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

I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau. 

I am exercising my rights under the FCRA, specifically invoking Section 609, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law.

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information.

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.
Product: Credit card

I applied for the XXXX XXXX platinum card two months ago. I applied through a public link and it was said that once I spent {$3000.00} in the first 3 months, I will get XXXX membership rewards points. I spent a lot and in rush on normal shopping and eating to meet the requirement. I just got my points today and I would like to transfer them to a highly time sensitive airline ticket. However, they not only did not allow me to transfer the points but also freeze my whole membership rewards account. I was really frustrated as they promised me to have this XXXX points offer. I applied basically because I would like to use the points for the recent travel. My whole travel plan got destroyed. I paid {$450.00} for the upfront annual fee but received this kind of service and even froze my membership rewards account. I need a resoluton to unfreeze my account and compensate for the inconvenience.
Product: Payday loan, title loan, personal loan, or advance loan

I took out the loan with minto money with my understanding that the repayment of XXXX every XXXX weeks would go to the balance of my loan. I found out today that only a dollar goes towards the repayment and i have XXXX payments of XXXX left.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroreous information on my credit file
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$510.00} Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This morning, I saw incorrect accounts on my credit report, and Im completely lost as to how they got there. I routinely check my credit report, but today, I noticed discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it might just be an error, but the accounts didnt disappear. This has left me feeling incredibly worried, so Im pleading for the documents Ive submitted to be reviewed thoroughly so I can finally stop worrying about this ever happening again.
Product: Money transfer, virtual currency, or money service

I own a business and have been writing checks to XXXX XXXX for years. I have NEVER bounced a check with them or any business. Two weeks ago we switched banks and now TeleCheck denies each check I try to write. This is hurting my business as we are not able to get needed material. I have spent numerous calls and hours trying to get a straight answer, can not get someone to give me a straight answer. Was told that I have to wait and try to write check after a week but still denied and the last customer service rep stated that I have had to many checks declined. This is not true, I have never bounced a check and this company is causing me to loose business, and a reputation. They can not give me a straight answer as to why I am being declined and what steps to take to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX XXXX Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Product: Mortgage

I am formally complaining against PHH Mortgage Corporation of XXXX XXXX XXXX, NJ. PHH is my loan servicer, and I have received horrible customer service from their Relationship Management team and their XXXX XXXX Department. I've attached XXXX separate transcriptions of the emails I've sent back and forth with PHH, where I am trying to speak with someone knowledgeable -- not standard customer service representatives in a remote call center who can't answer more nuanced questions -- about PMI removal and the Appraisal I have requested. I began this process in early to XXXX, and it is now early to XXXX, and I have not spoken with my account manager. 
Today, I had an appointment window from XXXX - XXXX XXXX for the relationship XXXX to call me -- which was confirmed multiple times via email, as you'll see. The relationship XXXX did not call me, I have not been contacted by phone today. My alternative dates to set an appointment were also, apparently, unavailable. 
I have XXXX, maybe XXXX fair and straightforward questions that I would like to ask of a " person in the know '' at PHH regarding the most expensive financial obligation to my name -- my home mortgage. As of today at XXXX, I have still not been able to ask these questions and receive fair, knowledge-backed answers. 
I have asked repeatedly for PHH to elevate my case in hopes that I would finally be put in contact with someone who has authority in the mortgage servicing realm. To-date, this has simply not happened, and I've been given the run around. 
Mortgage servicing does not allow for consumers to make choices and changes with their financial matters and who handles them. My mortgage was sold ( no less than XXXX times ) by my mortgage originator, therefore I had no say, no choice in who now services the most expensive thing I own. If I received this abhorrent customer from service my bank or my financial planner or a consumer goods provider, I would have already walked away. I simply can't do anything about this situation except to file this complaint and hope that it breaks through to someone who I can be in contact with to answer my reasonable questions. The federal government, and maybe even the leadership at PHH, should be aware of just how unprofessional their customer service smoke-in-mirrors act is. 
The attached email chains contain further details to illustrate the communications and unacceptable service I've received from my servicer.
Product: Debt collection

To whom it may concern, I am writing to file a complaint against XXXX XXXX and Bay Area CS for violations of US Code 42 U.S. Code 1320d6 and US Code 1681b. Specifically, I am requesting that my information be deleted from my consumer report immediately in accordance with these laws. 

I have reason to believe that my personal information has been improperly accessed and shared without my consent, leading to inaccuracies on my consumer report. This not only violates my privacy rights but also puts me at risk for identity theft and other financial harm. 

I demand that XXXX XXXX and Bay Area CS take immediate action to remove my information from my consumer report and ensure that it is not shared with any third parties. Failure to do so will result in legal action being taken against both organizations. 

I urge you to investigate this matter promptly and take appropriate measures to protect my rights as a consumer. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I am having trouble with a fraudulent unauthorized charge dispute I am having with Discover Card. I never made said purchase and promptly reported the transaction upon noticing the unauthorized charge on my Discover XXXX XXXX. As of XX/XX/21 I received a Fraud Affidavit form that Discover Card requires I submit. I am compliant and completed the form and mailed the completed form on XX/XX/21. We are fast approaching the 90 day mark and I believe that Discover is dragging out this process as I never made the disputed unauthorized transaction purchase. I am seeking assistance in getting this issue resolved as I never made this fraudulent unauthorized transaction.
Product: Debt collection

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in regards to an incorrectly reported collections account on my credit report by the Department of Veterans Affairs starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the Depart of Veterans Affairs to remove the items from my credit report but both the reporting agency and the VA failed to remove it. I was pulling GI Bill benefits from the VA to go to school and then graduated in XX/XX/XXXX with no correspondence from the VA in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling VA benefits once I graduated. My contact information with the school had been updated immediately and since the VA was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the VA would remove it from my credit report. The VA nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the VA remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the VA for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the VA and money being taken away from my pay checks. I believe the VA did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The VA is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of XXXX  remove this from my credit report. Thank you very much, for the third time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Mortgage

Complaint I refinanced a rental house with Ameris Bank in XXXX of XXXX. My house was insured with XXXX. The last payment XXXX received was XX/XX/XXXX from me. XXXX XXXX sent all my information to Ameris Bank in XXXX when I refinanced the house. When XXXX got no response from Ameris, they started sending me bills. 
I contacted Ameris Bank : XXXX XXXX XXXX XXXX, Branch Manager, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX ( D ) XXXX | ( C ) XXXX On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Ameris Bank Investor Sales Coordinator II XXXX XXXX XXXX XXXX XXXX, GA XXXX ( D ) XXXX | ( O ) XXXX XXXX On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Ameris Bank Customer Service XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX On : XX/XX/XXXX Ameris Bank Mortgage Services Insurance Department XXXX XXXX XXXX Texas XXXX XXXX On : ( Phone records dont go back far enough ) XX/XX/XXXX thru XX/XX/XXXX talked once XX/XX/XXXX I spoke twice with a lady that talked rapidly with a very thick XXXX accent. Each time I asked for the insurance department, I was transferred to her. 

I also contacted my local insurance agent to make sure my bills were escrowed. XXXX never received payment from Amerisand now my insurance is canceled. Travelers wont reinstate my insurance because the bank ignored them. I was told by Ameris in Texas the past due amount was paid and they gave me the check number. I wish I had not used Ameris Bank to refinance my house.

Ameris told me that the past due premium was paid to XXXX. On XX/XX/XXXX, I emailed Ameris and said I expected the bank to pay any late fees and to call me and my insurance company. XXXX XXXX emailed me and said it was overnighted. No calls were made and on XX/XX/XXXX, I received an email from XXXX XXXX in XXXX with the check number saying it paid the past due insurance premium. The lady in Texas told me when I talked to her mid- XXXX, since the check was mailed right before XXXX, it was slow reaching XXXX. When I checked my statement, it was labeled a disbursement and taken out of my escrow account. 
I have a record of emails dating back to XXXX. 
My local XXXX agent is drawing up another quote with another company. The new insurance company has been promptly paid a year in advance, however the premium is {$51.00} higher than XXXX. It is not my fault my insurance was canceled and I shouldnt have to pay the difference out of my escrow account. My local bank representative in XXXX, XXXX XXXX, has been forwarding all my emails to XXXX. He appears to be clueless as to the mishandling of my money. 
This nightmare is not my fault.
Product: Debt collection

On XX/XX/XXXX I attempted to use my debit card to make a purchase and it was declined. At that time to my knowledge I still had funds in my bank account. I returned home and called my bank and was told that a lien in the amount of {$1800.00} was placed on my bank account. This was a huge surprise to me as I had no prior notification that this action was being made. After doing some investigating I found out a few new pieces of information. An apartment complex that I had lived in previously was trying to charge me and my girlfriend for miscellaneous things such as carpet replacement and cleaning service ( which we did not ask for ) prior to us moving out. These items totaling {$1400.00}. We tried on numerous occasions to get an explanation for these charges and were never contacted back. I had to get the invoice from the debt collector on the day I discovered the lien. I would have been more than happy to go to court and fight these charges or at least come to some sort of arrangement but neither myself nor my girlfriend received a summons to court. I looked online on the day the lien was placed and discovered our court date was XX/XX/XXXX. We were told that our summons were mailed to her grandmother 's address and taped to her door. Her grandmother never received anything taped to her door. I have spoken with the collection agency on 3 occasions and was met with impoliteness and large lack of empathy. I was given an offer on the day I discovered the lien to pay {$500.00} and they would remove the lien and set up a payment plan and they gave me 2 days to make a decision or the offer was no longer valid. They made this offer after seizing my bank account and all of my funds. The 2 occasions after in which I have spoken with them I have been told the lien will stay unless it is paid in full. I was never properly notified of a court date or a lien being placed on my bank account and I find this to be severely unfair. In fact, the collection agency sent only 2 documents in the mail, postmarked for XX/XX/XXXX, notifying me of the debt, but they seized my bank account on XX/XX/XXXX. As you will see in the images attached, a notice and delinquent notice were postmarked and sent on the same day but dated one day apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is XXXX XXXX I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I am currently XXXX, & was looking for a room to rent. XXXX texted me & told me that she was in an internship in New York, so her grandfather would be handling the key situation for her, & that they had a room for rent, going for {$500.00}. I sent that, & we proceeded with the lease agreement, which I have as evidence. XXXX also told me that I had to give her {$300.00} for the security deposit, which was refundable upon me viewing the house & getting the key. I sent that. I wanted to add someone else to the lease, so she told me I had to send {$300.00} more to make up for the upgraded rent. I told her that I didnt feel safe giving up more money until I received the key, & I told her give me her grandfathers number. The grandfather, who goes by XXXX XXXX XXXX assured me that after sending the {$300.00}, he would be on his way to the property to give me the key. I sent the {$300.00} & upon waiting at the property, XXXX sent me an array of text messages, informing me that I was scammed & that its just the hustle. Now I am XXXX  & short of {$1100.00}. 

Sorry bro .... This is a scam Fake account Fake XXXX Apologies ... .. It's a hustle Throwing away all numbers and email Closing the zelle account Good luck Those are the last text messages sent to me by XXXX. I have more evidence, such as the lease, all the text messages, XXXX transactions, and the claim number I have with Bank of America. Please help me in any way possible.