reports

. I am writing to file a formal complaint against TransUnion concerning a significant and seemingly unjustified drop in my FICO credit score on XX/XX/2023. This unexpected drop occurred despite what I believe were minor changes in my financial profile, specifically related to XXXX accounts : my XXXX XXXX account and my XXXX account. 

On XX/XX/2023, I noticed a sharp decline in my FICO credit score through TransUnion 's reporting, which has left me deeply concerned about the accuracy and fairness of this credit reporting agency 's practices. This drop amounted to a staggering XXXX points, despite the fact that my actions should not have warranted such a substantial decrease. 

The changes in my accounts that occurred on the aforementioned date are as follows : My XXXX  XXXX account balance increased by a mere {$140.00}. 
My XXXX account balance increased by {$24.00}. 
The total usage increase across these two accounts amounted to just {$160.00}. To my understanding, this relatively minor increase in my credit utilization should not have resulted in such a significant decrease in my FICO score. I believe this score drop is disproportionate and detrimental to my financial well-being, potentially affecting my ability to obtain financing for various needs in the future.

Moreover, I would like to bring to your attention the possible violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion : Accuracy of Information : According to the FCRA, credit reporting agencies must provide accurate information. It appears that TransUnion 's assessment of my creditworthiness was inaccurate, given the minor changes in my financial accounts.

Notice of Negative Information : The FCRA requires that consumers be notified when negative information is reported to their credit files. I received no such notice regarding the drastic drop in my credit score. XXXX adding, the balances increased on the other credit reporting agency 's reports and XXXX nor XXXX dropped my score by XXXX points. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to determine if TransUnion has indeed violated FCRA rules and regulations in their handling of my credit report. Furthermore, I urge the bureau to ensure that TransUnion rectifies this situation promptly by correcting my credit report and providing me with a more accurate and fair representation of my creditworthiness. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documents related to this complaint. 

Thank you for your assistance in addressing this issue and for your commitment to consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one inquires dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I remember on but others no
Product: Student loan

I am making this complaint against Ascendium Education Solutions because on XX/XX/2023 my student loans were discharged due to the Borrower Defense Case concerning the Sweet v. Cardona ( " Sweet '' ) lawsuit Ascendium Education who is contracted under the Florida Department of Education refuses to give me back a refund because payments were to the loan through offsets and wage garnishments even though the letter clearly says in the borrowers defense letter the following " The benefits do not apply to private loans '' there is no written policy on ffelp loans that states that you can not be refunded or receive a refund! I spoken to XXXX who works for Ascendium Education Solutions in the ombudsman department and ask her to show me a policy on ffelp loans thats states that ffelp loans can't be refunded? I also requested for her to send me a copy of the master promissory letter and school records which she has not done so.
Product: Mortgage

My household was directly affected by XXXX. I was given a previous forbearance directly after the XXXX breakout in XX/XX/. This lasted a little over 12 months. According to Rocket Mortgage 's site, " Under the CARES Act, you have a right to a forbearance that pauses your payments for up to 12 months. Depending on your circumstances, you may be eligible for additional months of forbearance. '' I have recently been directly affected by XXXX with a family member being severely ill with XXXX. I was given only 2 month forbearance to catch up on my payments, when the site clearly says otherwise. On this day, XXXX XXXX I asked specifically for 2-3 more months of help due to the hardship, missed work, and time spent caring for my daughter. I was denied saying that I had already used the 12 month maximum amount of time. I have been wronged because their site clearly states otherwise. I requested an email of the chat with specific wording and I have not received this documentation. However, I do have the screenshots of the message. Usually a chat message is sent instantly after the chat session ends. Please help me. I feel as though I have been denied assistance and the help from a company that has misled its customers and will not help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumers Financial Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution requirements was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. Those actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to block and remove fraudulently furnished information from identity theft with XXXX XXXX XXXX XXXX. I did not consent to disclosure of my nonpublic information to any non affiliated third party. The consumer reporting agency failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused restraint of trade of commerce. I have reasonable cause to believe I have been extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer reputation. I revoke any alleged contract or agreement, whether implied or complicit that I may have been induced into due to undue influence.

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit file XX/XX/2019 confirmation # XXXX XXXX XXXX XXXX XXXX has error as 3 payments received as attach copy from Equifax. I have attach a copy from XXXX XXXX XXXX XXXX as 5 payments all paid current and paid on time. Equifax has errors on this account on correct payments received.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit reports from XX/XX/XXXX : Collection account from XXXX XXXX  with account # XXXX and a balance of {$2900.00}. 

XXXX reporting agencies have it as open and XXXX has it as closed. Also, with different dollar amounts. This is inaccurate I want all XXXX bureaus to verify these accounts! 

Next, XXXX account with account # XXXX opened on XX/XX/XXXX with a balance of {$0.00}. This account was transferred to a debt collector and is still reporting monthly. This is inaccurate Finally, XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$470.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Debt or credit management

I have had several instances of credit usage where fraudulent activity occurred. I also have police incident numbers as well. so i disputed a report of a balance that was made. this problem was resolved and it was removed. now another credit company claims that they now purchased the debit and i am going to be once again responsible for it. the issue was for Credit XXXX and the credit company removed it and now a separate company i was mad and tried sending a email to the customer service team that was given on the form but i didnt get any response and i now can not find the paperwork that was sent. i submitted the dispute 's for said instance and it was rejected then appealed and resubmitted again with the proper evidence and police incident report number that was asked for. now i believe XXXX states that i now once again am responsible for this. it didnt show up as far as i am aware of on any of my credit reports but i dont want to go through the same thing again with this issue. as it is clearly shown i got free credit report and i contacted credit XXXX it was denied it was appealed and i gave the facts of evidence that it was not valid and it then was removed and i had to go through each credit reporting agency to complete this process and it was then resolved and a few months later i got a letter from Midland credit management stating that i now owe them and that the debt valid because they purchased it. i sent them the same information i sent to the original creditor and i was paying free credit repair.com and my XXXX XXXX went from a XXXX to a XXXX in 6 months what a joke the app XXXX XXXX they got my score up XXXX points in 10 months anyway thanks any questions or help email XXXX or call ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Last month i found out that i had an account on my credit report that belongs to my father. He used my information to open the account because we have the same name
Product: Credit reporting or other personal consumer reports

I recently pulled my credit score and saw that that there were unauthorized inquiries that I would like to to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed XXXX, Equifax And XXXX as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. XXXX Has complied and processed some of my Disputes However, XXXX, XXXX and Equifax hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with Equifax and XXXX regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX In XXXX of XXXX. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. XXXX has denied all of my dispute claims against the numerous Inquiries that has been made to my XXXX Report : XXXX Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( XXXX, Equifax, and XXXX ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain
Product: Checking or savings account

BMO/XXXX  Fraud Unit Is Non-Existent XXXX | XX/XX/2023 I opened an account at BMO/XXXX  just prior to XX/XX/XXXX. I originally funded the account with {$25.00} through an ACH deposit from one of my other banks. That deposit was followed by a XXXX XXXXXXXX deposit which sat in my account for a while or until at least it cleared, which it did. I was looking at my account and discovered that XXXX of my creditors attempted to set themselves up as XXXX Accounts which I did not authorize. Before this discovery, I attempted to make XXXX ACH Transfer to XXXX different accounts. Which after 5 days they did not go through, so I called XXXX bank to discuss this transfer and the attempted external accounts. The Rep put in a complaint for me, or so I thought. Based on the attempted fraudulent additions, I ask that the XXXX ACH Transfer be canceled until this is resolved. This was on XX/XX/2023. My account was immediately locked up, preventing me access to my account or my money. I did get through to the main number and was told that the Fraud Unit was investigating and would contact me in 3-5 business days, It is now the XXXX of XXXX and I have yet to hear from this so-called Fraud Unit. Both me and my attorney have made several attempts to contact this Fraud Unit and if we do happen to get someone to answer on the main number, they transfer us to a non-monitored line, and we sit on hold for a long time and in some cases over two hours and gave up. I want access to my account and my money as I now wish to close out this account. I know I am not alone with this problem as I have read other complaints. The question is, where do I go from here? They are holding over {$30000.00} hostage and I really need my funds. How are they allowed to get away with this? Time for the Feds to investigate this bank and seeing they are actually a XXXX Bank, prevent them from doing business in the USA. 

If you follow this link, you will find Numerous Complaints against BMO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They have my account locked up and are holding over {$30000.00} of my money and are hiding the fact that their Fraud Unit is nonexistent. I honestly believe that their intent is hoping I will just go away and allow them to defraud me out of my money. Please investigate and help me resolve this injustice. I think you will find the additional complaint with XXXX quite interesting if you are not already aware of this site. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third  party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

Capital One closed several of my credit cards due to a return payment on just XXXX of my Capital One credit card, but they closed XXXX instead. I called Capital One and explained to them that XXXX  XXXX XXXX had problems with XXXX and my payments got returned. Capital One is XXXX of the owners of XXXX and could have easily checked my claim and kept my accounts open, but they chose to close my accounts after 20 years on onetime payments. I then filed a complaint with CFPB and got a generic response which is a unsatisfactory result. They did no investigation, nor did they try to contact XXXX  XXXX XXXX or XXXX to confirm my claim.
Product: Credit card or prepaid card

some one in amazon organization is charging to my card for a commission and send the items to me s if I made the order amazon is allowing the card to be over charged and then report it to the reporting agency 's as going over the limit this has to be some in amazon all the sent to is more than I ordered and no need to order that much stuff I have more rugs than I have rooms in my house to put them
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX  account ( XXXX  XXXX  account number XXXX )
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
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 the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian has violated y rights with this information on my report under 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: Mortgage

Freedom Mortgage company has a bare bone customer service department. I called to get a mortgage payment question resolved and was on hold for 1hour and 17 minutes XX/XX/XXXX only to be disconnected. The next day XX/XX/XXXX I sat on hold 46 minutes until someone answered. The representative barely spoke English and very hard to understand. It is obvious the company is operating a bare minimum customer service department.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CASHCALL Account Number : XXXX Date : XX/XX/2017 Amount : {$10000.00}