23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AmRent reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( AmRent ), who claims to use XXXX XXXX as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because XXXX XXXX has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the XXXX XXXX credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing XXXX.
Product: Debt collection

CitI bank collecting for home depot. payment is due XXXX of each month. Payment is made XXXX of each month with XXXX XXXX online banking. Somehow a processing glitch occurs and account is charged a late fee of {$31.00} although payment is debited before the XXXX of the month. I have not charged anything since XX/XX/2021. Yet each month a bill is received for a late charge. Current statement shows a credit of {$28.00}. I have successfully had 2 late payments taken off and have changed the due date. Yet current statement still shows 2 late charged of {$63.00}. Spoke with a supervisor at Cit I bank last nite and he is trying to say I have a {$25.00} balance from XXXX yet it's not reflected on most current statement only late charges. I'm a senior on a fixed income who always pays on time. I'm very very frustrated with this mess. I spoke with XXXX XXXX on line customer service today XX/XX/XXXX seeking assistance but the only thing they can do is mail all monthly statements. Please help me this is affecting my credit score and my XXXX XXXX. I don't know what else to do. How can they charge a late fee on top of a late fee without a purchase balance?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owned the debt. 
This letter is to inform you that I have rights to request a validation of this debt and your ability to this money from me. I asked that prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with the promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX
Product: Checking or savings account

I opened Bank of the West ( BOTW ) checking Account in XX/XX/2019 because they had a promotion of {$250.00} in which they promised that if the customer deposits {$250.00} every first week of the month then in the month of XX/XX/2019 BOTW will provide a gift money of {$250.00}. First of all I completed all the requirements by BOTW. I did not receive the welcome bonus and on the top of that they also deducted {$10.00} from the account in XX/XX/2019. I called customer service but they were of no help. I would request the CFPB to please take required action and take a strict action against this bank. This is a fraud bank which shouldn't be functioning in America and should be immediately closed.
Product: Vehicle loan or lease

I received an email with Ally Bank , Inc promoting the Do it right Initiative. I sent an email on XX/XX/XXXX asking about the initiative and how they address loan rates with people of XXXX. Due to the nature of the message, I was told to call them. I called the customer service number, and after 45 minutes of being transferred no one was able to answer my question because they had no knowledge or access to the email system. I searched online and found a member of Leaderships email in hopes to ask about this new initiative. I was assigned a representative who gave me the runaround, which included an incorrect phone extension, and when requested and email account to a mean email. I emailed a member from the executive team again and that is when the representative fall back up.After almost a month, the representative did not answer the question about the do it right initiative, no provide any updated information regarding interest rates and people of XXXX. I was sent a letter in the mail with all of the information that I already had access to you. They put no effort into attempting to find a resolution.
Product: Debt collection

Dear Creditor, I am writing to formally dispute the information you have reported on my consumer report, which I know to be inaccurate and unverifiable. As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to ensure that my credit report is accurate and free from erroneous or unsubstantiated information. The discrepancies in your reporting violate the following : Violation of 15 U.S.C. 1681e ( Fair Credit Reporting Act ) In Pursuant to 15 U.S.C. 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual. The information you have reported is inaccurate and has not been validated properly. 

Thus, you are in violation of this statute, as the accuracy of the information has not been ensured in relation to my consumer report. 

Unauthorized Use Under 15 U.S.C. 1602 ( p ) As the cardholder, I have not benefited from any alleged debt or collection activity reported by your company, which constitutes unauthorized use as defined in 15 U.S.C. 1602 ( p ). The charges in question do not reflect any authorized transactions or obligations on my part. 

Failure to Validate Debt Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) Account- XXXX Date opened XX/XX/year> Balance {$710.00} In Pursuant to 15 U.S.C. 1692g, you are required to validate the alleged debt upon my request. You have failed to provide proper validation of the debt you are reporting, and as such, you are in violation of this federal law. Without proper validation, this debt can not and should not be reported or pursued. You have failed to provide the legally required documentation : Original Purchase Agreement including the Original Terms & Conditions, the proof of ownership of the debt going back to the original creditor, the date of first delinquency with the original creditor, and a copy of your bond required to do business in Pennsylvania.
Product: Credit reporting or other personal consumer reports

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  ( Original Creditor : 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with Equifax Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction.

FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and noticed the XXXX XXXX XXXX XXXX  information is reported differently from the consumer reporting agencies. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The last payment date, the date the account was closed, the date the account was updated, and the account payment history are all different across consumer reporting agencies ' reports. All of these errors are highlighted in the up-to-date consumer reports provided. This goes against 607 - 15 U.S.C. 1681e ( b ). Remove the XXXX XXXX XXXX  account for defying 607 - 15 U.S.C. 1681e ( b ) and inaccurate reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to review my Credit score with Experian they state there is not enough information to provide a score. They also advised they show me as deceased. They have obviously mixed my name up with my deceased fathers name. I have a good credit rating with XXXX and XXXX. They need to correct there mistakes and not bind my debts with my deceased father. I have assigned current accounts that the other XXXX credit reporting agencies have why does Experian have these problems.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX  XXXX : {$340.00}
Product: Credit reporting or other personal consumer reports

I have alot of account in my credit score what i need to delete because i dont sing any contract with any company am victim of fraud and i need all that deleted thank you
Product: Checking or savings account

Both of my accounts were permanently closed on XX/XX/, and XX/XX/, respectively. At the time of closure, there was a balance of {$15000.00} in my checking account and {$4000.00} in my savings account. These funds were not returned to me following the account closures. 

I have contacted customer service numerous times. Based on these conversations, I understand that my accounts were flagged as fraudulent. It was explained that the remaining balances were considered suspicious because they were transferred via XXXX, making it difficult for the bank to verify the legitimacy and intent of these transactions. Additionally, I was informed that some transactions were reported as fraudulent and consequently reversed to the sender. 

Upon reviewing my account 's incoming XXXX transaction history, I noted that all but seven transactions were from friends of mine so they will not be reported. The remaining seven transactions were from individuals I do not recognize. However, I am prepared to provide explanations and evidence to justify these seven transactions. 

On XX/XX/XXXX, I engaged in a currency exchange with an individual based in New York, conducted online. I transferred XXXX XXXX XXXX to him, in exchange for XXXX USD. There is a notarized translation of our chat history confirming this exchange among my supporting documents. 

Unexpectedly, I received the XXXX USD over XXXX days, XX/XX/XXXX and XX/XX/XXXX, through XXXX separate transactions from accounts with names I did not recognize. This approach initially confused me, but the individual later explained that it was due to a daily limit on outgoing XXXX transfers. Here are the details of these XXXX transactions : XX/XX/XXXX : XXXX. XXXX XXXX : {$240.00} XXXX. XXXX XXXX : {$420.00} XXXX. XXXX XXXX : {$470.00} XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} XX/XX/XXXX : XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} These transactions constitute all the funds received from unfamiliar accounts. Apart from these, I recognize every other XXXX sender. 

To further substantiate the legitimacy of the transactions, I have spent considerable time gathering notarized letters from my friends who have made significant XXXX transactions with me throughout 2023. These documents, evidencing the willingness and voluntariness of the transactions, are also included in my supporting documents.
Product: Mortgage

I was contacted by XXXX XXXX, manager of underwriting for PHH mortgage company and he left a few messages on my phone. I finally called him back on XXXX XXXX, 2016. He had asked why I had not filled out the mortgage modification form from the Making Home Affordable program which would give me 3 trial payments and then an official modification. I replied that I had received nothing and that I was not actively seeking help with my mortgage, though I needed it badly. Though I make payments to my mortgage every month, I have been consistently late paying my mortgage and my account being flagged for a modification did not seem that far of a stretch. I had many late fees but never let a month go without making a full payment. I asked him a couple of test questions that only my servicer should know and he was able to answer them. We talked and I asked him some more questions to see if he really had any information on me and that he was who he said he was. When I received the paperwork from him through company email I was convinced that he may be from PHH and actually is offering a modification. The paperwork was spot on and looked like something I would receive detailing the payments and when they are due and what to expect through the modification process. Because I was already late making the 1st mod payment the only way to backdate the 1st payment to reflect on time payments was to wire the money ( XXXX ) to his HAMP manager XXXX XXXX in Indiana. He, XXXX XXXX, informed me that I do not need to make payments to PHH and that any defaults will be cured when all the payments are made and submitted as paid on time through the modification program. ( I was tricked, however not dumb enough to stop making my payments and therefore did not default on my loan ) On XXXX XXXX, I submitted the final 2 payments early through XXXX ( recipient XXXX XXXX in South Carolina ) as well, for a total of {$2400.00}. I was supposed to make 3 payments of {$1200.00}. After all payments were made I was then informed there was a {$990.00} fee that needed to be paid for admin fees. At this point I terminated the call knowing it was a scam. No HAMP manager would ask me for money to do a modification, especially AFTER the trial payments were made. They also stole mine and my wife 's social security numbers. They sounded like they were from XXXX or some XXXX country and they masked their phone numbers to appear like they were calling from my mortgage servicer. The direct line I used to contact them was XXXX, which I believe is now disconnected as of yesterday XXXX XXXX, 2016. I have all documentation and recorded all phone conversations with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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.
Product: Checking or savings account

I'm trying to link my checking account to XXXX, so I can deposit my roundups with XXXX. My bank, PNC is not allowing it to be linked
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and concern regarding the accuracy of my personal information on file with your esteemed institution. Upon reviewing my credit report, I noticed several discrepancies that have raised doubts about the completeness and accuracy of my records. Specifically, I have discovered inconsistencies in my identification details, Social Security number, and proof of address, which I have enclosed with this letter for your perusal. I would appreciate it if you could investigate this matter and take appropriate measures to update my personal information in a timely and accurate manner. Your assistance in this regard is essential to maintain my trust and confidence in your institution. 

Incorrect Previous Address - 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