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

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as Experian, XXXX, and XXXX XXXX I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint. I will be forced to get an audit report done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Credit card or prepaid card

I received a visa debit card i did not request from Usbank Reliacard. Date on letter XX/XX/2020. Cardholder services, XXXX. XXXX  XXXX, XXXX, FL XXXX Phone XXXX XXXX XXXX. 
And received a letter indicating a change of address requested. 
I have not activated the card. This is the second such card I have received this year.
Product: Debt collection

I received collection notice from Love Beal & Nixon P.C. in regards to a XXXX debt for {$5700.00}. I requested a copy of the contract, the balance sheet, and the calculation of interest. I then verified with my records and found that there was a {$600.00} discrepency. I alerted the collection lawyer on XX/XX/year> of the discrepancy and received no explanation or correction of the amount they were attempting to collect. The law office then moved forward with court proceedings for the incorrect amount. They were awarded with default. They were awarded a judgement of a principal amount of {$5700.00}, court costs and process server fees, accrued and accruing of {$300.00}, attorney fees in the amount of {$860.00} which totals {$6900.00}. Yet when they sent me another letter after the the judgement, they are now trying to collect {$7000.00}. I would constitute this as a manifest error '' and would like to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and Transunion are reporting incorrectly lates on the XXXX XXXX  partial account number XXXX. ( Please see pages 6 - 8 of the attached credit report. ) I applied for a loan modification and got behind on payments. I was then in a position to make multiple payments only to have the payments sent back to me. I was not aware that they would not accept partial payments. In the middle of trying to get the payment situation straightened out, my loan was sold without any notification to me. I was told that I would be able to make partial payments and get all payment caught up, however this was not true. Consequently, since the payments I made were not applied, I was zapped with late payments. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Product: Vehicle loan or lease

I did a traid in at XXXX in 2022 in XXXX, Ohio my payments are {$580.00} a month. They told me to come back in XXXX to XXXX months and refinance to get lower payments. I waited XXXX  months and all my payments was on time. They told me it was to soon and now I been making payments for XXXX  months and no change and I still have over XXXX years to go to pay my car off.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by experian Acct : XXXX XXXX  # XXXX And XXXXXXXX XXXX XXXX # XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer. 


Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;
Product: Debt collection

CMRE, account number  XXXX  is an ever increasing debt on my credit reports,   XXXX    AND  XXXX  I dis puted the debt with  XXXX  and it came back verified.I, in my dispute told CMRE and  XXXX  this : I had treatment at  XXXX   XXXX  After  the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time.  XXXX   XXXX   sent a letter saying not to be concerned ; that  XXXX   XXXX  had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to  XXXX  they investigated and " verified '' to  XXXX .The letter sent to me is in the files of  XXXX   XXXX   XXXX   XXXX .   I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless.  XXXX   XXXX    XXXX   XXXX  HAS A  COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.
Product: Mortgage

The end-of-draw period on my XXXX was XXXX, 2021. Wells Fargo and I renegotiated the terms of our relationship resulting in an agreement, the details of which are included in the ALTERNATE PAYMENT OPTION MODIFICATION AGREEMENT which states the following : RLO Principal Amount : XXXX Term RLO Fixed XXXX XXXX Payment Type {$93000.00} 60 months 3.625 % Interest Only. 

Please note that the Payment Type is interest only. Wells Fargo has constantly tried to hit me with fees, charges, and other costs. This is merely the continuation of a years long pattern of illegal, fraudulent, and unwarranted charges and costs ; including, but not limited to, the imposition of unnecessary and fraudulent accounts and fees. This has continued through this entire process and continues now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my consumer report i filed a dispute XX/XX/XXXX about fraudulent accounts being on my credit report jpmcb card and a XXXX XXXX card Equifax sent a correspondence XX/XX/XXXX and stated that they verified the chase card belonged to me with know proof of verification as i requested there method of verification and they never sent it to me they have my name spelled incorrectly and they also have the wrong address on file. I understand that equifax is supposed to report 100 % accurate information but it seems like they are willingly reporting inaccurate information even though there are flaws in my consumer report. I ask that equifax delete the XXXX account off of my consumer report and delete the XXXX XXXX file off of my consumer report immediately they marked the files as closed but they need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed the CEO of XXXX XXXX XXXX XXXX and I also tried reaching out to Eqiufax who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose XXXX points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by XXXX points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW
Product: Credit card or prepaid card

XXXX XXXX XXXX. the card has a promotion of a free deposited first suitcase ; the promotion is fraudulent because they charged me for my first bag. XXXX $ dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX  Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXXXXXX XXXX XXXX  Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. Account Resolution or Settlements : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Product: Credit reporting or other personal consumer reports

THIS PNC BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 
DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Product: Debt collection

I have now received XXXX letters from the Transworld Systems INC located at XXXX XXXX XXXX. XXXX, PA XXXX regarding something that I paid off 20 days ago. 

I am annoyed and frustrated that I am continuing to receive these letters even though I have confirmation from the company, XXXX, that I have paid off everything and that my remaining balance is XXXX. 

Please help me to resolve this issue. As a tax-paying citizen of the United States, I do not enjoy being harassed by companies that are preventing me from experiencing the freedom and liberty as a law-abiding citizen.
Product: Debt collection

Pioneer Capital Solutions is in violation of my privacy rights under HIPPA Law. 
I have continuously asked Pioneer Capital Solutions to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. 
This account needs to be removed from my credit file immediately
Product: Credit card or prepaid card

I have a credit card account on my profile that I have no knowledge of and I would like for it to be removed as soon as possible
Product: Student loan

I am XXXX XXXX XXXX. I provided a copy of my orders to FirstMark. I have been on XXXX XXXX since XXXX. I still make payments to FirstMark. Ive payed them over {$2000.00} in the last month. ( XXXX thru XX/XX/XXXX ) and over {$30.00}, XXXX in last two years. They improperly took me off military status and have been calling me every day for the past month. I resubmitted my orders, but they still call. They are threatening to report me to the credit bureau. A report to credit bureau compromises my security clearance and is actionable under XXXX. I need immediate assistance. I will contact my local congressman if this is not immediately addressed by CFPB.
Product: Credit card or prepaid card

On   XX/XX/XXXX ,  I applied for a USAA  Limitless Cashback Rewards Visa Signature  credit card. The application was declined, with the following reason provided :  Maximum  credit extended. I inquired to USAA if I could be approved for the card by reallocating a portion of the credit limit on an existing USAA credit card to the new one. USAA responded that it would be possible to lower the credit limit on the existing card and reapply for the new card. I agreed to have the credit limit on my existing card lowered by {$6000.00} on the condition that the application for the new card be reconsidered, so that a second hard inquiry on my credit report would not result. USAA proceeded to lower the credit limit on my existing card by {$6000.00}, but informed me that a new application would be required for the new cardwhich would result in a second hard inquiry to my credit report. I would have expected that USAA would have confirmed if a new application was required before taking the action to lower the credit limit on my existing card, and was surprised by the poor interpretation and communication about the original request. When I informed USAA that I did not want to proceed with a new application on the basis of it causing a second hard inquiry, USAA refused to reinstate the {$6000.00} credit limit on my existing card.  <P/> While I appreciate that USAA took the time to consider a rather unusual request to reallocate a portion of my existing credit limit, I made it very clear that I did not want to incur a second hard inquiry on my credit report while attempting to be approved for the new card. As Im sure USAA is aware, a hard inquiry negatively affects ones  credit score.  I did not want this exchange to leave me  with two h ard inquiries on my credit re port ( one was a lready pulled with the initial application ). Furthermore, since the basis for the decision of the initial application appears to have been made based on a USAA policy ( maximum credit extended ) rather than my creditworthiness, I see no reason for USAA to have required a second hard inquiry to reconsider the application after the reduction of the credit limit of my existing card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was notified that my Experian XXXX XXXX credit score was adversely impacted and subject to an overall rating downgrade from " Exceptional '' to " Very Good '' ; score decreased XXXX points from XXXX to XXXX. 

Upon review of my credit report, there are no factors present over the most recent reporting cycle ( approximately XXXX month ) which would have reasonably explained that downgrade in credit rating. There were no new inquiries, no new loans established, no late payments, no accounts moving out of good standing, no loans closed, no increases in balance, revolving credit utilization continues to remain at or near XXXX %, etc. ) On XX/XX/year> I contacted Experian to request information as to why my credit score and overall rating was adversely impacted. While Experian confirmed the score and overall rating was adversely impacted, they stated that they were not able to provide any information to sustain why my credit rating was impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX XXXX ( Bank ) Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a couple accounts I noticed that was reporting incorrect amounts on my credit. Ive pay off XXXX XXXX and also XXXXXXXX XXXX payments has been made.
Product: Checking or savings account

{$6000.00} was withdrawn from my account on XX/XX/XXXX - it was unauthorized - US Bank claims they withdrew this to offset payment on business Credit card from XXXX. I never signed an agreement for that card. Never approved an offset - and the debt on the card is disputed. Further more the account was open with Union Bank and converted to US Bank by acquisition so I never opened and checking account with USBank I was converted to US Bank - I signed up fior Union bank checking account and the money withdrawn was from a Union Bank account I signed up for not a US Bank account. These funds being taken from my joint account are causing financial hardship and irreparable damage to my financial reputation. 

Further I did discuss with Union Bank branch manager prior to the conversion if any of the terms of my account would change and was assured that thru XX/XX/XXXX the account would have and follow all the terms of Union Bank and my agreements with Union Bank
Product: Credit reporting or other personal consumer reports

Equifax is refusing to clear up issues on my credit report that have been resolved by payments and agreements with creditors.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : 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, 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, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While TransUnion and XXXX both show a XXXX late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX