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

In XXXX, 2021, I filed an FCRA request with Innovis to correct inaccurate information on my credit report. Innovis has been reporting for years that my account balance with XXXX XXXX XXXX is in dispute, when no dispute exists. I had previously been questioned about this while applying for a mortgage. 

Innovis responded that they verified the information as accurate. I subsequently requested a reinvestigation, and Innovis responded identically. I then requested a description of the verification procedure, and Innovis refused to provide one, in violation of Section 611 ( a ) ( 7 ). Innovis instead told me verbally that they relied upon information from XXXX XXXX XXXX, and I should request a letter from XXXX confirming my account status. 

Therefore, I contacted XXXX XXXX XXXX. XXXX denied knowledge of any current dispute. I requested a verification letter affirming this, and XXXX verbally agreed. XXXX then wrote a letter claiming that they couldn't provide any information about the alleged dispute on my credit report because it was reported through the credit reporting agency. 

Thus, both Innovis and XXXX are pointing fingers at each other, saying that they don't know anything about why my account balance is showing up as being in dispute. Additionally, Innovis has, without my consent, added a notation to my credit file indicating that I dispute that my account is in dispute.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Unauthorized Credit Inquiriss and FCRA Violations by Credit Reporting Agencies Complaint : Upon reviewing my credit report, I discovered the following unauthorized Inquiries : XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX via dealer- XX/XX/XXXX Ally financial- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not apply for credit or authorize these companies to check my credit report These inquiries were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 
Request for Action : Immediate Removal of Unauthorized Inquiries : These inquiries were made without my authorization. I request that the credit reporting agencies immediately remove all unauthorized inquiries listed above from my credit report. 
Compliance with the FCRA : Under the FCRA, the credit reporting agencies and creditors are required to ensure that the information on my credit report is accurate. The unauthortzed inquiries on my report violate this provision, and I demand compliance to maintain accurate and fait reporting. 
Stop Collection Activities : I request that all collection aclivilies related to any fraudulent accounts lied XXXX XXXX unauthorized inquiries be stopped immediately. 
FCRA Violation - Permissible Purpose : According to FCRA Section 604, a company must have a permissible purpose to access a consumer 's credit report, such as my explicit authonzation or a credit application indiated by me. 
These inquiries were made without such permission, and I believe this is a clear violation of the FCRA. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these unauthorized inquiries and hold the credit reporting agencies and any related companies accountable for violating the FCRA. 
Requested Resolution : immediate removal of all unauthorized inquiriss from my credit report. 
A full investigation by the CFPB into this violation of the FCRA. 
-Ensure that the credit reporting agencies comply with the FORA XXXX maintain accurate information. 
Thank you for your immediate attention to this matter. 1 look fonward la a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my complaint # XXXX, EXPERIAN INFORMATION SOLUTIONS , INC. , claims to have conducted an investigation that leads them to believe that the information for XXXX XXXX XXXX Account beginning with : XXXX is reporting accurately. 

Also, my name has not been corrected as I have never gone by XXXX XXXX XXXX ever in my life. I have again attached my license as proof that is not my name. 

It has also been brought to my attention that EXPERIAN INFORMATION SOLUTIONS , INC. is furnishing another late payment for XXXX XXXX Account beginning XXXX. The account has been in dispute since XX/XX/2021 with XXXX XXXX XXXX 's legal team. In addition, 15 USC 1666b states that the consumer can not be late for any reason when a credit card account is under an open end credit plan in which this account meets the requirements.
Product: Mortgage

Again, no payments have been missed. All principle payments are up to date. Insurance is up to date on property and homeowner is not required to send any documentation to a 3rd party that is not an interested party to the property. 

Shellpoint is trying to take the land and property. 

This Bureau has the duty of protecting all Americans, including myself, with the fraud that is taking place with Shellpoint and its affiliates. 

This document is now authored from XXXX, Michigan. Have no idea who these people are and need to contact the lender for that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under XXXX it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under TransUnion the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number
Product: Credit reporting or other personal consumer reports

Inaccurate information reporting on my credit report. Reporting 22 negative accounts that have been discharged through bankruptcy. I only have 2 open accounts and they are not in bad or negative standing
Product: Credit card or prepaid card

USAA Financial Services reported that I was 30 days late on my credit card to the credit bureaus. We only discovered this late report approximately a month ago when applying for a loan for a new home. In the last few weeks we have spoken with USAA 5 times on the phone including most recently today for over one hour. On every single phone call we've had with them they state that it was an error on their part and that they'll fix the error. Last week they mailed out a statement letting us know that they found no issue with their reporting and that we should file an appeal in order to correct this issue. Today, as previously mentioned they were extremely apologetic but said that we should be fixing their reporting issues with the credit bureaus rather than them. We are extremely frustrated with this issue. Their negative reporting is going to cost our family thousands of dollars a year in interest costs on our new mortgage as a result of their negligence in reporting and incompetence in fixing the issue. Unfortunately, the 3 times we've had them tell us we'd get a statement in writing that they were incorrect in their reporting they've failed to produce one.
Product: Payday loan, title loan, personal loan, or advance loan

American first finance told me that I was able to have interest fee payments for 90 days after I took a personal loan to buy my equipment from XXXX XXXX XXXX XXXX in XXXX XXXXXXXX only to discover that instead of the high interest fees I was told over the phone by the people from XXXX XXXX XXXX XXXX I was charged a financing fee instead, I was never told that over the phone now Im stuck with {$92.00} ( {$3.00} dollars goes to the actual debt, and thats if they dont charge you more fees to restart your debt ) taken every week Ive already paid back the {$2800.00} I borrow but the unpaid balance still shows I owe {$2600.00} I dont even know if its still true but I had also investigated and discovered that American first finance doesnt even have a license to give out loans in California, now my finances are in shambles and I feel like theyre sucking me dry and I feel like Im running out of options
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX and Chexsystems reporting XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$XXXX}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$XXXX}, a credit account at XXXX  with a balance of {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 
Inquiries found on XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

There was a fraudulent charge made on the account. I closed the account on XX/XX/XXXX and received a confirmation via email that the account was closed. However, the account does not appear to be closed because another fraudulent charge was made in XX/XX/XXXX. I have informed the company multiple times and each time they send my request to a Security Department but they seem unable to fix the issue and close the account.
Product: Debt collection

I believe my personal email was hacked on or about XX/XX/2021. I usually recieve about XXXX emails a day, then I received about XXXX. One of the emails was from Bright Lending/XXXX about an effort to collect a debt. I have no outstanding credit issues that would be in collection. I called Bright Lending and told them I have received an email from them in error and I had no debt in collection. They requested my social security number, address and other information that I refused to provide. I asked how to dispute the error and I was directed to their webiste. I disputed the claim. 
On XX/XX/2021, I received an email and attachments from them indicating I owed them {$2700.00}. The attached documents include an what looks like a loan form for {$800.00} at 666 % interest, now due. There is a loan document with my name, address, and cell phone number and with no signature. I responded to the email and indicated I would continue to dispute. I did not enter into any agreement with Bright Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file
Product: Credit card

Where to begin with this piece of XXXX company?! For starters, an automatic payment of {$200.00} was extracted from my XXXX XXXX Checking Account ( i.e. account # ending in XXXX ) on XXXX, and yet on XXXX when I realized that my available credit/and balance was not updated, I promptly called and was informed that my available balance/and credit would be updated on/or by XX/XX/year>. When I questioned why it would take XXXX business days to update my balance the representative stated that the delay was instituted because of a returned payment in XX/XX/year>. However, the bank did not inform me that this change was taking place, did not provide me/or share with me that this change was occurring in writing, nor did they provide a time frame associated with this significant change, so merely providing me with this rationale verbally is inappropriate, considering in the past ( i.e. XX/XX/year> ), my available credit/and balance was updated without any issues. After hearing this, I became extremely upset and requested to speak to a supervisor and upon speaking with him, he merely repeated the same thing that the previous representative had stated! XXXX!? Instituting changes without alerting your consumers is an abuse of power and shows that the bank has XXXX morals/or values relative to how changes impact their customers and their only goal is to punish individuals who have had a returned payment! INSTITUTING SIGNIFICANT CHANGES WITHOUT ALERTING CONSUMERS IS ILLEGAL! According to the ( FDIC ) Federal Deposit Insurance Corporation, " your insurer generally must provide a 45-day advance notice of any significant changes in account terms ''!. This did not happen and of course, there is no paper trail to support what I was told over the phone and yet, they didn't waste any time to extract a payment from my external account and apply it which reflects in the system, but REFUSES to update my balance/and available credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowledge or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation
Product: Credit reporting or other personal consumer reports

I submitted a dispute for the child support accounts to be removed off my credit report to all XXXX credit bureaus ; XXXX, XXXX, and TransUnion. 

The Accounts are unlawful & Fraud. I did not open any account, or enter into any agreement with the Child Support Agency, nor did the debt start from a " CREDIT TRANSACTION ''. I do not have any loans with Child support & Ive requested all accounts be removed.. 

I disputed these accounts on XX/XX/year>. 

The bureaus didnt do anything but claim to Update my report but the Child Support Accounts still show.
Product: Mortgage

Respected Sir / Madam I contacted Fay service to opt out my Escrow payments of Property Taxes + Home Insurance + PMI on XXXX, XXXX. 
They approved my request but after some time they denied due to my Loan to value ratio was 80.4 % I paid additional principles of {$6500.00} sometime first week of XXXX to bring my loan to value ratio 78.9 %. 
I requested again sometime around XXXX XXXX  via phone & e-mail but as on date Fay services Supervisor, XXXX ( Short Initial ) not approved my request. 
More ever Fay Services charged {$140.00} PMI for the month of XXXX XXXXXXXX  ( My mortgage payment is monthly ) as well as they will posted to deduct {$140.00} PMI for the month of XXXX. 
Can you please help to opt out Escrow payments of Property Taxes + Home Insurance + PMI from my mortgage payment immediately & ask Fay services to refund {$140.00} PMI for the month of XX/XX/year>. 

I have attached series of e-mail for your kind review. 

Thank you so much in advance for your help on this. 

Best regards, XXXX XXXX
Product: Checking or savings account

So I've had this problem with chime where I keep filing and dispute for a charge of {$78.00} not this is a charge that I did authorize for a purchase on a website that at first I thought was legitimate and then turned out to be a scam website so then when I proceeded to file a dispute to chime so I can get my money back because for starters the product that I purchased never arrived and second getting in contact with the merchant wasn't going anywhere so I filed my dispute not XXXX thing to keep in mind I purchased this item on XX/XX/XXXX then I probably filed the dispute sometime between XX/XX/XXXX through the XXXX and to this day I've yet to get this item I purchased and I'm still fighting with chime to get my money back and every time I ask them why did they climb my dispute they told me it was because there was no error in the billing when that wasn't my problem to begin with I never received the item that I purchased which was my problem
Product: Payday loan, title loan, or personal loan

Hi, I am filing this complaint because the executive office of Well Fargo is denying me to use a promissory note to open an account. 

I filed with them twice My 1st case # XXXX the agents were XXXX XXXX and her boss XXXX XXXX. They refuse my claim My, 2nd case # XXXX the primary agent is XXXX XXXX which look at my first case and reexamine the claim. He also refuses my claim. 
I have sent out attachments through email about the laws and regulations to back up my claim. 
" In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. 

" A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. 
" Banking Associations from the very nature of their business are prohibited from lending credit. '' ( St. Louis Savings Bank vs. Parmalee 95 U. S. 557 ) " Banking corporations can not lend credit. '' ( First National Bank of Amarillo vs.

Slaton Independent School District, Tex Civ App 1933, 58 SW 2d 870 ) " Nowhere is the express authority granted to the corporation to lend its credit. '' ( Gardilner Trust vs. Augusta Trust, 134 Me  191 ; 291 US 245 ) " A national bank has no authority to lend its credit. '' ( Johnston vs. Charlottesville National Bank, C.C. Va. 1879, Fed Cas. 7425 ) " A contract made by a corporation beyond the scope of corporate powers is unlawful and void. '' ( McCormick vs. Market National Bank, 165 U.S. 538 ) ( Note : Black 's Law Dictionary : ultra vires Latin for " beyond powers. '' It refers to conduct by a corporation or its officers that exceeds the powers granted by law. ) Wells executive office does not recognize the laws My loan is to fix my teeth because I have XXXX  XXXX and it affecting my health which is putting me at risk. I need your help to reach out to them and give the laws above here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires XXXX  requested on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX requested XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX requested on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, also they have my address is incorrect it is XXXX XXXX  XXXX, XXXX, WI XXXX not XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX Experian Attn : Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!