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

On XX/XX/XXXX, a 4500 Euros transference was performed to my CHASE-BANK account No. XXXX from my daughter 's account ( Savings account No. XXXX XXXXXXXX, XXXX XXXX in XXXX ). Transference code XXXX XXXX  XXXX. ( attached documents # 1 & 1a ). 

XX/XX/XXXX, CHASE-BANK informed us that our account had been locked using their " Security Message '' system. 
XX/XX/XXXX, XXXX XXXX certified the transfer ( attached document # 2 ). On the same date, during a phone conversation with the electronic money department, a representative identified as " XXXX '' informed us the bank doesn't have registered the transfer. 
XX/XX/XXXX. XXXX XXXX, the XXXX branch manager, verbally confirmed that the bank had not received the transference after consulting several bank functionaries. 
XX/XX/XXXX. XXXX XXXX XXXX in XXXX sent us a written answer to our complaint. They informed us the money was indeed transferred to CHASE-BANK , which held the funds. They asked for retrocession that has not been performed yet. On the other hand, the communication reported the correspondent bank did not receive the transference. XXXX letter attached the email with the transference 's XXXX message ( attached document # 3 ). 
On XX/XX/XXXX, the mentioned documents were presented in a new interview with XXXX XXXX, the XXXX branch manager. She checked again, did not find the transference, and suggested we look for the FED IMAD at XXXX to track the transfer. 
XX/XX/XXXX. In response to our request, XXXX bank answered FED IMAD numbers are not used in XXXX. 
XX/XX/XXXX. We requested at CHASE-BANK a written document to show to XXXX. Similar to other occasions, the bank functionaries deny giving us written information. 
XX/XX/XXXX. A XXXX functionary gave us the following code as the " possible FED IMAD number '' : XXXX XX/XX/XXXX. In CHASE-BANK did not recognize the number provided by XXXX. Again refused to give a written communication. 
In summary, 60 days after the transference, CHASE-BANK does not identify the operation in its system. Systematically has made the tracking process difficult. The functionaries frequently identified by their given name and always refused to provide written information, arguing bank 's politics. In contrast, XXXX provided the asked documentation, which has not been enough to clarify the situation.
Product: Credit card or prepaid card

Original complaint XXXX I applied for a credit card with Chase on XX/XX/XXXX. Several times they have claimed to still be working on it. The last was XX/XX/XXXX when one again they claimed to be working on it. I want the application for the card cancelled. This is ridiculous!! I have had many home loans in the past all completed in weeks from the application to closing. I am also researching legal options as I believe there is something very inept going on here. 60+ days is more than enough time for a simple yes or no.
Product: Payday loan, title loan, or personal loan

A personal loan exceeding the usury rate with a rate of nearly 400 % per annum. I was expecting the loan to appear on my credit report so that I could increase my score by paying the loan off early but I don't think it was reported at all. Prior to waiting for the loan to be recorded, I called and asked if the company reported to major credit bureaus and was told yes, XXXX through some company called XXXX. It has been 24 hours, the repayment amount has increased by about {$20.00}. My loan number is XXXX. How do I go about ensuring that the company complies with the usury rate. It would not be such less of an insult if this company actually reported to a credit bureau, to show a good payment history.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that a citi bank credit card that does not belong to me is reflecting on my credit. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy, this is not my citi credit card and I have never applied for one. ( XXXX  XXXX ) Please investigate and provide Proof with executed credit card agreements showing my signature and ID. If proof can't be provided I demand this account be removed from my credit report.
Product: Credit card or prepaid card

Comenity Bank for XXXX store card I've disputed this through XXXX  I've spoken with agent I'm being harassed call after call when I'm at appointment church functions and I even explained I was making funeral arrangements for a family member to which I got 3 calls after that plus this account is from 2007 and should have been covered long ago
Product: Checking or savings account

Charles schwab BILLPAY was scheduled to send a property tax payment for {$13000.00} for due date XX/XX/year> - the check was delivered on XX/XX/year> - the check was not XXXX postmarked on or before the due date of XX/XX/year> - a penalty of {$1400.00} was assessed by XXXX XXXX XXXX - charles schwab is unable to provide proof of mail-date from XXXX on XXXX before XX/XX/year>
Product: Checking or savings account

I tried to call the bank to open a merchant dispute, but without a SSN is impossible to go through the call center. 
I need to dispute these XXXX transactions made with my debit card ending in XXXX, XX/XX/XXXX {$880.00} - {$880.00} - {$880.00} - {$880.00} I went to the store XXXX XXXX in person to buy XXXX XXXX XXXX XXXX XXXX, the products were delivered on XX/XX/XXXX ( it tooks almost XXXX month to arrive ), so at that time were no longer neded, so I went to the store on XX/XX/year> in person to return the XXXX XXXX. The store agreed to refund ( they have 30 days return policy ) and they issued XXXX refund receipt confirming the full refund to my debit card. 
The credit was never posted to my account so I called them on XX/XX/year> and they said they already processed the credit and if is not on my account I should contact my financial institution for billing adjustment. 
Please proceed with the charge back requested due " credit not processed '' Thanks
Product: Checking or savings account

Opened new checking account online with TD bank and had initial funds transferred via ACH from my other checking account. Reason to open account with TD bank due to it's very close to where I live. Tried to set up direct deposit from my paycheck and was rejected pending account closure. Contacted TD bank and asked to come into the bank to verify identity. Went to the bank and provided driver 's license to verify identity and address. Was told by the fraud department the bank still decided to close my account without giving any reason on the decision. Visited the branch and the bank associate reached out to the office several times requesting clarification on why but office continues to refuse to reopen the account and do not give a reason why. I have over XXXX credit score, over 15 years of credit history with no missing payments and a steady income. I requested reason for closing my checking account so I can address any potential identity alert that they might have noticed. However, TD bank refuse to give any info and closing customer 's account at will is borderline discrimination and I hope this will be addressed immediately with the bank. I feel my rights are being violated and treated unfairly in this matter. TD bank will not provide me any written info on the reason of my account closure.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my  credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.
Product: Mortgage

I applied for a loan modification with OCWEN over a year ago and was granted a loan modification. And then they sent me something in the mail indicating that it was a trail period and the payments would be {$1400.00} before that the payments were only a {$1000.00} and I completed the trail process and for the third time they had some loan monitor from XXXX tell me that I did not complete my paperwork. This continues to be OCWEN 's answer when asking where is my documents to finalize the loan modification. I had to file Bankruptcy against my better wishes just to save my home. I completed the repayment plan and OCWEN received monies for back payments monthly. When I called on XXXX XXXX, XXXX to discuss the process for receiving monthly statements I was informed that I was not entitle to a change of address : ( from my XXXX XXXX to my Home ) address. OCWEN after eight months or more finally produce some loan modification forms that they forward to an attorney that is not my attorney : XXXX XXXX XXXX. I continue to await for the loan modification forms and monthly statements. I want to keep my home and I want to make the monthly payments at {$1400.00}. On XXXX XXXX, XXXX I received two calls from OCWEN and they stated that they were debt collectors. It was so hard to understand when they were saying due too their strong accent. For many of years this has been an ongoing problem with OCWEN they give you false hope on trying to help their customers. I have been a victim and it appears that they continue to hold me hostage with their illegal mortgage practices. I have also followed up and contacted Congresswoman XXXX XXXX and XXXX XXXX for additional assistance in getting this right. OCWEN has poor lending and mortgage practices.
Product: Vehicle loan or lease

They have posted credit to my account that was owed to me then they reverse the credit back. They have sold this car off. I asked them to fix the car, but they did not fix the car. I asked to replace the car and they did not want to replace the car either. I had to go get me a car from somewhere else. They took forever to even come and get the car. I have been calling them for a year and they were important that extra time on my credit. This has an effect on me because Im a XXXX XXXX XXXXr And they decreasing my score and Im trying to get a house for me and my child. I have other accounts with them that is in good standing, and I have paid them off and then they are constantly reporting it and knocking my score down the count is illegally been reported because you can not close an account And then still report a balance on there and also you can not use the same count as a Charge Off and still go back and constantly reported more than one time is still a constant report on my credit and every time they put that report on there, it affects me. They also was a recall on the XXXX and theyve been trying to get me to trade it in. They changed it for Charge Off to close to a balance to open to close and they just constantly report for no reason and then what they were reporting is not right how can you reverse something that Im clearly entitled to a touchdown to the bottom. They already got their money off of it, and they already found it on their taxes.
Product: Credit card

On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My interaction with Equifax has been frustrating. I noticed that there were XXXX fraudulent accounts, XXXX  ending in XXXX and XXXX Bank ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed by certified mailing Equifax a packet of information with copies of an identity theft report, SSN card, driver 's license, and proof of address for their identification purposes, and a cover letter stating. Initially when they received my packet they removed both of the fradulent accounts but this past month in XXXX, Equifax said that they had conducted investigations into both accounts and supposdely " verified '' that those fradulent accounts were mine. I was never contacted by them to ever provide any sort of documents or statements to help verify anything. Equifax had reached out to the furnishes who would've been XXXX and XXXX and used them to determine " verification ''. But according to the FCRA, I am the only person that can verify such type of information. They reinserted both of the accounts and now they both are reporting on my personal credit report. This is continuing to cause harm to my reputation, stress and disruption in my life and causing me emotional stress. Once I they notified me that both accounts were reinserted, I certified mailed Equifax an affidavit of truth one for the XXXX  and one for the XXXX accounts with all exhibits mailed to them up to that point and explained how they illegally reinserted the XXXX fradulent accounts back onto my personal credit report. These were mailed on XX/XX/2022. They've yet to send me a response or delete either account and they received one on XX/XX/2022 and the other on XX/XX/2022.
Product: Credit card or prepaid card

Hello, I 'm the cardholder for this account. I have been double billed and also told by the credit card company to keep only card pay current and and I have been paying on the other yet I 'm still being charged more than {$50.00} in fees. I have tried several times to attempt these add have been constantly put off by the company. 
I must be given 45 days notice of rate, fee and finance charge increases. I was not given any notice my rate would change. 
Double-cycle billing is banned, which eliminates interest charges on debt you pay on time. As you can see by my documents I have been doubled billed.
Product: Debt collection

To whom it may concern for the past year I have addressed this account with XXXX XXXX XXXX XXXX XXXX  Has ignored my notice and request letters for verification neither to say XXXX XXXX XXXX  Did not waste any time to sell my information to a 3rd party by the name of resurgent capital Service I have notified resurgent capital Service to provide me with verification of this collection of this debt I also notified them that the debt does not belong to resurgent capital Service that the debt belongs to XXXX XXXX XXXX That I have not made any deals with resurgent capital Service, I have also asked for verification of this account, neither to say resurgent capital Service only provided some Documents not the Required documentation that the consumer has asked for Which I reached out to resurgent Capital service So they can provide me with the rest of the documentation and they refuse to communicate further because I have asked to cease and desist communication. In order for them to Communicate with me they requested for me to lift the cease and desist, the agreement was to communicate by mail that was the agreement the following items has been requested by the consumer. 

* The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

Resurgent capital receivables have failed to provide the consumer Those documents Also to my understanding According to 808. Unfair practices or 15 USC 1692f ( 1 ). 15 USC 1692e ( 6 ). Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. If this is not enough. resurgent capital Service Has posed this information in my consumer credit report with a charge off in slavery me to pay a debt that they don't Owned I will hold accountable resurgent Capital services. and XXXX XXXX XXXX for this fraud 18 U.S. Code 1593A - Benefitting financially from peonage, slavery, and trafficking in persons ( ANYONE ON THE FRINGES WHO BENEFITS FROM THESE ACTIVITIES ) - anyone found guilty of this one are treated as guilty to the actual statutes in this section, Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, under the United States, XXXX XXXX XXXX, and XXXX XXXX XXXX stat. XXXX ( among others ) Can resurging capital services Explained How can I lawfully pay a debt with a debt
Product: Debt collection

On XX/XX/2018 i send a certified letter requesting portfolio Recovery of XXXX XXXX XXXX XXXX XXXX Va XXXX I requested for the original contract rom the client which they could not obtain due to this debt is not valid or mine they send me idolized statement from an address that i never lived at and claims i still owe the debt but this company has violated the 15 U.S.C. 1692g of the fair debt collection practices act. They have not removed this Debt from my credit report yet and they have violated the fair credit reporting act also
Product: Student loan

My student loans are with  XXXX   XXXX . I was looking for a way to lower my payments. I found a company called Fedloan Help, free student loan repayment assistance. They said that they would take over the loan and I would pay them based on what I could afford ; income minus expenses. They did so and spoke on the phone to me extensively about their service, communicating that they would take over the loan and I would pay them at a reduced monthly payment. They said my credit rate would go up because of the transfer showing the closing of the account with  XXXX . I signed the paperwork and provided all pertinent information. My payments were withdrawn every month on the  XXXX  as I requested. I believed this money was going towards my student loan. This past week when I could n't get a  XXXX  tax form I became suspicious. I was told the form they did have for taxes counts as a charity credit since they are a not for profit. Also I was told I was due for recertification. As a result I was told my payment would go up, which I did n't understand, I did n't know about recertification. When I first began this process they certified me with  Granite State  with a take home of {$54000.00} a year with  XXXX  dependents. Therefore, a forbearance was put on my existing loan with  XXXX . No transfer took place ever. It just looked like I had a  XXXX  balance since I was in forbearance and had no idea this was happening. With the recertification this year I was told my payment went up from {$180.00} to {$310.00}. I questioned why. Fedloan Help then said that they had no control over what my loan holder said I had to pay. I could n't believe it. I had been scammed. I spoke to  XXXX   XXXX , but they said they had n't received a payment from me since  XXXX    XXXX  . Nothing that Fedloan Help communicated to me would happen, happened. The new submission from  XXXX  to  XXXX  was based on an income of {$55000.00} with  XXXX  people in the household. I do n't understand what Fedloan Help is doing but they are n't telling people what they are really doing. Of course there are contracts you have to sign and I need to go back and read them ; obviously I did n't read them closely and was suckered. Their claim is that they would take over the loan and I would pay them. They 've taken around {$2500.00} for me and none of it has gone towards my student loan.