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

Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It MAy Concern, Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities.

Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed. 

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. 

Thank you for your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this complaint against Target for Breach of Agreement. 

I called and spoke with a Target collection representative on XX/XX/XXXX and requested a settlement on a charged off account. We agreed to a one-time lump sum payment in the amount of {$520.00}. Target received payment by check per this agreement and drafted find out of my bank account which posted on XX/XX/XXXX. Target reported the balance on this account as removed and noted paid in full for less - charged off on my credit files at the three major credit bureaus. 

6 months later on XX/XX/XXXX, I received a refund check through the mail from Target in the amount of {$520.00}. I called and spoke to a Target collection representative. She informed me that the balance of {$520.00} was somehow reinserted but she did not elaborate on why. 

Target is now reporting a delinquent balance of {$520.00} while simultaneously reporting this account settled in full for less on my credit report even though Target drafted funds {$520.00} out of my bank account which posted on XX/XX/XXXX. This is inaccurate and a violation of the Fair Credit Reporting Act. 

I am requesting Target to expunge this account from my files at the three major credit reporting agencies for inaccuracy or explain what is your purpose of sending me a refund check?
Product: Payday loan

A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!
Product: Credit card or prepaid card

I was charged over XXXX for a purchase I never made. I spoke with them, but we didn't resolve the issue. There are so many additional fees that I was never aware of before, I just want card closed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX  Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I am writing to request a discharge of all student loans held and serviced by Navient due to the deceptive practices, misrepresentation and failure to provide proper guidance regarding my loan repayment options by Navient. The company did not provide me with the proper guidance but instead steered me away from repayment plans that would assist me in making affordable and loan forgiveness eligible payments, repeatedly encouraging me to enter into deferment or forbearance. As a result, I have experienced years of financial strain, I have struggled to meet my financial obligations and my loan balance have balloon based on capitalized interest. 

I believe I am entitled to a discharge of all related debts fully, I am asking that all related debts be discharged as these deceptive practices perpetuated by Navient have caused significant mental distress, long-term and unjust financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

my bankruptcy was discharged in XXXX i think i still have inquiries on my report previous that is affecting my ability to open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/22 I went to Kohls to shop for clothes for my daughter. Once I was finish shopping the cashier offered my a Kohls credit card. I told her no I dont need need another credit card I will just pay. She stated it was a soft inquiry and it will not affect my credit. I asked her multiple times would it effect my credit and she stated no it would not I can look at the door where they advertise that its a soft credit pull. They she stated if I do it I would get 35 % off my purchase today. So why not if its not going to hurt my credit and Im getting 35 % off my bill. So I asked her again to make sure and she said no it will not and she will show me the ad once she was done then I said okay. She said once Im approve because kohls is a private company thats why they can do a soft credit pull without affecting a customers score. I knew that sounded weird. She told me I was approve and I told her I do not wish to use the card because I was just going to pay for it. She cHarged the card anyways. And I went to ask her again will this affect my score and she stated again no it will not affect my score and she took me yo the door where they advertise pre-qualification is a soft credit pull and she went to tell me that the sign was misleading and it dont affect my score because I was approved. Another employee came over and I asked her was a hard inquiry done and she stated she did not know. So I left the store and it just did not sit well with my so I drove to the other side of the store and asked for a manager. I asked the manager once she came do a kohls credit do a hard credit pull because I asked the cashier multiple times and I told her I did not want a hard credit pull, the manager confirm that a hard credit pull was did and she was sorry and she will offer me kohls cash for my purchase that was on the credit card. That not going to help my credit that you pull without my permission because I asked multiple times if it was a soft because they do not affect your score and she said it was nothing she could do for me. She told me to call Kohls credit and tell them what happen. I think this happened before with the cashier because I told her a very small description of the cashier and she said she knew exactly who I was talking about. So I walk out empty handed with a sorry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account # XXXX opened with XXXX XXXX on XX/XX/. This account was opened in fraud, and therefore, I am not responsible for the balance of {$1000.00} associated with it. 

I have never leased anything from XXXX XXXX and have no knowledge of this account. It is clear that someone has fraudulently opened this account in my name without my consent or knowledge. I have contacted XXXX XXXX to inform them of this fraudulent activity, but they have not been helpful in resolving this matter.
Product: Credit card or prepaid card

Cash app square by XXXXXXXX XXXX Date XX/XX/XXXX Amount {$300.00} Date XX/XX/XXXX Amount {$710.00} Date XX/XX/XXXX Amount {$65.00} It is a regular routine to cash app where these amount were taking out my account and cash app square customer service never took action or even help me recovery these funds. Thy have been violated my rights and my account not safe with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADRESSES AND NAMES AND ACCOUNTS ARE WRONG
Product: Money transfers

I have a XXXX and recently two tenants used Chase Quick pay to send rent. One for {$850.00} the other for {$1300.00}. I th I then received a text from XXXX saying the money would be deposited. 
I have never received the money and it is no a month. I have been in contract with both banks and have gotten the run around. Chase says it was sent to XXXX it was sent and XXXX says they never got it, in the meantime I am out {$2200.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/2020 I sent a check to pay off the loan I had with them. I overpaid {$150.00}. I contacted the about the over payment. I was advised that I would receive a check paying me back in about 4 weeks. At 4 weeks I contacted them and was told that I would received the payment in 4 to 6 weeks. At 6 weeks I again contacted them. I was told that I should get the check on or about XXXX/XXXX/2020. On XX/XX/2020 I contacted them and was told that it had only been 5 weeks and I would get it next week. I informed them that this was the 6th week going on 7 weeks. was then told that sometimes it took 8 weeks. On XX/XX/2020 I filed a complaint with the XXXX. The reply from this business to the XXXX  was that the check was mailed out on XX/XX/2020. They said that the refund had been overlooked. On XX/XX/2020 The company informed the XXXX  that refunds were done " in batches, not on a individual basis ''. As of this date I still have not received my refund. Also the business is not registered as a finance company with the Idaho department of Finance. Which means I have filled a complain with the Idaho Attorney General 's office consumer protection division.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Starting In XXXX - Contacted XXXX XXXX concerning deceased mothers Traditional IRA . Informed them I was the executor of the estate and a beneficiary. They said a life services advisor would reach out to me. Never did. 
-Second call-XXXX  Informed me that I needed to contact other two beneficiaries concerning account. Pulled them onto 3 way. Gave all information. Then was told the account was frozen. Given my life services email. 
-Emailed XXXX XXXX XXXX waited another week then told the account was no longer frozen. 
- Called and emailed XXXXno response again- Waited another 3 hours ( over 18 hours at this point ) spoke to another customer service representative. This representative states he didnt have any information from the beneficiaries despite the call with XXXX XXXX Call lost - Next day- another 3 hour wait- spoke to someone again, we all gave him information. Stocks liquidated. 
- Email sent to XXXX again- distribution forms sent. 
-Early XXXX- forms filled out and faxed to XXXX and to company by all 3 beneficiaries. 
- XXXX XXXX called again- well over 80 hours of wait time : XXXX Forms  said to have been filled out wrong, one missing state tax despite copy that was sent with proof had state tax information. One last stock had to be liquidated. 
-XXXX  XXXX call made again- told all forms were there and correct that checks will be dispersed XX/XX/XXXX. 
- XXXX XXXX Call placed again. Told distribution center denied checks. Could not give a reason why and stated a supervisor would reach out the next day. No calls/emails/ or return emails have been made. 
- Spoke to XXXX stated he could not discuss account nor would he give me supervisor number
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem Am having with Experian is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. These accounts have been on my credit report for 7 years and needs to be deleted right now because its violating my consumers rights
Product: Credit card or prepaid card

On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me. 

On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months. 

There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal. 

Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds. 

XXXX XXXX Discover Card number ending XXXX
Product: Money transfer, virtual currency, or money service

My wife was scammed via XXXX l. Number was spoofed and she was manipulated to send money via XXXX  I believe PNC should of had more security measures and not allow the account to be wiped out. I lost XXXX XXXX dollars in a matter of 24-48 hrs. I called to notify PNC on XX/XX/XXXX first representative did not do my dispute/ claim and told me to call back tomorrow to a different department. I called again on XX/XX/XXXX to be told that I didn't need to be transfered to a different department and they should of been disputed the first time I called. XXXX transaction were still pending and time was not on my side PNC failed to do my dispute when I first called. PNC rep should of done my dispute when I called on XX/XX/XXXX. I called today since I have yet to receive letter on status just to be told it was declined.
Product: Credit reporting or other personal consumer reports

The following accounts on my credit report are not mine : XXXX. XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$260.00} XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX. XXXX XXXX {$750.00} XXXX. XXXX {$990.00} I have reported them to Federal Trade commission identity theft report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and have noticed some accounts that i did not authorized. I've provided the documents required by the FTC to have these accounts removed immediately.
Product: Mortgage

I am a single mom with XXXX children who is no longer with the co-borrower which makes it just my income. I recently had XXXX XXXX and have been without work. Short term XXXX is not an option because I must be out at least XXXX months to qualify. I have spoken with different representatives and supervisors who provide conflicting information & they never have the same response. I'm currently waiting on something through loancare to be worked & someone to supposedly reach out to me according to a supervisor/escalation team member name XXXX who stated there is nothing more I need to do right now. I'm very frustrated & confused because I'm not getting the proper help I need & that I know is available to me. It's very frustrating getting conflicting information & loancare acting as if they don't want to assist. Supposedly I owe XXXX all of a sudden when it initially was XXXX when I ask how it went up like that nobody can explain this, but they are reporting it on my credit inaccurately. I am needing a solution to this matter. When I purchased this house we were told locked in XXXX years set rate, but it's constantly going up. We were never told that if insurance or taxes go up the mortgage goes up. I had to find that out when I called in & my bill started increasing.XXXX stated I have to allow underwriting time to process something. I'm still lost & confused. The customer service reps don't make things clear for customers at all.
Product: Vehicle loan or lease

In mid XXXX of XXXX, Tesla repossessed my XXXX XXXX XXXX when the pandemic lockdowns were in place since XXXX. I was told that they had not received a payment on the vehicle, which is not true. A payment was made in XXXX on this vehicle. At any rate, I told them that I would not have received any of their notices because the business office, where the invoices and notices were sent, was closed due to the lockdown. They did not care and did not want to work with me to get the vehicle back to me. In fact, when I was finally able to make a payment to get the vehicle back, they significantly raised the amount owed to get it back and I could not afford that at the time since business was shut down. That entire experience was shocking to me because I don't think the vehicle should have been repossessed at all and when I tried to make things better to get the vehicle back, the made it exceedingly difficult. It felt personal, although I know that may have been irrational to think. 
Currently, I am still dealing with Tesla Finance trying to collect a payment over {$14000.00} for the repossessed vehicle which has long since been sold to someone else. I had a conversation on XX/XX/XXXX after FINALLY getting through to a human and explained all of this to him. He ( XXXX XXXX then said that the payment would be reduced to just the amount I owed up until the vehicle was repossessed. He went in on the back end of the website and made it possible to make partial payments until I pay the new reduced balance. I made a payment of {$200.00} on the phone with this man that day! I have an image of the email he sent explaining how to make the partial payment. I explained that I likely would not be able to start making large payments until the holiday season is over due to VERY slow business in the housing industry. I told him that I would likely be able to make significant payments or even pay off the balance in late XXXX early XX/XX/XXXX when. things typically pick up again. He mentioned I would still get notices until I pay the balance. I was ok with that. 
A few days later I received an email from some other person asking why I paid only {$200.00} and reiterating that I still owe $ XXXX on the account. I emailed and told him that the balance was adjusted by an associate of his and that the {$200.00} was accepted and I even paid it while I was on the phone with his associate. Then I received another email from yet ANOTHER person replying that they do not do payment plans and that I still owed $ XXXX on the account! I was infuriated! After spending so much time on the phone explaining things and then making a payment with a TESLA finance person on the phone with me. To have others email me and tell me that it doesn't matter is frustrating! They have also had some people from another company emailing me notices about this account asking for payment as well! ( Please see attached ) Its ridiculous! They have VERY bad customer service and no internal communication and it's causing distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Acct # XXXX. Opened XX/XX/2013 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.