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

On XXXX XXXX I received a letter from Capital One through CFPB Complaints Portal in which Capital One Customer Advocacy Office stated that I am not eligible for a credit increase.

It has been over two years since I have been applying for a credit increase and we now on XX/XX/XXXX and still no credit increase. 
Have utilize XXXX and I am always decline because of XX/XX/XXXX.

My XX/XX/XXXXis around {$57000.00} and my income never reduces as a Lifetime income with 3 % COLA increase every year on XX/XX/XXXX and is XX/XX/XXXX. 
Capital One has a copy of my award letter of XX/XX/XXXX income that was settle in State and Federal Court in California in XXXX alongside with my XX/XX/XXXX. 
{$750.00} credit limit is not enough to make purchases in California as California Cost of Living is very expensive. 
Also I am going through a VA Loan process on home purchase in Texas and I respectfully requesting for my credit limit increase as my credit usage on my Capital One Master Card ending # XXXX is over 30 % if I get a higher credit limit over {$750.00} my VA Loan for a home purchase with be Approved. 

I am respectfully requesting that Capital One will approve and increase my credit limit over {$750.00} and accomondate me on my XXXX XXXX Civil Rights Act under Department of Justice. 
I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX XXXX.
Product: Debt collection

I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.
Product: Credit card or prepaid card

I spoke with 5 Citi representatives today over about 4.5 hours. Based on my statements from XXXX and XXXX, their payment allocation did not follow the hierarchy rule required by the Credit Card Act. I have attached the transcripts from the final 3 conversations, as I didn't think this would be such a significant issue when I had my initial chat and then placed the call to account specialists as I was instructed to do. 

I paid in excess of my minimum payment in XXXX ( {$130.00} ), XXXX ( {$110.00} ), and XXXX ( {$120.00} ). Anything above that payment should have applied to the higher ( 29.99 % ) APR balance. Some applied to it, but more than should have was paid to the lower ( 22.99 % ) balance. 

For instance, in my XXXX statement, the payment to the high APR balance was about {$430.00}, accounting for the amount of the preexisting balance and the new charges billed. In contrast, my lower APR balance received a {$400.00} payment, which is {$280.00} in excess of my minimum payment. With a balance subject to the 29.99 % interest rate of {$490.00} at the end of XXXX, there was ample balance towards which the excess payment could be paid regardless of when new purchases were actually billed in XXXX.
Product: Debt collection

I received a notice that i owed money from a XXXX XXXX account which was opened in XX/XX/2023, from Amsher Collections services I do not, nor have I ever had a XXXX XXXX account First I learned of this was a collections on my credit report. The Amsher Collections agency on my report indicated a residential address I have no connection to it is all fraudulent. I contacted the collections company and they prompted me for payment. A live representative is not available to discuss. Only able to leave a message and nobody returns calls. Amsher Collections is a scam from my experience This is all fraudulent from the beginning to the end.
Product: Mortgage

I received a certified letter dated XXXX/XXXX/XXXX asking us to {$3200.00} by XXXX/XXXX/XXXX. I phoned Ditech because the amount showing du online was a different amount. When I phoned in spoke with a representative named XXXX that informed me to disregard the letter and pay the amount showing due on line for I believe {$2200.00}. I paid the amount due on line. and discarded the letter as advised. He states that by paying this amount would catch my loan up and everything would be fine. I then received a letter dated XXXX/XXXX/XXXX stating that I did not pay the full {$32000.00} by the due date and necessary action would be taken. I received this letter on Saturday Saturday XXXX XXXX. First thing Monday morning I phone ditech to inform them that I received this letter and am not sure because I paid the amount advised by ditech. The representative that I spoke with fist was XXXX XXXX Collector Id XXXX. I read the letter to her that I received on XXXX XXXX, XXXX and she states to disregard that letter. My account is fine and is not going to be forclosed upon. I wanted to make sure so I phone back a second time an read the letter to another Ditech representative and she stated the same. to please disregard that letter. It was automatically geterated from their system and that I should discard it. My loan is fine and is not going into forclosure. I am writing the complaint mainly to document the events that happended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX  partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

We have an XXXX Account on our Mortgage. We pay Principal, Interest, Escrow, Taxes, Insurance and Shortage each month on time. The company Flagstar Bank, a subservicer of XXXX recently sent a letter indicating that they plan to buy hazard insurance that may cost more than we currently pay. Insurance costs currently paid to Flagstar Bank has not expired and we should not be threatened with increased charges for insurance that is paid into an Escrow Account collected on time each month in full. The bill for the Mortgage Payment next month arrived on the same day as the letter indicating that insurance charges may be increased. I request an investigation of the practices of XXXX subserviced by Flagstar Bank related to overcharging for XXXX 's insurance. Given that funds are paid into the Escrow account each month to Flagstar for payment of insurance, Taxes and Shortage no Homeowner 's Insurance should have expired. No threat of increased cost should be sent to Homeowner 's who pay all funds due in full and on time each month. We have owned the property since XXXX. Never have we experienced a threat of increase fees for payments that were made in full and on time.
Product: Money transfer, virtual currency, or money service

I think I had countless unrecognized charges on my Zelle hackers from cashapp have gotten countless money off me over time. XXXX XXXX Zelle has been allowing their consumers to suffer at the hands of hackers for quite some time now. 

We only get one dispute a month or else theyd raise suspicion on me! I will put proof that I have Zelle.
Product: Credit card

My payment due dates for the credit card is on XXXX of the each month. 
For XXXX XXXX XXXX was sent on time and the credit card company received it a day after on the XXXX of XXXX, but I was charged {$41.00} late fee. I told the company due to the labor day on XX/XX/XXXX, they received the payment probably XXXX day late. 
The credit card company did not accept that and wouldn't waive the late fee. My entire balance was {$8.00} dollars and they charged me {$41.00} late fee plus interest rate. 

For XX/XX/year> - The payment was scheduled with XXXX online bill pay right on time, apparently XXXX stopped and cancel all my payments on my account due to the fraud activity on my account and closed my checking account immediately. The credit card company did not send me a notice or email to inform me. I had no control over that. {$41.00} dollars late fee was charged on my account for the balance of {$8.00} again. 

For XX/XX/XXXX - XXXX sent the payment even earlier on XX/XX/year> and again I was charged late fees for {$41.00} dollars. 
Elan Financial Services is my credit card company.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  XXXX reported to all XXXX credit bureaus that I have more than 30 days late payments on both accounts, I have proof of payments between XXXX and XXXX, so this is inaccurate and misleading information and has affected my credit score by more than XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.
Product: Student loan

I have sent multiple messages asking why my payments keep getting " reversed '' and all I get is silence. 
I have another loan that I pay with Ed Financial using the same bank information and I have no issues there, but for my primary account, it keeps reversing my payments. I had the autopay set up months before payments officially began again but only this account gets the payments reversed. So far it's been 4 months and they haven't reached out to me in any way other than automated messaged I've missed my payments. 

I have PDFs and everything but unsure to include them here given the " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account '' I have more than enough money to make my payments but Ed Financial is just extremely untrustworthy in my eyes. I've known other people who've had the same problem. 

Thanks for reading, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for XXXX XXXX Consumer Credit Card on XX/XX/XXXX. Instead of my application being submitted to XXXX for review, it was submitted in error to XXXX XXXX XXXX without my consent. Attempted to resolve this issue with an Experian representative on XX/XX/XXXX @ XXXX XXXX CST. Was informed by agent that he would not be able to resolve my complain or issue. Was rudely hung up on, while I requested his name and ID number.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  AND XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting

I want to get a perfect credit score so I want to know the credit bureaus ' formulas. I have a lower credit score because they wo n't tell me what the formula is.
Product: Credit reporting or other personal consumer reports

IN ACCURATE INFO REPORTED ON MY CONSUMER REPORT
Product: Debt collection

I have been trying to get this company to validate the debt they said i owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX report account # XXXX to Experience credit bureau as foreclosed, despite the fact that it has been never happen. The property was sold in the regular course of business, as proof to it attached 1 ) Condominium unit deed, executed by me ; 2 ) Discharge of mortgage ; 3 ) letter from XXXX XXXX XXXX XXXX XXXX, stating that account has been paid in full. I communicate with XXXX XXXX XXXX, XXXX,  requesting to clarified error and send me a letter of correction. Despite assurance to do so they neglected. I send them a letter to request set for information, however no response was follow.
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, 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.

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 or other personal consumer reports

XX/XX/2023 I requested the current name of my employer to be updated to " XXXX XXXX XXXX  XXXX ''. 
All three credit agencies ignored my request.
Product: Checking or savings account

My account with chime was hacked and transactions were unauthorized, I told chime the situation at hand how the hackers activated a credit builder in my account, linked my debit card to a cash app and transferred funds, chime gave me back XXXX dollars but have denied my dispute clams even tho I gave them police reports and other documents, the other companies said that chime had to reverse the payments I spoke with a supervisor in the despuite department named XXXX she said she was going to fix the situation I was to receive provisionary credits in which I never received they have been lieing to me and telling me I was going to get funds no to months later and still being denied
Product: Debt collection

I called Santander trying to get my late morning payment off my account since I payed it already and havent heard nothing back at all
Product: Mortgage

This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). 

They service my primary residence mortgage. 

As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. 

Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. 
Despite their promises, I keep getting hit with collections calls, default letters and emails. 
The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. 

I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each  account is unverified.
Product: Checking or savings account

Someone hacked my account, got my information and forged my signature and deposited almost 20K worth of fraud checks into my account in a matter of 2 weeks and then used quick pay to send the money to themselves. I didn't authorize any of this. Chase failed to notify me of any of this. I had almost 1k  in my account and within the 2 weeks it was negative XXXX. I filed a police report and a claim with chase. Chase is saying i authorized these transfers and are telling me i have to pay the XXXX.
Product: Credit card or prepaid card

u always apply and they always denied me i never apply o had a capital one credit card o even a credit card that i have to give down payment a secured card and thats not fair
Product: Credit card or prepaid card

I applied and was denied credit from Amazon XX/XX/2020 ( violations of 15 USC 1611 and 15 USC 1691 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the inquiries listed below are fraudulent and reporting illegally on my Equifax credit report and also Ive included a identity theft report. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

While traveling in XXXX, I intended to make a purchase from a local merchant. During the transaction, I noticed the merchant charged me for items I specifically refused to purchase. Indeed, I denied him several times until he stopped trying to sell them to me, saying " Okay, okay. Just the {$270.00} '' ( for XXXX shirts I was buying ). I caught him trying to pull this " fast one, '' charging me {$310.00}, by stating the sale was for the {$270.00} charging the increased amount and hoping I would not notice. I cancelled the sale, did not sign and reported the incident to Chase. I noted this was fraud and it might continue so I also requested a hold put on my credit card. Two weeks later when I returned to the US, I found Chase processed this charge I reported as a fraud and I was now financially responsible. 
I called to report it again and inquire why I was charged. I was given a lot of vague excuses and told they could not do anything about the charge. It would stand on my account and I would continue to be responsible - after twice informing them it was fraudulent. I was asked to call back a third time, during EST day-time hours! 
When I returned the call to a supervisor, they again refused to remove it, saying I should dispute the charge, one that should never have been placed and one I asked to prosecute as fraud as the merchant was clearly deceptive and criminal in his actions and should be reviewed thoroughly before being allowed to process cards freely, something I would gamble he has abused often to the cost of other Chase/Visa customers. 
I spoke with a supervisor who also advised me the charge would stay on my account and then defended the merchant without even knowing them, condoning their frauds and confirming their ability to further defraud other Americans or other foreigners in the future. 
As of today, I have called them three times, including the first notice of fraud. The charge is still on my account and the merchant still has carte blanche to abuse the next non-suspecting American to be abused in XXXX while Chase deliberately ignores these frauds, even supporting them according to the accounts supervisor I last spoke with at Chase. 
Relevant info : Merchant : XXXX XXXX, XXXX, XXXX, charge on XXXX ; {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Chase CC # XXXX