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

Subject : Dispute Regarding Inaccuracy Reporting of XXXX XXXX XXXX Account I am writing to address the ongoing inaccuracy in the reporting of the XXXX XXXX XXXX account on my credit report. Despite my previous attempts to rectify this matter, the account continues to be reported inaccurately. 

In response to my initial dispute, XXXX XXXX XXXX asserted that the account is reporting accurately. However, their response fails to address multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802. 

Firstly, according to 15 USC 6802, a financial institution must provide consumers with a notice before disclosing nonpublic personal information to a nonaffiliated third party. Additionally, the consumer must be given the opportunity to opt out of such disclosures, along with an explanation of how to exercise that option. XXXX XXXX XXXX has failed to demonstrate compliance with these requirements. 

Furthermore, XXXX XXXX XXXX has not provided evidence of how they verified the accuracy of the account, nor have they presented the required XXXX disclosure forms with my wet ink signature. As per FCRA regulations, failure to comply with these provisions warrants immediate removal of the disputed account from my credit report. 

Additionally, the account is erroneously reported as a charge-off. According to IRS Publication 4681, once an account has been charged off, it is no longer considered debt but rather gross income. Income should not be reported on a consumers credit report. Therefore, the reporting of this account as a charge-off is not only inaccurate but also misleading. 

I urge you to take swift action to investigate and rectify these violations of the FCRA. It is imperative that accurate and compliant reporting practices are upheld to ensure the integrity of consumers credit reports. I expect a prompt resolution to this matter and the immediate removal of the inaccurately reported XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXXXX/XX/XXXX WA, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided.

Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Student loan

Mohela has some serious issues. 

They transitioned their website, and in doing so several things are wrong. I've attempted to correct this with them and have spent several hours on the phone to get nowhere. They have no managers that are available to solve the problem and the customer service reps are not educated or able to resolve my issues. 

The issues are XXXX. They put my loan in XXXX  -- this has since been resolved XXXX. They did not accept my XXXX monthly payment, thus I did not benefit from the XXXX plan for that month XXXX. They capitalized my interest on my loan with no justification. I checked the reasons they can do so, and they have no basis. 

Thank you for your help in finding a resolution.
Product: Mortgage

I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of inaccurate, re-inserted, and fraudulent accounts present on my consumer credit report and to bring to your attention the failure of XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX  to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but these companies never responded to me with verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from these companies and these accounts was reinserted with no permissible purpose and without my consent. 

XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX  claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not remove the inaccurate account that has been furnished on my consumer file and I have never given my consent to re-insert or furnish this account. No consent is Identity Theft and I have attached evidence that XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation. 

I demand you cease and desist pursuant to federal laws XXXX5 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Checking or savings account

On Tuesday XX/XX/21 I was charged 2 {$36.00} NSF fees and {$36.00} NSF fee on Wednesday XX/XX/21. Nothing was charged to my account but the fees still came out. I spoke with the bank on XX/XX/21 to try and rectify the situation with the bank. I explained the rep that I did not sign up to receive overdraft protection when I opened the account so I was told that if a charge tried to come out it would deny and I would not be charged a fee for it. She told me it still came out so they would not reverse it even though I did not give them permission to.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION LETTER Date XX/XX/year> Dear To Whom Its Concerns This letter is being sent to you in response to : Check One ( 1 ) -Notice sent to me on 20 -Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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.

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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: Checking or savings account

IN XX/XX/2002 NOTICED MONEY MISSIG OUT MY BANK OF AMERICA ACCOUNT PUT CLAIM BLOCKED OUT ACCOUNT CLAIM DENIED XXXX TIME BUT NO INVESTAGATION WAS DONE NO CREDIT GIVEN N STILL NEVER RECIVED MONEY
Product: Mortgage

My hardship involves a variety of factors. My hardship was triggered with job layoff several months ago. It was compounded by with me having to move from XXXX to XXXX to find new employment. 
While the factors above are indeed significant, they pale in comparison with the biggest hardship of all. Despite making mortgage payments for approximately 10 years, I have absolutely NO equity to show for it. This has been a lopsided agreement, PNC has reaped all the financial benefits and I have n't shared in any of the harvest. I 'm underwater by $ XXXX. This is based on XXXX XXXX market analysis assessment. Over the years, I have paid PNC XXXX dollars for this property with absolutely nothing to show for it. A reasonable person would call this insanity and financial suicide. If PNC were in my situation, they would find this difficult to endure. 
Through no fault of my own, I find myself in this nightmare situation. As you know, the Banking Industry, Mortgage Companies, Investment Houses, XXXX, and Rating Agencies worked in concert to cause the Housing Crisis. The product of your efforts resulted in XXXX XXXX citizens like me having nightmare mortgage situations. The US Government bailed out XXXX XXXX and the Banking Industry and for the most part left XXXX XXXX out in the cold. PNC predecessor company, XXXX XXXX XXXX XXXX XXXX XXXX, played a prominent role in this nightmare. PNC purchased my original loans from XXXX XXXX XXXX. XXXX XXXX XXXX track record for bad mortgages is well documented and resulted in Class Action Lawsuits. Minorities like me were particularly hard hit with these bogus mortgages. 
Citizens like me have suffered far too long without any help, despite our pleas to Banks, HARP and other agencies. I urge PNC to please take this opportunity to do what is right and change this course of destruction. Let 's get this done.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. I was calling to TransUnion to mark inquiries as fraud, because I have send to Transunion FTC Police report. 
However Transunion representatives from other countries unserved me, and they ignored my official FTC report. 
Specially when I was speaking to XXXX employs. 
I would like to ask you to ban people from XXXX, because I am not safe to have my information to their hand. 
Additionally I will attach FTC report to block fraudulent inquiries from my report
Product: Checking or savings account

Several times now PNC bank has charged NSF fees with a positive balance. When I call them they have no explanation why it happened. Furthermore, just this past week they submitted checks thru after business hours but before midnight and checks were being set up to post and bounce. I ran to the bank put cash in and they still tried to charge me the fee even though my balance was in the positive. I am constantly watching my account now for all of these extra charges, fees, and late night submissions after their business hours. Almost every time a rep can not explain why it's happening and removes the fees. Problem is loan providers do not want to see fee and charge refunds even if it is the banks fault. This has never been a problem with PNC for the XXXX our personal and business accts have been with them. The last XXXX there is a constant issue with my account and I am constantly asking for a XXXX to try and make sense. They usually just apologize for the mistake and move on. It's like they know this is a problem but not sure how they can address other than refund the issue and perfusly apologize. I am on the verge of closing and moving accts to another bank for our personal and professional needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute inquiries and information do not belong to me. Im attaching the required FTC Report # XXXX for you. Please remove these items. If you feel there is a possibility these inquiries and information belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : 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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since my children began paying back their student loans ( I am the borrower on a Parent Plus Loan ) we have had nothing but issue after issue with Navient. Every single month we 've had to call them to straighten out their messes. They misapply money from my daughter 's portion of the loans to my son 's and vice versa constantly even though they specifically request the loan numbers for the money to be applied to. They give us conflicting information about what information they can release and why or why they ca n't do certain things. I ca n't even request the notes that they 've put in my account without a subpoena according to them. This month my son 's money was applied to someone else 's account and then was told he had a huge late fee. Then they found the money but still demanded proof from XXXX. They NEVER process payments correctly. It 's maddening and, frankly, I believe it to be unethical and possibly illegal.
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that this account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of account below : EXPERIAN : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> **** Balance Owed : {$22000.00} I am seriously doubting the accuracy you are showing for this account I believe this account should not have any late remarks. Please investigate and update accordingly. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.
Product: Checking or savings account

All of XXXX XXXX XXXX XXXX I had to ask them over and over to not allow withdrawals on my account and it took him a while to finally get it through their heads they were charging me outrageous overdraft fees daily and when I asked them to reverse them they would only reverse {$14.00}