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

I would like to submit a complaint concerning potential financial malpractice involving Wise XXXX. I believe that their activities may warrant a thorough investigation to ensure transparency, fairness, and compliance with financial regulations. 

The first case : My client issued the XXXX money transfer on XX/XX/XXXX, claiming that the fund would arrive to my bank account no later than in XXXX working days. Additionally, they asked me to provide some information to verify me as a recipient. All the information has been provided within a few hours after the request. Meanwhile, they advised me to use the XXXX sample in the transfer invoice they provided to my client so my bank could allocate the transfer. I have contacted my bank and provided this data, but they couldn't find the transfer. My client has contacted Wise a few times but got the same response : use the XXXX sample in the transfer invoice. The transfer finally arrived on XX/XX/XXXX. The XXXX number, sending bank, and reference number differed from the ones stated in the initial transfer invoice. 

The second case : The same client sent me another XXXX transfer on XX/XX/XXXX. According to the tracking link provided by Wise, the transfer should arrive no later than XX/XX/XXXX. On XX/XX/XXXX, my client contacted Wise regarding the transfer status, and they stated that it was successful and that I should use the XXXX sample stated in the transfer invoice issued on XX/XX/XXXX. Again, my bank was not able to detect this transfer. On XX/XX/XXXX, they demanded that I submit my bank statement showing all incoming payments to my account to ensure that I don't lie. Though it contains sensitive information, this statement was submitted for their investigation. No further reply was not received. After numerous attempts to contact them and find out the status of the transfer, the money arrived in my account on XX/XX/XXXX. And, as in the first case, the XXXX number, sending bank, reference number, and date differed from the transfer invoice. 

Considering these two cases, when Wise XXXX held money for no reason and no explanation on the transfer status, I believe that this was made intentionally and can be a sign of financial malpractice. There are also tons of negative reviews on their XXXX page, Trustpilot page, and other social media regarding similar situations, blocking accounts for no reason after receiving confirmation from users, or changing account details without any notice. 

Please, find the transfer invoices by Wise and XXXX confirmations from my bank as proof.
Product: Credit card

I am writing to file a complaint against GS Bank/Apple Card regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the GS Bank/Apple Card website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX NOT MY NAME REMOVE IT XXXX XXXX XXXX XXXX XXXX TX XXXX IS MY SISTER ADDRESS FCRA VIOLATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello On XX/XX/XXXX I sent out a letter to XXXX, Equifax, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Product: Mortgage

My home has been foreclosed on and is set for auction on XX/XX/XXXX at XXXX. I have not been able to obtain a loan modification nor a short sale approval. 
I am an older gentleman, XXXX years old. I lost my job in construction after the real estate market crash XX/XX/XXXX and soon was unable to make my mortgage payments. Since then, my wife and I have encountered several health crises. She has had to have XXXX and I had a XXXX XXXX and XXXX. All the while, we have also had to provide for my ailing XXXX year-old mother-in-law who is under our full-time care. 
Luckily, I was able to get another job XXXX this year. I am now healthier and gainfully employed. 
My home is now set for auction XX/XX/XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Creditor 1 : XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. Also and place a suppression on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of accounts that do not belong to me : XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed. 
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification. 
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan. 
Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments. 
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house. 

Any help, assistance, advice, would be much appreciated.
Product: Vehicle loan or lease

XXXX  I had a loan for a year or so with America First Credit Union XX/XX/XXXXXXXX  I changed insurance providers who handled the notification that insurance coverage was in place with the lien company. 

XXXX - XX/XX/XXXXXXXX  There was a disconnect between the insurance company and America First not receiving the information. 

XX/XX/XXXX A few months later I missed a payment then America first bills me for the last 5 months stating I didn't have insurance and stated I owed nearly XXXX on the vehicle, and repossessed the vehicle first week of XXXX. 

I filed a complaint with the XXXX  and additionally called my insurance company requesting them to resend the information over that I had coverage. 

XX/XX/XXXXXXXX  I was returned the vehicle, just had to pay the month that was due and over XXXX XXXX dollars in repossession fees and all the other XXXX XXXX dollars that was the reason the vehicle was repo 'd over was remove from the total since I did in fact have insurance.

Additionally I had to pay for a trailer to haul, and a rental, plus travel cost to get the vehicle back traveling from Idaho to Utah.. 

Additionally when picking up the vehicle the battery was ruined and had sat dead the entire two months they had the vehicle. Additionally the repo company had dis-engaged the alarm some how and left the whole systems non functional with remote start no longer working. A several thousand dollar system down the drain. 

Now I am at wits end with the back and forth trying to get what is owed to me from the company. Being a month behind on a payment did not entitle serval thousand dollar of fraudulent insurance to be tacked on. 

As well once confronted by the XXXX  and realizing their error they returned the vehicle for the meager first month payment. Much less then the repod amount that was stated at nearly XXXX. 

I have called them several times and left complaints with their corporate offices and am not getting anywhere. The next steps are litigation. I want to make sure that a formal complaint is lodged again America First Credit Union and that this is investigated.
Product: Credit card or prepaid card

I have another case on file that was submitted and its the same issue. I asked my credit card company to explain how my interest fee was calculated for the month. I used my daily periodic rate and my average daily balance, and I could not find out how they come up with their amounts. I called customer service and they didnt know either. I followed the explanation on my statement on page two, still couldnt figure it out. I would just like to know how they got their figures. I called XX/XX/2018
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process has been both unfair and deceptive, as they have not complied with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

As a result of these failures, I have experienced significant inconvenience and financial loss. I am requesting appropriate redress and resolution for these violations. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my recent credit Reports XX/XX/XXXX ; I noticed for the third time deficiencies of reporting and inaccurate information on XXXX and Experian credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX XXXX XXXXndividual account Balance {$3000.00} having no Account number, on XXXX Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. Hard Inquires : XXXX, XXXX XXXX, EXPERIAN XXXX XXXX XXXX and XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Product: Student loan

I have repeatedly asked for evidence to support your reporting, but yet again, your company have failed to provide me with a copy of any viable evidence, substantiating their claims. 
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate late payment on credit report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you are now required to appear at Superior Court of California , XXXX Dept. BM XXXX California XXXX on I am seeking {$5000.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Navient Solutions Inc. has failed to validate the late payments. Failure to remove item off credit report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. On other separate occasions they failed to provide me written proof of any late payments which I requested in writing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX   credit report. 

XXXX  XXXX XXXX Account # : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX, I emailed XXXX XXXX Loan Servicing Department requesting to have the SCRA interest rate applied to my loan. I met the guidelines of being a military service member in Louisiana and attached my orders. 

On XXXX, I received the following response : Thank you for contacting XXXX XXXX and thank you for your service. 

We can review the orders or certified letter signed by your Commanding Officer on their own merit, but it appears you became XXXX XXXX prior to opening your loan and would not be covered under the SCRA. 

As it pertains to the Louisiana regulation, LA Rev. Stat 29:311 ( 3 ) Obligation, is a defined term. It means : any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of contract or other transaction for the purchase of goods or services. 

XXXX XXXX loans are not retail installment sales contracts, are not contracts for the purchase of goods or services, nor are they loans for the payment of money arising out of a contract for the purchase of goods or services. Thus, the law does not apply to XXXX XXXX, and eligibility criteria are standard regarding the application of SCRA in Louisiana.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 myaccount 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 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 or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX  XXXX and XXXX XXXX  XXXX  XXXX has violated my rights. 
15 u.s.c 1681 section 602 a states i have 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.
Product: Credit reporting or other personal consumer reports

Hi I checked my credit report and see my credit was ran thru numerous of banks for a loans thats I didnt authorize I will like for them to be remove
Product: Mortgage

We signed a Home Affordable Modification Agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX. The agreement included {$130000.00} in deferred principal, to be forgiven in XXXX installments - specifically on XXXX XXXX XXXX, XXXX and XXXX ( anniversary dates ). Each installment should have been for XXXX of the total, and we should have received a XXXX in XXXX, XXXX and XXXX for the corresponding amounts. 

The loan was subsequently transferred to Nationstar Mortgage on or about XXXX XXXX, XXXX. Nationstar failed to provide a XXXX for XXXX, and XXXX the amount of the deferred principal on the XXXX provided for tax year XXXX. This constitutes a breach of the agreement XXXX XXXX XXXX, page XXXX ). I have contacted Nationstar MULTIPLE times and their answer is that the XXXX XXXX reflects XXXX of the deferred principal balance. Whilst the figure is XXXX of the total - it was to be forgiven in XXXX portions in year XXXX, XXXX and XXXX. In XXXX, I am subject to taxes on principal reduction in the state of California, whereas I am not subject to taxes on that amount for XXXX. By providing ONLY the XXXX XXXX for XXXX the actual amount of principal reduction, I will be required to pay taxes on XXXX the agreed upon amount from the HAMP document. By lumping together the 2 years forgiveness in violation of the agreement, Nationstar has exposed me to additional tax liability in the state of California. I need either a corrected XXXX that ONLY reflects the XXXX forgiveness portion AS AGREED in the documentation or compensation for the additional California State Taxes I will be subjected to because of the breach of the HAMP agreement by Nationstar.