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

It first started with XXXX I was selling some of my personal guns and ammunition during the last pandemic back in XXXX XXXX needed the money, and gun and ammo prices were high because of shortage.All my sales were legal and every gun was sold through an XXXX dealer as the law states and not directly to individuals. one of XXXX acceptable payments was Paypal. So i made some transactions through Paypal at the customers 's request, transactions were going smoothly at first the i receive some email from Paypal asking more details about transactions, stating that it was standard procedure because i was still a new seller, asking me about products details and tracking numbers stating that it was also to guarantee buyer 's rights. Then the surprise me with a temporary freeze of my account until i answer some of their questions and provide them with proof of sale and proof of purchase and also tracking numbers with XXXX. after my full compliant they unfroze my account and i continued selling. Until the decided to permenantly terminate my account and hold my money for 180 Day claiming to make sure no buyers complain on my products and transactions. Which no one ever did and i have a great rating on XXXX. I waited and waited, calling Paypal every now and then with no direct answers to my question of what happened to my money. 180 days minus 4 days i call and descovered that my balanced was XXXX. My balance was XXXX $ and they confiscated the whole amount. i was really struck by a lightning then. their answer was that i violated their policy term and i owed them all my balance. to begin with, i sold my personal belongings to get some financial stability during the bad times we passed through. they took all my money. Well not took but stole my money. 
Thank you for Understanding.
Product: Credit card or prepaid card

I am writing this complaint regarding dispute number : XXXX for {$440.00} made on XX/XX/2023 ; the ATM did not dispense any cash when I tried to withdraw funds. I called on XX/XX/XXXX to file a dispute regarding the issue. I was given a timeframe of 45 calendar days, however, the dispute was closed on XX/XX/XXXX! I called Chime immediately to discuss the reason why my claim was closed so quickly without a thorough investigation- and the representative couldn't provide me with anything namely as to how this decision was reached. He told me was going to be sending the " documentation via email that the disputes team used to reach their decision within 10 business days ... '' I asked him why would it take 10 business days to send me documentation? And he said because they have to " verify the accuracy of the documents before sending them to me. '' That literally contradicts what he initially said - you don't need 10 business days to verify anything if that was already done ( or should've been done ) to adequately investigate my claim. So, the disputes team literally closed my claim within 24 hours ( by the way I've been using banks for years, I have never had an ATM withdrawal claim closed in 24 hours, it takes weeks to investigate this stuff ). I am positive my claim was denied merely because Chime didn't want to pay it! By law, they are responsible for protecting my account and refunding money that was debited if an ATM malfunctions, for fraudulent transactions, ect.
Product: Checking or savings account

I had a Business Checking Account with Chase Bank. I changed the name of my business with the Texas Secretary of State. Chase was unable to process the name change after 2 in-person meetings and closed my account and issued a check in the old business name that no longer exists. Below is the timeline of events, I am still trying to recover the missing funds : XX/XX/2023 at XXXX XXXX PT : In-person meeting at XXXX XXXX , XXXX XXXX XXXX , XXXX, CA. I provided certificate of amendment for name change. Name was successfully updated on online accounts. I am told name change is complete. 

XX/XX/2023 : I receive automated e-mail " Contact us by XX/XX/2023, to keep your account ( s ) open ''. Chase does not seem to have fully processed the name change from our previous meeting. 

XX/XX/2023 at XXXX XXXX CT : In-person meeting at XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, TX. I provided the amendment documents for a 2nd time. I was told the new business name had successfully been updated. 

XX/XX/2023 : I receive a check in the mail and notice that my account has been automatically closed. Check is issued in the old business name and I can't deposit it ( since the entity no longer exists ). 

XX/XX/2023 : I meet with Branch Manager to try and resolve the issue with my account and the check that can't be deposited since it is issued in old business name. After spending 1-hour in the branch with no progress, I inform them I would like to close accounts and request for a new check to be issued in the correct business name or my personal name. Branch Manager promises me check will be issued. I have an e-mail documenting this. 

XX/XX/2023 : I still have not received funds. I e-mail the Branch Manager asking for update. 

XX/XX/2023 : I contact Branch Complaint Escalation Group Re : internal Case Number XXXX. 

XX/XX/2023 : I e-mail Branch Manager again, and I receive a response from Branch Manager saying they are " working diligently to get this taken care of. '' I am promised an update on XX/XX/2023. 

XX/XX/2023 : No update. 

XX/XX/2023 : I drive to branch to attempt to speak with Branch Manager in person. I am told she is busy. At XXXX XXXX I receive an e-mail from Branch Manager requesting name change amendment documents ( for the 4th time ). I submit via e-mail. 

XX/XX/2023. I am still missing funds from liquidated account and file complaint with CFPB.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXXXXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for abusing and unfairly manipulating my credit report. My credit score was at XXXX at XX/XX/year>. Less than month later, XXXX decided to arbitrarily drop my score to XXXX points to XXXX for no reason : no late pay, no collection, no lien ect. I had {$17000.00} credit line and because I used 40 % of my credit line, they arbitrarily caused damages to my credit and have caused an approved loan at XXXX score to be declined. What is the point of having credit if not used? Why am I being penalized for using my credit by lowering my score?
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 60 days 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my consumer report with LexisNexis Risk Solutions. The following discrepancies need to be investigated and corrected : Identification Records : Remove all name variations except " XXXX XXXX. '' Address Variations : Remove all addresses except " XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. '' Phone Number Variations : Remove all phone numbers except " ( XXXX ) XXXX. '' Address Characteristic Record : Remove incorrect or irrelevant addresses. 

XXXX XXXX XXXX : Correct business name to " XXXX XXXX XXXX XXXX '' and address to " XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. '' Professional License Records : Remove erroneous professional licenses from Florida and California. 

Insurance Policy Records : Remove automobile insurance records from XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX : Remove claims associated with a XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX : Remove inaccurate records linked to XXXX XXXX XXXX and XXXX XXXX XXXX. 

Driver License Records : Remove records referencing " XXXX XXXX XXXX. '' Inquiry Records : Remove unauthorized and incorrect inquiry records. 

In accordance with the Fair Credit Reporting Act, I request an investigation and immediate correction. Please provide evidence of the investigation and documentation verifying or disputing the information. I also request written confirmation once the corrections are made and a copy of my corrected file. 

If these issues are not resolved within the required timeframe, I will pursue legal action under the FCRA. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I had issue with Bank of America last week XX/XX/2022. 
I sent {$2000.00} to a wrong number by mistake. I called the Bank of America number immediately after I realized its a wrong number. 
After 2 hours of waiting, someone picked up my call and said they cant do anything at that moment and suggested me to call back on Monday. So I called back again, they filed a claim for the case eventually. 
And yesterday, they sent me an email saying they cant approve my case, because they cant reach that person. 
So basically I lost {$2000.00}. I informed Bank of America a couple hours that transfer was made. And also, the name of the person provided at the transaction doesnt even match with the number of that account. I am very surprised that the transaction even went through. 
I dont know why Bank of America made that decision. So I called the bank again this morning ( XX/XX/2022 ), the person said she is the manager of the dispute team, send she basically emphasize the decision has been made, there is nothing the bank can do right now. After over 11 years of being Royal customer, I felt really terrible the way they handle my case. 
And also, on top of that, on the same date, XX/XX/XXXX, I went to the bank store also since I was on the phone for like 2 hours. The associate basically said there is nothing they can do, and only ask me to stay on the phone and wait for the next available representative.
Product: Student loan

I found my students loans were put into deferment when I did not intend this. I called XXXX to discuss and ensure I was able to protect my PSLF status as due to the deferment, my autopay on XX/XX/26 did not get take from my account. I was told on XXXX that the only way to remove deferment was a formal letter uploaded and it would take XXXX business days to process. I inquired about my PSLF status and payment for XXXX and was told to hold while she spoke with a supervisor. When she returned she stated that once out of deferment, I could make a payment that would count toward XXXX. I asked if she would note that specifically in my account and she agreed. I uploaded my letter. I called back XXXX to inquire about the status of my loans still being in deferment. I was told that it takes XXXX days to process and that they recommend I make a payment based on my IDR today to count toward XXXX. I informed this agent that I had received conflicting information. She stated " it's up to you I'm just providing my recommendation ''. I made a payment. I think did more reading on Student Aid.gov noting that even making a payment while in deferment, it would not count toward PSLF. I called back and this agent said it takes XXXX business days to process deferment. She stated that I would not get credit for an XXXX payment for PSLF unless made within XXXX  days of XX/XX/26 which was the due date of the XXXX payment if I had not been in deferment. She also said that payments during deferment do not count. I explained this was conflicting and she asked me I I spoke to newer agents, I explained the agents did not disclose their levels of training. I asked if my deferment is not processed by XXXX  days after XX/XX/26, would an XXXX payment count. She said no. I asked if she could review what the other agents had said as all information was conflicting and she said there were many pages of information and it did not say what I explained. I asked if I should cancel the payment I just made and she said " it's up to you, depend which agent you want to believe ''. I then asked to speak to a supervisor and have been on hold for XXXX hours. 

I think it is wrong for a student loan servicer to have agents given XXXX different answers about this situation and not provide me with anything in writing regarding our conversations for me to have future protection by following their advice. I asked if I could have copies of the notes from the calls and was told I would need a court order. I am simply trying to make my payments and qualify for PSLF and am receiving conflicting information from Mohela itself. I still am not clear what is best to do next.
Product: Debt collection

In 2014 I was in the process of signing a lease for an apartment complex. I was instructed to have gas service activated and show proof of receipt for the application process to be completed. My spouse paid the balance of {$110.00} in full and recieved a reciept for the paid account. This account has been paid for a significant amount of time and suddenly appears incorrectly on my credit report as a debt collection. Company is trying to claim several forms of payment.I have tried contacting Contract Callers Inc, and they do not have any documentation regarding validity of this debt.
Product: Credit card

This complaint is written & submitted on XX/XX/year>. 

I booked a hotel through Chase XXXX to a hotel called XXXX XXXX XXXX for XXXX XXXX XXXX. I made the booking on XX/XX/year> at a cost of {$180.00}. I booked a XXXX XXXX flight, also via Chase XXXX, on XX/XX/year> for {$150.00}. 

I learned on XX/XX/year> that the XXXX XXXX XXXX does not exist. It is not listed on its parent company 's website XXXX XXXX XXXX XXXX XXXX nor can it be booked through any other third-party booking service. 

Chase XXXX allowed me to book travel to a country the State Department considers a level XXXX travel risk ( https : //travel.state.govXXXX XXXX for a hotel that does not exist. They did not inform me that the hotel doesn't exist and their carelessness would have put me in danger should I have continued to with my trip. 

I have spoken with customer service representatives from Chase XXXX and Chase Bank each business day between XX/XX/XXXX & XX/XX/year> over the phone. I notified them of the issue and requested that they cancel my bookings and refund my payments. They have not communicated to me via email, so I do not have record of these conversations. They did record the conversations as representatives have told me they referenced recordings when looking up the details of my case. 

At the time of writing, Chase XXXX and Chase Bank have not issued refunds for {$150.00} and {$180.00} to reimburse the cost of the trip. The hotel stay would have been impossible due to the hotel 's nonexistence. I did not trust Chase to re-book a hotel because of their carelessness, and therefore requested to be refunded for the flight as well.
Product: Credit card or prepaid card

A problem back in XXXX XXXXand continued : Facts : I had a balance for $ XXXX with XXXX interest promotion that was expiring on XX/XX/XXXX. 

I requested another $ XXXX balance transfer promotion on XX/XX/XXXX for 1.99 % interest that expires on XX/XX/XXXX with a balance transfer fee of {$270.00}. 

I paid on XXXX XXXX, and XXXX of XXXX the $ XXXX balance that was expiring on XX/XX/XXXX. 

What happened in XXXX Statement : The bank took my XXXX payment of $ XXXX and applied it against the $ XXXX " just requested balance transfer '', and not against the expired promotion. 

I was charged 19 % annual rate fees monthly from XXXX of XXXX until now. Total interest charges to date are about $ XXXX. 

Called customer services many times with no solution, and was told it is what it is. The bank applied for your money the way it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. XXXX XXXX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : $ {$780.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$430.00}.
Product: Vehicle loan or lease

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The KIAMOTORS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

KIAMOTORS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN : EXPERIAN IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT THEY HAVE DEFAMED MY CHARACTER WITH NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. I DID NOT GIVE WRITTEN CONSENT OR AUTHORIZATION OF LAW FOR THE COLLECTION OF MY INFORMATION.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer into my Coinbase account. I requested the transfer go to my USD Wallet but instead the funds seem to be held up in my XXXX wallet. The transaction shows as " pending '' with Notes reading " Failed to instantly exchange XXXX ''. What does this mean? I have contacted Coinbase numerous of times. Their response was Our payments team and advocacy team are investigating. Weve marked this email thread as a top-priority case, and well provide info to you as it becomes available. Coinbase seemed to be focusing a lot more on expanding their operations instead of properly serving their existing customers.
Product: Checking or savings account

This is my second complaint about this issue Bank of America closed my account, didnt give me any reasoning, and everytime I called they said after so much time Id be able to receive my money. Its now been over 2 years and still nothing. Last I was told to contact parties that deposited money into my accounts which is crazy. Some of it XXXX which I cant get reversed and Ohio Unemployment which I spoke to them and they said the bank would have to return the funds then they would send them to me another way. Ive never received any results of why the accounts were closed and apparently nothing was found fraudulent. I reported this issue a couple months ago. A person from BOFA reached out left me a voicemail, I returned the call a minute later and tried several other times and never heard from them again. I want to know what the problem is and where is my money?! Ive waited too long as it is. They also reported me to check systems and early warning systems for fraudulent or suspicious activity and I dont know why or what theyre talking. About!! This needs to be fixed! My next step is to hire an attorney like I should have a long time ago! How does a bank just keep money especially from my unemployment benefits?!
Product: Debt collection

I saw a NEW collection account to a company I do not owe in regards to an XXXX XXXX XXXX account I no longer own as i returned their devise. I filed a dispute with the XXXX and the company ( Sunrise Credit Services ) has continually " flagged '' my account as collections numerous times causing my score to drop by continuously drop they filed on XX/XX/2020 the next day my score decreased by 19pts they flagged it again on XX/XX/2020 and my score decreased now by 10pts. 

Right now i am in the middle of credit repair to purchase a home and the constant unnecessary reporting is retaliation for my dispute while also damaging my credit in a an attempt to prevent me from obtaining credit.