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

In the summer of XXXX Amazon charged my credit card multiple times without my permission. At the time I had an Amazon account but I was not using it and I did not give Amazon authorization to charge my Chase Credit card. I made multiple attempts to correct the issue with Amazon but to no avail. I started reaching out to Chase about this issue in XX/XX/XXXX to dispute multiple Amazon unauthorized charges. I never heard anything back on the disputes. I reached back out to Chase in XX/XX/XXXX and XX/XX/XXXX multiple times and I was never able to get any clear resolution or understanding of what was going on with the dispute. I reached out again in XX/XX/XXXX and XX/XX/XXXX and still I was unable to get a clear resolution as to what was going on with the dispute. In XX/XX/XXXX I was unable to reach anyone at Chase, the lines were busy and the hold times were long and they kept disconnecting me after having me wait on hold for almost two hours. In XX/XX/XXXX I followed up with a Chase Branch to ask for help with the matter and I completed a complaint form over the phone that was suppose to be forwarded to the Executive Office. I heard back from someone in XX/XX/XXXX who identified themself as someone who received my complaint and they worked in the Exec Office. They provided their name, XXXX and contact number ( XXXX XXXX ) and told me they would work on the complaint and get back with me as soon as possible. ( Their work hours was XXXX XXXX XXXX XXXX ) However I never heard back from them and the extension number they provided me does not work. After not hearing back I started reaching out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all to no avail. I am looking for someone to get back to me to ultimately resolve this issue and remove these long overdue unauthorized charges from my account.
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove XXXX unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature
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

XXXX XXXX, dispite my dispute with supporting documentation, Transunion insist the inaccurate information they are reporting is verified accurate, this account is a rental agreement and not a loan as they are reporting, last payment was made XX/XX/XXXX and not XX/XX/XXXX, amount owed is {$1600.00} and not {$2100.00} Rental agreement is current, the amount owed are misc fees
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during COVID. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXX XXXX  was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient funds. I believe these practices are deceptive and unfair.
Product: Credit card

I have a very small company structured as a partnership that has been in business more than 30 years. We have had a credit card account with Chase since XX/XX/XXXX. XX/XX/XXXX, our interest rate was suddenly increased by 10 percentage points, to 23.15 %, a 76 % increase. 
We did n't see this increase right away. After we did see it and Chase refused to talk with my office manager/accountant, I put off calling because I knew this was going to involve considerable time, which I do n't have most of the year. It has indeed involved a lot of time -- two days so far. 
On Friday, XX/XX/XXXX, I called Chase simply to ask that the interest rate on this card be lowered to where it was before it was increased. The supervisor I talked with, XXXX, refused to lower our rate and said there was no one at Chase that I could talk with who could do this. Our only option was to write to Chase to express our displeasure. I am doing that at the same time I 'm submitting this complaint. 
According to Chase, our rate was raised because of XXXX late payments XX/XX/XXXX and XX/XX/XXXX. But as the attached scan of the relevant statements makes clear, we never should have been charged either of these XXXX late payments. 
The first was a payment we supposedly did not make on XX/XX/XXXX ( for {$520.00} ). However, we did make this payment on XX/XX/XXXX ( {$800.00} payment ). We purposefully paid early and paid enough to cover upcoming charges, including interest. 
When we got a late fee notice for this payment, we went ahead and paid the " past due '' amount of {$520.00}. This should have been seen as our XXXX payment, as notated by my office manager/accountant on the online payment receipt. At that point, our " minimum due '' payments for XX/XX/XXXX ( {$520.00} ) and XX/XX/XXXX ( {$580.00} ) added up to {$1100.00}. However, our actual payments added up to {$1300.00}, {$220.00} more than the amount due. 
Nevertheless, we were again charged a late fee on XX/XX/XXXX. In response, we made a {$1100.00} payment on XX/XX/XXXX. On XX/XX/XXXX, we made another payment for {$5000.00}. On XX/XX/XXXX, we made a payment of {$2500.00}. 
Despite having paid Chase nearly {$10000.00} during the previous five months, starting in XX/XX/XXXX, Chase raised our rate to 23.15 %. Chase also did this despite the fact that, prior to XX/XX/XXXX, we had no late payments for at least two and a half years ( as far back as we have printed statements ). 
I 'm sure Chase will say that our payment of XX/XX/XXXX could not be applied to our XX/XX/XXXX payment because we made it three days too early. As a result of that, we have had to pay more than {$3000.00} in additional interest, despite our long credit history with Chase.
Product: Debt collection

i find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most recent was XX/XX/23 but several times TransUnion is refusing to delete a complete fraudulent account even tho it was removed previously but when it went into collections it got re put on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for  quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. This item is reporting as a negative and impacting my score  monthly as it pertains to a charge off/not current with payments {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like TransUnion and XXXX to delete the unauthorized and fraudulent account on my credit report because they're causing me financial distress.
Product: Credit card

Bank of America reduced my credit limit from {$4000.00} to {$2100.00} on XXXX  The letter dated XX/XX/ states that a decrease in credit score per XXXX corroborates the credit limit decrease. 

The account has never been late nor any adverse action has been taken from the consumer or Bank of America to substantiate the decrease in credit limit. 

Furthermore, the initial credit limit was backed by the Federal government with full faith and credit. 

It is unlawful to deny the full faith and credit limit that was authorized without subrogation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a notice that a Inquiry inquiry came up on my credit report from itc .Im assuming its some type of collection system but they have it where my address is somewhere in Texas and when I disputed it with Equifax they said that it was accurate I have never ever lived in Texas so I want it off my record because that is fraud
Product: Credit card or prepaid card

I booked a hotel room with XXXX  My credit card was charged XXXX. When I arrived at the hotel the desk said that the balance wasnt paid and then again rung in my credit card for XXXX. The hotel staff said my credit card was declined. So I paid cash. Then when I checked my statement I see that I was charged 3 times. Capital one keeps sending me a link that doesnt work to submit documentation.
Product: Vehicle loan or lease

I purchased a used vehicle from XXXX XXXX in XXXX XXXX. The amount financed was XXXX. XXXX XXXX submitted the information to Ally XXXX as a used XXXX XXXX XXXX. I never applied for a XXXX XXXX. We were sold a 2022 XXXX titan XXXX, and the lending company thought they financed a used XXXX XXXX. XXXX was aware they used predatory lending practices when they did a bait and switch to secure financing through Ally. XXXX XXXX is refusing change the terms of the loan to an appropriate amount for the truck I purchased.
Product: Debt collection

This account represents a balance I have no knowledge of. I also have not authorized this company to access my personal information or use it to contact me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # 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 an 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 a purpose.
Product: Student loan

On XXXX XX/XX/year>, I reached out to XXXX to ask whether I could pay my monthly bills ahead of time without penalty. I wanted to give myself a cushion in regards to the due date. I even provided an example to ensure they would understand what I was asking. I understand that my loan accrues interest daily so I requested an urgent response on official letter head. I even asked to be escalated to a supervisor, twice. I received XXXX responses, XXXX answered my question. I will only ever communicate with this company via email because every time you talk to anyone you receive a different response. The same is true for CFPB complaints, on my latest request I received false information regarding my monthly, per loan, breakdown. I followed up via email where they later took accountability and provided another breakdown ( will attached for record keeping purposes ). Had I called they would have never admitted to their own short comings. XXXX is an absolute NIGHTMARE of a company. I am making this complaint to get a clear and complete answer to my original question, as official CFPB complaints seem to be the only way to get a clear/official response, that holds them ACCOUNTABLE. My original email was posed as follows : I would like to make another payment this month. I would like this payment, and all subsequent payments, to go towards my next due date. 

For example, if I make a full payment today, XX/XX/year>, I would like this to count as my XX/XX/year> payment. If I make the next payment on XX/XX/year> I would like this to count as my XXXX XXXX payment. 

I ask that this be accurately REFLECTED on my account as it effects the due date. This will provide a cushion for myself when it comes to payments. Please advise if this is possible or if XXXX will not support paying this far in advance, preferably on official letter head. If XXXX will not support this request please provide an explanation as to why. 

Please note this is the same process I use to pay my car note and my lender has documented it as described without incident. 

I do not want to know an interest rate breakdown. I do not want to know that I can push my payment ahead XXXX months ( XXXX of the responses they gave me ). INSTEAD I want to know if I make a payment today that it will count towards the next payment owed ( XXXX ). If I make another payment tomorrow it will could towards the payment after that ( XXXX ) and so on and so forth. The basis of my intent is to give myself a cushion should I fall on hard times and need to take a personal pause later on. This will ensure I am paid AHEAD. Please answer the questions I ask and stop making up your own questions to stall time. Please train your staff!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX my fiancee was scammed into believing he was getting a loan for {$870.00} which was put into his account and he had pulled only {$220.00} out of said laon, which into his knowledge it was a scam and within less than 5hrs Wells Fargo Bank put a hard hold on his account and would not let him take anymore funds out but would not explain anything to him. They just shut down his account which is where his SSI is deposited too. Now they are not even giving him the chance to explain the situation they just severed all relationship with him without even letting him file anything because they assume that it was his doing which I have all the evidence on my phone showing he was scammed and they were trying to do it to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}
Product: Student loan

When the Public Service Loan Forgiveness program was rolled out, I was working at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In approximately XXXX of 2007 I contacted XXXX XXXX to determine what I needed to do to take advantage of this program. I was told there was to continue to make my regular payments and then I could apply for loan forgiveness after ten years in public service. Thereafter a large part of my consideration for remaining in public service rather than leaving for a private law firm was that approximately {$60000.00} of my student loans would be forgiven after ten years. I contacted Navient last year and I am now told that I am not eligible for the PSLF because Navient is servicing my loans. I 'm told I must now consolidate my loans with another company at a much higher interest rate and start my 10 years of service over to be eligible. I have dedicated my life career to public service and I am now being told my time in public service thus far does not count because I was provided false information and my loans got transferred without my consent. If the PSLF is in place to assist and/or reward those of us who have dedicated our careers to public service, we should not be penalized despite our service because of the negligence of these loan servicing companies.
Product: Credit card or prepaid card

Ive applied for a credit increase from Capital One for my MasterCard account ending in XXXX and they will not increase my credit despite my excellent payment history or time Ive been with them which is completely unfair ... Ive called Capital One about this and they say its out of their control ... Dates I requested credit increase are as follows ; XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ... the responses given to me by Capital One are as follows ; A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.A credit limit increase on your account is not currently available upon request ...
Product: Credit card or prepaid card

JPMorgan Chase Bank sent my credit card information to XXXX XXXX XXXX who who served me with a small claims citation at my home through a private server who did not even ask for my signature or obtain any verification of the date/time I was served ( XXXX XXXX XXXX approx. XXXX ). The claim stated that I owed XXXX and that my card had a limit of XXXX. I thought it was a scam, as my card never had a limit beyond a few thousand dollars and the last time I used it was for a family vacation in XXXX and we had since paid it off and not used it again. I attempted to contact Chase to report my card as lost or stolen but the automated message said to call back during business hours XXXX XXXX XXXX XXXX ). I called XXXX XXXX XXXX  and Chase told me they could not speak to me as the debt had been turned over to XXXX XXXX XXXX. I explained I had not used the card since XXXX and believed it to have been paid off and said I wanted to report fraud, as well as the credit limit appeared to be well beyond anything I qualified for and they again refused to provide any information. I was advised to call XXXX XXXX XXXX. I called them XXXX XXXX XXXX as well, and they also refused to give me any information. They said I had to go to court. I asked them how I could present in court with no idea what these charges were or when they were incurred. They said I could request the info but that by law they had up to 30 days to respond in writing and mail their response to me. I asked how they could have up to 30 days to respond when I had only 14 days to present in court from the time I was served. They just reiterated they had 30 days. I asked if I could have an email or something in writing stating that I requested my information and they said no, they could only provide verbal confirmation. So on XXXX XX/XX/XXXX I printed out my response as a defendant stating there is a defect of parties, plaintiff, or defendant ( I am not the person who incurred the debt or who placed charges on the account ) as that seemed the best of the optional responses. I submitted this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas. I also mailed a certified letter including a copy of my plea to the attorney identifies as the plaintiffs attorney, XXXX XXXX XXXX XXXX XXXX Texas. 
I have yet to receive any information regarding what charges were made, when they were made, or why/how the credit limit was drastically raised. At no time did I receive any email or postal mail notification of any type of debt, of Chase or any collection agency attempting to collect on a debt, or any notification of my account being closed. The first correspondence I had was being served at my home and I am very upset, having no idea what this is in regards to. I appreciate any assistance in trying to resolve this matter and discover who in fact made fraudulent charges on my card.
Product: Credit card or prepaid card

I notified serve by American Express that my card was fraudulently used on XX/XX/2020 till Im supposed to have zero liability I complained and told them Ive had {$8800.00} worth of charges on my card while I was hospitalized I provided them documentation of my hospitalization a letter from my doctor stating I was hospitalized during the times were my debit card was used as well as a police report I have disputed those charges on three separate occasions only to Have my disputes denied and finally I was told today that my account was suspended indefinitely For absolutely no reason but I believe it is due to the fact that they do not want to pay out such a high dispute
Product: Mortgage

I bought my house XX/XX/2019 and was in a flood zone X another mortgage company bought my house and says Im in a flood zone AE and that I have to get flood insurance I sent them my paperwork saying Im in a X zone and they told me it was under review XX/XX/XXXX I received a letter saying I had 45 days to get insurance from the date of the letter XX/XX/XXXX I recieved another letter saying that they had put forced flood insurance on me in the amount of XXXX that is not 45 days I went and got my own coverage effective XX/XX/XXXX and my insurance company sent over all the paperwork in the mean time my mortgage company took money from my escrow and made it negative Ive sent them all the paperwork to prove they screwed up and my escrow is still negative and now there telling me that my mortgage payment is going up another XXXX dollars and I cant get any answers how is my mortgage going up XXXX dollars?? They screwed up and Im the one getting screwed???!???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Westlake Financial reporting on my credit report incorrectly. The amount due and the date opened is incorrect. They must have the account mixed up with someone else. I have requested the original documentation from them and they will not provide it to me. They have stopped returning my calls when I ask for a supervisor or they will hang up on me. I tried to tell XXXX this so they can assist me, but they wont request the original documents either. They just respond saying account updated. Please advise how to get this account information either removed or updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Product: Credit reporting

Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report showing this account. Please note the STATUS DETAILS where it states : This account is scheduled to continue on record until XX/XX/2017