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

It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, Experian, XXXX, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts. 
2. I do not authorize you to disclose account payment amounts. 
3. I do not authorize you to disclose instalment amounts or terms. 
4. I do not authorize you to disclose credit limits. 
5. I do not authorize you to disclose credit purchases. 
6. I do not authorize the reporting of my payment history in $ amounts. 
7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to Experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I have asked to validate the reports on multiple file from the original creditor and asked that they remove it because I didn't give consent.
Product: Credit card

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had one of my two XXXX student loans forgiven. I currently owe {$3100.00}. The {$220000.00} loan was forgiven. After many months and many calls, XXXX finally removed the balance from my credit reports. This took countless calls and many, many hours on hold. Without warning, XXXX re-reported the balance a second time many months later. It took many calls, hours on hold, and disputes to get it removed a second time from the credit reports. In the meanwhile, I was denied housing and suffered unfair hardships from having this incorrect information on my credit reports. After months of work, I finally got it removed a second time. Now, many months later again, XXXX has reported the incorrect balance on my reports a THIRD time. XXXX agrees that I just owe {$3100.00}, yet keeps reporting a false balance that is doing me great harm. I feel harassed by XXXX and feel that this is more than a simple error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and my personal information has been compromised, leading to unauthorized accounts and inquiries being associated with my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Mortgage

I was contacted by the mortgage servicing company regarding whether I had experienced any financial hardship due to COVID-19. Since I loss approximately {$40000.00} due to COVID, I inform them of that issue. After discussing it with them on the telephone, they sent me a letter date XX/XX/XXXX stating that I was " Approved for a Forbearance and Deferral Plan ''. On three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they sent me letters stating that my forbearance plan was being extended. I also talked to their agent, via telephone, on each occasion. The agent informed me that the deferred payments could be moved to the end of the loan and/or the loan could be modified -- which could include a lowering of the interest rate on my mortgage loan. I was also told, over the phone and in writing, that " we will cease any negative reporting to the credit bureaus ''. That turned out not to be true -- the mortgage service company reported, to all three credit bureaus, my mortgage as in default. The mortgage servicing company has now completely ruined my " good credit standing ''. Keeping in mind, I had not missed any mortgage payments prior to the forbearance plan being implemented -- -and, I have had this mortgage for 16 years. At the conclusion of the forbearance plan, I talked to the mortgage service company 's agent and told her that I could resume paying my mortgage again, as before, beginning XX/XX/XXXX. I was told that was fine, however, I needed to make three ( 3 ) consecutive payments before the forbearance balance would be added to the back of the loan, and/or before I would be eligible for an interest rate reduction [ mortgage modification ]. Accordingly, I made my standard XXXX mortgage payment. However, when I made my XXXX payment, which we do through " Bill Pay '' with our bank, I received written notification from our bank, several days later, that the payment was rejected by our mortgage servicing company. The mortgage servicing company was now refusing to accept our mortgage payments. I called the company and I was told that I had a new " point of contact '' that would be assisting me with my various options. Upon contacting this new " point of contact '', I was informed that, although it may be difficult to make the decision to leave your home, that I was conditionally approved for the following -- - I had to immediately pay all of the back forbearance payments, or agree to a Short Sale of our home, or provide the mortgage servicing company with a Deed-in-Lieu of foreclosure. On XX/XX/XXXX, at XXXX, the mortgage servicing company, and/or the bank they represent [ XXXX ], sent someone out to our house to take pictures. They said that they were with " asset management '' and that our house was in foreclosure. 
This all appears to be some sort of scam to steal our home. I have not yet contacted a lawyer, but unfortunately, I believe we will have to incur that expense. I can't fathom how any of this can be legal. As previously stated, we have been in our home for 16 years and have always made our mortgage payments in a timely manner.
Product: Mortgage

I have tried to modify my loan currently held by Specialized Loan Servicing. I  believe this loan is a predatory loan as the interest rate is 11.3 %. It is a purchase money loan which I got before the financial crisis that occurred about 10 years ago.. I did not receive any invoices for quite a long time and was told the loan had been forgiven. I'm now told by SLS that I am in default and risk foreclosure. Between having thought the loan was forgiven, the missed payments and the exceedingly high interest rate SLS is telling me I owe them 1/3 of the amount now owed on the loan. The balance is much higher than the original loan amount and I just can not afford that kind of payment They just refuse to work with me and denied my request to modify my loan. This lender is not considering that the current interest rate on my loan is completely out of line with interest rates that have been granted in the last several years.
Product: Credit reporting or other personal consumer reports

I am requesting to dispute an account on my credit report that has not been removed despite multiple requests. The account in question is listed as STATECU account # XXXX, and it is negatively impacting my credit score. I have made several attempts to rectify this matter by contacting both the credit bureaus and the creditor responsible for reporting this information. Despite my efforts, the account remains on my credit report, which is unfair and inaccurate. 
I would like to emphasize that this account is erroneous and does not belong on my credit report. I have provided evidence to support my claim and have followed all necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing the validity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Debt collection

IQ Data international IN placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX  at the XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my right
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, XXXX, and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, and XXXX XXXX XXXX the financial institution and the Consumer reporting agencies EXPERIAN do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 crime which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S CODE 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 15 U.S CODE 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' EXPERIAN is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a lot of pre approvals. At first I didnt pay it no miming but credit karma kept sending me notifications that I was pre approved for credit cards and personal loans and that I can refinance my car. I would see these every time I would log in to see my credit score. After a few months of being told that I was pre approved I thought that I was now in the perfect place to apply. I got so many offers through credit karma that I started telling my whole family about vacations and investments that we were going to use these pre approvals for so I finally applied after I was marketed to for months. I was denied after credit karma was saying that I was pre approved. I felt deceived. I was severely stressed out. I was XXXX  for weeks I have XXXX  so bad. I became XXXX  and had XXXX  for weeks. Now when I see pre approvals I immediately close my phone and computer this has made me so sad now I dont check my credit as frequently as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.
Product: Payday loan, title loan, personal loan, or advance loan

I called check into cash on Monday XX/XX/XXXX as I thought I was my original due date and told whom I spoke with that I wasn't going to be able to make the payment as I had a recent death in the family and had alot of unexpected expenses come up that I was going to need to postpone that payment. They were supposed to make note in my file to postpone, as the due date wasn't until Monday the XXXX. They did not make the note in my file and proceeded to take the payment. Ontop of that they charged a double payment and overdrawn my account with a late fee attached. When I called they said that there was nothing that they could do as far as stopping or reversing the payment they were NOT supposed to take. When I mentioned the double posting, she said it showed on their end it was only one. 24 hours later and it's still showing a double charge. I now can not pay my internet bill to be able to home school my children.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}