23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Thursday XX/XX/XXXX at approx. XXXX EST I attempted to login to my WISE account via mobile device. Normally it scans my face and has me enter a pin, this time the screen asked me to sign up or enter a name and password. 

Upon entering my login credentials it did not accept them. I tried logging in via XXXXXXXX XXXX and XXXX ID - no luck. I then requested a password change. I changed the password, it did not accept it. I requested another password reset and reset it again. Again, it would not allow me to login. 

I called the customer service center at XXXX and spoke with a representative named XXXX. XXXX first attempted to tell me this was a glitch and wanted to send me an email with instructions to fix it. I informed her the issue was on my mobile and laptop and therefor was most likely not a glitch. 

She put me on hold for about 5 minutes while looking into the issue. Upon returning she said that she needed to send the issue to a special team and they would respond to me within two business days at the soonest. There was no timeframe given for when I would be able to access my account or anything else other than to wait for an email. 

I stated concerns that the account was compromised- she assured me it was not. When I asked multiple times, she assured me with nothing other than 'it isn't '. I then requested the outgoing transfers and current balances. Approx. {$150000.00} - {$160000.00} total. 

The balances were accurate, as was the outgoing transfer history. However, I am highly concerned I no longer have access. I am attempting to pay some things off and worry about my general finances and if this company is legitimate. 

They are holding a substantial portion of my money. This is alarming as I just transferred {$50000.00} into the account from XXXX XXXX because WISE has interest bearing accounts. Now I am scared if this bank is going to steal or mishandle my funds. 

Please do something if you can. I think you.
Product: Checking or savings account

I received a refund from XXXX XXXX and they suspended my account, I have called XXXX times about this and I have provided all the documents they have asked for, and they still do not remove the suspension with all my money in the account, each time they send me another email asking for more of the same documentation that I have already sent them, No representative or supervisor has been able to help me, they just say they have to escalate the situation to a specialized team and when I ask them for the number of the specialized team they say they don't have access to that number
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...
Product: Debt collection

I requested everything on my file and audit trail XX/XX/XXXX from Edward Bukaty III Law Firm. I only received a paper with amounts on it. Was told it was public record on XX/XX/XXXX to look at it there.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

Schools first federal credit Union. I took out a personal loan in XXXX vehicle loan. I had a work out loan. The workout will be paid off in XXXX of XXXX, the vehicle was XXXX XXXX. 
{$310.00}. 
now the vehicle is XXXX XXXX balance. I've been really abused with this credit XXXX. With my credit card and my personal loan. And my vehicle since the XXXX virus took place in XXXX. XXXX. 
In collection, I have recordings of all the conversation on how he's been handling.My files Very hard hardship.I 've been in with my mortgage and my loans Please, help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXXXXXX XXXX account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my XXXXredit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have contacted this agency via mail, email, fax and the XXXX and they fail to correct their wrongs. I want to make sure i have gone through every channel in preperation for filing suit for providing false information and failing to protect my information. They list several inquiries that are not mine and i wish for them all to be removed. At this point i am not looking for nor have i been looking for any credit. All accounts on my report are reporting accurate and paid on time however the inquiries that have been made on my behalf by my ex wife is staggering. She has hacked my info on more than one occasion and re runs apps to destroy my credit rating because she was served with child support papers. TRANSUNION fails to take any action or help in any way. From what i can see all accounts look fine these bogus inquiries just need to be removed.
Product: Checking or savings account

I received an XXXX offer from Key Bank in XX/XX/XXXX. " Open a new checking account, make a {$10000.00} deposit with 60 days of account opening. Then receive {$800.00} within 60 days. '' The deposit was completed on XXXX XX/XX/XXXX. As of today XX/XX/XXXX, no bonus has been deposited to my account. 
I made contact with my local Key Bank office and showed the flyer offer to the XXXX on XX/XX/XXXX. She followed through to escalate the problem and reported back to me approximately 30 days later that there was nothing that she could do. 
This morning XX/XX/XXXX I did an online chat with Key Bank with a customer service rep who informed me that the offer code showing at Key Bank was XXXX. The offer code on my flyer is XXXX. Customer Service said there was nothing that could be done as the offer expired on XX/XX/XXXX. 
I feel short changed by Key Bank in that I should have received an error message when applying for this offer as it was not the offer in the flyer that I received. 
Thank you.
Product: Vehicle loan or lease

I traded my paid off vehicle to XXXX Dealership Located in XXXX Who unexpectedly closed shortly afterwards. I found out of the closing when attempting to take advantage of the 30 day car return policy by calling and getting a disconnected message then proceeding to car lot to find it vacant within a week of purchasing the vehicle.My title & papers arrived late which caused my emissions test to expired preventing me to be able to properly register my vehicle .Im financed through Capital One whom i reached out to prior to the closing of the dealership for an interview as i was told I'd receive before they finalized the fundings. Capital one is now stating it is a dealership issue and they can't assist although i feel they are partially responsible. Now Im stuck with a car I do not want & lost a vehicle I loved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To avoid any unnecessary delay tactics from Equifax, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Equifax believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Equifax   is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Equifax credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Equifax accountable and not let them delay solving the real issue here.
Product: Bank account or service

PNC bank came to my place of work and recruited us to open checking accounts and savings account and promised us XXXX will be added to my account after XXXX direct deposits this never happened i have a contract they signed and now they are changing their story and now they have a collections company calling me after all their late fees and lies please help thankyou XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX : Request for Removal of XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/2024, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within XXXX  days of receipt of this letter. If this account is not deleted from your records within XXXX  days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages. 

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the XXXX window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX and Simons Agency fail to valaidate a alleged debt owne for medical
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my information reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report dated XX/XX/year>. The following accounts contain incorrect or unverifiable information : XXXX XXXX Issue : Status reported as " Paid in settlement, {$990.00} written off. '' I request verification of the payment details, including the settlement amount and dates, as this information may be inaccurate. 

XXXX XXXX XXXX Issue : Status reported as " Account charged off, {$690.00} written off. '' I dispute the accuracy of this status and request validation of the balance and payment history. 

XXXX  XXXX XXXX XXXX Issue : Balance of {$19000.00} reported as past due. I request a detailed verification of this balance and ensure its accuracy, as it may contain discrepancies.

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts and provide the results in writing. If the information can not be verified, I request its removal from my credit report. 

Please remove
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made a rental of a XXXX XXXX over at the agency of XXXX  the day of XX/XX/19 for the amount of {$1000.00}. The charge was made the same day XX/XX/19 around XXXX. The XXXX XXXX would be picked up around XXXX. But the agency called me and notified me the XXXX XXXX was rented to some one else. Immediately I head over to the agency to figure out why. The XXXX  decided to sell me a XXXX XXXX for the amount of {$3000.00} total as is. The purchase was made around XXXX. The agreement was they were so-pose to refund me the rental fee of {$1000.00} for the XXXX XXXX   thats was not rented XXXX told me the money was going to appear in my account with in 3-5 business days.. the total amount that was charged to my account was XXXX on the day XX/XX/19. 
Now on the day XX/XX/19 there was another {$1000.00} recharged to my account. To know the reason of that charge I called XXXX  agency for an explanation. Their answer was the {$1000.00} that was removed from my account on the XX/XX/19 was not processed correctly that there was an error. I went to the nearest local bank and asked more information about that money and the bank said the rental fee was never in my account it was pending but never proceeded to make it valid. 
So now their is a confusion with my bank and XXXX of XXXX XXXX. Neither of them know where that rental fee went ... so some one is owing me that rental fee but neither my bank or XXXX  clears this mess.. 
XXXX  is willing to cooperate with me and show me any information but my bank does not explain properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by XXXX XXXX. I tried multiple times to resolve this issue with XXXX XXXX since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from XXXX XXXX in regards to the letter previously stated above. This account continue to be reported by XXXX XXXX as owed on my Experian credit report. Experian continue to report this issue after my submitted dispute on Experian website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you
Product: Debt collection

Ar Resources Inc Opened XX/XX/2013 {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX