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

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Vehicle loan or lease

DATE:XX/XX/2017 AMOUNT : {$33000.00} I CALLED THEM AND INFORMED THEM THE ACCOUNT SHOULD BE SHOWING PAID IN FULL AND NO LATE PAYMENTS
Product: Credit card

I paid off my credit on XXXX XXXX That I haven't use in 3months during the billing cycle. 
If I paid the card off which only had XXXX XXXX the on the cycle begin. 
So Capital One charge interest on a XXXX balance of {$6.00} This must be remove .. And I also close this Account because I don't this card
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$200.00}, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$550.00}, XXXX {$850.00}, XXXX {$60.00}, XXXX {$570.00}, XXXX {$2000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX {$520.00}, XX/XX/XXXX {$600.00}, XXXX {$640.00}, XXXX {$600.00}, XXXX {$500.00}, XXXX {$800.00}, XXXX {$900.00}, XXXX {$300.00}, XXXX {$400.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX, {$500.00}, XXXX {$1500.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XXXX XXXX, XXXX {$1200.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$100.00} and XX/XX/XXXX {$850.00}. This totals {$59000.00}. 

Four times I have put in to have my money released since the middle of XXXX. Trust Wallet decided instead of releasing my money to put it in a VIP account. For {$20000.00} I would not have any additional fees and could have my money released per the email they sent me. An activation deposit was sent. {$20000.00} was sent. No mention of a late fee. XX/XX/XXXX, it was paid off XXXX. I received an email I would receive my money in XXXX to 10 days. A few hours ago I received an email I now owe a {$550.00} late fee. Late fee? I have no emails from this company about a deadline or late fee. They refuse to release my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE OF NOR HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$37000.00}.
Product: Credit reporting or other personal consumer reports

This morning, I was deeply upset and shocked to find inaccurate accounts on my credit report. Ive always checked my credit report carefully, and I couldnt understand how these discrepancies suddenly appeared. I tried refreshing my browser in case it was a technical glitch, but the errors were still there. I am pleading for the documents I provided to be carefully reviewed to prevent this from happening again.
Product: Debt collection

I received an invoice letter from XXXX XXXX, dated XX/XX/19 for {$550.00}. I have never heard of this company and haven't ordered from this company before. 
They said that I placed an order but due to the high amount, they are unable to process without some advance remittance. They asked me to mail a check, money order or credit card ( for the above amount ) and they will process the order immediately. 
I called the number XXXX. It said that all agents were busy and put me on hold. 
I contacted the Federal Trade Commission and put a fraud alert on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud inquiries with Transunion and for the past month I have been trying to get them deleted but they won't delete them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp XXXX XXXX XXXX XXXX ) 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: Credit card or prepaid card

I had gotten my deposit from PA XXXX and US Bank had the wrong account on file and set my card to I called back to have it changed when {$10000.00} was deposited into my account they informed me that I had to wait 5 business days for a address change to go through and I could have a card expedited I waited the five days and then upon calling them again they informed me that I have to wait another five days before they would expedite me a card so I chose standard shipping on it and now the card has been waiting for 4 days to be mailed in has not been mailed yet I feel that I am being discriminated against and I am going through a lot of personal grief and heartache to have to pay bills in my rent and facing eviction in my water being cut off because they can not get me my money or will not get me my money
Product: Credit reporting or other personal consumer reports

This is regarding XXXX XXXX account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, Transunion, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Money transfer, virtual currency, or money service

I put in money for something that I wanted to buy a little bit later, but Cash app took it without asking me. Its just kind of just took it and now I dont have money.
Product: Checking or savings account

Wells Fargo received an insurance payment on XXXX XXXX and informed me that it would take five business days for me to receive the funds It is now the XXXX of XXXX and I am told there is supposed to be a tracking number attached to a check being sent to me, Nobody can provide me with a tracking number. Ive had to take numerous cash advances on my credit cards ant 30 % interest to cover expenses, as of today my bank account has just been overdrawn. Ive been on the phone with the bank hours at a time for the last four days in a row and nobody can tell me anything, they have now assigned a case number for me to speak with somebody who has not called me back and no one has any information as to where the {$61000.00} check or money is. That is just the first draw. The actual check is for XXXX. My mortgage is only XXXX so thats the overage that they owe me that they are not entitled to but somehow have found a way to keep for almost 15 days, this has been more than inconvenient to say the least
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2022 - XX/XX/2022 DISCOVER has been in violation of federal laws by adding late payments on an unexplained adverse action of the account. DISCOVER closed the account and then begin reporting late payments which is a violation OF FCRA. ALL balances and late payments that has been reported are inaccurate information. Also, they have recently stated that the account is 120 days late but is also reporting the account as 150 days late which is also incomplete and inaccurate information. I have sent several notices to DISCOVER regarding the inaccuracies of the account, but they have yet to resolve the issue and continues to report damaging information on my credit report causing me to be unable to obtain credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I've been out of country since XX/XX/XXXX. I only recently discovered that my Experian usernamepassword had been change and that there was account with my date with XXXX. Fortunately I regain access to all my credit bureaus and XXXX  account and noticed that there is an account for which I didn't apply and didn't initiate it. Please delete XXXX XXXX  account XXXX XXXX opened on XX/XX/XXXX from credit bureaus.
Product: Mortgage

I have had my mortgage for 16 year with no escrow account. I have always paid my own taxes and insurance. In 2021 XXXX XXXX hit Louisiana and when my policy went to renew the insurance company was no longer writing new policies and we had a 5 day lapse in coverage until our insurance company could find us a new policy. Truist then placed coverage for that week and told us when we get a policy to send it to them which we did XXXX days after getting the coverage. It was faxed and also uploaded into our account so that they would have the new policy information. This is what we were told to do and the escrow would be taken off. I have paid my mortgage every month as I did for the last 16 years. I then get told that they are denying the request to have it removed even though we showed proof that we have coverage. The lapse was out of my control like everyone else in Louisiana that dealt with having to find new coverage and having issues getting the new policy. I have not missed XXXX payment of my original house not ever. I was not paying the escrow portion of the statement due to being told multiple times we shouldnt have had it put on and they would request to have it off. Which I know it was requested once and never again after we disputed the denial. I own a business and for the first time I have been denied leases for the medical equipment we supply due to Truist reporting the credit bureau I have not paid my loan for several months which is not true. I now have a XXXX XXXX XXXX and am at XXXX XXXX where I will have to closed my business which is my families only source of income. Instead of taking off the escrow since I am paying my insurance premium monthly directly to insurance company therefore I dont have another XXXX a month to also pay on top of my regular mortgage. Truist sends me papers for financial assistance. I dont need assistance I pay the mortgage payment monthly!! I need the escrow that should have never remained on the account off! Especially due to the fact the lapse was due to a natural disaster NOT because I didnt pay my insurance bill! This company clearly doesnt have supervisors because I have been waiting for months to call me to address the denial for the request to have the escrow removed. Only found out I was being turned over to the credit bureau was because I was denied with my long time vendor a lease for equipment due to my having a poor credit score. I have never been informed by Truist that I was being reported. Since I was paying my mortgage and they were accepting if I did not think this would be reported while Im still waiting for answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN {$2500.00} XXXX. I have reached out to FEDLOAN in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX  has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. 
( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. 
Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.