23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX XXXX by XXXX All Rights Reserved
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX 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

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX CBNA : XXXX / XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX I was unknowingly being subjected to a {$19.00} monthly charge that I was deceptively enrolled into. I did not use the service at all in this time ( my only logon was today when I searched for how to cancel my account ). this is consistent with the deceptive behavior TransUnion has already been found responsible for : " In their advertising, TransUnion and XXXX   falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. ''
Product: Credit card

On XX/XX/XXXX I went to shop at a Kohl 's. Cashier heavily pushed a loyalty card onto me ensuring it wasn't a credit card that gave me Kohl 's cash. I started the application on the checkout terminal but told the cashier to abort it and not go through with it because it seemed strange. She turned the kiosk around and entered falsified information about me after I explicitly said I wanted to back out and sent through with the credit card approval anyway. I called Kohl 's customer service twice that day. First time the representative said it wasn't a credit card. I went back in and she said " of course it's a credit card '' and I called again saying that this account was opened fraudulently and want it closed. They ignored my request and sent the card. I sent a dispute through XXXX and my results from how I understood it were that the information I provided was accurate but they will not change it or delete this card/account of off my credit report. I should mention that absolutely no APR rate was mentioned during the whole process until I received a form about it after the cashier forced my sign up.
Product: Mortgage

Rushmore Loan Management Services recently purchased our mortgage from XXXX XXXX. Starting with last month, payment due XX/XX/2018, they have failed to record our payments for which we have canceled checks that were cashed before the due date ( for payment, cashed on XX/XX/2018 and for Escrow, cashed on XX/XX/2018 ) as of now these payments have still not been credited to our account. We called them on XX/XX/XXXX to try and resolve this payment matter we were greeted with a rude adversarial representative who could not verify any information forcing us to fax all our proof to them. They responded with a letter stating they needed 30 days to look into the matter ( this is absolutely unreasonable ). We have not received any statements for payment due XX/XX/2018, to prevent being delinquent we mailed a check for XXXX which was cashed on XX/XX/2018. Now on XX/XX/XXXX we have received a delinquent report and late charge assessment for the past two months. We have still not received any statement to pay our XXXX payment. We did not choose this company they are completely incompetent and our credit is being destroyed. I am trying to get this company to cooperate before things get out of hand and a lawsuit is the only answer.
Product: Credit reporting or other personal consumer reports

There is unauthorized inquires on my credit report that I did not authorize XXXX XXXX Inquired on XX/XX/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 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 XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

The Family Educational Rights and Privacy Act ( FERPA ), also known as the XXXX XXXX, is a US federal law that protects the privacy of student education records. It was enacted in 1974 and has been amended seven times since. FERPA grants parents and students certain rights regarding education records, including the right to review and confirm their accuracy. My information was compromise by a third-party. Did I not agree to nor have my permission for information that do not contain
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX  {$8500.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to fix my credit and I started working with this company, which assists and helps in taking away false/inaccurate credit reports. After I reported these accounts as inaccurate since I did not do any medical operations for this amount that they are reporting, I repeatedly called and asked them to verify the debt and send me verification as to why do I owe this money and for what procedures. They failed to do so and never sent me anything till now. 

Not only that but the company I am working with did succeed to remove the debt from my credit report, but only for a very short time and some how this collection company managed to place it back again. Shortly after I received a phone call from them and it went as follow : The representative of this collection company was extremely rude, he said " there is nothing that you will do that will take away this debt, you will not get it rid of it unless you pay us in full. Every time you will take it out of your credit report we will submit it right back and decrease your credit score more, and start counting another 7 years '' This company name is SEQUOIA FINANCIAL SVCS. I truly need your help as this is hurting me specially during this hard times, and it just feels very abusive.
Product: Credit card or prepaid card

I was alerted by a text message from Comenity regarding 4 {$0.00} charges on my card that were suspected to be fraudulent. I responded that the charges were fraudulent. I received a response that they would send a replacement card. It is now 4 days later and the fraudulent charges are still on my account. I tried to call their fraud department, however no one ever comes on the line after waiting on hold for almost an hour.
Product: Debt collection

XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.
Product: Debt collection

Hello, I received a notice from Oxygen XL attempting to collect an alleged debt on Friday XX/XX/2023. I have never done business with Oxygen XL, I have no knowledge of this alleged debt. I dispute the validity of this alleged debt. I have no contract with Oxygen XL, nor have I ever given permission or authorization for this company to house or share my personal/private information. Please remove my information from your system!
Product: Credit reporting or other personal consumer reports

I mailed a letter requesting that the personal information section on my consumer report be corrected. I specified what information needed to be corrected precisely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company MARINER FINANCE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

this report is for the private administrative process on the behalf of XXXX XXXX the XXXX report XXXX south Carolina XXXX police report XXXX
Product: Credit card or prepaid card

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLCwith no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Product: Consumer Loan

Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.
Product: Debt collection

I filed a complaint on XX/XX/23 on XXXX about a debt with XXXX XXXX XXXX. As the complaint was processing I recieved another communication through Halstead Financial. They texted me directly. XXXX is outsourcing while there is an active complaint and they are giving my contact information and not my Attorney 's information. They are still violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from TransUnion that XXXX had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called XXXX and asked them what was happening. I had now attempted to make XXXX payments, XXXX not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules. 

My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail. 

I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.
Product: Checking or savings account

I received a promotional offer to receive a {$400.00} bonus for opening a checking account with Citibank. On XX/XX/XXXX I spent over an hour on the phone opening the account with an agent. I received forms to complete in XXXX and returned them promptly ( following THEIR upload directions ) only to be notified that they were illegible on XX/XX/XXXX. I again returned their CLEARLY legible form and again received a rejection on XX/XX/XXXX, with ominous language about complying with tax rules. ( The XXXX letter stated that they enclosed a Form XXXX to be completed, but surprise ... there was nothing else in the envelope! Further incompetence. ) I called the bank 's XXXX # listed on the letter to see why they can't seem to received their own forms correctly and ask if I can deliver the form to a local branch, since it is obvious that continuing to upload using THEIR system was not working. They said yes XXXX not sure why I had to come up with THEIR solution ... ) but that the promotional period to qualify for the {$400.00} bonus had expired. REALLY? How is that possible when their system is faulty! I was told that only the branch manager would be able to extend the qualification period, but that " should be no problem, they do it all the time '' So, since my mother was funding the account for me, she went to the branch to drop off the very legible bank form, make the funding deposit, and extend the bonus offer DUE TO THEIR SYSTEM ERROR. The branch manager refused. I am not interested in banking with ANY company that can't recognize THEIR error in the process, does a bait and switch and refuses the promotional offer THEY SENT ME! 
But wait ... there's more .... now, they are CHARGING me Monthly Service Fees and Account Overdraft fees FOR AN ACCOUNT I DON'T HAVE, DON'T USE! Totaling {$110.00}
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX } has listed { negative listing } on my XXXX file. To my knowledge, I have never had account with { CHASE }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { CHASE } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this CHASE be permanently removed from my XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Checking or savings account

Company : MAJORITY Mobile Banking My account was wrongfully closed after a dispute with a security passcode. I was required to send my ID and I did. The company took extensive periods of time to deal with my case. They then closed my account without reason with around {$4300.00} in the account and is refusing to refund me. Which isn't legal as all banks must legally return funds to the depositer.
Product: Credit reporting or other personal consumer reports

several months ago, I requested that XXXX of the XXXX credit reporting agencies remove late reporting on XXXX accounts. Please see accounts attached hereto. 
The Credit reporting agencies have yet to fix this error, causing higher interest rates on loan.