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

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations and Notification of Violations Under Relevant Federal Laws I, XXXX XXXX XXXX XXXX am writing to inform you of my decision to opt-out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal as is my right per FCRA Section 15 USC 1681 ( b ).

You have repeatedly provided inaccurate information as well as my non public personal information to all credit reporting agencies which has caused substantial harm to my life by these actions.

I have proof of multiple violations of the protection provided to me as a consumer under several federal laws, including but not limited to : 15 USC 6801 ( a ) states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( I ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

15 USC 1681 ( b ) requires every financial institutionshall establish appropriate standards for the financial institutions administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I exercise these rights under the aforementioned federal laws with the aim of protecting my personal information from unauthorized access, use, and sharing.

I kindly request that you review all your past and current practices relating to the collection, storage, use, and sharing of my personal information to ensure compliance with the relevant statutory provisions.

Failure to do so may result in the violation of federal law, which could lead to serious consequences.

I expect you to promptly address any violations, including inaccuracies, and take necessary steps to rectify the situation. Furthermore, I request that you provide me with a detailed written response that outlines the actions taken to comply with the applicable laws within thirty ( 30 ) days of receiving this letter. 
I would like to continue receiving periodic statements by mail and any legally mandated communications regarding my account. 
However, any other uses or sharing of my personal financial information should cease unless explicitly authorized by me. I appreciate your immediate attention to this request and compliance with the relevant federal laws. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX  dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX  clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.
Product: Debt collection

COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX, RESURGENT CAPITAL SERVICES/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ''
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 has violated my rights. 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 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 or 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: Credit reporting or other personal consumer reports

Yes this acct reflected on my credit report as a charge off but it should be considered income because I should have received a 1099c to account for this as incomeit ithis s not debt it should be reflected as income and income should not be reported on my credit report.
Product: Debt collection

XXXX 1 ) I, XXXX XXXX XXXX, never received services from XXXX DENTAL CARE the reporting client of this collection agency. This is not my account and is not for charges I incurred. This is not my dental care provider, has never been, and will never be such. 
( 2 XXXX The patient who received care is XXXX XXXX. XXXX XXXX is an adult, not a minor child nor a dependent of mine. XXXX XXXX is covered as a member under my health insurance, but as the enrollee in the insurance, I am neither required or responsible for payments for health care service received by the family members covered under my health plan. 
( 3 ) I never signed as a guarantor of payment on the account for XXXX XXXX. This company is attaching this to me simply because I am the enrollee in the health plan. Federal law allows me to add eligible adults to my plan, but does not mandate me to be responsible for the costs incurred by those covered. * ( 4 ) I have repeatedly told the staff at the collection agency and the dental office that this is not my account ; I have provided them with the contact information for the adult patient that received treatment ; and have provided documentation that these services were not received by me and as the enrollee for the insurance, I have no responsibility to pay someone else 's bill. 
The item is being reported to the XXXX credit reporting agencies from CENTRAL CREDIT SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX reported the incorrect debt Collection amount on my credit report, and the debt is already paid.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows XXXX payment on an account that was actually paid on time. Consumer reporting agencies must report all information accurately, and this account has not been late on payments. 

I have attached a copy of my report to this complaint, highlighting the incorrect date of XX/XX/2020. I request that you investigate this account and immediately update these payments to reflect that they were paid on time, as it is reported on time with XXXX but not Experian. 

Thank you for understanding and taking the time to take action.
Product: Student loan

XXXX has been servicing my loans since 2008 or longer I 've been a XXXX since, I also have student loans through XXXX. All were and have been in good standing ( deferred ) until XXXX drop the ball and defaulted all of my student loans they were holding. According to them they were n't aware of my school attendance. I then provided documentation that I have been in school and so they began to repurchase my loans, all except XXXX of my loans. My XXXX loans. Reason being is their saying that they are no longer servicers of those XXXX loans and that XXXX are the new servicers and that navient needs to repurchase them. Even though XXXX by error defaulted them cause they were holding the XXXX loans at XXXX point but now that they defaulted they are no longer the sevicers and do n't have access to repurchase the loans. So I 'm stuck in a situation where I ca n't go to school and get financial help as a single mother of XXXX trying to better myself I do n't qualify for financial aide services etc because I have XXXX loans showing defaulted. The grantors that have the loans are harassing me for payments and threatening garnishing my wages. I ca n't afford this I 'm barely making ends meet! I 'm trying to finish school to better myself and this has become a total nightmare. I call navient they say they ca n't repurchase cause they were n't the ones who defaulted the loans blas blas. I just need my loans repurchased! I do n't care who repurchases them. I 'm stuck in the middle of this nightmare XXXX made by error. And they do acknowledge it was an error but ca n't seem to help fix it! Can someone please help me? This is n't right. And if I ca n't attend school next semester due to these default loans on my account then it will only make matters worse cause then all my other differed loans will come out of deferment because I 'm not attending school, but how can I attend when I do n't have money to pay out of pocket and government wo n't fund my schooling with defaults on my record!?!!! Ive contacted the OMBUDSMAN for help as their looking into the matter as well, but now the grantors are garnishing my wages and Im sitting here in tears and stressed out trying to figure out how will I be able to provide for my children and keep our home with my checks being garnished by XXXX grantors XXXX and TG. This is wrong I hope I can sue for this hardship and stress these companies and lenders have brought to me by error and nobody seems to be able to help much and or fast enough so I have to sit here and suffer. This is so wrong!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Product: Debt collection

Leased a vehicle in XXXX, XXXX  from VW. After becoming XXXX, I reported I wanted to turn vehicle in due to financial and military obligation. Turned vehicle in but still being charged for complete lease term which has cause a charge off but damage to credit profile and auto purchase opportunities. Called VW financing but was told account was sent to someone else for collection ( no name given ) but I would have to pay the remaining lease balance to that collection company ( whom I never heard from ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to express my profound dissatisfaction with your decision to reject my identity theft claim. It is crucial to clarify that your organization lacks the authority or legal standing to determine whether I have been a victim of identity theft. Only I, the individual directly impacted, can ascertain this fact. 
Your refusal to acknowledge my identity theft claim compels me to treat this matter with utmost seriousness. Should you persist in rejecting my claim, I will not hesitate to seek legal counsel to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such unnecessary legal action. 
The following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a double listing of the same exact account on my credit report. There is two XXXX XXXX that are reported on my Experian credit Report. They are both for the same account. Only 1 should appear on my credit not two ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with company since XXXX of 2022, company was supposed to remove late payment from credit report when account was in current. Account is current and still reporting late information.
Product: Debt collection

I'm filing this complaint to you about some stuff on my credit report that I think is wrong. It's causing me a lot of stress and it's hurting my finances. I need you to investigate these things right away. Here 's what I'm disputing : XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX and XXXX already took these off my record because they found mistakes. I don't understand how you guys still have it on there. Please take it off my file because it's not true. I know you have to investigate this within thirty days, so please do it as soon as possible. These things are hurting my finances and I need them gone.
Product: Credit card

XX/XX/XXXX Kohls/CapOne placed a negative mark on my credit report. ( See attached ) XX/XX/XXXX - Received an email from XXXX XXXX that notified me I had a negative mark on my credit. 

XX/XX/XXXX - Logged into my Kohls account and found I had a balance due on my account. 

XX/XX/XXXX - I scheduled payment in full - from my bank account as soon as possible. 

XX/XX/XXXX Balance paid in full ( from my bank account ). 

XX/XX/XXXX ( XXXX ) - I received a Robo call from Kohls on my home line ( not my cell phone ) saying to call Kohls at an XXXX number ( Repeated 4 times ), but no other information. ( See attached ) XX/XX/XXXX - I called Kohls Customer Service line, and the agent said there is no problem because I had a XXXX balance ( this is because I had already paid the bill ). I asked them why I hadnt been notified ( in any way ) that I had a balance due or that they were going to make a negative report to my credit. The customer service agent said because I was enrolled in paperless billing they dont send emails or notify customers in any way to let you know you have a balance due, that I am supposed to just must check my account on a regular basis. I had made several charges, but also returned several items, so I didnt know I had a balance on my account. I asked the agent to reverse the service charge and to reverse the negative ding on my credit. He reversed the {$40.00} service charge and said he would create a ticket and send it up the line, because I had not been notified in any way that I had a balance due or that they were going to make a negative report on my credit. 

XX/XX/XXXX - I received a letter in the mail ( dated XX/XX/XXXX ) from Kohls saying they were not going to reverse the negative report. ( See attached ) None of the following occurred prior to the negative charge on my credit. 
Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered
Product: Credit card or prepaid card

On my XX/XX/2019 statement I had a {$0.00} charge. I paid the balance by sending payment for a {$1.00} the minimum my bank would allow. This provided for a {$0.00} credit. I received my XXXX statement and the bank debited my credit to make the balance {$0.00}. I called and they refused to reverse the wipe of my credit. I am owed {$0.00}. 

Funny how they wouldn't waive it when I owed them {$0.00}.
Product: Credit card

Subject : Request to Remove Incorrect Interest Charge and intentionally misallocated payments despite customer request I made three charges with Care Credit : {$1900.00} on XX/XX/XXXX, {$150.00} XX/XX/XXXX, and {$750.00} on XX/XX/XXXX, totaling {$2800.00}. 

I am writing to address an additional {$28.00} in interest that was added to my account on the XX/XX/XXXX billing statement. Please remove this charge and adjust my account balance to {$0.00}. 

This issue is part of an ongoing pattern of intentionally misallocated payments despite my repeated requests for specific allocations. Since May, I have contacted Care Credit multiple timesvia phone and chat ( in XXXX, XXXX, XXXX, XXXX, and XXXX times in XXXX ) to ensure payments were properly applied. Each time, I was given inconsistent or inaccurate information and advised to wait XXXX billing cycles for adjustments. Meanwhile, I have continued to be charged interest. Their app and online statements ( they no longer send paper statements without an additional fee ) never match. As of today, they reactivated the paid off {$150.00} XX/XX/XXXX purchase and added {$26.00} of interest, ( app screenshot attached ). They converted the paid off charge of {$750.00} from paid off to a regular transaction, zeroed out the initial purchase amount, and have resumed charging interest ( now at {$6.00} ) They also changed the {$750.00} XX/XX/XXXX charge date to XX/XX/XXXX which is incorrect. I have asked Care Credit to allocate my payments to these two purchases on many occasions over several months but this is what continues to happen. 

To date, I have paid Care Credit {$2800.00}. I request that the {$28.00} ( reflected on my XX/XX/XXXX billing statement ) and any other pending fraudulent interest charges be removed immediately to resolve this matter.
Product: Debt collection

Never had business with such company & I never lived at the original address on file for this billing. I request this be removed off my report
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt XXXX U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!
Product: Debt collection

Creditor called once at XXXX and again at XXXX the same day which violates my consumer rights per the Fair Debt Collection Practices Act.