23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.

XXXX XXXX XX/XX/2022 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

I used Cashapp to send a one time payment for purchase of some furniture through there site. When I sent the money to the person and I kept getting excuses for when they were coming and it had been hours I requested the money back which later they denied. I flashed the account as fraud and put a dispute in. I was told to wait up to 14 days. In that period they didn't contact them or suspend the account nor did they even investigate the person. They never called me back and when I did they didn't care to try they told me to try asking them for the money again and they will look in to it since they didn't when they were supposed to. Still nothing has happened even though they offer use insurance with accounts. Makes sense they are being investigated for the same thing. Please help
Product: Credit card

Kohl 's opened a line of credit in my name with Capital One Visa without my consent. This is a violation of regulation Z of the Truth In Lending Act because I was not informed of Kohl 's true intentions and not given the option to decide against this. On XX/XX/2024 I received the new credit card in the mail with instructions only how to activate it and what rewards there are from purchases made with it. The Credit Card Accountability, Responsibility and Disclosure ( CARD ) Act requires credit card issuers to disclose all rates, limit fees, and limit the cardholder 's liability for fraudulent transactions. Every piece of paper that has come in the mail including faq 's page does not disclose any of this information. I have had to go down a rabbit hole searching for an interest rate or any information online. 
I haven't used my Kohl 's store credit card and several years which is what makes this so alarming to me! With interest rates being so high in the general population struggling against fraudulent online purchases and data breaches on a regular basis, I'm appalled that a company that I haven't done business with was able to open a line of credit in my name without my consent. I honestly and wholeheartedly believe that the intention of Kohl 's / Capital One Visa was to ensnare as many unsuspecting consumers into high interest rate debt for profit only!
Product: Credit reporting or other personal consumer reports

This credit card keeps changing available limits for absolutely no reason. It was {$10000.00}, then {$4500.00}, then {$1500.00}. I have an excellent credit score, so there's no reason for the card to do this.

I finally got the card back to the correct limit with Synchrony Bank, and they continue to report the card limit incorrectly to XXXX. I can clearly see that it is a {$10000.00} limit, and they're still reporting it as {$1500.00}. XXXX has been absolutely ZERO help with this. PLEASE ADVISE AND FIX ASAP!!!! 

SYNCHRONY BANK IS TERRIBLE!!!! AVOID AT ALL COSTS!!!!!
Product: Credit reporting or other personal consumer reports

Im looking to qualify for a loan to further my education. After recently reviewing my credit report, I noticed some inaccurate information on my file.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am requesting that these items be removed under FCRA : XXXX XXXX / XXXX XXXX ( Inquiry ) XXXX XXXX ( Delinquency ) XXXX XXXXXXXX XXXX ( XXXX ) I'd deeply appreciate if this matter could please be investigated and deleted per the disputed items, as soon as possible. Thank you!
Product: Student loan

I have been trying to renew my Income Driven payment plan since XX/XX/2017. My income went from 19. hour to 14. hour I have called every month since the above date.

Every time I call I speak with a different person who insists that my account will be brought up-to-date That still has not happened.

I want someone to please help me with this problem I am having with the Navient Student loan agency.

Please let me know what I can do to become part of this class action suit.

My email address is XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Onemain financial llc. 
They approved me for a great loan and after doing a hard pull on my credit everything still looked great. As I was filling out the forms I got a call from onemain. The representative asked millions questions and everything seemed fine until I mentioned I had a paid off motorcycle which they then decided to tell me it was a collateral loan. 
This is not what I was approved for originally and not what I wanted and they did a hard pull on my credit. This complaint is using misleading tactics to pull in people who desperately need money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital One Response Letter : XX/XX/XXXX, XXXX CFPB File # XXXX In with regards to your response to your letter on XX/XX/XXXX I did not apply or fill out any credit application XX/XX/XXXX for no loan with no XXXX threw no Capital One. I Financed a car in XXXX XXXX and made my first payment in XX/XX/XXXX for {$570.00} so how is it I have credit ran on XX/XX/XXXX & XX/XX/XXXX Because I did not authorize nor apply or give permission to Capital One to obtain or run credit. XXXX on XX/XX/XXXX I was renting a car so how does Capital One send me a letter as if I was or buying a car from XXXX. Capital One needs to provide documentation of such with my signature as well as the credit application with my signature as proof. 
Only time I applied for credit was in the moth of XX/XX/XXXX to XXXX of the XXXX XXXX and when I applied I instructed to only run the credit to Capital one Bank & XXXX XXXX  & The GM suggested to me I could Finance threw XXXX if I wanted to and no other credit was ran. I change my mind and did not want the car and decided to wait. XX/XX/XXXX no credit applied for to no Capital One Then Capital One has XX/XX/XXXX so why was credit ran on XX/XX/XXXX and I just got approved in XXXX and took a loan out threw Capital One and made my first payment to Capital One in XX/XX/XXXX so why was Capital One running credit on XX/XX/XXXX with out my permission and I did not apply for no credit by no one until XX/XX/XXXX I see fraud committed and unless there is documented proof of such transaction with my signature documented its fraud on Capital One because I see that my self. I don't want to here nothing from Capital One in words unless documented proof is provided and documents to support there claim as if I applied for credit on those days stated by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX missed payment XXXX XXXX XXXX XXXXXXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   the payment I owed to Target of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from Target with late dues.   When I came back which was in   XXXX   XXXX   I tried to explain to Target that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but how could I be aware that the payment to Target of   XXXX   came 6 days was late?    I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to   XXXX   which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to Target, there are only charging interests.   Even though I tried to pay the interests for  one  month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX  Target Account Number  XXXX
Product: Debt collection

Portfolio Recovery Assoc, has placed a negative collection notice on my credit report. They failed to advise me about this prior to placing it on my credit report. I reached out to them for validation/verification that its my debt. I have no knowledge of this debt, I've never had a XXXX XXXX XXXX XXXX , they sent me information, ie : account statements, numerous with different addresses. Most had XXXX past due balance and actual payments noted on the statement. I have not paid payments and advised them. Ive spoken with XXXX representatives from Portfolio and requested to send me the signed credit card agreement. All XXXX have told me they do not have that document. they purchased this debt in XX/XX/2019 and only received the documents they've forwarded to me. I've explained this debt is not mine, however, I do see its addressed to me. I advised them that I believe this debt to be my ex husbands and not mine, however they cant provide me the solid proof who it actually is that owns this debt. they continue to report they've proven the validity of this debt to be mine. Account statements being mailed to a variety of addresses ( some I have never lived at ) is not credit card debt validation. The best document to use would be the signed credit card agreement. I have been told who applied and was approved could have applied online and used my social security number. Ive had several accounts on my credit report that I have disputed and know they are not mine, but my ex husbands. He used my social security number to get a different bank credit card. This is not my debt, I believe this is fraud and I also believe Portfolio has not verified and validated this debt. They need to find the person who paid payments and who actually applied and approved for this card. I've sent them XXXX  dispute letters and requested this document. they have failed to truly investigate it and are only concerned with making someone responsible for the debt. Having the correct person responsible is not important to them. This has been on my credit and has caused significant decrease in my credit score. They continue to park this debt on my report knowing they haven't validated and verified this debt legally. the credit bureaus are being told this and haven't fully investigated either. Theyre believing Portfolio and not working on behalf of the consumer. I am once again requesting the document that could validate this debt. If they do not possess this document I am requesting this debt be removed/deleted immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX  XXXX ( Finance ) XXXX XXXX  XXXX ( Finance ) XXXX XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX  XXXX  ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving
Product: Mortgage

I applied for a mortgage refi. They sent a pre-approval letter. i was an afternoon sending them the multitude of documents they require only to get an e-mail saying the loan is denied. One of the reasons for the denial was what they claim was too low a credit score. They use some bargain basement credit company in XXXX XXXX called XXXX. XXXX said my credit score was XXXX, i checked my credit score with XXXX and XXXX and it was XXXX and XXXX. It might have been higher but for the hard lit caused by XXXX. They also claimed my loan to equity ratio was too low, the loan was {$240000.00} and the house is probably worth over {$380000.00} with the improvements. Curiously, they wanted my to grant them access to my bank acct, maybe this is just an elaborate scam.
Product: Checking or savings account

I opened my account in XXXX  under my business forever. Changed ministries, which I also opened an account under forever. Changed foundation and a personal account with Wells Fargo bank, they had held {$XXXX} checks for over XXXX weeks. Froze, my account closed my account and I had to go through hoops to retrieve my money, which didn't Damaged, and uh, after doing that several times it affected adversely affected my business, which I had to close.No matter what I do I can't change
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/XXXX I sent a inquiry removal letter to Equifax and recieved no response. It has been well over 90 days and these inquiries remain on my credit profile causing me problems on trying to acquire credit in my name. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA ( Fair Credit reporting act ) 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately! I believe Equifax is ignoring my letters for these inquiries.I called the below creditors and they have NO proof I initiated such inquiries, nor writtenauthorization please delete these inquiries off my credit profile it has damaged my character long enough.
Product: Checking or savings account

I am trying to access my account through a third party app on my mobile device, however TD Bank will not allow access. I have called TD Bank 's customer service twice and spoke with a customer service representative and a specialist in Technology Support, both of whom who were unable to assist me in linking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with XXXX. Even though XXXX has and was provided documents from themselves in the past they simply send back a letter saying Ocwen states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The XXXX agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with OCWEN and XXXX. XXXX needs to fix its dispute system and OCWEN needs to be held liable for the abuse of its reporting
Product: Student loan

Sallie Mae is reporting XXXX paid and closed account. XXXX consolidated paid and closed account and XXXX open account that I am making payments on and they are refusing to remove the paid and closed accounts because they know that it is affecting and ruining my credit. There is no reason for these accounts to remain on my credit report. I have requested these paid/ closed accounts to be removed as there is no reason for them to still be reporting and on my credit report. They are paid and closed. Why XXXX refuses to remove them is beyond me. Maybe because they are a government agency who is dead set on ruining people.
Product: Checking or savings account

I opened an account with First Tech Credit Union a week ago, the only transactions on the account have been from my other bank account with my name on it. Today I received a message they have locked and froze all my accounts with them due to fraud! Literally the only transactions associated with this account have been from another account at one of the largest banks in the world in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Student loan

To whom this concern, Due to financial constraints I found myself in default on XXXX student loans ( administered by XXXX different loan servicers. In months that followed, I entered into student loan default rehabilitation on XXXX loans ( Account # XXXX - {$130000.00} & Account # XXXX - {$57000.00} ) with GC Services. Less than a month later the third loan servicer ( Florida Department of Education ) initiated administrative wage garnishment through my employer. I sent the appropriate the documentation to GC Services via certified receipt mail and all receipts were signed and returned. To this date, even after all requested documentation has been provided often times repeatedly, GC Services insists on increasing my monthly rehabilitation loan payments more than 8 months into rehabilitation because they will not acknowledge documentation that I have already sent ( e.g., Form XXXX - Child and Dependent Care Form, pay stubs, etc. ). In fact they will not acknowledge the fact that my wages are now being garnished and they will not acknowledge the expense tied to the other rehabilitation loan, which is being serviced by their own company. In addition, they have refused to accept IRS Form XXXX from my 2014 tax filing and a copy of the document provided by my son 's care care providers as evidence of my dependent expenses. They are insisting on yet another document with company letterhead as a receipt for payments received for services rendered. It is my belief that this particular request is merely a plow to harass to pressure me into agreeing to pay more than what I agreed to when I entered into rehabilitation. Since I am earning significantly less due to wage garnishment then when I entered into the agreement, I would expect that they would lower my monthly payment obligation rather than try to use any excuse to raise them. I have always intended to repay my student loans, however, circumstances beyond my control have inhibited this endeavor. Rather, I must stipulate that GC Services in engaging in predatory and unethical practices to secure higher payments which has put me into position where it may compromise my ability to successfully complete loan rehabilitation and cause further damage to my family 's financial standing to include the ability to meet our financial obligations ( mortgage, car payments, daycare, etc. ). Please provide whatever assistance you can provide to help remedy this issue. Thank you. 
Respectfully, XXXX XXXX XXXX, XXXX.