23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A man named XXXX XXXX called my new husband trying to collect a debt for American Express. He did not identify the agency he worked for. I already filed a complaint against the agency for illegal debt collection practices. My husband told him that American Express agreed to let me pay them directly when I get my financial settlement from my ex husband. He pursued the matter. My husband told him to call American Express. He said he would be calling me back until the debt was collected. I am tired of these people harrassing me and trying to bully me with threats of turning the matter over to a lawyer. A lawyer is the reason I can not pay the bill right now, my ex husband. These people need to be put out of business, or fined for every consumer complaint. The company response to my prior complaint was that they did nothing wrong. What else would an internatl audit by the agency itself determine? Better laws need to be made for debt collection practices and they need to be enforced. They assume they are dealing with ignorant people, but not this time. I will pursue this matter until the company is stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM
Product: Bank account or service

XXXX XXXX CFPB Case number : XXXX ] ***** [ Chase XXXX # XXXX ] I previously submitted the above claim numbers. In this complaint I pasted the same information used the above referenced complaint. 

After careful review of the original claim I discovered that I only submitted a claim for the unauthorized transactions committed against the estate checking account and I mistakenly omitted the claim for unauthorized transactions committed against my sisters Estate savings account. I am now attaching the XXXX in-person unauthorized draft transactions Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous XXXX to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate XXXX for my sister who passed away XX/XX/XXXX Upon my sisters death the XXXX probate court appointed my Mother as the XXXX of my sisters XXXX and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX under total XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the XXXX. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as XXXX on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed XXXX and in XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets.
Product: Debt collection

Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
Product: Credit card

I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. BANK OF AMERICA SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. BANK OF AMERICA NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER.
Product: Mortgage

I am a customer of Quicken Loans/Rocket Mortgage. I was investigating a HELOC with Quicken, called them, told them I wanted a second mortgage, and they connected me with " XXXX ... .our California specialist ''. I told her I wanted a second mortgage and she asked about my home value in regards to what it was last XXXX when I refinanced with Quicken. She then told me she would need to pull my credit report to really have an idea about my potential. She asked me if that was ok. I was apprehensive because it's a " hard pull '' on my credit ( which does not go away for a couple of years ). I agreed. She called me back and delivered information about what she found and then told me the payment would be {$3200.00}. I responded " oh you mean my first and second payment together? '' Then she dropped the bomb that the monthly payment she quoted would be a refinanced mortgage of what I have now at 4.75 % ( I'm paying 3.99 % now ). So I guess that approach works for some people with Quicken Loans. They think you are desperate and offer you something and if you really need the money, you may relinquish to take a loan with points and more interest. I told XXXX that you never mentioned a refinance and I made it clear I wanted a HELOC. She responded that " all their conversations were on tape ''. Clearly Quicken Loans has scripted this knowing full well they were not going to offer me HELOC since XXXX told me " we don't do those ... we don't to lines of credit ''. This practice needs to be stopped and stop baiting and switching what you are offering.
Product: Credit card

I only used this credit card back in XXXX to purchase an airline ticket which I paid inmediately. I requested to cancel the card after that and they didn ; t, apparently they sent a replacement. Back in late XXXX I check the online account to see if the card was closed for good, and I found a charge, which i dispute, it was a cash advance on XX/XX/XXXX for the amunt of {$490.00} and they credited the account and said that was going to be investigated. I never got a notification, so around XX/XX/XXXX i checked the online account and found that the charges were posted back and another extra charge of {$24.00} on XX/XX/XXXX was posted as well, ( interest ) plus the {$490.00} back again, i searched for anything on the website and found a letter stating that in response to my dispute on a charge for cash advance of XX/XX/XXXX ; they said : that because the card was in my possession it shall be a valid charge, since is a chip technology ; I completely disagree with that. 
Chip technology is not perfect, and there is a history of scams related to this type of technology, which is documented on the internet. I have not been in any ATM, I never pull out any cash advance, I don't even know how to do a cash advance. 

The letter dated XX/XX/XXXX also mentions that was done in XXXX XXXX, it doesnt say how, which XXXX XXXX, what city and state ; or what location. I called on XX/XX/XXXX to dispute again the charge, and someone transfer me to a Fraud department, they mentioned that was done in XXXX XXXX, and they filed another dispute, I spoke to XXXX XXXX XXXX XXXX XXXX 
I called again on XX/XX/XXXX, to make sure is being investigated and I spoke to XXXX, a specialist who told me that he see the case but nothing was done, and he didnt understood why they didn't process a credit again while the charge is in dispute. as of today the charges are still showing a balance of 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, I am disputing this again because I havent done any withdraw of cash, I want to know if you have a video of the person using the atm in XXXX XXXX. I want access to that video. 

I am a very good client with my credit cards, I have an excellent history of payment and credit. I dont appreciate that this is happening and to be charged with something that I have not done. The only charge I made with this credit card was when I bought a ticket in jet blue back in XX/XX/XXXX, and it was paid immediately in XX/XX/XXXX. 

The specialist on XX/XX/XXXX, told me not to pay, but i see the statement due XX/XX/XXXX and I don't want to be affecting my credit report. 
I have XXXXXXXX XXXX, and i have excellent history and I pay all my bills every month, I don't accumulate interest, I dont like to owe credit cards any amount. 

I thank you in advance for your investigation to go further and see what exactly happened. 
My phone number is XXXXXXXX XXXX XXXX so I can discuss with anyone what happens here.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees due to lagged postings of charges and credits This issue aligns with the recent findings of CFPB. Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe this practice is unfair and request aninvestigation into my accounts transactions. Thank you.
Product: Debt collection

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy. Please see 15 U.S. Code 1666b.
Product: Money transfer, virtual currency, or money service

To whom this may concern, My name is XXXX XXXX XXXX I am a XXXX  in the U.S XXXX  currently XXXX  in XXXX. I was message by a Individual stating to be a manager at USAA saying that they work in a department that offers military members grants to help them in their day by day XXXX. I was offered and promised by XXXX XXXX the USAA manager a grant totaling up to XXXX  This was back in XXXX  of this year I have not received this grant to this day. I feel like I've been fallen into a scam by this Individual of this company. I would to know if I can get this grant or some sort of compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I purchased my home ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) on XXXX XXXX, XXXX. I financed my mortgage through XXXX. On XXXX XXXX, XXXX my mortgage was sold by XXXX to Carrington Mortgage Services , LLC . At the time this did not present a concern to me. I made my XXXX XXXX mortgage payment to Carrington and everything was fine. In XXXX XXXX I received my mortgage statement from Carrington and my payment had been raised from {$1100.00} to {$1200.00}. On XXXX XXXX, XXXX I called Carrington to inquire about the {$160.00} monthly increase. I was told that my insurance had not changed, but that my taxes had gone up {$790.00}. I verified the tax increase with the county, so I know that figure is correct. I then asked why my payment had increased by {$160.00}, since the tax increase should have only increased my payment by {$66.00} per month. I was told that it is their business practice to hold a " two month cushion '' of my escrow account. This is not in my original loan terms with XXXX and I never agreed to these terms. I am agreeable to pay the extra {$66.00} per month to cover my tax increase, but I do not see why I am required to pay an additional {$98.00} per month so that Carrington may have a " cushion '' for my escrow account. I was told by the customer service rep on XXXX XXXX that I could request to hold my own escrow account. On XXXX XXXX, XXXX I sent a letter to Carrington via fax as well as certified mail requesting that I hold my own escrow. On XXXX XXXX, XXXX I received a response via USPS mail from Carrington denying my request to hold my own escrow. As a XXXX female veteran, with a VA home loan, I am appalled by the business practices of Carrington Mortgage Services. They are STEALING money from their customers. I am not the only one to experience difficulty with this company. A quick XXXX search shows hundreds of people being taken advantage of by this company. My next step must be legal action, but I am hopeful that the Consumer Financial Protection Bureau will look into this and put a stop to this disgraceful company.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). Our conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, ScottY file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. He also mentioned the Jacket is brand new with no wear and no issues. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following incorrect or outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses are no longer associated with me and should be removed to ensure the accuracy of my credit report. Please update my file accordingly to prevent any potential confusion or negative impact on my credit.
Product: Debt collection

i am filing this complaint against both XXXX XXXX XXXX and Transunion credit reporting agency. it appears that XXXX has went into my Transunion consumer file w/o written permission 15 u.s.c 1681 b and logged that i owe them as a collection {$730.00} ( via a XXXX  account ) of which XXXX has never contacted me in regard to this false debt claim, not by letter, telephone, email, or any other form of communication. in direct violation of 15 u.s.c sec. 1692 g, f b and a. again there has been no communication whatsoever regarding this debt claim, immetiately dropping my score XXXX points.i do not have nor have i ever had a contract with XXXX. i personally this is done in retailation to a court action that i was successful against them last year. they know my address, my phone number, my email and yet no contact what sover regarding this new filing placed on my consumer report. this denying myself the opurtunity to have them validate this collection claim. yet another violation of 15 u.s.c this is also a cease and desist demand to XXXX who has knowingly and willingly violate numerous rights under 15 u.s.c not to mention transunions vefication method is flawed or XXXX flat out lied to them either way my credit dropped XXXX points with no notice or aportunity to challenge this bogus debt.
Product: Checking or savings account

1. XX/XX/XXXX : a ] {$130.00} was automatically withdrawn from my Citibank account # ending in XXXX by XXXX. 
b ] I am not nor have i ever been a XXXX  customer. XXXX  confirms this. 

2. On or about XX/XX/XXXX a ] I filed a dispute with Citibank ( issue # XXXX ). 
b ] My debit card was cancelled and a new one issued. 
c ] I requested Citibank block XXXX  from accessing my account. 

3. XX/XX/XXXX I received a credit of {$130.00} to my account. 

4. Sometime between XX/XX/XXXX and XX/XX/XXXX : Citibank gave XXXX my new debit card # 5. XX/XX/XXXX XXXX withdrew {$270.00} using my new debit card number. 

6. XX/XX/XXXX I filed a dispute with Citibank XXXX issue # XXXX ) 7. XX/XX/XXXX a ] claim still hadnt been resolved b ] Received a letter from Citibank requesting information that was not relevant to my claim ( such as was the merchandise damaged? Did I have a receipt for my purchase, etc. 
c ] Called Citibank again who reopened the claim. 
d ] Filed a dispute with XXXX  ( issue # XXXX XXXX 8. XX/XX/XXXX a ] followed up with Citibank who opened another claim ( # XXXX ) with their fraud department 9.  XX/XX/XXXX Received a letter from Citibank rejecting my claim # XXXX due to the amount of time that has passed since this charge was first billed. 

10. XX/XX/XXXX a ] Contacted Citibank again. Was advised to appeal in writing. Given sub case # XXXX. 
b ] lost faith in XXXX effort to replace money they erroneously deducted from my acct on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}