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

On XX/XX/XXXX, I initiated an international wire transfer from my Chase online banking and due to a mistake on the recipient 's information, the transactions was rejected by the receiving bank, within the same day. 

+1business day - I contacted Chase next day XX/XX/XXXX, and they informed not seeing the transaction being rejected yet. 

+2business days - By XX/XX/XXXX the funds were still not credited back to my bank account from where I initiated the wire, so I contacted Chase again and they informed that they still had no notification of the rejection. 

+3business days - On XX/XX/XXXX Chase informed seeing the rejection on their system, but pending some details from the intermediary bank- XXXX XXXX XXXX about where to credit the funds back. I also contacted XXXX but they did not support me as I'm not customer of them. 

+4business days - On XX/XX/XXXX Chase informed that they were still pending response from the bank, but changed the argument that it was not the intermediary bank but the receiving bank in XXXX XXXX The transaction beneficiary contacted the bank in XXXX, and obtained screenshots from the XXXX system in which they probed to have responded to Chase on XX/XX/XXXX. The call was escalated to a supervisor, who did not provided any further support than the analyst. 

+5business days - On XX/XX/XXXX ( day of filling this claim ) Chase informed that they did receive confirmation from the receiving bank, on the day before ( being the case the receiving bank probed they responded way earlier ) but that it would take another XXXX business days to finalize the " investigation '' and credit the funds back to my bank account. 

At this point, the funds have not been credited to my bank account yet and the bank is not assuming any responsibility. This is totally unacceptable and a rejected wire transfer shouldn't take that excessive amount of time to be refunds. Chase has the funds since XX/XX/XXXX and they are illegaly retain customer 's funds.
Product: Money transfer, virtual currency, or money service

OnXX/XX/2021I was notified by PayPal that they we no longer offering services to me as I had violated one of their regulations. I had no idea I was in any violation, they accepted payments for goods I sold, made me ship and wait on confirmation of delivery, wait an additional 24 hours, then found another excuse to hold my funds. They have permanently suspended my account. There is over {$640.00} in the account that they are not releasing. Their exact words were to do what I have to do to collect my funds. I have no access to the funds, the product has all been shipped out and received and now I have no funds for the product. I am reaching out to you guys to aid in coming to a resolution.
Product: Credit card or prepaid card

XXXX  charged my card twice without my authorization, first charge XXXX and XXXX..i have disputed this with capital one and they credit my credit card and then 90 days they re billed me for the same charges, i told them over and over that i did not authorize this charge and they refuse to credit my credit ... .this is unethical ... .i did not authorize the charge, and i did not receive any merchandise as well ... i want those charges refunded back to my credit card ... they sent me a bill from XXXX and the bill did not have my name on it and did not have my address on that bill, so i do not know why they refused to adjust my account correctly
Product: Debt collection

Debt was removed from credit score around XXXX of XXXX. Still receiving calls as of XX/XX/XXXX.
Product: Debt collection

" XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX account with paypal that where locked on XXXX. I was able to take my money out of the one that is XXXX but now Im unable to close the account. I want it to be closed but they say its limited. 
XXXX is the one that has money it it and it is still being blocked. And limited way after the 180 days have been up. They are blocking every attempt I make to withdraw my funds and close my account. I want nothing to do with paypal and for some reason I can not do anything not even log into my account anymore. Why are they forcing me to keep accounts open and refusing to close them. And why am I still not able to receive my funds i just want my accounts CLOSED not permanently limited I need them CLOSED and my money withdrawn. They block all my purchase attempts.
Product: Mortgage

XXXX years ago we requested that our two separate parcels that our house sits on be combined under one for property tax and homestead purposes. Finally at the end of XXXX  they agreed to go back 3 years and combine and then reassess and determine taxes. Money was refunded and sent back and moved around. I have contacted the Chase Tax Team since then and several time there after to discuss this because I know that anything showing that is owed would come from my escrow account. I have been in touch with the County taxing authorities as they have been delayed in fixing the accounts. I have been involved with this on a daily basis just trying to get them to fix the accounts. Yesterday Chase depleted my escrow account to pay the taxing authorities without contacting me or reading my previous notes in my file. The tax authorities are not finished. With this depletion and any end in site, my payment will double and I will not be able to afford my mortgage. I spoke to Chase Tax Team and they have the authority to do and pay whatever they want if the tax office posts that I am past due.
Product: Checking or savings account

Claim XXXX was wrongfully closed and the bank conducted a bad faith investigation I did not give permission for this transaction to be completed reverse transaction or I will file arbitration under the account agreement.
Product: Credit card

My credit card application with Synchrony Bank ( Website : XXXX XXXX XXXX  ) was denied with no explanation. Called Synchrony and the first rep said it was denied because I also had a credit card application pending with Synchronicity for a different retailer ( XXXX XXXX ), and they could help fix that if I went back to the store and had them re-input the application. 

Went to Lowe 's store and they re-input the application- which wad denied again by Synchronicity, no explanation. 

Called Synchrony again and spoke to supervisor, who could not explain why it was denied. I explained to the supervisor that have perfect credit - XXXX XXXXXXXX, own my home, virtually no debt at all, never bankrupt or defaulted on a loan, never made a late payment, net worth close to {>= $1,000,000} - and asked what to do. She said there's nothing that can be done. I asked if it was because of the XXXX XXXX application, which is still pending, and she said again that she didn't know why it was denied and could not help. - the supervisor claimed the system auto-denied my application for unknown reasons.

So, Synchrony Bank : 1. Improperly denied credit, apparently due to their error. ( application for different retailer pending ) 2. Provided incorrect, intentionally false, and conflicting information to me about the denial and how it could be remedied.

3. Has no complaint process, no appeal process, no remedy for credit denials. 
4. Incorrectly told me to re-apply 4 times, resulting in 4 more credit denials and possible damage to my PERFECT credit rating.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX # XXXX Account Name : XXXX  # XXXX  Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Company name : Caine & Weiner Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caine & Weiner Inc. is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows late payments to XXXX XXXX XXXX XXXX  XXXX & XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

This is my 12th requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being XXXX XXXX XXXX XXXX XXXX, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX have 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

On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim.
Product: Checking or savings account

On XX/XX/2021, I used the bank ATM to deposit some checks into my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The ATM gave me an error message and then printed out a number that I would need to call. I went inside and the bank teller informed me that they could not do anything and that I would need to call the provided number. When I was finally able to reach and agent they informed me that they would need XXXX weeks to resolve the issue. Once the XXXX weeks passed I called back and the agent on the phone said that they would need another XXXX days and that went on for another XXXX weeks. I went back to the actual bank and the teller that helped me on the day the incident occurred and she gave me a copy of a document that lists out all of the checks that the ATM technician removed to the machine that were not deposited into my account. I once again tried calling the customer service line and the agent told me that they were going to close the case as there was no proof of the incident, even though I have the missing check information with me. It has been more than a month there still is no clear resolution to this issue.
Product: Bank account or service

Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Bank Of America to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an " MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Convergent Outsourcing, Inc. sent a collection letter to me for a debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

XX/XX/XXXX I went to the emergency room! I had Insurance. Just on XX/XX/XXXX i was notified about medical bill. So i called my Insurance XXXX that i had at the time and asked them about why my bill wasnt paid. The lady stated that the explanation she seen on file was the file wasnt claimed by the deadline