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

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

I submitted a complaint through CFPB as CNAC continues to report inaccurate information on my credit that continues to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX { XXXX XXXX XXXX, XXXX Maryland XXXX { XXXX } XXXX : XX/XX/1995 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : { XXXX XXXX } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

16811 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you ple
ase send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

Because I have a consolidated spousal school loan with my ex-spouse, we are not able to refinance to a direct loan and therefore can not take advantage of the PSLF.

We have attempted to convert to a Direct Loan and were denied because Joint Consolidated Spousal loans do not qualify.

This causes additional hardship in that despite the President and Secretary of Education announcements for my FFEL this loan does not qualify for the waiver or for PSLF.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX NOT MORE UPDATES, REMOVE LATE PAYMENTS OR REMOVE THE ACCOUNT
Product: Credit reporting or other personal consumer reports

I have disputed the public records report to all three major credit agencies. Equifax, XXXX, and XXXX in which they all stated that the United States bankruptcy court verified the accuracy of the public record, which is inaccurate the United States bankruptcy court, do not report or verify to major credit nor any consumers. I am requesting due to my fair credit act and the inaccuracy of the credit rules in the United States bankruptcy court response. I am requesting that the public record and the items disputed on the public record and deleted.
Product: Student loan

Originally took out a private student loan in XX/XX/XXXX/XX/XX/XXXX in order to be able to finish college for about $ XXXX. It 's now 10 years later and I still owe over $ XXXX. I 've never made a single late payment, always pay above the minimum payment needed. It 's supposed to be a XXXXmonth loan and there 's no way it will be paid off in 14.5 years! I believe AES has been committing fraud and trapped a young naive XXXX year old student eager to go to college. Each month it appears they never apply the extra amount to principle balance, but instead use it towards future payments meaning that I 'm always paying interest on a higher principle balance than if they had applied the excess payments to principle balance. Each month the amount applied to principle balance and interest balance is HUGELY different each and every single month.
Product: Credit reporting or other personal consumer reports

Letter sent to each credit bureau ( XXXX, Equifax, XXXX ) I requested that inaccurate information be removed from my credit report, and asked for an updated report was information was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
XXXX  XXXX, XXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXXXXXX XXXX XXXX, Account # XXXX, date opened 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 an account without my written instructions.
Product: Debt collection

There is a debt for XXXXXXXX XXXX XXXX on my credit report. This was a debt that was established in XXXX after I graduated high school and enrolled at XXXX but never attended. It is XXXX XXXX XXXX and was previously on my credit report and came off. Oklahoma statue of limitations for a debt to be on credit report is XXXX years. This debt is past the statue of limitations. I disputed the debt with credit bureaus and the Key 2 Recovery collection agency is claiming the date of this year is correct although it is not!
Product: Checking or savings account

My 13th check that was deposited into my account from the same person was all of a suddenly flagged and put on a five day hold and they claim that is was put on hold because there is a lot of fraud from some of its ' members and all of the deposits are put on hold. This is a lie since the previous 12 checks were not placed on hold. Why was this 13th check put on hold and I do not buy the fact that there is wide spread fraud or bad check deposits from some of the members so all of the members are penalized. I think that deposits should be on a case by case basis and should be held for 5 days on the customers that have previous bad check deposits or have a negative balance with the bank. The security a hold on the deposit and there is a reason why that this check or at this point and time that they decided to place a five day hold and I have a right to know the reason. Also taking the deposit from my account gave me a temporary negative balance in my checking account that could have been a tragic out come.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

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.

Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. Identity Theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

( I selected the most appropriate issue in the previous section, but there was really no accurate option on the list for the following issue : ) My husband and I leased a new car in XX/XX/XXXX. When we came to the end of the 3-year lease in Fall XXXX, we decided to purchase the vehicle through a loan. The paperwork was sent to us to fill out from home and have notarized, which we did. 

When I went to make the car registration payments a couple months later, I was unable to do so - there was an issue with the title. I called Chase Bank and was told that they had the title delivered to our home ( which we had never received ) and that we were supposed to bring it to the DMV. After explaining that we had never received a title, I asked them to generate a duplicate title and was told it would be sent out in 6-8 weeks.

The duplicate title never arrived. For the last TWO YEARS, we have found ourselves in a cycle of attempting to request a duplicate title every few months - and each time, the title department treats it as if it were a new request, never acknowledging that we've repeatedly made the request before. When trying to solve this issue directly with the DMV, they informed us that Chase had sent a {$1200.00} check attached to our name, that is simply sitting there - unprocessed - because no one has any idea what it is for. 

I have been pulled over 3 times and have had to explain the situation to police in hopes that they would not impound my car ( as I can not afford to pay to get it out of impound ; so far, I have been lucky ). I can not guarantee that my insurance company will cover any damage or injury should I end up in an accident, as I can not register my car as required by insurance. I have attempted to get a new title generated for the car by getting an auto loan through a new bank ... but have been told that I will only be approved for a new auto loan when the registration is up to date on the vehicle. I can not receive legal support, because there are no lawyers who see the value in taking this as an individual case. 

Essentially, I am being held hostage in a vehicle that I must pay for, but can't legally drive and that brings me more liability than it's worth. 

I know for a fact that there are multiple consumers with this SAME EXACT PROBLEM with Chase 's Title Department. 

The majority of correspondence around this issue has been over the phone.
Product: Checking or savings account

" PNC has made a change that prevents you from being able to link your accounts '' This change is keeping me from using my main source of funding to fund money market accounts. It is interesting that they say they do this for security, when they will allow your account to be connected to crypto-currency exchanges, but not an investing platform such as XXXX. This is hindering my ability to participate in the free market, and there is no reason for this restriction to exist as other banks perform these duties flawlessly.
Product: Mortgage

I received a mortgage in 2002 from countrywide home loans. I am aware of the securitization scheme and the mortgage was sold several times without my consent or knowledge. The mortgage then went into foreclosure and I was not given full disclosure and i suffered much injury loss and damage that has been life threatening to my livelihood. I sent XXXX XXXX indenture trustee all the information regarding the foreclosure along with a XXXX and an international bill of exchange along with the deed to my property. XXXX XXXX is in breach of the trust and never returned back to me my securities I sent them. 
I now remain homeless and I am still yet to receive compensation. 
This is the letter I sent : XXXX XXXX XXXX XXXX. 

Countrywide Home Loans XXXX XXXX XXXX Texas XXXX Defendant This notice is regarding account No. XXXX XXXX to the foreclosure on the home at XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX that is admitting that you possessed the note. Its an admission that the bank has the obligation to perform. By foreclosing you accepted a security, its rights of recourse are XXXX under the XXXX XXXX, XXXX, and XXXX, and therefore the bank owes me. i hold the security interest in the note. ( my credit ) i hold the security interest in the mortgage too. 
The bank entered it as a debit to their assets-meaning an increase in assets. 
XXXX XXXX XXXX, i signed the mortgage it's my security. You have an obligation to perform on the security by exchanging it for equal value. 
Is it the banks policy to transfer actual cash value from the alleged borrower to the bank and then return it back as a loan, knowing the bank received the funds from the alleged borrower for free to transfer actual cash value from the alleged borrower to the bank and then keep the funds as the banks property. Was it the banks intent to receive actual cash value from the borrower? 
You have breached written agreements and the use of false and misleading advertising act without written permission to authorization and without the borrower 's knowledge. 
By having failed to return the securities or give me equal value such as release of the mortgage, you have committed SECURITIES AND TAX FRAUD. The books will show you never paid taxes on the gain. Where is my value? Show me the tax forms that declared it at a taxable gain since you've construed that i abandoned the property. 
You need to show cause that you do not have an interest in my property. 
Acquiescence is consent. 
You are in a XXXX breach. 
i am giving you the opportunity to cure this error by compensating me XXXX XXXX dollars for the injury damage and loss you have caused me and access to the securities, proceeds, interest, dividends where my note has been monetized, securalized and sold on the international stock market. 
You have 3 days from receiving this notice to remedy this matter and perform on my behalf for my benefit. 
If you ignore this notice i will then start the lawful criminal action proceeding and i will inform the general post master to investigate along with a full forensic audit by the IRS. 


Done in good faith XXXX Rights XXXX
Product: Checking or savings account

On XX/XX/XXXX an overdraft notification was received by text to my phone in regards to my Wells Fargo business checking account. I looked at the account through the Wells Fargo app and noticed XXXX charges that I didn't recognize. The total amounted to {$14000.00} with charges from {$250.00}, {$500.00} ( majority ) and {$1000.00} at a time. 

XXXX of the charges were authorized on XX/XX/XXXX while the rest were authorized on XX/XX/XXXX and XXXX. The charges were made to XXXX online gambling platforms. XXXX for a total of {$12000.00} and XXXX for a total of {$2000.00}. 

I turned my card off on XX/XX/XXXX and submitted fraud claims online through my Wells Fargo account. Within a couple days the claims were denied for " no error found ''. I went into a branch to get additional support with a branch manager. 

I was able to reopen the claims case by submitting additional information I received from the XXXX online support. I provided my card information and personal information to XXXX and they confirmed that my card was used by an account holder that did not use my name or information to open the account. I shared these emails with Wells Fargo and provided additional facts that I am a Texas resident and can not sports gamble online or otherwise due to Texas state law. 

For the next 4 months I waited to get a response while the online claim status continued to stay closed. I called the claims department every other week during these 4 months and was told the claims are still being reviewed. 

I finally was directed to the business claims department on XX/XX/XXXX. They requested I provide additional information that Texas residence can not online gamble and the emails from XXXX. I did provide them the evidence that day. 

I received a call on XX/XX/XXXX that Wells Fargo does not see this as a banking error and no fraud was committed. 

The charges were not done by me and couldn't have been done by me. Wells Fargo refuses to take responsibility for allowing those consecutive, unauthorized charges and refuses to protect me as their customer.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax 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 generally, 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.