23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding a serious violation of my privacy rights. It has come to my attention that NFCU shared my transaction history with a non-affiliated third-party company without my consent, which I believe is a direct breach of my privacy rights and may be in violation of federal consumer protection laws.

I sent a certified letter to Navy Federal Credit in reference to this and have yet to receive a response on the matter. I have attached all related documentation. Navy Federal conspicuously states in their terms they DO NOT share personal information with non affiliates. 

I request a thorough investigation into this matter to determine how and why my personal information was shared without my consent. 
I request that NFCU takes immediate corrective action to address this issue and ensures that my personal information is adequately protected. 
I request that NFCU provides a detailed response to this complaint, outlining the findings of the investigation and the actions taken to prevent such unauthorized disclosures in the future. 
I firmly believe that the privacy and security of my personal information are of utmost importance, and I trust that NFCU shares this commitment. I am filing this complaint with the Consumer Financial Protection Bureau to seek assistance and resolution of this matter. 

I appreciate your attention to this complaint and your assistance in ensuring that NFCU complies with federal consumer protection laws regarding privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am 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, 15 USC 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 that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC and also informed Experian that there are unauthorized inquiries on my credit report. I do not recognize them and have reported them as fraudulent on more than one occasion. However, Experian refuses to remove these inquiries. Per 15 U.S. Code 1681c1 ( 1 ) ( B ) this is a violation of my rights. Experian must delete the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am filing this complaint because the bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

1. The following inquiry was made without my knowledge or consent XXXX/XXXX  Date of inquiry : XX/XX/XXXX 2. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 3. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/XXXX 4. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. Validate Account XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately. 

6. Validate Account XXXX Account Number : XXXX You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately.
Product: Debt collection

I received an email today, XX/XX/2023, from Transworld Systems incXXXX about a debt from XXXX for {$380.00}. I have never owed an account with XXXX and never received bills for said account. No notice of debt before today.
Product: Debt collection

JEFFCAPSYS at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC in regards to unrecognized inquiries on my credit reports. The inquiries in question are : 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

XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support account # XXXX is with XXXX XXXX not XXXX  XXXX XXXX. XXXX  XXXX XXXX was contracted by XXXX XXXX to collect withholding only. They do not own this account. It is a XXXX XXXX account. ( see attached email ) XXXX XXXX XXXX continues to report incorrect information even after a representative from XXXX XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : XXXX - XXXX   XXXX XXXX reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

EQUIFAX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
Product: Mortgage

On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX proving that my account is owned by XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Tel. ( XXXX ) XXXX. The Federal Authorities are presently investigating all these accounts opened and unlawfully using my name and Social Security Number, as well as the different versions of my Note. 

Also, XXXX confirmed that their " records indicate that the account transferred to Caliber Homes Loans , Inc. ( " Caliber '' ) on XX/XX/XXXX ''. 

Since I did not receive a notice of that transfer from Caliber within 30 days of the transfer, ( XX/XX/XXXX ), pursuant to 15 U.S.C. 1641 ( g ), I automatically rescinded the loan under 15 U.S.C. 1635 and informed and served all parties involved.

Therefore, based on the above, we now request that Caliber return any and all documentation, including notes, deeds of trust, communications with and between XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX,, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, et. al, and any and all Account Payment Histories, regarding the above referenced account, and or any other accounts you may have information about.

Also I found there were at least two ( 2 ) notes  presented in different cases.
Product: Debt collection

Since XX/XX/XXXX, MonarchyRecovery has repeated called my phone. Interrupting and distracting me from work and daily life. The calls are frequent. Every 15 secs I receive a call.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} CAP XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$910.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ''
Product: Checking or savings account

after cancel a dispute with bank of america.they went a head and order a merchant to give them money said i made a dispute with them.hence forth money was taking from the recepient account where i had to pay him back.i asked the give me funds that they requested from XXXX XXXX.they refuse to give me back my money.and on top of it they keep stealing money from my account every week i asked about my money they refused.the amount that was took away was a XXXX and bank of america refuse to give me my money
Product: Checking or savings account

I have account from years with wellsfargo bank and I notice some discrepancies at my account with the money
Product: Credit reporting, credit repair services, or other personal consumer reports

West Lake Services is reporting a debt on my credit file that is no longer owed. I recently took a look at my credit and noticed this debt is reporting on my file. I am aware that this debt is past the statute of limitations in California. Not only that but this debt is past the credit reporting limit and continuing to report this is a violation under the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting

I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX and a second one that was dismissed reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; 2. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy.
Product: Debt collection

This is the XXXX complaint filed about this company ( WINDHAM ) with the CFPB. They REPEATEDLY continue to re age this alleged debt that occurred in 2003, and harm my otherwise flawless credit standing. 

The XXXX previous complaints for your review:XXXXInstead for removing the fallacious tradeline, they CONTINUE TO REPORT DEROGATORY INFORMATION and are also reporting it DISPUTED. 
Please see proof from my XXXX XXXX and XXXX XXXX that the negative and RE AGED tradeline is still reporting as a NEGATIVE account.
Product: Credit card or prepaid card

I have been a customer of Citizens Bank, ( branch office in XXXX, Ct, ) for several years. Since inception, I have had ongoing issues concerning late fees with all three of my accounts ( account numbers listed below ). I make payments electronically via XXXX  XXXX XXXX and arrange for payments to be made on the scheduled due date. The checks are delivered per XXXX XXXX XXXX but invariably are not posted to the respective accounts for up to 5 to 7 days later. After many conversations and requests to have fees waived which have been honored I was refused a request today when I have called to inquire once again as to why charges were assessed. It appears that the back office processing of payments consistently is late resulting in fees being charged. I have spent numerous hours and patience on calls etc. Since this not an issue with any other accounts that I pay through XXXX XXXX I have concluded that this issue is one which is done with the intent to defraud the customer. I would be curious to see how much revenue is generated via late fee assessments and how many fees are assessed to the customer base. I have today made payments to close two credit card accounts and will arrange to close my Equity Line as soon as possible. 
Thanks for your assaistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) Account XXXX ( equity line ) Account # XXXX ( XXXX XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

Please refer to complaint # XXXX. This was closed without resolving the issue. I would like it reopened and investigated further. I paid off the principal balance on XX/XX/year>. The company did not apply the payment towards the principal balance as it was intended. This loan was paid off and reflected paid off on their website. They are trying to repurpose the payoff payment to suit their needs and charge additional fees on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting me as having NO CREDIT SCORE, but I have 6 open accounts, in good standing and have credit scores with both other reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX Acct # XXXX 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 a account without my written instructions
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 Financal 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

PenFED is my mortgage and XXXX  XXXX. They failed to provided XXXX XXXX XXXX  when requested in 2022 and most recently falsely advertised the offering of natural disaster loans. XXXX XXXX XXXX PenFED was notified of a natural disaster that has caused significant damages and losses to my property but told me by phone on XXXX separate calls that they do not offer the 7.99 % natural disaster loan offered on their website.
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. 
Account adjustment 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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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

I sent XXXX, XXXX and experian a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my XXXX XXXX down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

XXXX deleted one of the accounts but XXXX and Transunion still have the account present on my profile and the information doesn't match.