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

XX/XX/scrub>XX/XX/2024- I sent money from my Wise account to a Partner using XXXX XXXX Bank Co in the amount of {$2000.00} USD. The money was received, however my partner was unable to withdraw the money as the beneficiary was labeled as the bank.

XX/XX/2024 I had called Wise to request a change to the beneficiary to be made to my partners name so that they could be able to withdraw the money. I was told over the phone that this was no possible to do as the transfer has already been completed. I was told that we would need to contact the bank directly and have the transfer canceled from XXXX XXXX Bank Co.

XX/XX/2024 My partner contacted XXXX XXXX Bank Co and requested that the transfer be canceled and sent back to me. XXXX XXXX Bank Co canceled the transfer and I was provided with documentation of the canceled transfer.

XX/XX/2024 I reached out to Wise to understand when the money should be returned to my account. They told me that it can take up to 10 business days to receive the money. I explained to them the situation as well and then informed me that I could've changed the name of the beneficiary, which on the XXXX I was told from Wise that I cant do that.

XX/XX/2024 I reached back out to Wise as I still have not received the funds back into my account and it has already been past the 10 business days that I was told I would need to wait. Wise does not know where the money is.

XX/XX/2024 I contacted Wise and escalated the situation. Wise told me that they will create a trace request and reach out to XXXX XXXX Bank Co to understand where the money went.

XX/XX/2024 I again contacted Wise to get a status update on the funds. Wise has informed me that they do not see anything at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello hope all is well, I was viewing my credit report and notice that I had inquiries that are definitely linked to identity theft. My mind is blown because the amount of inquiries that are on my report are stopping me from helping my mom get the house and a XXXX XXXX to protect her. Ive been trying to figure out how these culprits could have gotten my identity but Data breaches have been happening all throughout different businesses that have personal information. These inquiries are ruining my life. I have been doing research on the law and according to the FCRA all fraud inquiries must be blocked and removed within 4 days. Now I also read on forums that you try to rescind the order but that is a violation because I am a victim and I am letting you know that my information was stolen. You must follow the law that was put a side to protect me and others who have been abused. My life changes when you stand with justice. Please get this off my report right away. I have attached the FTC report with all the inquiries attach to it that must be removed with in 4 days. I also attached proof of my id. & a proof my address with a utility bill. 

God Bless You all.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im receiving multiple calls from Wellsfargo XXXX everyday. Im a XXXX  XXXX  individuals which means while Im out trying to make a living theyre calling. This is getting to be stressful! I added my phone number to the do not call registry and Im still receiving calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named XXXX and XXXX XXXX in the amount of {$11000.00} appeared on my credit report XXXX of 21. I disputed the item as not mines and asked Experian as well as XXXX and XXXX to investigate, They claimed the account was verified although the account has a different last name, Date of birth than my own as well it has an address i never lived at.
Product: Credit reporting or other personal consumer reports

i ve been in the XXXX XXXX XXXX XXXX  for years and my own family members used my identity and opened accounts under my name so many times and even got phones and internet under my name and opened all these accounts while i was XXXX XXXX i called the cops and made a case 3 time the last one was ( case number : XXXX ) agent XXXX and i went to a lawyer to threaten them by law that i will sue them i attached the letter it was in 2019 and still everything is on, in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information is inaccurate these are all the tracking number for all these certified letters : XXXX XXXX XXXX XXXX XXXX XXXX police report : case number : XXXX agent XXXX
Product: Credit reporting or other personal consumer reports

I'm trying to access my credit report online, but my account is linked to an old email address that I no longer use. Unfortunately, I can't update the email through their online portal, and Experian makes it incredibly hard to find a customer service phone number to speak with a representative. I did manage to find a number ( XXXX ), but it wouldn't connect me to a real person. The automated options it offered didn't lead to a way to reach a representative or resolve my issue. Experian effectively locks customers out of their accounts and fails to provide adequate solutions for regaining access.
Product: Checking or savings account

I was banking with chase from I believe XXXX of XXXX until XXXX of XXXX and someone hacked into my account and began doing fraud. I contacted them trying to resolve the issue and they stated they couldnt do anything about it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2016, I ( XXXX XXXX ) have tried on numerous occasions ( thru the attached documentation ) to explain to bank of America, that my prior checking account had received fake checks deposited that do not bear my signature or identification, but have been unable to get this information resolved ; I had misplaced my debit card. 

Please see the attached information. 


Thank you, XXXX XXXX
Product: Debt collection

I tried to close my checking account with US Bank in XXXX Ohio in XX/XX/XXXX. I emptied my checking account and walked out of the premises. On XX/XX/XXXX my account ( unbeknownst to me ) went into collections with US Bank and was sold in XXXX to XXXX XXXX XXXX. I received a collection notice in XXXX of XXXX from XXXX XXXX XXXX XXXX  for the debt for my account in the amount of {$160.00}. On XX/XX/XXXX I sent a letter acknowledging the debt to XXXX XXXX XXXX XXXX with payment requesting the debt be acknowledged as paid off and the record removed from their database. I received the return receipt from XXXX XXXX XXXX XXXX and have not since seen a complaint on my credit report in regards to the debt. 
On XX/XX/XXXX approximately XXXX EST I received a phone call from XXXX at XXXX XXXX XXXX XXXX stating I had accumulated debt and interest of {$1400.00} for the former US Bank account that was sold off in XXXX. XXXX then stated that XXXX XXXX XXXX had sent letters to previous addresses notifying me of the debt. I requested she send the letter to my current address and she stated that they didn't have to because it costs money and they are only required by law to send two letters. I was then sent a letter of demand via email stating I must notify the office within 24 hours if I choose to dispute or the debt is assumed valid ; furthermore I had to notify the office within 7 days in writing requesting verification. 
If I'm reading this correctly I have 30 days to respond by law, not 7, and certainly not 24 hours.
Product: Prepaid card

I received two digital American Express Reward Cards ( totaling {$150.00} ) through my employer fitness program and am unable to make any purchases online with them. I have attempted purchasing directly with the card number as well as indirectly with XXXX XXXX and XXXX. Additionally, I am unable to add the card to XXXX to attempt purchasing with them. I have also attempt to contact the company through the number they provide, but do not receive any method to speak with an individual to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  -Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information. other than records of convIctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Today XX/XX/2021 I received a test message I believe to be a scam or phishing. I keep getting text messages on my phone saying my Amazon account is locked for security reasons. They want me to verify payments at : https : XXXX? XXXX CASE ID : XXXX! QH I received this notice today at XXXX on my cell phone. This is the third time I have received a notice like this that I have not idea where it comes from. The phone number it originated from is XXXX
Product: Credit reporting

Experian has incorrect personal information to my credit report. Someone much have a name similar to my name the name and DOB is incorrect please remove anything that is associated with that name and DOB XXXX XXXX/INCORRECT/DELETE XX/XX/XXXX INCORRECT/ DELETE
Product: Payday loan, title loan, or personal loan

I contacted Check n Go on XX/XX/XXXX to complain about the loan terms and their unfair practices to consumers. They logged my complaint XXXX and stated they will get back to me. I received feedback on XX/XX/XXXX basically telling me that I agreed to the terms and they could not help while the loan was active and would not be able to settle the account or come to an agreement until the account was in collections. My thoughts, if I wait for the account to go to collections, then it will be on my credit report, which I am trying to avoid by asking for assistance before it got that far. In the state of Pennsylvania, payday lending is considered illegal according to the Check Cashing Licensing Act of 1998, 505 ( a ). Pennsylvanias Loan Interest and Protection Law ( LIPL ) prohibits lenders to charge an interest rate in excess of 6 % per annum on a loan amount less than {$50000.00}. The Pennsylvania Supreme Court set a rule in XXXX that all lenders ( in-state and out-of-state ones ) willing to give loans to Pennsylvania borrowers must abide by the state laws. I will also file a complaint with the Pennsylvania Department of Banking, since I am and always have been a Pennsylvania resident. The identification and everything else used in the transaction was from the State of Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ones again the ruthless investigations of Transunion dont have any meaning with information from 2019 from a third party that isnt the furnisher and doesnt match Ones again he can see how ruthless can be Transunion against consumers Im requesting again to Transunion to stop their ruthless actions If that is true so Im requesting from transUnion the original contract from XXXX  XXXX and XXXX  XXXX  and stop XXXX XXXXlying That aint even a recent investigation That is from 2019 form a third party What is XXXX. Investigation which I dont consider any credibility at all
Product: Credit reporting or other personal consumer reports

I was a customer of XXXX XXXX XXXX with an XXXX XXXX XXXX for many years. Recently, I paid the account in full and closed the card. I verified with customer service that no additional action was required on this and I could consider everything paid and closed. I had not received any future statements and recently was advised a negative mark was placed on my credit dropping it a whopping XXXX points stating I had a past due balance that went beyond 30 days. When calling the company, they advised it was interest that came in after the account was paid in full and closed and there was a charge from a company that I had not authorized in the amount of {$34.00}. I paid the balance they stated was owed for interest and the one charge and they are refusing to remove the negative mark on my credit despite it being their error. I respectfully ask for assistance in getting this negative mark removed from my credit to restore what has always been an excellent credit rating. The representative I spoke with stated they don't do courtesy removals of negative marks they leave on consumers credit reports, however the error is on their end and I am being penalized for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how Equifax came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Money transfer, virtual currency, or money service

I have requested access to my crypto.com account since XX/XX/2024, due to new verification phone number. All the verification methods they offer don't work. They continue to send apology emails and ask for verification data. This verification information has been provided multiple times, including copy of my driver license.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have disputed with XXXX for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with XXXX on numerous occasions and they have stated that the items were verified. To that end, I disputed with Darnel Recovery, the third party collection agency that is reporting this inaccuracy as well. Darnell alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what Darnel alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. XXXX has allowed Darnel Recovery to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.
Product: Debt collection

On XX/XX/XXXX, Portfolio Recovery Services sent a notice about a debt. I mailed a certified letter on XX/XX/XXXX requesting the agency stop calling me about this debt as I have been disputing it as it is the result of identity theft. 

This company continues to call me as most recently on Saturday, XX/XX/XXXX, and basically daily - multiple times per day - so this communication is now harassment.
Product: Credit reporting or other personal consumer reports

I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft I found a account on my credit report that were not open by me. This was been hurting me as I am trying to by a family home. Please remove the fraudulent account from my credit report as soonest possible XXXX XXXX XXXX XXXX. I am also attaching my Driver licensed copy, Social Security, Utility bill and identity theft report. 

THANK YOU SO MUCH.
Product: Bank account or service

Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to XXXX.