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 XXXX XXXX written , unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX 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 XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and 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 XXXX ( XXXX ) days which XXXX XXXX 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 XXXX XXXX violated the terms and conditions within their contract, because XXXX XXXX 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 XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion.

Please delete the following items :
Product: Credit card or prepaid card

I have contacted Capital One in regards to my quicksilver Mastercard where I make general purchases this company has used misleading tactics in an attempt to collect payment from the consumer when asked about when I make a payment will my utilization be updated and Im able to make purchases I was informed that I would not and my account had been closed. This company has continued to call me in regards to payment on the account but the finance charge on this account includes all charges. I have never received a disclosure of warning of account maybe closed but are still being charged interest fees and late payment fees on a closed account. 
I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by this company to neither XXXX XXXX XXXX, XXXX, XXXX ). 

Capital One did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Capital One is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I CEASE AND DESIST all communication with Capital One of all illegal activities, including reporting which constitutes collection activities. I also am exercising my rights to prevent the processing of my personal data by Capital One for the account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I asked the XXXX XXXX to remove my private information from the credit profile and t correct the inaccurate information on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to correct my address as the one they have listed as current is an old previous address. The only option available was to cross out the current address and move one of the other 2 listed previous addresses up to current and one of those was wrong and to be deleted and the other was old.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account below showing on my consumer report is not valid, I am requesting that these accounts be removed asap. I did not provide written permission or instructions for my identification to be reported to my consumer report. I am requesting that the reporting of this information be block and removed, My request to be is not being made in error nor is my request to block being made on a material of a misrepresentation of fact by me relevant to the request to block related to any transaction by me as a consumer. I never signed a XXXX form or XXXX giving permission to use my SSN, I have attached all verifible government documents to prove my identity and am hopeful the company will do the right thing and remove these accounts and inquires within 4 days from my consumer report. 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 I included ID, SSN, Affidavait and LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I want the CFPB to publish this description on consumerfinance.gov This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card offered a new card ( XX/XX/2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. 
But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX PS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts and inquires are listed. Please see the below accounts and inquires in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have challenged the correctness and truthfulness of a judgment on my credit report several times starting in XXXX 2014 and asked Experian to verify it to be correct to which Experian tells me they have veriiedy as correct ( without doing the verification ) or reflects my request as " suspicious '', or just stalls and tries to explain their process. Experian recommended that I follow up with the Clerk of Courts with any questions about the disputed judgment. I did and could n't verify its correctness. The Clerk of Courts told me that they do not report XXXX verify any information with the XXXX CRAs at any time. I followed up with Experian with a letter telling them that the Clerk of Courts did n't verify that information and questioned their integrity to which I received a letter where they try to explain the process they follow which is in direct violation of the Fair Credit Reporting Act ( FCRA ). They [ Experian ] wrote, " We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed ... '' My issues with this are as follows. 
1. The FCRA is extremely clear about WHO is required to verify the information published on a consumer 's credit report and it is n't a XXXX party vendor that has NO first-hand knowledge of the item. XXXX 's XXXX XXXX XXXX XXXX. Defines " Verification '' as " Confirmation of the corretness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. They ( Experian ) have to have documents that support their claim that they verified the accuracy of the disputed item. It 's the business record ( the documents ) that consitutes the accuracy, not the testimony of a XXXX party witness referring to the documents. In other words, they EXPERIAN are willfully disregarding the law and illegally reporting hearsay on my credit report. 
2. FCRA section 611 Procedure in case of disputed accuracy says that if they [ Experian ] can not verify - they [ Experian ] SHALL delete that item of information from the file. 

They have not verified the information as correct according to the law and since this dispute is well over 30 days, Experian SHALL delete that item from my credit report forthwith. 

The Federal Trade Commission has recognized that the CRAs are publishing inaccurate information on consumer 's credit reports. Please refer to the attached opinion letter written by an attorney from the FTC Re : Section 603 ( d ) & ( f ) of the Fair Credit Reporting Act. Endnote # 1 - " it is important for the consumer to know that inaccurate information IS being disseminated by a CRA ''.
Product: Debt collection

XXXX XXXX XXXX. Subject : CREDIT MANGEMENT LP Opt-Out Request for Sale or Sharing of Personal Information Dear. CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take down these inquiries. I have no information about them, and the company made them without my consent.
Product: Payday loan, title loan, or personal loan

My bank TD is n't reporting my updated bank balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( disputed by experian ) Original creditor XXXX XXXX XXXX XXXX 
Balance {$620.00} Balance updated XX/XX/year> Total balance : {$280.00} ( disputed by Experian ) XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$280.00} XXXX XXXX XXXX  ( disputed by experian ) Balance - Balance updated All balances is inaccurate. 
No changes was made balances was changed to this year! Witch is fasle
Product: Credit card

Summary : An unauthorized charge for {$200.00} posted to my account on XXXX. I immediately disputed the charge via telephone and requested a security close on my account. After investigating, Citi reversed the temporary credit and said I was responsible for the charge. However, the charge copy provided by Citi clearly shows that the charge was not made by me, nor were the goods shipped to my address. 

Disputed charge details : XXXX/XXXX/2016 {$200.00} XXXX Detailed narrative : On or about XXXX, I noticed XXXX pending charges on my Costco Citi Visa account . The charges were for XXXX ( detailed above ) and also for " XXXX XXXX ''. Neither I nor my wife ( the only other authorized cardholder ) recognized either merchant. 

Suspecting fraudulent activity, I called Citi at XXXX and requested a security close of my card. At that time, I also said I believed both charges were fraudulent. The CSR said it was not possible to remove the charges because they were pending and not yet posted. 
A day or so later, both charges were posted to my account. I called Citi again at the same number. The CSR said that the charges should have been flagged as fraudulent during my first call, but had not. She then said she had probably flagged them as fraudulent in the system. 

I received my replacement card with a new account number and activated it on XXXX. 
On XXXX, I received an electronic notification from Citi with additional details about the XXXX charge. I called Citi to determine if I needed to send the letter in or not, and was transferred to the Security Department. I was told that the XXXX charge was not properly flagged in the system as fraudulent but the CSR was not sure if I needed to send the letter in or not. The CSR said she marked the charge as fraud. 

About an hour later Citi called me back and said I did need to send the letter in. I checked the box that indicated that I was disputing the charge as fraudulent, signed the form, and then mailed it to the address on the notice ( Citi Cards, XXXX, MO XXXX ). 

On XXXX, I received a letter from Citi that said " Based on the information available, we have closed our investigation and reversed our credit. If you did not make or authorize this charge ( s ), please sign the following statement ... '' I signed a copy of the letter and sent it to Citi using the same address as before. This letter was sent via Certified Mail. 

The XXXX letter also included the charge copy for the disputed transaction. According to the charge copy, the purchaser 's name is XXXX ; last name redacted XXXX ; and the shipping and billing addresses are in XXXX Illinois. 

To be very clear : I do not know XXXX ; redacted XXXX ;, nor is she an authorized cardholder. 
I do not know anyone in XXXX, IL. 
I have not ever done business with XXXX. 
Using Citi 's own documentation, this charge was clearly not made by an authorized cardholder. 
Neither I nor anyone authorized by me made this charge. 

Supplemental Information : The Citi letter sent XXXX including the charge copy are included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy chapter XXXX on my file that needs to be removed because I withdraw it.
Product: Mortgage

Nationstar Mortgage purchased my loan from XXXX XXXX and ever since the loan was taken over by them I have received numerous statements showing different amounts owed. My husband passed away XX/XX/XXXX and my XXXX was reduced by more than XXXX. I am on a fixed income and this has made it difficult to maintain all of my expenses because of the funeral expenses and I am now running XXXX payment behind on my mortgage with Nationstar. I applied for a loan modification to help bring my loan current in XX/XX/XXXX. I was denied in XXXX on the basis of not showing enough income to support a modification. When we contacted Nationstar to review the reason for denial and they stated that the underwriter based the decision on my net Social Security ( after medicare is deducted ) instead of on my gross income. When asked why I was reviewed based on net instead of gross, they stated that they review each loan differently and I could not be reviewed based on my gross income. We requested other workout options and they stated that I would have to wait XXXX months to reapply.
Product: Debt collection

When I submitted my Notice to Vacate via email, I was not informed of any impending lease termination fee, despite having resided at the property for three years. According to the Lease Agreement, termination requires completing the initial 12-month lease term and giving the Landlord thirty ( 30 ) days ' written notice before moving out. The lease provided to the collections agency was signed on XX/XX/XXXX, and my move-out date was XX/XX/XXXX. I included my forwarding address, phone number, and email in my notice to vacate. However, I never received a bill before the account was sent to collections, denying me the opportunity to dispute the charges directly with the management company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a person not a third party, and i am a victim of identity theft. this is my second request to Experian
Product: Debt collection

This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.