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

Dear CFPB, I am writing to file a formal complaint regarding inaccurate account reporting by XXXX related to my loans. The account numbers in question are : - XXXX - XXXX - XXXX - XXXX The loan agreement clearly states, You may prepay the unpaid balance at any time without penalty and maXXXX be entitled to receive a refund of unearned charges in accordance with law. However, XXXX has reported these accounts in a manner that contradicts this provision. 

Furthermore, the agreement specifies XXXX XXXX agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you ( borrower ) and XXXX XXXX from misunderstanding or disappointment, any agreements XXXX XXXX  and you reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between XXXX XXXX and you, except as we may later agree in writing to modify.There has been no follow up addressing that these terms had changed or agreement to a change of terms. 

I have attempted to resolve this issue directly with XXXX but have not received a satisfactory response. As a result, I am seeking your assistance in addressing this matter and ensuring that my credit report accurately reflects the terms of the loan agreement. 

Thank you for your attention to this issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies, I have sent Certified Letter 's on XXXX XXXX, 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. Equifax- XXXX Inquires - XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires - XXXX/XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires- XXXX XXXX, Equifax XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX 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: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

The lender was provided all docs needed for the loan mod review to be completed and are refusing to complete the review - the lender has also not allowed the time needed to appeal any decision of the review that is required by REG X
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX.
Product: Credit card or prepaid card

I purchased airfare ticket for {$360.00} on Sunday, XX/XX/2020, XXXX XXXX ( Email Receipt attached EXHIBIT A ) with my frontier Credit Card however on Monday, XX/XX/2020, XXXX XXXX  CDT Frontier Airline sent an email informing that the flight has been disrupted and a portion of your itinerary need to be rebooked ( Email attached EXHIBIT B ), due to frontier airline disruption all my other plans like hotel booking and car booking was also disrupted and i ended up loosing all my reservations whose booking were non refundable. 

I called Frontier airline same day for the number that was provided on email and waited 5 hours before i was connected to a agent, after talking to the agent and then escalating the call to her supervision frontier airlines denied refunding the funds back to my credited card and instead gibing me travel credit for 6 months which i explained that the trip was planned for my family who was visiting from XXXX for XXXX so i cant use that travel credit since Frontier airline disturbed the flight this was also a violation DOT ( Dept of of Transportation ) regulations issued recently for airlines to strictly follow for full refunds on the disrupted flights. 

I gave them all the references but the call centered was located in XXXX and they kept saying that they dint have any updated regulations from there management and they are bound to follow there airline rules for which i said DOT supersedes airlines rules as they are regulators in USA but they keep arguing and didn't listen or act on any proof that i provided from DOT and kept blaming that its a part of flight that is disrupted and we can rebook it and never were able to understand the real issue that my family is gone back to XXXX now and we cant use it any way. 

After a long 2 hour conversation they rudely disconnected the call, i called again and waited 3 hours and they had the same argument again and wouldn't even listen or follow DOT guidelines and kept twisting and rebooking my airfare in the form of travel credit and saying i cant get it refunded caz i already took travel credit which was false statement as they made me do every thing and then trap me so i cant get a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

PenFed is reporting to inquires on my credit file that I did not authorize. I have a fraud alert set up on my credit file and I did not receive a call to verify any information. Therefor I did not authorize theses inquires.
Product: Checking or savings account

I just got paid today XX/XX/2022, and I go to check my Wells Fargo account to see my funds to plan accordingly with my payments, mainly to move funds around for bills etc. 

I noticed a charge for {$63.00} XXXX XXXX. AZ XXXX Additional Info Category DIRECT MARKETING- CONTINUITY/ SUBSCRIPTION MERCHANTS Transaction description PURCHASE XXXX XXXX I dont even own a computer to have XXXXXXXX XXXX purchased. I called the XXXX number and was greeted by a foreigner named XXXX who then tried to have me give him more information about my Wells Fargo account. To which I then hung up the phone to dispute this unauthorized purchase. 

My old Wells Fargo Debit card also had a unauthorized charge. They cancelled it, got a new one, and it hasnt even been a week since I had this card before I was charge do again. I even have the time stamp of XXXX. I currently didnt even have any money at the time of this unauthorized charge. Because when I checked my spam emails I noticed that I received one from Wells Fargo indicating that my account had reached XXXX dollars. When I actually had about XXXX dollars in my account prior to my pay check coming in. I just want these unauthorized purchases to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe 10 % of a business two years ago, I had a credit card i open with the company i was let go and my shares of the business was sold. I never hear anything about the business credit card. I never got a statement by mail or access to get statement from online.

after two years the company one day just put it on my personal account due to the company not paying the bill. I have not work for that company for two years and no statements was send to me tell me the payment past due. I was never given a notices about this before they decision to put this on my personal credit and they reported it ask a personal account and not a business account.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I received a check to cover damage to my house from XXXX Insurance ... the check was made out to Me and note holder Nationstar. They refuse to endorse the check so I can receive the funds. I sent a letter, certified mail to their attorney in Texas ... they received it and they still have not endorsed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. XXXX, and XXXX took the last collection off my report which was a {$320.00} from A collection agency. However, Equifax refuses to take it off. When I called them on XX/XX/2019 they put me through all these cks to verify my identity when I get to a live person they hang up on me. I tried to call back several times and they are unreachable. I checked my Equifax score today XXXX XX/XX/2019 my score dropped 34 points they refuse to help me and tell me why.
Product: Credit reporting or other personal consumer reports

Transunion refuses to remove fraudulent inquiries from my report. I have tried several times to have them removed. They are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX, had negative and false and misleading information reported to my consumer reports all 3 including XXXX XXXX and XXXX by Jefferson capital systems on XX/XX/2024 for and alleged debt of {$900.00} which significantly damaged my credit, on a collection of an alleged debt by XXXX, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate. NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified
Product: Debt collection

A letter was sent on XX/XX/2019 from American Coradius International stating I owed {$1000.00} to XXXX XXXX. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Fraudulent Account with XXXX XXXX Bank Dear CFPB, I am writing to formally dispute an account that has been inaccurately reported as belonging to me with XXXXXXXX XXXX XXXX The details of the account are as follows : Account Details : Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Current Balance : {$1400.00} Payment Status : Late 120 Days This account is fraudulent and is not mine. I have not authorized any transactions or applications with XXXXXXXX XXXX XXXX As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this matter but have yet to receive any resolution. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute any information in their credit report that they believe is inaccurate or incomplete. The credit reporting agencies must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act protects consumers from deceptive practices by debt collectors and ensures that they do not report information related to debts that do not belong to the consumer.

Identity Theft and Assumption Deterrence Act ( ITADA ) : This law addresses identity theft and provides consumers with tools to combat fraudulent accounts and activities that may appear on their credit reports.

I am requesting the immediate removal of this fraudulent account from my credit reports and demand a thorough investigation into this matter. Please notify me of the actions being taken to resolve my dispute. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and disputed this account XXXX  card services Acct # XXXX with XXXX XXXX and Experian. I also filed a fraud dispute with XXXX card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and my request for the correction and removing of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX BANK XXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX UNIVERSITY XXXX Balance-
Product: Credit card

I have disputed an discover credit card account on my credit profile a few times, keeps getting rejected. I did not know at the time where this account started because i did not open it until recently. I had another account that was opened unknowingly to me and i had it removed from my report which made me dig a little deeper. My mother passed away recently and i was sent her belongings from relatives, inside her belongings was a bunch of credit cards. There were 4 cards in her possession that were under my name that i was not aware of. After putting the dates together i believe that she was the one to open this account and others under my name.
Product: Credit card

I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay. 

Thank you, XXXX XXXX
Product: Debt collection

Re : **Dispute and Demand for Debt Validation Under the FDCPA Account No. : XXXX XXXX Dear Sir or Madam, I am writing to formally dispute and demand immediate validation of the alleged debt associated with the above-referenced account. I unequivocally state that I have never purchased or taken possession of any vehicle from your company. Consequently, I deny any liability for this account and insist that you provide concrete evidence supporting your claim, as required under the Fair Debt Collection Practices Act ( XXXX  ). 

**Account Information for Your Reference : ** - **Account Name : ** FRD MOTOR CR - XXXX Number : ** XXXX XXXX - **Account Type : ** Installment Account - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed Charged off as Bad Debt ( Status updated XX/XX/XXXX ) - **Current Balance : ** {$15000.00} ( as of XX/XX/XXXX ) - **Original Balance : ** {$26000.00} - **Last Payment Date : ** XX/XX/XXXX - **Past Due Amount : ** {$15000.00} - **Terms : ** XXXX  Months - **Responsibility : ** Individual Account Under the FDCPA, I demand that you provide the following documentation without delay : XXXX. **Proof of Transaction : ** Provide copies of any contracts, purchase agreements, or documentation that purports to show that I agreed to purchase or finance the vehicle in question. 

XXXX. **Chain of Title and Assignment : ** Furnish a complete record detailing the chain of title and assignment that purportedly links this account to me, including all documentation establishing your legal standing to collect on this alleged debt. 

XXXX. **Verification of XXXX XXXX : ** XXXX detailed account statements that verify how the current balance of {$15000.00} was determined, including a breakdown of any fees, charges, or interest that have been applied. 

Given that I have never purchased or taken possession of the vehicle, I consider this alleged debt to be erroneous. I also question why your office is attempting to collect on a debt for a transaction that never occurred. If you are unable to provide the requested documentation that unequivocally ties this debt to a bona fide transaction involving me, you are required to immediately cease all collection efforts and remove any related information from my credit files. 

Please note that failure to comply with this demand within XXXX days** from your receipt of this letter will leave me no choice but to take appropriate legal action. This XXXX include filing formal complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and any other relevant regulatory agencies, as well as pursuing any and all legal remedies available under the FDCPA. 

All future communications regarding this matter must be in writing and sent to the address listed above. 

Thank you for your immediate attention to this serious matter. I expect your prompt response within XXXX days** of receipt of this letter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

This is not my account. I did not take out or authorize any loans with this company ( Nelnet )