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

FCRA Opt-Out Request. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Original creditior : XXXX XXXX  XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : CITIBANK N.A. XXXX. XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 
XXXX ) MACYS/CITIBANK, N.A. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form. 
As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies. 

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information. 

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future. 

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

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

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX  opened XXXX account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX  collection opened XX/XX/XXXX account XXXX ) XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX these accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Mortgage

Hi, I pass a lot of days, months a year ... more than a year fighting for my house ... My roof ... I pass about maybe five processors in trying my loan modification since XXXX XXXX. Then XXXX I start a modification because my income has changed ... already I received XXXX XXXX XXXX to work. But this people started with a processor that one resign to the bank and then other that I always send email making following and calls over and over and another one and another like ghost but they dont stop the foreclosure. This is so hard for me because at same time this bank make me more sick than ever ... I understand that I can paid my house YES. But all the time FIRST BANK OF PUERTO RICO says they want the house ... yes I got another house that was currently payment. But this house in XXXX XXXX is the first one. Please a need HELP FROM YOU BECAUSE THIS IS THE WORST THING I EVER LIFE AS SAME MAKE ME SICK ... ( losing weight about 40 pounds to many things, If you need the information from doctor sure be able to should you )
Product: Credit reporting or other personal consumer reports

I am writing to follow up on an ongoing issue regarding the reporting of my payment history to the credit XXXX, Equifax and XXXX credit bureau. For over one year, despite consistently paying my bills on time, my payment history has not been accurately reflected in my credit reports or my XXXX XXXX. This discrepancy has negatively impacted my financial standing. 

I have previously submitted a complaint through the CFPB, which resulted in a temporary improvement to my XXXX XXXX XXXX score However, the underlying issue remains unresolved as my timely payments continue to go unreported.
Product: Bank account or service

I opened XXXX accounts at Wells Fargo, and deposited {$11000.00} and {$50.00}. 
WF later closed my account and the account balance shows {$0.00}. The transaction history shows it was closed due to XXXX. However, no WF employee told me when I opened my account that I needed to provide any information - or I would have submitted it the same day. 
I called the customer service number and they said they ca n't help me and go to a branch. I went to a branch and they said they could n't help me and would call back. They never did. I called WF again on the phone and they told me to go to a branch. It has been over 5 weeks, and I still can not find my {$12000.00} and can not access the funds. One person said it should have been mailed out, but did not know if it actually had, and could provide no information. 
I am still out {$12000.00} with no answers.
Product: Credit reporting or other personal consumer reports

I disputed the reporting of information on an account, and XXXX, XXXX and TransUnion responded claiming the information was verified with no supporting documentation or evidence provided. I requested the XXXX XXXX, as well as the details to who with and how they verified the information and did not receive anything from them. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of late payments on my account with XXXX XXXX  - XXXX. Specifically, the reported 30-day late payment for XX/XX/year> is inaccurate and must be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have a right to privacy.

15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open any consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

In XXXX, sent money using Zelle, the money went to XXXX XXXX detailing and not to XXXX XXXX I have requested money back from my bank, from Zelle and reported this to CFBP as well My complaint with XXXX was denied stating that " I did this '', not that someone took my funds??? which is my stipulation. XXXX has responded to XXXX that I should tale to Zelle, which is impossible and they refer back to the bank. 
the concern is to Zelle and then I plan to do one to XXXX XXXX, as chase tells me that they have my money. 
This fraud has caused undo hardship to myself, my family and the owner of XXXX XXXX detailing as he never received the money either and has been blocked from Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised and I urgently need a credit freeze from experian.com. I have called experian.com dozens of times and I have not been able to reach any customer service to help me access my account to place the credit freeze. The only option is to redirect me to the website or send me a link to their website. The problem is that I no longer can log into my account as my phone number has changed. And I can not reach anyone from the company to assist me to access my account using my new cell phone number. 

There is no way to contact an actual person for emergency customer support. I need to place an urgent credit freeze with experian.com. I have no way to do this because the company will not provide customer service to assist me to update my login information. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in regards to incorrect items in my credit report. Its has been well over 30 days and have not receive any investigation results.
Product: Debt collection

Collection Consultant, a collection agency, reported to XXXX & XXXX that I have a balance to XXXX XXXX {$80.00}. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment which was faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.
Product: Credit reporting or other personal consumer reports

Im filling out a compliant an again Experian failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. s 1681l, which mandates a resonates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.ss 55.36 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to THEIR ADVERTISEMENT. That their score is get this " THE CORRECT SCORE '' BANKS AND LENDERS USE '' they omit the rest of it all! That is banks and lenders use only the middle score of the big three agencies and they onit some use 3rd parties who have outdated and incorrect information from the big three. My current score XXXX, here 's your credit snapshot Not Boosted 628 11 Learn more Experian XXXX XX/XX/2022 even though my debt to income went down!!!! And of course immediately impacting information posted while current and positive takes months. The scam of all scams.
Product: Credit reporting or other personal consumer reports

I never XXXX  in a year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It, SHOULD BE REMOVED! It appears twice! I never put a XXXX  thing towards IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has 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

XXXX, XXXX, and Equifax have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.
Product: Credit reporting

I sent several requests for account validation and then method of validation and all I got back was a letter that the accounts were verified. They are not verified. There is no documentation to validate or verify these accounts. Experian sent me a single piece of paper 3 times. They never did an investigation and they have no evidence regarding these accounts. These accounts are wrong and Experian has done nothing to investigate or reinvestigate and they have no validation of these accounts. They are willfully being negligent regarding my rights as a consumer. These need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to thoroughly and openly investigate several misleading accounts listed below on my credit report. They have engaged in frivolous and nefarious activity in terms of re-investigating these accounts. I am hereby enlisting the help of the CFPB to hold them accountable and will be sending this complaint also to the FTC and my State Attorney General to resolve these matters expeditiously. I have sent Equifax several challenge letters some of which I attached below. All my letters are in accordance with FCRA guidelines and provide proof to enable Equifax to remove these inaccurate accounts. Sometimes Equifax vaguely " remarks '' some of these accounts without providing me with any actual proof of how they allegedly verified said accounts. This violates several federal laws and is willful violation of the FCRA. Any new or future remarks on any of these accounts will be taken as admission of wrong and liability. I have also sent several direct challenge and dispute letters to the creditors associated with these misleading accounts which I attached below. These creditors have refused to correspond directly or validate these alleged accounts and debts in accordance with the FDCPA. Equifax continues to illegally collude and communicate with these creditors who are also all in violations of my cease-and-desist letters which I sent them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud in checking my credit report I have over 47 inquires on my credit reports. I have sent information to all the credit agencies. Nothing has come off as of date. I have attached my police report on this matter.
Product: Credit reporting or other personal consumer reports

I Have Been a Victim Of Identity Theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 


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 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Trying to show on all XXXX credit bureau 's. That accounts have been satisfied with the cancellation of debt through the treasury department via 1099c documentation.
Product: Credit reporting or other personal consumer reports

Transunion conducted an investigation and refused to remove fraudulent rental collection from The XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from The XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> I am writing to formally dispute the charge-off listed on my credit report for the account referenced below. Please consider this letter as my formal request for the removal of the charge-off, as I believe it to be inaccurate, and I request that you investigate this matter under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX DISPUTED AND HAS NOT BEEN REMOVED. IDENTITY THEFT REPORTED INCCURICIES IN VARIOUS ADDRESSES ATTACHED TO MY REPORT ( S ) DIFFERENT NAMES ON MY CREDIT REPORT ( S ) CAUSING ME TO BECOME HOMELESS AND NOT BEING ABLE TO PROCURE STABLE HOUSING
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THE DISPUTED ACCOUNT REMAINS ON MY CREDIT FILE : ABILITY RECOVERY SERVI Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
COMPLAINT My complaint is this is wrong information. They have deliberately increased the balance of a student account. I have been XXXX XXXX since XXXX. I withdrew from school and the financial aid payment was returned to the Federal agency in XXXX my last payment to the school would have been in XXXX before I got sick This can easily be verified by last date of enrollment. Ability Recovery Services has added {$400.00} to the collection amt reported by the school. that should be illegal. not only that the date the account was opened is clearly incorrect XX/XX/XXXX and this is old enough to be removed immediately. I need info on how to file a lawsuit. i have asked them to verify this amount and dates of enrollment with no response. copies attached
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
Product: Checking or savings account

Hi my name is XXXX, i recieve dissability check from my deceased mother from chime, i have been with chime since XXXX would get paid early or on the date i was supposed to get my check it never showed up, now i may be getting evicted for non payment of rent cause of Chime, my money is missing and they will not give me any money at all and claims Social Security never paid me my check, i called SSA and they said they paid me even says so in my portal that they paid me and the money is not there, now i have to get a emergency check to not get kicked out at the SSA office, i will never ever go through a bank that is not FDIC insured, i am now at a physcial bank and still trying to fix this mess
Product: Payday loan, title loan, personal loan, or advance loan

I acquired a loan while on XXXX XXXX with XXXX XXXX XXXX ( XXXX XXXX  ), which was 29 %. The loan interest was never lowered while on XXXX XXXX. XXXX XXXX  stopped operations and was bought out by a new company ( I was unable to make payments, and I was never notified of the transfer of the debt until it was placed in collections by Wakefield and associates who refused to set up a payment plan ; it is on my credit report twice as XXXX and XXXX XXXX and Wakefield.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX