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

I have been in touch with Wise 's customer service since XX/XX/XXXX, XXXX and I could not be more unhappy with their app, website, customer service, and the fact that I have already lost {$100.00} and my wire is incomplete with a balance still due. 

First, I was stuck in some morbius loop of verifications across my computer, my phone, their website, their app for 24 hours to get my account set up. I was asked to enter the purpose of my transfer repeatedly. Each customer service agent asked the same questions as the last. 

I was not given a correct time estimate for my initial transfer from my bank to Wise. When I confirmed the amount I was transferring, I was told it would be a same day delivery. After I confirmed, it was changed to five business days. I would literally have gone to a bank branch to send this wire instead if I had known and avoided all of the below. Cancelling my transfer was not an option once the time estimate updated. By the time my transfer cleared, the exchange rate had changed, and I no longer had enough for my wire. I had to transfer more and pay another fee on Monday, XX/XX/year>. 

As far as I could tell, the wire was set up for XXXX XXXX with no fees listed until after confirmation. I was not able to access the USD in my account, so I converted my USD into XXXX  for a fee of {$15.00} - not shown before confirming my conversion - and then submitted my wire. 

The amount was then converted at least two more times with fees that I have no accounting of leading to my wire to a vendor being XXXXXXXX XXXX short on their end. Wise also deducted the wire fee from the amount I was trying to transfer instead of my account balance, so I was already short XXXX XXXX. My vendor has threatened to not honor their contract due to the invoice not being paid in full. 

At no point could I see the fees up front, and Wise 's customer service refuses to provide any accounting of the additional XXXXXXXX XXXX that is missing. This experience has been an expensive nightmare, and I am filing this same complaint with the FDIC, naming XXXX XXXXXXXX for suggesting your service, the Texas Attorney General, Financial Ombudsman, and more. 

I would like the XXXX XXXX refunded to my account or sent to the intended recipient of the wire.
Product: Credit reporting or other personal consumer reports

This is my SEVERAL 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

Contacted fraudulent party to purchase goods / service. 

Used XXXX to send money to fraudulent party 's account. 

Did not receive goods / service and was not refunded money by party. 

Contacted banking service with complaint and was told they could not refund / resolve issue. 

Filed report with local police.
Product: Mortgage

For a long time I have been in direct contact with the mortgage or servicer of my account, trying to obtain a modification, I have been denied for many reasons, today I got approved one for the servicing, but it is based on many anomalies and breaks the law before the XXXX XXXX XXXX. 

* They do not send me statements of my detailed account, I have months that I do not receive them. 

* do not answer, nor do they want to have contact with my counseling service company or person. they do not answer or send you any of my documentation regarding my modification or processing. 

XXXX the appraisal made by the company in charge of my mortgage. they have never done it in the interior of my house, it was hidden to the sight from the outside or with external reference. 

XXXX The interest offered by the mortgage or servicer, is ridiculous, they changed from 4.5 % I had to 5.750 % from 30 years before the loan, I 'm going to change it to 40 years, now. 
*the mortgage company told me that if I did not declare more profit I could not qualify for a modification that I had to show more profit so that I could authorize a modification verbally I was told by the account manager. 

*I am notified of the foreclosure process, well before the law or XXXX XXXX act. 

*they send me notification of foreclosure with many irregularities, in the process, referring to the dates of the process. 

* * do not want to give any information to the company authorized by me, to help me with the process of mofication, always have a pretext, do not return any document, do not answer about my process, or let them know anything about the process. 
they just want the communication to be with me, and not reviewed by them.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau c/o Case Manager 1700 G Street N.W.

Washington, D.C. 20552 Dear Sir or Madam : The purpose of this letter to request a claim be opened against Wells Fargo over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX of XXXX, my Wells Fargo checking account and debit card were compromised. Someone across the country ( I live in Virginia ) deposited a check into my account, which Wells Fargo temporarily cleared, and the person then used the funds to purchase XXXX from XXXX using my debit card. As soon as I noticed this activity, I reported the fraud to Wells Fargos fraud department. The representative indicated that the matter was being resolved. However, months later, I received a notice from Wells Fargo that I was being held liable for the charges since the merchant ( XXXX  ) said the charges were valid, even though I did not make them. 

The account has since gone to collections with XXXX XXXX XXXX XXXX XXXX They are asking me to pay {$4700.00} for the fraudulent transactions. After several phone calls and mailings, I informed the collections group that I had reported the fraud to Wells Fargo when it occurred. The representatives from Wells Fargo and XXXX XXXX XXXX inform me that the fraud claim was closed in XX/XX/XXXX and the credits reversed to the balance previously stated. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Wells Fargo and XXXX XXXX XXXX XXXX for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a balance of {$350.00} reporting to my credit report it should be {$190.00} with 3 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$24.00} XXXX  {$360.00} Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance XXXX : {$3100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

This is the compliant for the receiving bank. I initialed a wire of XXXX dollars from my XXXX  account to Wells Fargo on XX/XX/2020. After half year its never there. XXXX keep telling me they tried to reach Wells Fargo and never got a response for months. Is this even normal? My receiver called and there was no pending wire. I need the money back badly. My XXXX  account number is XXXX.
Product: Debt collection

They've been intently harassing me non-stop to pay this debt but won't take my money. 
I've made countless efforts to get them to take my money, via phone and the website as well as sending emails. I have also contacted the original creditor, XXXX XXXX  & they to refuse to take my payment. They lied to the judge on record certified mail that they didn't get a response and tried to get a default judgement, then they sent me a letter and not the court lying to trick me to not go to court. They send you to voicemail anytime you try to pay.
Product: Debt collection

I have been contacted several times by a company that calls themselves " XXXX XXXX XXXX '' stating that they plan on filing an action against me. They said they would be charging me with bank-fraud because I had an account with HSBC that I felled to honor a payment arrangement I made with them in XX/XX/XXXX. I explained I didn't have an account with HSBC and wanted them to stop calling me. They have called my cell and my office and have threatened to deliver a summons to my job. I asked them to immediately communicate with me in writing and asked again that the calls be stopped. They told me the calls would continue as they have for the past 2 days ( XX/XX/XXXX-XX/XX/XXXX ). I am filing an official report as my first step in pursuing legal action against them.
Product: Checking or savings account

I opened a new account with Citi Bank using a {$400.00} bonus offer. During the account set up procedure a security issue ( on their end ) resulted in a delay in the account being funded. This was going to cause me to potentially miss the funding deadline to receive the bonus. 

I contacted citi bank support and was told that it should not be a problem. The issue could be addressed if I called in at a later date and explained the situation. The bonus could then be applied. 

I waited a couple of months and then contacted phone support. At that time I was told that it was too early to verify whether I had met the bonus requirements. 

A month or so later I contacted support through chat. This time I was told that the bonus had been applied. 

About a month later I received an email stating that my bonus had been denied. I contacted support and explained that two previous agents and said the bonus would be applied. I was told that when they checked my account an investigation had been started 90 days before, but a new one would have to be started that could take an additional 90 days. 

At this point, XXXX  has held on to my money for longer than required to receive the bonus. Had support told me from the beginning that I was going to be ineligible for the bonus, I would have closed the account and moved the money somewhere more useful. However, because XXXX  support advised me that the bonus would be forthcoming I left the money in place. I'd like to move the money if the bonus is not going to be awarded, but I'm stuck in limbo because of the additional 90 days of investigation.
Product: Student loan

I missed a few payments on XXXX private loans managed by American Education Services ( AES ) while I was sick. When I was told the XXXX loan would default, I began making payments and quickly paid off the past-due amount. However, by that time, XXXX of the loans had already been placed into default. For that loan, I received no communications - at all - about past due amounts or a warning that it would be put in default. I confirmed with AES that there was no communication received regarding that loan. I contacted AES in writing to request the loan be taken out of default, because I was not notified of the past due amount or the default, and to make my payments current. I was told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Product: Money transfer, virtual currency, or money service

Today I had wanted on this site https : //www.patreasury.gov/Unclaimed/no_records.html and it says this Claim Owner ( s ) Address Holder Name Property Type Dates Id 's Selected Property XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Paypal Inc Uncashed Checks Property : XX/XX/XXXX Reported : XX/XX/XXXX Property Id : XXXX and this Claim Last Name First Name M.I. City St Zip Holder Amount XXXX XXXX XXXX PA XXXX XXXX XXXX Under {$100.00} and I want to know how much is the uncashed check for and I want y'all to send me the uncashed check to me in the mail without me filling out a claim form on patreasury.gov website?
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
TRANSUNION : 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
Product: Debt collection

XXXX XXXX is reporting inaccurate information. I do not know this company ; I have never done any business with this company. The company does not have a contract with my signature.
Product: Money transfer, virtual currency, or money service

I am filing a 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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerableand unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX Has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency my 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 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate accounts on my credit report that I do not recognize, including a car loan with XXXX XXXX XXXX. After investigating, I realized I was part of a recent data breach, and I received a refund related to this breach. I believe this incident led to my personal information being compromised and used to open fraudulent accounts.

I disputed these accounts with the credit bureaus, but despite providing evidence of identity theft, Experian informed me on XX/XX/year>2025, that the XXXX account, starting with XXXX, will remain on my credit report. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and have been actively monitoring my credit.

I am requesting the removal of these fraudulent accounts to prevent further damage to my credit profile and restore the accuracy of my report.
Product: Credit reporting

I wrote Trans Union a letter on XXXX XXXX. In my letter, I identified several errors on my credit report that I would like them to investigate. Today is XXXX XXXX, I have received nothing back from Trans Union ; no response. They were supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"