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

Dispute of Incorrect Personal Information and Request for Investigation Dear CFPB I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have identified several discrepancies that indicate misuse of my personal information, resulting in financial harm and denied access to credit. 

Inaccuracies Identified : Incorrect Employment Information : All of the employment listed on my report in incorrect. 

Incorrect Addresses : there are multiple incorrect addresses, there should only be 1 correct address listed. 

Multiple Names Listed : I should only have 1 name being reported on and there are 3. 

Unrecognized Hard and Soft Inquiries : i do not recognize ANY of the hard and soft inquiries listed. 

Closed Accounts and Collection Accounts Not Recognized : all collections accounts have creditors that i have never heard of or contracted with. These inaccuracies have negatively impacted my creditworthiness, as evidenced by recent denials for credit applications. Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to dispute any information that I believe is inaccurate. 

Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they provide is accurate and complete. Additionally, UCC 9 mandates that financial institutions maintain accurate records concerning consumers ' credit. 

Request for Investigation : I request a thorough investigation of these discrepancies, which substantiate my claims. 

Please provide me with written confirmation of the investigation and any findings related to this dispute. I seek a full remedy for the damages incurred due to these inaccuracies, including any applicable fees. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

The above referenced account is currently reporting to my Equifax credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt. 

XXXX Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my Equifax credit report. XXXX has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. XXXX is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. XXXX and Equifax refuses to delete this inaccurate and inconsistent information from my Equifax credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached Equifax reports showing the conflicting reporting by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I do not owe the debt. It has been settled in small claims court, in my favor, against the original creditor. I owe nothing. The credit reporting agency is reporting inaccurate information. Second, I have tried to work with Experian since  XXXX / XXXX /   17 to  get the item removed from my credit report. Since  XXXX ,  2017, Expe rian keeps updating and verifying the debt despite having a signed judgment from the court of law that I do not owe the debt. On  XXXX / XXXX /   17, I  initiated another dispute, and I sent documentation of the judgment. It was uploaded via Experian 's system.  <P/> Restart #  1  I contacted Experian on  XXXX / XXXX /   17  to make sure that they received the documentation. The representative canceled my original dispute and initiated a new dispute and restarted the 30 days in order to attach the documentation. I did not agree to a restart. Representative said that Experian has the documentation.  <P/> Restart #  2  I contacted Experian again a few days later. Again, the representative said that they did not have the documentation attached. The representative cancelled the  2nd  dispute and entered a new dispute, restarting the 30 day clock. The rep said that the second representative failed to attach the paperwork.  <P/> Restart #  3 I c ontacted them again on  XXXX / XXXX /   17 - thir d representative failed to attached the paperwork and Experian again restarted the dispute to attach documentation.  <P/> Restart #  4  I called again on  XXXX / XXXX /   17 -  fourth representative initiated a complaint against the second and third representative for failing to attach the documentation to the dispute. The representative reattached the paperwork, entered a new dispute, and restarted the 30 day time clock.  <P/> Today I contacted Experian 's " Special Services '' department to speak with a supervisor about the issue. The supervisor refused to fix the issue. Supervisor "  XXXX  '' kept telling me that they would not honor my original dispute and paperwork indicating that I do not owe this debt. Instead, he verified that the multiple redisputes was Experian trying to correct multiple documentation errors. He verified that multiple complaints have been placed by representatives for causing errors with my original dispute. Yet he did nothing to remedy the situation except insist that I wait another 30 days after they corrected their own errors.  <P/> I have given Experian since  XXXX  to correct the inaccuracy on my credit report. Each time, the representatives make mistakes attaching my file, and as a consumer, I have to keep restarting the 30 day time clock for their error. From my initial dispute, it has been well over 30 days for Experian to correct this error. Experian knows that the reporting is inaccurate, but has yet to correct this.  <P/> I have been denied credit twice specifically because of this error - through a mortgage company and with a federal student loan. Because Experian is knowingly reporting inaccurate accounts on my credit, it violates FCRA a nd FACTA and Dodd-Frank Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im notifying you that the following account is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character. 

Account Number : XXXX Please investigate and delete this account because it is reporting two different dates last active : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX. Two different dates opened : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX. Two different account statuses : Transunion - open, XXXX - closed. XXXX has also FAILED to report the dispute status whereas Transunion has it listed this account has been disputed already. This is a direct violation of the FCRA as any person who willfully fails to comply with any requirement imposed under 15 USC 1681n with respect to *any* consumer is LIABLE to that consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure or damages. Another failure will result in immediate legal action. 

Account Number : XXXX Please investigate and delete this account because it is reporting three different dates last active : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Two different dates opened : Transunion : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Two FALSE last payment dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. A PAST DUE AMOUNT OF {$0.00} across ALL bureaus. Another attempt at defamation here. All XXXX bureau 's have exercised willful non-compliance and pure negligence. 

Either the furnishing of this information is unreliable, or you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Again, please carry out a reasonable investigation into this matter and delete this account from my file immediately or prepare to face legal action.
Product: Student loan

I applied for the save plan in XX/XX/XXXX, I also consolidated my loans at this time. Mohela made an error in processing and attempted to apply the save plan while the loans were being consolidated. In XX/XX/XXXX I received a save plan rejection letter due to having a {$0.00} loan balance as my loans were paid off when being consolidated. 

Mohela apologized and confirmed my save plan would, now be applied since my loans were now consolidated. 

I called back in XX/XX/XXXX, and was told that due to an error in the system, my save plan was never applied as when loans are consolidated the payment plan you select does not carry over. They instead placed me on a general plan where my monthly payment would be over {$1300.00} per month. Please bear in mind my monthly payment on the save plan would be {$0.00}. 

I was told to reapply for the save plan in XX/XX/XXXX and did so, when I called on XX/XX/XXXX. I was told due to a system error on XX/XX/XXXX, the save plan was not processed. Mohela confirmed they did not alert me that there was a system error and it took me calling back to wonder what was taking so long to find this out. I was told to leave a message with the resolutions line and was told I would be called back in 24-48 hours. I have received no phone call or communication. 

I want my save plan applied and I want all new accumulated interest between XX/XX/XXXX and XX/XX/XXXX to be waived as I have been placed in administrative forbearance during this time period due to Mohelas errors.
Product: Credit card or prepaid card

SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date. 

I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail. 

Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue. 

I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent inquiries on my credit report with Experian that I did not request nor authorize and Experian is refusing to remove the inquiries. 

The inquiries are : XXXX XXXX XXXX XXXX  XXXX  XXXX I talked to Experian on XX/XX/2019.
Product: Debt collection

Ray Van Klien emptied my bank account but never informed me of a court date. I haven't heard anything from them since around XXXX  when I disputed the collection.
Product: Checking or savings account

I rented a car from the rental company XXXX on the XXXX of XX/XX/XXXX till the XXXX of XXXX of XXXX. I have only 1 signed and authorized charge and agreement. I returned the car on the XXXX day of XXXX. I was charged by XXXX Over {$1600.00} and when I addressed the over charge as my week agreement I signed for was only {$810.00}. XXXX saw the mistake and quickly fixed it. A month later during the time I was in a rental car from XXXX I was charged by XXXX {$2700.00} and told that i have 6 open agreements. This was clearly very wrong. I Disputed the charge with my bank KEY BANK and the funds were credited to my account. 3 months later my bank deducts {$2700.00} from my account whilst I am on vacation with my family cleaning out my account leaving me and my children stranded over XXXX miles from home. They claimed XXXX sent a receipt that I had a vehicle for much longer than a week. There is no authorization from me for the charges No additional contracts or agreements signed by me. According to XXXX policy the agreement must always be signed by customer and be current. I only signed one contract for {$810.00} because that is all i had ever rented from them, My bank is refusing to return my funds and closed the case. They left my account in the negative {$1900.00} and will not accept my documentation as proof of my standing in the situation. I have lost my job because I was unable to return home in time to return to work. I almost lost my home and I am now 30 days late on my car payment and credit card bills. this is affecting my credit score, my reputation, my bills such as rent, utilities and auto. Please help me!! I have done nothing wrong. I have been billed a total of over {$4000.00} for a 1 week rental car and my entire life is crumbling because of it. My bank will not help me and i am about to end up homeless over this. I lost my job and i have children i cant lose my home.
Product: Credit reporting or other personal consumer reports

THIS IS INJURIOUS TO MY CONSUMER REPORTS. 

Over the past four weeks, I reviewed my credit report from all three credit reporting agencies and discovered listed accounts that have late payments that were not late and a bankruptcy on my files. I have placed 8 phone calls to get this information removed from my files.

I sent ( 4 ) certified letters TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX To the agencies, but no agency has corrected the inaccurate information AND HAVE ONLY SENT ME COMPUTER GENERATED LETTERS THAT DO NOT ADDRSS MY ISSUES. In addition, the US Bankruptcy Courts have provided documentation clearly stating they do not verify or validate any public records. 

You are violating the FCRA law by not responding on time and not working with me to correct inaccurate information. I want to know how late accounts were verified on PAID AS AGREED ACCOUNTS and how other accounts are late but CLOSED and PAID 100 % with no remaining balances. I also want the bankruptcy REMOED IMMEDIATELY FROM MY CREDIT REPORTS. Documents and evidence attached. 

If you do not move expeditiously to correct ALL late pays an the bankruptcy for the following accounts, I will seek more legal action against you. I am doing a CFPB complaint as well for not having a proper response and result from you this time. I am submitting these incorrect items once again to remove all associated late payments and bankruptcy. I am paying these accounts as agreed or they have been paid in full already. Please remove the late payments immediately and the bankruptcy. 

Reporting inaccurate information is misleading. PLEASE investigate and REMOVE immediately. Under Section 1681 ( G ), please send me details of the procedures that were used to verify all inaccurate late payment accounting and include name/address/phone of ALL persons contacted to verify this inaccurate information per regulations found in the FCRA. 

Late payment accounts being reported inaccurately On XXXX, XXXX, and Experian : The report are inaccurate from last payment date, last activity on account, late payments, account status, last payment amounts to how accounts are 100 % paid in full and as agreed. 

XXXX XXXX  ( AUTO ), Acct # XXXX, XXXX late pays, PAID IN XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid My consumer report is extremely important to me, and I want to advise that willful non-compliance is a violation of Section 1681 ( n ) of the FCRA. I assume 30 days is a reasonable amount of time to delate all of these late pays on my history. After removal please provide an updated credit report from ALL reporting agencies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX, Account number XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Sir/Madam, I hope this email finds you well. I am writing to you regarding my business checking account with Wells Fargo. Recently, I discovered a repeating transaction of {$850.00} every month, originating from the same check that was issued in XX/XX/2022. 

I immediately contacted Wells Fargo to investigate the matter and was shocked to learn that the same check had been cashed by the person for 11 times. Wells Fargo Banker also confirmed that the person was able to cash the check using the same instrument. 

Despite this clear case of fraudulent activity, Wells Fargo informed me that they were unable to stop the payment and issued a claim letter stating that they would not reimburse me for the almost {$9000.00} that was fraudulently withdrawn from my account. 

As you are aware, banks have a duty to exercise reasonable care in processing checks and transactions and to prevent fraudulent activity. However, it appears that Wells Fargo failed in their duty to detect and prevent this fraudulent activity, which resulted in a significant loss to my business. 

I would appreciate your urgent assistance in this matter, and I am seeking your guidance on how to proceed further. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

{$150.00} was sent out of my account through XXXX to a number I dont recognize. I made a claim with my bank, Wells Fargo, and the told me to secure my account, change my card, and change my bank account number, then check back for the status. When I called, they told me the claim was denied since the claim was valid and authorized.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX, CAXXXX ; XXXXXXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, give authorization for JPMorgan Chase Bank, XXXX. to move forward with this complaint. I applied for a credit application on XX/XX/XXXX, and XX/XX/XXXX. According to XXXX XXXX XXXX Regulation Z ( XXXX ) I am a consumer which means a cardholder or natural person to whom consumer credit is offered or extended. JPMorgan Chase Bank denied me my right to a consumer credit transaction On XXXX XXXX and XX/XX/XXXX. 

JPMorgan Chase also stated they used the credit bureau and credit score to make the decision. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 12 CFR 1026.2 ( 5 ). XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and the Bureau is Consumer Financial Protection Bureau. Furthermore, the Fair Credit Reporting Act makes no mention of a XXXX score being a numerical score as defined by 15 USC 1681g ( f ) ( 2 ) ( A ). Credit is a right guaranteed under the Equal Credit Opportunity Act, 15 USC 1691a, and JPMorgan Chase Bank denied me that right. Chase Bank is in violation 16 CFR 433.XXXX of I, natural person seeking or acquiring goods or services for personal, family, and household use. JPMorgan Chase Bank is not exempt under XXXX XXXX  XXXX because they received or took my open end consumer credit contract after XX/XX/XXXX. JPMorgan Chase has discriminated against me because I in good faith exercised my right pursuant to 15 USC 1691 ( a ) ( 3 ).
Product: Debt collection

Sat XX/XX/XXXX I received a letter in the mail from a debt collector stating they were suing me to garnish my wages however, this debt is not mine AND furthermore this debt collector is located in NJ and I live in CA. 

Additionally, I have checked my credit reports dating back to XXXX ( I can provide copies of all years if necessary ) and can not find this creditor on any of my reports. It appears as though this debt collector is attempting to collect and garnish my wages for a debt that does not belong to me. 

PLEASE HELP!!
Product: Consumer Loan

Hi I have a dispute with Ally Financial we traded in our lease car at XXXX XXXX and bought a truck they let us out of our lease early and added on our new loan. We did this on XXXX XXXX, XXXX called them and got the pay off and everything was ok. Now Ally is saying we owe them over XXXX dollars because we still own the car we faxed them everything they needed we do n't own the car anymore first Ally said we needed to sign a paper because my husbands name is still on the title so we took care of that then they call us and say we are behind two payments because we still have the car and we did n't they say they still need more money that the pay off was wrong. Not our fault they have everything they need and wo n't close our account we were never late with our payments we traded in the car before our payments was due now my credit is taking a beating because of this I will never deal with XXXX or Ally ever again because the car dealership is not helping us either. I do n't know what to do next can I get a lawyer on this at what type of lawyer. and how can I restore my credit from this it is Two months now and nothing we do is working with Ally.
Product: Debt collection

I requested that Wakefield and Associates send me debt verification for a bill charged from XXXX XXXX XXXX of SC. They refused to validate my debt within 30 days. The amount due is stated as {$1500.00}.