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

This letter is a formal complaint that Innovis Data Solutions Inc. is reporting inaccurate and incomplete credit information. 

Innovis has included the information below in my credit profile and has failed to maintain reasonable procedures in its operations to ensure the maximum possible accuracy in the credit reports they are publishing. The FCRA aims to ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information needs to be re-investigated. 

Innovis furnished an account as verified, and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Innovis is required by Federal law to verify, through the physical verification of the original signed consumer contract, any and/or all accounts that theyre posting in a consumer report. Otherwise, anyone paying for Innovis reporting services could fax, mail, or email in a fraudulent account. 

I demand verifiable proof ( i.e. an original consumer contract with my signature on it ) that Innovis has on file for the account ( ATTACHED ) .The original consumer contract with my signature. 
Full Payment history from the original creditor ; The original creditors name, and address according to the original contract ; Proof of ownership or assignment to collect ; Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof through physical verification, you must remove the account listed below. I demand proof of the following account through physical verification or removal immediately. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my original signature. Failing that, the item must be deleted from the consumer report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in Innovis reporting. 

Please delete this misleading information and supply a corrected consumer profile. Additionally, please provide the name, address, and telephone number of each consumer data furnisher, grantor, or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card or prepaid card

I received an email offer from Ally Bank stating that I was " pre-approved '' for an Ally Bank credit card. The offer stated that I would receive {$200.00} after spending {$500.00} on the card. I received XXXX of these emails within one week. Obviously, since I received 2 emails, Ally Bank must have checked me out to determine that I was " pre-approved. '' The offer is misleading. In most cases, " pre-approved '' means that you qualify unless the company determines that the information you provide in the application is false or can not be substantiated. Ally Bank must have checked my credit report to determine that I was " pre-approved. '' The application process then asks me for employment, asset, and income information. Ally Bank misleads consumers to believe that they are " pre-approved '' for a credit card, when, in fact, they are simply fishing for a consumer 's financial information in hopes of marketing other products to the consumer. Ally Bank and other financial institutions should be STOPPED from using the terminology of " pre-approved '' when the financial itself has reached out to the consumer with the " pre-approved '' offer. As I stated earlier, I received the same email solicitation from Ally Bank within a 1-week period XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

WellsFargo is the ONLY lender that requires a subordination agreement from a XXXX mortgage. After being underwater and Foreclosured for a few years I have finally been offered a Modification and I started making payments in XXXX 2015 just to find out that the Modification ca n't be final unless this subordination is signed by XXXX XXXX ( my XXXX mortgage ). My XXXX is not agreeing to this subordination and this will cause my modification to be cancelled and therefore to lose my home. 
These mortgage practice is denying many homeowners like me the opportunity to keep their very dear homes. It is a practice that should be banned.
Product: Debt collection

I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a 3rd party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with Credit Acceptance for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required. I've sent 3 letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous XXXX  XXXX discomfort and damage..
Product: Payday loan, title loan, personal loan, or advance loan

Denied loan on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Not sure how to answer this question none of my reports match and there are old accounts still listed also my personal information is listed and I asked to freeze all credit report because I have been one of the people who's information has been in data breach across them all of them and never got anything fixed nor compensated for any of these breeches. I'd like it all removed or corrected immediately please they get all these 3rd party debt collectors send im any thing and report the wrong information
Product: Debt collection

I am victim of identity theft by someone who apparently lives in Massachusetts. Addresses are now in my credit file from Massachusetts while I actually live in XXXX, Texas. This person has opened at least 3 credit card accounts in my name and with my social security number. Now, two collection agencies ( XXXX XXXX XXXX and Sunshine Credit Services ) are on my credit record trying to collect money not paid to XXXX XXXX. I have never had an account or purchased anything from XXXX XXXX. I am filing this report to make you aware of the identity theft and I have asked both XXXX and XXXX to remove these detrimental records from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$590.00}
Product: Checking or savings account

I ( XXXX XXXX XXXX booked a night at the XXXX XXXX on XXXX XXXX XXXX, XXXX, RI XXXX using debit card # XXXX on XXXX, XXXX, XXXX. When I checked in at the XXXX XXXX on XX/XX/XXXX, the hotel accidentally charged debit card # XXXX when charging for incidentals. They tried to refund me on their computers multiple times, but it didn't work. After XXXX month, I filed a claim with my bank, Chime. 

Chime has never called this XXXX XXXX a single time, yet continuously deny my claim and refuse to refund me my money back. 

Their denial email offers to show me documents used when determining the final outcome, but over a phone call they said these were unavailable. The fraud claim denial letter comes from an email that you can't respond to, and getting in contact with their phone service is incredibly difficult. 

These are deceptive and improper banking practices, they could easily just call the XXXX XXXX and speak with the XXXX to confirm the efficacy of my claim, but instead they choose to active deceive and deny their customers their due process and money owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

NCB MANAGEMENT SERVICES Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 someone tried to open an account under my driver 's license & a phone number I had like 20 years ago thru Target I need a letter to send to XXXX XXXX so a hard hit can be removed. XXXX XXXX said to ask for FTC report- fraud- my cell is XXXX if you have any questions I called you guys 3 months ago & haven't received anything
Product: Mortgage

Still moving forward with the forcloser while I am in review, hearing XX/XX/XXXX, this is a illegal forcloser, and demanding large sum of money, do not owe Carrington mortgage anything, they was forced to remove the credit report due to 7years since last payment in XXXX, the statue of limitations ran out when XXXX  XXXX XXXX had the loan, made illegal assignment of deed to Carrington mortgage, a dept collector, they are also barred from filing suit, also, targeting the XXXX XXXX XXXX
Product: Student loan

greatlakes loan transfer in the amount of over {$88000.00}. Payments were made during covid. a 1098e int statement was received and filed with taxes for 2022 amount over {$6000.00}. Nelnets response was there was no interest charged, I provided proof and requested a itemization of the loans transferred. All capitalized interest is back on the loans. There is a problem with the loan transfer. Attached is 4 years of payment history. Something went wrong in the loan transfer.
Product: Vehicle loan or lease

I wrote Ford Motor Credit two letters asking for information regarding the fraudulent account that was opened in my name. I firs contacted them on XX/XX/year>, there was response. I then wrote another letter on XX/XX/year>, still no reponse. The account was open in another state that I do not reside or live in. I did not authorize no transactions with ford motor credit. I would like for the account to be removed immediately off my credit report.
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT IS REPORTING ACCOUNTS THAT ARE INACCURATE, AND UNVERIFIED. THESE ACCOUNTS ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN XXXX, EQUIFAX, AND XXXX..THIS IS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE DLETED IMMEDIATELY FROMM MY CONSUMER REPORT. DELETE THESE ACCOUNTS
Product: Credit card or prepaid card

Their answer is totally unacceptable. They owe me about XXXX dollars. 
They are charging me interest w/o explaining why. And calling it Converted Balance. I believe I have a right to know what they are charging me for.
Product: Credit reporting or other personal consumer reports

I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX
Product: Money transfer, virtual currency, or money service

I tried to dispute them with my credit report, but they just keep coming back verified which is not accurate per the FCRA Laws. So then I started digging on my own with this company and noticed they are not supposed to be operating in my state. They do not have a collection agency license. not only does this breaks the FCRA laws but also the State laws. This is Fraud.
Product: Consumer Loan

on XXXX XXXX, 2013 I received several phone calls from Onemain Financial about a payment on my account stating that my account was past due. and and the lady told me i better bring my XXXX XXXX to the office and make payment, i went to the office and told her she will treat me with respect and she called the police on me. so i sent a cease and desist letter to Onemain Financial to stop harrassing phone calls and to comunicate with me through the USPS. and since that day Onemain Financial has refused to accept my payments and caused me to breach the contract for a loan that is secured with my vehicle title. and they have listed a different account number regarding this loan with with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.
Product: Mortgage

In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over 7 years old. I did not receive any response, so I submitted online request with TRANSUNION to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 9 items that need to be removed from my credit report. Thank you
Product: Debt collection

Portfolio Recovery is inaccurately reporting on my credit reporting as an opened account as of XXXX XXXX impacting negative remarks on my credit. 
They have failed to provide a proper proof of verification of the debt.
Product: Credit card or prepaid card

I was set to travel with XXXX XXXX XXXX in late XXXX of this year. It was business class seats for two for XXXX dollars each. The first time in my life that I bought business class seats. My flight was canceled by COVID protocols. I understand these are not normal times but I do wish my tickets refunded as the flight was canceled nearly 6 months ago. 
I asked via XXXX website back on XX/XX/XXXX about the transaction but the automatic response did not help at all and I was forced to call. I was told I would get a refund shortly. Months passed and I used Discover  's dispute option as I did not fly with XXXX XXXX, get my money back, or even received a credit. 
The first dispute went in favor of XXXX XXXX and I called Discover back to escalate the situation in XXXX. The representative said they should escalate it because I did not get the goods or services I purchased. 
By XXXX I was told that they had still sided with XXXX XXXX because XXXX XXXX claimed it was XXXX 's fault and they need to issue the refund. 
I called XXXX back after the ruling and said they would look into it and I should get a refund by 8 weeks. 
I then called again on XX/XX/XXXX and they now state that they did not follow up on the issue after the first call for a chargeback in XXXX. 
However, they state it is XXXX XXXX who is supposed to pay. I once again tried to discuss this with Discover and they still ruled in favor of XXXX XXXX. 
I am running out of legal recourse other than calling a lawyer at this point. I have three companies fighting and no one who is not helping the consumer. I have tried to contact XXXX XXXX but the process will take 21 days to get to my email.
Product: Debt collection

I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1692g COLLECTIONS NEED TO BE REMOVED FOR MY ACCOUNT IMMEDIATELY OR LEGAL ACTION WILL PROCEED. 
ACCORDING TO 15 USC CODE 1681S-2 CHARGES OFF NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED. 
ACCORDING TO 15 USC CODE 1666B ALL LATE PAYMENTS NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED. 
ALSO MY LEGAL TEAM HAS ALREADY STARTED FILING LAW SUITS FOR EACH VIOLATION FOR EACH CREDIT BUREAU.CFPB ALREADY KNOWS ABOUT MY INFORMATION BEING LEAKED/STOLEN/USED FOR FRAUDULENT ACTIVITY SO I AM ASKING YALL TO PLEASE USE THE AUTHORITY YALL HAVE AND MAKE THESE REPORTING AGENCY 'S ABIDE BYE OUR US LAWS AND GET THIS FRAUDULENT ACTIVITY OFF MY CREDIT REPORT IMMEDIATELY.THANK YOU ACCORDING TO 15 USC CODE
Product: Credit card or prepaid card

In XXXX of 2018 I XXXX XXXX XXXX and had to cancel an XXXX. Their policy is to refund your money. XXXX never refunded my money. I called Barclay Bank and disputed the amount. After they investigated they denied my dispute. XXXX finally admitted they owed me the money and tried to credit it to the account. Barclay will not close the dispute which in turn XXXX can't credit me the money. This situation has been ongoing for 5 months. It is unreal!