23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been a loyal Chase customer for over XXXX years, but recent events have severely shaken my trust in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account. 

Immediately upon discovering the theft, I notified both XXXX and my local Chase bank office, initiating the process to secure my accounts and gather evidence. The local Chase office has been instrumental in submitting several rounds of evidence confirming that my phone was stolen and the transactions were unauthorized. 

Despite these efforts, the situation took a frustrating turn during a conversation with a Chase representative named XXXX. He indicated, before any substantive discussion, that the management team had already decided my fraud claim would not proceed. He based this on an alleged XXXX XXXX  authentication from an XXXX XXXX, a device I have never owned, at a time after my phone was stolen. 

I've also reached out to XXXX to obtain a detailed log of login activity, which should further prove the unauthorized access. Yet, Chase has shown a lack of willingness to consider this new information. To my dismay, the Chase representative was dismissive, insinuating that I was attempting to commit fraud, and refused to recalibrate his thinking or acknowledge the clear evidence of theft and unauthorized use of my account. 

Moreover, Chase has not taken steps to investigate the recipient bank accounts involved in the unauthorized transactions, even though this information has been provided to them. This refusal to investigate not only the circumstances but also the destinations of the fraudulent transactions is bewildering. It suggests a disinterest in pursuing a thorough and fair investigation. 

This experience has left me feeling betrayed and unfairly treated by a bank that I had trusted with my finances for nearly XXXX decades. The lack of due diligence and the premature conclusions drawn by the management team, as communicated by Chase, are unacceptable. It's clear to me that Chase 's handling of this situation falls far short of the standard of customer care and protection that any bank should uphold.
Product: Credit reporting, credit repair services, or other personal consumer reports

FREEDOM PLUS XXXX XXXX XXXX XXXX XXXX, AZ. XXXX I opened an account with Freedom Plus in XX/XX/2022. In XX/XX/2022 I came down with XXXX XXXX. Since I am self employed I was unable to work and produce any income. I was in communication with Freedom and made them aware of my situation that I was sick with XXXX  XXXX and I was in a XXXX XXXX XXXX. I had XXXX XXXX the prior year and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in jeopardy of not being able to make my payment on time. I finally made my payment but it was on the XXXX day. I also had a hold on my deposit due to fraud on my account. Thus my payment was returned. XXXX resubmitted the payment and it was processed. I made my current payment for XXXX a few days later thru a different bank because of the deposit hold and I had the same issue. Within days both payments were processed and my account is current. I was told that my credit report will probably report a thirty ( XXXX ) day late on my credit report. I requested a XXXX time courtesy and not report the late because it would jeopardize my ability to obtain credit when I need it because of my illness. I was told by the representative that I was eligible for a payment deferral for the payment in question and I told her that in all of my conversations with the representatives that NO ONE offered my that option. Then I was told by the representative that they do not charge late fees and I should have read that information in my contract and as far as she saw it that a XXXX XXXX Late would probably be reported. Come to find out I NEVER received any contract or any documentation of the terms of my loan. So it would be impossible for me to be aware of the opportunity to get a payment deferral. Also NO representative in the many conversations I had with them no one offered me that option. I do believe that it is a law to disclose to the consumer which is me, the terms and conditions of my loan. I spoke to another representative and I advised him that I did not and do not have a copy of my loan agreement. He told me that it was too many pages to email and that he would mail me a copy within XXXX business days. My request is that Freedom report on my credit report that I have paid as agreed and DO NOT report the XXXX Day ( XXXX ) late because I was never given the opportunity that was available to me because of information withheld by Freedom that would have been a huge help given my illness It would also be devastating to my ability to obtain credit in the future. Again my account is current and not due again until XX/XX/2022. I would like to thank you in advance for your help and consideration in this matter. This request is for all three major credit reporting agencies. XXXX, XXXX and XXXX XXXX. Report PAID AS AGREED for my account. Given the fact that I was not afforded options available to me and the fact that I was not given a copy of my contract and terms of my loan how can any consumer follow the rules when you are not given the rules or the terms of our agreement. Thank you.
Product: Student loan

My student school loan ( loan number XXXX ) was previously serviced by Nelnet. I worked with Nelnet to sign up for an IDR program. They informed me verbally the IDR was approved for {$0.00} for 12 months in XX/XX/XXXX. I also received a letter dated XX/XX/XXXX from Nelnet confirming this program approval. My loan servicing was transferred to Sloan Servicing shortly thereafter. I contacted Sloan Servicing by phone in XX/XX/XXXX because I noticed that they were submitting derogatory credit information to the credit bureaus for nonpayment of my school loan payments. I was told that they see the notes from Nelnet but that do not have further information about my IDR program enrollment. I asked to speak to a manager. I was placed on hold after waiting almost an hour to speak to the initial person. I waited on hold again and the line was disconnected. I went to their website and sent a message to Sloan Servicing on XX/XX/XXXX. I notified them that they were reporting incorrectly to the credit bureaus and that I was previously approved for the IDR program at {$0.00} ( due to unemployment for one year ). I have received no response from Sloan Servicing as of this date. I am very concerned about my credit score and possibility of going into default as Sloan Servicing is now reporting 3 months delinquent. I can not reach anyone at the servicer to assist me. I obtained these loans in my XXXX and XXXX years beginning in XXXX. I initially borrowed around {$80000.00}. I have been making payments on the loans for over 24 years. I consolidated my loans to get a lower rate in the early XXXX because that was what was advised by the servicers. My loan balance is is more than double the initial loan amount despite making years and years of payments. I asked Nelnet for an accounting of my loans historically and they called me to say they can not provide an accounting. I have no idea how much I have paid into these loans. I was very appreciative of the loans allowing me to go to school, but I feel like an XXXX XXXX  now. I never thought my loans would follow me for the entirety of my life and never get paid off due to the compounding interest. Please let me know of other options that may be available to me with such old loans. Also, please help me get in touch with Sloan to stop the inaccurate credit reporting and get them to honor my approval for the IDR program that was provided by Nelnet. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked the credit bureaus to remove inquiries because they are inaccurate. The credit bureaus did not remove inquiries that i asked to be removed. I am providing an identity theft report and a copy of my drivers license, I am requesting that the be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX  XXXX  and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I received an offer from Citizens Bank. The offer was to open a savings and a checking account, maintain at least XXXX XXXX  monthly, and have a minimum direct deposit of {$500.00} per transaction. In return the bank would credit ( deposit ) my account {$600.00}. 

On XX/XX/2023, I opened a checking and savings account with Citizens bank, and made 2 different transactions of {$500.00} each from my Savings account at XXXXXXXX XXXX over to the newly opened savings and checking account at Citizens Bank ( a total of {$1000.00} ) using Citizens Bank direct withdrawal tool. 

Using the Citizens Bank online website, I was able to see the funds in the newly opened accounts. On XX/XX/2023, I was not able to access the Citizens Bank accounts online so I called their customer service, and they told me they were not able to find any accounts under my social security number or my name. 

On XX/XX/XXXX, I also received a letter stating the newly accounts opened were closed and no explanation on the reasons why. I contacted the number on the letter and they were not able to give me any information. The letter referred me to the local bank. 

On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX, NY, and spoke to the branch manager, XXXX XXXX. He said he could not do anything for me because I opened the account online. He called customer service and they were not able to provide him with any information. 

Since then, I have called their customer service, their fraud department, and their ACH department, and no one is able to find my account or funds. 

My bank, XXXXXXXX XXXX, from the very beginning has confirmed the funds, {$1000.00}, were successfully debited from my savings account by Citizens Bank, and they provided me with the 2 trace numbers Citizens Bank could use to tack the funds. Citizens bank has stated they can not help me. 

The trace numbers are : XXXX # XXXX XXXX # XXXX I appreciate your help as it seems Citizens Bank used the advertising to commit fraud. 

Sincerely, XXXX XXXX
Product: Debt collection

I don't have an account with Jefferson Capital system they just added my account from 6 years ago XXXX of 2018. XXXX was bought out by XXXX and I don't know how this Jefferson Capital is obtaining my information but I do know it's against the law. My power identification number is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate late payment on my report.
Product: Money transfer, virtual currency, or money service

Fraud ansd unauthorized transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/XXXX I was allowed early release from my lease by XXXX at XXXX apartment complex. 
2 ) On XX/XX/XXXX my application for apartment rental at XXXX XXXX XXXX XXXX was declined citing derogatory collections filed on my credit report. I ordered a copy of my credit report and found that Quality Recovery Service ( working with the aforementioned XXXX at XXXX XXXX  ), had recorded debt owed in the amount of {$3300.00}, in error on my credit report. Quality Recovery Service later reduced this amount to {$1400.00} and later to {$330.00}, in an attempt to correct their error. 
3 ) On XX/XX/XXXX I received a copy of a letter from XXXX at XXXX XXXX  addressed to Quality Recovery Service informing them that I " was allowed to move out without termination penalty ''. 
4 ) On XX/XX/XXXX I wrote a letter to Quality Recovery Service asking them to remove the collections from my credit report, which was placed in error, and to send me an invoice from the correct amount owed ( for water bill not yet received at the time of moveout, and prorated rent. ) I indicated in that same letter that I'm will to pay any amount owed, but Quality Recovery Service has refused to removed the {$330.00} from my credit report. 

The problem is that I'm willing to pay this amount but not until they correct their error by removing it from my credit report and billing me! Even after I make the payment, the record on my credit report would only show paid in full, when they should not have placed any amount on my credit report in the first place. I am pleading with CFPB for assistance in getting Quality Recovery Service to first removed the error from my credit report then invoice me for the correct amount and If I refuse to pay, that is only when they should report a delinquency to credit reporting agencies. They can't just reduce the amount of their error, they have to reverse the error and invoice me the correct amount to pay!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with Spring Oaks Capital LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

the car dealership does not abide by the Truth In Lending Act " Determination of Finance Charge ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of ownership of a debit by Penn Credit that reflects on my credit. This was back in XX/XX/2020 after requesting via phone. I did not received anything. I waited and then called again XX/XX/XXXX and spoke to someone who stated they will resend, he could not confirm if my original request was sent out. I went back and fourth explaining this on my credit is hurting my credit and need to just have this resolved. I then decided to pay the amount after being advised if I pay they will send to all 3 credit bureaus showing paid in full and request for it to be removed/deleted form my credit. I advised I only see it reporting on 2 credit bureaus, he stated that's fine as they will send info to all 3 and  ensured it will be removed and would stop hindering my credit, he stated once payment post, 10 to 14 days letter will be sent out to all 3 credit bureaus. It is past the time and I have called and was advised to log in with my zip code and ID # and print out proof of payment and that letters were sent. I have confirmed with all 3 credit bureaus, letter has not been received and they will not remove account until letter has been received from them.
Product: Debt collection

Company is trying to collect 10x the amount owed on a 30 year old debt that I know nothing about. When I got a letter threatening to garnish my wages, I thought it was fraud because I have not shopped at the store it was for in more than 30 years. Then, they garnished my wages without any other attempt to contact me or prove that I owe such a debt. This is very embarrassing trying to explain it to my employer and I feel harassed byt this law firm.
Product: Credit reporting or other personal consumer reports

In addondance with the fair credit Reporting act 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 a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Money transfer, virtual currency, or money service

I have a account with cash app my card is not working I can see my balance I still have money on my account my money came from my unemployment Its been 2 weeks now and nothing have changed
Product: Credit reporting or other personal consumer reports

i paid my XXXX XXXX in full of XXXX $ to the electric company itself on the agreement that they would report it as paid in full with no negative remarks to my credit file which the conversation was recorded by XXXX XXXX can not get experian to help me with it or XXXX XXXX XXXX agent herself took the time to verify that it would be in agreement before we got off the phone.Well i received a negative mark on my credit file as paid in full with a charge off which will not come off for XXXX years now I believe experian went about it in the wrong process and didnt help me one bit.
Product: Bank account or service

1. On XXXX/XXXX/15 I made a deposit by Check to the line of credit account at Wells Fargo in the amount of {$49000.00} using XXXX Bank. 

2. The check was cleared from the XXXX XXXX on XXXX/XXXX/2015 ; However till date the credit is not applied to my line of credit account at Wells Fargo. Now, the money is not available at the XXXX XXXX as well ; since it 's been collected/claimed by Wells Fargo3. Called WellsFargo and they said the {$49000.00} will be available on XXXX/XXXX/2015 which is after a month, I have made a deposit. 

4. WellsFargo will dearly charge me an interest for entire month until the funds are available to my account ; now this is a day light robbery. 

Please help and if possible ; investigate the unfair practice at the wells fargo.
Product: Debt collection

I applied for an XXXX XXXX XXXX XXXX XXXX card a few months ago because the offer was 0 % interest for the first 12 months. I noticed today that I have been being charged interest ever since the card was activated and first purchase made. I called CHASE Bank to inquire as to why, they transferred me to XXXX XXXX XXXX, who confirmed that the XXXX XXXX XXXX XXXX XXXX card DOES come with the 0 % interest for the first 12 months and told me to contact the bank. I told her ( XXXX ) I already did and they transferred me to her. She put me on hold and transferred me to CHASE anyway. CHASE then proceded to tell me that is not true. I wanted to speak to a supervisor. A supervisor got on the call, and was immediately defensive and did not acknowledge that I had JUST been transfered from XXXX who told me this card does carry that 0 % interest for the first 12 months offer. He told me it does not and proceded to berate me. I used fowl language because I was tired of the run around and no one bothered to help me. I told CHASE and XXXX this was a deceiptful practice and that I was going to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting unwanted credit card offers in the mail for my deceased husband. My husband died in XXXX XXXX XXXX, I have contacted Capital One numerous times and they will not stop sending mail to me in my late husbands name. I have moved twice since my husband died, one of those moves was out of state and they keep sending me offers to my new address. Repeatedly. I moved again four months ago and they found me. I have received three separate offers in my deceased husband name in the last three weeks alone. I have asked them more times than I can count to please stop sending mail addressed to my late husband at my address. I have called, returned the offers with the verbiage ( deceased - return to sender on it ) and written letters asking them to cease. They will not stop. I believe I filed a complaint with either you or the FCC back in XXXX requesting help to compel them to stop. It worked for a year, now they are back at it. Please help stop this harassment. 

Thank you, XXXX XXXX