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

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 the months that I was late 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.
Product: Debt collection

I received correspondence from Sessoms & Rogers P.A. Claiming that I owe a debt to an XXXX XXXX XXXX, and threatened to file suit. However, I have never gotten into any kind of business/financial transaction with this company, not have I signed or agreed to pay any sort of debt to them, and the majority of what was in the packet that I received is 15-20 pages of either blank pieces of paper or papers that just say redacted line after line with no other information. I have tried to contact Sessoms & Rogers through both phone and email, their phone number I only get directed to voicemail, and in their packet was a email address that was slightly misspelled from the address on their website, which makes me feel like its a tactic to prevent you from starting a dispute in order to easily get a default judgement on someone since the email will never deliver. 

I am requesting that they prove that I am somehow responsible for this debt that they claim, that it is within the Statute of limitations, and that the amount is in fact accurate. I do not agree with their claim in any way shape or form.
Product: Checking or savings account

On XXXX XXXX I received an email from support at chime bank indicating that I needed to provide proof of identity and address in regards to my checking account and credit account I have held with them for a year. The balance on XXXX XXXX in my chime checking account was {$73000.00} and in my credit account the balance was {$7500.00}. My account with them was suspended with no prior notice or explanation. I have no access to my money or to any of my funds. I provided the necessary documents immediately and my account is still suspended. I have direct deposit from my employer that was due to be deposited on XXXX XXXX and that deposit was rejected due to the account being suspended. Again without any explanation or further notice. I contacted customer service on XX/XX/2020 and was told that my account would be reinstated immediately after the documents were provided that they needed. I received an email from support at XXXX XXXX on the same day XX/XX/2020 that my documents were received. I still have no access to my account. Upon further investigation I have found numerous complaints from numerous sources that chime bank has done this quite often to many people. This matter has yet to be resolved and my funds are still unavailable. When I try to log into my account it says that my account has been suspended and to contact customer support. I have. Without any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 an agreement was made to settle an account with American Express through their counsel XXXX XXXX  XXXX, XXXX. 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. 
I've called XXXX XXXX XXXX who refers me to an XXXX # at AMEX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at AMEX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX XXXX XXXX who confirms the need to work with AMEX and this continues in this manner. 
In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-AMEX refers me to XXXX XXXX. 
A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. 
A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by AMEX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. 
All I am asking is for the correct information to be reflected in my profile. If either the attorney for AMEX or AMEX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have refused to removed fraud inquiries from my credit report for 16 months. I have sent them information and so has XXXX Bank to have them remove it on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX amd they still have not removed it. They have also locked me out of my Transunion account and locked me out of my XXXX  account.
Product: Credit card or prepaid card

I purchased a top by mail from XXXX ( Comminity Bank via the catalog ). Returned it a XXXX XXXX XXXX. On XX/XX/XXXX via online banking I sent in a payment to cover the shipping XXXX, which was received by XXXX and paid by my bank on XX/XX/XXXX. I was advised that payment was not received the payment so on XX/XX/XXXX I sent another payment for XXXX. They claim they did not receive the payment. The XXXX was received and paid to XXXX XXXX ( Commnity Bank ). on XX/XX/XXXX. XXXX XXXX and Comminity Bank claimed not to have received that payment. on XX/XX/XXXX I sent them {$20.00} just to get them off my back. 
I have talked to my bank and they have verified these payments were made. 
On XX/XX/XXXX, I spoke to someone named XXXX ( a manager ) who said she had located all three of the aforementioned payments in their system. She still wanted me to send in proof of payment from my Bank. I balked at this since it would t would take more time. Today, XX/XX/XXXX, I once again contacted my bank, who contacted XXXX ( Comminity Bank ) and will send proof of payment, even though Comminity has verified that they have received the payments. This is now bordering on harassment and dishonesty on the part of XXXX XXXX. I want a refund and credit from XXXX. 
I feel taken advantage of., bullied and mistreated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX  - XXXX - {$10000.00} XXXX XXXX  - XXXX - {$4300.00} XXXX XXXX - XXXX - {$9800.00} XXXX XXXX XXXX XXXX - XXXX - {$60000.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Mortgage

THE ORIGINAL LENDER WAS UNLICENSED TO FUND THIS LOAN, IT WAS ALL DONE AS PART OF THE FINANCIAL CRIMES BEEN COMMITTED AGAINST CONSUMERS BY THESE WHITE COLLAR CRIMINALS, THERE IS AN OPEN CASE WITH THE DOJ, AND I JUST SUED THEM ALL AND JUDGES IN FEDERAL COURT
Product: Mortgage

We had a missed auto pay in XX/XX/XXXX. We made emergency payment. They said we were all set. Then they never took money out. Months passed. We made more Emergancy payments. Said we are all set again. It was t the case. They dont service the loan they sell. Cant answer us if we are back on track. Cant e mail us confirmation.
Product: Debt collection

I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX money. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the dispute through XXXX XXXX  XXXX to be removed due to the seven year limitation and received no response.
Product: Mortgage

Have had this loan for multiple years and have also been or paid on a bi-weekly program either through the company or on our own. We prior to the sale or take over by this mortgage company were on their bi-weekly program. When NewRez dba Shellpoint took over they didn't not participate in that program but we kept on paying bi-weekly through our bank and there didn't seem to ever be an issue until this last year when they for some reason would take one of the bi-weekly payments and make it a principle only only payment. In the event of them processing the bi-weekly and additional principle payments incorrectly they have managed to get our schedule off and now it is showing that come the first of each month we are short on the payment and have since been issued late charges I've called multiple times trying to talk to someone about the issue but it is always after they have applied the " late payment '' and just say they show my account in perfect standing order. Then the first comes around and we are repeating the same process.. I pay {$650.00} the XXXX  and XXXX Friday of every month so come the first I have my regular payment plus and additioon {$250.00} for principle.. I got tired of them putting the blame on me because I wasn't doing the samething buth through them on their time schedule. I finally gave in and set up the bi'weekly to start XX/XX/20 and every other Monday thereafter and assured by the superviose XXXX XXXX XXXX XXXX that my account was again in good standing order once this was started I'd have no further issues. But when I went on the website and looked at my billing history in the same situation. They have made some big mistakes misapply by payments and I just want my schedule to be fixed and stop be charged late fees. No telling how messed up principle payoff has been affected by their XXXX ups. I want my account to reflect my 2 monthly payments being applied to the next month and refunded every dime they've charged me inappropriately. I'm including a copy of my payment history for the last 13*months.  Also attached is a copy of my last statement and if you notice on the back it states that amounts paid in excess will first be applied to satisfy any delinquency yet that has never happened and I pay an {$250.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX Auto and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXXXXXX Dear Collections and XXXX XXXX XXXX. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 



Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non- compliance. 



Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking XXXX in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX, I filed an affidavit and a police report to have some items removed. I received a completed investigation letter by mail. It stated that on XX/XX/XXXX that the disputed items have been removed, which stated that the items were not currently reporting on my credit report, but when I updated my credit report, the items are still reporting on my current report. Equifax is violating the Fair Credit Reporting Act because this company is still reporting fraudulent items on my credit report. I have contacted my attorney and my next steps includes filing a lawsuit with the court. Please correct this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my privacy and confidentiality under 15 USC 1681. 
XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX 15 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s a 1 A person Shall 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. REMOVE/DELETE off my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX, and Equifax regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This item is not allowing me to XXXX  my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.
Product: Payday loan, title loan, personal loan, or advance loan

Starting XX/XX/XXXX I have been getting calls about my late payment they are harassing me from that day to XX/XX/XXXX they have called me XXXX times it needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my husband 's business experiencing a loss because of XXXX, I fell behind on my XXXX  Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX  and XXXX  have reported the account closed. However, Experian has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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.

I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit card or prepaid card

On XX/XX/XXXX there was a hard credit inquiry made by Citi Bank NA, Best Buy. I did not apply for a new credit card. I called Best buy and it was confirmed that someone tried to open a credit card in my name for Best Buy, They cancelled the application and reported it to the credit bureau.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Money transfer, virtual currency, or money service

My employer XXXX XXXX ( XXXX! ) sent my pay to XXXX 
I have used the Chime card through them for months with no problems. 
Somebody changed the routing numbers from XXXX to XXXXXXXX XXXX which also is connected with Chime. 
XXXX sent a deposit to XXXX numbers on XXXX XXXX. 
They did proceeded to send a fraud alert email on XXXX XXXX. 
Never contacted me about the change to my account. 

I changed the numbers back to the correct ones. 
XXXX sent an email this time to make sure I had changed numbers. 
I had not logged on to XXXX in weeks prior to the change, but they are saying I had went to a scam website. 

Called Chime customer service and was told it would be sent back as the account didn't have my name. 
Numerous calls and emails later, I started talking with XXXX. 
XXXX wanted XXXX XXXX to send a indemnity letter, but they refuse saying they did nothing wrong. 

XXXX now tells me the money has went to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the Experian, XXXX, and XXXX has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am requesting an investigation into an alleged debt that I have and is reported on my credit. The debt indicates that it is mine, but I am requesting that you conduct an investigation as required by law. It is an account with information that I do not recognize and that is against the law. I am asking that you comply with the law and verify that all the information that Experian shows is correct. 

XXXXXXXX XXXX XXXX Acct # XXXX Fair Credit Reporting Act Protects me