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

I have been using Wise for over XXXX years to send money to relatives and friends who are XXXX XXXX struggling to stay alive in XXXX XXXX 
XXXX person has XXXX XXXX and I have been paying for their XXXX by sending {$170.00} every month to pay for their health insurance in XXXX. 
Another person and her daughter are now in XXXX XXXX person has had a XXXX XXXXXXXX XXXXXXXX XXXX and a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX She now has had XXXXXXXX XXXX  to stop any chance of her getting XXXX again..Her daughter who is with her I sent money for room and board, but because Wise has had my account on hold lost her place to live and is now living in a XXXX. 
The third person is like my step daughter who is in XXXX trying to sell the apartment that her mother owned that was given to me as payment for all the help I have given her over the last XXXX years ... It has been shelled by XXXX XXXX and I have had to make numerous repairs to get it ready to sell.. 
I have been doing business with Wise for over three years with no big problems.As of XX/XX/XXXX I was able to send money. XX/XX/XXXX happened and I have been utterly, miserably stop from helping support these people..Wise has claimed that due to bank regulations they had to review my account..I have given them proof that they needed and have called everyday to their support team and nothing has been done..I asked for my money to be returned and they claim they can not do that until their checking is done..For 12 days they have tied up over {$1200.00} of MY money ... I am tired of their excuses and do nothingness. 
That is why I am writing..People are starving and helpless without me..Enough is enough.. 
I am a XXXX XXXXXXXX XXXX, I also have a spouse who had XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX..I do not deserve to be treated like a criminal.
Product: Student loan

On XX/XX/2016 I submitted a complaint about my student loan with Sallie Mae bank. The case number to XXXX is XXXX. I do not believe the response from the company was truthful. In their review of the case Sallie Mae referenced XXXX phone calls that were on recorded lines, XXXX was on XX/XX/2016 and XXXX on XX/XX/2016 On these phone calls the company said that they did not intend to harass me or my parents into making payment and the " consequences '' of not making a payment. They furthermore said that the representative informed me that that both loans would not be included in my repayment plan which they did not. I am writing to request Unedited Transcripts or recordings of these phone calls be sent to me directly. I believe that would settle the issue of wrongdoing.
Product: Mortgage

I placed my check in the mail on XX/XX/XXXX, freedom mortgage held my check for a minimum of 6 weeks without cashing it. Sent me 4 letters of late payment, contacted my bank in regards to a late payment which dropped my credit score by XXXX points. I received my XXXX statement showing a double payment, assuming they lost my check, I mailed the double payment. They cashed both checks within a 24 hour period. Emptying my savings account and putting me in overdraft. When I contacted them, they blamed the post office. 2 letters mailed 30 days apart don't arrive on the same day. Statistically impossible. This is the XXXX time they've lost my check since buying my house.
Product: Credit card or prepaid card

I applied for a XXXX XXXX secured card and I thought I messed up on the application so I redid the application.The first time I did the application I was approved, the second time was denied, I did not know doing the application over would give me a hard what ever it's called, the applications were to the same card, I was wondering if that could be reversed on my credit.Had I have known I did the application right the first time, I wouldn't have redone it.Please help
Product: Bank account or service

First, chase closed the chase XXXX card by mistake. On XX/XX/XXXX, I found my account was closed suddenly and several days later, I received a letter from chase said the account was closed upon my own request. But I did ask anything at all. I never called chase hyatt card and neither I sent a message to close my account. So I called chase and they admit it was their mistake and they reopened the card for me without any apologize. 

When I thought everything will be fine after that, I found my account was charged by an interest fee. Then I found the fee was because my last statement was not paid in full. How come? I clearly remembered I set up the auto pay with full statement amount, I had few chase credit cards and I ALWAYS pay full amount, I never miss one payment and I pay every single statement with full balance. So I personally think chase restored the setting when they re-opened my account. I have talked with the customer representative but they said the system wont able to do that. I agreed with him before, but thinking about the mistake happened to my account before, I really feel like the system was not secure. 

Just now, I was talking with XXXX customer representative. First one named XXXX, who is very polite and willing to solve my problem. But after he transfer me to the supervisor, whos name is XXXX XXXX according to him, everything changed. He is the rudest, slowest the customer representative I have ever met, he is not responsive at all, he always make me feel like he is not with the phone and he is not trying to solve the problem at all. Please pull out my phone call at XX/XX/XXXX, XXXX center time. 

Overall, there are mistakes by chase, and chase representative is not willing to fix the mistakes and the customer service XXXX XXXX is not professional at all. Though i love chase bank a lot, the customer service really changed everything.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the persistent challenges I have encountered while attempting to rectify an erroneous charge off on my credit report. Despite multiple attempts, the charge off remains on my credit file, impacting my creditworthiness and causing unnecessary distress. I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent item remain on my credit report. Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. This fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent item on my credit report, including a review of all supporting documentation I have previously submitted. Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent item from my credit report. I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

ill call the companies trying to resolve this problem with them unfortunately they can't send me the information regarding this accounts or contracts sign
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with TransUnion, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.
Product: Mortgage

I am currently in the process of selling my mobile home. My current lender states that they can not provide me with a copy of my title that my buyer needs in order to close. Because of this, I had to get a copy from XXXX. In order for XXXX to release a copy of my title, they need a letter from the mortgage company saying they have permission to print out the title ( being that they are the lienholder ). Which at that point, the original title would be sent to them and a copy would be given to me so I will be able to close. The mortgage company refused to send a letter for permission to XXXX. They are holding up the sale on my mobile home.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.
Product: Credit card or prepaid card

Citigroup has a government contract to implement the federal charge card system, SmartPay 3. Citigroup is currently currently conducting age discrimination against 18 - 21 year olds due to their new firearm policies that runs counter to laws and regulations passed by Congress, and infringe and discriminate against an individuals Second Amendment rights. Citigroup should not be allowed to have government contracts when they are flagrantly violating the rights of the very individuals who are forced to utilize their products.
Product: Checking or savings account

Charged a Over draft fee when the account never went negative. transactions on XX/XX/18 supposedly caused an over draft fee. but ending balance for that day was XXXX with the opening balance on XX/XX/18 was XXXX no where in my statements or ledger does it show her account going negative i have screen shots of this to provide if needed
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$5000.00} USD from my Wise balance to an XXXX  bank account belonging to " XXXX XXXX XXXX XXXX, '' an XXXX  travel agency ( a PDF copy of this transaction is attached below. ). The purpose of the transfer was to pay for a 10-day travel package, including flights, accommodation, and transfers. 

The next day, Wise requested additional information, citing potential sanctions law concerns. I responded promptly with all the required details. Nine days later, I received another request for further information, which I provided, including a detailed itinerary and invoices. At this point, I also requested the transfers cancellation and a refund, as the travel booking was no longer valid. 

Despite my repeated follow-ups with Wises support team by phone and email, Ive only received conflicting updates. Yestarday, 18 days after the original transfer, Wise informed me they are " reviewing '' the transaction, even though earlier communications claimed this was already underway. 

The money has not been sent to the recipient ( so it is in Wise 's possession ), and Wise still hasnt addressed my cancellation request or issued a refund. Ive repeatedly asked for explanations but received no clarity or timeline. 

This situation is unacceptable. The {$5000.00} represents my monthly income and is essential for my living expenses. I urgently need Wise to process my refund without further delay. A PDF of my email correspondence is attached.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and Trans Union are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. XXXX XXXX XXXX Privacy policy states " To Protect Our Rights and As Required by Law : We will share Personal Information where we are legally required to do so, such as in response to court orders or legal process, to exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law. We will also share Personal Information as necessary to enforce any other terms that you have agreed to, including to protect the rights, property, interest, or safety of XXXX, its users, or any other person, or the copyright-protected content of the Services. With Your Consent : We will request your permission to use or share your Personal Information for a specific purpose that is not compatible with the purposes listed here. We will notify you and request consent before we provide the Personal Information or before the Personal Information you have already provided is shared for such purpose.I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.
Product: Debt collection

My XXXX XXXX XXXX financed with Ally Financial, I'm at the end of my finance contract. There is a vehicle repossession fee added to the balance that is owed. Vehicle never was reposed. Spoke with Ally customer service several times. Ally refuse to make adjustment for the repo fee on account. Please assist me with getting this issue resolved. I'm questioning late fees that's added to account, Ally Customer service stated payments were paid on the XXXX or before the XXXX of every month. Ally records show payments due XXXX of every month. Ally has been charging late fees for the wrong payment due date payments are due on the XXXX of the month
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Has a false or unknown social security # on my account and will not block or remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a number of inquiries that I did not make and did not authorize. I believe that someone was attempting to gain credit in my name. Fortunately, a number of them contacted me to verify that I had made the applications and I informed them that I did not. They stopped the applications, however, they did not remove the improper and unauthorized inquiries. 
OneMain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It appear that many of them came from the same dealer attempting to gain approval and sent the paperwork to many lenders resulting in a substantial number of inquiries due to whoever was attempting to use my credit and identity to purchase a vehicle.
Product: Mortgage

My FHA mortgage was serviced by  Caliber  starting in  XXXX . I was having financial difficulty in  XXXX  and  XXXX  of  XXXX  and called Caliber. I spoke with someone regarding adjusting my payment. After going over financial information I was told that I could break my payments up for the next several months to get back on track. I was told that by doing this I would not damage my credit and not have any other adverse effects. I made payments to them and did get my payments back on track until I refinanced in  XXXX . I found out that they did indeed report I was 30 days late to the credit agencies  XXXX   XXXX  AFTER they told me they would not do so. I sent them a letter  XXXX  telling them I was disputing it and that it should be marked disputed. All they did was send me a copy of my loan agreement. The late payment is still listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a mortgage with Bank of America that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. Bank of America did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with Bank America that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. Bank of America will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting Bank of America monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX  with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$10.00} XXXX XXXX XX/XX/XXXX {$470.00} Late Payment XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiries NAME : XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX