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

On XX/XX/2018 I received an updated credit report from XXXX and Equifax and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance withe fair credit reporting act XXXX XXXX XXXX XXXX acc  # XXXX has violated my rights. 

15 USC 1681 section 602a states i have the right to privacy.

15 USC 1681 section 604a it also states a credit reporting agency can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Subject : Complaint Regarding Unauthorized Sale of Personal Information by Navy Federal Credit Union I am writing to formally lodge a complaint regarding Navy Federal Credit Unions ( Navy Federal ) handling of my personal information. Specifically, I believe Navy Federal has violated federal and state privacy laws, as well as their stated privacy policy, by improperly selling or transferring my personal information to a non-affiliated third-party debt buyer.I have spoken with the supervisor XXXX at Navy who states that they can sell my debt with my personal information attached.

According to Navy Federal 's privacy policy, they explicitly state that they do not sell personal information to non-affiliated third parties. However, a recent incident has made it evident that this policy has been violated in my case. I was contacted by a debt collection company that is neither affiliated with Navy Federal nor licensed to collect debts in Michigan, my state of residence.

This company, which obtained my information from Navy Federal, placed an account on my credit report without my authorization and falsely claimed to be initiating legal action against me. Additionally, this company has engaged in deceptive practices, including providing misleading statements about their legal authority. These actions have caused me significant distress and have compromised the security of my personal and financial information.

I believe this conduct is a violation of the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions safeguard the privacy of consumer information and requires explicit consent for the sharing of such information with non-affiliated third parties. Furthermore, this conduct may also violate Michigan state laws related to data privacy and consumer protection.

I am requesting the following actions : 1. A full investigation into Navy Federals data-sharing practices to determine whether they have violated their privacy policy and applicable laws.

2. Appropriate penalties or corrective actions against Navy Federal and the debt buyer involved in this matter.

3. Assurance that my personal information will not be improperly shared in the future.

I have also filed a complaint with my Attorney General regarding this matter.

I have attached all relevant documentation, including the debt collection notice, my correspondence with the debt buyer, and a copy of Navy Federals privacy policy. Please do not hesitate to contact me if you require additional information or documentation. 

I trust that your office will take this matter seriously and act accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Payday loan, title loan, or personal loan

synchrony bank is the owner of care credit, car credit and XXXX when I make a payment and want to cancel it and change the amount but still have the amount due on time, it won't allow me to. I have to call the card and if I dont ' have time i have to find time. 
also there website is not secure and shakes so when making payments its difficult to click on to the correct date as it moves.
Product: Debt or credit management

I signed up with National Debt Relief in XX/XX/year>. As of this date, National Debt Relief has only settled two of my nine accounts. I was paying them {$180.00} every two weeks. My savings account with XXXX had reach well over {$2000.00}. National Debt Relief withdrew many fees from my account for themselves. One very large fee well over {$1400.00} that they claimed was a settlement fee. On XX/XX/XXXX, at the advice of a financial counselor not affiliated with National Debt Relief, I was advised to revoke the POA with National Debt Relief because they appeared to be just taking my savings ( that was supposed to settle accounts and pay creditors ) and keeping it for themselves. I revoked the POA and settled the accounts myself. When I asked National Debt Relief for a refund, they refused but told me that I owed them another {$340.00} which I refused to pay. Since they did not settle my accounts, I would like my money back.
Product: Credit reporting or other personal consumer reports

For 3-4 years Ive throughly explained to Experian that a collection on my account is incorrect, not mine and not accurate. There were multiple addresses Ive disputed or tried to dispute with the company and theyve removed a few. However, one of the addresses they decided was inaccurate and decided to remove is tied to a collection that they are NOT thoroughly investigating or doing their part to remove from my report. Its been YEARS! The address was deemed inaccurate but the collection with the same address is not??!! I need this removed!! It doesnt make any sense!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX and Transunion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : DeptedXXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MONEYLION INC. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off, collections, and late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX Account # XXXX, XXXX Main Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Mortgage

I am once again submitting another complaint regarding my loan with Shellpoint Mortgage, Yearly Shellpoint Mortgage Servicing ask for proof of insurance both XXXX with includes the hazard and my ) personal condo insurance. I submit a proof of insurance. I have submitted said asked for information a number of times. Recently, I received a letter from XXXX point indicating that my XXXX insurance has an unacceptable deductible ( this is generally the same as previously provided and ask that I provide a copy of the full policy as evidence of insurance. I have provided Shellpoint with both the proof of insurance from the XXXX and the certificate of insurance from the XXXX 's Insurance company. T
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge-off account with XXXX XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

Experian is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

XXXX seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX .... I have no long term dept.. I do have a few credit cards that I have always paid off monthly... There are no interest bearing balances and there have not been any for years .. My credit score for years has always been over 800 ... Now, this year, my credit score is constantly being lowered and is now XXXX for no reason... Transunion does not allow me to pay off any monthly credit card balance before lowering my score each month.. When I complained to Transunion they said that is their rules and every time I call they will lower my score 2 points which they did.. I believe they are discriminating against me due to my age ( XXXX )...
Product: Credit card

I had a charge on my Home Depot account for {$15.00} in XXXX. I changed my email address on XXXX XXXX to my new email address. Apparently it did n't go through as I never received any email statements for the {$15.00} and forgot about the charge. I noticed my credit score went down and found that Home Depot had me listed as unpaid for XXXX and XXXX 2015 w/ accrued late fess. I called them and they had my new email but could n't verify they sent my bill to the new email address. I spoke to an account rep. named XXXX who said they could n't do anything about sending the derogatory credit to the credit bureau which dinged me nearly XXXX points for a bill I never even received plus late fees. I never received a bill from them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I have a cash app card. I have tried to contact them 4 or 5 times. All I get back is an email saying they will investigate my claim if I tell them who, when and where and how much they took. I have forwarded all this information to them 3 times now. No answer from anyone. Someone hacked my cash app card, and withdrew {$93.00} and tried to get more, but that was all that was on it. I sent them the names and pictures and the amount they tried to get. This took place back on the XXXX of XXXX. I feel like they are giving me the run around,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - 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. I the consumer have never given any of the consumer reporting agencies known as XXXX, XXXX, EXPERIAN any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.
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 XXXX # 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act 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.
Product: Debt collection

I XXXX XXXX am writing this letter because of a debt that was placed on my brecit profile by CCS Collections account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer right