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

Subject : Opt-Out Request Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX XXXX XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I would like to dispute the charged off account established by Nissan Motors Inc., dated 2017. I was a co-signor and unaware of such a charge off. The vehicle company never reached out to me regarding the account whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and Trans Union. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Product: Mortgage

I got my last mortgage statement, with a significant increase in payment, from XXXX to XXXX. When I tried to inquire about this issue with Caliber Home Loan, which requires your loan number, all forms of communications, voice, on-line, do not recognize the account number, XXXX, on my mortgage statement. When I try and e-mail XXXXXXXXXXXX, found on my mortgage statement, there server refuses the e-mail. 

I seems to be no alternative other then mail, to contact this firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter XXXX it's more than 30days
Product: Credit card or prepaid card

I paid my capital one credit card on their webpage 3 days from the due date. They charged XXXX for which they state is a late fee if the bill is not paid on the due date. My concern is that the fee amount is predatory in that they did not disclose this and the amount is excessive. I requested proof that this was disclosed to me however none was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2019, I called to obtain clarification on how payments were applied to my promotional balances on my credit card. I was confused because on my 6 month promotional balances there was a specific statement on each transition which stated the following, " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' That statement is only present on the 6 month promotions ( no interest if balance is paid in full within 6 months of purchase ) and not present on 12/24 month " easy payments promotions. The agent on the phone explained that ALL minimum payments get applied to " easy payments '' promotions, despite the statement made on each 6 month promotion stating that specific promotion is charged a monthly minimum payment. Essentially, unless a consumer calls to allocate payments made in excess of the minimum payment all payments are applied to the " easy payments '' balances. The agent simply stated that everything she stated is also in the terms of agreement. 

It is deceitful practice to indicate that a minimum payment is being charged to a specific purchase when that minimum payment is NOT applied to that purchase. If it is indicated on that purchase the payment should be applied there, or that statement should indicate clearly that them minimum payment will NOT be applied to that specific purchase. Terms or not, the entire payment allocation is deceitful. Consumers are lead to believe that a 24 month " easy payments '' balance would equal low monthly payments over the course of 24 months however, that this not the case. All minimum payments are applied to the " easy payments '' an nothing is paid toward shorter term promotional balances which means a consumer will end up paying interest on those if the consumer does not closely monitor monthly statements. 

The resolution was was to close the account.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood LLC an online broker, which I've used sparingly over the years. I have no issues with depositing money through my attached bank account and I have two factor authentication for security. I have been trying since XX/XX/2021 to close this account then again XX/XX/XXXX I reached out to customer service then again XX/XX/XXXX I reached out again. Not until the XXXX of XXXX did they say they would escalate this matter. I simply wanted to close my account but they are sending me requests for copies of my social security card, my license, my bank statements. this has nothing to do with closing an account that is in good standing with NO report of fraud on it from me. I was never locked out of my account and there is zero reason for them to delay letting me transfer my cash out of their brokerage and back into my bank that is attached. If they are trying to keep XXXX I find that extremely concerning. My complaint is they won't let me close my account and for the reasons stated above I feel just in my cause to have this rectified without additional hoops and delay my transfer another month. 

I expressed to them quite vividly I do not trust them with the unnecessary information they are requesting because companies are selling consumer information to the marketing affiliates and ransomeware attacks these financial institutions seem to be victim to. It is my right to protect my identity and without fraud claims on my account and myself having full access, I should not have to provide additional details to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my Experian credit report displayed several unauthorized hard inquiries that were made by XXXX XXXX. I then reached out to XXXX Executive Office 's, disputing that the inquiries made by XXXX XXXX on my Experian credit report were unauthorized and without permissible purpose. XXXX responded, stating that XXXX had no knowledge of the inquiries that is being reported on my Experian credit report, and provided supporting documentation to that fact. Although I provided Experian with supporting documentation from XXXX, that the information Experian is displaying on my Experian credit report is inaccurate and false, Experian still displays the inquiries.
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 XXXX out of XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX to Equifax and XXXX  XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

Equifax SC : XXXX XXXX  SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.
Product: Credit reporting

I have several concerns with experian. The 1st one is, I asked for verification on several accounts on my report. I received notices saying the accounts were verified. I then asked for method of verification through a BBB complaint on XXXX XXXX. I received a response yesterday saying the case was closed but Experian provided no response. 2nd, I requested my bankruptcy to be removed based on the current Civil Case No. XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, I did not know the source of their information on those bankruptcies and due to this, Experian has also violated the Fair Credit Reporting Act ( FCRA ). I was told the information for the bankruptcy was verified on XXXX separate occassions. I didnt ask for verification in my initial request, I didnt authorize a 3rd party to obtain or furnish any of my personal information therefore the bankruptcy needs to be removed. Also, In my conversation today with Experian Consumer Affairs associate, she denied to provide me with the method of verification which I am entitled to, not for just the bankruptcy request but for the other accounts that I requested verification on. I will upload a copy of the BBB complaint later. 3rd, I have accounts that were reported late by my student loan provided which was later corrected with all XXXX credit bureaus, however, 2 weeks ago Experian reported XXXX of these accounts as being negative and not paying as agreed from XXXX. I have correspondence from the bank where this was corrected in XXXX, Experian claims they dont have this information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

I am a customer of Chase and my credit card was used for charges without my knowledge or permission. I received a call from a guy working for XXXX asking me to renew my subscription I had with them. I agreed to renew my subscription with them and my card was going to be charged for {$1.00} to get this started. I only agreed to this charge of {$1.00} for XXXX, I did not authorize this person to use my card information to make purchases at XXXX for {$850.00}, XXXX {$7500.00}, XXXX {$10.00}, XXXX {$810.00}, and another XXXX charge of {$40.00}. I only agreed to being charged for XXXX at the price of {$1.00}. I am a victim of fraud on my credit card, I want Chase to do another dispute for this and refund the money for the charges listed above. All of these charges happened between XX/XX/2022 through XX/XX/2022. I did not ask for these items, I did receive these items and I had no knowledge this was happening until I saw my statement for the month. Chase also promises in their terms and conditions that customers are not held responsible for fraud charges if they are notified within a timely manor, I did notify Chase of these fraud charges within the time frame.
Product: Debt collection

Here 's the information that i supplied the company and never received a responds. 

XXXX XXXX, Company address- XXXX XXXX XXXX, XXXX XXXX DE XXXX
Product: Debt collection

Original Creditor - XXXX  XXXX - Date of Last Payment Date to them ( as reported by them on my credit report is ( XX/XX/XXXX ) XXXX XXXX Debt Collector - Portfolio Recovery On XX/XX/XXXX I saw that my bank account with XXXX XXXX had seized the below amounts due to a Court Ordered Judgement. 

XXXX XXXX, XXXX - {$600.00} XXXX XXXX, XXXX - {$55.00} XXXX XXXX, XXXX - {$100.00} XXXX XXXX, XXXX - {$52.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - {$610.00} TOTAL : {$1500.00} I have no correspondence from this XXXX party Debt Collector regarding this account. I received a letter from my bank XXXX XXXX informing me that there was a legal hold/judgment from Portfolio Recovery on my account. 

As per Texas Law ( Section 16.004 of the Texas Civil Law Practice and Remedy code ) this company surpassed the Legal Statute of Limitations to file Suit on this Debt which is over 4 years expired. Texas Law states that once the statute of limitations has expired the Original Creditor and the 3rd Party Debt Collector lose the right to file suit for unpaid Credit Card Debt.

( Section 392.307 of the XXXX XXXX XXXX. introduced in XXXX states that any activity on a debt does not restart the clock on the statute of limitations. This Law also requires that the debt buyers provide written notice to the consumer if the limitations has expired ). I never received this notification.

Title 2, Section 1006.26 of the Code of Federal Regulations prevents Debt Collectors from Sueing or threatening to sue over time-barred debts. Debt Collectors in this code are defined in Section 1006.2 ( i ) and can include the original creditor if they are using a different name.

Therefor Portfolio Recovery unlawfully and knowingly filed suit against me to obtain this judgement.

Date of Last payment to the Original Creditor as reported by XXXX XXXX on my Credit Report, and on XXXX  XXXX file ( which Portfolio Recovery has knowledge and access to ) is XX/XX/XXXX. I was unaware That this Debt Collector had filed Suit against me. 
I also never received a letter from Portfolio Recovery providing me with a copy of their XXXX XXXX in the amount of {$10000.00}, which gives them legal rights to even Report or collect this debt. 

I am asking that your office help me to obtain full restitution from Portfolio Recovery for using the court system to unlawfully request a judgement and place a XXXX on my XXXX XXXX Bank Account. 

Portfolio Recovery missed their window of opportunity to file suit against me. Please help me gain restitution Thank you
Product: Debt collection

South West Credit syste Original creditor XXXX XXXX XXXXXXXX : {$360.00} Account XXXX XXXX XXXXXXXX Date open : XX/XX/ I wrote a letter to my credit companies XXXX, XXXX, and XXXX to dispute the false debts. No response was given.
Product: Credit reporting or other personal consumer reports

Experian has a fraudulent bill from XXXX XXXX XXXX on my credit report. I told XXXX XXXX XXXX that I no longer wanted to be a customer of XXXX because of their rate increase. They kept charging me for two more months after I told them I wanted to cancel. This is not fair and I should not have to pay {$280.00}. This is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The company responded to my initial complaint with a generic response, They ASSUMED that I was credit repair company when in fact I am a well educated individual. The company DID not even attempt to investigate my dispute. I have a right to a proper investigation per the FCRA! If I submitted a letter showing the the Bankruptcy Courts doesn't report to any of the bureaus, so how is it being reported on my credit report? I demand a investigation in this matter.
Product: Checking or savings account

On XX/XX/23 I received a surprise call from Wells Fargo Bank and I was rudely told that my accounts were being closed effective XX/XX/23 due to a Wells Fargo Bank business decision. I tried to ask questions to resolve the situation and the lady with Wells Fargo was very very rude and abrupt with me.
Product: Credit reporting or other personal consumer reports

Ive contacted experian multiple time about inaccurate information and accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per UCC Law ) have not communicated in 30 days refused to settle XXXX XXXX balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per UCC Law ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per UCC Law ) have not communicated in 30 days refused to settle
Product: Debt collection

This company is representing the original creditor XXXX this is the first documentation that I have received of this alleged debt of {$920.00} I feel that I 'm not obligated to pay this debt being that it is not mine and I have received no correspondence at all regarding it I do not know when this debt occurred or why. I am a XXXX Customer wirelessly and residential if I had outstanding debt with XXXX in any aspect I would not be able to have service with them at all.
Product: Debt collection

Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.
Product: Debt collection

A private number called me, and my ex-wife 's phone which hasn't been my number in 19 years, and left the following message : " Hello my name is XXXX XXXX bonded dispatch or operator number XXXX with the County Courier service office. Our office has been retained to deliver legal documentation to your property address. This is regarding a pending complaint being ordered and summons against a. If no contact is established today our field agents will be dispatch out to your property address and place of employment on record. It is very urgent that XXXX does contact the issuing firm today at XXXX and when calling refer to complaint case number XXXX. If no contact and samples with the issuing firm today will result as an order of non-compliance and after that it's my final attempt for delivery of the documents will be filed and recorded as a failed action to serve. Once again the phone number is XXXX. '' When I called back I got a XXXX XXXX who used more pseudo legal language and threatened to sue for an alleged debt from 2010. He threatened to go to my employer and file with the court if I didn't settle on the phone.