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

I wanted to pay a pending invoice to my outsourcing vendor in XXXX from my business account at XXXX and given that XXXX outbound money transfer was expensive, I opted to use wise.com for international money transfer and paying the vendor. It was 75 % cheaper. 

I signed up on wise.com on XX/XX/2023, filling in my business details, shareholding, XXXX number, Business Name, DBA, Address, Shareholders name and addresses, DOB, and all personal information they needed in order to process the account. 

Next step was to take picture of my ID and myself live on camera and I did that too. After that step I was asked to connect via XXXX to my business account and I finished that process and then initiated a transfer on XXXX XXXX itself. 

I got a transfer confirmation email with subject " Your transfer # XXXX '' on XX/XX/XXXX itself. I sent a XXXX message to my vendor immediately as under " Just paid XXXX invoice. XXXX XXXX to your ac is showing XX/XX/XXXX Amount is XXXX USD '' I got a message from My vendor last week that they did not get the funds in account and wanted me to follow up. 

I tried to login to wise.com but it showed that my account was deactivated. I got no email, no notice, no documentation request, nothing from Wise on this action. I logged into my chase account and didn't see money withdrawn from my business account. 

I followed up via email to get a written response but have not been provided XXXX with exact reason for deactivating my account. This is a new business, they verified it, then they got my personal Identifiable information and connected to my bank and then they deactivated account without notice or giving any specific reason. 

I need full disclosure please on this. Even if my account gets reactivated, I will need to know why it was deactivated. If others are treated and get their account opened, I feel I am discriminated against without giving any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with Experian to address inaccuracies on my credit report, but they have not taken any action to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring Experian complies with its legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account reporting a past due payment with XXXX XXXX and I have submitted documentation. All I get back after waiting month after month is this account has been updated and nothing changed. 


Second is XXXX XXXX  is reporting an account that is not mine. I paid the month they have in question and submitted documentation to prove it on my account number. I dont know what account that is I never owned it.
Product: Credit reporting or other personal consumer reports

This file was removed and reappeared. It is over 7 yrs of age. Also, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Account Original creditor XXXX XXXX XXXX Account number XXXX. REMOVE IMMEDIATELY .... 
I will sue both Credit bureau agencies, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX 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 reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to address significant concerns regarding errors in my credit report. During my review, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, and accounts that do not belong to me. These errors are incomplete, inaccurate, and unfair, and they are negatively impacting my financial stability.
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. 

Account Name : XXXX XXXXXXXX, Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name : XXXX  XXXX XXXX XXXX, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX and Account Name : N/A and Account Number # 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. 

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Recently I reviewed my credit report and noticed fraudulent accounts on my report. At some point, i was incarcerated when these accounts were open. I've called and asked how are they verifying my identity at the time these accounts were open, but no straight answer or the info they obtained which was stolen. 

I would like to attach my driver 's license, social and proof of address, but can't upload more than XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This complaint is regarding lack of transparency in sharing Credit Score by the credit bureaus. This particular one applies to my recent interaction with Experian on XX/XX/XXXX. I saw my score dropped by 4 points since last month. Earlier, it was a long 9 points drop on the note that " one of my credit card had closed and the file was thin ''. However, I haven't had any hard inquiries on my file since XX/XX/XXXX. When I ask the representative how did they determined my current score at XXXX. The agent replied I should check with my Credit Advisor. Now, I don't know who is that? So, I asked for who were they referring to? The agent replied-check with the bank because the bank provides them the info. Now, I have not missed any payments and all my credit cards current - and, this info. also shows on their credit reports but why my score went down? the agent had no answer. I plan on applying for a refinancing but with a score of XXXX my chances of getting a good rate is beyond bleak. I am disadvantaged. It is difficult to get a home where I live on top of everything else my score which is the only important tool for me to negotiate with lenders is putting me down in the game. 
I would like to request your office to share any guidelines for an everyday consumer like me who have no idea how this most important area/scoring works? Or, if there are no guidelines and it is up to these 3 credit bureaus to run our lives then I must write it is time that we need to take a look at the current system.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXXXXXX XXXX received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXXXXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent Transunion and XXXX documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the XXXX XXXX XXXX XXXX is hit and miss. TransUnion says they have no credit score on me at all. These credit bureaus are getting me denied credit basic on me receiving only {$5000.00} dollars a month income when my monthly income is over {$16000.00} XXXX a month. There claiming I'm under water by {$10000.00} dollars monthly, when I have never missed a payment. 

XXXX. TransUnion - NO SCORE XXXX. XXXX - XXXX XXXX. XXXX - XXXX Overall, I have NO LATE PAYMENTS, and they changed my correct income of {$17000.00} per month to {$5000.00} per month, why I have no idea. 

According to the CFPB false and misleading information sent out by the XXXX major credit bureaus is against federal requirements and must be corrected immediately. 

( XXXX ) False, deceptive, or misleading representations or means. 

Overall, my credit has been evaluated for over XXXX  years, it's impossible for me to have such low scores and NO SCOREs at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation- accounts are inaccurate. 
Not mine, no knowledge of accounts PO number XXXX
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. 

Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 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 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: Mortgage

I SPOKE TO A REPRESNATIVE NAMES ONLY XXXX AND TOLD HIM I HAD A SIGNIFICANT CHANGE IN CIRCUMSTANCE AND WANTED TO RETAIN MY HOME NOTHING ELSE, HE STATED HE WOULD KEEP IN CLOSE CONTACT WHICH HE NEVER DID AND REQUESTED NO UPDARTED FINANCILAS WHICH I THOUGHT PECULIAR BECAUSE WHAT HE MAY BE WORKING OFF OF WAS OUTDATED AND DID NOT PORTRAY THE ACCURATE PLETHURA.I RECEIVED A LETTER RECENTLY THAT REALLY GAVE NO TIME TO RESPOND BUT I HAD TO MAKE THE TIME.IT IS REALLY A FLAW TO NOT PROVIDE ADEQUATE TIME TO RESPOND, I AM A STATE WORKER RECENTLY RETIRED AND GOING THROUGH A DIVORCE, THER EIS NO OTHER PLACE TO GO, WORKING OVER 30 YEARS TOI BECOME HOMELESS.O WANT TO REMAIN IN MY HOME AND HAVE GARAUNEED INCOME.PEOPLE HAVE BEEN MODIFIED FOR LESS OF A HARDSHIP FROM WHAT I READ AND SEEMTHE LETTER FROM SLA WASNOT EVEN WHAT WE SPOKE ABOUT, I FEEL DUE DILIGENCE WAS NOT DONE ON MY CASE.HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written consent to furnish these accounts. 

XXXX XXXX account # XXXX # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  account XXXX XXXX US DEPT ED account # XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to XXXX XXXX XXXX. I have attached a copy of my FTC and Identifiers.