23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used the XXXXXXXX XXXX feature with Chime ( XXXXXXXX XXXX  ) on Thursday XX/XX/2022 and tried sending money to my sister in law for rent, it was in the amount of {$650.00}. I did this in the month of XXXX as well. As normal I put her name in the search button it populated and I sent her the money. The money was automatically deducted from my account but it never went to my sister in law. It went to a gentleman named XXXX XXXX who I do not know at all. Some how his chime tag got on my sisters in laws name. With in 3 minutes of the transaction I called chime to dispute the transaction as I do not know the person that received the money and it took less than XXXX hours for them to tell me the dispute was closed as they did not find any evidence of wrong doing. I then called them again and they said I would have to send more evidence to reopen the dispute. I sent them screen shots of my sister in laws name as I input in the search bar and a screenshot of when I put the amount I was sending her which still showed her name. With in less then XXXX hours they told me it still was not enough evidence. Now this person who I dont know XXXX XXXX has my money and Chime will not return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open a different dispute with XXXX for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXXXXXX XXXX has acknowledged that they sold my debt and that all payments should be made to XXXXXXXX XXXX XXXXXXXX XXXX offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. XXXX XXXX has to honor that. XXXX, XXXX XXXX and Equifax is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show this.
Product: Credit reporting or other personal consumer reports

I have identified discrepancies in my credit report across XXXX, Equifax, and XXXX, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from XXXX, Equifax, and XXXX that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a creditor named XXXX XXXX with an account number of XXXXXXXX XXXX XXXX  on my Equifax credit report. I have disputed this account several times with Equifax over an incorrect balance amount of {$360.00}, which I paid off on XX/XX/2023, and now it is XXXX. However, Equifax has repeatedly shown bias towards a certain race group by filing several misconstrued dispute statements to XXXX XXXX, stating that I am disputing the ownership of this account when I'm disputing the incorrect balance showing on my credit report. I have enclosed a copy of the receipt I received from XXXX XXXX on XX/XX/2023, for this account, which shows a XXXX balance. Despite mailing Equifax a copy of the receipt, they continue to report an incorrect balance of {$360.00}. I have disputed this account with Equifax six times, and they have refused to change the incorrect balance reporting on my credit report to XXXX.
Product: Checking or savings account

I received an electronic check from XXXX XXXX XXXX 's an echeck to be more up front from them it had JP morgan chase bank endorse on the check. I verify through there website several times chase would n't accept it they even called the police on me and told them I wrote ah bad check after going through two chase banks were I was totally disrespected and not even help once I was able to deposit the echeck it went through and it was returned ahead few days later saying that the account was closed and XXXX closed my account because of it I received ah substitute check from XXXX and nothing I can do with it because that account was closed after doing my research the check is still valid and I Have the person who name is on the account real name I want to know how is a closed account from chase still valid and I also want a refund
Product: Debt collection

Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. XXXX XXXX, The XXXXXXXX XXXX XXXX. and Trott Law. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX XXXX XXXX, the fraud at the XXXX XXXX  and the fraud at Trott Law. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased XXXX XXXX XXXXr. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX XXXX as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of XXXX years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into XXXX dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries thats I dont recognize on my credit report. These accounts arent attached to an open accounts, nor am I benefiting from any of these inquiries. I would like to state that Experian is in violation of my consumer rights and the FCRA. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - No Permissible purpose. I, XXXX XXXX, NEVER gave Experian WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. This is public information, I can only assume Experian broke the law knowingly and willingly which is another violation of my consumer rights- Pursuant 15 U.S.C. 1611. According to the FCRA consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. 

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

The account is with Credit Acceptance. I have reached out several times this is not my account in the amount of {$6400.00}
Product: Mortgage

We previously filed a complaint, #  XXXX . The servicer responded stating they acknowledged the mistake and were fixing it. It has been 6 months and still has not been resolved. Our client continues to get letters threatening foreclosure.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several attempts made to request loans and credit cards and bank accounts. A few were me but another werent
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, and XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Vehicle loan or lease

I have been trying to update a delinquent payment reported on my credit report cause by a lemon vehicle provided by BMW. After ongoing issues with my brand new lease vehicle, BMW finally devised to provide me with a substitute car. During this process, my car was at their repair facility quite often. This created issues at work, actual damages and other financial issues. During these times, the account went delinquent 30 days, as I was under the impression that my deposit was going to be utilize to cover an installment payment.

Soon thereafter, I made 3 upfront payments to bring the account current, and to move forward with everything I have been doing business with BMW for quite some time, and the reason why I lease a brand new BMW is not to have this issue. The account would have never been late, if this issues wouldn't appeared. This problem not just affected me, but my family members as well. I would like to have this account updated to pay as agreed, and not late. 

Account ending in XXXX 2021 BMW XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are late payments being reported for months in 2020 and months in 2021 that were doing the time of a pandemic. During those months I was given the pandemic deferment, but my account doesnt reflect that. 
I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital was my lien holder for my XXXX XXXX XXXX XXXX XXXX I paid on time for 16 months from XX/XX/XXXX to XX/XX/XXXX when the car was sold, and it never once was reported onto my credit report. Their website clearly states that they will report credit information to all 3 bureaus but they never once did. I called them every other month as I was paying on time to ask about this and they kept saying they will do it it but never still ever did. Later when selling my car after an accident the loan still hasnt ever been reported or shown on my credit report. Please help ; I got this car to build my credit and I need your help. Thank you
Product: Debt collection

Resurgent Capital Services has been billing me for a debt which I have disputed. I sent them written notice and also called them back after they had contacted me at my place of employment along with numerous other phone calls. They sent me another notice XXXX XXXX, XXXX with Historical account information where they claim this was an XXXX XXXX XXXX XXXX XXXX, original collection date of XXXX/XXXX/XXXX with a charge off date of XXXX/XXXX/XXXX and their information saying the debt was acquired XXXX/XXXX/XXXX from XXXX XXXX XXXX. So now in XXXX they want to open up and collect on something from XXXX, how is that possible?? Resurgent claims the original amount at time of acquisition was {$180.00} and they are adding Interest of {$160.00} for a total of {$350.00}! I have repeatedly advised that this bill is not valid or due, and something going back so many years?
Product: Debt collection

I filed bankruptcy in XXXX - I turned over my keys to mortgage company. I had an 80/20 loan and the 20 is still coming after me. 
They are trying to collect XXXX because of interest accrued!! 
When the debt owed was originally under XXXX - and the 80 % loan never paid them!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance 3yrs ahead of the loan term agreement. XXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks
Product: Debt collection

I was contacted by a service and instructed to call XXXX XXXX XXXX about pending legal action. When I called, I was informed that I had been sent a letter about an old debt, and how would I like to handle the situation. As I had not received any letter, I was not aware as to what the law firm was talking about. They referenced a debt that was from a XXXX XXXX credit card, that I no longer have and is nowXXXX  years old. I was told that I would have to work out a payment plan or pay full amount. If I failed to act, legal proceedings would begin in XXXX XXXX, CO. 
The acct number on the letter they sent was not fully correct. This debt also does not, and has not shown up on any credit reporting check. The only place it showed up was from a credit check that was performed over 10 years ago, and showed as closed. 

I contacted XXXX to determine what the status of the debt was. The acct in question was closed in XX/XX/XXXX and the debt transferred to a company called XXXX. This debt was then later transferred in XX/XX/XXXX to a company called XXXX XXXX. XXXX is no longer in business. XXXX XXXX XXXX was only opened in XX/XX/XXXX. 
I have had the same email and cell phone number since XX/XX/XXXX, and have never been contacted about this until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach and I request that all the accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of the breach and I do not want them to negatively affect my credit file.

Please find below the list of accounts and inquiries that should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My HSBC bank offers overdraft protection through a credit service affiliated with their bank HSBC Select Credit. In order to ensure the timely payment of my minimum monthly payment I agreed to the auto-pay feature of my bank account which would automatically debit and transfer funds from my checking account to make my monthly payment. Everything went smoothly. 

Several years ago I relocated from New York to Connecticut and my access to HSBC branches were greatly diminished, so this bank account became less and less utilized. 

XX/XX/2016 I was contacted by the bank that I had not made my monthly payment to the overdraft account. I immediately authorized the payment and when I asked WHY the autopay service did not transfer the necessary funds - the representative informed me that the autopay services had 'expired '. At that time I asked the representative if I could reinstate my autopay status - and she said " Yes. '' My autopay status was never reinstated. I was later told that this representative misspoke if she gave me the false impression that she was reinstating my autopay status. 

XX/XX/2016 it came to my attention that my overdraft protection account was now 60 days late - as it was reported to the XXXX major credit agencies and was now affecting my FICO score. I called the bank again and was informed that my autopay status was still not active! I immediately paid the entire balance due on my overdraft account ( over {$1000.00} ) and immediately additionally paid over {$5000.00} towards my HSBC credit card ( which was not late ) - as I now wished to CLOSE all HSBC accounts. I no longer feel I can trust them. 

Since this time I have endeavored to have the 60-day late indicator removed from my credit reports based on the following factors : I feel I was never adequately informed that my HSBC autopay service would expire. I was completely unaware that this service would, without making me aware, simply stop making my required payments. 
An HSBC representative clearly misrepresented her own ability to reinstate my autopay service, and gave me the impression that my phone intervention had solved the problem. 
I have paid HSBC over {$6000.00} as a good-faith gesture bringing all my credit accounts down to XXXX. ( please note I never missed a payment on my credit card - but paid this off as well ) The amount due on the missed payments to the HSBC Select Credit account was a VERY small amount of money. 
The amount of damage to my credit score is completely disproportional to the offense - given the small amount of money due - and will greatly harm me financially. 
There were CLEARLY miscommunications and circumstances attached to these missed payments. 

I am hoping that you can intervene to persuade HSBC to remove this one-time 60 late payment from my credit reports.