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

I am customer number XXXX for Wise Transfer. 

On XXXX I'd transfered XXXX usd to Wise account on NY as per app information from my account in XXXX. 
Wise US supposed to send this amount to mh account in XXXX. 

In the last XXXX  days Wise keep insisting that the money was not received. And asking to me.to share proofs, swift receipt, bankd statement, I'd and etc. 
I gave all and they keep telling that was not received and asking to me.to trace with my bank or recall the money. 

I already traced with my bank ( XXXX XXXX ) the bank in XXXX already contact XXXX XXXX Wise account holder ) asking for confirmation that the funds were received or not. 
Confirmation XXXX that full transaction was successfully concluded at same.day. 

Despite this reply and all evidences given. 
Wise keep.insisting that money was not received and I saw in forum.onlines that or os happening with different people as well. 

I don't want to recall the money as it will make me.to lose at least usd XXXX due to exchage rates returnd and fees. 

It is totally unfair and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting Credit inquiries that were unauthorized. I never signed, authorized or gave permission for these inquiries to be given access to my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Product: Credit card or prepaid card

XX/XX/2020 XXXX stated returning payments to my credit card without any explanation or warning to me. Many payments were returned and totaled a little more than {$30000.00} after much back and forth dialogue I was told my only option was to pay the {$30000.00} in full. They closed the account, impacted my credit score, did not treat me as a valued customer and placed a financial burden on me.
Product: Mortgage

When B of A sent me a notice last fall that my mortgage payment would be increasing over $ XXXX/month I called the to find out why. What ensued was 9 months of purgatory trying to resolve it. Dozens of phone conversations lead nowhere so I wrote a lengthy letter, enclosed copies of many months of statements, and a spread sheet detailing what I was billed, what I paid, etc. RESPA regulations state that B of A has 5 days to respond acknowledging receipt of my complaint and 30 days to come up with a resolution. I never received acknowledgment of the packet I sent, and of course, there was no following letter with a resolution. 

This angered me so I complained on your website as well as 3 other government financial websites. My complaint through you resulted in it being forwarded to B of A 's Regulatory Complaint Servicing department to a Mr. XXXX XXXX. He contacted me and promised to research and come up with some resolution. His resolution ended up being to close the file doing nothing and telling me I was wrong and B of A was right. One of the things I asked for was restoration of credit scores that were damaged with B of A 's incorrectly reporting late payments and missed payments He did that research before even finding out what was wrong and making corrections. So, of course, the result in B of A 's eyes is they are correct. 

The problem was an escrow issue. After Mr. XXXX closed the complaint file, I called Escrow again, and was fortunate enough to connect with a highly professional, experienced and knowledgeable rep there who, after my spending some time convincing her there was indeed a problem there, she took one more look and agreed with me. She turned the account over to her manager, who made the corrections that night, reversed late fees, and within what seemed like just a day 's time my escrow analysis was corrected and my monthly payment dropped by $ XXXX/month from what the originally demanded. 

My complaints are 2-fold. There has been a RESPA violation by B of A never responding in any way to my original complaint. 

Mr. XXXX XXXX, who was charged with finding a resolution, phoned it in. In other words, was negligent. 

I told gave Mr. XXXX a list of resolutions I wanted. All that is left is an apology in a letter that is not computer generated and that is hand signed and snail mailed to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX  BANK OF AMERICA  XXXX   XXXX   XXXX   XXXX , TEXAS  XXXX   XXXX / XXXX /  XXXX   VIA : Certified Mail #  XXXX  Re :  XXXX  CREDIT REPORT #  XXXX  (  13 ) UNAUTHORIZED INQUIRIE ( S ) Consider this notice that you have 30 days to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no   debt is due to you.     Further, as a Consumer and since BANK OF AMERICA did not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I mailed a certified letter to Lexis Nexis 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Lexis Nexis responded that they received all three letters, but Lexis Nexis continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc. a sample letter is attached. Lexis Nexis continues to put this matter in dispute why?? Lexis Nexis then sent me a credit report stating verified, that's not what Im asking for Im asking for. Proof of validation is, and Lexis Nexis continues to not validate or show proof. Lexis Nexis has no proof and I want this deleted off my account. This is my final step before filing suit in Small Claims Court.

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( XXXX, XXXX, and Experian ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, XXXX and Experian has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the 3 credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to the XXXX website, and would like a resolution.
Product: Debt collection

I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX XXXX, XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX XXXX, XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
Product: Checking or savings account

I notified my bank in XXXX that there were fraud charges on my bank account at that time they informed me that there were over {$2200.00} in fraud charges at that time it was told to me that they would refund part of my money and after 90days once the investigation was completed I would receive the rest of my money. Yesterday I received a letter stating that they would only refund {$1000.00}. because that was within the 60day period. I never new anything about 60 days and until they found out the amount no one I talked to said anything, even the people I talked to said 78 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. and the company called my childs phone and her boyfriend and a old co worker also some how called the church .Thank you
Product: Mortgage

Mortgage lender is harassing, neglecting, and utilizing abusive practice .... 
Mortgage lender, claims account balance owed, when records are incorrect. 
we have contact and requested to investigate. Per reps, they can see issue on the phone and constantly say it will be fix ... nothing has been done after 30 days ... 
receive letters, of foreclosure, late fees, and calls ....
Product: Debt collection

On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. 
On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. 
On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting false information about an account with XXXX XXXX. They are reporting that there is a late payment on the account which is false and is properly reporting on XXXX. This is a violation of 15 USC 1681, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I demand proper compensation for the violations of my rights as a consumer, the harm that this information has caused me, and the missed opportunities of this false reporting.
Product: Debt collection

I've been a victim of identity theft, after receiving my credit reports, i noticed a collections on my credit report from Credit Collection Services in the amount of {$91.00}, that has been on my credit report since XXXX of XXXX. The issue is that i was never notified at all bye this collection company and they are reporting it on my credit report with out my knowledge or consent. On XX/XX/XXXX sent validation letter by certified mail ( will upload doc 's ). Credit collection services responded by sending two documents, one a Invoice for the debt company and the other an courtesy letter with no date on it from XXXX XXXX from XX/XX/XXXX. Comparing the information on my credit report to the info the collection company sent me, has many inaccuracies being reported. I have all the documents and will up load them. Did try to contact XXXX XXXX to resolve this issue and they would not discuss the matter and gave me Credit collections info and hung up on me. Please remove from my credit report using 15 USC 1962 and 15 USC 1681i and 15 USC 1681B ( 2 )
Product: Debt collection

After submitting a police report showing clearly that the account was not mine and my information was compromised on the dark web, they reinserted the exact same negative information on my credit report cause me problem with my personal life and business expansion.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX  XXXX XXXX number account XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/31 I applied for a loan with Kashable. After applying and pulling my credit report Kashable advised that I had been approved for a loan paid through payroll allotment. I was asked to submit 3 months of banking statements, a copy of my photo id, a copy of my social security card, proof that I set up an allotment to pay the loan, and a utility bill. Subsequently AFTER SETTING UP AN ALLOTMENT that I can longer cancel. I was advised the loan was denied. Kashable is on social media and has reviews of other customers who by virtue of photographs appear to be in their XXXX, XXXX and early XXXX. I believe that Im being discriminated against based upon my age.
Product: Debt collection

I tried to remove the debt through XXXX, I contacted XXXX on XXXX different times about how to remove this item. I got a statement that said I lied about the charges and since I lied they are putting back all the charges on my account. I contacted the Creditor XXXX  times in XXXX and asked them to remove the documents they told me no it was accurate. I contacted the creditors and had a conversation with them as well and that didn't fix anything. So my address and my ID Showing that it wasn't my debt and they said to me that they weren't removing it When I haven't lived in XXXX  since XXXX. I was in the XXXX traveling even up to XXXX XXXX where they updated my information on the creditor 's side. I tried to remove it a XXXX time and they refused to remove it. I never lived there I have an ID from a different state.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have requested verification or validation of this medical debt in question that's on my report. I have not received verification from the collection agency. It also appears that the collection agency did not report the validation or verification request to the bureaus as required under the FCRA and FDCPA. 

On XX/XX/XXXX I requested for the fourth time documentation including HIPPA release information about this debt.

I do not recall giving the original creditor permission to release my medical information. National Business Fact has failed to do that currently. I also still see on my credit report attached that has not been reported to the bureaus still as disputed I see multiple violations here and this needs to be public information. Please see evidence attached.