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

I am writing to formally request the method of verification for the disputed information reported on my credit file, as required under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Please provide the specific procedures used to verify the accuracy of the disputed account ( s ), XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX including the name and contact information of the party ( ies ) who verified this information.

Additionally, I request that you confirm whether the disputed item ( s ) comply with the Metro 2 Credit Reporting Resource Guide standards for accurate and complete credit reporting. If you are unable to provide the requested information and verification within 15 days from the date of this request, I demand the immediate deletion of the disputed item ( s ) from my credit report, as failure to comply would constitute a violation of the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

Ally Financial called my both of my XXXX  XXXX  phones trying contact me to collect on my past due payments. I have a valid phone number on file and never received a phone call. There was a long pause after my XXXX  answered the phone.
Product: Credit reporting or other personal consumer reports

There has been some irregularities on my credit report due to some closed account that I noticed recently that does not belong to me nor do I have anything to do with those closed account, this is a result of inaccuracy reporting and it violated my consumer right.I want all parties involved to look into this urgently and removed this closed account that i have nothing to do with and in Accordance with the FCRA section 611 this companies violated my consumer right. 


XXXX ( opened ) XX/XX/XXXX XXXX ( opened ) XX/XX/XXXX XXXX ( Opened ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( opened ) XX/XX/XXXX XXXX ( opened ) XX/XX/XXXX All these above account are not associated with me and they are showing on my closed account record kindly remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Navy Federal Credit Union of my husbands unauthorized use of my credit for line of credit approval. 

My name is not on the checking account. 
I dont have and never had access to line of credit, but listed as a co borrower. 
I requested yo have my name removed due to unauthorized use of my XXXX, which Navy Federal Credit union refusal to remove off my credit
Product: Credit reporting or other personal consumer reports

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached here my FTC reports, IDs, and proof of address.
Product: Money transfer, virtual currency, or money service

Coinbase completely mishandled XXXX on my business account. This is the XXXX year in a row where their team has struggled with documentation and timelines. This time ( and only after escalating, keep in mind ), did Coinbase also decide to close my business account despite meeting all stated terms. Furthermore, they stated that this was due to a transition that they also refuse to further clarify on. I need Coinbase to clarify how my account did not all of a sudden meet agreed to and stated terms this year after being an institutional member for almost XXXX  years.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The Equifax report lists the account as having " XXXX XXXX ( terms ), '' which is inconsistent with XXXX and XXXX, which correctly report " XXXX XXXX ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or Equifax reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in Equifax, whereas XXXX and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by Equifax, while XXXX and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and Equifax.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent an international wire to a XXXX Real Estate agency ( XXXX XXXX XXXX ) for a rental in XXXX. I had seen the place, met the parties, received the wire instructions over encrypted email, confirmed the wire instructions over the phone and sent two initial wires ( XXXX XXXX and XXXX XXXX ) through Chase.com. Both of these wires were rejected, but I called their service desks after both times, they said they took notes ( notes on the information above ) and that I should resubmit and it should go through. 

Since online did not work, I went to a physical Chase branch on XX/XX/XXXX and submitted the wire through one of their bankers. They entered the wire information, I confirmed and at XXXX XXXX the wire was accepted ( acceptance was confirmed via email ). The timeline given for the international wire was 3 to 5 business days. 

On XX/XX/XXXX, when I am ready to pick up keys for the place the Real Estate agency informed me that the wire still had not came through. I called Chase, and they did say because Monday was a holiday ( in both XXXX and XXXX ) that the XXXX was the 5th business day and wait until tomorrow. 

Nothing came through the XXXX. Since then I have called ( or secured message them ) every business day XXXX, XXXX, XXXX, and today. The XXXX and XXXX they said it was sent ( but the receiving bank never received it ). The XXXX they mentioned it was rejected ( however, the funds have never bounced bank ), but then I was elevated to the wire department and they said it was accepted. They then forwarded me on to the wire research team and said they would get back to me within the day ( the XXXX ), but at the end of the day today ( and after following up with them ) they still have not responded. 

The receiving Real Estate agency has been in contact with me every day checking and nothing has came through. I have confirmed all of the information multiple times ( from what is showing up in my online statements, and the paperwork given to me at the bank when the wire was placed ) and all the numbers and names are good. I have sent the Real Estate agency pictures of these documents and they have confirmed everything looks good.
Product: Mortgage

This mortgage company wants to charge is XXXX more a month for escrow shortages and when we ask what is from we always get a new answer. First they said they made three homeowners insurance payments in a span of three months and wants to say its our fault. Now they are saying that they refunded the seller the escrow and that we agreed to it in the purchase agreement which I didnt. We are asking for proof and still no answer. Who agrees to refund the seller escrow for a year of taxes on a home you just closed on in XX/XX/XXXX. Closing is another thing we closed in XX/XX/XXXX and made us paid more the mortgage payment on XXXX but they told us we couldnt move until the loan assumption was finalized. So we closed in XXXX and they didnt let us move in until after XX/XX/XXXX. 

Here is an email I sent them last week and still have received a response from them : I wanted to make you all aware of a major problem I am having with my escrow and ask for your assistance. Flagstar bank is telling me that I have a {$10000.00} shortage on my escrow account because of multiple erroneous insurance payments. 
According to the customer service rep we spoke to this morning, one payment was made from the escrow account in XXXX prior to my closing in the amount of {$2600.00}. 

Another was made on XX/XX/XXXX for {$3000.00} to XXXX also prior to closing. 
Another two were charged to the seller at closing in the amounts of {$3300.00} and {$3000.00}. These two amounts originated because we got two quotes. Even though we told multiple people at Flagstar in phone conversations and in email, that we were only going to go with the XXXX ( underwritten by XXXX ) quote and the other ( XXXX underwritten by XXXX ) should be disregarded. These should have never been charged to the seller, but since they were. We were instructed to wire an extra {$6400.00} after closing to cover their erroneous charges, and then request a refund from the insurance company we were not going to use. So that is what we did and we did receive the refund from XXXX for {$3300.00}. 

The {$3000.00} and the {$3300.00} are both noted in the closing disclosure erroneously. The {$3000.00} was refunded to Flagstar on XXXX. 

Was the {$3300.00} refunded to the seller from the escrow at closing but possibly not recorded? 

We do not have any accountability of the {$2600.00}. Logically we can assume that it was a normal scheduled insurance payment from the sellers escrow before they sold the house. They should have been refunded the prorated amount for XX/XX/XXXX- XX/XX/XXXX. If the refund went directly to the seller then the escrow account should never have credited that amount to the seller, essentially paying them twice. 

This was there first explanation of the missing funds and now they are saying something different.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I have several accounts listed on my credit reports from TransUnion, XXXX, and XXXX that do not belong to me and should be removed immediately. These accounts are inaccurately reported and are impacting my credit score. I have disputed these items with all three credit bureaus, but the inaccuracies remain unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and should be removed immediately XXXX 




Actions Taken : I filed multiple disputes in 2024 with TransUnion, XXXX, and XXXX for the above accounts, providing documentation that these accounts are not mine. 
Despite these disputes, the accounts remain on my credit reports, and I have not received a satisfactory resolution from the credit bureaus. 
I have requested that the credit bureaus remove these accounts from my credit reports, as they are incorrect and do not belong to me.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXBalance : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not conducted their own verification of this information as required when requested by me. I am requesting that they certify to me that this information has be verified by them and not these 4 companies.
Product: Debt collection

RE-INVESTATION COMPLAINT : I don't agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title, VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX, XXXX and XXXX XXXX has bad reputation of debt collection practices and after many times of request they never provided me any investigation neither did XXXXXXXX XXXX. Please forward me an updated credit report after you have completed your investigation and corrections. Your Cooperation and prompt attention is greatly appreciated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX AUTO FIN - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On the months of XX/XX/year> and XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

THIS COMPANY IS REPORTING INACCURATELY IN MY REPORT AND ITS DAMAGING MY CREDIT FILE FOR 2 YRS NOW, I HAVE TRIED COMMUNICATING WITH THEM AND SEND THEM LETTERS TO ASK FOR PROPER VALIDATION TO THE DEBT THEY CLAIM I OWE FOR {$430.00}. THEY ARE ALSO REPORTING A 120 DAY LATE IN MY CREDIT REPORT AND A LAST PAYMENT ACTIVITY BUT I NEVER PAID THIS ACCOUNT. IM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME. THANK YOU.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didn't authorize to any of this information to be reported on my credit record, it's affecting my life!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX deposit made to XXXX account for XXXX XXXX XXXX XXXX worth XXXX $ attempted to transfer said amount to my wallet for trading, however they all failed. Need to wait XXXX days for payment to post. 

XX/XX/XXXX Email received from XXXX stating they noticed unusual account activity and restricted my account. They requested verification of IDs ( previously verified on XX/XX/XXXX ), selfies and bank statement. Called to ask why they need the bank statement, they then asked a bunch of questions over the phone if someone gave me money to deposit, if Ive been forced to do the deposit, if I know what Im doing etc. 

XX/XX/XXXX received another email about the restriction, responded to email explaining that ALL the requested documents were submitted, they requested the bank statement again. this was sent. 

XX/XX/XXXX I called XXXX to confirm receipt, once again they said i needed to submit bank statement, when i explained that this was already sent the rep then stated that I need to sent a screen shot showing the funds being withdrawn from my account. I sent it and she confirmed receipt. 

XX/XX/XXXX email sent to XXXX for followup no reponse, banner message on app stated that the account was being reveiwed and would be resolved by XX/XX/XXXX. 

XX/XX/XXXX email sent as no response or follow up, now banner message is stating AGAIN that all the documents are needed again. 

I just want them to give me back my {$XXXX} so I can close this account and be done with them but I can't call as that option has been disabled and they are not responding to my emails.
Product: Checking or savings account

I have a new account set up with Bank Of America. I wanted to enable " 2FA '' with a text to my cell phone number. I spent several hours on the phone with tech support and they were unable to fix the problem. ( I recorded all the calls. ) They sent me on a wild-goose chase with installing and re-installing their app, checking my " spam '' folder, changing how the phone numbers were entered in the website. None of this advice helped. 

Finally, when I asked to speak to a " supervisor '' she told be that " sometimes it takes an 'undisclosed ' amount of time for a phone number to be validated '' and I should turn off 2FA. 

As this makes my account less, secure, I don't want to do that.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and 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  Balance : {$37000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible to get a live person on the telephone at Experian and they have the phone tree set up so that you press 1 to ask about a fraud alert and then you hear a message that a fraud alert has been set on your account. I did not request a fraud alert and the phone tree did not ask to place a fraud alert, just to ask questions about a fraud alert. 1 ) I want the fraud alert removed 2 ) I want experian to be ordered to hire live persons to answer calls from consumers who do NOT have a credit report number. 3 ) Experian should be ordered change their phone tree so that a fraud alert is not placed unless a live person paid by experian answers the call and verifies that a fraud alert is what the consumer actually wants. I called Experian at XXXX ( XXXX ) XXXX and XXXX You'll need a copy of your most recent Experian credit report and the 10-number digit on it to get through. The phone message said if you have questions about fraud prevention then press 1, which I did, then the message said that a fraud alert was placed on my account. ( XXXX ) XXXX or ( XXXX ) XXXX puts you in a circular phone tree where if you have a question about a fraud report press one then do you want to put a new fraud alert press one if not press 2 then if you press 2 you go back to if you have a question about a fraud report press one to an infinite loop
Product: Checking or savings account

i currently bank with U.S bank i have been contacting them for the past three days letting them know hey i know my account is negative but yall keep racking on these overdraft fees of XXXX total of XXXX in overdraft fees from 2 days. i know a lot right well yeah so i asked if they could waive them and they said yes no problem as soon as you get youre account current give us a call we will waive them i was told that by two people before tonight XX/XX/year>. i called tonight because i was able to get my account current the lady i spoke with was very nice and placed me on hold for awhile but eventually came back and let me know hey we were able to waive them should take about XXXX min i let her know okay perfect i waited and nothing.. so i called and someone answered i explained she said hey were only able to waive one as a courtesy i let her know thats not right at all i was promised by multiple people these fees would be waived and now its not happening so i asked for a manager a very rude manager came on the line and let me know hes not going to be waiving any more and had a snotty attitude the entire time and didnt care about my situation just kept letting me know the issue has been resolved and they will not be waiving any more fees going forward i let him know i will be filing this complaint and a complaint against the XXXX  and he said i can do as i wish and hung up on me he also denied pulling the calls where i was told they would be waived and he also denied me speaking to anyone higher than him and hung up on me.