23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Discover, I am writing to formally request that you stop sharing my personal and financial information with non-affiliated third parties, as permitted under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I do not consent to the sharing of my information beyond what is legally required for account servicing and compliance purposes.

Please update your records to reflect my opt-out request and confirm in writing that my information will no longer be shared with unauthorized third parties. If my information has been shared without proper notice or consent, I request an explanation and immediate corrective action.

Thank you for your prompt attention to this matter. Please provide written confirmation of this request within 30 days. If you need any additional information, feel free to contact me at the details above. 

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

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX.
Product: Credit card

I've always paid this account on time, never allowing any payments to become overdue. I'm puzzled by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry in my credit report that I did not authorize and should be removed. 

an inquiry by SYNCB/ JCP credit card and travel/ entertainment companies on XX/XX/2021. should be removed from my account/ credit report. 

I contacted the company SYNCB/JCP to remove the inquiry but it still showing in my report
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following accounts : XXXX XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX. 
XXXX has no account information. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly removed or updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

Something has happened to Money Networks entire system customers have not been able to access their online accounts by website or mobile app going on 3 weeks now when asked if their system suffered a Cyber attack agents would not comment furthermore agents could not provide even a time frame when either of these will be fixed. Since I can not access my account online I am losing out daily on deposits I would otherwise be able to accept from their wages now service I am on a fixed income and this service gets me from paycheck to paycheck I rely on the fact I can accept daily deposits from working. Lastly I can not correctly balance my account when my only option is to call in to an automated service that only gives me my five last transactions. They don't even seem to care they're disrupting my everyday finances with something as simple as having the gas money to get to work!
Product: Consumer Loan

I have had the same issue for over 8 months. 
When you pay online it never shows as a pending payment. In XXXX I first told the office of the president and they had to credit me back for a XXXX payment. I have been dealing with XXXX XXXX and XXXX XXXX. 

Until the payment posts you receive emails indicating that the payment is due and you continue to get reminders. When you go online you can not confirm the pending payment. Customer service can not see it. You have to call the complaint department for them to see it. They tell you the same thing we will IT know. 

When you make a dispute, they call you back in a few days and then note it has been resolved even when you have not spoken to someone since the initial complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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 XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. '' XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

This item appeared on my credit report. I was never notified of this, I have no contract with this company. I am requesting copies of all transactions and verification of said account. Also, I demand a copy of the certified return receipt from the USPS with my name, address, and proof of signature. I also am requesting all proof of this company 's licensing and bonding information. I also require a copy of the original purchase agreement between them, and whoever they bought it from.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Debt collection

ID Data International- {$390.00}, XX/XX/2018 I have no clue about this debt with IQ Data International and it has damaged my credit tremendously. I have tried to contact them several times about this matter and they usually are very hasty on the phone and not willing to cooperate. I also attempted to contact several times through letters as well to validate the debt. I also sent them a copy of my identity theft report, and still they refuse to resolve this matter. I was out of the country for a few years and when I returned I realized that my Identity had been stolen.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Update the account 's information : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Transworld systems reached out to me about 2 months ago claiming I owed {$500.00} in credit card debt to the federal government but has failed to provide me with a proof of debt, they're extremely aggressive and rude, and after over a month of waiting for this letter they continually tell me it's on the way, yet it has been a month the mail does not take a month to reach my house, they refuse to take any other steps and they continually ask for money
Product: Credit reporting or other personal consumer reports

Well, I try to get a loan from the XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they would not give me a car loan. They will not give me a credit card and my XXXX XXXX is gon na arrange a XXXX to XXXX because they said theres an accuracy or information on my credit report from XXXX XXXX  same day as a outstanding balance on a repo that is a XXXX balance, then XXXX for {$1200.00} that I asked to be removed off the credit report I had a letter from XXXX XXXX to give to the XXXX XXXX to get the auto loan and they refuse to take it
Product: Debt collection

I had XXXX car insurance. Company sent me a letter they where canceling my policy because I could not obtain the last 5+ years of a prior insurance company. Once I received notice XXXX was dropping me I obtained auto insurance elsewhere. XXXX then requests proof I had coverage. I mailed it to them but it appears they overlooked it and was upset I left them. Now XXXX turns this bill over to this collection office. I am now currently in the process of filing a civil lawsuit for damages against XXXX and Credit Collection Services. Service of the suit will be received soon to both parties. Posting this to my credit reports has impacted my scores and caused damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting specific information on my report that is wrong. I have notified them of these items and they have not resolved or corrected any of them. Under the negative items, the XXXX XXXX they are repeating does n't or belong to me and is a fraudulent account. I need this removed from my credit file. Under the accounts section they are reporting a XXXX XXXX XXXX XXXX card card as closed when in fact it is open and being paid on time. I have notified the, of this error for now numerous months and the fraudulent account for over two years now. Then they have several inquiries I did not authorize and would like removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got the loan in XX/XX/XXXX from Consumer Portfolio Services for {$13000.00} on a XXXX XXXX XXXX from XXXX XXXX in XXXX, Va. My payments were XXXX with an added fee of {$12.00} to pay online. The only other payment option was to mail in payment which in turn would either have to be paid early or a late fee would be added. It is now XX/XX/XXXX and somehow, in the passing of almost two years of making payments on this car, I still owe {$12000.00}. How is this humanely legal and acceptable? No human being should be treated in this manner. Not only that, they report false reports to credit bureaus. Many of my payments that were made on time were placed as late and the balance that I owed has been {$12000.00} since XX/XX/XXXX. Not the balance of the late payment.
Product: Debt collection

I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

When not that my account is close do to the withdraws make it started in the spring of 2020 to XXXX with maybe one or two things here or there then in XXXX they made some big purchases that cleaned my life saving and I was in debt for almost {$1000.00} the store that they shopped at XXXX online was able to cut them off at a point. I didn't know where to go to besides bit my bank I tried to file a report with them but in the end they just thought that did it to myself and just wanted to make them give me money. No one that I spoke to even suggested another option that I could turn to so I just had to have debt companies call me non stop for $ $ $ I didn't have for months I saw that my PayPal account was hacked a few months ago. Not really sure if anything can be done now but just decided to file a report anyway.
Product: Credit reporting or other personal consumer reports

Sent letter to company to remove late payment. This is not the right information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. These incorrect addressses on my credit report also place me as a potential victim of identity theft and fraud as mail for me may possibly go to these addresses that I have never lived because they are listed on my credit report. I have sent requests multiple times to Experian concerning on this issue and they have failed to respond
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 1. The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Bank account or service

In XXXX 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting the requirements. I received written confirmation from a Citi representative that I met the requirements and that the miles would post to my account by XX/XX/XXXX. 

During this time, I 've already been charged a $ XXXX monthly service fee. Now, after confirming this promotion was applied to my account, Citi appears to be pulling a bait and switch. They have suddenly decided I do n't qualify unless I can find a post card from 5 months ago showing the offer. 

I do n't keep mail around for 5 months, and throughout all the communications, nothing was ever said over the past 5 months about needing to keep that post card. 

Now I have {$30.00} in fees and am not receiving XXXX AAdvantage miles. I 'm not alone. XXXX people are in the same situation. Via a XXXX search, I 've read about many people who are going through similar frustrating experiences. 

This is not right. I feel like I 've been lied to and my money has been taken. Despite upholding my end of the agreement, Citi has not provided the miles as promised. 

Something needs to be done about this. I hope you are able to assist so that Citibank honors the promotion they told me I qualified for. I have attached documentation which supports my case.