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

XXXX*Subject : OPTING OUT OF CREDIT REPORTING FOR XXXX XXXXXXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXXXXXX XXXX on my consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXXXXXX XXXX had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request.

As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED.

Under the Consumer Financial Protection Act of 2010 ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXXXXXX XXXX MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXXXXXX XXXX  has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved. 

It is the obligation of the credit reporting agencies to uphold and abide by consumer law by removing negative items from my credit reports when advised to do so by the consumer! 
THIS IS NOT A REQUEST FOR VERIFICATION OR VALIDATION OF ALLEGED DEBT. THIS IS A DEMAND FOR THE REMOVAL OF NEGATIVE ITEMS ON CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card or prepaid card

Hello CFPB team! 

I was charged {$4.00} of interest on XX/XX/23 on a US Bank credit card bill because I did not pay off the full balance by the time the statement was due ( XX/XX/23 ). I completely accept responsibility for missing the deadline, and understand why the charged the interest. My issue is that their customer service team informed me that they charged interest on the full statement balance ( ~ {$700.00} ) rather than the amount that was unpaid ( ~ {$15.00} ), and they were unable to waive the fee. I don't think this is fair because I only carried over a balance of approximately {$15.00}, and don't understand why I should be charged interest on the portion of the statement that I already paid off.

Please let me know if I've misunderstood the situation, or if there's any additional information needed form my end.

Thanks in advance for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/2024 my California EDD benefits were load onto a Monet Network prepaid card, I attempted to transfer my {$580.00} to my external bank account. My bank account was verified and approved for transfers within my Money Network account. I checked my bank account on XX/XX/2024 expecting my funds to be available as they have been the previous two times. I realized I was locked out of my account with Money Network and was prompted to call customer service for Money Network, I was informed that suspicious active had occurred and they are closing my account, XXXX was the operator assisting me. I asked what kind of suspicious active, the operator said she didn't have access to that information. I asked to speak with the fraud department and was told I could not. I asked to speak with a supervisor and was placed on a 20 min hold then hung up on. I called back didn't get that operators name, it was a man, I was told I would receive a check in 14 days. This situation has put a financial strain on me and my living situation. Edd informed me that I had to file a complaint with Money Network since the funds was already transferred to their company. As I type this complaint I've been on hold with Money Network for 45mins. I need my money with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

EXPERIAN Complaint dated XXXX XXXX, 2016 ; Experian failed to respond to XXXX XXXX XXXX ( XXXX ) reporting FRAUD on my credit reports. Similar complaints sent to XXXX and XXXX. Both Equifax and XXXX have removed XXXX from my credit reports. 
My experience with Experian has been total abuse and refusal to investigate my complaints. And/or to reinvestigate. In that both XXXX and XXXX have taken action on reinvestigations, obviously Experian fails to see the logic of the FRAUDULENT reporting. 
XXXX has been approached and also refuses to correct or remove my report.
Product: Mortgage

The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due. 

The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every two weeks. 

I paid the additional money, but none of the money I have ever paid has been applied to my loan balance, either principal or interest. BSI Financial is lying to collect money and has never reflected that my loan balance has decreased with these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial Credit Network. I am exercising my right under the Fair Credit Reporting Act pertaining to the Accuracy and Completeness of information provided to any credit reporting agency. 
I am also exercising my rights under the Fair Debt Collection Practices Act Section 807 which pertains to False and or Misleading Representation of information being reported to the credit agencies. 
On XX/XX/XXXX I went online to the Financial Credit Network website and made a payment in full on account number XXXXXXX. The original amount owed was {$250.00} dollars, but after the company 's additional fees the total amount that I paid online ( evidenced by the receipt ) was {$370.00}. 
I updated my credit report XX/XX/XXXX only to see that Financial Credit Network is still inaccurately reporting this {$250.00} account as an unpaid collection. 
Now I am requesting that Financial Credit Network update their records and update the information with XXXX, XXXX XXXX and XXXX. 
I have already sent Financial Credit Network a certified letter with a copy of the receipt for payment in full on their Company Letter Head from there website and have yet to receive a response of any kind. 
Financial Credit Network is very quick to place and keep inaccurate information on hard working consumers accounts. Now they need to demonstrate the same speed in updating and correcting the status of their accounts with the Credit Agencies as well.

It is against state law to report incorrect statuses and balance information to the Credit Agencies
Product: Credit card or prepaid card

I was told that I owe XXXX on a kohls bill back in 2017. Tried calling to work it out. Ran into hard times and they just kept racking late fees on it every month for the past 6 years. My bill was not this high ever. All the late fees is what it isl.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX, Equifax, and XXXX for their ongoing, willful failure to comply with federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Their actions demonstrate a blatant disregard for consumer rights, as evidenced by my repeated attempts to resolve these issues through proper channels. Despite providing ample time and all necessary documentation to address the issues in my dispute, the credit bureaus have not corrected the inaccuracies on my credit report, nor have they addressed the issues in a lawful and timely manner. 

Additionally, I have attached a police report pursuant to the FCRA as part of the evidence provided. This police report further supports my claims of inaccuracies, unauthorized accounts, or fraudulent information on my credit report. Despite providing this formal evidence, the credit bureaus have continued to fail in their legal obligations under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$55000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession. 
15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act. 
15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on or about XX/XX/XXXX on XXXX and TRANSUNION. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX # XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX fails to verify the debt with real verification they think sending me a XXXX bill is verification. When in fact it is not! They are breaking the FCRA Law! They are not even a licensed collection company for the state of florida. This is illegal and it needs to be removed from my report. Also before they tell me I dont have proof of please see the screenshot I am attaching from XXXX XXXX XXXX XXXX it shows the factual proof. I am emotionally distressed as this is insanely hurting my ability to receive credit and other things in my life because they wont send the exact documentation showing they can collect in the state of florida because it does not exist and they know they are breaking the law. Addittionally they continually state for me to call them as if I am going to agree to pay them for something I do not owe them. I have never done business with this company and it is fraud for them to even have any of my information so I am putting my simple fix below. Additionally if they wan na know the violation it is Willful Violation Of Fair Credit Reporting Act Requires Knowing And Reckless Conduct. In its only decision addressing the Fair Credit Reporting Act this Term, the Supreme Court has held that in order for a violation of the FCRA to be willful, it must have been committed knowingly and recklessly. So with that stated on the previous response they clearly are committing this knowingly and recklessly. Also their is another violation in which they admitted too in the previous CFPB submittal stating that I disputed the debt but they never added the notification that the debt was disputed to all of the credit bureas which is another FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I viewed my XXXX XXXX  app on my XXXX report for Hard Inquiries and saw : XX/XX/XXXX, XXXX, XXXX XXXX XXXX. I didnot initiate a request from XXXX. On XX/XX/XXXX, I called XXXX fraud dept. and was told that XXXX XXXX XXXX XXXX is fake, and they dont show an inquiry being made about me on that date. They said they would not provide me with a letter and to contact XXXX. On XX/XX/XXXX I called XXXX and was told to make a police report for fraud.They gave me a file number, it is XXXX. Please help me. I just want this hard inquiry taken off my credit file with XXXX.
Product: Mortgage

I received an esxrow analysis that included a sewer bill that was paid already. This resulted in my monthly payment increasing by approx XXXX more a month starting in XXXX When i called in to addess the issue in end of XXXX early XXXX they gave me instructions in how to remedy the issue. Pursuant to their request i sent a copy of the bill and receipt from XXXX XXXX County aknowledging paynent had been made to 4 different contact points ( 2 fax and 2 emails ). In XXXX i followed up to see if it had been addressed and their response was no not yet and that they would send an inquiry to the tax team. On XX/XX/XXXX i called in again and was advised they refused to aknowledge the receipts and even though they have not paid the sewer bill invoice yet that i needed to file a dispute or just pay the new mortgage payment. At that point i advised that until they acknowledge my prior efforts to remedy the issue i would not be making payment i called back today and their escalation team took the call and advised they would remove the sewer bill and re run the escrow analysis which would take up to 10 days and result in the payment being late by 4 days at a minimum. 

The treatment i received up the last contact was that of a common criminal when i never missed a mortgage payment. And after coutless hours ( at least 6 ) spent trying to be a responsible borrower i have yet to get this matter addressed. I have begged as politely as possible for them to please assist me when months later my efforts have fallen on deaf ears. I have mortgage default experience from a management level and understand the process. To think i overlooked anything is preposterous. 

I beg you for assistance as it all i have left
Product: Money transfer, virtual currency, or money service

I had been a merchant on XXXX  for over 5 years and with Paypal had somehow been scammed by XXXX XXXX XXXX Scammer who defrauded my Paypal account To Negative Balance for Thousands and Thousands of Dollars. Paypal has no resolution closed my account and stole my money and now I am Out of my merchant account and they can not help me??? I think not Right for them to let Foreign Oversea Con Artist Scammer Hackers use Paypal to Defraud me of Thousands and Paypal will now try to say I owe them the money that this XXXX has stolen from Fraud that PAYPAL FACILITATED. So I want my Balance Restored to How it was Not negative. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times this year to get XXXX  and Ally Financial to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
Ally is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!
Product: Vehicle loan or lease

The car isnt worth what the company is stating the value is showing 3 times the amount car is only worth XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX value is only around XXXX the information is incorrect and should be removed from my credit report immediately
Product: Money transfer, virtual currency, or money service

I have {$11.00} balance in my XXXX  account ( XXXX  account email XXXX ). XXXX permanently limited my account so I can not withdraw this {$11.00} to my bank account, nor can I request a check. I contacted XXXX and was told my account has been permanently limited so nothing I can do to get the {$11.00} in mu account.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.