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

Requested bank wire transfer on Friday XXXX. 
Bank wire did not go through review for 3 business days. 
First business day was before the cutoff time, and didnt got. 
Called everyday and was on hold for up to hour or so and was requested to leave a voicemail. 
At which point the voicemails were left on a daily basis for Ally bank Wire team. 
No one ever called me back. 
On XXXX, forced them to wait on hold with me for the wire team. 
They supposedly verified it all. The wire was confirmed and supposedly going through by XXXX that night. 
Next day XXXX, 3 hours into the new business day we are still missing money from the account, but no wire is received at the other end. 
This is the 4th business day XXXX, called in again, waited on hold, and was lied too multiple times. 
They said it needs to be reviewed again. I asked how this is possible since we did that the other day. " Sorry, says its processing, so its at the fed, and nothing we can do now ''. 
Since this rep just stated falsely prior to that, I asked him to check on it. 
He came back with " actually yes it still in queue for us to process it out to the fed, so you can cancel it if you like '' I asked to speak to his supervisor due to the false statements, and to understand what can be done here. 
They attempted to cancel the transaction, and said the money would be refunded back to my account within 20 minutes. 
2 hours later Im on hold again trying to push this through. 
XXXX XXXX They had me on hold, finally told me that none of the cancellations i Was told about actually went through and there is someone actively working on it for them to send it through right now and do I still want to cancel?! What do you mean? The last supervisor didnt cancel it either?!
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I attempted to log in to my CITI account. Previously, I was able to log in and access both my CD account and credit card account under the same log in. I spent at least 3 hours on the phone, being bounced around between departments and people. I spoke to at least 10 different people on the phone and even more through their chat services. After wasting half of my day to this, I was finally able to log into my account again, but found I was only able to see my credit card. On XX/XX/2023 and XX/XX/2023 I have tried 10+ times each day to attempt to regain access to my CD. However, nobody has been able to help me. Everyone just transfers me to someone else. Nobody is able to tell me what has happened either.
Product: Mortgage

I have written US Bank numerous times about a {$1300.00} fee that was charged to my account on XX/XX/2019. This was " advance '' billing for some potential foreclosure costs that never actually took place. I originally argued with US Bank that charging this fee on a {$50000.00} loan was unreasonable. It is but i have learned since that RESPA requires the underlying work that actually underpins the fee must have been completed in order to bill the customer the fee. In many letters I have indicated no court fees were ever incurred and the lawyers never got the material from US Bank to start the foreclosure paperwork and I paid off the loan balance due before that. US Bank has no justification for this fee and needs to refund it.
Product: Checking or savings account

I usually always had an issue when a payment was processed and I had the funds in my account or there were too many fees coming out at one time which caused me to be in the negative multiple times to which the account XXXX XXXX up closing
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO
Product: Credit reporting, credit repair services, or other personal consumer reports

I was negatively affected by the XXXX data breach. I called Transunion to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask Transunion to keep a file on me - they do not have my authorization. I do not like the fact that Transunion furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( XXXX, XXXX  and Transunion ) from charging the public to undo the harm to the average citizen 's credit they cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was alerted that my name, address & SS number were used to open an online line of credit with a company named " XXXX XXXX XXXX' in XXXX, WI and made a purchase to buy products from this company. I called the company directly and was able to put a lock on the account to prevent future purchases while they investigated my Identity Theft-Fraud claim. The shipment was not sent, so I was not liable for cash. Two more attempts were made to make purchases on XXXX & XXXX, neither which went through. No more attempts were made. I followed up with a letter to the company to confirm my statement. After several phone calls and being given the run around, on XXXX, I sent a letter from a template available on IdentityTheft.gov to request that my credit report be amended and that the Hard Inquiry of my Credit Report be removed. I also requested that I recieve a letter confirming that the account had been cancelled or closed and that they were sending information to XXXX to remove the Hard Inquiry on my report. I got USPS confirmation that the letter had been received on XXXX. I did not receive the confirmation letter, nor has my credit report been adjusted to remove the Hard Inquiry. I called again on XXXX and was told that the account was closed and I was not liable. The person I spoke with claimed that a letter was sent on XXXX. I did not receive any letter. I was told another letter would be sent and verified the address. It is now XXXX and I still do not have that letter. 
Company I have the dispute with : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX, requesting to remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the December 3, 2022. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Product: Vehicle loan or lease

I contacted Ally Financial Auto Leasing twice before turning in my leased vehicle. I wanted information on how to turn it in early and what the cost would be. I was given all the info I needed and was given a payout cost, which was satisfactory to me. On XX/XX/2019, I turned in the vehicle to a local dealership. As I was turning in the car, I was on the phone with an Ally representative. The representative again told me exactly what to do, then she talked with the salesman and a manager to get some necessary information from them. I signed the odometer statement, per her instructions, and gave over the keys to the dealer. Since that day, I have received multiple calls from Ally bank claiming I was past due on payments. I called them back, multiple times, entered into an online chat, and sent them emails, trying to rectify the situation. Each time I contacted them they claimed they didn't know I was turning in the vehicle, claimed they didn't have any information about the dealer I turned it in to, and claimed I was past due on my payments. Today, XX/XX/XXXX, I called them yet again ( I believe for the 7th time ) to try and get this situation rectified. I asked for a supervisor, waited on hold, then talked with a supervisor. He said that he couldn't help me and that I had to talk a different department. He transferred me, I was on hold for 15 minutes or so, then the new department picked up. Less than a minute into the conversation she hung up on me - no one called back. 

After 30 days, seven phone calls, one lengthy online chat, and a couple emails, Ally still hasn't picked up the car I turned in. I did everything they asked and gave them answers to all of their repeated questions, yet still they haven't picked up the car and closed my account. I'm concerned my credit rating will be affected since they keep claiming that I haven't turned the car in and that I am behind in my payments. All they need to do is what they originally promised : They need to pick up the vehicle and send me a bill for the residual owed amount. I have no idea how to get them to do this.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the District of Maryland stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account reported by Westlake Portfolio Management on my credit report as a repossession. This is incorrect, as the vehicle in question was not repossessed, but rather traded in. 

The account has been inaccurately marked as a repossession despite the fact that there were no late payments on the account. I have requested proof from the company to validate the repossession, but they have been unable to provide any such documentation because the repossession never occurred. 

This incorrect reporting is damaging my credit score and reputation. I respectfully request that this account be updated to reflect the correct status of " Paid as Agreed, Never Late '' or be removed from my credit report entirely.
Product: Debt collection

XX/XX/XXXX I was working for XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXX XXXX On The Job and Went through Workers Comp and was paid and told by my Attorney XXXX & XXXXXXXX XXXX XXXX XXXX ) That ALL MEDICAL BILLS Would be paid for and not to worry XX/XX/XXXX a collection debt appears on my credit report stating I owe {$1000.00} dollars from a debt collection called Wakefield & Associates I dont own this collection when I was seen through workers comp I have documents showing proof and Ive been trying to get this removed immediately off my credit report because its hurting my score to even purchase a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Approximately one month ago I contacted Wells Fargo Bank, to reconcile a charge on my Wells Fargo credit card that all parties agreed was an accident ; my girlfriend charged our credit card ( she is the only authorized user on my credit card, for having never had a credit card in her life, ever ) and she agreed to change to a different method of payment and did so successfully on the XXXX web site, before we both contacted Wells Fargo to dispute the charge-my girlfriend changed her method of payment before Wells Fargo Bank registered the original charge in their computer database. When she and I called them, they grossly mistreated her and refused to talk to her, claiming they could only talk to me ( which the Wells Fargo Customer Service Department was proudly proven wrong, for, with the shift XXXX reprimanding several phone representatives for refusing to recognize my girlfriends right to talk to them, as was her well established right, as an authorized user on my account ; they regretted mistreating her when I was done with them ). Nonetheless, after an extensive dialogue with the Wells Fargo Credit Card Division shift XXXX, in which he agreed that because my girlfriends was changed to another method of payment and the Wells Fargo Credit usage was an honest mistake, the Wells Fargo Credit Card Division shift XXXX guaranteed that they would smooth things over with XXXX and that I would not be held liable for the charge originally put on my credit card. My girlfriend and I were told that Wells Fargo would take care of it ; roughly 2 weeks later she gets a bill in the mail for the original charge and calls me asking what to do. I told her call Wells Fargo and dispute the charge ; I called them as well and the shift XXXX was surprised and disappointed that it was taking an unusually long time for the charge to be arbitrated off my account, even though arbitration was the only way for Wells Fargo to arbitrate it off my account. My girlfriend and I were told not to pay the bill, as this would confirm the charge and confuse the issue ; wait a month and this issue would be resolved. Yesterday marked over a month ( closer to XXXX weeks ) and now I have XXXX ( my credit reporting agency ) downgrading my credit rating, from borderline good ( yellow to green ), to down XXXX points to just yellow, because Wells Fargo Credit Card Division has failed to arbitrate the charge off my account, as they promised they would and could do, easily. My girlfriend called them and they asked for a month extension, claiming they would fix the problem. I want them held accountable for failing their promise and victimizing me with a downgraded credit rating, because of their failure. Wells Fargo Credit Card XXXX promised and failed to deliver ; now theyre using time extension to bluff their way out of the promise they made and this is breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX P, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights.

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax websites have not been working correctly for years now. I have disputed several items on my credit report but every time I call to get a status, the customer service reps tell me that they can not authenticate my identity. I have answered several questions as they requested numerous times and still I can't get any access to get a status. I understand that Equifax outsources their customer service from XXXX and other XXXX countries but it is hard to get any type of help with my report. 
Also, I get confirmtaion emails staing that my dispute is complete but the website never works and it has been like this for 4+ years now. 
Please help!!!
Product: Student loan

I am the cosigner of my son 's loan. He has been unemployed for several months due to having XXXX in the beginning of the pandemic. After returning to work he was injured on the job and had XXXX which put him back out of work without pay. He was then terminated from his job and has not received any wages or unemployment wages. He obtained new employment however was injured on that job as well which caused him XXXX stitches. Do to his most recent injury. He is unable to work at this time per his doctor. He is currently out without pay again. Prior to all of this we utilized Sallie Mae 's lower repayment option and their deferment option however they refuse to offer any other options. 

I am not in a position to repay the loan at this me. Our household has been gravely affected by the pandemic. We are severely behind in our rent due to loss of employment for several household members which otherwise would be able to contribute to our cost of living.