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

Experian Consumer Assistance, I am writing to express my utmost concern and frustration regarding unauthorized inquiries on my credit report. Upon reviewing my credit report, I have discovered numerous inquiries that I did not authorize or initiate. This indicates a severe case of identity theft, and I demand immediate action to rectify this egregious violation of my financial security. 

The unauthorized inquiries are as follows : 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 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 - Inquired on XX/XX/XXXX These inquiries were made without my consent or authorization, and I have not engaged in any business transactions with the entities listed above. This blatant disregard for my personal information has put my financial well-being at risk, and I refuse to tolerate such negligence from Experian. 

I demand that Experian take immediate action to investigate these unauthorized inquiries and remove them from my credit report without delay. Furthermore, I expect Experian to implement additional security measures to prevent any further instances of identity theft and unauthorized access to my credit information. 

Failure to address this matter promptly and effectively will result in legal action against Experian for negligence and failure to protect my consumer rights. I will not hesitate to pursue all available avenues to ensure that justice is served and that my credit report is restored to its accurate and untarnished state. 

I expect a prompt response from Experian confirming the initiation of the investigation and providing a timeline for the resolution of this matter. Additionally, I demand a free copy of my updated credit report once the unauthorized inquiries have been removed.
Product: Credit card

On XXXX XXXX, 2015 I received a call from XXXX, which turned out to be from Paypal credit. The call was from their fraud department asking if I had applied for credit since I have an initial fraud alert on my credit file. I told them I had not applied for credit and asked what I needed to do next, they said to do nothing and that my fraud alert was working perfectly. The reference number for this conversation is XXXX. 
Not wanting to leave anything to chance, I checked my credit file that day and found that my credit had been pulled on XXXX XXXX/PPC on my XXXX file. I submitted a dispute with XXXX to which they have already responded that credit pulls are a " factual record '' and that I would need to work with Paypal to remove the inquiry. I have now called Paypal and they have been less than helpful to remove a credit inquiry that we both know I did n't submit. I have to send a letter to a XXXX XXXX in Maryland with no tracking or accountability to remove the inquiry. My concern is that someone has accessed my file, and now there 's a record of that on my credit file and I have not initiated this. I merely want Paypal to correct the issue and remove the credit inquiry from my file.
Product: Payday loan, title loan, personal loan, or advance loan

My account is paid in full until XX/XX/XXXX because One Main was illegally withdrawing the full payments from my acct XX/XX/XXXX through XX/XX/XXXX while receiving the full insurance payments due to hardship at the same. 
On Friday XXXX, One Main attempted to withdraw {$280.00} from my back account. I called them and told him no payment was due. They agreed, but said I needed to stop the payment in advance even though I'm under their active insurance claim. I told them the money was not in my account, and to remove me from auto pay. They were fully aware the funds were not due, and are not available in my account. 
I filed a claim with CFPB ( complaint ID XXXX ) on Friday XX/XX/XXXX because of how this was all handled and the fact they were continuing to debit my bank account KNOWING fully that we were under an ACTIVE insurance claim due toy husband 's unemployment. 
This morning, XXXX, I awoke to an alert that One Main tried to redeposit the check AGAIN today after already speaking with someone on Friday and verifying this was not supposed to be processed. 
One Main has caused MULTIPLE checks to bounce and fees to generate due to their negligence. I am completely XXXX with no income XXXX XXXX XXXX XXXX XXXX. My husband, and sole provider for our family, has been laid off since XXXX. WE PAID FOR THE INSURANCE AND THEY WONT STOP TAKING MONEY FROM MY ACCOUNT!!!!
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield saving account .Capital One misrepresented their 360 Savings account as having one of the nations highest interest rates, yet failed to notify offered accountholders about the superior rate offered by 360 performance saving accounts. This deliberate obscurity and transparency violated consumer trust and resulted in significant financial losses for many, and breaching the Consumer financial protection act and the Truth in Saving Act. I seek redress for the misleading practices an failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : 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 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: Mortgage

I recently contacted Carrington Mortgage and put you on my account so you can get whatever information is needed. 

Last year I was able to modify my mortgage after contacting you. I made my XXXX trial payments as required. I heard nothing back from the mortgage company. I made several contact attempts and was told I will be getting something in the mail. I never did. Over this past summer I received paperwork to send in information again that I previously submitted to get the modification. Then a notice saying reinstatement, Currently my loan is in foreclosure with the court and I am waiting for a date for mediation. 

When I spoke to a person at the mortgage company and had you put on my loan, He went through my account notes per my request and seemed confused. He believes something happened with my modification payments and that is why they asked for the information again, that I had already submitted months earlier.. I told him that I had not received any notice or prior information about this. I had also received no information on my calls other than something should come in the mail. I now have to wait for more papers to try for a modification again.I can provide proof of the XXXX payments if needed, I just need to contact my bank. I wanted to file this asap. 

He doesn't know if the payments or terms will be the same as they may be higher because of the reapplication..My loan may be a XXXX loan instead of conventional loan.
Product: Debt collection

I have reviewed my credit reports and have found that I do not recall having an account with Ad Astra/XXXX XXXX. I have previously disputed this account on my credit report to no avail. This most recent dispute was on XX/XX/XXXX. I wrote them a letter requesting validation of the debt. I cited the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) in hopes that they would take me seriously. Unfortunately, as before, they don't. On XX/XX/XXXX I  received documents in the mail that include information from the original creditor, XXXX XXXX. There is also what appears to be a generic " Multi-pay Loan History '' typed up on 5 pages. 

There is NOT a signed contract. In fact, there's not even a contract at all. I know that a spread sheet of sorts is not sufficient to have something placed on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX card. At that time, I was given a credit limit of {$8500.00}. I used it to transfer 2 balances from 2 other cards and had a few other purchases but remained well under the {$8500.00} credit limit. During that time, I have paid every month on time and no missed payments. Today XX/XX/XXXX I received a letter informing me that my credit limit was reduced to {$6100.00}. Which has now cause my card usage to go from 70 % which I know is high but was working on reducing it to 97 % usage. That is completely unfair to do and will have adverse affects to my credit for the next several months while I now scramble to try to pay it down. I was told it was due to factors on my credit file, however the only difference in my credit file has been my score that has increased. I used XXXX to keep track of my credit score and when I applied for this card I was in the high XXXX. I am now in the XXXX range and do not understand how a company could put a customer into a position, on purpose, to hurt someones credit file. This is pathetic customer service for someone who has never been late and was given a credit limit 5 months ago only to have the credit card company decide to decrease it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Capital One lured me ( and many others ) into applying for the SavorOne Rewards credit cards by promising a cash sign-up bonus. The promised cash sign-up bonus was a substantial factor in my decision to apply for the Credit Cards XXXX Immediately after I applied for the Credit Card online, Capital One indicated that they had been approved for the Credit Card. But, even though I then spent the required amount using their Credit Cards within the specified time period, Capital One never provided me with the promised sign-up bonus. Capital Ones practice of failing to provide the promised sign-up bonus is unlawful in multiple respects. 

First, Capital One breached the covenant of good faith and fair dealing with consumers who have the Credit Card by failing to issue sign-up bonuses that are advertised and promised at the time consumers apply for the Credit Cards XXXX By failing to provide the promised sign-up bonus, Capital One denied consumers of the benefit of their bargain. 

Second, Capital Ones practice of advertising and not paying sign-up bonuses violates the Consumer Fraud and Deceptive Business Practices Act, Illinois Code Chapter 815, 505/1 through 505/12. Capital Ones promise of a sign-up bonus enticed me to apply for the Credit Cards and to spend a certain amount within a specified time by advertising terms that included a sign-up bonusthe bait.

But, after I had applied, Capital One approved me for a Credit Card on different terms that did not include eligibility for a sign-up bonusthe switch. Although Capital One had switched the terms, Capital One never informed me that they were no longer eligible for the sign-up bonus.

As a result, Capital Ones initial promise of a sign-up bonus incentivized me not only to apply for and open the Credit Card , but also to spend money on the Credit Card to receive a sign-up bonus. In other words, based on Capital Ones deceptive offer of a sign-up bonus, I applied for and charged purchases to the Credit Card that they otherwise would not have charged had they not been drawn in by the advertised sign-up bonus.

I seek to end Capital One 's deceptive practices and will be seeking to sue for damages, restitution, and injunctive relief, in a Class Action suit.
Product: Mortgage

I bought my home in XXXX. The mortgage was an ARM with a second. In XXXX I had to file for bankruptcy because the mortgage payment was getting too high. In XXXX Ocwen sent me an application for a home modification ( I received the mortgage application three days after the date it needed to be mailed back ). I called Ocwen to see if I could still submit the loan. They accepted that. Ocwen 's loss mitigation department said they were going to write off the second mortgage at that time. Ocwen denies this. I had been making payments on both mortgages, the first and second, prior to the modification. Ocwen is saying the account is in bankruptcy status. The bankruptcy was finalized prior to me starting the modification. Ocwen also states I never reaffirmed on the mortgage. I did. Ocwen told me I did not qualify for a HAMP or a HARP modification. Ocwen said they could offer me an " in-house '' modification. I started the in-house modification in XXXX. I had to make three trial payments then the modification would become permanent. The amortization on their website was for a 15-year modification. I completed all my payments on time, never late. I made the last payment on XX/XX/XXXX to pay the loan off. I had to make bank wires for the payments. Ocwen is now saying I owe 15 more years of payments. They are threatening forclosure.
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 violate the Consumer Financial Protection Act ( CFPA ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 4* financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Comenity bank recently bought the XXXX Visa from XXXX   XXXX. I closed my account before the purchase was down and XXXX XXXX still had control. 

I reactivated the account with a new card that was sent to me by Comenity because XXXX  XXXX was no longer going to accept payments despite what I was told. I recently tried to close my account with Comenity who tired to tell me twice that my account was closed on XX/XX/XXXX, 10 days before I reactivated the account so I could pay. I know that they can see the record or where my payments came from and still have full access to using the card but they refuse to look at it or tell me exactly what they see. Comenity is  XXXX awful.
Product: Credit reporting or other personal consumer reports

XXXX keeps stating there is a balance they updated the balance 5 times saying they are reporting correctly yet after the 5th complaint the State government told them they are reporting incorrect now they say they made a mistake and reported the balance by mistake 6 times now its time yo delete
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I got a call from XXXX, saying that I owed {$230.00} to XXXX. He said to call back at XXXX. He had my full social security number. This happened on XX/XX/2020. They claimed to be from AmSher.
Product: Credit reporting, credit repair services, or other personal consumer reports

As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from TransUnion, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mutiple Dispute letters sent to XXXX XXXX XXXX XXXX from XX/XX/2022 - present certified mail in reference to obtaining general disclosures and reporting options. By law 15 USC6802. Obligations with respect to disclosures of personal information Financial Institutions are to provide each consumer 3 different disclosures before reporting to a Non Afflilated third party. In response from XXXX XXXX in XXXX they asked can I explain what I need help with and each letter sent clearly stated what I the consumer was asking which is by law my right to have the option to disclose my information to non afflilated third parties. XXXX XXXX has failed to comply with XXXX5 USC 1638 credit cards fall under truth and lending and there are alot of disclosures that are suppose to be given to me allowing me to know my consumer rights with this company. Since I started my disputes in XXXX my Utilization for both accounts are being reported incorrect to all three Consumer Reporting Agencies ; putting me over my utilization limit for each account. Trying to obtain credit with my credit cards being reported incorrectly to Consumer Reporting Agencies is damaging to my character. These companies withhold information from the consumer of what there consumer rights and really hold fast from allowing the consumer to exercise there rights. 
XXXX XXXX XXXX XXXX policy to report any information other than the line of credit that was extended is only applicable if all disclosures have been made by law and there are a lot of disclosures along with 15 USC 6802. 
Accounts with Utilization XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has XXXX as a negative?
Product: Student loan

I am  XXXX  and have major financial obligations, in addition to struggling with student loan repayments, I spoke to Navient  XXXX /2017 and was told that my payments will be increased in  XXXX  to over {$700.00} I ca n't afford an increase -- I can barely pay the payment now. In the past I 've been given forbearance and what I wish I 'd been offered in a repayment plan based on my income.
Product: Credit reporting or other personal consumer reports

There are some Unauthorized Inquiries on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized inquiries is deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. 
The following inquiries are unauthorized : 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: Checking or savings account

In XXXX of 2024  my account was restricted due to a levy being placed on it by the Wisconsin Department of revenue. They placed a one time levy and took the money that was in my account. I spoke to the Wisconsin Department of revenue and they advised that the levy should be lifted in my account should not be restricted anymore. I reached out to the bank. They are stating that its still being investigated and they have no update for me. My account is locked. I cant use my account or take any money out of my account. Its going on XXXX months now and they are not supplying me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention in my file : 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 reporting

Some one opened up a credit account at CITIBANK in my name, took over XXXX $ and 2 years later I found out about it, because Citibank contacted me about the outstanding balance.