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

In order to clarify the Confused process, I will post here the letter that I sent to them with no answer wet. I was trying to receive funds from Brazil, that's when I realized the problem. They release the money to me, that was solved, however I have concerns about this company : XX/XX/XXXX Dear Representative for WISE My name is XXXX XXXX XXXX, I am writing to express my serious concerns regarding the recent notice I received on Tuesday, XX/XX/XXXX, informing me that my account will be closed due to the existence of two accounts under my name. 

First and foremost, I would like to emphasize that I have been a TransferWise ( now Wise ) customer for nearly 9 years, and I have never opened multiple accounts. The privacy and security implications of this situation are highly alarming to me. 

It appears that during the transition from TransferWise to Wise, where the system was altered to function more like a bank, a new account was created under my name without my consent, authorization, or knowledge. This account includes a bank account number and routing number, which I never requested or agreed to open. 

Until recently, I had no issues with TransferWise. However, when I logged in a few days ago, I noticed significant changes. The platform, which was previously simple and straightforward for sending and receiving money, now operates like a bank account. Furthermore, my account information was altered without my consentan old address from XXXX was listed as my current address, despite the fact that I have moved XXXX times since then. Additionally, I was informed that my date of birth was incorrect. 

I promptly provided the requested photo ID to verify my identity. Now, I am being informed that my account will be closed in XXXX. If this situation was truly due to fraudulent activity, why wasnt immediate action taken to suspend or close the account at the time of the suspicious activity alert? 

I am requesting a thorough explanation of why an account was created under my name without my consent, and why I am being penalized for errors made by your system. It is extremely concerning that my account was set up with incorrect personal information, and yet I am being treated as though I am at fault. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 
That is my information I got from the system : Wise Account Holder XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ALLIED INTERSTATE DEBT COLLECTION AGENCY IS CALLING 6-8 TIMES A DAY FROM DIFFERENT PHONE NUMBERS. MESSAGES ARE NEVER LEFT. WHEN I BLOCK THEIR NUMBER, THEY CALL BACK 15-30 MINUTES LATER FROM A DIFFERENT NUMBERCALLS ON X/X/2018XXXXXXXXXXXXXXXXXXXXXXXX
Product: Vehicle loan or lease

Purchase and sign for a XXXX XXXX XXXX  XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX and Westlake financial. XXXX weeks later I was told by Dealership that my contract fell through because I couldn't be verified. I was already verified with fiance company on XX/XX/XXXX. Dealership stated that I need to find someone else to fiance after he ran my credit through another company. I eventually found a company to fiance but the price went from XXXX to XXXX. I refuse to fiance XXXX because the price advertised was XXXX. In the process the truck broke down and I paid for repairs and I told company this. On the XX/XX/XXXX Dealership stated I need to bring truck in until things are resolved. I ask about down payment he stated that fiance company has money and that they will refund the payment. I need help nothing makes since about this deal
Product: Bank account or service

On XXXX I went to a PNC branch ) XXXX to request a new XXXX PNC card for the one I had misplaced, The Bank employee who I did not know attended to this matter and then began to ask question about my employment, commenting as a lawyer I must make a lot of money and then asking me how much I made a year -- none of which questions did I answer. 
A week or so later I received a letter advising me that an account had been opened for me which turned out to be a line of credit -- which I NEVER asked for. I complained to the bank and on XXXX/XXXX/16 I was advised that my loan has been paid in full. There was NO loan and I asked that my records would be corrected to show the TRUTH. This was not done and subsequently I was advised that " my recent credit bureau dispute about information furnished by PNC, Bank National Association to the consumer reporting agencies '' had been resolved as a " soft inquiry '' rather than a " hard inquiry, '' There was NO dispute between me any credit bureau ; any " dispute '' could only be one created by PNC. 
When asked various time to correct my records to reflect the TRUTH, and not paper over then to the benefit of the bank -- that has not occurred. I then wrote to the PNC CEO asking for correction and of this time have had no response. My correspondence every step of the way is in the hands of PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a XXXX XXXX system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified XXXX XXXX immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.
Product: Credit card

The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations.

The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section 607 ( 15 U.S.C. 1681e ( b ) ). Your failure to maintain accurate records has caused unnecessary harm and confusion.

I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ) for willful and negligent noncompliance, respectively. 
Please consider this letter my formal dispute and act promptly to correct my personal information.
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of the fraudulent account you have reported under account number XXXX, allegedly associated with XXXX Bank and opened on XX/XX/year>. I previously requested validation of this debt, and you have FAILED to provide any documentation proving its legitimacy. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1692g ( b ) ), you are required to cease all collection activities and verify the debt upon request. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be promptly deleted from credit reports. Your failure to comply with these legal requirements leaves me no choice but to DEMAND the immediate and permanent removal of this fraudulent account from all credit reporting agencies. 

This account is fraudulent. I have no knowledge of its origin, and I am NOT LIABLE for this debt. I require confirmation that this account has been completely removed from my credit profile and that you have ceased all collection efforts. 

Should you fail to comply with this demand, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Furthermore, I will consider pursuing legal action to enforce my rights and hold you accountable for any damages caused by this inaccurate reporting. 

This is a serious matter, and I expect your immediate action. Confirm in writing that this account has been removed, or be prepared for further consequences.
Product: Vehicle loan or lease

Bentley Financial Services sent an adverse action letter in the mail stating why I was allegedly denied an extension of my own credit. 
When we tried to talk to the Finance Manager and the other Woman who initially took the information for processing We forgot her name, she was irrelevant anyway. 

XXXX XXXX XXXX or Bentley XXXX XXXX cars is a high end Car Dealer located in or near XXXX Ca XXXXWe are XXXX  People so just really trying to get service in this place is a joke, In this area they really look down on XXXX People mostly because they have most of us Stereotypically some sort of way figured out.Welcome to the XXXX XXXX California XXXX 

Back to the Finance Manager would not discuss the Truth in Lending aspect of the deal with us. We always record our communications by the way!!! 
When asked and told that We could not not be denied Credit because We are the credit We lost him, literally he hung up. 

According to theTruth and Lending act USC 15 USC 1602 the term credit card is your SSN number, 12 U.S 1431 Banks dont have any Lending power. 12 CFR Part 1002 Equal Credit Oppurtunity Act ( Regulation B ) The Term Credit Worthiness applies to Businness and Financial Institutions. Not to Natural Man or Woman.

15 U.S Code 1691 section A states it is Unlawful to be denied an extension of your own Credit, based on DISCRIMINITORY ACTIONS. 

We can be denied our own credit but that is considerd unlawfull.
Product: Mortgage

To Whom It May Concern, I have been fighting with Bank of America, hereinafter referred to as BOFA, for well over 6 years now. It has been about 3 years since there has been any real activity on my property. That all changed early last month. BOFA received the servicing of my loan from Countrywide Home Loans Servicing, LP while the loan, hereinafter referred to as debt, was in default for the XX/XX/XXXX payment. Since BOFA acquired the servicing on this debt, they have repeatedly and constantly harassed me for payment and have threatened to foreclose. I presently have a foreclosure date set for XXXX, XX/XX/XXXX. I understand that under the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, BOFA is a " debt collector '' since they received the servicing rights while the alleged debt was in default. As a " debt collector '' they are without legal authority or rights to attempt to collect payments and/or proceed with a non-judicial action against my property pursuant to 15 U.S.C. Section 1692f ( 6 ) ( A ). My husband is now a XXXX  XXXX XXXX member and over the years we have moved around quite a bit. My property is home to me and my family. Although we may leave for a period of time, we do come back to our home. Today I found out that in mid-XX/XX/XXXX, BOFA had some workers go to my home and break the locks on my front gate to gain access to my property. Not only did they break the locks to my front gates, they broke into my home and disposed of some of my belongings I had in my property. Even if BOFA was a creditor, which they are not, entering on property without my permission is trespassing. Breaking my locks and breaking into my home is vandalism. Disposing my property is stealing. I am appalled at the actions of BOFA. BOFA 's actions are a blatant disregard for the law. Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. Lastly, BOFA is also in violation of the FDCPA because they are falsely representing the character, amount, and legal status of the debt. Over the years BOFA has told me they were the owners of the debt and then I was told XXXX was the owner of my debt. Pursuant to Commercial Code Section 3118, the statute of limitations for a note payable at a definite time shall commence within six years after the due date or due dates stated in the note, or if a due date is accelerated, within six years after the accelerated due date. The total amount was first accelerated in XXXX. The time for any collector to collect on this debt has expired. I am filing this complaint because I am beyond frustration and anger. I believe if I do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on my home.
Product: Money transfer, virtual currency, or money service

Took Cashiers check from XXXX XXXX to Citibank for deposit my account at XXXX. Gave Citibank account number to deposit funds in. Check cashed that day. XXXX says never received. Citibank says cant tell you anything it went to XXXX. XXXX  XXXX says the check was cashed XX/XX/year> and we dont know anything. 
Someone has my money. I believe it is Citibank and they wont give it back. This is theft!
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: 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 XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion regarding the reporting of inaccurate information on my credit report. 

Disputed Account Information : Account Number : [ XXXX ] Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Name : [ Name of Creditor if available ] Nature of Violations : Reinsertion ViolationThe above account was previously disputed and successfully removed from my credit report. However, TransUnion reinserted the account without providing any written notice or explanation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. According to this provision, credit bureaus are required to notify consumers within five business days if previously deleted information is reinserted. 

Inaccuracy in ReportingThe account is reported as closed with a {$0.00} balance, but TransUnion continues to report late payment marks. This is inaccurate and violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

Failure to Conduct Reasonable InvestigationI submitted a formal dispute to TransUnion regarding this account. The response I received did not include any documentation verifying the account 's accuracy or validity, which is a violation of 15 U.S.C. 1681i ( a ). Credit bureaus are required to conduct a reasonable investigation and provide supporting evidence when verifying disputed information.

Requested Resolution : The immediate deletion of the disputed account from my credit report. 

Written confirmation of the deletion. 

Notification to XXXX and XXXX regarding the correction. 

I believe these violations demonstrate a clear disregard for my consumer rights under the FCRA. If no action is taken, I request the FTC to launch an investigation into TransUnion 's non-compliance and take the necessary enforcement actions. 

Thank you for your attention to this matter. I trust the FTC will take appropriate action to protect consumers from unlawful credit reporting practices.
Product: Debt collection

I am filing a complaint against Credence Resource Management for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Credence Resource Management consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Credence Resource Management actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Credence Resource Management complies with federal law and provides consumers with the necessary proof of investigation.

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.
Product: Mortgage

iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Account opened- XX/XX/2017 Date noticed debt- XX/XX/2017 Actions Taken- FILED DISPUTE WITH COLLECTION AGENCY Amounts- {$580.00} {$1000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via XXXX XXXX  All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency ( IRS )