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

On XX/XX/2022 XXXX Bank formerly Transferwise deactivated our business account for no reason or explanation. 

I have personally used wise for a few years and have had no issues up until this time. 

As we respected the service we decided to open up two business accounts for the purpose of acquiring property for a television series we are producing.

After de activating our account we immediately sent in all the required documentation, all updated from our Attorneys.

We have reached out to wise on a day to day basis for an update and have met all of their terms and conditions and have not found a reason why this is happening. They state on their web site we would receive some sort of update or notification within ten business days of the account being appealed, we are well past this date and still have not received any notice and they are holding over XXXX usd for no reason. Many people in our organization are counting on this money to survive and pay their bills. We have also lost a tremendous amount of money due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My cards were charged and the company XXXX and XXXX stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.
Product: Credit reporting or other personal consumer reports

There are several addresses listed on my reports that should not be there.
Product: Mortgage

I filed a PMI Removal Request with Roundpoint Mortgage on XX/XX/year>. 

I received only an automated response back from RoundPoint - no information on how or when the process would occur. 

Out of the blue, an appraiser contacted me on my cell phone on XX/XX/XXXX telling me he would be at my house at XXXX. He came and took an assortment of pictures. 

I heard nothing back from the mortgage company during this time. I called RoundPoint on XX/XX/XXXX inquiring about the status of the request. I was told that the PMI removal request was denied. I asked to see the XXXX, at which point they told me it was currently unavailable but I would receive it in 3-5 days. Again - I had to beg for information here. I also was not given clear instructions as how I was going to pay for the XXXX. 

I received the XXXX on XX/XX/XXXX, and it indicated an appraisal price of {$580000.00}. My current outstanding mortgage is {$420000.00} ( principal ). This indicates to me that there is a LTV of 73.642 %. I called Roundpoint mortgage asking what was going on with the removal request, and again was indicated that the request was denied and that the loan was currently 91 % LTV. I asked how this conclusion was made. I was put on hold for 20 minutes at which point I was told I would need to wait 7-10 days before this was finalized.

It has now been 10 business days - I have not received any information from Roundpoint and when I called again today, I do not get any further than a customer service representative that is not equipped to have these conversations. It also takes forever to simply get ahold of someone. The mortgage company is understaffed and not prepared to make real decisions regarding my financial livelihood.
Product: Credit card

I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to have my personal credit profile with Experian Updated with Correct information, however it still reflects inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name 1 late payment {$430.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 86 % Balance on XX/XX/XXXX Credit Limit {$430.00} {$500.00} Account Info Reference Number XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Chapter XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting multiple inconsistent information between each credit bureau I dont see how when the bureaus get their information from the same creditor. 
It is the responsibility of the consumer reporting agencies to report accurate information on a consumers report. 

This account is verifying different active dates, payment dates and late payment dates. One bureau is reporting this account as 180 days late and the other 120 days late. If the credit bureaus all get their information from the same place, how are they all getting different information and able to verify these inaccuracies? 

It is clear that no proper investigation was conducted into this account and this account is illegally reporting. I am requesting that this account is deleted from my reports now!
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 right to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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: Debt collection

On  XXXX   XXXX ,  2016   XXXX   XXXX   XXXX  submitted a bill to the credit bureaus in the amount of {$30.00} that I had no knowledge of and it also did not belong to me. I have tried disputing this account several times and nothing seems to happen. I 've also requested verification for this account which the company has not provided me with.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

this is a violation of the fair credit reporting act, willing-full non-compliance. experian verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information.

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I received notice on the last week in XX/XX/XXXX that my mortgage was being increased from XXXX to XXXX, and this is because I am required to have flood insurance. I called XXXX XXXX for a quote and they said they could insure me for XXXX instead of XXXX what XXXX is charging me. My mortgage payment would go down instead of up. I will loose my house if forced to pay XXXX, I am XXXX and on a fixed income. I have been trying to stop payment that XXXX took out of escrow, but they are not letting me cancel. I have been working on this for 3 weeks now. I have XXXX XXXX waiting for the funds, my new policy would start XXXX XXXX 2017. I thought I was supposed to have 30 to 60 days notice. I am scrambling to save my home. Can you help?
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office XXXX XXXX XXXX XXXX XXXX  XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

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

This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a balance.
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 XXXX XXXX  bankruptcy discharged : 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 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 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

XXXX XXXX XXXX  # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have tried to get my free annual credit report from XXXX. I submitted online inquiries, which were rejected because my personal data could not be confirmed. I submitted multiple inquiries over the phone, which were ignored. In XXXX, I mailed an inquiry with all the supporting identity documentation and a coverletter. I can see that the envelope was signed for and received on XX/XX/XXXX. Since then, I have emailed with no response. 

Therefore I need assistance in getting my credit report. Any help that you can provide is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to have the fraud alerts removed. Experian has ignored this. Its difficult to get customers service. Experians questions to verify identity are not relevant to me and incorrect.
Product: Money transfer, virtual currency, or money service

Im writing to express my concern Regarding Zelles handling of disputes In light of the recent XXXX Lawsuit which highlights some of the Issues with the Zelle platform. The finding of the CFPB is allowing scammers to Exploit the platform Leaving average day users, more vulnerable to scams. Zelle states that requiring lost funds is not possible nor is it trackable. Zelle fails to explore these claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting.

DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and TD Auto Finance took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted TD Auto Finance Bank  multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received 3 payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from TD Bank Auto Finance. which I respect, but which made a billing error that cost me a significant drop in my credit score. 

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule. 

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX