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

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX XXXXXXXX account across TransUnion XXXX XXXX, and XXXX XXXX here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not TransUnion. 
High Credit : XXXX : {$5300.00}. Different from both TransUnion {$6700.00} and XXXX {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches XXXX, but not TransUnion {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from TransUnion and XXXX, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to TransUnion Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both TransUnion and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors.

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX Thanks For your Cooperation.
Product: Money transfer, virtual currency, or money service

Appx XX/XX/22 I called moneylion and asked for a stop to be put on my account and to close it out. They did but something went wrong in their system and it did not process. I called back a few weeks later asking again that they cancel my account completely and stop any and all payments. They agreed to do so. 



XX/XX/22 money lion charged my account 4 different time in the amounts of {$5.00} {$5.00} {$5.00} and {$6.00}. I called demanded a refund due to these being unauthorized charges. They finally agree again to cancel my account ( after its already supposed to have been done 2 previous times. ) XX/XX/22 my account is changed {$5.00} ( After agreeing that they will no longer be taking any money out of my account. ) I received and email stating this is to confirm that the no Round Up transfer should ever be processed on your account. 
We do apologize on this inconvenience. 
Thank you for being the best part of MoneyLion. 


XX/XX/22 {$5.00} was withdrawn from my account.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX credit card at the store in order to make a tire purchase on XX/XX/XXXX. The agreement was a promotional 6 months 0 % interest thru Comenity Capital Bank. In XX/XX/XXXX Comenity immediately started charging me interest @ 25 % +. I contacted Comenity bank in writing in XX/XX/XXXX and received a confirmation of the dispute in writing dated XX/XX/XXXX. Comenity claims they can take up to 90 days to resolve a dispute. I went ahead and paid of the total charge ( the only charge ) made to this card totaling {$1100.00}, on XXXX XX/XX/XXXX. Since then Comenity continues to charge me interest, late fees, and send me statements. I called in XX/XX/XXXX for a resolution, no resolution. I called in XX/XX/XXXX, no resolution. I called on XX/XX/XXXX and no resolution was reached, instead the service person opened a new dispute dated XXXX XX/XX/XXXX. Now Comenity is claiming they are missing the original dispute from XXXX XXXX in XXXX I was able to " close this account '', however Comenity refuses to stop the late fees and interest accumulation. Now I, my family, and my acquaintances are getting collections calls from their collection division, and it is having a negative impact on my credit reports. There is no way to call their dispute division directly, multiple customer service persons have " sent them an e-mail '' and I have heard nothing. This is abusive! We are now 7 months hence from the original dispute, I have no one I can call, and no one will call me back. I am just watching me credit score drip downwards unless I pay them, currently, {$220.00} ( XXXX % of the original purchase price ). This is criminal abuse of customers! I have lost countless hours of time trying to resolve this credit card agreement, and there is no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that " hard inquiries '' on my 3 credit reports from XXXX, XXXX  and Experian would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!
Product: Checking or savings account

On XX/XX/2022 I closed my checking account with Chase bank on the phone via their customer support and was informed that a check would be issued for my remaining account balance of {$720.00}. 

On XX/XX/2022 I received a statement from Chase bank for the closed account ; the statement showed that the account had been closed on XX/XX/XXXX and that a check had been issued for the remaining balance of {$720.00}. 

Starting XX/XX/2022 - I have spent over 6 hours on the phone with Chase customer support as well as 1.5 hours at a physical Chase branch location trying to have a new check issued. 

Their customer support representative told me that while their records indicate a check had been issued, no check number or dollar amount is available. Each time I call the customer support line, I am transferred between the same 3 - 4 departments until I am either hung up on or transferred back to the main customer support switchboard. 

I have not been informed of any path to resolution apart from being informed that they are " investigating the issue. ''
Product: Checking or savings account

While in XXXX visiting my XXXX  I was charged XXXXXXXX XXXX while I was in XXXX and it was holiday weekend so I had to wait til XXXX to speak with someone. Filed a fraud claim and was given a new card and temp credit fast forward XXXX weeks later my account is now negative XXXX XXXX because the bank said I need to provide evidence to support my claim. I have banked with chime for XXXX  years no issues and they hang up on me everytime I ask for a XXXX
Product: Credit reporting or other personal consumer reports

Please remove the collection account XXXX from my credit report. The collection agency XXXX XXXX provided a letter stating that they have ceased the collection of this account and zeroed the balance. Experian, XXXX, nor XXXX has been able to validate this account to date. The collection agency sent correspondence for the removal of this account in XXXX, and it is still reporting on my credit. Please see the enclosed letter and remove the aforementioned account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX and XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.
Product: Checking or savings account

I was XXXX  in XXXXXXXX XXXX XXXX and found that my account was used without my permission in XXXX of XXXX I called the bank and submitted a fraud complaint and the bank denied my claim when I was released a attempted to file another complaint and submitted a letter of XXXX  for the time I was XXXX  but my claim was still denied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opened XXXX XXXX  This company has been reporting inaccurate information on my credit report duch as the following : 1. It charged of the debt, but says there os still a balance. Which they can NOT take the loss on their taxes & collect the alleged balance. 

2. They dont have any payment displayed or registered from open date of XXXX through XX/XX/ 3. How can an account be charged off in a month if my open date is XX/XX/ and last payment is XX/XX/ as reported?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have been being garnished for a medical debt for the majority of this year. I have not had any issues with paying via garnishment as I could not afford the payment terms offered to me by the collection agency. 

Between each round of garnishment I received in the mail, notification that the debt was not fufilled and to contact them regrarding extending the garnishment. 

this last round ended XX/XX/XXXX., today XX/XX/2016 I received via the USPS a letter from circuit court stating there was another garnishment from this company for next 13 pay periods ( I owed XXXX ) total cost of this will be XXXX I told them I could pay today what is owed, however they made me pay the cost of the garnishement filing XXXX - This company purposely changed the way it communicated with me from past occurances to cost me an addtional amount of money. I do not believe this to be a fair or just practice
Product: Debt collection

Account with an appliance company and if only a day late they will first repeatedly call personal cell phone every hour then start calling work number. This is the third time from XXXX XXXX that I have received a call with the latest call received today at my place of employment XXXX XXXX, XXXX at XXXX XXXX while I 'm servicing customers. I have repeatedly asked the caller XXXX to stop calling my work. I pay the account online and have never missed a month of payment. This company took over for the original holder of the agreement which went out of business ( H.H. Gregg ) and if I was going to be late I just notified them. I 've attempted to do the same thing with this company ( XXXX XXXX ) but she continues to call even after arrangement has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Contacting the Equifax XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}
Product: Vehicle loan or lease

Westlake Financial reported a payment as 30 days late on my XXXX and XXXX reports for the month of XX/XX/year> and yet on my XXXX as on time for the same month or billing cycle therefore making the report INACCURATE contrary to Westlake Financial 's claim to accuracy which is a violation of the FCRA consumer law 15 USC 1681e ( b ) surrounding the maximum possible accuracy and fairness required by credit reporting agencies. Westlake Financial has also failed to show proof that the information required by law 15 USC 1637 ( b ) was mailed or delivered to me as the consumer not later than 21 days before the payment due date in accordance with 15 USC 1666b which clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose '' PLEASE SEE ATTACHED!
Product: Debt collection

Contacting me about a debt from 2001. Calling me repeatedly. Calls come in and ask me my social security number ( last 3 ) my address, My phone number. I have asked them to stop contacting me  repeatedly.
Product: Debt collection

XXXX XXXX ( a collection company who buys accounts to harass consumers with no founding proof ) has created a collection process that is erroneous and unfounded. This company has ruined my credit by posting incorrect debt and amounts of debt on my XXXX and XXXX credit report. The information is incorrect on both reports. XXXX has a 10-year debt on my credit report and in an illegal attempt to prolong their attempts to illegally collect a debt, they updated the account in XX/XX/XXXX. This account has been disputed since then for {$27.00}, XXXX, an exaggerated amount because this company continues to add illegal fees. According to the Bureau of Consumer Protection, XXXX must prove they have the right to : 1 ) Add their personal fees to a debt they buy 2 ) Prolong a debt, this debt should have been deleted from my credit file in XXXX 3 ) Collect from a consumer in another state ( Florida ) during a pandemic 4 ) Threaten a consumer who has no form of income during a pandemic 5 ) Attempt to collect monies without legal consent. 
Provide proof that it is lawful and accurate for XXXX to add erroneous fees to the original amount of debt. Provide proof that XXXX can attempt to collect a debt from a consumer in the state of Florida and add their fees. Provide proof as to why they are owed a debt. Provide proof that the consumer communicated with the company and was aware that there would be a collection account added to the consumers credit report. Provide proof that it is lawful to add a debt as if it is revolving credit. 

This company is not to contact me about any debt nor harass me since I did not receive lawful correspondence from this company. If this company continues to do unlawful practices I will sue them in small claims court. This collection has drastically damaged my credit report and I certainly will not deal with bullying or discrimination. Each credit report is reporting incorrect information from XXXX. I will contact XXXX XXXX XXXX and the XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit monthly to monitor my credit report ; another illegal act. This is harassment and unethical.
Product: Money transfer, virtual currency, or money service

XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX I believe are engaged in fraud in trying to avoid paying Independent Carriers by saying their MC numbers were hacked ; yet they have NOT filed a complaint with FMCSA, the issuer of the MC numbers, as they are required to do ; nor have they filed a criminal complaint with the FBI, DOT, Department of Transportation, or local law enforcement, as any responsible or legitimate business licensee engaged in Interstate Transportation services would do. 

Complaint against : XXXX XXXX XXXX .dba .... 
XXXX XXXX XXXX XXXX XXXX, employee of XXXX XXXX XXXX  has NOT provided any proof that the MC numbers of XXXX XXXX... MC number XXXX or XXXX XXXX... MC number XXXX had their MC numbers hacked because they haven't filed a complaint with FMCSA, Federal Motor Carrier Safety Administration the issuer of their respective MC, Motor Carrier, numbers as is required by FMCSA guidelines and therefore should have their MC numbers suspended for failure to report any possible hacks to the FMCSA of the Department of Transportation ..... 
Since XXXX XXXX XXXX has No legal proof in the form of a police report with local law enforcement or the FBI or with FMCSA the issuer of their MC numbers they can not alleged that a crime was committed, And XXXX XXXX XXXX  must honor the contract they have with XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX and return My {$870.00} plus 3 % daily for wrongfully keeping My Money and a Letter of Release.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints several times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. Transunion has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please see the accounts are corrected at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX  XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023 at approximately XXXX XXXX I was speaking with my wife XXXX on the phone when we both received a text message from XXXX stating " XXXX : Wells Fargo Bank A Decline for {$320.00} At XXXX, TX, If Valid Reply YES, If Not No To Opt Out, STOP. '' I then received XXXX back to back phone calls from XXXX. Thinking this could be a legit fraud alert I got off the phone with XXXX to answer. I was told there was a attempt to use our Wells Fargo business card both at the XXXX listed above as well as at a gas station in XXXX. I told them that we did not initiate these transactions. 
They proceeded to tell me they would go forth cancelling the card and send for a new one, the whole time reassuring that we were on a recorded line. They proceeded to state the card number including address and security code. They had all the information to the credit card as well as our home address. I did not give them any information. They proceeded to confirm type of shipment method and reassured that they didn't need any personal information and that Wells Fargo would not ask for this. They needed to confirm the cancellation of the card by sending me a confirmation text with a code that I was to give them. I questioned this but was told this was normal and part of the process so I obliged. A few days later I checked the Wells Fargo account and saw that XXXX separate {$1000.00} money transfer transactions had been processed " Current Account Funding XXXX XXXX  NY ''. I have since reported this to Wells Fargo in addition to filing this police report. This was all part of Wells Fargo business checking account. Business account holder name XXXX XXXX XXXX. 
XXXX to XX/XX/2023. Another call was made to Wells Fargo after we were told in XX/XX/2023 that the claim was re-opened. After multiple calls and long wait times we were told that the claim had never been re-opened. The bank also sent us a code and asked us to read it back to verify we were the correct person. This is the exact method the fraud criminals used.