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

Wise.com offers a borderless account with XXXX so you can convert money to any other currency and spend it on a pre paid XXXX. 

The problem becomes when you have arrived in a foreign country like XXXX and the card refuses to work in any store or ATM. That causes difficulty if youre hoping to use it as a primary payment card. 

There is some well hidden fine print that has a list of countries the service doesnt work in, but its not obvious to find. 

The end result was all my vacation money was converted to XXXX XXXX at cost, then had to be forcibly converted back at cost, then transferred to my bank at cost for a service that could but didnt warn me that it wouldnt work for that country. 

Being in a country with no ready access to money was very scary, especially with a legal system like XXXX.
Product: Checking or savings account

I wrote a check from my account to cash and they said they needed two forms of identification aside from my driver 's license. I asked what other form they said a debit card. I don't have a debit card for this account. They said that they could call my number and give me a code and I didn't have my cell phone. We are under a hurricane emergency and they said I couldn't take out my money. No resolution even though the check I wrote was from my chase account. I believe this branch is discriminating against people with XXXX last names.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a complaint through the CFPB about collection agency XXXX  XXXX because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but Equifax is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. Equifax is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to XXXX XXXX in which they could not provide the required information. Equifax should follow suit immediately and remove this account from my credit report. Please see the response from XXXX XXXX attached and remove this account.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ACCOUNTS 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, credit repair services, or other personal consumer reports

Consumer Report File # XXXX concerning Civil liability for willful noncompliance by continuing to report transactions and experiences on my consumer report which are in violation of 15U.S. Code1681a ( 2 ) ( i ) amongst other... .SEE ATTACHMENTS...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but XXXX and XXXX and world finance is blocking me to prevent me from disputing these accounts.
Product: Mortgage

I have been attempting a short sale for over a month and I still have a foreclosure sale date for XXXX XXXX, 2016
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Bellow are the inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

IQ data On XX/XX/XXXX first call atempt was told I could not make a seetlement requested it in writing nothing sent Called early XX/XX/XXXX to seea bout the debt I did inquire about a settlement then was told to provide a card for payment I did to run at a later date. Call dropped. 

XX/XX/XXXX- called to cancel the payment as I have a right to was told I coukd not and was disrepected and was threatened with a phone call to my job about garnishment and that my kids were really going to suffer now. Was told about using my taxes to pay it off which was fine however he swore he knew i received my taxes already which he would not know, and even if I did he can not tell me how to delegate my finances. 

I understand if I get garnished however I don't deserve to XXXX forced into something I cant do at the moment as I presumed.
Product: Credit card or prepaid card

On XX/XX/XXXX I got charged a XXXX dollar annual fee for this card. 2 days later the bank shut down my account. Now they are refusing to refund me the annual fee on my card. There is no reason why I should pay the bank this money if they are not providing me with the benefits of the card.
Product: Vehicle loan or lease

A few weeks a go, a friend of mine went into victory XXXX located in the XXXX, NY to purchase a car @ XXXX. He needed a co-signer for the car in which he was told that the car will cost him {$530.00} per month. And he will pay biweekly for XXXX mths and then his co-signer would drop off. I agreed to co-sign. XXXX hours later they came back with a paper for both of us to sign. They took us in the darkest room, and we asked about the lighting and they said we are packed tonight. So they they asked us to sign. My friend XXXX XXXX asked why is my co-signer signing first and they replied this is how it goes now, everything is good. We asked for a copy of the contract and they replied you have to come back for that when the bank is open. XXXX was given the vehicle XXXX hours later. We we back days later asked for the contract and they didnt have it. XXXX noticed that the vehicle had some issues tired, dent, wipers, and some other things he went back to have repaired and they still refused the contract. One to Two weeks later I received several letters from credit acceptance stating that I am a owner of a vehicle. I quickly called and conversed with the representative at credit acceptance and explained to them the scenario. They advised me to take the car back and we did. Custody refused to take the car back. They said credit acceptance was closed. I called credit acceptance and kept them on the phone did ring the whole entire visit to victory XXXX. Please refer to the recorded phone call. The representative asked the guy who was portraying to be the manger to give his name and he have a faulty name. He continued to change his name during the whole entire visit. He said that they were not allowed to give XXXX a contract, they couldnt provide him one because it was a paper file, they didnt use computers, they didnt have a return policy, they did not have a return policy posted, they refused to give me a copy of a return policy, they refused to let me speak to anyone with authority, and they threaten to have me put out if I didnt leave. And they said the bank put me first on the loan not them. They said the bank told them not to take the vehicle back. They also said the bank made all the mistake and decisions. I am asking you to void the contract. I am not employed. XXXX can not afford the bill. They lied to him about the payment amount. They placed a vehicle that I do not have chess too in my name, which is perjury. They refused his a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I paid my current credit monitoring account the fee of {$29.00} to review my credit reports with Equifax, XXXX  and XXXX XXXX. I discovered there were multiple unauthorized hard inquiries on my credit and I contacted each creditor via phone which took 4 hours of my time from work and nothing happened. I filed a dispute to each credit bureau on XX/XX/19 and sent each letter via certified mail with tracking numbers to monitor this process. On XX/XX/19 I refreshed my credit reports and further discovered that there are no changes nor any updates on the methods used by each credit bureau. Furthermore, there is an invalid late payment on one of my accounts that has always had perfect payment history and I submitted documentation to the credit bureaus as well to expedite this request since I am making sure my credit is in good order to purchase property. This is a blunt violation of my rights as a consumer and is costing me tremendous stress and hardship on my health because of this violation. I am reaching out to the consumer finance protection bureau for help since it has been more than 30 days since each credit bureau received my dispute packages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX posted to my EEquifax report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.
Product: Consumer Loan

I bought a car at a local dealer named XXXX I was told car was clean title vehical. car was not. I brought car back to dealer car was taken back I was givin XXXX bads checks from dealer for my down pmt I gave him. loebell is the lien holder on this vehical .... I gave car back because vehical was sold under false pretense to me, by dealer and loebell financial, I maid four pmts on this vehical plus repairs this vehical was supposed to be taken off my credit report it has not because the dealer does not have money to buy contract back from loebell they will not give back my pmts or repair money I put down I was lied to from onset of deal I gave car back because dealer, HAD TO TAKE IT BACK BECAUSE HE LIED AND I CAUGHT HIM .... loebell wont release me from loan or pay me back the money I paid them, them for fouir months this is robbery I am not respo9nsible for a dealer or lender who falisfys legal docs which is the case by dealer and lender loebell has not been helpful I have been completely abused by every employee there. I w3ant my payments lost time and money back
Product: Checking or savings account

On XX/XX/year>, I submitted a formal complaint to Wells Fargo regarding an erroneous charge of {$2500.00} from XXXXXXXX XXXX car rental, which occurred after I returned the vehicle. Upon inquiry, Wells Fargo requested documentation. I meticulously provided a detailed package, including my flight, hotel, and car rental expenses amounting to {$1400.00}, in addition to relevant bank statements and receipts confirming the transactions. Given this comprehensive evidence, I firmly believe that XXXX should not have charged me additional fees upon my return. 

Despite my persistent efforts, Wells Fargo claimed that {$1200.00} had been refunded to my account by XXXX, a transaction I have yet to receive. So, I felt I should pursue the remaining balance of {$1000.00}. This situation has escalated to the point where I am now engaged in a complaint against Wells Fargo due to their inadequate investigation process. Time and again, they closed the case and opened it for months, necessitating that I reopen it repeatedly. 

At this juncture, Wells Fargo asked me to provide any documentation to clarify how XXXX could charge me nearly {$3000.00} despite my substantial proof that the charges were invalid. This ongoing issue is critical, as it jeopardizes my ability to retain my vehicle, leading to possible repossession and late fees, especially as I start a new job. As of XX/XX/year>, Wells Fargo plans to close the case, expecting me to repay this unwarranted amount. 
Below, I will provide bank statements. One from XXXX for {$920.00} and another from XXXX XXXX for {$480.00}. These two charges total up to my flight, hotel, and rental package from XXXX. ( I provided document. ) In addition, you will see another car charge of {$1000.00} from the XXXX car rental, although it was previously paid for in the package.
Product: Credit reporting or other personal consumer reports

The account listed was opened fraudulently. Please see attached correspondence,
Product: Mortgage

Citizens One home loans the mortgage company. I 'm am trying to assume my mother loan I have Power of Attorney the lender said I could assume the loan. I been going to court for a year and they keep requesting the same things over and over again. So that is making the legal fee 's go higher and I been giving them every document that they are requesting Here are the dates of the RMA being sent to the lender attorney on first packet was sent on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, 1 ) Missing documents letters for documents that I have sent before.XX/XX/XXXX the lender was requesting Retirement benefits letter from provider, declaration page of homeowner insurance and Tax bill.2 ) XX/XX/XXXXMissing documents letters for Property taxes and homeowner insurance. other request from the lenders attorney Missing documents emails  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,2/2/17,XX/XX/XXXX the mortgage lender attorney been requesting for pension letter, property taxes & homeowner insurance, contribution letter sign and dated, hardship letter sign and dated and also asking for power of attorney
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized credit inquiries listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 609, I have the right to request the validation and verification of any information listed on my credit report. Upon reviewing my credit report from your bureau, I discovered multiple inquiries that I did not authorize nor consent to.

The unauthorized credit inquiries occurred on [ Date ( s ) of Inquiries ], and I have counted a total of [ Number of Inquiries ] inquiries within the span of a single day. It is imperative to emphasize that I did not initiate nor authorize any agencies or institutions to conduct these inquiries on my credit report. As a responsible consumer, I am vigilant about my credit activities and take great care in managing my credit profile. 

The FCRA provides clear guidelines regarding permissible purposes for accessing consumer credit reports. Any inquiry made on my credit report without my explicit authorization is a violation of my rights under this act. Furthermore, such unauthorized inquiries can adversely affect my credit score and financial standing.

I am formally requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I expect a thorough investigation into the circumstances surrounding these inquiries to prevent similar occurrences in the future. As per FCRA Section 609, I request that you provide me with written documentation confirming the removal of these inquiries from my credit report within 30 days of receiving this letter. 

Failure to comply with my request within the stipulated time frame will leave me with no choice but to pursue legal action to ensure my rights under the FCRA are upheld. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries for your reference and investigation. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these inquiries from my credit report. 

Sincerely, XXXX XXXX Any additional supporting documents ( Police Report )
Product: Mortgage

XXXX had loan sold to Shellpoint says no unemployment offer, XXXX offered it see paperwork! Shellpoint lying saying isnt offered.
Product: Credit reporting or other personal consumer reports

I contacted Kickoff numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested.

They are trying to retaliate by not removing the incorrect kickoff accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus.

In all 3 credit reports the kickoff accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different.

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. Kickoff are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the Kickoff accounts aren't removed they will suspend my contract.

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from kickoff showing retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and XXXX  % accurate and XXXX  % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. XXXX XXXX XXXX has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by XXXX XXXX XXXX has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If XXXX XXXX XXXX XXXX it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly XXXX XXXX XXXX has certified and verified that the information being furnished in all XXXX of my consumer file are accurate when in fact its beyond accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX representatives concerning the likelihood of false accounts being established using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three firms advised me on how to keep track of things and complete an FTC form. I sent my information on XX/XX/XXXX. Even though I had filed my letters more than 30 days previously since they had been " verified, '' the accounts that were not mine were still shown in my documentation. This situation bothers and concerns me because it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I called the three firms again to inquire about how they could certify that these accounts belonged to me. They told me to contact the debt collectors directly because they couldn't help me any further. Every bank that the client dialed at the same time and forwarded to me had been dialed incorrectly ; they had no idea who I was or what the accounts were about. An online verification was completed to ensure that I had not made a mistake. My buddies advised me to visit the CFPB website. I'm hoping this works because my family and I desperately need the house we're trying to buy.