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

On XX/XX/XXXX at I sent certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that INNOVIS used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from INNOVIS XXXX. Out of 8 requests for verification of accounts, three items were deleted. The remainder five was not verified under FCRA. On XX/XX/XXXX I sent a second written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 611 ( a ) ( 1 ) ( A ). VERIFY PHYSICALLY the validity of the alleged accounts, any notations, calculations, dates, balances and account records. I requested for INNOVIS to substantiate the information of verification pursuant to FCRA. Verify required 426 character P6 statements, 5 part personal identifiers, and source code illegal to retain in accordance with Metro 2 Format for Credit Reporting, FCRA, FCBA, and ECOA. I received communication from INNOVIS dated XX/XX/XXXX. There were no changes to my report. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/XXXX I sent a third certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. I received written communication from INNOVIS dated on XX/XX/XXXX. I received the same results as the previous INNOVIS communication. FCRA requires INNOVIS to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation INNOVIS received and used to verify the information being reported and maintained in my file. INNOVIS must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate information into my credit profile.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union reported a charge-off for {$2700.00} on account [ Account Number : XXXX ], with inconsistent payment history and unverifiable data. A formal dispute was submitted on XX/XX/2024 but no evidence supporting this charge-off has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # 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 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed the XXXX XXXX card reporting, however I was incarcerated during the time of the opening of the account in which this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I was looking to my credit report and find out there are fraudulent inquires XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  I Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance XXXX {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

From XXXX to XX/XX/2021, under undue influence from a guy I met on XXXX XXXX  app, I started using Kraken  ( Kraken.com ) to purchase Crypto currency to send to investment platform ( https : XXXX ). However, I later discovered that the investment website is scam because they kept coming up with excuses to asking me to pay for more taxes and fees while denying my withdrawal. I contacted Kraken to report being scam, and told Kraken customer support that I reported the incident to FBI, SEC, and FTC already. Kraken customer service immediately closed my account and gave me support ticket number XXXX. They won't allow me to access my account unless the police requested. Kraken has not done any investigation to protect customer and blamed customer 's fault for fraudulent transactions. 
The total amount of money I transfer from Kraken to scam investment platform is {$690000.00} XXXX. And yet they do not take any action to investigate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Radius Global Solutions company is trying to do a debt collection on me for XXXX XXXX XXXX account in Texas that does not even belong to us. XXXX XXXX XXXX account # XXXX. 
Radius Global Solutions ref # XXXX I created a fraud case with XXXX XXXX XXXX  but they denied with the comment that I have to contact XXXX XXXX. 
Radius Global Solutions have denied to give me any details of this case and now applied a credit card on my name. Please help me to restore my credit and get rid of this fraudulent activity.

Phone Number for Radius Global Solutions XXXX address:XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act Convergent accounts name has violated my right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( Toyota motor credit ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( XXXX ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

Lexus financial when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There is an account that is reported wrong on a dollar amount I see 3 accounts that does not belong to me.
Product: Mortgage

I had a mortgage through BB & T for a home originating XXXX XXXX. The house was sold in XXXX XXXX as a Short Sale per agreement with BB & T. The Short Sale was reported as a Foreclosure on Equifax credit report that was run XXXX XXXX. XXXX credit shows Mortgage was reported as " Paid For Less Than Full Balance ; Foreclosure ; Fixed Rate. '' However, per BB & T letter dated XX/XX/XXXX, " The loan is to be reported as " settled '' ( LOAN PAID IN FULL FOR LESS THAN THE FULL BALANCE ) to the appropriate credit repositories. '' I need my credit corrected to show Short Sale for the BB & T mortgage instead of Forclosure ; Paid for less than full balance.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 
It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 
I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00}.
Product: Debt collection

The XXXX unpaid medical bills on my report for a total of {$800.00} were paid back in XXXX 2015. I need this removed from my file please.
Product: Debt collection

Was adv by cfpb a few months back that this reporting would be removed in 60 days if communication was not heard from the original company. I have not received any type of communication mail or phone from this company and has never heard of them before or after the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a MAJOR drop in my XXXXredit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid 700s to 675! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.
Product: Student loan

XX/XX/XXXX-XX/XX/XXXX I went to a for profit school for XXXX. The school lied about their success rates with the students who were actually working. Once done with the schooling I was to start paying my loans back after 6 months. I was never given any licenses except for XXXX. When applying for jobs I was over looked because i had no licenses. I was lied to about getting my pell grants which were supposed to go to my loans to help lower them. In the end it was never applied to the loan amounts. Navient has ruined my credit. I cant go back to school with this loans on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX