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

Reference # XXXX XXXX XXXX CHARGED MY ACCOUNT XXXX DOLLARS AND I REPORTED TO CHASE AS FRUAD. THEY CHARGED ME XXXX DOLLARS EVERY SIGNLE TRANSCATION, YET CHASE CLOSED MY CLAIM AND SAYING THAT IT IS NOT FRUAD. 

CHASE IS REFUSING TO LOOK INTO THIS AND I'M MISSING XXXX DOLLAR FROM CHASE. 

HOW CAN 50 TRANSCTION WITH XXXX DOLLAR SAME AMOUNT NOT BE FRAUD?
Product: Checking or savings account

XX/XX/ - Deposited {$30000.00} into my Wells Fargo savings acct. Item was drawn on XXXX XXXX. 
Receipt said {$5000.00} would clear overnight, the rest by XXXX. 
When the money didn't clear overnight, I phoned the bank and they said " Refer to maker. '' So I called the branch manager at XXXX XXXX, who was speechless that Wells Fargo would question the validity of one of their checks. 
XX/XX/ - no funds clear, was now told the money would be available on XXXX. Wells Fargo refused to call the branch mgr at XXXX XXXX 
XX/XX/ - was told that the funds might not be available on XXXX, with no indication of when the funds would be available. Person on the phone took down the information regarding the branch mgr at XXXX XXXX. 
I got a text from my brother who also uses Wells Fargo and recd a check for the same amt from XXXX XXXX, at the exact same time ; he said he had no problem retrieving the funds.
Product: Checking or savings account

Complaint Statement Incident Date : Started Early XX/XX/XXXX Summary of Issue : Around the beginning of XX/XX/XXXX, I received a gift from a friend to help with my bills. A few days later, I received a call from Capital One regarding potentially fraudulent activity related to that deposit. I contacted my friend, who followed up and confirmed that, because he didn't have a personal account at XXXX but had a business account, he gave them cash to conduct the deposit, which was pushed through that account. When the accounting department saw the activity, it was reported as fraud. 

I provided Capital One with all the information I had about the transaction. Several days later, when I called them back, I was informed that due to another fraudulent activity the previous month, they were freezing my account. Despite the bank not losing any money and my cooperation in providing information, they froze my account, and no activity was allowed. 

After another few days, I called again and was informed that they would be closing my account. I waited another week and noticed that my direct deposits for the first of XXXX were allowed to go into my account, but none of my autopay transactions were processed. When I called again in anger, I demanded that they close my account and send me my money. They closed my account on XX/XX/XXXX, and two weeks later, on XX/XX/XXXX, I called again and was told that the check was sent out.

However, I never received the check. They promised to reissue the check and said I would receive it in 3-5 business days. As of today, XX/XX/XXXX, I still have not received my check. I have incurred several late fees, and my credit score has been affected. I have tried multiple times to speak with someone at Capital One who can expedite this process, but they never seem to care enough to help. I am now late on my mortgage and many other bills.
Product: Credit reporting or other personal consumer reports

My name is incorrect on my report it should be the same as my state if and social security card my full and whole name no other name or abbreviations this is the only name I go by.it should be on all three credit bureaus the same way. On my on. Address should be on my report I dnt live in two or three locations only one and thats XXXX XXXX XXXX XXXXXXXX XXXX  XXXX no other address should be on my report ( XXXX XXXX XXXX XXXX ) only name should be on all three reports XXXX XXXX XXXX XXXX XXXX is the only address should be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received results of  a 2nd dis pute with Equifax for the same issue and there is no way Equifax verified the account status. Equifax is still reporting the same inaccurate information. Please see attached documentation.
Product: Debt collection

I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of  XXXX   XXXX   XXXX   I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates t hat I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unles s I payer % 50 of what I owed on the phone today. This is the first I ever  heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would imagine this can not be legal.
Product: Debt collection

I received XXXX letters from G.L.A.Collection Company, Incorporated. XXXX XXXX XXXX, XXXX KY XXXX. Dated XX/XX/year> and it shows me XXXX hospital bills that my insurance which is XXXX XXXX XXXX had already paid and is liable for. This bill needs to be sent to my health insurance for it to be paid in full because it is not my obligation to pay it because as I stated before, my Healthcare pays for everything and every service that is and was provided to me and my offspring. Therefore, this debt isn't mine and if want to be paid they need to send the bill to my Healthcare insurance provider XXXX XXXX Healthcare.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 we contacted Chase requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. Chase one months later charged interest to the account, we have no knowledge of the interest charge an employee of the chase should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. Chase should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested chase to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on XXXXhree occasions twice though XXXX and once direct with them and their response has not helped at all.
Product: Debt collection

I have been contacted several times by hrrg trying to collect a debt in the amount of {$1300.00} I have requested specific information from them such as a copy of the original contract with my signature agreeing to pay said debt, a copy of the full payment history from the original creditor, name and address of the original creditor, proof that they now own or have been assigned said debt to collect, and a XXXX release form. I have requested thus information on several occasions and all they send me is an itemized billing statement. In XX/XX/2024 I again requested this information and their customer service representative said they can not provide this information and told me to retain an attorney after I asked them to dismiss this debt or I will file a complaint with the Federal Trade Commission and was informed that they were moving my file to the legal folder.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim Collection/Chargeoff. This is a formal notice that your claim is disputed.

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. 

Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I requested immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I placed an order for {$69.00} with XXXX XXXX XXXX and decided to use my Zip card to place the order. Shortly after placing the order, I changed my mind and decided to cancel it. I contacted the merchant who agreed to issue a full refund to the original payment method. That same day, I went into the Zip app and reported a return on this order. 

The merchant issued a full refund of {$69.00} as promised, but instead of crediting it to the correct order ( the one which I had made the day prior, which was for the exact amount of the refund, and which I reported to Zip I was expecting a refund ), Zip erroneously took the refund and applied it as a partial credit to an order I had placed and completely paid off with the same merchant over 9 months earlier. 

Even though I could see immediately they had credited the incorrect order and informed the CSR of this, it took over 2 hours of chatting with Zip customer service for them to even admit there could be an issue, and they said they would investigate it. Then, several weeks later, they finally acknowledged via email they had made an error, but said there was nothing they could do about it. 

This is outrageous. Zip claims the refunds they issued went to a card ending in XXXX, but I closed that card/account in XX/XX/2022 and the company who issued that card says that it is impossible that a refund was posted to a closed account, and they do not have the money. In the meantime, Zip continues to bill me for an order I canceled and never got anything for. To make matters worse, Zip is collecting their {$1.00} per payment fee for this order which should have been refunded/cancelled weeks ago. 

I also asked the Zip CSR repeatedly how I can avoid this problem in the future, as I FREQUENTLY use zip at the same couple of merchants, and I want returns to be credited to the correct Zip order. The Zip CSR claims that this is the merchants fault for not crediting the correct order number. This is obviously false informationthe merchant is unaffiliated with Zip and simply issues a credit to a XXXX card on their end. They have no way to know what my Zip order number is, or communicate to Zip which order number a credit should be applied to. Zip is the one who takes that credit and determines which Zip order it should go to. Zip is the one who caused this error and refuses to make it right. I did not receive a satisfactory response to this question, even though I thought I did everything right in terms of reporting my return in the Zip app.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, under the Debt Bondage Repair Act. I am writing to request The following accounts reported with Transunion, XXXX and experience be blocked from reporting. 

XXXX XXXX XXXX ; Acct : XXXX XXXX XXXX  ; Acct : XXXX XXXX XXXX XXXX  ; Acct : XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX ; Acct : XXXX XXXX ; Acct : XXXX XXXX XXXX  ; Acct : XXXX
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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.

15 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: Mortgage

I was sold a predatory sub-prime loan in XX/XX/XXXX by XXXX Loans. I had a 80 % XXXX mortgage and a 20 % XXXX and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my XXXX and XXXX loans were discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX. I kept making the payments on the XXXX mortgage to XXXX XXXX XXXX and I am still current. However the second loan was sold by XXXX to XXXX Loans in XX/XX/XXXX, and shortly thereafter XXXX assigned the servicing of the loan to Real Time Resolutions. Now I have been attempting to obtain a refinance on the first loan but the lender and the title company can not clear title because the second deed of trust is still recorded in the name of XXXX, which was a subsidiary of XXXX. but is no longer in business. I engaged a lawyer to submit a Qualified Written Request to Real Time Resolutions who claims to have legal ownership of the second deed of trust. I asked RTR to provide evidence that they own the second deed of trust but they failed to provide that evidence in response to our QWR.
Product: Checking or savings account

Citibank almost XXXX  months ago reversed a XXXX transaction I received for something I sold. A day later they tell me my account is being closed. I try to explain to them that I was scammed because I sold something thinking XXXX was irefundable. Despite that they closed my account, failed to allow me to dispute those fraudulent XXXX transactions and have not mailed me over $ XXXX in funds In almost XXXX months
Product: Vehicle loan or lease

On XX/XX/XXXX I called XXXX XXXX XXXX located in XXXX NY to find out how I would handle the lease end during Covid19, my lease was expiring on XX/XX/2020. 
I was advised by the Sales Manager XXXX that I could turn my lease in early with no penalties and that I could smoothly transition into a new lease without owning the last 2 months of payments. The car was delivered and we exchanged cars on XX/XX/2020. 
I received numerous letters from Kia Finance ( will attach in other section ), every time i received a letter stating that i had a balance due because of early lease termination I was advised by XXXX the sales manager that I should ignore them because the dealership cut a check and the account was closed and the vehicle was being picked up by Kia XXXX. One the last letters that I received stated that I owed XXXX XXXX called kia Fianance to dispute this and he was told that this money was owed because the lease was turned in early. XXXX told them Kia Fiance offered an early termination deal with no penalties and that I idid not owe the money. I was later advised by Mr XXXX ( owner of dealership ) that Kia Finance was incorrect with their statement and this money was owed due to a mileage overage, which XXXX also told me I would not be responsible for being over the mileage because i was " family '' and a repeat customer. 
XXXX said not to worry, he would straighten this out, and then i later found out he was no longer employed, the owner Mr XXXX would not help fix things, instead he gave me a credit of XXXX to purchase items from the dealership. I ended up paying the XXXX to Kia Finance in XXXX, I was told I would receive a paid in full receipt that i could submit to the credit agencies within 10 business days, originally i was told that they would email me the receipt, in calling back other times, I was told they could not honor that because of security reasons and working from home to due COVID, I was incorrectly advised and I was assured the receipt was being put in the mail, to date i still do not have it, I have called many times with no satisfaction. I was then contacted by my credit card company XXXX they were notified by XXXX XXXX and XXXX  of this delinquent payment which resulted in my accounts being frozen and ruining my credit. I feel the actions of Kia Finance are fraudulent along with the 3 credit agencies I mentioned above, one of the attachments clearly shows the account being paid off and closed out, and I never made a late payment. I need to have the 2 late payments expunged from my credit reports. I will never do business with the XXXX dealership again, I got a major run around, I am in the process of trying to relocate and obtain a mortgage and I was advised that I can not until this issue is resolved.
Product: Credit card

I am currently unable to transfer points to any transfer partners through Capital One. I have a VentureX credit card. 

I am able to get into my account with 2 factor authentication through text. I then go to my rewards, click on " Convert Rewards '', and then as it says my phone number is " not a point of contact '' even though it's always been the same phone number on my account. I am not even offered a different option for verification, as it prompts me to call customer service at XXXX. After over an hour talk, I am still unable to complete this, get a code, and make it work. 

I have called all week and no resolution other than we are working on it. They assured me this was not an issue with my device but something across the board. No solution, voucher, or any other remedy were provided for me. They are withholding my assets against my will, with no help or resolution. I'm asking to please step in and help me on this matter.
Product: Credit card

Citi cancelled my card because i 'm not using it, and Citi now requires me to call them to get my awards, but they wo n't answer their 24/7 number for retrieving awards. I had stopped using their card because it was useless. I have been a cardholder for more than a decade. My account was fully paid. They appear to want to deny me the ability to claim my awards. Can you help? 

I sent them an e-mail saying that I would report them in 24 hours, but since they claim to be 24/7 and I have n't heard from them, it made sense to go ahead and let you know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun reported again to my credit report an account opened in 2016 resulted in an identity theft. I disputed that account several times with the credit bureaus and the credit bureaus removed the fraudulent account from my credit report and Oportun reports this fraudulent account again and again. This company should be investigated for ilegal and oppressive collection practices. 

Account listed in my credit report XXXX
Product: Debt collection

Dear Sir or Maam : This letter is to file an official complaint about a law firm by the name of Rausch, Sturm, a debt collections firm out of XXXX, WI. In XX/XX/2018, I entered into a payment agreement with Rausch, Sturm when they were retained by XXXX to collect a debt I incurred when I bought furniture from them a few years ago. XXXX refused to assist me with a temporary reduction in payments when I lost my job a few months later at which point they turned me over to Rausch, Sturm. 

From the beginning of my arrangement with Rausch, Sturm, my  account has been mishandled numerous times and I believe they are in breach of a contract that I have with them. 

Since my agreement has been in place, I have made my payments as I was supposed to. Rausch, Sturm was expected to process my payments and apply them to the balance each month. Instead, my account has been closed without explanation numerous times, payments have not been processed and or applied, and I can never get a straight answer out of anyone when I ask for reasons why my account is being mishandled. The response is typically one that leads me to believe they are working on finding a resolution or reason but to date, I have not received any kind of explanation for why my case is being handled this way. 

It seems as though Rausch, Sturm is trying to set me up to fail to meet the agree arrangements so they can then take me to court for failing to uphold my end of the agreement, as was their original intent before I contacted them to set up a payment plan. 

In addition, this account has been turned over to other law firms ( by XXXX 's - the original creditor ) - in spite of me being in an agreement with this other law firm. My understanding is a company can NOT collect twice on the same account using different collection agencies. XXXX 's also should be named in the unethical practice complaint as well for this and the initial occurrence that led to them turning me over to an attorney 's office. When I lost my job several months after I purchased to furniture from them I called to make arrangements for a temporary reduced payment until I could afford to pay the full payment. Being a single mom and a XXXX I was unable to make the full payment. When I explained my situation to the representative named XXXX he told me if I didn't make the full payment I may as well not pay anything at all because a partial payment would not do me any good and they would reject it. I tried anyhow and they rejected my payments. SO I stopped trying then was hit with legal papers several months later. The agreement I entered into with Rausch, Sturm is the pre-hearing/pre-judgement agreement that kept me form incurring additional court fees that I do not have the funds for. 

I have attached supporting documentation for your convenience. Should you need additional information, please feel free to contact me by phone or by email. I appreciate your time and consideration, and thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>