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

Dispute of Inaccurate Personal Information and Request for Immediate Investigation To Whom It May Concern, I am writing to formally dispute the reporting of inaccurate and incomplete personal information on my credit file as maintained by Experian. Specifically, the following personal identifier information is incorrect or unverifiable, and I demand immediate action to correct or remove it in full compliance with FCRA regulations and Metro 2 reporting standards : 1. Personal Identifiers : I do not have any other names, aliases, or previous addresses that should be reported. 
I do not have any other Social Security Numbers ( SSNs ) or dates of birth, and I object to any retention or reporting of these. 
I do not authorize the reporting of any other telephone numbers, employers, or co-applicants. 
If any of these personal identifiers are being reported, I request their immediate deletion and proof of your authority to retain them. 
2. Specific Disputed Accounts : XXXX XXXX  ( XXXX ) ** : The information reported for this account contains multiple inaccuracies, including but not limited to : Creditor Remarks : Experian reports Account has been closed due to inactivity, while XXXX and XXXX report conflicting information about account cancellation. These remarks are inconsistent and do not adhere to the required standards for accurate reporting. 
Account Cycle Identifier : This is missing or incorrectly reported across bureaus, violating Metro 2 compliance. 
Account High Balance/Original Balance : Discrepancies in balance reporting across Experian, XXXX, and XXXX. 
Account Type and Creditor Type : Variations in the reporting of account and creditor types ( e.g., Miscellaneous Banks for XXXX and XXXXXXXX XXXX XXXX XXXX for XXXX ) are inconsistent and non-compliant. 
The account status reported for these items is also inconsistent and unproven. I dispute that these accounts are accurately linked to my financial history. 

Request for Action : Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal and state laws, I request the following : 1. Immediate removal of any unverified or inaccurate personal identifiers, as detailed above. 
2. Full investigation into the listed discrepancies in the credit report and immediate correction or removal of the above-mentioned account information, including XXXX XXXX and any other affected accounts. 
3. Proof of compliance with the Metro 2 format standards and FCRA requirements in your handling of this dispute.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XX/XX/year> XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Current XXXX XXXXXXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX, XXXX and Equifax, XXXX, and XXXX  have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Product: Money transfer, virtual currency, or money service

My father bank wired {$5000.00} to my Coinbase account on XX/XX/XXXX. Due to a name mismatch, Coinbase sent me an email on XX/XX/XXXX stating that the bank wire would be reversed and that the funds should be received within 7 business days. As of today, 23 days later, the funds still have not been received. 

I 've tried to contact Coinbase directly about the issue. In response, they sent me an automated message stating that all wire transfers were being delayed. They did n't reply to any of my further attempts to contact them about the issue. 

I 've also tried contacting their associated bank : XXXX XXXX XXXX in New York. They were unable to help me other than to tell me that I had to contact CoinBase directly because they had not yet issued the reversal.
Product: Student loan

Mohela sent me a bill for XXXX that was missing XXXX 's payment and said the amount due in XXXX was {$280.00}. I made my payment, in full and on time, in XXXX my payment history on Mohela 's webiste shows this is as well. Mohela is trying to scam more money out of me!!! What's worse, Mohela owes me a refund for XXXX erroneous payments made in 2023!!! This company is incapable of properly managing any student loans and should be fined approprietly.
Product: Debt collection

XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX Bank. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/2022. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that XXXX, XXXX XXXX Equifax provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX XXXX : {$220.00}, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX : {$1000.00}. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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: Student loan

I have tried to Discuss with NAVIENT my financial situation to resolve my high payments ... they tell me they will only accept a specific payment ... I make between 1100-1300 month ... by the time I pay my living expenses and NAVIENT ... I am left with nothing. I only get paid 1 time a month so stretching my pay from payday to payday is hard. I offered them a {$200.00} dollar per month payment and they said it was not enough. They want to take out {$400.00} per month and by the time I pay my rent more than half my check is gone. My XXXX year old father is on my loans as a co-signer and lives on a fixed income, has major health problems and lives in a home with many problems ... if I can't pay he gets harassed by NAVIENT. I am NOT unwilling to pay but I can only make small payments at this time. Is there anything that can be done? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXXXXXX XXXX  sent a check in the amount of {$6100.00} to PNC Mortgage to pay off and close a home equity line of credit. Instead of closing the account as paid, PNC has reported to the credit bureau that the account was a charge off with an outstanding balance of {$6200.00}. This error was not realized until I was applying to lease a new car on XX/XX/XXXX. I contacted PNC about the error and was told the account was paid in XX/XX/XXXX, six months after the check was mailed and cashed. PNC also informed me that I would need to submit a written request to have the account updated with the credit bureau even though they had not made any updates to my status since XXXX. I also contacted XXXX and filed a dispute, which I understand may take 30 days to resolve.
Product: Credit card or prepaid card

Hi I went to a local bar on the evening of XX/XX/XXXX and made two separate transactions for drinks in which i even recall signing for in the estimated amounts of $ XXXX {$40.00} & $ XXXX {$50.00} for each transaction. The next morning I realized my card was missing from my posession and than noticed on my citi app there were multiple transactions of {$200.00}, {$380.00}, {$35.00}, and there was also a {$40.00} something charge that is no longer on the account for whatever reason. I only authorized and signed for 2 transactions which im only aware of around {$30.00} & {$40.00} amounts. I immediately called citicards to dispute this, the investigation went on until i recieved notice today XX/XX/2019 that my dispute was rejected and I owe all the amounts. Very poor security with there cards and service. They should be embarrassed of themselves that ive been a client for around 15  years with several different accounts, loans, financials, etc & through the years a few minor disputes that always resolved because im truthful. Well in this case they do not want to help secure my dispute and feel completely betrayed by the banking repationship ive had with citibank for so many years. This is disgusting on every level, they should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Checking or savings account

On, XX/XX/2022, I received a debit card from Bank of America with a different last name that is attached with my social, DOB, and physical address. I called XXXX  fraud dept to let them know this isnt me. I do not bank with them. XXXX  refused to give me any information. The representative closed the acct, gave me a confirmation # and advise I contact the credit bureau and the SSA. I asked if I could contact the FTC. XXXX didnt understand what I was asking. A picture ID is required to open an acct, and this information isnt available. 
Is this XXXX XXXX again but under a different entity?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.
Product: Credit reporting or other personal consumer reports

THIS STORY WOULD BE FUNNY IF IT WAS FICTION! 
For the past XXXX years I have maintained an immaculate credit history. Armed with that knowledge, in XXXX Chase Card Services issued me a credit card which I used to support a very small business I owned. Monthly statements were always paid promptly. A decade later I had very little use for the card, and no monthly statements were received when there was no card activity simple enough. Yes, I probably should have closed the account. 

In XX/XX/XXXX we moved from California to Texas. Prior to the move I sent out Change of Address notices to all creditors, insurers, banks, etc. Chase Card Services was so notified. My use of the credit card at the time was nil. I continued to receive a great FICO score ( Attachment XXXX ). Long after my move, unbeknownst to me, XXXX XXXX automatically billed an annual service charge of {$110.00} to the card. I was unaware of this transaction and Chase Card Services never sent a credit card statement to my new address ( and none were forwarded from my previous address ). 

In XXXX Chase Card Services debt collectors located me and demanded payment for the delinquent XXXX charge plus interest and fees. Its interesting to note that Chase had my phone number all this time and could have simply called me, just like all banks do when prowling for new credit card prospects. After explaining the situation, Chase agreed to drop interest and fees. I paid the balance that same day ( {$110.00}, XX/XX/XXXX ) and considered the matter closed. Periodically I continued to track my XXXX score from various sources and it was always in the XXXX range. 

In XX/XX/XXXX after a national consumer data breech, I received a free credit report from XXXX with a markedly lower XXXX  score of XXXX! ( Attachment XXXX ). The only adverse entry was negative account activity from Chase Card Services, and it incorrectly recorded the sequence of events described above. Contrary to their misrepresented entry in my credit report, I never received a credit card statement for the charge, I was never aware of any balance ( because I had not personally used the card for years ), and when notified I paid the balance immediately. Despite numerous discussions with Chase representatives, who acknowledged my excellent credit history, they claimed federal laws prevented them from correcting their error. 

I immediately reached-out to XXXX for assistance. They understood my situation and filed a dispute with Chase Card Services. It was denied without explanation. 

This complaint is filed in an attempt to rectify the unjust and inaccurate negative account activity report by Chase Card Services with hopes of restoring my traditional, well-earned credit history.
Product: Checking or savings account

I ordered t-shirts on XX/XX/2020 from XXXX. XXXX. However, I never received a shipping email at all. I emailed them and instant messaged them through XXXX numerous times about the status of my order but to this day undetected have never answered my previous emails and messages. I contacted Chase bank about the issue of never receiving my orders and they issued me a temporary credit. However, on XX/XX/XXXX Chase sent me a letter stating the charge was properly authorized and they are reversing the credit. However, the issue was never about authorization of the charge, but about me never receiving my items from XXXX and them ignoring my emails. So I am losing XXXX $ for nothing. I have t-shirts and im going to be charged XXXX $ during a second wave of the covid 19 wave. I have low funds due to being laid off because of covid 19. Chase have no idea what they are doing. I told them specifically I never recieved my item and the store isn't answering my emails so I am at a loss of what to do. Chase took my words and bent them. They just said the charges are properly authorized. while that is not the issue of what I told them. I'm losing money for literally nothing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received one letter from Rausch-Sturb claiming that I owed money to them. They sent paperwork to have me served to an address that I havent lived at in over 5 years. I finally received a letter at my home address with no information on the original creditor, only the amount due. I sent a verification letter in accordance with the Fair Credit Reporting Act in XX/XX/2023 and did not receive a response until XX/XX/2023 when they had me served at my home. I still have no idea what the debt is, who the original creditor was, nor if there was any agreement for me to pay said debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Money transfer, virtual currency, or money service

I was contacted by Chase about fraud on my account using XXXX payment. They confirmed my account by calling me back and the phone number listed was the same Chase number that is on the back of my debit account XXXX. Explained to me in detail what I needed to do to protect my account. At the time they instructed me to send {$1800.00} to myself but the number was XXXX. The money was then sent and wasn't able to stop the transaction. The whole ordeal lasted about 15 min. At the time I was out of town on vacation so it was difficult for me to understand that Chase fraud itself was the scam. I've spoke to Chase and have open 2 claims and both were denied. Now that this has happen I even saw a local news report that states the exact scenario that happen to myself. 

https : XXXX
Product: Payday loan, title loan, or personal loan

Ive paid more than Ive borrowed and wanted to close this account as paid in full. Im experiencing financial issues