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

Navy Federal Credit Union ( NFCU ) is accused of violating federal consumer privacy laws ( 15 U.S. Code sections 6801, 6802, and 1681B ) by transferring my private information to XXXX collections without my consent. I have formally requested to opt out of their system and validate the violation for my NFCU accounts : XXXX & XXXX. 

Based on the above violations, I request that you take immediate action to : Opt me out of Navy FCU your system and any third-party databases. 
Remove my personal information associated with NFCU accounts : XXXX & XXXX. 
Cease any further sharing or disclosure of my personal information without my explicit consent. 

Under 15 U.S. Code section 6801, financial institutions have a legal obligation to implement measures ensuring the privacy and protection of their customers ' nonpublic personal information. This includes maintaining the confidentiality and integrity of customer data. The transfer of my personal information to XXXX debt collections and other third parties without my explicit consent demonstrates a failure to fulfill this obligation. 

Additionally, 15 U.S. Code section 6802 prohibits financial institutions from disclosing nonpublic personal information about their customers to non-affiliated third parties without meeting certain conditions. One such condition is obtaining the customer 's affirmative consent for such disclosures. As a customer of NFCU, I have not provided my consent for the transfer of my personal information to XXXX debt collections or any other third parties. 

Furthermore, 15 U.S. Code section 1681B states that consumer reporting agencies, such as XXXX debt collections, may only furnish credit information to those with a permissible purpose. If NFCU shared my personal information with XXXX debt collections without a permissible purpose, it would constitute a violation of this federal law.
Product: Money transfer, virtual currency, or money service

In XXXX there was a wire transfer from my bank to a XXXX XXXX that was not authorized by myself. Scammers hacked into my account. I contacted my bank to stop the wire transfer, it did not happen. Filed a complaint with my bank they denied my claim. Claim # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, i tried to make a transfer for the amount of {$600.00} into my XXXX XXXX account. Paypal says it went through.However, i never received any money into my bank account and now XXXX XXXX is telling me they never received it. It's been close to three weeks, and neither paypal or XXXX XXXX has been able to help, and they're telling me to check with the other, but all im getting is the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 called in TransUnion consumer solutions to update personal information that was not accurate on my TransUnion consumer profile. After answering brief security questions to verify my identity. The TransUnion agent assured me that the inaccurate information was removed. Today I received fraud alerts form the other credit Bureaus XXXX and XXXX. Stating that there has been a name change to my credit profile. Logged into my my TransUnion account. To find out that the agent i previously spoken with had added a name to my consumer profile that not mine. This totally unacceptable. I spoke with a supervisor regarding the matter and the supervisor assured that the name would be removed with u the hour. It has not been I just been denied a line of credit and bank loan because of trans union consumer solutions added a name to my consume profile that not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I make 2 monthly payments on my student loan regularly with Wells Fargo Student Loan. I told the rep I wanted to make 2 payments and she calculated incorrectly and it had to be completed in 2 separate transactions- one for {$100.00} and second transaction for {$3.00} on XX/XX/XXXX. The rep miscalculated and shorted my second payment by {$1.00}. This is NOT the first time this happened, first occasion was XX/XX/XXXX.

My credit score dropped drastically and this is injust because this was a mistake by the representative which they also admitted.

My score was effected and significantly dropped 59 and 33 points.

This isnt the first time this happened. InitiallyXX/XX/XXXX when that happened I complained and nothing was rectified.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

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
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under ARS Account Resolution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX  #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

Had a mortgage with Ocwen Loan Servicing. Refinanced loan, payoff was for more that owed on loan. Refund seems to be {$800.00} to {$1000.00} less than it should be. Ocwen will not give me an accounting of check amount. They are non responsive, called and emailed XXXX times with not response. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX,
Product: Bank account or service

I am posting this under Deposits and Withdrawals, but it should go into the Problems Caused by My Funds Being Low because these issues mostly affect those of us who live paycheck to paycheck. I have many years of experience dealing with this fraudulent bank. I am an expert about my checking account. I keep very close tabs on it because I live so close to the financial abyss. I am writing this because I have XXXX overdrafts on my account that I incurred in the last three days because : Key bank routinely applies debits out of order which can result in excessive overdraft fees. Key bank routinely holds payments in the Pending Status long after the vendors have been paid, sometimes up to 7 days. 
When the bank account gets credited for the purchase, the record of the credit to the account is placed earlier than the day and time the account is actually credited. 
Key Bank routinely does not apply changes to the account in a timely manner and also applies debits to accounts out of order. 
Key bank routinely does not apply deposits in a timely manner and holds onto deposits to incur excessive overdraft fees. 
Key Bank reports available balances that are not accurate. 
When a cash deposit is made into an account, the cash deposit is recorded in Pending instead of being deposited directly into the account. 
Key Bank incurs regional ATM fees that show up on the account days after the ATM card has been used.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


10. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX of inquiry : XX/XX/year> Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX ( XXXX ) regarding improper credit reporting practices and their failure to provide essential documentation related to my account. 

1. Failure to Provide Payment History : Despite multiple requests this year, CPS has not provided a full accounting report of payments made on my account from XXXX to XXXX. This documentation is critical for verifying the accuracy of their reporting. 
2. Misleading Credit Reporting : CPS has reported my account to all XXXX major credit bureaus as settled for less than owed without providing evidence to substantiate this claim. 
3. Improper Re-Aging of Debt : CPS has improperly re-aged my debt, extending its reporting period to XXXX. A XXXX loan now appears set to remain on my credit report for XXXX years, a practice that may violate the Fair Credit Reporting Act ( FCRA ). First date of delinquency is listed as XX/XX/XXXX, which is inaccurate. 
4. Failure to Provide Debt Validation : CPS has not issued a debt validation letter detailing the age and amount of the alleged debt, as required by law.
Product: Debt collection

I keep being harassed by LVNV funding. But they always come back finding they did nothing wrong. Resurgent has closed the two accounts but lvnv funding. Is still reporting them. This isn't fair to me if they have closed something that LVNV funding is still reporting on them. resurgent capital. I would appreciate if they don't lie saying they haven't closed them. Or say they are unable to locate my account. One account is for XXXX and the other for XXXX XXXX XXXX  for {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I called Newrez Shellpoint. For some unknown reason my automatic payment that has existed for years was stopped. I was fined for nonpayment in XXXX. I called and made my payment for XXXX and XXXX over the phone. They confirmed my payment. But, it seems Newzez or shell point recorded my bank number incorrectly. They never notified my of the problem. When I called them on the XXXX they said it is the banks job. They fined me again. Their customer service stone walled my questions and concerns. 

I have had this montage for years, no late payments. I am emailing my concerns because their phone behavior was outrageous and made me wonder ... ... lAre they targeting 3 % loans, is their training so poor they can be not helpful communication with customers, are they conducting shabby business practices???? 

My concerns stem from the abruptness of the rejection of the automatic payment ... is this a good audience to target, in addition to their lack of explanation and correcting the problem. 

In advance thank you for investigating Newrez business practices. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE