23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes.

Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through Form 1099-C. Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.
Product: Debt collection

In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. 

I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. 

Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. 

As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) This is a business account and should not be reported on my personal credit history XXXX ) The account was paid off and I requested the account to be shut down b/c the business is no longer operational XXXX ) The lender continued to accept payments ( de minimus ) even though the request to shut down the account was made and I was led to believe the account was no longer active XXXX ) The lender churned the account with late fees and interest charges AFTER the request to shut the account XXXX ) I paid the balance off yet AGAIN from my personal funds
Product: Mortgage

In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.
Product: Credit reporting or other personal consumer reports

The account is inaccurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions XXXX also contravene the consumer financial protection act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFBPs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the XXXX take action to ensure Equifax applies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with XXXX XXXX over their claim that ignored bills that were set to me.On XXXX XXXX I opened an account with XXXX XXXX, a woman 's clothing store. Beginning in XXXX. I began receiving numerous phone calls from XXXX XXXX which I ignored, not knowing who they were. No messages were ever left by them explaining the purpose of the calls. I then received an e-mail from XXXX asking me to call them concerning my XXXX XXXX account. Since I have no XXXX XXXX account and don't shop there I called them to let them know of their mistake. Before any conversation they demanded that I give them all my personal information including my dob, social security number, etc. When asked what the phone call was about they refused to answer until I first gave them all my personal information. With such an unprofessional approach I assumed they were identity thieves and that this was a phishing phone call. I attempted to call again with the same results. I received my first bill from the XXXX in XXXX for {$190.00}. The amount of purchase was {$53.00}. To this amount they had added numerous late fees. The disputed issue is the fact that I did not receive a bill from XXXX XXXX   until XXXX and they are claiming I was sent bills from XXXX Their communications with me all had XXXX XXXX return addresses as well as XXXX XXXX letterhead stationary. Since I have no account with them they were ignored. In XXXX an agreement was reached where I would pay half of the {$190.00}. XXXX XXXX notified all the credit companies of my delinquent payment and my credit score fell from the 800 's to the 600 's.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a XXXX citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX  to get my credit report from all three agencies. 

Equifax stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and XXXX  did not provide credit scores and had additional steps to retrieve these scores.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Violation XXXX XXXX XXXX XXXX ( a ) Congressional Findings and statement of purpose - consumer 's right of XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am hereby requesting an investigation into these items and their removal from my credit report. I understand that you will verify these items with the respective creditor. Any information that the creditor can not validate should be promptly removed. I am aware that under XXXX XXXX. Sec. XXXX ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the provided address. According to the aforementioned act, there should be no fee for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance regarding this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX  is an athorized account I need removed ASAP XXXX for Equifax & XXXX should be removed as it is for XXXX as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) XXXX asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with Equifax and XXXX stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded. 
XXXX, My XXXX  XXXX XXXX loan was removed from XXXX but is still not updated with XXXX or Equifax as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency
Product: Credit card or prepaid card

I received a large refund from one of my wedding vendors when we cancelled our wedding. Current my credit card has a credit of XXXX. I submitted a request through Chase 's message portal to ask they transfer the credit to my checking account. They have not responded. I've reached out through their support team through XXXX and they directed me to the phone number on the back of the card. I called the back of the card and the automated answering machine did not provide any options for me to speak with a rep. It stated they had high call volumes and can only assist with specific issues through telephone. My issue was not one of them. I keep getting the run around and I just want my funds deposited to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights. 

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: Credit reporting or other personal consumer reports

I have sent several letters to Experian about reporting a bankruptcy on my credit profile. To date it still remains. This is my last attempt to resolve before filing suit for the multiple violations.
Product: Money transfer, virtual currency, or money service

Phone stolen. Fraudster access personal information through the phone. This includes screenshots of identification, social security, bank info, email address, contacts, log in email, apps ( online banking with Bank of America, XXXX, XXXX XXXX ) just to name a few. In this case the fraudster XXXX all funds from all accounts with bank of america to a phone number. I immediately notified the bank of the incident and awaited them to process the claim. After 14 days of awaiting and yet no response I decided to give the bank a phone call and was told that they will not refund me my money until I obtain a local police report and a phone stolen report from my carrier. Therefore I am reaching out because I feel they are using this as an excuse because this was never stated since the beginning of the investigation. I was under the impression I was going to see my funds back into my accounts.
Product: Mortgage

I applied for a mortgage loan with Fifth Third in XXXX of XXXX. The Mortgage Originator I worked with was XXXX XXXX. My complaint is on how Mr. XXXX unethically and unprofessionally handled my application. 

I provided all the information required to underwrite my loan only to be turned down at the end. The dream house that I wanted to purchase is now at risk of being sold.. I provided him all that was needed for a pre-qualification so that I can pursue the purchase of my home. He requested that I increase my down payment to ensure approval. After listening to everything, he said I received a pre-qualification letter dated XX/XX/2020. This letter made me believe that I was able to move forward with contacting my real estate agent to finalize my purchase of the home. 

I understand banks have varying degrees of requirements. However, XXXX unprofessionally handled my file, which led to the denial of my mortgage application. During the loan process, XXXX, for some odd reason, reviewed my sister 's account and commented to I should use her funds to purchase the house instead of trying to obtain a loan through Fifth Third. He was not given permission to review my sisters account. Also, his comment made me think that he was aware of my denial before getting the final decision by underwriting. Why was I given the pre-qualification letter and why during the process did you make me feel that approval of my loan was assured. His delver of my denial was very unprofessional and predatory. 

I have additional concerns of the handling of my private information that I would like to discuss with someone. I can be contacted at XXXX
Product: Debt collection

My medical bills are paid by XXXX, Ohio XXXX, or XXXX/XXXX XXXX XXXX XXXX. 

The Revenue Group with the XXXX XXXX, Ohio telephone number XXXX calls incessantly trying to collect a debt I do not owe : XXXX XXXX, XXXX XXXX, XXXX, Ohio is who the company claims to represent. 

When " XXXX '' from The Revenue Group called earlier this morning, I explained to her that she was trying to double collect on a previously paid bill. XXXX asked me for my birthdate which I refused to submit. I did tell XXXX I would report to the Federal Trade Commission they were trying to double collect on a bill that was already paid, In the past, Ohio XXXX gave me a letter to give to XXXX XXXX and to this same or a similar debt collector regarding the issue of trying to collect from me. In that instance, the debt collection agency ignored my telling them that XXXX paid my bills, and they ignored the letter from XXXX. 

Presently, the XXXX XXXX, Ohio telephone number uses another telephone number because I do not answer. Both numbers harass by ringing incessantly on my telephone line. 

Today, I again spoke with XXXX to ascertain further information. She would not comply because I refused to give her my birthdate and information concerning my social security number. XXXX said she would send mail out to my home. I do not want mail coming to my home from The Revenue Group. 

Please, I need your assistance in getting this issue resolved.
Product: Student loan

When I graduated from college in 2008, during the recession, jobs were limited and I had XXXX dollars in student loan debt. 

Sallie Mae ( now Navient ) had then decided to raise the interest rates of my student loans from roughly an average of 5-7 % to 10-14 % on loans as large as {$22000.00}. As you can imagine, that destroyed my credit and I had to default on a few loans because I was working three jobs and paying for rent. 

Today, I stand with XXXX dollars in student loan debt, working as a XXXX  XXXX  XXXX and XXXX driver with two small  XXXX and a XXXX   who is also a XXXX. Every day we talk about how, if I had not had loans with this company, we would probably be in better financial standing today, tomorrow, and for our kids ' futures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : 1. XXXX XXXXXXXX XXXX  Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report 2. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report 3. XXXX XXXX bank Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit rXXXX XXXX XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report 5. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,
Product: Credit card or prepaid card

The website will not allow me to make payments. Every time I try I get an error alerting me that the option is n't available at this time. I first contacted Capital One in XXXX regarding this error and they had no solution except to make payments over the phone. Up until that date I had made the payment every XXXX of the month without exception. I was forced to make a payment over the phone on XXXX on the XXXX and was charged a late fee. The rep assured me the problem would be fixed soon and removed the late fee. For XXXX and XXXX I again had to make the payment over the phone because the online system is still not working. For the XXXX payment I attempted to make the payment online and was denied that service again so I went to make the payment over the phone. What Capital One failed to disclose prior to that phone call is that any payment made by phone after XXXX would not count as same day but would be posted next day and I would be subject to a late payment even though I made the payment at XXXX and was forced to do so because their online system was still broken. It is XX/XX/XXXX and they have in fact charged me a {$35.00} dollar late fee. I have attempted to contact their customer service centers multiple times but they always say there is a 3 minute wait and I end up waiting for more than 30 minutes and getting disconnected. My last 3 attempts to contact Capital One have resulted in holding 30+ minutes and getting disconnected. 

I have attached a picture of the error I receive and of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX  cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.