23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at XXXX. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from XXXX XXXX XXXX or Bursey & Associates. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact Bursey & Associates for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by Bank of America to  XXXX XXXX XXXX on XX/XX/XXXX. Then from XXXX XXXX to XXXX XXXX XXXX and then to Bursey & Associates. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.
Product: Debt collection

I have never entered into any business relationship or agreement with this third-party collection agency. 
The alleged debt they are attempting to collect is unfamiliar to me and does not appear to be valid. 
I have not received sufficient documentation or verification of this debt despite requesting it ( if applicable ).
Product: Money transfer, virtual currency, or money service

I sent {$600.00} via Zelle to a seller for XXXX tickets. The money was withdrawn from my bank account. The seller will not provide me with the tickets and will not refund my money. This was a scam, and Zelle will not reimburse me for this scam even though I have documented messages between myself and the seller requesting that the transaction be cancelled and my money refunded.
Product: Payday loan, title loan, or personal loan

I made this loan, this loan included XXXX XXXXXXXX coverage, I told Representative [ Not ] to include XXXX XXXX coverage because I receive XXXX XXXX XXXX and Im a XXXX XXXX  XXXX Veteran, to-date No XXXX  XXXX payments have been applied under XXXX Contract, I dont owe a dime on this contract. I XXXX XXXX XXXX XXXX I gavXXXX XXXX XXXX  a copy of my Social Security & VA Awards LETTERS when applying for this industrial loan. Again I dont owe a penny on this account if XXXX XXXX never applied XXXX XXXX payments to this account.
Product: Credit card or prepaid card

Upon signing up for the First Progress card and logging in for the first time, I became aware that payments could not be processed through the card 's online portal and that First Progress requires payments to be submitted via check ( or Bill Pay through another financial institution ). This has been a major inconvenience that was not disclosed prior to signing up for the secured credit card, but as I was attempting to build my credit I did not want to close the card and continued using it. 

On XX/XX/XXXX I logged on to the card 's website to check my balance in hopes of paying of the entire balance of the card to find that First Progress had begun accepting online payments through their website. I submitted my account and routing number and made a payment for the full statement balance and I received a confirmation number at the time it was submitted. A message at the top of the screen showed the payment received. 

On XX/XX/XXXX I received a notification from a Credit monitoring app ( XXXX XXXX ) that First Progress had marked my account as delinquent. Upon logging into the account I could still see the message stating that a payment had been received on XX/XX/XXXX, however, the payment had not yet been drafted from my account ( I use a checking account solely for credit card payments and the entire balance of {$340.00} was still present in the account ). I disputed the charge with the credit bureaus as I had paid the account in full, had a confirmation for the payment, and in addition, First Progress had added a finance charge to the balance of {$340.00}, increasing my balance to {$350.00}. 

First Progress does not have any language that I was able to locate on their website about the timing of payments submitted through the " Make a payment '' feature of their website, therefore it would be impossible to know that a payment submitted on XX/XX/XXXX would not be processed by the due date ( the XXXX of each month ). 

I have continued to monitor my First Progress account and personal checking account and upon logging in today, noticed that the payment I submitted has disappeared completely from their website. There is no longer a confirmation message/number at the top of the screen, the payment was never drafted from my account, and there is no evidence that a payment was ever submitted on my part. I do understand that it's possible the payment was not successful ( perhaps a computational error of some sort ) but I was not notified in any way of a failed payment. I do have a screenshot from XX/XX/XXXX showing the messaging on their website confirming this payment was " received '' Obviously my first course of action would be to contact First Progress to remedy this. Upon trying to contact First Progress today to rectify this issue ( determine why the payment was never processed, how to pay off the balance of the account, ensure I am not charged a late fee, and close it completely ) the phone number fails to connect. I am hesitant to submit an additional payment and also fear that my credit will be further impacted by this gross error.
Product: Debt collection

In XX/XX/XXXX a rep from Aqua Finance , Inc came to my new wife and I and sold us a water treatment system for a house in XXXX but after the system was installed their rep returned and informed us that because of a recent bankruptcy from XX/XX/XXXX, that there was a problem with the loan and that my now ex-wife would have to file for the loan by herself which she did, but since they are unable to collect from her they are using the 1st contract that they denied with me as part of it to collect from me. I have asked them to send me prove a approved loan in the form of a invoice which they have yet to do all the send is a copy of the 1st contract. I made a complaint to the XXXX and even in their answer they state that " Numerous conversations were had between me and them and that I even made a payment via a credit/debit card on XX/XX/XXXX '' which if further looked into we find that all were made by the true owner of the loan my ex-wife ... .to which I have been divorced since XX/XX/XXXX and that I had moved back to XXXX  also in XX/XX/XXXX..I also have been on XXXX since XX/XX/XXXX and on XXXX  since XX/XX/XXXX ... I have never claimed this loan and persist that again the 1st contact was denied, which is their only proof and which I believe has to be illegal to do.
Product: Credit reporting or other personal consumer reports

Fraudulent Debt : XXXX XXXX Opened XX/XX/year> {$26000.00} My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Delete immediately
Product: Checking or savings account

Offending institution : US Bank There are two separate instances where I was charged a monthly fee where I do not believe I was fairly charged. 

Incident 1 : On XXXX XXXX, XXXX, I was charged {$10.00} for my account. I had, for the four years prior, always met the requirements to have the monthly fee waived. Without notice or warning, the conditions to have the monthly fee waived were changed for the XXXX XXXX XXXX. I changed nothing in terms of amounts deposited or average activity from the months prior. I discussed at the branch nearest me, and they recommended I open a credit card to have the fee waived. I declined to do so and requested my account be downgraded to the XXXX XXXX XXXX. Per the bank 's website, monthly direct deposits of {$1000.00} or more will result in the fee being waived. 

I have XXXX monthly direct deposits in excess of {$1000.00} each month, so I assumed my change would make the problem go away. 

Incident 2 : On XXXX XXXX, XXXX, I was again charged for my account. This charge was the {$6.00} charge for the XXXX XXXX XXXX. I discussed the fee at the same branch where I made the account change today ( XXXX/XXXX/XXXX ). They do not know why I was charged the fee. When asked to refund the fee, they said that they could not.
Product: Checking or savings account

My Mother,,  XXXX   XXXX   XXXX  passed on   XXXX   XXXX   XXXX  . At the time of her death, she had a checking account and a money market account with  Wells Fargo . She  di8d h er banking at the  XXXX , North Carolina Office.   I am the co executrices of my Mother 's estate, and I have attached the documents for you to have.   The account number for my Mother 's account is: XXXX  Before  Wells Fargo  took over  Wachovia,   her account number was: XXXX    My Mother always told me, my brother and I were the PODs on her accounts with   Wells Fargo.
Upon, my Mother 's passing it   was discovered my brother was the joint owner of the account as well as he and I were porth listed as PODs. I fail to understand how you can be a joint owner and a POD.   I requested the attorney 's office to get documentation from Wells-Fargo. The attorney 's office was faxed  six ( 6 )  forms with the following dates :  XX/XX/XXXX    XXXX    XX/XX/XXXX    XX/XX/XXXX    XX/XX/XXXX  and a letter from Ms.   XXXX   XXXX  , Regional Private Banker stating the following : " I realize there was some confusion with Mrs.  XXXX  failing to sign onone of the spaces on the signature card, and there being additional beneficiaries listed. " etc. I have attached the letter for you to see.   I called Ms.  XXXX  at  Wells Fargo  in  XXXX  asking her for ALL the documentation concerning my Mother 's account. She hung up on me.   With that having happened, I called the  Wells Fargo  Bank in  XXXX , NC. ( I live in  XXXX , North Carolina, and asked one of the personal bankers to please get me the documentation 's for my Mother 's Account. I went down to the bank and took him a cope of the Co Executrices information in order for me to obtain this information. He was very helpful and in a couple of days, he gave me  nineteen ( 19 )  pages. I studied them very carefully and came up with many questions about the forms.  One  of which is : on the Consumer Account Application, my Mother signed  one  page, and on the third page she only signed "  XXXX   XXXX   XXXX  '' in the blocked for the customer 's signature. Why was this not corrected was  one  of my questions to him. His answer " oh that how they sometimes do things. " .The date for this action was  XX/XX/XXXX . On the " Relationship Change Application dated  XX/XX/XXXX  she and my brother both signed the forms. Then on on  XX/XX/XXXX , on another " Relationship Change Application on she, my Mother signed the forms, with PODs being added.   I am totally at a lost about all the items not done on the forms and with the answers that  Wells Fargo  has given me- '' Oh that 's just how they sometimes do it. '' That answer makes NO SENSE to me!
Product: Debt collection

They had me served at a bogus address so they would win by default they garnished me repeatedly without me noticing. Refuse to send me a statement refuse to tell me how much money they have received or is owed, refuse to notify court & credit bureaus that they have been paid. They also garnished the corporation 's bank account that I am a member in not my personal account not my money. I had no knowledge of this debt never received a bill the hospital failed to bill me or my insurance. I found out about this when I had my identity stolen i found it on my credit report and called them.
Product: Vehicle loan or lease

My XXXX XXXX XXXX XXXX XXXX was totaled in a non fault accident on XX/XX/XXXX. The vehicle was a lease. Chrysler received {$31000.00} from my insurance carrier on XX/XX/XXXX. 
The payoff on my XXXX was only {$20000.00}. Both XXXX & Chrysler told me the overages are equity since the value of the car was paid & would therefore be paid to me along with my XXXX & XXXX car payment that I made after the car was deemed totaled. 
To date, I still do not have any of this money. 
They wanted my bank statements showing I paid my monthly payments even though they were posted & cleared on my account. The insurance money, they said they were holding for 45-60 days. 
After many phone calls & lots of fighting Chrysler said they issued me two checks on XX/XX/XXXX. One check for {$240.00} for my XXXX car payment & the second check for {$10000.00} for the insurance overages. They sent the checks to my mom at an old address. My mom is a co-signer on the account but I pay for the vehicle & they have my correct address & information. 
I was not informed that the checks were not sent directly to me nor was I informed that they received the checks back in return mail. I found out when I called them on XX/XX/XXXX to check the status of the check processing. 
On XX/XX/XXXX they assured me the address was updated & the checks would be reissued with in 72 hours. As of today, still no checks. 
I called Chrysler again tonight. I was hung up on. Transferred several times to be told that they can not tell me the exact date the checks were reissued or what address they were reissued to. They told me they would email the accounting department & I can call them back Thursday. 
This is whole situation is completely unacceptable! I have made countless phone calls to Chrysler since XXXX. I have been given misinformation & lied to several times. 
I need my insurance money to get another vehicle. I still do not have a car after 4 months. Chrysler also still hasn't issued me my XXXX car payment. I don't know what to do at this point.
Product: Credit reporting or other personal consumer reports

I noticed that certain items are incorrect and need to be updated or deleted. XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX XXXX  Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX XXXX Balanced {$0.00} This account is inaccurate please delete. XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I'm reaching out in reference to the 3 major Credit Reporting Agencies who've been treating me with unfairness. I've contacted XXXX, XXXX and Experian in writing as well as over the phone and requested that XXXX, Experian and XXXX do an investigation on the hard inquires that furnishing my credit report, because they may be violating several laws that the federal law protects me against. XXXX, Experian and XXXX are in violation of : 1. Civil Liability for Willful Noncompliance ( 15 U.S Code 1681n ) 2. Exclusions 15 U.S Code 1681a ( 2 ) The Federal law is above all laws and these 3 credit bureaus refused to comply with the law. Having these hard inquiries on my credit report has been stopping me from getting approved for housing for my XXXX children and me. I'm suffering from XXXX and XXXX because of my consumer report that's reporting transactions that I have the right of privacy to as well as transactions I never have consent to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can't get housing for my kids because of the hard inquires furnishing my credit report. I want to get this matter taking care of, and if it doesn't, I'll will go public and publish my book explaining how XXXX XXXX XXXX XXXX because of the credit bureaus acts of unfairness. Listed below is the hard inquires that's furnishing my credit report. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Checking or savings account

Capital One restricted my account because they said my ssn is invalid. I had already verified my ssn with them once before. They refuse to let me withdraw my money out of the account. I have XXXX in the account I asked them to close the account because I didn't want to deal with the extra hassle. They refuse to send me the money in a timely form.
Product: Credit card or prepaid card

Happy to send along credit card statements emailed to me : Upon receiving the email/link to pay credit card monthly I had a credit statement paid twice on the same bill. This resulted in me requesting a return of the second payment. BOTH payments were equal to or greater than the bill statement for that month. They took up to 10 days to return it to my account. Consider ETF take no more than 24hours to the payment company request. 
My next statement show a credit of {$54.00}, upon calling to confirm this amount and there was NO DUE balance within this credit cycle thus no payment due at due date payment. Next, I get an email stating my account is past due. They had changed the balance of the statement outside the statement cycle. Then proceeded to file a late payment notice, and in interest charge when the bill clearly showed no payment due until the next billing cycle. They had changed the card balance outside the billing cycle. Then, even after I paid the full balance based on the email/statement they then sent another finance charge on what they stated was unpaid balance. This Capitol One Visa card was always balance paid in full based on billing cycle rotation. NEVER EVER late. I am furious with this inconsistent, accounting practice this credit card company as gotten away with. I expect a solution to their changing billing statements due outside the original billing cycle. Then, not alerting the customer as soon as these changes are made so I can cover it, instead waiting till the next billing cycle and showing late payment inside the 30 payment cycle. FIX THIS FRAUD.
Product: Checking or savings account

On multiple occasions Ive gone to deposit cash into my account via XXXX CT and XXXX CT KeyBank branches ATM. Both occasions my money was eaten by the ATM. I called customer support and theyve said I wont see my money for 10 business days, causing an overdraft fee to my account. I was told to not deposit over {$100.00} cash into my account to avoid risk of losing it, the last I checked this was a bank backed by the FDIC and I should never face risk depositing {$100.00} into my account.
Product: Credit card or prepaid card

I had my credit card stolen, the capital one closed my account and they are trying to change me all the money spent. I did XXXX of payment and it never was deducted in my credit card amount.