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

I have been a very good credit customer with Target for almost two decades. Over the years they have increased my credit limit to XXXX. On XX/XX/2020, I received a credit alert from XXXX XXXX. That alert indicated that Target has reduced my credit limit from {$12000.00} to {$3500.00} which can impact my credit rating. I checked my Target account and it did show that my credit limit was now set to {$3500.00} with no notification and no explanation. I contacted Customer Service immediately. I was told by the account rep that it was due to the fact that I hadn't used the card in six months. I was appalled given that they would take this action for non-use during the Covid-19 pandemic. I then requested to talk to a manager.  The 'manager ' told me that it was because I had a high balance on one of my revolving accounts which was reported by XXXX. She would not tell me what specific account nor give me any information on how to contact the credit reporting agency. Prior to this event - my total credit usage was at 8 %, but now it is at 11 %. They told me there was nothing they could do. I told them that I do not understand why they did not notify me of this change that impacts my credit rating and I only found out about it through another bank. They told me that it is nothing that they did and that it was because of the credit reporting agency actions.They also said there was nothing Target credit services could do to help me. 

As a result of this change my previous credit rating of XXXX has dropped to XXXX. 

I have a separate account that I recently took advantage of a 0 % interest deal to pay for a college fee of {$6000.00} for my son because I can pay it off gradually over 9 months instead of paying up front. I can only assume that is the account they are flagging - but I've had much higher balances on multiple cards in the past, temporarily, without these kinds of actions being taken, so my only thought is that they are likely cutting credit lines to many people to limit risk due to the pandemic. I paid off a lot of debt over the past year - including my vehicle and am almost done with a home improvement loan which was originally {$25000.00} and is down to $ {$3100.00}. This is disturbing because other accounts could take similar action because of this event and further damage my credit rating. 

I have been employed with my current employer for over 20 years and am able to work from home 100 % of the time. My company is doing very well through this crisis. I am very low risk for creditors, and this is very disturbing that they can do this and have this negative effect on my credit rating without even notifying me. I can only imagine what this could be doing to people that actually need to use their credit lines during this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3.  Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my rights by UPSTART NETWORK , INC. on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections1637 ( a ) ( 5 ) ,1637 ( a ) ( 6 ) ,1637 ( a ) ( 7 ) ,1637 ( b ) ( 1 ) ,1637 ( b ) ( 2 ) ,1637 ( b ) ( 3 ) ,1637 ( b ) ( 8 ), and1637 ( b ) ( 10 ) of this title, the termcreditorshall also includecard issuerswhether or not the amount due is payable by agreement in more than four installments or the payment of afinance chargeis or may be required, and the XXXX, by regulation, apply these requirements to suchcard issuers, to the extent appropriate, even though the requirements are by their terms applicable only tocreditorsoffering open-endcreditplans. UPSTART NETWORK, INC. was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Leading Act by UPSTART NEWTWORK, INC. via electronic mail. I got denied of my rights because We were unable to verify your ability to repay back the loan based on your current obligations and income. In which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8.According to 15 USC 1602 definitions of The Truth in Leading Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART NETWORK, INC. adverse action take against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). UPSTART NETWORK , INC. is now civilly liable to pay me for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I told Experian, XXXX, and XXXX to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I attended XXXX XXXX XXXX ( XXXX XXXX, MI ), around XXXX. The courses were too difficult for me to comprehend, so I withdrew from my classes in the allowed timeframe, after completing a semester. 
I committed a crime, and was imprisoned from XXXX XXXX to XXXX XXXX. During my prison stay ( XXXX ), I began to receive bills from a creditor concerning XXXX XXXX. I immediately typed/notarized a letter informing the creditor that I was housed in XXXX and was unable to make payments at that time. 
Upon my release ( XXXX ), I made contact with Navient Solutions concerning the XXXX private loans. I made payment arrangements, which were in agreed upon with Navient Solutions. I have been making, my scheduled payments, as agreed upon. 
The problem is, Navient Solutions, has continued to charge me interest on the XXXX loans. XXXX of the loans is being charged as much as {$100.00} in interest per month. 
I am mentally XXXX and receive. XXXX monthly payment per month. I am making my agreed upon payments each month, I can not afford for Navient to charge me these interest rates every month. Also, I put the XXXX private loans on my bankruptcy which was discharged, and Navient Solutions stated that does not change the loan, Is this true?
Product: Credit card or prepaid card

I pay my bills off fully as they come via online banking. I thought online bill pay took a day or two to clear. I didnt realize that that a payment could be mailed and could take five days to process. So in XXXX I paid my bill on XX/XX/XXXX. Not due until XX/XX/XXXX. It did not post until the XXXX. They are charging me a late fee. After reading the bank policies, I see that I could take five days. That still should post on the XXXX, not the XXXX. 

My original complaint was over my XXXX bill. I paid it on the XXXX thinking it was it was online, not mailed. It was due on the XXXX. They are saying they didnt receive it until the XXXX. When I complained to the XXXX  XXXX  XXXX  I got this letter, with a completely different date structure. But if this is really the late payment, I was even earlier on this payment and it should have cleared with two days to go. 

Im arguing the original late payment and the ones that compounded while I fought the first. I dont know why its taking them so long to process a payment but I shouldnt be charged since I didnt realize that it was online bill paying. But even more so because the five days check window is clearly a processing issue on their end. And I should never have paid the {$37.00} in XXXX because it was a late fee that I didnt pay attention to and it was incorrectly paid. So ultimately I should be refunded {$37.00}. I did owe the penny as I see that I missed it in the XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : Account Name : XXXX XXXX  Original Lender : XXXX XXXX XXXX  XXXX XXXX Name : XXXX Date Assigned : XX/XX/2023 Original Balance : {$1000.00} Current Balance : {$1000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXXXXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

Sincerely,
Product: Mortgage

Wells Fargo is saying I have not paid them for 22 months. I have bank statements to prove I have. I have charged them for my accounting services. Even though I have sent my bank statements, they still say I haven't paid. Since the last fax of bank statements, they are saying they can't read the statements. Other times they said they never received them. I want to sue them for this negligence. They are claiming I owe them 20k. This is 20k of money I gave them that they are stealing from me. They want me to sign a loan modification for another 30 years and add on about 20k.
Product: Credit reporting or other personal consumer reports

On my Experian report # XXXX I have disputed a few times already that they are reporting over and over inaccurate and incorrect information and that is damaging my credit report I am so tired of them doing this with items on my credit report! The issue is with my XXXX XXXX  Unsecured credit card I opened in XX/XX/2023 which is incorrect and when looking at the Experian you can see they even report it as when the card was opened and then they have backwards information reporting that the last update was XX/XX/2023. That information is backwards! Also, they are reporting that the account has been included in a bankruptcy which also is false information and reporting negatively to my report every month! This account has been closed but has a small amount of history from XX/XX/2023 to XX/XX/2023 of on time payments made and still a balance of {$100.00} which isn't even due yet until XXXX next month XXXX. Please Help me! Thank you!
Product: Mortgage

The mortgage company continues to call the borrowers bankruptcy attorney. The bankruptcy is long done and we do not represent the borrower anymore.

They keep calling to ask if I can follow up and get mortgage documents for them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX-XXXX XXXX has a late payment on my credit report ; XX/XX/XXXX Comenity Bank Victoria Secret has a late payment on my credit report ; XX/XX/XXXXXXXX XXXX has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error
Product: Credit card

Target XXXX XXXX XXXX XXXX, XXXX. XXXX Attn. : Collections Correspondence Dear Sir or Madam : While visiting our daughter in XXXX in XXXX XXXX, my wife XXXX and I shopped once in a Target store and were delighted to be asked to open an account ( which we thought was a discount card ). While there are no Target stores here in XXXX, we do travel on business and felt having a Target card would be useful. We expected to receive a Target card in the mail but one never arrived, hence we did not activate it. Nor did we receive any invoices for the single small purchase we incurred until XXXX XXXX, XXXX. We were horrified to discover that our small purchase had ballooned into a {$130.00} bill with four months of late fees! 

On XXXX XXXX, I contacted Target representative XXXX XXXX at XXXX. I explained that we had never received the Target credit card, and she confirmed that a card in XXXX 's name had never been activated. I also explained that the first card statement we had EVER received was for a closing date of XXXX XXXX, XXXX. I told her that I was more than willing to pay for the costs of goods we purchased but I explained that we had had no knowledge that the account was in arrears and requested that Target drop the exorbitant penalty fees. She said that she was more than willing to drop the accrued interest but she refused to eliminate the penalty fees. 

I then requested that I contact a supervisor. At XXXX on XXXX XXXX, a supervisor named XXXX called me back. I again explained that we were more than willing to pay for what we purchased, but had no written knowledge of ANY indebtedness, and especially the the past due debt until XXXX XXXX, XXXX. XXXX refused to eliminate the penalty fees, and suggested I write to you. 

We have searched our small rental condo repeatedly and have found no correspondence with Target since the initial purchase until the XXXX XXXX, XXXX letter with the XXXX XXXX, XXXX invoice. There is no Target credit card either. We can not explain how XXXX letters from you and the original cred card have gone missing, but can confirm that relatively frequently other mail we expected was never received at our mail stop. 

The simple fact is that we are willing to pay the initial amount we charged, but the amount we initially charged has ballooned to four times the original amount in 5 months. We know this new charge is both grossly unfair and illegal under XXXX law as well. Hopefully your office can rectify this matter amicably, as we know that Target has a reputation for high customer satisfaction. If not rectified, my wife XXXX is a XXXX and will be taking this matter up with the XXXX State 's Attorney general 's office. 

We sincerely hope that you will roll back the clock so that we may pay the original purchase price and move forward with a positive relationship with Target, but are prepared to contact the State 's Attorney General if you chose not to eliminate the late charges. We believe you have violate XXXX consumer protection provisions in your collections and are prepared to move on that front if this issue is not settled as we have suggested. 

Sincerely,
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 preventand address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution products says was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX, with 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I ask for a debit validation letter that i haven't received with my signature on it that i own this collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Nelnet has failed to report to the credit bureaus, the correct balance on my student loan account for the last 2 months and is soon approaching the 3rd. 

The account is now paid in full and payments made in XXXX and XXXX are not posted the balance shows {$6900.00}, my XXXX balance, with 4 added payments made since then to zero the loan. 

Reference my previous CFPB report XXXX. Nelnet has severely mismanaged the unnecessary consolidation of accounts ( XXXX XXXX  into Nelnet ) and delayed my payments now they are FAILING to report to the credit bureaus. 

In ADDITION, the previous Great Lakes reporting and payment have disappeared from Nelnet last report on XX/XX/2023. I have paid {$40000.00} in total payments and to today history reports only {$6900.00} ever borrowed reported to the credit bureaus. 

Again, today 's balance is now XXXX but I have ZERO confidence Nelnet will ever report anything correctly to the credit bureaus. I have filed disputes with XXXX and XXXX.
Product: Debt collection

National credit adjusters got this debt firat and then sold it to XXXX and then sold it to XXXX. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )
Product: Mortgage

My COVID-19 loan forbearance ended and I applied for a loan modification through my existing lender XXXXPHH Mortgage and supplied all documentation including PDF 's of my paystubs via email on XX/XX/2022 and an updated application on XX/XX/2022 with the paystubs as a separate PDF 's downloaded directly from my US Government employer. 

I followed up with calling XXXX and was told they were not able to read my paystubs as they are " blurry. '' I resubmitted my full application and paystubs again on XX/XX/2022 and via fax XX/XX/2022. Each time I was told the same information, but now they could read one of the paystubs yet needed another as one was blurry.

I spoke with various Ne I received a letter from XXXX dated XX/XX/2022 stating my application for modification was closed due to me not submitting my paystubs. 

I have called XXXX numerous times and am at wits end since I copied myself on each email to them and can read ALL attachments clearly on my phone, home and work computer. I really feel like XXXX is creating imaginary hoops for me to jump through and want to foreclose on my property. 

I called XXXX today and was told I would have to file a new application but I requested they reopen the application. I am awaiting a supervisor to call me to tomorrow regarding this as no supervisor 's were available at the time I called.