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

RE : Innovis Credit Agency Dear CFPB : I called Innovis to request a copy of my credit report. I received my credit report on XX/XX/2019. After reviewing my credit report, I spoke to a representative on XX/XX/XXXX in regard to my name listed with a middle initial. I do not have a middle initial on my name. 

In addition, Innovis had listed an old address as my current address and an old phone number that was previously deleted. Innovis reported an old address, incorrect name and phone number. 

When I questioned why my address and personal information was incorrect the Innovis rep said, " we get this information from your creditors ''. I said that's not true and my personal information was reported correctly and you changed it. 

After further investigation, On XX/XX/XXXX I had applied for a credit card of which I didn't receive until months later because the creditor pulled the Innovis report and found an incorrect address and sent the credit card to the old address which was returned to them. 

Innovis had failed to maintain accurate address information and transmitted inaccurate name, address and phone number to my bank. A requirement of the Fair Credit Reporting Act. 

Innovis failed to conduct reasonable investigations/disputes concerning on of my accounts that was not reported accurately. Innovis failed to complete investigations/disputes. 

I am submitting this complaint to the CFPB to notify Innovis that any continued violations of the FCRA will lead to a civil lawsuit. 

I take this matter seriously. Credit reports inaccuracies are one of several potential privacy violations and personal information mistakes are FCRA violations. 

Please send my complaint to Innovis, I will be in contact with them regarding other matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( 1886 ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. OnXX/XX/XXXXconsumer received e-mail Experian General Counsel ; acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.
Product: Checking or savings account

I recently saw multiply articles regarding a settlement with Wells Fargo Bank. I had an account in the mentioned timeframe and do recall receiving multiple overdraft fees during that time, which were inconvenient and resulted in me closing the account. The website says to file a claim directly with CFPB as I have not received anything directly from Well Fargo. 

https : XXXX
Product: Mortgage

XXXX conti The last WF rep did not return my XXXX return calls. 

ext XXXX XXXX XXXX. 

XXXX XXXX never called back. 

For the record. 

Loan should have never been initiated, the in house WF loan officer pressure me to close the loan, threatening litigation. XXXX XXXX XXXX can easily be found on linkedin https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The builder has since gone bankrupt. XXXX XXXX XXXX XXXX XXXX  The term of the loan were made very difficult and I asked for some leniency that was denied. 

I eventually closed out the loan sold the property. 

WF sent me a XXXX XXXX and an apology for their fraudulently behavior and pretended that it was due to inappropriate issue related to a CHECKING account linked to the HELOC loan. The Checking account is only a diversion from the issues. 

WF has offer to resolve the issues in mediation. Round one claimed that I accepted resolution for all issue when only issue discussed during mediation was the checking- very unhanded.

So please have WF mediate the real issues and compensate for their fraudulent activity as it relates to the HELOC Loan. Thank you
Product: Credit reporting or other personal consumer reports

I requested the removal of these unauthorized inquiries so checked the documents that I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with City worth to refinance my house just started in XXXX and and they said that my credit score was too low and to work on it and they would figure out how to get my refinance to go through they called me every single day saying they were closer and closer yet I did not know they were pulling my credit numerous times and sadly they said I was approved and all in all it was a huge scheme and now they want me to pay the money and refuse to take the inquiries off my account because they want to continue to try to get me the loan even though I have not given them consent to keep pulling my credit and they pulled it to the point that I can not refinance with anybody and they have taken the last 2 years of my life of trying to get my credit up and destroyed it the man working on my case of the refinance told me that his boss what's the one that told him to keep pulling my credit and the man wants to send in a paper State and that yes he was told to pull my credit but the boss will not allow it and he told me the best thing is to dispute the charges and that's pretty sad that it's coming from somebody that's inside the company I've already reported them to the XXXX XXXX and now I am just trying to get these inquiries taken off my account because like I said they scammed me to the point where they took everything away from me and now I will have to wait another 2 years before I can try to refinance because I have to bring my credit score back up if you do not take the inquiries. off. This company has literally destroyed my life and were calling me and asking me for so much information that when I got the SBA loan from the IRS I didn't have to go through this much and it got to the point where they called me right when my XXXX XXXX and were forcing me to find paperwork and I told him I didn't want to continue on with us numerous and numerous and numerous times and then to have a phone call just last week from them State and that they were going to close out the loan because the credit score was too low and that's when I realized that they were pulling my credit almost every 30 days.
Product: Credit card

I used the XXXX XXXX  to make several purchases during " rent day ''. Some are switched purchases but some are also direct purchases. I used to earn points on such purchases, but XXXX refused to award me the points this time. They quote that the XXXX XXXX XXXX  has excluded such purchases but XXXX never notifies me.
Product: Vehicle loan or lease

The interest fluctuate. Its never consistent. I have a 2.9 % interest rate and a monthly payment of XXXX. With my calculations thats a {$30.00} interest rate. However they say they have a daily interest rate of {$4.00}, which I am unaware of. Also I pay before due date and sometimes more. However I feel like Im being penalized for paying before time. The interest in order payment of {$1100.00} principal XXXX and interest {$230.00} on XX/XX/XXXX, payment of {$1100.00} principal XXXX, interest XXXX payment on XX/XX/XXXX, payment {$1000.00} interest {$810.00} and interest is {$230.00} on XX/XX/XXXX, on XX/XX/XXXX payment of {$1100.00} principal XXXX and interest is {$110.00}, payment on XX/XX/XXXX XXXX principal XXXX and interest XXXX, on XX/XX/XXXX payment of XXXX and principal is XXXX and interest is {$72.00} on XX/XX/XXXX payment of {$1000.00}, principal of XXXX and interest of XXXX and payment on XX/XX/XXXX payment of {$1000.00} principal of {$900.00} and interest of {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX {$960.00}
Product: Checking or savings account

I received an automated email today advising that my account would close due to inactivity with a CEO account. I have never created a CEO account and am concerned this is one of those fake accounts banks fake to make their books look better. 

I am most concerned because my work email was used, and my last name was used. While I bank with Wells Fargo personally, I do not have a business or commercial accounts.
Product: Debt collection

SEQUIUM has committed several violations against my person an is affecting me in a huge way, please forward the following documents to this company.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX XXXX XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} each. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. 

On XX/XX/XXXX I logged into chase.com to pay my credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. I then called chase at ( XXXX ) XXXX and opened a case for my self and my wife. I was told to call back to get the status after a few days. On XX/XX/XXXX I called to get the status and was told it was in my favor and i should get the credit in a few statements. 

On XX/XX/XXXX, I received a letter stating that my request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. 

Case number 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 n 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 XXXX 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 three 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 XXXX admitted they had my police report XXXX 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.
Product: Credit card

I went to XXXX in XXXX of this year for few days and rented a car XXXX. Allegedly, XXXX billed my credit card few months alter for reason still unclear to me. Chase mailed me documentation XXXX which I ca n't read nor understand. I 've been working with Chase diligently to resolve this but apparently they are NOT listening nor seem to care. I 've left with a charge of {$640.00}. Please help in this XXXX scenario!!!
Product: Credit card

I received a letter in XXXX saying my account was closed after I've been a customer for XXXX years or more. Maybe 10 years tbh. I have always paid on time, and never had an issue. The letter said that the did it for credit reasons or an agency report. I went to all the credit agencies and got reports they were all clean. 

I called in and appealed. The operator was surprised because he couldn't see the exact reason why. He sent it to the back office. 

I got a letter about 2 weeks later saying that Synchrony can cancel a credit card at anytime. And the initial reason was posted in first letter. 

They have not given me any information aside from that it was internal. 

I had to take a loan from my XXXX to pay it off. And my credit score is now lower than ever because my age of credit dropped. 

They told me I could not re-open the card, but I would have to reapply for a new card. This doesn't pass the sniff test.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan

I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.
Product: Debt collection

Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. I even drove to the doctor office and they do n't know me or I do n't know them? they also had no file of me. 

and its still not resolved. They want even more info. this account is from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my consumer report and I noticed some inaccurate information on my consumer file. As pursuant to 15 USC 1681e ( b ) consumer reporting agencies must prepare a report that is accurate to the max. They have been in violation to my consumer rights. On my Transunion file, I am seeing incorrect addresses that I have never lived. I want this to be removed immediately. 
see attached containing proof of identification and proof of residence. 
Remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Reported XX/XX/XXXX These are erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX about a paid and closed account with Santander Consumer USA. The account was paid in full and closed but was showing as open with no reporting of payment for 60 days. Due to this, I was denied a mortgage. After calling Santander, I was given a paid in full letter and told to dispute the information with the credit bureaus. I complied and submitted the letter from the company, payment confirmation numbers and emails for the total balance in question. The results came back today that Santander certified the wrong information as correct. I called them immediately and they said that was impossible because my account is closed. Also, if I have and submitted documented proof, someone at the credit bureau should have at least looked at it. They clearly did not. If consumers are reporting a creditor for reporting false information ( especially more than once ) why would the bureau automatically take their word and not really investigate it. Ive let it go for years and accepted the results but this is actually costing me opposed its wrong.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Coinbase ( Coinbase Wallet ) XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX On dates ( summarized ) : - XX/XX/XXXX Sent ETH to Coinbase Wallet - XX/XX/XXXX Sent MANA to Coinbase Wallet via Coinbase/XXXX  XXXX Sent BTC to Coinbase Wallet  XXXX Sent XLM to Coinbase Wallet via XXXX XXXX Sent XRP to Coinbase Wallet via Coinbase XXXX I downloaded this app from the XXXX Platform to my mobile device and screenshot my recovery phrase on this specific date ) XXXX Coinbase Wallet became inaccessible XXXX Coinbase Wallet was created The sum here is I have transactional proof of where funds got to my previous wallet. I'll be more than happy to disclose in more detail these transactions and whatever else to do so. 

I am writing you because ( I have been locked out of my account due to what I highly speculate is that there was a bug with the fingerprint authentication leading to being locked out of my funds. The new 12-word mnemoic phrase for my empty wallet is EXACTLY the same which I can screenshot for proof as well ) : -The customer service team has not fully resolved Case # XXXX ( prematurely closed ), now Case # XXXX. 

Under the " Sale of Goods and Supply of Services Act, 1980 '' and from XXXX ( will be the last point ) - The supplier has the necessary skill to provide the service -The service will be provided with proper care and diligence - The materials used will be sound and that good supplied with the service will be of merchantable quality - " ... This means that if you lose your recovery phase, you will lose access to your Coinbase Wallet ''. I never lost it so when it locked me out, I should have been able to log back in. Makes sense right? 

Well, that's not what happened and that's why I am submitting this complaint today. This crypto wallet has become inaccessible no fault of my own and I need Coinbase Wallet to do the right thing and redeem my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I received a letter from a company saying thanks for applying for a credit card. I never applied for a card. The company is Genesisfs Card Services, XXXX XXXX XXXX, XXXX, OR XXXX.
Product: Debt collection

Upon checking my credit report I found two collections being reported inaccurately. Both collections are from the same company ( XXXX XXXX ) I spoke with XXXX XXXX multiple times and the assured me this information would be deleted due to fraudulent charges and information used to obtain this account. These accounts are not mine and I have no knowledge of these accounts. I would like these accounts removed and my credit report updated as soon as possible. This is against fdcpa law. This company is reporting false fraudulent accounts in order to gain money. This is my final attempt to resolve this matter or I will be seeking legal action. Thank you for quick response as law 15usc169e807 ( 8 ).
Product: Checking or savings account

I used the wells fargo online checking bill pay service to pay my property tax. The check for {$6400.00} was supposed to be sent out on XX/XX/ and delivered by XX/XX/ to the XXXX XXXX XXXX XXXX XXXX XXXX  in order to pay for my property tax. The money was withdrawn from my account on XXXX XXXX XXXX however the XXXX XXXX XXXX told me they did not receive the check in time. While this service has worked to pay this bill in the past, this time the payment did not arrive by the promised date. I was charged a {$650.00} late fee. 

Wells fargo documentation states that wells fargo promises to pay for late fees which occur due to them not getting payments delivered on time. I also had support people on the phone reiterate their policy is to pay late fees when their system does not deliver checks to payees by the promised date. 

When I call the wells fargo bill pay specialists to inquire about this case and about them paying this fee for me I get the run around and I get ignored. A wells fargo bill pay specialist ended up telling me they won't pay this fee on my behalf. I was promised a higher level manager would call me back in 24 hours but no one ever reached out to me. 

I want Wells Fargo to hold up their word and pay the late fee I incurred due to their system not getting the check to the XXXX XXXX by the time promised.