23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a Target credit card within the last six months but never actually used it. My original limit was {$2000.00} and I noticed on my credit report that it was reduced to {$500.00} without notice. I was in the process of buying a home and concerned about my debt utilization so I called Target and requested that the card be canceled. The Target employee explained that it is common practice for Target to reduce credit limits to prevent fraud ( however the reduction of my credit limit could be avoided if I regularly made purchases ). Clearly this is an ploy to get consumers to use their Target card more often. The employee talked me out of canceling and assured me that my original limit would be reinstated. 

In the meanwhile the mortgage company re-ran my credit to secure me a better interest rate. Thankfully my interest rate decreased by 1.25 % because my score improved last month. 

I checked my score report today and found that they did not reinstate my original limit as promised and my credit score decreased by six points subsequently.

Had that happened two weeks ago I would not have secured a better interest rate and Target wouldve cost me thousands of dollars over the life of my mortgage. 

Reducing credit limits to entice people to utilize their Target credit card is deceptive practice at best. It can have a detrimental impact on ones credit worthiness.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the account sand remove them if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a line of credit and the reason for the denial they said they couldn't verify my business. They didn't reach out but just sent a email. I asked a manager and ask can I submit my business license to verify he said no
Product: Mortgage

In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. 
On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. 
I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681. 
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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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

This inaccurate address are reporting on my personal credit file with Equifax, XXXX and XXXX credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated that I was late multiple times, but I have no record of ever missing a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this company to repair my credit on XXXX of this year ( 2022 ) until now they remove some item but not the whole they promised.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and are unrecognized. I have been the victim of identity theft in the past and will attach copies of the police reports. I have requested that TransUnion remove these unauthorized inquiries from my consumer credit report yet these unrecognized inquiries exist on my credit file. 

The inquiries that are unrecognized are : - XXXX XXXX appeared on XXXX- XXXX XXXX appeared on XXXX
Product: Credit card or prepaid card

The issue concerns my Capital One MasterCard. My husband and I have been using this credit card issuer for a number of years. On XX/XX/2019, my husband and I left the country for several weeks. While abroad, I was unable to monitor the account activity. 

In late XX/XX/2019, I received an email message from Capital One requesting confirmation of a purchase. I was in XXXX, XXXX at the time and informed the institution that I did not make the purchase. I had a long telephone conversation with Capital One, from which it became clear that someone had used the account shortly following our departure from the U.S. 

Capital One advised that on XX/XX/2019, the day following our departure, someone had called to request a new credit card. At the time, I was in possession of my old card with the same number and occasionally used it for purchases while abroad. 

Long story short, I am the victim of identity theft and fraud and Capital One is refusing to take recognize that fact. They claim that no fraud had occurred and they are holding me responsible for all charges.
Product: Credit reporting or other personal consumer reports

Ive asked numerous times for this company to verify the debt and has not done so, as well as it is a medical debt and their are Bans on medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses.
Product: Credit card or prepaid card

I signed up for a XXXX  XXXX  XXXX   credit card back in XXXX  XXXX for and was adversities as 0 percent no interest credit card until balance is paid in full. Online they made you sign up for the card and setup auto pay and everything but never remember agreeing to a service where I am charged XXXX fro every XXXX dollars charged for a card security fee. for over a year they have been charging me plus interest. total sum of more then XXXX dollars on a XXXX purchase and we only used the card to make one purchase the bed at 0 percent. I checked my statement for the first time to see how much my balance was and we noticed this charge coming up every month plus interest. the customer service rep informs me when I sign up for the application I automatically enroll in this program and need to contact them to cancel. 

First I never even knew I was signing up for a service or agreed to something like that and the sales rep at the store never mentioned anything about a service fee if you sign up to have your bed financed If I knew it would cost that much extra I would of just paid in cash in full. 

The. company is.refusing to round my account for any of it because I agreed to the fees when I signed up for their 0 percent financing because something on the application was check marked saying I agreed to it.
Product: Checking or savings account

I first began my membership with NFCU as a joint owner on another member 's checking account and while on that account, I experienced an instance of a fraudulent ATM withdrawal at a NFCU ATM for {$500.00}. I filed a fraud claim on the transaction and was issued an immediate provisional credit for the charge. Approximately 30 days ago, I processed the formal removal of myself from that account and opened my own personal Account with them separately. Subsequently to having done these things, NFCU decided to deny the claim and reverse the provisional credit that was previously issued for {$500.00} but instead of deducting this amount from the same account in which it had been deposited, they illegitimately changed over to my newly opened personal account and withdrew the funds from there instead of the matching account which it originated in the first place. The two accounts have nothing linking them and the institution had no right to debit these funds from my account and I am alleging fraud at this juncture. I have attempted contact numerous times and received no help and now need intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opt out from XXXX XXXX XXXX. on XXXX/XXXX/XXXX. I have XXXX Inquires within a 2 year period on my credit report. I opt out from XXXX XXXX. XXXX/XXXX/XXXX inquires on my credit report I opt out from XXXX XXXX/XXXX/XXXX. XXXX inquires on my credit report I opt out from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX on XXXX/XXXX/XXXX with XXXX inquire I opt out of XXXX on XXXX/XXXX/XXXX with XXXX inquires I opt out of XXXX XXXX XXXXNo knowledge of this company. I opt out of XXXX on XXXX/XXXX/XXXX XXXX inquire No knowledge of this company I have not given any of these companies permission to snake into my credit report. Please remove these companies
Product: Student loan

While attending XXXX I took out several loans in XX/XX/XXXX with the understanding that if I worked as a Special Education teacher, I would qualify for Loan Forgiveness. I received notification from Sallie Mae ( Loan Servicer ) in XX/XX/XXXX that in order to have a fixed interest rate I needed to Consolidate my loans. I was NOT informed that ( 1 ) this consolidation would make me ineligible to receive Teacher Loan Forgiveness ( 2 ) I  was not informed that I had a choice of consolidation options. In XX/XX/XXXX when I had worked as a XXXX XXXX teacher with the XXXX XXXX population for over 5 years I applied for Teacher Loan Forgiveness and was told by XXXX XXXX Acct # XXXX that, " the Chief Administrative Office certification indicated that you have not completed XXXX full consecutive academic years of teaching service ''. NO mention of the fact that they had placed me in loans that were ineligible. No mention that I could Re-Consolidate back into loans that would qualify. This denial alone shows practices aimed to entrap people. This denial alone demonstrated misleading and predatory practices. I can and did prove unequivocally that I had worked for XXXX consecutive years. The second application was made in XXXX and again denied - I was not working at a XXXX XXXX school. To add injury to insult in XX/XX/XXXX I contacted the Office of the U.S. Department of Education Federal Student Aid case number XXXX Office of the Ombudsman outlining my grievances. They contacted the Navient advocate - the company I was filing a complaint against. Needless to say Navient stands behind their practices of deceit and so you are my last defense other than California 's Attorney General XXXX XXXX who is suing Navient.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BBY/CBNA XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' MACYS/CITIBANK, N.A. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX  Past due amount - Highest balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY XXXX XXXX  Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX  THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Mortgage

I received a XXXX Cancelation of debt for this account. Please remove this account from my Experian Credit Report as the retention time has expired and it is causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting

I sent a dispute to experian that was delivered certified mail on XXXX/XXXX/2015 ( usps tracking attached ). There is a judgement that I requested to be disputed item XXXX in letter, ( see attached copy of dispute letter ). This item was never investigated as requested ( see experian dispute summary attached ). Every other item was investigated and listed on experian 's dispute summary except this one. The judgement that was supposed to be investigated does not belong to me and experian had someone else 's social security listed on my report as well, which was removed. This item should be removed by LAW since it is now been XXXX days and I have not received any response on this item.
Product: Debt collection

I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX  and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX  XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call. 
Thank you, for any help you can give in this matter.
Product: Debt collection

I am writing to formally report that my personal information was stolen, leading to unauthorized activity on my credit report. In XX/XX/year>, I lost my wallet, and shortly thereafter, fraudulent accounts and transactions began appearing in my name. Specifically, I recently discovered that two apartment applications were submitted under my identity without my knowledge or consent.

I want to clarify that I had no involvement in these applications and did not authorize anyone to use my personal information. As a victim of identity theft, I am requesting that these fraudulent accounts be investigated and removed from my credit report