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

In XXXX of XXXX  I reached out to the CFPB for help with my credit card company Capital One. I explained that I have excellent credit, and in nearly 4 years they have not increased my credit limit once. I explained that after a good faith letter they would not remove 1 missed payment over 2 years old. A point worth mentioning, the one and only missed payment, in 4 years of credit history, and 16 revolving credit accounts. They sent a letter in response that the reason for the increase refusal was due to lack of using the credit card. They shut down my Kohls credit card, ( their sister credit card ) that was well established, knowing full well that would damage my credit score, with no notice! Today I am reaching out again because I recently used the credit card. For relatively small purchases totaling not more than {$300.00} Capital One has now restricted my card, which I can not use. Capital One has embarrassed me, when out dining by declining my card! I spoke with a representative that made XXXX cents, and difficult to even understand. I have told the CFPB previously that Capital One is discriminating against me for some reason. They deny me a credit increase for years, they refuse to remove the missed payment, they give a bogus reason for the increse denial, they shut down another card with no notice, and then when I do use the card they humiliate me with a decline. I know that I am not alone in their unscrupulous cherry picking of their clients. Please do something about the treatment I am receiving. I know these are violations under the Fair Credit Opportunity Act, please act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX  Account NumberXXXX  Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX 2024 I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX I hereby request to XXXX XXXX XXXX department they refuse to takes Down illegally operation with my personal information still on Websites an on my background check my name is not XXXX XXXX XXXX or XXXX XXXX XXXX wish they stop using fraud documents tampering records proving false information to the public to stop me from operation my place of business slander an violation my consumer rights protection act I'm being harrissing by XXXX XXXX XXXX department an by people treating call type name using my personal information on the XXXX XXXX Alabama XXXXXXXX XXXX XXXX list my birth date is not XXXX they have incorrect information on XXXX XXXX XXXX department website were they published this in news paper another jurisdiction using this personal information they need to take this down not me identity thefts if they can't provide verification information cyber security data breaches cyber security personnel use on dark web were my personal information being sold using my personal information to apply for XXXX XXXX XXXX never have light this started to effect my life bad I'm tired this being on my background an on Web site on XXXX platform using this same information XXXX need to take off the platform
Product: Credit reporting or other personal consumer reports

I have called and mailed in numerous of disputes to credit reporting company. I never received any updates, nor was accounts deleted from my report.
Product: Money transfer, virtual currency, or money service

I was a victim of wire fraud and lost {$84000.00} from three wire transfers that I sent through a local Chase bank on XX/XX/XXXX. The individual helping me process this did not push back and was actually trying to sell me on a mortgage and investing my money through Chase. Once i realized it was fraud, the wire research team at Chase was not actually working due to covid. They did not get in touch with me and a case was put in through a secure message. While they wrote back on the secure message app for a month, they have not been responsive on providing an update or even relaying information accurately from the bank they were trying to recall money from for the last month. I am at a loss and I don't understand why i can't get a single person at Chase to help me look into this and even properly carry out my wishes and relay information as it relates to a wire recall.
Product: Debt collection

In XXXX XXXX of 2015 I received a postcard from Amsher Collection stating I owed Century Link {$290.00}. There was no other information given. I requested by mail a validation of this debt from Amsher. I have not received a validation. I received my credit report on XX/XX/2015. XXXX has placed a negative entry on my credit report. The entry states the date when placed on the report XX/XX/2015 and a balance of. {$290.00}. I do not owe XXXX XXXX any money. I do not know any dates associated with this account as none were given just that I owed it which I dont.
Product: Checking or savings account

the account closed XX/XX/XXXX XXXX XXXX, and I have constantly called and emailed Chime about my closer check from my Chime XXXX account and they have given me the run around and multiple lies and just reading from a script. From XX/XX/XXXX until XX/XX/XXXX there has been over 20 emails back and forth and nobody at that bank can seem to understand the issue
Product: Credit reporting or other personal consumer reports

Credit Bureau reporting debt that the XXXX XXXX  XXXX of XXXX Shows in a XXXX XXXX search that I don't owe.
Product: Payday loan, title loan, or personal loan

Hello, My name is XXXX XXXX, I am who I say I am and no third party is involved in submitting this complaint. On XX/XX/XXXX I entered into a consumer credit transaction with Apple Card. Goldman Sachs Bank USA XXXX Apple Card as a means to use my right to extend credit for personal and household purposes. To my knowledge, I understand that Credit is a right pursuant to 15USCXXXX  ( f ) and I exercised this right in good faith when I completed the credit application. The denial letter I received from Apple Card. Goldman Sachs Bank USA XXXX Apple Card constitutes discrimination under 15 usc XXXX ( a ) ( XXXX ) and Apple Card. Goldman Sachs Bank USA XXXX Apple Card also willfully and knowingly provided me false, deceptive and inaccurate information when they responded to me with adverse action in an extension of my own credit as a consumer. By willfully and knowingly failing to comply Apple Card. Goldman Sachs Bank USA XXXX Apple Card can now be held criminally liable pursuant to 15USCXXXX and can be fined up to {$5000.00} or imprisoned not more than one year or both. In any consumer credit transaction in which I extend my own credit I am backed by the Full Faith and Credit of the US Government. 

15 U.S. Code XXXX- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX
Product: Mortgage

US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated XX/XX/XXXX regarding loan application # XXXX that claims THEY were denying my loan application based on an old tax lien ( based on a XX/XX/XXXX tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in XX/XX/XXXX of this year due to their bad faith and inability to process a simple loan request ( {$110000.00} ). They ultimately refunded my loan origination fee, the appraisal fee and refunded XXXX of additional money I agreed to pay the seller because US Bank failed to perform in a manner that did not risk the agreement I entered into with the seller to purchase a condominium. The decision to compensate me for their failure does not sound like they were denying me credit based on the shaky grounds they now claim. This recent letter is an attempt to change the truth about the history of the transaction and an attempt to make me ( the consumer ) the party at fault for the inability of US Bank to perform at a modicum of efficiency and in good faith with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems reported to XXXX XXXX XXXX and Loan that I owed XXXX  XXXX XXXXXXXX XXXX XXXX {$10.00}. The account of XXXX was my granddaughter 's XXXX account when she was a minor and I was on that account, but she closed that account after she was XXXX XXXX XXXX. 
The address on the report is incorrect. I have been at my current address since XXXX. 
I sent to ChexSystems for my credit report. 
My Consumer ID is XXXX dated XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX cell phone Please Correct the address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to XXXX XXXX XXXX, XXXX, CA XXXX, take the reported {$10.00} off my report and Send me a copy of the corrected report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, XXXX and Transunion several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, Transunion and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, XXXX, Transunion and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I logged onto my bank of America app and saw that a large sum of money was gradually taken out of my checking account. 
The transactions said cash app. I have been locked out of my cash app account since XX/XX/XXXX. I then called Bank of America to file a fraud claim on XX/XX/XXXX at XXXX. On XX/XX/XXXX I received a message in my Bank of America app that my claim has been resolved, denied and closed. This is unfair and they wont give me any of my money back. I called the fraud department back today and they reopened my claim but they said they have 90 days to resolve my claim and I wont be given any provisional credit. That is ridiculous I shouldve already been given a provisional credit but now I have to wait 90 days for this issue to be resolved. I have included all the cash app transactions with dates that I did not make below XX/XX/XXXX {$62.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$66.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$60.00}
Product: Student loan

On XX/XX/2024, I made a payment to Mohela for my student loans. I paid the required {$230.00} and received confirmation on XX/XX/2024. They pulled the {$230.00} out of my bank account on XX/XX/2024. The money has not been applied to my account on Mohela for some reason, even though I no longer have the money in my bank account. I called Mohela on XX/XX/2024 to see what the issue was. They said that they were able to see that there was payment made, however, it was not applied to my account and they were unsure why. They said this payment wasn't showing up as a pending payment and that they weren't sure what was going on. They said they were going to review my account, however, I have not heard anything back from them yet about what is going on. This is an issue I would like to have addressed to avoid any negative consequences that could come. Mohela and the US Department of Education are already emailing me saying I am delinquent, however I am certainly not because the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX continue to report me as being late 18 times when I've submitted several times that this account with XXXX was in a hardship forbearance Hardship forbearance or deferred payment make me not liable for making payments during that time. 

During the time of the 18 months my account was in forbearance and not only is the actual late payments wrong but the amount of late payments are wrong - I only make payment once a month - So why do I have three XXXX loans on my credit report and each of them have 6 late payments My credit currently has 18 late payments from one account that I make on monthly payment on per month In addition to this, I was placed in forbearance by XXXX for the duration of those late payments and have submitted over and over again - This issues has not only caused me distress but caused issues with the ability to acquire things financially I've been addressing this issue for years now
Product: Debt collection

The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). 

The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.
Product: Vehicle loan or lease

BridgeCrest Loan company, repossessed my vehicle ( XXXX XXXX ) on XX/XX/2022 without judicial order. I called BridgeCrest on Monday, XX/XX/2022, requesting the location of my vehicle and informing them that I did not receive a court order in regards to the repossession. I informed the representative that in order to repossess my vehicle a court order must be file, and I would have to receive this notice regarding the repossession. The representative to me that a judicial order was file, but she refuse to disclose when the court order was filed and to which court circuit. BridgeCrest, is in direct violation of USC 15 1692f ( 6 ), which states, provides liability for unfair practices including [ t ] aking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Mortgage

Wells Fargo  refuses to close my escrow account on my mortgage. I bought a home in DC in   XXXX   XXXX    Originally, I did not want a escrow account but was told by my original lender that taking out the escrow account would be complicated during the middle of the closing process for our home. After we closed on our home, our mortgage was soon transferred to  Wells Fargo.      I asked  Wells Fargo  to close my escrow account for both taxes and insurance. They first told me they could not because  Wells Fargo  has a policy that only escrow accounts at least  1 year old  can be closed out. I asked for a copy of the signed agreement that requires me to wait 1 year before closing the escrow account. They continue to fail to provide me a signed agreement showing me I am legally bound to wait 1 year.     They closed the tax portion of my escrow account after I contacted them a few more times. I asked them to close the insurance portion of my escrow account. They then again cited their  one  year requirement and refused to close the insurance portion of my escrow account. I asked again for a copy of a signed agreement. They again could not provide a copy.
Product: Credit card

I opened a Chase Freedom card about 2 years ago and transferred balances from another credit card. Although I realized that the interest would increase after the 24 month period I had *no idea* that it would *triple* my credit card payment ( from {$40.00} to {$110.00}, instead of the maximum of {$80.00} ) - Along with an 29 % interest charge they've slapped what looks like an additional 50 % balance transfer interest ; i.e. over a debt of about {$3300.00}, {$28.00} goes to service the interest charge, while {$53.00} services the balance transfer charge, which means that I will probably NEVER EVER EVER be able to pay it down. A total of {$75.00} a month interest! 

I called Chase about this on several occasions, tried to negotiate a payment plan but what they came up with wasn't much better - something like {$77.00} a month over a 5 or 6 year period. 

This is the equivalent of what used to be an XXXX  type mortgage... you pay a low fee initially and then it triples. Chase got sued over that during the mortgage crisis of XXXX and here they are doing it again with credit cards!! When I got the credit card I knew that I would have to pay interest over time but had NO IDEA that it would be anything like this. 

Like many people, I am careful with money but not infallible. Chase takes advantage of this - had I been told specifically that this would happen after 24 months I would have NEVER EVER agreed to the card. Chase refuses to budge or listen to me and and now I am stuck.