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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy Record being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from Equifax Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore Equifax did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.
Product: Mortgage

I took a 20 year loan with Banco Popular totalling {$91000.00}. On XX/XX/XXXX XXXX, I received a call from Banco Popular, XXXX XXXX XXXX XXXX. The call was to make me an offer of an amnesty of up to 4 months. My credit would not be afeccted nor late charges were not goign to be XXXX. I ask XXXX XXXX if the conversation was recorded, and he told me it was. I ask if the payments were going to be mmove to thje end of the loan and he told me yes. I ask if it was going to be a lump sum payment or installments and he told I just have to complete my installments. I took 3 months out of the offer of 4 months and resume my payments regualry. In my payment number XXXX I print the screen with the balance on the loan and the numbers of paymnents made. I did the same with the payment number XXXX. When I went to make the payment XXXX I notice the loan was increase by {$2700.00}. I made a call to the bank and spoke with XXXX XXXX XXXX, she send me a statemnet showing a second mortgage for the same amount, I stated writing since then telling her I have never apply for a second loa, that they sum that amount to me loan without my consent. I told her I wanted to hear the telephone converstion with an officer of the bank because the conditions offer and accdepted by me were very different to what they establish. XXXX XXXX told me several time that I just have to complete my XXXX paymnents, not that I was going to endo up payimg XXXX payments, that was not what we agree over the recorded conversation. I made the payment number XXXX and they charge my bank account but have not credited to the balance of the loan nor to the number of payments. I receives a letter that I missed a payment when I have the receipt of the XXXX payment. I hope you can help me, this institution is abussing of myself and probalbly of many other who have not notice the shceme.
Product: Credit reporting or other personal consumer reports

I have sent several certified letters out to Equifax. I was told that I need to make a police report before they remove the inquiries becausen they are factual. I was also told that they were accurate and I needed to contact each company that was on the report which I responded if they don't have an account attached to the inquiry please remove it and would they also send me a copy of an application with my name attached to it or my signature, I was told they didn't have to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A CONSUMER DISPUTE REQUEST! I AM NOT REQUESTING THAT INNOVIS DISPUTE ANY ACCOUNTS IN THIS COMPLAINT. THIS IS A COMPLAINT OF INNOVIS NON-COMPLIANCE of the FCRA 611 ( a ) ( 6 ) ( B ( iii ).

On XXXX XXXX XXXX, I sent an correspondence to Innovis requesting the Method of Investigation for the prior disputed accounts that was submitted on XX/XX/2022. I have reason to believe that a thorough investigation was not completed therefore I requested the Method of Verification from Innovis. 

As stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ) provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Innovis failure to comply with FCRA in regard to providing me with the method of Verification is a clear violation of my federal rights as a result of their non-compliance. Innovis ignored my request and sent me a general response non-related to the Method of Verification that was requested. 

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I have not received the Method of Verification from Innovis. I am attaching the original Method of Verification Request that was sent to Innovis, along with the Certified Return Receipt as proof that Innovis did receive my correspondence. 

I did file a prior complaint with the CFPB on XX/XX/2022. Innovis responded that they needed authorization from you to proceed with your complaint. So please find a affidavid of Identity attached to this complaint. Also I myself XXXX XXXX do give Innovis authorization to answer to this complaint. Innovis contacted me by mail on XX/XX/2022 regarding the complaint that I previously made to the CFPB. 

On XX/XX/2022 approximately XXXX I reached out to Innovis office of consumer affairs and explained in detail of the non-compliance of the FCRA because of their refusal to provide to me the Method of Investigation. The representative that I spoke with was unable to provide me with a reason to why Innovis violated my rights that are clearly stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ), by not responding to my request for the method of investigation for the prior disputed accounts.
Product: Credit reporting or other personal consumer reports

The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( XXXX ) accounts reporting on XXXX, XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint last XX/XX/XXXX  regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX  XXXX XXXX ( Collection ), XXXX  XXXX  XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security has been breached, resulting in compromised personal details ( including social security numbers and other financial information ) of millions of people, including my own. The company must be held accountable for the sharing of private information of millions of consumers.
Product: Mortgage

During this long and arduous process, Pacific Residential Mortgage Company was rude and descriminating towards my service-connected XXXX.
Product: Student loan

In XX/XX/XXXX requested to begin auto pay as student loans, resumed, checked in a month later, when I didnt see the auto debit from my checking account ; payments were listed as overdue with no record of my auto pay request or information as to why auto pay was not started. Requested again, and was given a new auto pay start date in XXXX. The same situation followed a month later, and now I am supposedly going to have an auto debit taken on XX/XX/XXXX, with no confidence it will be taken. I requested helpful company more than once and havent received any useful assistance other than excuses. I feel as though they are intentionally not using the auto pay option in order to charge late fees. In addition to not getting the auto paid debited there is no reminder email or any other way of informing me that the loan is due so it feels like intentional negligence on their behalf to charge additional service fees, as I have been a good borrower and stay on top of my loan payments as soon as they resumed. I have spoken to XXXX with the same servicer and have heard that many people are having the same experience and decided to lodge a formal complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Thank you for your response. However, I find it unprofessional and insufficient, as it neither adequately addresses my claims nor provides any evidence to substantiate or refute them. 

I am formally requesting a thorough investigation into this matter and demand that you provide documented proof to support your position within 30 days of the date of this letter. Failure to comply with this request will result in further action. 

Additionally, I am issuing a cease and desist notice to immediately halt any attempts to collect this debt, as I do not believe the debt is valid or substantiated. If this matter is not resolved satisfactorily within 30 days, I will consider pursuing legal action. 

Please take this matter seriously and ensure a transparent and comprehensive resolution. Should you require any additional information, feel free to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way :
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was recently removed from my credit report due to fraudulent account from XXXX XXXX XXXX now they using a different creditor to post inaccurate information on my credit report i ask that it be removed ASAP
Product: Credit card

Credit card merchant paid disputed charges without my consent. Merchant went on to file deceptive report with credit bureaus. Credit card company misrepresented merchant dispute later fictitiously listed as late payment, missed payment and merchant charge-off.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After depositing a check to my business account on XXXX, Bank of America informed me that they were terminating the banking relationship. After some investigating, it was determined that I needed to send over another document on my companies dealings. Documents were taken to a branch, and sent to Bank of America 's corporate office. From there representatives have informed me several times that my funds totaling XXXX  would be sent. The representatives asked me to call back on the XXXX of XXXX. I rang them and was informed that funds would be sent on the XXXX of XX/XX/2024. The XXXX came and went, spoke to another representative who stayed the account would close out on the XXXX and to call again on that date. The XXXX arrives with me going into a banking center local to me, and having a banking mngr call on my behalf. We were then informed that I needed to wait until the XXXX. On the XXXX I call, only to be told that I should call on the XXXX '', i I formed the rep that it was indeed the XXXX she told me to go to a branch and have a rep there call and confirm my identity. The following day I returned to the same branch I'd previously visited had the same rep ( XXXX ) call, we were informed the check would depart that day for delivery to my home. I called the bank again on the XXXX of XXXX for confirmation of the check having been sent. Only to be told that the account was still open and that it could take an indeterminate amount of time to close. I asked for a supervisor. The supervisor informed me that she was escalating the matter and to call back in XXXX. Which starts on Monday the XXXX of XX/XX/2024. I've asked for the return of funds to be given in branch, im told it has to be mailed. Which makes no sense to me. XXXX important. I'm tired of having to chase my funds. The internet is littered with horror stories of how banks are closing accounts for reasons unknown and clients are not getting their hard earned monies returned them. However the ones who turn to the CFPB seem to get their monies returned. Hence the reason for my complaint.
Product: Credit reporting

Earlier this summer I checked my credit report and all of my inquiries were deleted. When I checked it on XXXX XXXX the inquiries were back on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by both a telephone operator and her supervisor the following : XXXX XXXX  reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if Trans Unions report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error
Product: Credit card or prepaid card

I dont have the energy to elaborate on this but they know what they did. 

My first stimulus payment was loaded onto Amex serve by direct deposit and almost immediately, along with the rest of my money on there, used fraudulently. 

The terms of use for serve guarantee no liability for unauthorized transactions, and the law requires them to provide consumers documentation on their disputes process on request. 

Neither their own contract nor the law were respected by this awful company. It has been unloaded to incomm since this happened but it was still under American Expresss ownership de jure when this occurred.
Product: Credit card

I reported fraud to Wells Fargo to get my money refunded & they declined my claim twice even with a copy of the email. They would not let me re-file the claims.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my employers insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed medicredit and XXXX XXXX XXXX that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXXXXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXXXXXX XXXX past due negative mark needs to be removed from my credit score ASAP.
Product: Credit card or prepaid card

Chase bank is trying to increase my credit card account apr, that has stood for more than a decade at a fixed rate 9.99 % apr, to more than 15 % as a variable rate. 
I recieved a mail notification XX/XX/2018, and called in the same night. I went through 2 reps, the 2nd being XXXX, who maintained that even though the first rep said that I would be charged the new interest rate on existing balances, he was wrong and I would not be charged the new interest rate on existing balances. They also had no specific reason available in regards to my accout to justify the rate increase, merely profiteering.
Product: Credit reporting or other personal consumer reports

I have multiple addresses listed on my credit report I need remove due to I do not reside at those addresses.
Product: Credit reporting or other personal consumer reports

This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -TransUnion  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX