23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Innovis, XXXX, and XXXX XXXX Auto for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and XXXX  XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( XXXX ), XXXX  XXXX et seq. 

Under the Michigan Consumer Protection AcXXXX ( XXXX  XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report, Innovis, XXXX, and XXXX XXXX Auto are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, Innovis, XXXX, and XXXX XXXX Auto have violated this section. 

XXXX. Michigan Collection Practices AcXXXX ( XXXX ), MCL XXXX et seq. 

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Product: Mortgage

Hello, My case number if XXXX am XXXX XXXX XXXX XXXX, XXXX could not find a tab to follow up on the case number above. 
I did not dispute the outcome because Nationstar said they would move forward with the foreclosure on my house at XXXX XXXX XXXX, XXXX, NJ. They said they would do this in a letter addressed to my attorney ( they never did send the letter to him ). I forwarded the letter on to my attorney. I have not heard from them once since XXXX, nor has my attorney. Can you please help me with this? 
This has been going on since XXXX of 2009. The house was destroyed in XXXX XXXX, Thank You, XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I filed a complaint with XXXX about a account XXXX XXXXXXXX XXXX XXXX # XXXX you're continuously reporting inaccurate information violating my rights.. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?. the phone number is disconnected and the address is incorrect. delete this account its not mine.. 

XXXX Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Acct # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX, XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX Case # XXXX, XXXX account # 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.
Product: Checking or savings account

Due to hacking I have loss access to the email account and phone number on my account that is used for logging in and XXXX verification. This allowed for someone to access the account after my bank failed to update the information. On XX/XX/XXXX I created a Sub-account that connects to the main account and transfered {$2600.00}, {$170.00}, and {$75.00} to the sub account in which I verifed that the funds were retrieved and completed. XX/XX/XXXX The sub account had been deleted and the funds are missing. My bank refuses to trace the funds and allow for a dispute, and the bank have not acknowledge the unauthorized activity ; I remain unable to access the account for review.
Product: Credit card

On XX/XX/year>, I got a call from my parents who live in XX/XX/XXXX that they received an XXXX XXXX credit card through Barclays Bank under my name that I did not apply for. Around the same time they also received cards from XXXX, XXXX, and XXXX, and a purchase for a new phone was made through XXXX on my credit as well. I had been the victim of identity theft, and Took the necessary measures to freeze my credit, inform each company about the fraudulent accounts, submit police reports stating what had happened, and submit disputes with the credit bureaus as well. 

As of now, each of these cases have been resolved and I have not been held responsible for any charges, except for the XXXX XXXX account. The dispute I submitted through XXXX came back with a ruling that I was responsible for the charges, and I followed up over the phone to see why, and to have them reopen their investigation on the issue. On XX/XX/year>, I received a letter ( at my correct address in XX/XX/XXXX ) that their investigation once again ruled that I was responsible. I followed up over the phone AGAIN to see what caused them to rule that, and provided the additional information that I had been living in my current address in XX/XX/XXXX for the past 3 years, while the credit card that was fraudulently opened was sent back to my parent 's address in XX/XX/XXXX The investigation has once again been opened, but the present moment I am still being held accountable for the charges, and I have been contacted by them saying that my payment is past due.
Product: Credit reporting or other personal consumer reports

Dear Experian Support Team, I am writing to dispute a series of unauthorized car loan inquiries that have appeared on my credit report. I have not applied for any car loan or credit with the companies listed below, and I am requesting that these inquiries be removed from my credit report as soon as possible. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ List all other inquiries as needed ] I want to emphasize that I did not authorize or apply for any loans or credit through these companies. In fact, I have contacted Experian on three separate occasions via mail regarding these inquiries, but I have yet to receive a response.

If these companies indeed made inquiries into my credit, I request that they provide documentation to prove that I applied for credit with them. If they can not provide such documentation, these inquiries should be removed from my credit report immediately. 

Given the urgency of this matter, I kindly request that Experian act quickly to resolve this issue and remove these unauthorized inquiries. Please help me once these inquiries have been deleted from my report. 

Thank you for your prompt attention to this issue. I look forward to your swift response
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a dispute through the mail and they have failed to respond. This is not the first time my disputes have went unanswered. I have attached the documents that I sent in to be corrected/investigated. In addition to the attached documents I have also noticed that the payment history for XXXX XXXX is being reported differently across the 3 bureaus. According to XXXX I understand that their reporting the same information to all 3 bureaus so what Transunion is reporting can not be accurate and free from error.
Product: Debt collection

I closed my XXXX account in early 2023 and went to Att. I tried to return a signal device to turn the week I closed my account. I went to XXXX stores XXXX on XXXX XXXX XXXX ny and XXXX XXXX XXXX ny ny. Both stores would not accept the device nor provide an address to return it. I contacted XXXX XXXX that week and XXXX reps stated would mail the return label but never I never received it. Another rep said I wont receive it because the account is already closed. Another rep said was too late to return it. Another rep told me that she saw my previous calls trying to resolve and she will cancel out the amount for the device and I dont owe anything. Months later I see a collection on my account. No one tried to reach me from collections or via mail. 
Identity theft report filed as this was done without my knowledge.
Product: Credit reporting or other personal consumer reports

Credit karma has been giving me false information about my credit report leading me to make so devastating financial decisions I applied for a number of different purchases because credit karma misled me into believing I could obtain those purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take my credit report and private information 's security seriously enough, and clearly did not do their due diligence in auditing their security systems that protect my privacy, liability, and my finances. This has real effects on a lot of people, myself included. Equifax has stated they believe my data has been compromised during their recent cyberattack, and this is not acceptable.
Product: Mortgage

LOANCARE SERVICING CTR {$490000.00} <1 % paid off 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2019 Account type Conventional Real Estate Loan, Including Purchase Money First Balance Loan Amount {$490000.00} {$490000.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/2019 Past due amount - Original loan amount - Monthly payment {$2700.00} Late payments XX/XX/2019 You've made 96 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 On Time 30   Days Late THE ABOVE MENTIONED MORTGAGE HAS BEEN REPORTING INCORRECT 30 DAYS LATE AND THEY ARE NOT ADMITTING, THAT THEY WERE ARE FAULT. MY INFORMATION WAS FRAUD AND INCORRECT. BY THE TIME WE FOUND OUT THE 30 DAY  LATE, IT WAS TOO LATE, DAMAGED OUR CREDIT SCORES AND REPORT. WE VERIFIED THEY HAD WRONG CONTACT, MAILING, EMAIL INFORMATION. WE DID NOT RECEIVE ANY TYPE OF CONTACTS. WE FOUND ABOUT THE LATE WHEN WE WERE BUYING A CAR. WE CONTACTED THE MORTGAGE COMPANY AND STILL WE ARE BEING BLAMED FOR.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

cfpb closed this complaint before it was resolved. See They are stalling and clearly have no intention of finding an equitable solution to my complaint. 
This issue has been in Wells Fargos court since XXXX. They have moved it around to multiple departments each one suggesting they need months to process the inquiry. The case number has been changed 3 times. Currently I am assigned to XXXX, an Executive Office Case Specialist in the Consumer Products and Services Executive Office. She wrote me a letter in XXXX stating You can expect to hear from us with a resolution or an update by or before XX/XX/2021. 
Today is XXXX XXXX. She does not return my phone messages. She has refused to give me her e-mail address. 
Previously I caught a WF agent lie to me about this issue. When I brought it to her attention, she stopped communicating. 
This issue can not be resolved without back and forth communication and WF is clearly avoiding that.

Five months and the BIG STALL continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED XXXX XXXX XXXX XXXX Please remove it from my credit report. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

XXXX and Experian refuse to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. 
Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. 

How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? XXXX corrected this but the other two bureaus have not. 

The irony of this situation is the account was actually paid in full 2 years prior through a XXXX  XXXX XXXX due to hardship when two family members became terminally ill and I had to leave my job to care for them. I sold my home to pay off the XXXX at 100 % which included the XXXX student loan. Months after the BK was discharged and the debt had been paid in full, XXXX loan contacts me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the 100 % pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/2024. Then a week after paying them, they added 90 days to both XXXX and XXXX. 

I disputed and XXXX and XXXX both refused to remove after. I disputed again and they removed XXXX 90 day but not XXXX.
Product: Credit reporting or other personal consumer reports

Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all 3 credit bureau from XXXX  to Experian to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

American Accounts Advisors Inc. Is incorrectly reporting 5 collection accounts to the credit bureaus. 3 are in the amount of {$50.00}, 1 is for {$44.00}, and the last is for {$14.00}. They were all opened on XX/XX/XXXX, yet i have never received a notice or a phone call. They have also falsely reported the {$50.00} 3 times, which is an error. They most recently fraudulently reported this information on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX XXXX was stolen via an unauthorized transfer from my traditional IRA to XXXX XXXX 's XXXX IRA and then off of Gemini 's Exchange. 

I emailed Gemini Customer Support, because it's the only way to contact them, to alert them to the stolen XXXX  from my Gemini IRA Account. They said their system was not breached and it was another company 's fault and that I should contact them, IRA Financial Trust, who is their partner in providing this IRA product. 

Gemini claims to be a secure platform and XXXX XXXX  of retirement was stolen from their Exchange because XXXX was bypassed and there apparently are no safeguards in place to detect unauthorized, illegal transfer of funds between accounts on Gemini 's exchange. 

There are other Gemini customers impacted by unauthorized transactions on XX/XX/XXXX, approximately {$36.00} XXXX in retirement in XXXX, XXXX, and USD. Other victims, who are residents of NY, have filed with the XXXX. I have also filed with the NY Attorney General and the XXXX. No response from Gemini for these attempts at the return of our retirement.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. There are several names and addresses that do not belong to me. I previously sent several dispute letters trying to update this information. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, AL XXXX there should be no other names or addresses listed on my consumer report.
Product: Debt collection

I have been witch hunted by this company portfolio recovery XXXX XXXX And XXXX XXXX for 7 years now they are trying to sue me but I'm on XXXX