23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( UNTD WHL MTG XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian Informations Solutions Inc. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian Informations Solutions Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

This loan was transferred to Shellpoint from XXXX and there were delays on this from the beginning. How could I be late on this when I paid them on time when it was transferred. Please help me in removing this late payment in XX/XX/2019.
Product: Credit card

On XX/XX/XXXX I received a notification from the Creditkarma app stating that XXXX received information that my Best Buy store card ( issued by Citibank NA ) was closed on XX/XX/XXXX. When I logged into the app, it showed that my credit score went down as a result. The remark code listed was " Account closed by credit guarantor '' On XX/XX/XXXX I called Citibank ( at the number on the back of the Best Buy credit card ) and was told that the account was closed due to inactivity. My account was always in good standing with no derogatory remarks/late payments, etc., so I explained I didn't receive any notice that they would be closing the account. I was transferred to a manager ( XXXX ) who told me that the negative impact on my credit report would go away on its own and that I couldn't appeal/revisit the decision, but that I could reapply for a new credit card. I explained that didn't make sense as that would also potentially impact my credit score if I re-applied and she said that was the only option. With regards to my points about not receiving notice, she stated that I was sent an email and a letter in the mail in XX/XX/XXXX. 

I explained I never approved or authorize electronic statements or communications on my card accounts but either way I never received the email or the letter. I asked if I could be sent these communications to confirm their timeline and she said they could not do so, but that I would get a letter in the mail indicating that my account was formally closed. I am concerned because I have other credit relationships with Citibank which are longstanding and I never had any issues receiving communications. XXXX was unwilling to look up these relationships and confused me at one point by saying that this was due to inactivity and notification they received from XXXX? 

I asked to speak to someone else to lodge a complaint at Citibank about these events and XXXX indicated she already noted my complaints down, but stated there was no incident or complaint number for me to follow up on. This sequence of events feels very disingenuous, as my wife 's score may also be impacted as she was listed as an authorized user on the account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with CAPITAL XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX XXXXXXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXXXXXX account shows discrepancies across bureaus, including incorrect XXXX late payments in XXXX for TransUnion, XXXX and XXXX, despite on-time payments. High balance varies, with {$300.00} reported by TransUnion and XXXX, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Made {$2500.00} payment with all extra principal to be applied to principal. Normal payment is approximately {$1000.00}. This is the 6th time where all ( 3 ) loans in the last year BMO Harris Bank has not applied extra principal or in this case the extra principal payment has disappeared completely from payment.this las happened around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with the corporate office in rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. Since this is the 6th time in a year I am forwarding this to the Attorney General of Arizona and to the Arizona and Illinois Division of Financial Institutions
Product: Credit card

I am unable to pay my bill. First National Bank of Omaha refuses to allow me access to my bank account, not even to let me deposit money to pay overdraft, fees associated with overdraft, or even their credit card monies owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the applicability and reliability with your latest examination as well as the overdue payments pertaining to this account and exactly how it is reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identiy theft and have bankruptcys reporting on my credit report that does not belong to me, And i have accounts reporting that does not belong to me and have been open due to idenity theft have submitted several disputes to get this incorrect information removed from my file and i will be uploading proof and information to support my dispute please remedy this and respect my rights and remove this incorrect accounts from my credit profile. If the company cant verify something i did not give my permission to be open and i will like the credit beareau to delete the information due to my rights
Product: Money transfer, virtual currency, or money service

The Internet app Venmo is not allowing me to cancel an account that I have not used for over two years they insist the only way is for me to provide a government issued ID which I will not do due to concern over security issues.
Product: Checking or savings account

On XX/XX/XXXX my cellphone lost all service and would not work. After going to XXXX  XXXX  they informed me that my phone number had been switched in the middle of the night to a new device. I said it wasn't me, they informed me it's been happening often recently and its usually and indication someone is trying to commit fraud. I Immediately check my Chase account once my phone was working and recognized unauthorized charges. They were all small online purchases through XXXX except one very large charge for XXXX dollars through a company called XXXX  I Immediately submitted a claim through the chase fraud department. They initially refunded the money, but approximately 6 weeks later they took back the XXXX dollars. When I called to asked about it they said after their investigation they determined that it was not a fraudulent charge and that I had infact authorized it! I've requested an explanation so that I can appeal multiple times, first they said I would have it in 2 days on line, next they said 7 to 10 days in the mail, today they said 15 days. I have yet to receive it and am still waiting for an explanation. After initially speaking with Chase and filling the claim, I tried to log in to my email and discovered that on the same day my phone number was stolen, in the middle of the night, my email had also been hacked and my password had been changed! 
This is obvious fraud! The criminal was able to use my phone number and email as a way to authenticate these purchases. My identity was stolen plain and simple. Fraud departments are supposed to be able to detect fraud, but in this case they clearly failed. I have filed a police report but this is not supposed to happen, and given the treatment so far from chase I have zero confidence i will ever recoup the stolen funds. People should be aware their money is not safe with chase. If and when chase sends me an explanation for the denial of my claim I still will be forced to somehow prove to the bank that I'm not guilty of attempting to defraud Chase. How can this happen? Chase informed me I have to gather all supporting evidence. How am I responsible for investigating and proving to Chase that it wasn't me when the strategy of this criminal was to pretend to be me! Apparently so convincingly that Chase 's fraud department believes it was. I have no recourse here, my money was stolen Chase doesn't believe me.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW715.719 PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR ANY SUCH DEBT IN FACT EXISTS. PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  PLEASE REMOVE THESE INQUIRIES XXXX  XXXX XXXX, XXXX CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having such a hard time trying to deal with XXXX and Transunion in removing these fraudulent accounts. I am a victim of Identity theft and fraudulent accounts were opened without my knowledge or consent. I tried working with the bureaus directly but they have not been helpful at all.
Product: Money transfer, virtual currency, or money service

It is horrible that Wise Payments Limited are keeping my business funds without providing a reason. There were approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my multi-currency accounts for XXXX XXXX XXXX, an active trading company, registered in XXXX, XXXX, and approximately XXXX  XXXX in my personal account when they deactivated my account and locked me out. I have not had access to our business funds since then and we are going out of business due to this situation. 

I have attached evidence of the non-payments due to our funds locked in by Wise Payments Limited Wise is illegally holding my funds and refusing to refund them for no reason. They deactivated my account without warning or providing any reason. They didn't ask me for any documentation and stole my business funds., I am based in XXXX but hold an LLC company in the XXXX XXXX XXXX XXXX XXXXt. I had a Wise account with my XXXX  identity and had been using it for a couple of years without a problem. 

I held a XXXX XXXX XXXX account with Wise where all the business funds were stored. Wise deactivated the account on XX/XX/XXXX. On XX/XX/XXXX, I submitted an appeal on their appeal portal where they asked me to provide proof of identity and details of the bank accounts where you will refund the payment. I provided all the requested details. 

I waited until XX/XX/XXXX, before I filled out the online complaint form to which you replied in a few hours that they are investigating the issue and will need XXXX days to resolve the matter. ( Image attached ) On the same date XXXX XXXX, I received another email from Wise Support asking me to provide more info about my Wise account. When I followed the link in that email, I was again asked to submit my bank details for the refund, which I did promptly. ( Image attached ) They did not ask me for any info other than my proof of identity and bank details. 

The very next day on XX/XX/XXXX, they closed my account stating that they had received the info I provided but that they would not refund the funds. What info did they check before deciding to not refund my money other than my identity and bank details? How can they judge, decide and keep the business funds of an active trading company? ( Image attached ) On the other hand, when I log into the appeals portal on wise.com, they tell me that they have closed my account but already refunded the funds to the originating bank or the account I provided which is a lie. Can you see that they are providing conflicting responses : 1 ) They decided not to refund my money after I provided my info, 2 ) They are investigating the matter and will get back to me with a decision within 14-35 days, 3 ) that they already refunded the money. You are doing all this while you are holding on to my funds. ( See attachment ) I have found hundreds and thousands of other people who are in the same situation and you closed their accounts for no reason.
Product: Credit reporting or other personal consumer reports

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XXXX XXXX, 2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I am writing because I agreed to allow XXXX be my home insurance provider in XXXX XXXX at a set quote of total around {$1300.00} for XXXX XXXX XXXX. In XXXX XXXX, XXXX hired a XXXX party to do an " inspection '' or " to access '' my house. The XXXX party did not do a good job and misled XXXX on my insurance policy. XXXX then increased my policy to more than XXXX of what it was, without due process not notifying me. This has caused for my insurance company to add an additional {$200.00} per month to my mortgage per month, for the period of XXXX XXXX XXXX XXXX. I am about to go into foreclosure because of this. I have contacted XXXX since I received the XXXX party evaluation and they refuse to correct this. The evaluation stated that I have XXXX garages and XXXX doors and other mistakes which led XXXX to believe that they should XXXX the policy. However, the evaluation also included pictures of my house which proved otherwise. I have contacted XXXX and they are telling me that based upon the sq footage that they received from the XXXX party that my policy was wrong, but I was not told of this from XXXX until XXXX XXXX. I need a refund of the " new amount ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX  Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from my credit report