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

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number:XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items that are not my accounts are reporting on my Experian credit report.
Product: Credit reporting 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.

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 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: Checking or savings account

XXXX XXXX - Capital One closed my account on XX/XX/2022 without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within XXXX business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the funds that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}. On my capital one app, it states your funds are currently not available for withdrawal. Please assist
Product: Credit card or prepaid card

I sent a letter to Barclays Bank Delaware to close account XX/XX/2020, they sent bill for the next 4 Months starting in XX/XX/2020 I kept getting billed. tried to call and never could get anyone on Phone, wrote another letter. Finally I gave up, I am asking that this gets taken off my credit report because this is a blemish I should not be responsible for. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form XXXX as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listing of accounts below have violated my federal protected consumer rights to privacy and confidentiality un 15 U.S.C 1681 : 1 ) XXXX XXXX XXXX  ( XXXX ), account # XXXX XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  XXXX  XXXX, account # XXXX. 
XXXX ) XXXX account- I am not liable for a debt with XXXX. I do not have a contract with XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states ; I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I suspect Amex is selling my private information. They allow charges from an unknown merchant that pretends to be XXXX and although I dispute these charges, they post them back on the card and continue to allow the merchant charges go through although its not a merchant I do business with or have ever allowed these charges. Along with this, I get several texts and calls a day from scam merchants like the XXXX Amex is working with, Ive heard terrible things from this bank before but the fact that they wont let me dispute a charge thats clearly fraud leads me to believe they are working together. I literally just wanted to despite this charge Ive never had this merchant, they pretend to be XXXX but all my XXXX payments go through a different card and Ive not authorized this card to be used. They said theyd also waive the membership over the phone and when I tried communicating about it they said thats not true and that was one lie I was told but dont care about due to them not letting me dispute.
Product: Debt collection

This account reflects the wrong amount. The account was opened and closed within less than 1 month so how can my bill be {$690.00}. XXXX XXXX tried to over bill me for service that they never provided. This account was opened some time in 2012. It's over 6 years old.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to address the removal of certain fraudulent items from my file stemming from an alleged identity theft. However, there are still remaining ACCOUNTS that require attention. This marks my third complaint as a victim of identity theft, and I am disputing specific accounts in my file linked to this crime. The disputed accounts are unrelated to any transactions involving the acquisition of goods, services, or money authorized by me. Enclosed with this complaint is my FTC report # XXXX. Kindly proceed with the removal of these accounts from my credit file associated with the alleged identity theft : 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 Balance : {$920.00}. These accounts are unfamiliar to me. Additionally, the information provided on these accounts has already been DELETED from other bureaus, raising doubts about their accuracy and the reported payment history within my credit file.
Product: Student loan

My original student loan servicer was Nelnet. My loans were paid and XXXX took over my federal student loans in XX/XX/2023. I contacted Nelnet after checking my credit report months ago and disputed through XXXX twice now. On XX/XX/2023 and again on XX/XX/2023. On XXXX shows my total debt to be XXXX which is incorrect. Nelnet needs to submit that I no longer have any student loan balances with them which they have failed to do on both disputes to XXXX. Please help.
Product: Debt collection

I received an email communication from XXXX on XXXX XXXX, XXXX  informing me that XXXX was attempting to collect a debt on behalf of Jefferson Capital, who had purchased the debt on a XXXX account from XXXX. Upon inspecting the claim, I saw that the address for the account was XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I have never lived there and have not used XXXX at any time in the last five years. I also never received any communication about the activation of this account, nor any missing payment for this account. I believe somebody registered the account under my name, yet somehow without my email or phone number. I am not quite sure how the account was tied to me. I explained the situation over the phone to a representative at XXXX in detail and sent to the company via email another explanation. XXXX then communicated over email that they would not longer be servicing the debt. 

Jefferson Capital then contacted me via mail stating that additional information is needed for my dispute. I attempted to log into their site with the JCS reference number provided to me and last four digits of my social security number. The JCS site would not let me log into their site to continue my dispute. JCS provides the option to call their customer service line, but I work long day hours and do not have time to settle the issue over the phone during business hours. I am in effect trapped due to JCS ' inability to manage their IT systems or open their call lines at convenient hours. I am also not sure why I have to contend with two debt collectors for this debt, especially if XXXX has, after collecting information, decided they will not service the case. 

I would like to submit this complaint against both XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems. XXXX XXXX XXXX XXXX XXXX first failed to verify the identity of the person creating an account with their service, then made money selling this fraudulent account debt to Jefferson Capital Systems. Jefferson Capital Systems attempted to collect the debt through XXXX, and after XXXX dropped the case, continued to harass me about this debt.
Product: Debt collection

Information and balance incorrect. Too old to be on file. Every few yours the company will send paperwork and than change account open date to the current year. So the account will stay on my credit. Account over 10years old and should not be in credit report. Its against the law and collection items fall off after 7years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my account with Experian for XXXX XXXX  # XXXX and XXXX XXXXXXXX # XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to credit central but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will CC the attorney general and the XXXX XXXX XXXX All information om credit report should be 100 percent accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax resinserted inquiries and a address that was removed from my equifax credit report over 1 year ago. Equifax reinserted the inquiries and the address even after the data breach. Per FCRA laws equifax was supposed to inform me within 5 days of the reinsertion along with documentation that confirms why the inquiries was reinserted. I filed a dispute directly with equifax concerning the inquries and Equifax did not bother to reinvestigate. The same day I disputed the inquiries equifax sent me the same pre-ready response saying " verified ''. I filed a complaint with FTC and sent the report usps certified mail to eqiufax. The address that was removed eas : XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. That address does not even show on XXXX XXXX file. I sent equifax a copy of that a while ago. I have attached the FTC report to this complaint. This has caused me to be turned down for increases and credit with XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

after disputing a late credit card payment with Citi Bank they denied my claim and retaliated by reporting an increase the balanced owed sabotaging my credit score.

Efforts to several reps were futile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/XXXX I sent a inquiry removal letter to Equifax and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over two-months ago, while applying for a home equity loan, I learned that since I had a " derogatory/no payment/charge off/written off/loss to Hyundai '' that I was unable to obtain one. This was news to me as it was handed in and paid for in XX/XX/XXXX. I called Hyundai multiple times to speak with someone but I was advised that I would have to contact the credit bureaus. I then mailed Hyundai and the credit bureaus all of Hyundai 's documents proving that the lease was given back to them at the end of the lease. It was sent to their lease inspectors, AIM, a couple days later and shortly sold to a buyer in Virginia. At this point, it should state " Paid in full '' only. This lease was handed in, in XX/XX/XXXX and it is now XX/XX/XXXX. Hyundai 's inaccuracies in reporting have put an undue hardship and stress on me for many months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/21 a made a single purchase at a Victoria Secret Store ( Location XXXX ) with my Victoria Secret Card that purchase was for a {$130.00} I also wanted a gift card for a {$100.00} which would have bring the total to $ XXXXThe cashier tried to enter the amount the gift card portion but the purchase did the card did not work. Inadvertenly my card was charged twice for {$230.00}. I called the bank ( Commenity Bank ) that issued the credit card they will not issue a credit until they have investigated claim which can take up 90days which I was told by the customer representative. It is plain on the statement that I was charged for the same items over and over again. As a XXXX citizen I am being taken advantage of by the bank and also the store. Your help is greatly appreciated. Thanks
Product: Checking or savings account

On XXXX I deposited XXXX checks payable to my XXXX from the US Treasury in the amounts of {$63000.00}, {$63000.00}, {$36000.00}. At which time I was told they would be delayed til XX/XX/XXXX. On XX/XX/XXXX I was informed they would be holding my funds longer. Then I was notified they were closing my account and the fund would be sent out to me in form of a Cashiers check. I never received the cashiers check when I called them they said they was holding the fund for investigation and to contact the US Treasury.

I called the IRS and US Treasury and was informed the check was cashed and there was no issue on their end involving the funds and that Bank of America had received the funds and there was nothing further they could assist me with.

I have been trying to get Bank of America to release my funds and send the cashiers check.

I had already provided them the business license from the City showing the XXXX. 

I will be attaching copies of the letters I got from my last complaint, IRS Transcripts, Copies of the checks deposited.
Product: Checking or savings account

On XX/XX/2024, I received a text message and email simultaneously from my bank advising of transactions. I logged into my mobile app and blocked my debit card while waiting to be connected to a bank agent. When connected to the agent I told him all pending transactions with the exception of XXXX were unauthorized. The agent said they saw XXXX credits totaling XXXX cents XXXX cent and XXXX cent, and this is indicative that they were testing the accounts validity as once the they went through several transactions totaling {$4000.00}, were deducted from my account without my authorization.
Product: Mortgage

My husband and I completed payments and had a Chapter XXXX discharged back in 2014. Two years after the discharge we refinanced and paid off our first with XXXX XXXX XXXX and our XXXX with Third Federal, neither were included in the Chapter XXXX and they were paid in full. However in the payoff statement Third Federal included " other fees {$640.00} ''. When I called to ask what the other fees were, I was told by Third Federal that these were lawyer fees, because they had to retain a lawyer when I filed Chapter XXXX, even though their loan balance was not included in the Ch XXXX. Can they do that?
Product: Mortgage

My XX/XX/XXXX XXXX County property taxes have still not been paid. The bill was due XX/XX/XXXX, and now the past due date of XX/XX/2019 is coming soon. I have contacted Roundpoint several times to ask when my property taxes will be paid. They always refer me to the Taxes department, which never responds. 

There is plenty of money in the escrow account to pay the property taxes.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX, Whose address is XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Product: Checking or savings account

Company is illegally holding my funds. I wrote a check to myself and Capitol One is claiming its fraud. How do I commit fraud to one self? I asked for copies of documentation of this so called fraud and yet to receive the physical copies. To whom is the fraud against? I wrote a check to myself to myself? If this was fraud why did it take Capital One 6 years to act on it? If I didn't come in to say I had no access this account could of been frozen for decades. If it was fraud, why did neither bank contact me? If this is fraud I would like a copy of this fraud request from XXXX on paper to see how Capital One came to this decision. XXXX is claiming of no such request. Capital One claims the reason they have a hold on the account for 6 years is due to the fact XXXX hasn't sent a HHA letter, XXXX has no request of one from Capital One plus if it was fraud XXXX would of requested the funds back immediately. How can Capital One claim the account is abandoned? It's been active, I have been attempting to access to my account so how is it abandoned!?! What legal basis does Capital One on holding my funds? I went through bank reps, managers 3 in this same dept all claim they can't see why my account is on hold. One of which said Capital One is doing me a grave injustice. I want to see this evidence of this request or the release of my funds. This was the original complaint, Capital One didn't answer any of these questions just wrote a letter they are holding it due to an HHA. I was aware of that. I want to see the physical legal proof.
Product: Credit reporting or other personal consumer reports

Several accounts on my consumer report are linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. Following my recent communication with your organization about this issue, I am formally requesting the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial strain, as they misrepresent my credit history and obligations. If this matter is not adequately resolved, I am prepared to pursue legal action to safeguard my rights and seek a resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, such as purchasing a home and providing for my family 's needs.