23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened my Target Credit Card in or around XX/XX/, when I was given an initial credit limit of {$300.00}. Since then, I have requested a credit limit increase multiple times, always calling in and speaking to a customer service representative because there is no way to request a credit limit increase online or through any other channels. Each time I call, the representatives all say exactly the same thing : accounts are reviewed monthly for credit limit increases, and I must update my household income in my Target Credit Card profile. By updating my income, my account will be reviewed monthly for a credit limit increase. First of all, it is deceptive and unfair to tell me that I need to update the income in my profile to be considered for a credit limit increase ; how many times in a year would my income -- or any customer 's -- income change on a monthly basis? This is an unreasonable and unfair expectation to require cardholders to update their income every month if absolutely nothing changes with their income. Second, my account has been opened for nearly two years, and I was using my Target Credit Card quite a lot for the first year to yearn and a half, responsibly either paying off the balance in full each month, or making more than the required minimum payment, but always making my payments on-time and with no issues concerning my payments being returned. In nearly two years, not once have I received a credit limit increase, despite my updating my income as required and always making on-time payments that have cleared my bank without issues. Because Target Card Services/TD Bank has no actual policy on credit line increases ; there is no way to request a credit limit increase online, over the phone or by mail or email ; because my purchases are often well over the {$300.00} credit limit I have on this card ; and because I have several other credit cards that not only give me far more cardmember benefits and rewards ; because I have never once received a limit increase in nearly two years with this account ; and because there is no value-add or incentive for me to use my Target Card based on all these reasons, I discontinued using my Target Card. As a result, I received the attached letter, dated XXXX XXXX XXXX, which states that my account will be closed because my account has been inactive for an extended period of time. I ceased using my Target Card when they, themselves, are refusing to raise my credit limit -- and I get far superior benefits from my other credit cards, whose credit limits are approaching {$30000.00} each. It's unfair, deceptive and abusive for Target Card Services/TD Bank to tell me to " keep my income updated, '' and then I do so, I used the card frequently and paid my balances responsibly and on-time, and in two years I have not once had my limit increased beyond the original {$300.00}. I assert that Target Card Services/TD Bank does not actually have a credit limit increase system in place, and that their requirements to receive one are deceptive, unfair and abusive.
Product: Debt collection

I received notice by mail for XXXX XXXX bills from XXXX or XXXX. The accounts were put with a consumer credit company in XXXX or XXXX. I have heard nothing regarding these since I signed with XXXX  XXXX or XXXX  years ago. The company reaching out is Credit Control LLC - the XXXX companies they are reaching out about are : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Madam/Sir : Please be advised that I strenuously disagree with AMEX 's egregious, discrimatory and XXXX decision to cancel ALL of my AMERICAN EXPRESS Card, including MY CORPORATE CARD, without the benefit of a fair and impartial adjudication of the present and historical facts. I especially take objection to your characterization of me contained in your letter, which is at best erroneous but us in fact discrimiatory. 

Specifically, I have been loyal American Express Cardholder from more than 20 years. I have dutifully paid my bills ON TIME and have been a consistent and regular user of both my personal and CORPORATE cards. Further, I am a well-respected financial professional with more than 36 years in the financial institutions space. To have AMEX unceremoniously cancel my Hilton, Surpass Card AND Corporate Card based on a biased representation of the facts has jeopardized the well-being of not only myself, but of that of my employees. 

With all of us dealing with the COVID pandemic, these actions are unconscionable and disgraceful. These are especially pronounced since AMEX have not been made privy to the disrespectful treatment I have received from your Customer Service representatives in the past ( which has persisted until the present day ). I have attached a link to some of the comments on the behavior of their customer service representatives. 
https : //www.corporate-office-headquarters.com/american-express-company Accordingly, I am formally requesting that AMEX reconsider their short-sighted decision and reinstate both my Corporate ( Account ending in XXXX ) and Hilton Surpass Card ( account ending in XXXX ) in due course. 
. 
I look forward to your prompt and courteous reply and a satisfactory conclusion to this episode. But I really need your help!
Product: Credit card

I placed an order on XXXX, XXXX XXXX  for XXXX mirrors. My total was {$690.00}. I placed the order and received an email stating it would be delivered between XX/XX/XXXX - XX/XX/XXXX. I contacted the company on XX/XX/XXXX stating my packages had not arrived and I did not receive a tracking/shipping number. The representative said, It'll get there when it gets there. I waited XXXX more week. Still no package. I emailed again. I said would like a shipping number for my packages. No response. I waited XXXX more week and emailed again to Cancel my order. The rep said, OK your order is canceled. I waited a week no refund has been posted. I emailed they said, Your packages have been delivered. I canceled this order. I look outside there are no packages from XXXX XXXX XXXX. I live on a dead end with XXXX Neighbors. I text each XXXX and ask if a package has been delivered to them with my name on it. They all respond no packages at their places. It is now XX/XX/XXXX no refund and no packages. I have filed a XXXX  complaint, messaged them on social media, emailed them, called them, and commented on their social media posts with no response. 


After no response from the Company I purchased from, I submitted a dispute with DISCOVER CREDIT CARD. They will not help either. I have called and submitted piles of information and evidence to support my case. They did not side with me even though thousands of others get scammed by this company. I would like a response soon.
Product: Student loan

So, during college we were always fed this dream that we would make enough to make affordable payments plus our living expense 's. I really tried hard at school and graduated although I had a XXXX. I 'm happy to say that I also work for the XXXX but it happened by a freak accident through a other company I was working for was bought by the XXXX. So, the first payment I maid in XX/XX/XXXX or XX/XX/XXXX was because of my taxes XXXX. As we got further into my job I noticed thing were not what they seemed due to payment I could not afford it at all. We are talking XXXX to the XXXX range including my rent, car, utilities and necessities had a XXXX and his sick father that I was taking care of do to XXXX and still do it. I 'm basically homeless living with my parent do to debt and my son fathers illness making XXXX an hour going on 4 years and started at XXXX an hour you do the math. Trying to stay together. I 've been putting holds on my account now since I knew there was no way of paying at this rate. I thought the XXXX was supposed to take me places ... not this way can not make it. They will not make lower payments at all I have tried. Help
Product: Mortgage

I went on COVID relief plan, and have been trying to get off the plan for over 1 year. Every time I send them all the paperwork they request and I call for a decision they kept on asking for the same paperwork over and over again. They requested that I don't make payments and then they say the application has expired... Went through this process multiple times.. Now they say I need to send them nearly {$200000.00}. Which of course I don't have. There is way so much more to this story PLEASE help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting bankruptcy on my credit file. Both Experian and XXXX  as of recently investigated based on their records for their investigation and sent out the request to the data furnisher, but the data furnisher didnt respond within the certain time period. Both Experian and XXXX  proceeded to send out a letter stating Bankruptcy verified or updated letter.
Product: Debt collection

it was in XXXX XXXX I saw on my credit report that I have a collection. I call the company to provide my the debt validation letter since then they do not provide any information. And at the start of this tax season I called them to have my 1099-C but they can not also provide that to me and they're bounced me around between the original creditor and the collection agency and none of them can not provide any information according that. Therefore I need that collection remove from my report.
Product: Student loan

My student loan was in deferment. I applied for a forbearance which was applied to my account effective in XX/XX/XXXX. My payment status shows on time payments/in good standing up until XX/XX/XXXX when it jumps to a 90 day delinquency, which of course is derogatory. Despite the fact that the effective date of the forbearance precedes the 90 day delinquency and the payment statuses do not correspond ( no 30 day or 60 day late ), fedloan claims it is a valid delinquent payment.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are all reporting transaction history on my consumer file. 15 USC 6801 and also there are numerous of inquiries that I didn't authorize on my consumer file. I want them all deleted.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding collections, incorrect name, closed accounts and incorrect addresses that have been reported inaccurately on my credit report. I believe that the collection agency responsible for these entries has violated consumer laws and regulations, including those outlined in the Consumer Financial Protection Bureau ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ).

Violations of Consumer Laws and Regulations : 1. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before reporting the collections on my consumer report. 
2. I have not been given an opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 40 ) ( i ), which grants consumers the right to dispute inaccuracies.

3. The collection agency 's actions amount to false, misleading, and deceptive practices, violating consumer rights as per the laws and regulations governing fair debt collection practices.
4. The collection agency has furnished accounts to consumer reporting agencies without providing the

necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Requested Actions : 1. Remove the collections and closed accounts listed above from my credit report immediately. 2. Cease all communications with me via text, calls, and emails, as I am revoking any prior consent for such communications. 3. Provide validation of the debts, including the purchase agreement between the collection agency and the creditors.

4. Furnish proof of the collection agency 's licensing and bonding status.

I expect a thorough investigation into these matters and a written response within 30 days, as per regulatory requirements. 

Additionally, I request that this complaint and dispute be forwarded to the respective credit bureaus for their review and corrective action. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of these inaccuracies from my credit report. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.
Product: Mortgage

BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.
Product: Prepaid card

I filed a dispute with Money Network on XX/XX/year>. {$930.00} was transferred out of my account to an account that I do not own. 

My dispute was denied because my funds were supposedly transferred into an account under my name. 

I told them that I pulled my credit report and I didnt have any other accounts under my name and social security number, so how would they deny it? Of course they did not have an answer. 

After doing some research, I found that there are hundreds of people reporting the same exact experiences online - their money is stolen, they file a dispute, the dispute is denied because it went to an account under their name, they appeal it, and the appeal is denied for lack of information. 

How is it that there are so many people experiencing the same situations with this company?
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian, a consumer reporting agency, for serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On XX/XX/2024, I received a copy of my credit report from Experian. I reviewed the credit report and was astonished to find that Experian had reinserted a fraudulent account from XXXX XXXX XXXX XXXX after it had been deleted. This reinsertion of the fraudulent account is a clear violation of federal law. 

Under 15 U.S.C. 1681c-2, Experian is prohibited from reporting accounts that result from identity theft on my consumer report. I previously filed a police report, and I also provided Experian with a copy of the Identity Theft Report issued by the Federal Trade Commission ( FTC ). 

The willful noncompliance of Experian with FCRA guidelines is evident. 15 U.S.C. 1681 ( c ) ( 2 ) clearly states that Experian shall not report accounts that result from identity theft by a person who has furnished appropriate proof of such theft to the consumer reporting agency. 

Experian 's actions are not only unlawful but also damaging to my financial well-being. The fraudulent account negatively impacts my credit score and financial opportunities. 

I hereby request that Experian immediately delete the fraudulent XXXX XXXX XXXX XXXX account from my consumer report. Furthermore, I demand appropriate and timely compensation for the damages caused by Experian 's willful noncompliance with FCRA guidelines. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Copy of Utility Bill showing proof of address
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

My brother and I are listed XXXX on an account that belonged to my father. After my father died, we attempted to withdraw the funds in 50 % shares, as per the terms of the account. My brother and I do not live near each other, so Citi said we could each go into a local branch, and withdraw 50 %. I went in on XX/XX/year>, and was able to withdraw {$5700.00} ; half of the {$11000.00} balance. My brother attempted to withdraw the remaining {$5700.00} on XX/XX/year>, but Citi only allowed him to withdraw {$2800.00}, leaving an additional {$2800.00} in the account. The only reason I was able to catch this error is because my dad 's online account is still active with Citi, and I was a POA on his account prior to his death. They also did a similar thing with a CD account my father had, allowing my brother to withdraw {$2500.00} of the {$5100.00} in the account. 

It's extremely disconcerting that Citi would act so carelessly with customers/beneficiaries money. What's more disconcerting is that I would have never realized this if I didn't happen to have access to my father 's online account.
Product: Credit card

Home depo credit card, citi bank reported my account late to my credit report. I have my a payments set up on auto pay through my bank account, I had no knowledge that they had not received a payment until today. Today XXXX was the first call made to me by citi bank to advice account was past due. I immediately set up payment as I do not want my account in bad standing, nor would I have every allowed it to be late had I of known earlier this account was not being automatically paid. Citi bank XXXX home depo credit ) advised and confirmed that they had NOT reached out prior to today to get ahold of me to advise they did not received payment and now is 90 days late. You always received a call by any creditor to advise of this type of status before being reported to your credit so you can resolve it. I again, was NEVER advised until today after it was already report and that was confirmed by them. I also immediately paid once I got call, I believe that any type of negative reporting on my credit from Home depo/Citi bank is not accurate and was done wrongly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I " I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXXXXXX Balance XXXX {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home for $ XXXX in XX/XX/2020 using Wells Fargo for the mortgage. The loan currently has a principal balance of $ XXXX. The home is currently worth $ XXXX according to their automated valuation model ( AVM ). My current XXXX ratio is 68 %. 

I called to have XXXX removed. Wells Fargo refused based on the current information. Wells Fargo is using the XXXX value calculation to exclude people from having XXXX removed, but not allowing people to use that same valuation to prove a lowered XXXX for removing XXXX. A " heads I win, tails you lose '' situation. 

The options given to me were to write a {$450.00} check for Wells Fargo 's valuation, or a much larger check for the rest of the principal. 

I offered to pay for a third party XXXX and send it in to prove the home 's value, even though Wells Fargo already has the XXXX number. They to refuse to honor any XXXX I order, and reiterated I can either write them a check for {$450.00}, or a check for the rest of the necessary principal. {$450.00} is a gross overcharge they're leveraging because they claim I can't use any other option.
Product: Debt collection

We do not have contract with this debt collection company and never received a purchase agreement, the chain of title proving they own the debt nor a forward flow agreement. We requested the forward flow agreement because now another company is trying to collect on the same debt who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX  and XXXX..this account has obviously been reaged another violation