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

An unauthorized charge of {$1800.00} was made on my credit card on XX/XX/XXXX. by a water/mold removal company in the XXXX , Florida area. My house sustained water damage in XXXX, XXXX and XXXX XXXX XXXX was hired under a " fixed price '' contract of {$3000.00} to " dry out '' our house ( see attachment ). We paid the contract amount in two installments -- {$1800.00} on XXXX XXXX and {$1200.00} on XXXX XXXX. At the beginning of the work, the contractor and I agreed on the price of the service and both signed a contract specifying that price and the service to be provided. Without any communications from the contractor, on XX/XX/XXXX an additional charge ( see above ) appeared on my Chase credit card statement. I immediately contacted Chase and filed a formal dispute of the charge. Chase immediately credited my card for the charge. However, in a letter dated XX/XX/XXXX, Chase informed me that they had decided the dispute in favor of the contractor. Chase asked me for a response to this decision and I immediately responded back that to them ( see attachment ), that the {$1800.00} charge was unauthorized and that the invoice submitted to Chase by the contractor was bogus. In addition to the fact that we had a " fixed price '' contract for the service, which was paid, we did not authorize any work, orally or in writing, other than what was specified in the contract. In late XXXX, XXXX, Chase reinstated the {$1800.00} charge on my credit card. 

I discussed this issue with at least five individuals at Chase. The gist of their comments was that this charge was legitimate because I had given the contractor my credit card information and an invoice was provided by the contractor to Chase that totaled {$1800.00}. Again, no invoice was ever provided to me and no discussion ever took place between me and the contractor regarding this charge that was put on my credit card. 

The issue of " credit card fraud '' was brought up by me to Chase representatives. More than one of these representatives said that fraud is only when someone steals your credit card information, implying that an " unauthorized '' use of the card is not fraud. 

Like many credit card users, I was under the impression that a credit card company would defend its customer ( particularly someone like me who has had a Chase credit card for at least 30 years ) when someone makes an " unauthorized '' use of my credit card. I would never dispute a legitimate charge to my credit card. This charge, however, was never authorized by me and was based on a bogus invoice. It is interesting that during the dispute resolution process the contractor never gave Chase any details of what was provided for the {$3000.00} that was paid under the work contract, and apparently Chase never asked for that. 

As an epilogue to my dealings with Chase, I went to Small Claim Court in Florida and received a Final Judgement against the contractor on XX/XX/XXXX. However, the Florida judicial process is a quagmire. I have spent over {$550.00} in court costs and have not received any of the {$1800.00} from the defendant, in over a year of going back and forth to court.
Product: Debt collection

On XX/XX/2024 I received a letter from Caine and Weiner a third party debt collector which I have no contract with. According to 18 USC 8 all debt is the obligation of the United States. So I dont owe this debt. In the letter was several violations of the fdcpa. 
15 usc 1692b, ( 2 ), ( 3 ) ( 4 ) and ( 5 ) 15 usc 1692c, ( a ) and ( b ) 15 usc 1692e, ( 2 ) ( A ), ( 8 ) and ( 12 ) 15 usc 1692f, ( 7 ) and ( 8 ) 15 usc 1692j, ( a ) and ( b ) 15 usc 1692k 15 usc 1611 15 usc 6802 15 usc 1640 Additionally debt collector is violating as we speak my consumer right to privacy by reporting my non public private information to non affiliated third parties XXXX, XXXX, and XXXX without my written consent.
Product: Debt collection

followup om compliant XXXX. This is my third compliant about the same come : Portfolio Recovery. Dispite the response you recivieved XXXX XX/XX/2023, they are still calling. Just got another call from ( XXXX ) XXXX less than XXXX minutes ago ( XXXXXXXX XXXX XXXX  ). 

This company has not and will not response to CFPB. Stronger enforcement is needed. Can you fine them or revoke their license? 

This organization is unscrupulous!
Product: Mortgage

The mortgage servicer made XXXX errors on my mortgage account in the past two months : First, they automatically credited my XXXX XXXX mortgage payment erroneously to the escrow account. They then claimed that I did n't pay two months of mortgage payments and owe late fees. They also claimed that when I attempted to pay my XXXX XXXX payment, I entered an incorrect bank account number - but they did n't inform me until over three weeks later, thereby making for more late fees. I do n't believe any of this is accurate.
Product: Credit card or prepaid card

XXXX I went to XXXX, they asked me if I wanted a discount and I would sign up for a credit card. I never received my credit card or a statement of my charges. For 3 months I called them and asked for the card statement so I can make the payment, updating my address every time to the exact same address as they claimed that the reason I never got it.

It frustrating paying a bill when you can not see what you have been charged for.

3 months later they tell me they will take me to the collection agency if I dont pay I explain I would like to know what I am paying they say they cant tell me. They will send me a statement of course again I never get the statement.

They then call intimidating me that I have to pay right away over the phone even if I havent gotten a statement. They couldnt send it by email or mail.

I ask them to pay the full what I owe. I close the account that day. 

Now they have put a charge of XXXX dollars on my account that they say I owe as the bill when I paid was processed XXXX after and therefore they will charge me XXXX dollars and a fee of XXXX dollars. They are complete scammers. Theyve taken advantage of me.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/XXXX of 2024, I received a document from XXXX XXXX, executive office case specialist, enterprise complaints management office of Wells Fargo. The document suggests two addresses, Return Mail Operations XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX I am not sure why the person in charge provided the return address to this document, which does not have so much serious contents for me. I once thought I might write a letter to one of address ; however, the office address on the envelop said Origin ID : XXXX, Wells Fargo Executive Office, Wells Fargo-Corporate, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX United States US. So I have decided not to write a letter because of this discrepancy of address. I have checked the telephone number written on the document, XXXX and found out the web search suggests that this number is connected to social security scam and some legal issues recommended to submit a complaint. I recognize another number XXXX, which I treated as unwanted or scam call. I have attached all documents.
Product: Vehicle loan or lease

Bridgecrest is in violation of multiple laws set forth by Congress in regards to the following account ending # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Bridgecrest ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Bridgecrest can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Bridgecrest for the cancelled debt of { { {$6400.00} } } in order to file as ordinary income. Where is my 1099-C Bridgecrest is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX, and XXXX is not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Please delete this from all credit bureaus. Please note the bureaus are not reporting uniform numbers so all third parties need to take off my report.
Product: Debt collection

I was called by Everest receievable services saying that they were collecting a debt that I had no awareness of. When I asked for more information, I had to verify my address and the last four digits of my social security. The agent then told me that I owed just over {$2000.00} from a XXXX credit account. I told the agent that I have never had a XXXX credit account and that it was not my debt. He stated that the debt was from XX/XX/2017. I again stated that the debt was not mine. He said I would have to complete a fraud form and he would send it out. Once I got off the phone with him, I immediately checked XXXX, saw that I have never opened a credit account with them, then I went to XXXX and ordered a credit report and score, the XXXX documents showed no XXXX account and nothing in collections. I am extremely concerned now that this was a scam to get my address and last four digits of my social.
Product: Checking or savings account

My account was garnished with Bank of America and the bank claimed at first it was taxes never filed taxes before then said it was XXXX  taxes never had any XXXX  charges never been in trouble then got a letter from the bank it was gray meaning no understanding went to irs no record then finally got a police report claiming to be about me but not my information or name on it but they have take XXXX and caused me to lose My pho es and my car due to not being able to cover my bills thanks
Product: Checking or savings account

An account was opened in my name with Bank of America on XX/XX/2022. I did not sign up for this account and the emails began to arrive in my XXXX mailbox around XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts listed below, which were fraudulently opened under my name due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information removed from my credit report. 
Unauthorized Accounts 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 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 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 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
Product: Checking or savings account

My name is XXXX XXXX XXXX, and I am writing to address a matter concerning the recent transmission of Debt Securities to your institution via registered mail. The Debt Securities were intended for processing and eventual transfer to my XXXX Account, as detailed in the accompanying instruction letter. 

As the indentured Trustee of XXXX  XXXX XXXX and XXXX XXXX, it is my understanding that under the XXXX XXXX XXXX XXXX, Bank of New York Mellon bears the responsibility of ensuring the correct processing of Debt Securities and safeguarding the interests of the holders. Unfortunately, despite successfully receiving the Debt Securities, it has come to my attention that the instructions outlined in the accompanying documentation were not followed. 

In accordance with the XXXX XXXX XXXX XXXXXXXX and the legal obligations imposed by the same, I urge Bank of New York Mellon to uphold its responsibility and ensure the prompt processing of my securities. Specifically, I request the transfer of the securities to my XXXX Account, as per the details provided in the instruction letter accompanying the package sent to XXXX XXXX via registered mail. 

Additionally, I would appreciate the swift return of my tender in conjunction with the processing of the securities. I understand the importance of legal and procedural compliance, and I trust that your institution will handle this matter with the utmost urgency and diligence. 

I am available at XXXX or XXXX to provide any further information or clarification necessary. I appreciate your immediate attention to this matter and anticipate a prompt resolution to avoid any potential legal actions. 

Thank you for your cooperation.
Product: Credit card

Contact Center for Credit Card Servicing. 
XXXX On XXXX XX/XX/year>, I contacted Navy Federal Credit Union to express concern about the high interest rates on my credit card, which I obtained at the age of XXXX when I XXXX XXXX XXXX. Now at XXXX, I have been struggling with a cycle of debt that feels impossible to overcome due to these high rates. My account has become difficult to manage, and I was hoping to discuss options to lower my rates or explore solutions.

I was transferred multiple times between different departments before reaching a representative in the Credit Card Servicing Contact Center. During this call, the representative did not provide her name, which felt unprofessional. After a brief conversation, she suddenly hung up on me, leaving me without any resolution or further explanation. I was frustrated, confused, and unable to get any answers to my concerns. 

Date of the Incident : XXXX XX/XX/year> ( approx. XXXX EST ) Credit Card Interest Rate : 18 % Action Taken : I tried to address the issue with customer service, but was transferred multiple times and eventually disconnected. Upon calling back, Navy Federal gave me no comfort that I nor my issues were being valued.
Product: Vehicle loan or lease

The car loan was paid off around XX/XX/2021 after the car was repossessed. I called American Credit Acceptance within a week and requested my title so that I can take it to Florida Highway Patrol to have the lien release and get my title without lien. I was told on XX/XX/2021, that my papers was mailed out on XX/XX/2021 and received a email of the documents that was supposed to be sent to me. XXXX XXXX still no title, a rep claimed it was mailed out and give it two more days. After waiting three more days still nothing, so I reached out to the young lady that sent me the email name XXXX XXXX and told her that I hadnt received my paperwork yet. Mrs. XXXX then told me that she would send out a lien release form on XX/XX/2021 and I should receive it in a couple of days. Sill the original paperwork I received a email copy of hasnt made it yet. So I called on XXXX XXXX and spoke with another representative and asked about the original paperwork and explained Mrs. XXXX was sending out the same form he offered to send me. He wasnt aware of any other paperwork that was supposed to be mailed to me, and said he was sending me a lien release form again. This time I was told to give it five days not two. Its been a day short of thirty days since the car was paid off and the finance company will not send me my paperwork so that I can get the lien released from the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
Product: Vehicle loan or lease

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit reporting

i have previously dispute so many creditors on my credit report .... 

I would love for all of the fraudulent student loan reports to be moved. 

please contact me at XXXXXXXXXXXX to go over each one ...
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. Thanks. 
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
Product: Mortgage

I purchased my home in XXXX. It was transferred to several loan companies since then. However, I have been having problems with my current lender ( SN Servicing Corporation ) stating that my account was over {$17000.00} past due and they needed proof of payment history from XXXX to present, due to my loan being delinquent. I mailed those documents, attached with a certified mail receipt on XXXX/XXXX/XXXX. After waiting several days I called to check on the status and I was told management had to view them.Then days later I was told that I needed proof of payment dated back to XXXX because they could n't find any payment history. I told them what loan company I had my account with during that time and they can get it from them. They were not willing to do that so on XXXX/XXXX/XXXX, I sent SN Servicing ( XXXX ) a request of validation of the debt I owed because I did not agree with my past due balance. I received the letter a few weeks later showing my balance as mention above. They also stated that all payments made to them were going towards the past due balance ( which was paid years ago ). Instead of them researching my payment history from previous lenders, they chose to only accept what was passed down to them, just like the lenders before them! I want to know why they ca n't find it. That will be ridiculous for me to pay for something twice!!
Product: Debt collection

Midland Credit management is reporting the same XXXX XXXX account that is in collections 3 different times one my credit report. They state that 2 accounts were opened in 2022. XXXX in XXXX and XXXX in XXXX. No new accounts were opened, they are reporting it multiple times to damage my credit rating further.
Product: Credit card or prepaid card

Called Chase bank XX/XX/2018 regarding my ridiculously high APR on my 3 credit cards with them. My APR is 24.99 % and my credit score is in the low 700 's. I have been with Chase for over 3 1/2 years and I have never missed a payment. I was told by a supervisor that they don't negotiate APR 's, and that I am getting the best rate on my account. I also have a 0 balance on all 3 of my cards with them. The only reason I am still with them is that they are decent at raising my limits but bad at lowering my APR, because they never have.

In closing I would appreciate you look into this company and others like it, when they become to big to care for the little guys, they will lose all in the end from their greedy ways. Thanks for the help in advance.
Product: Debt or credit management

I applied for Lexington Law for credit repair services and there were no corrections done as promised. An was charged multiple fees..