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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

I have contacted XXXX their attorneys and their collections agency. I have been to court with their attorneys and was told if I sent them everything they requested they would handle then case outside of court. They asked for an XXXX XXXX affidavit a police report and the statement from XXXX. I supplied all of those items and have not heard anything back. I have also created a fraud alert and froze my credit at all 3 reporting companies. Yet I still have heard nothing from them. We have court next week and I have no idea if I am still supposed to go or not and court is almost an XXXX XXXX away I would appreciate it if they would keep their word and prosecute the people I told them had access to my information and the ability to set this account up in my name.
Product: Credit reporting or other personal consumer reports

I disputed with Experian about a late payment that was inaccurate. The dispute came back in 14 days saying it wasnt changing the report of a late payment even though I have proof of payment and that it was inaccurate. My credit cards are being managed by a credit counseling and was paid on time. XXXX agreed to report accurately and not report a late fee. Two cards are reporting a late fee which is in accurate Experian did not do its job in investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a account on my credit report that they have already verified and up dated my credit report as being included in my bankruptcy and discharged, now the are reporting this account which is XXXX XXXX XXXX as a negative account, this is a clear violation of the fair credit reporting act. Why are they changing my report with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Validate Account XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. Please make sure every report on this credit profile Is XXXX XXXX accurate. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose
Product: Debt collection

CRV violation. fraudulent accounts or charge appear on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im so frustrated. I called Transunion in XX/XX/2023 and told them I had inquiries on my credit report I didnt recognize. They in turn filed a dispute saying the credit cards I opened in XX/XX/2023 were opened fraudulently which was an absolute lie. I never stated that only the inquiries were. They closed my XXXX and XXXX accounts. They tried to close my XXXX XXXX account as well but XXXX XXXX told them it was definitely me who opened the accounts. I had to go through XXXX to get them reopened. The cops were called on me because they said I had a stolen XXXX card per my credit reporting agency. Ever since then I cant get any credit or even new cards for existing accounts. Its impossible to get through to them. I got through yesterday and was told it would be corrected. Once again I cant get through to Transunion and I refuse to keep paying to send certified letters. I need this situation resolved. I need them to contact whatever credit reporting agencies they contacted and undo what they did.I need them to put my two accounts that they closed back on my credit file. Im being penalized for being a victim of identity fraud and its absolutely ridiculous. I shouldnt have a problem proving Im me. The address on my credit file is correct so just send me my new card.
Product: Mortgage

I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company. 

That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it. 

Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ... 

We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me. 

We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc.. 

We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it. 

I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted. 

Amyowner of the house!
Product: Mortgage

The new mortgage account wont let me pay the bill and when I try too it states I cant. 
Ive called, my wife has called and we can not get anyone on the phone. 

Please help!
Product: Debt collection

I began receiving calls from an unknown number which of course I do not answer. It apparently appears to be a collection agency as I believe I 've gotten voicemails. On  XXXX / XXXX /  XXXX   I received a call from a similar number but la st 4 digits  slightly different (  XXXX  ) and was waiting for a voicemail to identify who it was. It was a  3 sec ond message of a man saying "   XXXX   XXXX   XXXX   XXXX    ''. This m orning I received a text message from  XXXX  asking " is this ______ ''. I feel it 's clearly an illegal attempt to have me respond in order to get me to call and collect a debt I do not believe is accurate. I understand that it 's illegal for them to send texts or emails that trick or harass you into contacting them so they can collect money. By law, de bt collectors have to tell you who they are, no matter how they contact you.
Product: Debt collection

In the year XX/XX/XXXX, I was managing two small businesses ( XXXX and XXXX ). XXXX was providing on line computer support and XXXX XXXX was used for purchasing jewelry items through PayPal. After some time, PayPal sent me collection letters for {$780.00} for XXXX. I have tried to reach PayPal several times by Phone, Inter Office emails and even Certified Letters but I could not resolve the issues. 
In a call to PayPal on XX/XX/XXXX to their Dispute Dept. with XXXX, I was told that the Balance Due is only {$240.00}. On XX/XX/XXXX I received an e-mail statement that amount due is {$460.00}. ( See Exhibit B, Scan XXXX ).

On XX/XX/XXXX sent a Certified mail to PayPal legal Dept. I received an e-mail response on XX/XX/XXXX. ( See Exhibit B, Scan XXXX ) explaining Debt Amount of {$780.00}. Surprisingly if you added those amounts, it come out to be {$780.00}. 
On XX/XX/XXXX PayPal sent me an email in response to my Second Certified letter, ( See Exhibit B Scan XXXX ) to call PayPal to resolve issues. In every call I spoke to different depts. and different people, every one giving different answers. No one would confirm that I have spoken to someone else before. I have sent several inter office emails for which I received an automated response for receiving email without any follow up. 
Previously, I have received several emails informing me that PayPal is withdrawing their money request. In their emails, there is no Case ID or transaction information. Also I have discovered some duplicate transactions showing negligence on part of PayPal. Even after realizing their mistakes amount due is always {$780.00} and it would not change. 
After many phone calls PayPal provided me with access to XXXX XXXX account I have discovered many unauthorized money transfers and several transactions still on hold in their records. ( See Exhibit A and its summary ). These transactions are from XX/XX/XXXX to XX/XX/XXXX. Access to XXXX account was not granted. 
After discussion with several PayPal Dept., I could not get any explanation on phone, by email or hard copy. My businesses have suffered losses and ending up closed because of these irregularities. It has affected my Credit also. I request your help in resolving this case. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Informational Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Remove Credit Inquiries Dear Equifax, I am writing to request the removal of the following credit inquiries from my credit report : - 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 XXXXXX/XX/XXXX These inquiries were made in error/without my permission, and I would like to request their removal. Please investigate this matter and update my credit report accordingly. 



I would appreciate it if you could provide a corrected copy of my credit report within the next 30 days. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Checking or savings account

This a follow up complaint to my original one below is my original complaint as follows XXXX on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because I was late I had to pay my XXXX XXXX XXXX XXXXor being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems. 

Per your response to the original complaint you indicated you did an investigation. Per your words below To note, you also mentioned in your complaint that there was a known outage during this time regarding Chime cards. We want to inform you that we found no outage when reviewing the month of XXXX in regard to your complaint. 

This a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found during the month of XXXX XXXX your tweets and the status page of your services proves that you are straight up lieing. You tweeted on XX/XX/XXXX the day in question that members were having difficulty turning on and off transactions. Not only were you having trouble on that day. You were also having issues the next day XX/XX/XXXX consisting of the same exact problem from the previous day in which you also tweeted that day that there was issues in turning on and off transactions. So for you to say you did an investigation and found no issues were found for the month of XXXX is a straight up lie. That is totally unacceptable and quite frankly a huge issue of distrust if you do not take this seriously and keep trying to lie about the problem that was clearly documented that tgere was a problem I will choose to take another route which will involve lawyers and class action suits.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Balance : {$2700.00XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's # XXXX Ex Girlfriend had put me on the account as an authorized user without my knowledge. It is now on my credit report, and keeping me from buying a home with my 3 kids.
Product: Mortgage

RE : Nationstar Mortgage LLC ( AKA. Mr. Cooper ) I purchased a home financed by a VA mortgage through NationStar Mortgage LLC on XX/XX/XXXX. 

When I received my first bill, I realized the amount was wrong, in that it was approximately {$200.00} too little ( Approximately {$1800.00}, should be {$2000.00} ). 

This {$2000.00} reflects my mortgage, and insurance, and taxes paid in escrow. 

I pointed this error out to NationStar immediately, and paid {$2000.00} towards my payment, as it should be. The error was in the amount calculated for taxes. 

I continued to pay my mortgage in the amount of {$2000.00} for the remainder of the year. 

On or about XX/XX/XXXX, I received a letter from the town of pending lien, that my taxes had not been paid. 

I notified NationStar, and was assured that it would be taken care of. 

On or about XX/XX/XXXX I was sent a follow up notice of pending lien, and I called the city tax-collector and confirmed that NationStar had not dispersed the taxes due.

I again called NationStar, and they again assured me that it would be sent to their tax department to take care of and that I should not worry about it.

On the date the lien attached, I called the city tax collector to confirm that the taxes had been paid. They told me the taxes had not been paid, and a lien would be in the mail the following day.

I called NationStar again, and after 20 minutes on the phone, they apologized profusely and assured me that it would be taken care of.

I received the Lien in the mail a few days later, and again called the tax collector, and again called NationStar, and was told the same thing again.

To date interest of {$110.00} has accrued, a lien fee has gone on the public record of my house, attached to my name, and a lien fee of {$24.00} has attached, a total of {$1400.00} has gone unpaid in taxes, and I have over {$3000.00} in my escrow account with NationStar that they will not release to pay them. 

Today on XX/XX/XXXX, I again called NationStar, and was told that they called the tax collector, and the tax collector said nothing was due. I live in a city where the tax collector picks up the phone on the first ring, and can answer my questions in seconds. I have called personally called the tax collector 4 times, and they immediately are familiar with my address, and the exact amount due on unpaid taxes and the status of my lien. There is no scenario in which NationStar is being honest by saying they called the tax collector. There is only a small handful of employees in that office, and every time I've called the person answering the phone is not familiar with anyone from NationStar calling about this lien, although they are always familiar with the lien within seconds as if they have a clipboard in front of them with limited liens on property in this smaller city.