23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 I was a victim of an XXXX XXXX XXXX XXXX XXXX. The assailant stole my phone and used my phone to make fraudulent transactions on my Venmo account. I contact Venmo to terminate my card, change my password, and to dispute all charges I did not make or authorize. Venmo has denied my disputes and appeals without proper research, communication, or understanding of the situation. This is extremely frustrating and disappointing. I have submitted dispute claims for the amounts of {$60.00} where they loaded money to a XXXX XXXX  account from my Venmo, {$670.00} where they sent money through XXXX XXXX to themselves from my Venmo account, {$56.00} where they spent my money at a XXXX XXXX, {$26.00} where they spent money at XXXX, and {$6.00} where they spent money at a XXXX. I submitted information from the police report to Venmo and they claimed that this was no sufficient evidence. This situation is ridiculous and I need someone in leadership to contact me from the company immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH EQUIFAX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.
Product: Debt collection

Consumer Adjustment Co. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Adjustment Co. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$700.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Product: Mortgage

I filed bankruptcy in 2006, it has recently been discharged and my mortgage company has stopped sending me statements. When I requested statements they said it 's there policy to no longer send statements to anyone who filed bankruptcy and did n't re-affirm their loan when they filed. Additionally, it 's too late to do anything now because it has been discharged and there is no way to get a statement from here on out. -
Product: Debt collection

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$250.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card

I encountered two fraud transactions with my brand new Chase business credit cards. The transactions were made within a week I received the physical card. I noticed the transactions as soon as it posted on my bank account and contacted Chase immediately to dispute the transactions. They removed the transactions from my statement and stopped the card. Three months later, I received a call from Chase Fraud Recovery team. They deemed the transactions valid after their evaluation as the card was not stolen or lost and the transactions were made in person. I told them that I don't recognize these two transactions and they were not made by me. I refuse to accept their decision and demand for a further review. However, they said they had to post the two transactions to my account now. What I can do is to provide evidence or supporting documents for their review. I contacted both merchants respectively. I was able to retrieve a copy of the receipt from one business. It shows a signature in the bottom of the receipt. It was not my signature. I have a very consistent signature. Chase should have my records throughout the years. It also shows Chase didn't do their due diligent during their investigation to spot the signature differences. However, the other merchant refuses to reveal any information to me as I'm a civilian. This business is a membership only business. I don't have membership with them at all. But if the business is willing to share the transaction info, it will show the membership info with this purchase. It will prove it's not me. I also wanted to file a police report because of that. However, XXXX requires an affidavit from Chase saying these are fraud and list the transaction details. I put the police officer and Chase fraud team on the call together. Chase can't offer a letter because they think the transactions are valid and my card was not stolen or lost. I can't file a police report without this affidavit thus can't provide any further information about the transaction to prove my innocence. Not only that I also want to find out who the scammer is. But Chase is blocking me from doing that. Currently, Chase said they will keep my case open and will contact the business. But refusing to provide an affidavit and limiting my ways to get more proof on my own is unacceptable.
Product: Checking or savings account

I have a checking account with Chase. I am having trouble sending an XXXX payment to my son. I keep getting locked out. I have spent four hours on the phone with Chase. I wait for long times to speak to someone and when I do there is a long process to " qualify '' me. Some agents quality me and some don't. Some refuse to let me speak to a supervisor.
Product: Credit card or prepaid card

XXXX XXXX XXXX Credit Card offered an 18-month free interest rate. I took advantage of this offer on XX/XX/2018 and made my payments on time according to my statements. 
After completing my last payment in accordance to my online statement. The company added the full deferred interest of {$930.00} plus a late fee. 
After singing up for the card I joined online statements. I logged into the portal every month and made payments in accordance to the site. 
I called the customer service team to report the issue and I got no help was so ever. The team was unprofessional and told me I needed to pay 6 days prior to the indicated date in my statement. 
This practice from my perspective is deceiving and show no value from the consumer.
Product: Debt collection

I am currently trying to boost my credit score. I checked out my score on XXXX and I noticed that I have XXXX amounts of {$180.00} and {$90.00} in collections. I have not received anything that says I was supposed to pay something off. I noticed that it was from a company called Trident Asset Management. When I tried going to their website, none of the links work when I clicked on " make a payment ''. Here is the website : http : //www.tridentasset.com/ I continued to try and get a hold of them so I could potentially pay off this debt, or get some more information on it. I do not know what this debt is, and it concerns me that I can not even get a hold of a company who claims to have debt on me. Their phone numbers do not work. When you call, the machine tells you to press " 1 '' and it continues to repeat itself, never connecting you to a representative. Here are the phone numbers that I have tried that they claim is theirs : XXXX XXXX Here is the address they claim to be at : XXXX XXXX XXXX XXXX, XXXX , GA XXXX I have researched online and many people are having the same issue and do not know what to do. I 'm not sure if this is a reliable source, but this is what other people have to say about it : http : XXXX
Product: Credit card

Someone used my card on WISE INC, Thinking of this comapny because the name of this company shows in my statement! They have charged {$20.00} from my card. 
And XXXX XXXX XXXX also charged me some cents several times. 
I am not aware of that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXard/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID 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: Bank account or service

I bought a car from a " buy here, pay here '' dealership. A month after the car was purchased, the car was repossessed as soon as the last bit of my down payment was made. From what I can remember, the car was purchased in XXXX of 2012 and it was repossessed in XXXX of 2012. The first payment had not been made. The " owner '' of the dealership, XXXX XXXX, made some serious and false accusations towards my person. XXXX Police Department was contacted to place a police report. Now, 3 years later, after trying to purchase a car, I discover that this was placed on my credit report as a repossession.
Product: Checking or savings account

I opened an Virtual Wallet with XXXX XXXX account on or about XX/XX/year> under a {$XXXX} promotion. All the promotional terms ( proof of direct deposit on my statement are attached ) were met and the {$XXXX} promotional bonus was due by XX/XX/year>. My account has not been credited and the funds owed are past due.
Product: Mortgage

I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? 

Immediately stop foreclosure proceedings, and fix all errors.
Product: Debt collection

I received a notification on my credit report that an negative item was placed in collections.I have never been notified by the agency that I owe them anything.My credit report say debt was reported XXXX XXXX 2016 but the debt was reported by a company named XXXX at that time who sent me a letter dated XXXX/XXXX/2016 saying they are no longer handling the debt.
Product: Payday loan, title loan, or personal loan

I began a financing plan on XX/XX/2020 with American First Finance. The total cash price was {$2700.00}. I was told at the time of signing that they would take bi-weekly payments to pay this off. To date, they have taken a little over {$1000.00} from my bank account on auto-pay. I called today because I noticed the pay off balance jumped up to {$2200.00}. That couldn't be right since I only should about {$1700.00}. Apparently, because I did not pay off the balance within 101 days, I did not make the early pay off date ( XX/XX/2020 ) and therefore they charged an exorbitant amount of fees- which only increase daily. 

I was told at the time that I was signing up that they would take the correct amount out of my bank account to pay off the balance in three months. Apparently, they default to taking the 'minimum amount ' so you don't pay it off in time and it is your responsibility to override that monthly by paying more so it is paid off in time. There is nowhere on the contract to indicate you would like to override the default to have it paid off by the 101 days- as I indicated at the time of purchase and was under the impression was in effect. 

The {$2700.00} is the cash price. If I were to have contacted them on XX/XX/2020 then I could have paid off the loan at XXXX- XXXX = XXXX. However, since it is past the 101 days, if I wanted to pay it all off it is now the cash price - 0.5* ( what I have already paid ). Meaning, if I were to pay it off today I would owe : {$2700.00} - XXXX = {$2200.00}. That is {$500.00} interest for 16 days. The maximum legal interest is 12 % in my state. What is potentially illegal about this is that they categorize the agreement as a 'rent to own ' agreement, but report the balance to the credit bureaus a loan. Thus, if it is a loan, they should be subject to state usury laws. 

They also report the loan to the credit bureaus inaccurately- stating I have paid {$2800.00} of a {$5800.00} dollar loan. This {$5800.00} number comes from the cost of rental ( {$3800.00} ) + ( {$2700.00} ) cash value ... I have no idea where that {$2800.00} number comes from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Discover Card continues to harass me even though they know I have no ability to provide any payment and have threatened a lawsuit against me. I was recently diagnosed with XXXX  and additional mental illnesses and are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX XXXX XXXX   care and have been admitted in to the hospital on XXXX  watch. The company does not care if I commit suicide due to their harassment. A call lasting 1 hour and 40 minutes today ended up in the creditor hanging up on me while I was hysterical due to my mental state.
Product: Credit card

My wife applied for a Citibank Visa on XX/XX/XXXX which was approved on XX/XX/XXXX, application number XXXX. I am not a co-applicant nor am I an authorized user. On XX/XX/XXXX, she received the credit card with instructions to activate. In addition to the instructions to activate the card, there was a notice that she was required to call them if she was a married Wisconsin resident and provide the spouses name and address. She called as instructed that day, was transferred twice and was told by the XXXX person that given she was already approved, she did not have to provide the name and address of her spouse. 
According to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, commonly called the tattletale notice, they failed to follow the law. It does not require them to provide this notice if the non-applicant spouse is aware of the credit granting. Yes, I was aware of the credit, thus I am not entitled to a penalty fee. They did not ask if I was aware of the credit extension however. 
I had applied for the same credit card in XXXX, application # XXXX. I filed an ECOA complaint to CFPB on XXXX as they turned me down as they were unable to verify some information on my application. I had written to them on XX/XX/XXXX as to what information they needed, no response to this day. My wife and I should have had an identical credit report. As a result, I lost about XXXX XXXX XXXX frequent flyer miles which had value. They responded to my complaint which amounted to nothing, the complaint went no further. 
I bring this tattletale requirement to your attention as it may be a continual violation when Citibank deals with Wisconsin applicants. Providing data from them maXXXX disclose a pattern of violations. Another example of a big bank bending the rules, much like they did with the sub-prime mortgages back in the XXXX  years.
Product: Debt collection

I was sent a letter by Linebarger Goggan Blair & Sampson, LLP from XXXX XXXX XXXX XXXX XXXX, TX ( I live in XXXX, TN ) for a parking violation on a street I have never been on. They have all my information including my license plate number on this letter. I never received a parking violation notice from the state/city, nor am aware of ever being on the street names so I suspect this is a scam.
Product: Vehicle loan or lease

Issue 1 : My son and I bought a car XX/XX/XXXX. My son made a payment before he went into the hospital on XX/XX/XXXX. Honda Finance never mailed the statement until XX/XX/XXXX. Contact Honda for a payment deferment cause my son had XXXX which put him out of work until XX/XX/XXXX. I asked for financial hardship and got hang up on XX/XX/XXXX then call on XX/XX/XXXX the representative was rude. I asked for supervisor and no responds. 

Issue 2 : I also notice that my income was boost up by dealership. My son wasn't working at the time and I was only one working. The dealer rep fraudulently boost the income and never asked for proof of payroll checks from my son nor me. My son told him he was employed and on leave of absence. His income should be XXXX. Honda Finance never asked for payroll checks either. Every Finance income I had asked for payroll checks before approving the credit application. The contract have no signature
Product: Credit card or prepaid card

Several charges on my credit card that needs to get disputed and help.
Product: Vehicle loan or lease

Capital one auto loan as well as XXXX have a link with an offer for a no hard pull on your credit ( ie soft pull ) for an auto loan finance rate. XXXX send an immeadiate rate quote of 10.2 % and nothing from Cap One whom I already do business with. The next day I got an email turning me down for even a rate quote until I fill out an app. The timing is not right so I say I am not interested in going any further with Cap one. They posted to one of my reports that I was turned down for a loan because I refused to give them the necessary information to check my credit. 

When I called them, angry, they asked for my social security number..frankly trust was broken. Finally after talking to 2 pe0ple I was directed to their " Credit dispute department '' which takes 30 days- much the same as me reporting to the Credit services directly But maybe not? The point is these people promised a rate and they did not comply while other leders did.
Product: Mortgage

This case is a second filing against The Money Source. The original issue has not been resolved. Please refer to the previous case if needed. The case number is XXXX. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. 

On XX/XX/2019, TMS responded " To Whom It May Concern : The Money Source ( NMLS # XXXX ) ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX ( the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that after refinancing his loan with XXXX XXXX, he has received conflicting information regarding who is servicing his loan and to whom he should be making the XX/XX/2019 payment. Upon receipt of the complaint, TMS conducted a thorough review of the Borrowers loan file and determined that the Borrower closed on his loan on XX/XX/2019 with XXXX XXXX. On XX/XX/XXXX, the loan was sent to TMS, XXXX XXXX  subservicer. The Borrower made two principal payments on XX/XX/XXXX and XX/XX/XXXX, respectively, prior to making the regular monthly payment for XXXX on XX/XX/2019. XXXX XXXX  sold the loan to XXXX XXXX  on XX/XX/XXXX, and the loan was set to automatically transfer to XXXX after the balance had decreased by the amount of the scheduled XXXX payment. Due to the initial principal reductions, the pre-set balance threshold did not match, and the loan did not automatically transfer to XXXX. As of the date of this letter, the loan has been manually transferred to XXXX, including the XXXX payment made to TMS and the additional principal amounts. The XX/XX/2019 payment, in the amount of {$2200.00}, should be made to XXXX XXXX. All further inquiries should be directed to XXXX, using the following information : XXXX XXXX  XXXX. XXXX XXXX XXXX, MD XXXX XXXX If you have any questions or need further information, please contact me by phone at XXXX or email at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX '' However, according to XXXX, the additional principal payments were not remitted to XXXX until XX/XX/2019 ( see CFPB case XXXX ). 

On XX/XX/2019, I received an email from XXXX saying the check for {$1200.00} from TMS had bounced. I called the XXXX Mortgage customer service number and was told TMS placed a stop payment on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to The Money Source in XXXX of 2019.
Product: Debt collection

I reviewed my credit report and found an unpaid debt, that I was unaware of. I did locate a mailed statement, which showed my last name was spelled incorrectly. Emails were sent as well but I did not open them believing they were spam or fishing attempts and deleted them. As a result, I was not aware of this unpaid debt. 

The amount owed is {$360.00}, based on the last notification from resurgent dated XX/XX/XXXX, this appears to have been outstanding since XX/XX/XXXX. I know this was originally from the use of an XXXX XXXX Credit card, which I never received a paper/mailed bill. The XXXX XXXX Credit Card system was paperless, which I never agreed to. 

Below is the communication emailed through the resurgent " Contact Us '' page. As noted, I did include a copy of my driver 's license showing the misspelling of my last name. 

Attention Correspondence Department : Following up on the phone conversation on XX/XX/XXXX with XXXX. Due to the misspelling of my name, I did not open any messages because I believed that they were spam or fishing attempts. For this reason, I am requesting that this collection be deleted from my credit reports. I will be submitting a complaint to the XXXX. I have attached a copy of my driver 's license for proof of misspelling of my name.