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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer Identification Number : XXXX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that XXXX XXXX XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I opened a secured card with Discover Card Services by depositing {$200.00} with Discover. During XXXX   XX/XX/XXXX or XXXX XX/XX/XXXXI contacted Discover and asked when would the security deposit be returned, because I wanted to increase my limit which would require additional funds deposited with Discover. I was told my account history would be reviewed after 7 billing cycles after which, my account would be converted to a regular card and my security deposit would be returned 10 days later. 
In addition, I would not be allowed to deposit addition funds to increase my limit because my account would no longer be a secured card account. At that point I decided to increase my limit by depositing the remaining funds to increase my limit to the {$2500.00} maximum. In XX/XX/XXXX, I had not received my security deposit which should have been returned over 30 days prior. I contacted Discover and was told that a review was done and my card was not converted and would be reviewed every month until it is. I was also told that I had a 30 day late on my account which was the reason the account was not converted. I had never had a 30 day late. 

I contacted Discover today after nearly a year ; and I was told that my account has not converted over as of yet and it would continued to be reviewed. At this point I feel Discover baited  me into depositing funds into a security account and being given a time frame to return those funds ; now that time frame is to the discretion of Discover and no one can tell me when that will be. So instead of actually utilizing my funds as collateral for a predetermined time frame, 6 months, which is reasonable, I am being forced to essentially pay Discover monthly interest for borrowing my own funds, which they have control over..
Product: Checking or savings account

Capital One 360 has an issue with debiting purchase. My checking account is being debited this week for charges made last week that were paid for from my account. This has resulted in overdrawn account. I researched and found Capital One has had this issue in the past, has not been corrected. I am a person with XXXX, on fixed budget. This bank is getting paid twice and overdrawing accounts.
Product: Debt collection

Today I received mail from the law firm Mullooly, Jeffrey, Rooney & Flynn XXXX ( MJRF ) that violates the FDCPA. 

I would refer you to 804 ( 5 ) : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I'm attaching a copy of two envelopes from correspondance I received from MJRF. 

You'll notice the return address clearly shows it is from " The Law Offices of Mullooly, Jeffrey, Rooney & Flynn XXXX '' This clearly advertises the fact that the communication is from a debt collector, as the office of MJRF is involved in a singular enterprise, debt collection. 

I can only assume since the return address is printed on there they violate the FDCPA with every single mail they send out.
Product: Debt collection

Formal Demand for Resolution of Unfounded Account and Credit Reporting Issues I am writing to formally address a longstanding issue regarding an account that has been inaccurately and unjustly reported to my credit profile. For several years, I have repeatedly requested information and clarification regarding this account, which I do not recognize or have any knowledge of. Based on the limited details available, it appears this account may be associated with either XXXX XXXX XXXX or XXXX. 

Despite my efforts to resolve this matter, including submitting at least XXXX disputes via XXXX and CFPB, the account continues to resurface under different collection agencies. Each time, the disputes have resulted in the account being removed from collections, only for it to reappear under a new creditor. This cycle has now reached its fifth or sixth collection agency, causing significant and irreparable harm to my creditworthiness. 

To provide context : - I had a single low-income cable account with XXXX XXXX XXXX for a few years, which was closed upon relocating. I moved from this location. Service was cancelled. It is worth noting that XXXX XXXX XXXX failed to honor its contractual obligation during our service to provide XXXX Mbps internet speed, and I do not owe the {$150.00} being claimed. They refused to service, maintain, repair or upgrade their ancient and archaic wiring which was no longer providing appropriate service. Our internet speed was slower than XXXX dial up speeds typically used from XXXX almost XXXX  years later we shouldve been receiving the XXXX MPBS as promised at date of service. 


I have no knowledge of the basis for the charge. Despite my repeated disputes and requests for information, I have not received a clear explanation or resolution. Furthermore, I have reason to believe that the date of last activity on this account has been improperly altered or restarted, further exacerbating the damage to my credit profile. 

In light of the above, I am formally demanding the following : XXXX. A detailed explanation of the basis for this charge, including supporting documentation. 
XXXX. Confirmation of the original date of last activity on the account. 
XXXX. Immediate removal of this account from my credit profile, along with appropriate compensation for the years of financial and reputational harm caused by this unresolved matter. 

If the date of last activity has been inaccurately restarted or if you are unable to provide a legitimate explanation for this charge, I insist that this account be permanently removed from my credit report and that I be compensated for the undue damage caused to my creditworthiness by the reckless actions of company XXXX. 

Please treat this matter with the urgency it requires. I expect a written response within XXXX  days, including all requested information and a plan for resolution. Failure to address this issue promptly and with transparency will leave me no choice but to escalate the matter further, including filing complaints with relevant regulatory agencies and pursuing legal action if necessary. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX ACCOUNT # - XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # - XXXX ACCOUNT NAME- XXXXXXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME-XXXX XXXX ACCOUNT NUMBER # XXXX My current address is XXXX XXXX XXXX XXXX IL XXXX all other addresses are incorrect and invalid as they are not accessible to me. All other addresses being reported is a violation of my federally protected consumer rights to privacy as well. 

VIOLATIONS 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. 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. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 
Here are the inquiries listed below. 
Account Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I opened up a credit card with Capital One. 

The first thing we noticed is when you went online to complete the account setup. It tossed an error saying OOPS we hit a snag.. please try again later. I tried a few times through the month with no help. 

In XXXX my bill was due, and I tried to pay the bill, and got an OOP we hit a snag try again later. 

I then did a payment from my bank account with XXXX to Capital one and it was returned saying it could not be processed. 

I then called Capital one, and they tried to do it over the phone, and got an error also. 

They then transferred me to the back office, and a girl took a VISA Debit payment. And transferred me to tech support. 

Tech support could not fix the issue, and opened up an escalation. 

In XXXX we had the same issue, and we escalated again. 

In XXXX same issue,. I am now 30 days behind as the girl in collections tried to set up an auto payment and also got an error and said try calling back in 24 hours. 

We then managed to get a payment processed again via the back office using a VISA Debit payment. 

But they then flagged me on my credit bureau for being 30 days late, hit me with 2 late fees and a payment processing fee of {$7.00} I then called to complain saying that, its not my fault you guys can not set up auto pay, I can not pay via my bank account and you then need to go to back office to do a one time payment. 

She said we can not credit you back as you do have the option of calling and getting escalated to have a one time payment done. 

My argument is, I should not need to spend 3 hours a month on hold then transferred around for another hour just to be able to pay my credit card. 

They wont fix the report to credit nor credit me back the late fee, nor the processing fee. 

Once again I was escalated to tech support who could not fix the issue. 

A quick search online shows numerous people complaining about the same problem, they try and pay and get oops we hit a snag. 

Screen Shot 1 says I am 2 months behind.. No I am one month behind as they can't process the payment but want the next payment in Advance. 

Screen shot 2 is trying to make a payment Screen shot 3 is the error we get when trying to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on different dates and I noticed all unauthorized inquirys had been made. and already contacted all the banks and bureaus the only inquiry 's that is suppose to be on my report is XXXX XXXX XXXX. I 'm trying to shop for a car and im denied by banks cause of inquiry 's and i hav n't even made inquiry 's since my first car. only things that should be on my report are All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I contacted all the banks, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. they made an investigation and said i made the inquiry but i did NOT sign for these inquiry 's. i think i gave my social out to a scammer to a fake site that i thought is real. I already completed disputes with TransUnion. I had sent letters to the banks to send transunion a letter to remove unauthorized inquiry 's and i did not get a response back after that. 

I request that you remove all my inquiry 's on my credit report EXCEPT XXXX XXXX XXXX. once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address XXXX XXXX XXXX XXXX, XXXX XXXX If you find the inquiry referenced above to be valid WITH MY SIGNATURE, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. If my inquires do not get removed i will be taking this to a higher level of the bureau to the United States Government Consumer Financial protection bureau within 10 days i will continue to send letters to everyone i possibly can until this is resolved as well as i will get a lawyer to keep sending letters. 

Remove all unauthorized inquiries on my credit report. or i will keep lettering out to everyone continously. This is very hard on me when im trying to shop for a car with 6 people in my family that are all XXXX and i shouldnt have to go through all this on stuff i did not pull. everytime i send letters i call transunion back and the dispute process is told to me same way after i tried there process many many times. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters asking them to remove, these unverified and inaccurate accounts of my credit report. I sent one each month over 31 days apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, My wife and I applied to refinance our existing loan through Key Bank on XX/XX/XXXX. Our home was originally appraised at over XXXX XXXX on or around XXXX. The current loan was around $ XXXX when our application was taken. Our home address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The appraisal value done by XXXX XXXX has reported a value of {$700000.00}. Initially, XXXX XXXX XXXX took our application in a secure portal, and later in our process, he needed help to show the correct income on our application. Then our loan was transferred to XXXX XXXX, and XXXX XXXX reviewed our loan process. The lender ( Key Bank ) authorized an appraiser to start our loan process, and we paid the appraisal fee. Our appraiser was XXXX XXXX XXXX, with license number XXXX. At this point, with our complaint, his license is revoked by The State of Oregon. The long story, XXXX XXXX bodged our appraisal by misrepresenting the actual value of our property, not reporting the correct square footage to the lender, and not correcting the report when he was asked to revisit the property. The Lender, Key Bank, refused to send another appriser and to make it right. They asked me to fill out a report stating the discrepancies and advising me that this was the only action that may occur. They discriminated against giving us a mortgage loan while our income and credit scores were and still are in high percentages. When our application was taken, the interest rate was on or around XXXX XXXX, while our existing loan is around XXXX XXXX. They refunded our appraiser fee and refused to give us a Mortgage loan. 

XXXX XXXX Mortgage Loan Officer NMLS # XXXX Office : XXXX Fax : XXXX Mobile : XXXX XXXX XXXX | XXXX Mortgage Assistant Vice President | Mortgage Loan Officer Office ( XXXX ) XXXX | Fax ( XXXX ) XXXX | Cell ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After lengthly back and forth communications, we were told our home did not appraise to make the loan and the lender did not initiate a qualified appraiser so we can see what the true value for the property was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX XXXX to obtain free credit report. Got it from XXXX and XXXX without trouble. As usual, Equifax wouldn't provide it. I subsequently called and talked to an Equifax representative for half an hour to no avail. Last, ended up completing their online form and mailed it with two pieces of information. That was over two months ago and have not received anything from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXXACCT WAS NEVER LATE XXXX XXXX XXXX  ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian is reporting fraudulent inquires on my credit profile. My identity was compromised when I was out of town and my wallet was stolen. My ID and credit cards were taking. The items that are on my report need to be removed because I can't get approved for future lines credit. I had sent a complaint out previous but my all my inquiries listed did not get removed from my credit profile
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of XXXX  stated that they did not provide information to Transunion and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, Transunion, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Product: Checking or savings account

Accompanying by the name of XXXX XXXX send me a check for XXXX dollar, Bank of America said that the check never cleared, I contacted the company and they said they have no idea that they send the money already, they said the money never cleared in it overdraft the account and they closed the account