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

I have been a customer of wise.com for many years and have frequently and successfully transferred money from US Dollars to EUROs. On XX/XX/XXXX, Wise sent me an email to say that there was a verification problem for my account. Upon sending the requested information and verifying my identity, they responded on XX/XX/XXXX that my account was active again. On XX/XX/XXXX, they again emailed to say there was a verification problem. I went through the same process to verify my identity. This time, however, Wise reported that they were not able to verify my identity because they " couldn't accept the photo '' I had sent them ( the same information that had previously been accepted ). 
After going through the process of trying to prove my identity several times, I eventually asked to close my account through one of the options Wise 's process presented to me. Wise sent an email on XX/XX/XXXX saying that they decided to keep my account closed. They promised a refund of my remaining balance within 10 working days. 

Now, in XX/XX/XXXX, I still have not received my remaining balance. Further, Wise completely blocked access to my account : I am not able to see what the remaining balance is and even worse, I'm blocked from reaching out to their customer help center since it requires being logged in! 

At this point, I suspect that Wise has frauded me out of my remaining balance, since there has been no attempt from the company to address this situation and they provide no way to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a XXXX XXXX   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an XXXX XXXX visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have XXXX my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
Product: Debt collection

ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX WAYPOINT RESOURCE GROU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WAYPOINT RESOURCE GROU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in EXPERIAN, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/1997. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), EXPERIAN is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, EXPERIAN is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EXPERIAN to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a airline flight with United airline by using my United airline card from chase bank.. when I change the flight the online submission said I would be getting a refund of my purchase flight Then when I called them to see whats going on they said they are not going to give me a refund so I paid XXXX with no service. Because I book another flight and and flew out one day earlier. So basically XXXX of my money that I have to pay the credit card company back is going. It feels like I was rob of my money .i file a dispute with the card company under the fair credit billing act under the reason I been charge for services I didnt receive, I file all the disputes on XXXX the XXXX and in XX/XX/XXXX. I feel like since the card company chase United explore card is affiliated with United airline they will take they side. I never missed a payment with this company can you please help me get my refund. The attached pictures are the pictures of the flights they charge me with that I didnt use. And my boarding passes of the flight I used
Product: Mortgage

Guaranteed Rate denied our application for a mortgage on XX/XX/XXXX and, despite repeated requests, did not provide a written denial notice or adverse action notice within the 30 day window required.
Product: Debt collection

Ive received calls from the company maybe twice but they have never mailed me anything showing that I even owe said debt. Why should I be told to pay something when they havent even mailed me anything? Ive read all their reviews and honestly I do not want to pay something just to still have issues with my credit
Product: Debt collection

I received a notice in the mail regarding an alleged debt in XXXX of XXXX. I was told to respond by XXXX of XXXX in which I did. I asked the company to provide original information regarding the alleged debt, and currently in XXXX of XXXX I still have not received anything. In XX/XX/XXXX i tried to call the company and they claimed my account was holding pending documents I submitted. I still have not gotten an answer back. 

This company who sent the letter claimed to be collecting a debt for another company in which I contacted via phone in XXXX of XXXX because they were not licensed to collect a debt in California.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

Case Numbers : XXXX, XXXX, XXXX I went to a car dealer and was going to be a co-signer for my daughter, they told me they were running my credit through 1 bank, later on during the week I see on my credit report 7 inquiries and they ran it twice for the same company without my permission. I want those inquiries removed it made my credit score go down tremendously. Please have these inquiries remove. 

Thank you XXXX
Product: Credit reporting

I purchased and pay off a XX/XX/2008 XXXX XXXX. It was financed with Santander Consumer. I made payments on time. However, Santander Consumer is reporting to all credit bureaus agencies XXXX late payments. This negative feedback is affecting my credit report. I am not able to get approve for a new car loan. I need a new car in able to go to work. I am desperate and I need your help. I have done some research and it seems that Santander Consumer is notorious for malpractice with consumers. 

Below are several sites that show filed complaints against Santander Consumer. 
XXXX
Product: Debt collection

I submitted an income-driven repayment plan re-application through  XXXX v on   XXXX   XXXX   XXXX    . I heard nothing from them until   XXXX   XXXX   when they said my re-application was on hold. Then on   XXXX   XXXX   they said that could not process it, without giving a reason. Then on   XXXX   XXXX   they said my re-application expired.   This seems like they deliberately delayed processing until the last possible time, they failed to tell me what was happening and why they made the decisions they made, and they did so in such a way so that I had no time to do anything before my re-application expired.   These kind of communication tactics harm borrowers and seem to be a deliberate delaying tactic to confuse borrowers and deprive them of their rights of appeal.
Product: Vehicle loan or lease

My account was closed on My credit report on XXXX XXXXafterItoldsantandermyaccountwasclosedtheyresumittedonmyreportonXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the 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: Credit reporting, credit repair services, or other personal consumer reports

I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a certified letter to TransUnion to investigate how they are reporting a payment status on a closed account. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. I believe this to be a ridiculous response considering, 1 ) The account is CLOSED and was paid in full 2 ) The payment status is not reporting inaccurately because of the creditor it is the way TransUnion is reporting it 3 ) A payment status is to report as the " CURRENT '' Payment status. 
4 ) They are reporting a derogatory payment status on a paid in full closed account. TransUnion is reporting it as ; '' 30 Days Past Due '' The account is closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. Ive included both certified letters, as well as a copy of my credit report with the inaccurate information highlighted.
Product: Mortgage

My wife and I purchased our home XX/XX/XXXX for {$350000.00}. Since that time we have made timely payments each month and made significant improvements to the home. By XX/XX/XXXX mortgage balance was slightly less than {$290000.00}, while the market value of the house increased to somewhere between {$400000.00} - {$450000.00}. The mortgage has been held by multiple banks since inception, and was held by Ditech Financial XX/XX/XXXX, when we made a written request to cancel the PMI, based on the principal balance to market value ratio. 
In response to the PMI cancellation request, Ditech contracted with local Realtor XXXX XXXX to perform a Broker Price Opinion ( BPO ). XXXX XXXX came to the house to evaluate the property, and orally stated to us that it would " easily value at {$400000.00} or more ''. However, it is apparent that Ditech then communicated with XXXX XXXX about the principal balance left on the mortgage, and which time she returned a BPO with a value of {$380000.00}, several thousand dollars below the amount needed to cancel the PMI. 
Several facts make it clear that the final BPO was manipulated. Firstly, the BPO listed XXXX comparable sales, and in XXXX of the XXXX comparables the " Adjusted Price of Subject '' was significantly above {$380000.00}. The only comparable that set an " Adjusted Price of Subject '' less than {$380000.00} was 'Comparable # XXXX ' ( {$380000.00} XXXX and this property is located in an entirely different county, in less desirable school districts. Looking at the " Adjusted Price of Subject '' of the other XXXX comparables, the average figure is {$400000.00}. Even including Comparable # XXXX, the average figure would still be over {$400000.00}. Additionally, the Realtor selected XXXX comparable as being " Most Similar to Subject ''. These XXXX properties established " Adjusted Price of Subject '' values of {$430000.00} and {$390000.00}, for an average of {$410000.00}. 
Finally, the " Additional Comments '' section of the XXXX undermine the final determination reached by the Realtor. In this section ( page XXXX ) the Realtor notes the extensive upgrades made to the property. She expressly listed the major upgrades made, and notes " Upgrades equal to {$48000.00}. '' Given these upgrades, and the purchase price of {$350000.00}, even if the property did not increase in value since purchase ( which it undoubtedly has, as has every property in our neighborhood ) then fair marker value of the house would still be around {$400000.00}. Please note that all of these values listed above are greater than the {$380000.00} value listed in the BPO, and all of these other figures would have resulted in the cancellation of our PMI. Finally, while it may or may not be relevant the Realtor who conducted the PMI was the exact same Realtor who represented the seller when the purchased the house XX/XX/XXXX. She knew or should have known the value of the house at that time, and undoubtedly is aware that prices have increased in the neighborhood since we bought our home.
Product: Credit card or prepaid card

The company, Midland Credit Management Inc. ( MCM ), purchased or was contracted to manage a store card debt, XXXX XXXX XXXX. I have email documentation between XX/XX/2021 and XX/XX/2021 of exchanges or updates from MCM regarding payments, and an innumerable amount of phone calls which I might be able to pull from a call log. There is a continuous written demand for a full and complete amount of {$950.00}. I've attached today 's most recent notice to document what is owed ( sent XXXX as extremely urgent ). 

MCM has been notified several times that I have been in the interview process since XX/XX/2021. I started a company before the pandemic which was severely impacted by COVID-19, like several people. Since, I've continued to the best of my abilities to move forward and obtain appropriate employment. I receive no unemployment. There is a paper trail beginning at least four years back showing consistent applications. I have used contract job monies to pay off people who provided temporary assistance for shelter, groceries and to continue contributing to rent. 

While there is a need to pay, consideration should be given to the borderline harassment that companies are engaging in to collect an amount owed. It also takes an exorbitant amount of time to talk with people on a regular basis and give them the same answer. 

I would encourage CFPB to track MCM and other debt management agencies, and the policies that govern them. A specific example, in one day a handful of companies wrote off debt causing me to not be able to obtain reasonable housing, borrow or move forward. This is ridiculous given where I'm at in my career and experience, and nonetheless, many of us are being impacted in the same way. Between COVID, natural disasters ( fires, weather ), many people of all economic statuses are being pushed into this situation, many of whom are underrepresented individuals who may not be awarded the same privilege that other receive.

I've requested assistance with a forensic audit given that I have also been a victim of cybercrime. If I am able to obtain a report, I am glad to submit it for review. I am also happy to provide a detailed overview of my finances dating as far back as necessary. Reports have consistently been made to the FBI cybercrime unit, and at least one case was investigated with the XXXX State Police cybercrime unit. 

At this time, there seems to be little governance, flexibility or rationale used for collection methods at the moment. 

Companies will get paid when the money exists, and I've told them this repeatedly. Consistent payments have been evidenced in my financial records.