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

XXXX XXXX  Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Mortgage

In XX/XX/2018 my mortgage was transferred to Mr. Cooper for servicing. My mortgage was on auto-payment with the previous servicer, that charged my checking account on the first of every month. On XX/XX/XXXX, I logged into my mortgage account at Mr. Cooper to see if they would continue with the auto-payment. My account showed no auto-payment for XXXX and indicated the next auto-payment would be XX/XX/XXXX. To make sure that my payment was on time, I made a manual payment to charge my checking account at XXXX. On the night of XX/XX/2018, my XXXX account was charged twice- once for my manual payment and an auto-payment from Mr. Cooper XXXX 

I called Mr. Cooper on XX/XX/XXXX to see what could be done and the Service Rep got a rep from XXXX on the phone. After some discussion, it was decided that the best course of action was for me to place a stop payment on my account for the mortgage payment and resubmit the payment later in the week after lifting the stop payment. I would be charged a {$30.00} overdraft fee by XXXX, but I was okay with that. The Mr. Cooper said there would be a {$20.00} returned payment fee, but she would be happy to waive it. 

The fee was not waived and was charged to my Mr. Cooper account. I am not sure of the exact date, but sometime in mid to late XXXX, I called Mr. Cooper and explained what happened and ask to have the fee reversed. The rep said that they would submit the fee for reversal. 

During the week of XX/XX/XXXX, I noticed the fee had not been reversed and called Mr. Cooper. The service rep apologized and said she would make sure the fee was reversed. 

Today, XX/XX/2018 I logged into my Mr. Cooper account and saw that the fee still showed in my account.
Product: Credit card

I was researching to consolidate credit card debt. Lending tree rated a Chase credit card as very good. Filled out the application to see what l could qualify for. They stated on the web site, amount and interest % based on qualifying credit. The next thing I knew I was being congragelated for my new credit card! ( XXXX mins. ). I was never shown the terms of the credit card to either accept or decline before they issued the account! Whith in XXXX seconds I spent XXXX minutes trying to contact and speak to someone with Chase credit card support to decline the credit card. Very rude and condescending customer support. There only solution that was offered to me was to cancel the account, an account I never had the opportunity to view the terms of. I voiced my displeaser on the negative consequences of opening and cancelling a credit account towards my credit history report. Basically told " not their problem ''.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent activity has been reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account and inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX  promptly removed the inaccurate entry from my credit reports and sent an updated copy. However, Experian said they verified the entry with XXXX XXXX and it was certified as accurate by them. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have had no response from XXXX XXXX and under credit reporting law the period for them to respond has elapsed. I sent Experian a letter, via tracked priority mail, along with a copy of the dispute letter that was sent to XXXX XXXX and informed Experian that no response was received from the company that supposedly certified the entry was accurate. Experian responded by placing a fraud alert on my credit report, this was never requested. Then in one day they sent back a letter saying they had investigated and once again the XXXX XXXX  certified the entry as being accurate on my credit report. Obviously Experian used the previous certification, if Experian ever even asked for one, of the entry as even the " provider of the information '' can not provide any backup information regarding this entry. Experian must feel it is less costly to not properly investigate the inaccurate entry on the credit report than to follow Federal Law stating that credit reports must be 100 % accurate and that unverifiable data must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of Refinancing the Home Loan and the XXXX XXXX said I could call Equifax to get a free Credit Report. 
I called Equifax but the Agent completely disregards my request for the Free Credit Report, she instead wanting to process the Annual Free Credit Report that I am already entitled for every 12 months. And, she further to tell me I have to call my XXXX XXXX to get my report. When I asked to speak to the Supervisor, I didn't get to talk to her right away but have to wait for 25 minutes to talk to the Supervisor, XXXX. 

And the Supervisor, is asking whole bunch of Security Question but you could not tell me how many question you going to ask, everything is system generated, things like my Home Mortgage Loan, Auto Loan, Credit Card, etc ... .. 

Equifax is not making it easy for me to get my Credit Report, Can someone help. 
Thanks. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unsubscribed from all email communications from Transunion 2 times, on or about XX/XX/XXXX and again on XX/XX/XXXX. I continue to receive emails from them pushing their subscription services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am writing a formal complaint to express my worries about Zelle and their handling of disputes, particularly regarding the recent CFPB lawsuit. There are significant issues that need to be addressed within the app. Zelle failed to handle any of my cases with care. Their communication has been lackluster this whole time, and none of my cases were resolved effectively. The CFPBs findings show that Zelle totally disregard any of their consumers and does not effectively correct any of the vulnerabilities that exist within their platform and leaves their consumers vulnerable to more attacks. I have many concerns over safety and future handling of situations such as this.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$640.00} - late/OPEN - XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} - late/OPEN - XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed multiple requests including my social security card and Drivers License, one was mailed XXXX certified mail, the second was mailed XXXX certified mail, I also called Equifax 12 times, they are unable to verify me over the phone and each time they tell me resubmit my documents so that I am able to place a freeze on my report. 
My credit report has over 20 inquiries because someone is trying to obtain credit in my name. As a consumer this does not help me and I send my information all over the place which is dangerous
Product: Mortgage

I have lived in my house since XX/XX/XXXX purchase {$340000.00}. My princpal loan should be lower by now but my mortgage was a predatory morgage sold to me by Wells Fargo. The initial loan term was 6.75 % 30 years fixed interest only. Because the loan was predatory, we defaulted in the time of recession. When i requested for loan modification on the loan on or about XX/XX/XXXX, Wells Fargo Charged me interest of {$19000.00}, before modifying my loan. While other banks forgave debt. What Wells Fargo did to my family is causing undue fininacial hardship and the bulk of my loan is left to be paid. Although we are far advance on the 30years payment we still have high principal balance {$270000.00}. What Wells Fargo did to us is unfair and predatory. Therefore, we demand that Wells Fargo pay us back {$19000.00} with interest for selling to us predatory mortgage and we request debt forgiveness. Predatory loan mortages is a crime and should be banned from American. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXXXXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at XXXX XXXX XXXX. 

I have prepared a request for debt validation to be mailed to Direct Recovery Services on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX XXXX 's account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.
Product: Debt collection

Capitol One account opened XXXX, company reporting as a charge off/written off with a balance of {$640.00}. Company fraudulently reported as a negative debit, however, the company has filed it as a loss and did not provide me with a 1099C to report as income. The balance on this account is also reporting incorrect, I have reached out to them multiple times in regards to this debt with no resolutions.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Address and Name Spelling on Credit Report Dear : Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccuracies present on my credit report, specifically pertaining to my address and name spelling. The information provided in my credit report is erroneous and does not accurately reflect my personal details. 

XXXX. Incorrect Address : The current address listed on my credit report is [ Incorrect Address XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ], which is not my residential address. This discrepancy could potentially lead to misunderstandings and complications in financial transactions. My correct residential address is [ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX ], which I have provided consistently to financial institutions and credit agencies. 

XXXX. Name Spelling Error : Furthermore, my name is misspelled on the credit report. My correct name is [ XXXX XXXX XXXX ], but the report lists it as [ XXXX XXXX, XXXX XXXX, ]. This misspelling not only undermines the accuracy of the report but also creates confusion and may impact my creditworthiness. These inaccuracies are concerning as they could adversely affect my ability to access credit and financial services. I have taken the necessary steps to ensure that accurate information is provided to credit reporting agencies, yet these errors persist, reflecting a systemic issue that requires attention. I kindly request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I would appreciate guidance on how to prevent similar issues from arising in the future. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by Nissan Motor Acceptance Company Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with Nissan Motor Acceptance Company ( NMAC ) that has negatively impacted my credit report. 
On XX/XX/XXXX, I traded in a XXXX Nissan XXXX and settled the associated loan account with NMAC. Despite this, NMAC has reported to the credit bureaus that I still owe a balance on this account. I have enclosed a copy of the cleared check ( {$31000.00} ), dated XX/XX/XXXX, which confirms that the account has been paid in full.

I have called three times and emailed a letter with attached documented proof to NMAC to no avail. 
This incorrect information has adversely affected my credit score and caused significant stress. I have contacted NMAC to rectify this error, but the issue remains unresolved.

I kindly request the CFPB 's assistance in investigating this matter and ensuring that NMAC updates my credit report to accurately reflect the paid status of the account.

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

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Mortgage

My mother refinanced her home in 2008 for the amount of {$45000.00} through Wells Fargo Home mortgage and today she currently owes {$34000.00} and this is after I have paid over {$50000.00}. The major problem that I can see is that Wells Fargo approved this loan for her and she was not financially capable of paying it. At the time of approval, my mother was deemed XXXX by the social security administration and was receiving benefits roughly in the amount of {$700.00}. The other issue why she wasn't qualified is the fact that she had a car loan in her name and a judgement on her credit profile. I strongly believe that the underwriting process was fraudulent and now she's having trouble paying her mortgage. The other issue that shes on payment deferment due to covid and they are charging late fees every month.
Product: Credit card or prepaid card

My card number was used on someone elses insurance policy one time. However, it was signed up for auto-pay. I was told by a representative that no future transactions would go through from the merchant ( XXXX ) but it did again in XXXX.
Product: Student loan

1. My student loans are in FedLoanServicing, account number XXXX. On XX/XX/XXXX I was informed that my student loans were placed into deferment status as of XX/XX/XXXX. I had never requested deferment status and continued to make monthly payments. 

2. On XX/XX/XXXX I read the email and called FedLoan Servicing to see what happened. They said my loans automatically were placed in deferment because I had started graduate school. 

3. They stated that within 24 hours I would receive a form in my online account to fill out called a " deferment waiver. '' 4. It is now XX/XX/XXXX and I have no form. I called again today and they stated they would expedite my request but could not give me a time frame. 

5. I plan to apply for Public Service Loan Forgiveness and payments made in deferment DO NOT count for forgiveness.
Product: Credit card

I used chase bank ATM paid my credit card bill with {$280.00} dollars on XX/XX/2024. The ATM take my money, but my bill wasnt paid. The ATM just show me It looks like there was a problem completing your payment. Call us at XXXX for personal credit cards or XXXX for business credit cards..So I call they many times to fixed it problem. Few days later I got {$280.00} credit on my account, but today they reversed the money from my credit card account!!
Product: Credit card or prepaid card

See attatched XX/XX/2019 transactions all XX/XX/2019 credits total {$470.00} ARE REVERSED See attached XX/XX/2019 STATEMENT XX/XX/2019 ( NEW ADDITIONAL CHARGES OF {$470.00}. ) WHY?
Product: Credit reporting

Equifax Information System is reporting inaccurate information on my credit file. The inaccurate information has been furnished to Equifax by XXXX. The inaccurate information is the FIRST DATE OF DELIQUENCY ( XX/XX/2010 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has checked twice my XXXX Credit Report ( XX/XX/2019 and XX/XX/2019 ) without my authorization.
Product: Debt collection

On XX/XX/2016, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Student loan

I make my student loan payments every month with no problems. I'm grossly misinformed as to what Nelnet is doing with my student loans. One day Im told I qualify for a payment thats manageable and then the next Im told Im on a payment plan that the payments go up after a certain amount of time because Nelnet thinks Im making more money each year. So I file paperwork that shows the XXXX XXXX XXXX I work for still pays me the same if not less than what I made 4 years ago. So Nelnet decides to not only go ahead and increase my payments and also not tell me about the increase. Then they harass me with emails and phone calls telling me Im past due and refuse to fix it and bring my student loans up to date. They are threatening my credit, they are threatening my stellar repayment record. Nelnet needs to get their head out their XXXX.