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

Wise ( Formerly known as Transferwise ) is falsely advertising instant transactions. 

On Saturday XX/XX/2023 I initiated a transfer expecting it to complete within 30 minutes. The app told me only after initiating the transfer that the money would not arrive for two days until Monday. 

Well I needed the money to be transferred immediately, so I canceled the transfer only to receive a message later on saying I would be refunded in four days. 

If for some reason the WISE app can't make the transfer instant then they should make WISE unavailable until they can provide instant service. They should also let customers know up front before transferring that service will not be instant or there will be a delay. 

No one enjoys being inconvenienced or prevented from doing what they want to do on a weekend especially when I need the money now.
Product: Debt collection

I have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2. Debt disputed with XXXX XXXX  while account was in good standing 3. XXXX XXXX  withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 
4. My last communication with XXXX XXXX  supervisor ( XXXX XXXX was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to XXXX XXXX blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. 

Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Consumer Loan

On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX. 
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.
Product: Student loan

When I started college in XX/XX/XXXX XXXX XXXX was the biggest lender out there to provide assistance. Fast forward to XX/XX/XXXX when I graduated my repayment was over {$900.00} more than my pay check was every two weeks. I went back to school because that was the only option I had until I could figure out how to pay my loans. I graduated with a XXXX degree. My payments kicked back in and my payment was {$980.00}. I do not know what world these student loan lenders get their interest rate, but no one realistically can pay {$980.00} and still survive. I called them and told them my situation, which was I was pretty much living off {$20.00} after paying all my bills. They told me because I made the payment of {$980.00} in XX/XX/XXXX and XX/XX/XXXX that they would not help me because it looks like I can pay my payments. I had to put bills in other people 's names because I could not support myself. In XX/XX/XXXX, I let my account fall behind because XXXX XXXX is to call you about the past due within 5 days. 5 days went by and I had to call them. WednesdayXX/XX/XXXX, I called and spoke to a financial adviser about what my options could be. After going through a million questions about mine and my co-signers income, XXXX XXXX offered me an extended repayment program at 2 % interest rate and a payment of {$340.00} a month. Both parties agreed on these terms. They sent me a letter in the mail stating what the terms were. I was put into a qualifying period for XX/XX/XXXX and XX/XX/XXXX to make sure i could pay the payment due, which is an automated debit every month. I made the XX/XX/XXXX payment no one called from XXXX XXXX to say my account was past due. I made my XX/XX/XXXX payment and XXXX XXXX who agreed to these terms with myself and my co-signer, called my co-signer 8 times to try and get her to pay {$1800.00}. Not happening. They called me and I spoke with them they wanted me to pay {$2000.00}. I the customer told them about the terms which I agreed to with XXXX XXXX and they told me that there was no note on my account saying I was in any type of extended repayment. If they continue to call I am not returning a single call nor will my co-signer. I stated on the phone with them I nor my co-signer will not be calling them back to continuously get worked up over the lack of communication this company has with its customers, but also within the company itself. XXXX XXXX will forever make you regret that college was ever an option to better yourself and make a difference in the world.
Product: Credit card or prepaid card

I used to have two credit card accounts with another bank, XXXX XXXX XXXX, and sometime in 2022 they decided to transfer those accounts to FNBO ( First National Bank of Omaha ), without letting me know nor sending me the new cards. The accounts got transferred, and since I was not notified of this nor did I receive any new credit cards, I was not aware of this transfer and nor can I set up an online account or even make payments. There were apparently some charges that got transferred with the accounts as well, so they were somehow carrying balances when they got transferred. I couldn't nor did I know to pay them off. So, those accounts ended up showing derogatory in my credit reports, and that's the time when I finally realize that they existed. I contacted FNBO several times about this issue, right after I notice the problem, and a few times after that as well. They recognize this issue, but they say they can not do anything about my credit report. They also said that they were going to finally send me the new cards. But until this day, I still have only received one card, and the other is still missing, and I still can't make payments to that account.
Product: Vehicle loan or lease

For the whole year of 2023 the company essentially reported that they did not receive any payments. They have received 30 payments so far and Im only behind by {$1400.00}. When you log into the account you can not see information like daily interest accrued or what the interest rate is Essentially my balance is more then what I originally singed for on the contract. They are deceptive and yes while I know my credit was not the best when purchasing the vehicle its not their choice to make it merely impossible to pay the loan down.
Product: Money transfer, virtual currency, or money service

I am writing to express my disappointment with the recent limitation of my PayPal account. On XXXX XXXX, I received an email from PayPal stating that my account has been limited and that I can not access certain features, such as sending and receiving payments. I was not given a clear explanation of why my account was limited, and I have been unable to use PayPal for my personal and business transactions since then. 
I have been a responsible and trustworthy user of PayPal for several years, and I have never violated any of the policies or guidelines set forth by the company. I have always used PayPal for legitimate transactions, such as online purchases and payments for goods and services. I have also followed all of the security measures recommended by PayPal to keep my account safe and secure.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, To whom it may concern at XXXX, To whom it may concern, at XXXX, I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score Oportun Progreso Finan Account number : XXXX in accordance with The Fair Credit Reporting Act the Public law XXXX, Title XXXX, Section XXXX, A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation. 

I would also like your company to provide the copy of the check from an account that I've never had. In addition I would like to see a copy of the driver license which you state that was verified. 

I look forward to your prompt attention to remedy my request. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # U S DEPT OF EDXXXX 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 a account without my written instructions
Product: Credit card

I have been paying my XXXX/snychrony bank card balance every month on the first of the month using my autopay feature from my bank. However, I have been hit with late fees as a result of " paying too early because the bill has n't cycled ''. When speaking with the customer service representative, she acknowledged that I was paying early but that the system does n't know how to process early payments. She was only able to credit me half of the late payment fees when I had asked for all of the late payment fees to be credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

*FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT FROM MYSELF *FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT
Product: Mortgage

here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did  and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will  not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?
Product: Debt collection

On XXXX XX/XX/XXXX, I contacted the VA ( Veteran Affair Nurse Practitioner ) XXXX, TN about an injury that I had. The VA instructed me to go to the nearest hospital ER for authorized service. Once there I gave the XXXX XXXX XXXX XXXX XXXX Ky the VA approval information ( insurance ). I was seen for service. The hospital billed the ER visit correctly through the VA, but the service provider bill was never sent to the VA for processing. In XX/XX/XXXX APP of Kentucky XXXX, XXXX contacted me about this bill. I provided the company my insurance information. I was never contacted via phone or letter that this bill was never paid. On XXXX XX/XX/XXXX I was notified by Cascade Capital Funding , LLC that I have a debt. I have tried to reach out to the hospital, APP of KY and Cascade to resolve this collection. with zero luck. I have been in contact with the VA, they are aware of this bill, but can not process the bill with the debit collector, only with the hospital. The hospital will not reinstate this medical bill saying that the VA doesn't pay for medical care with XXXX XXXX. Which is incorrect ; the VA authorized my visit. I have contacteXXXX XXXX XXXX XXXXXXXX XXXX, unfortunately this company has no jurisdiction over my complaint since the VA XXXX was going to cover this bill. I feel like I am going in circles, and I don't know the next step to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FCRA XXXX  ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX 2. XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. XXXX  XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 5. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE. XXXX 7. Dept. of XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 9. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdFL ) XXXX, DE XXXX 10. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFl ) XXXX, DE. XXXX 12. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) ) XXXX, DE XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX fl ) XXXX, DE XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX XXXX XXXX ' sent a payment in the amount of XXXX XXXX dollars, as a payment for tourist services. 
Sending bank : XXXX XXXX XXXX  ( XXXX ) Beneficiary bank : XXXX XXXX XXXX XXXX XXXX XXXX ) through JPMORGAN CHASE BANK , N.A . ( XXXX ) Bank Sender Reference : XXXXXXXX XXXX  : XXXX The beneficiary 's bank ( XXXX XXXX XXXXXXXX XXXX  ( XXXX ) ) after XXXX this XXXX sent it back along the route : XXXX XXXX XXXX JPMORGAN CHASE BANK- XXXXXXXX XXXX I have confirmation from XXXX XXXX XXXXXXXX that the payment was received by them and sent to JPMORGAN CHASE BANK 06 apr 2022 ( attached ). 

On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. 

We tried several times ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all our appeals are attached. ) to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Vehicle loan or lease

I paid off my car loan on my XXXX XXXX XXXX on XXXX XXXX, XXXX, and after calling them, going back and forth, visiting DMV multiple times, I still havent received my vehicle title as is today which is XXXX XXXX, XXXX. The bank who had my car loan is Westlake financial, they keep telling me thats a problem on releasing the lien on my title, which I went to DMV for verifying it. But what DMV told me is all they need is the bank release the lien on my title and they can give me my title right away. After dealing with them for over 5months, I lost my patience with them and start to file a complaint on them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX appears on my credit score. I do not have a XXXX XXXX XXXXXXXX card and I have never applied for one. 
Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$25.00} Credit limit {$5000.00} Highest balance {$1000.00} Hard Inquiry : XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Record details Inquired on XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024, the amount of {$1700.00} is indicated as paid to XXXX XXXX. Several calls were made before this date concerning it being a fraud by deception company with agents assigned working under the guise of a fake XXXX XXXX XXXX XXXX that disrupt home computers. Furthermore, it shows a dispute ID number as XXXX. At no point in time did I authorize this payment. The check # XXXX, is as fraudulent as the deceptive agency that submitted it for the payment. All my efforts to dispute and check on information about/over my dispute with this payment were met with no corrective actions being shown or acted upon. The most that I received was an email generated " response to request for documentation dated XX/XX/2024. It shows that on XXXX XXXX the amount was paid.
Product: Mortgage

My mortgage company is Freedom Mortgage. I have 1 day lapse insurance. it triggered to open an escrow account and enforcement insurance place. I took care of it and paid for that day lapse. Provided all my insurance informations showing that I have coverage from XXXX. They mailed me a letter saying that they were able to cancel the enforcement insurance but the payment still reflect in my statement. They still charging me {$57.00} inbound. I have numerous times and the representatives were clueless. They tried to do analysis and research, they keep telling me to call back 7-10 days to see the updates. It has been like this for months. I am so tired of this company. Ive put everything in writing and fax over to the escrow department saying that I want to purchase my own insurance and ask them to close it. I also emails and begging for me but they wont do anything. Can anyone help me?
Product: Credit reporting or other personal consumer reports

consistently ensured timely payments, so I'm puzzled by an error in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/XXXX Equifax reinserted an account back onto my credit report. I received absolutely no documentation from the dispute I submitted to Equifax for this account, not only is that an issue, but the fact that this account was reinserted onto my credit report and I received not document telling me why is a violation of my rights. 15 U.S.C section 1681i ( B ) ( i ) ( ii ) Requirements relating to reinsertion of previously deleted material, Equifax has failed to follow by the law set forth for me as a consumer.
Product: Credit reporting or other personal consumer reports

I hereby give notice two XXXX XXXX Equifax LLC and XXXX XXXX XXXX that I never gave my consent or authorization to post any information regarding the consumer report bearing the name or any derivative thereof as a result of this unauthorizedReporting my livelihood has been adversely affected. I will sewed dispute the accuracy incompleteness any information contained in this credit report.I challenge the reporting agencies to produce the law the authorizes any company or agency a right to report anything to a consumer reporting agency, or a law that allows said companies or agencies to impede commerce, thus causing injuries without a fiduciary obligation to remedy the damages.