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

In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 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, in accordance with the FCRA inquiries are not a matter of fact, you are obligated to verify the information or not reported to your users. Please prove that the creditors has my signature requesting these unauthorized inquiries, or if this is impossible, or unverifiable remove them immediately. Per FCRA 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The mixed information on my credit report is outrageous. Accounts that are not mine are listed under my name, causing severe harm to my credit score.
Product: Credit card or prepaid card

Capital One is willfully breaking federal law by not processing at all my credit card dispute ( including not even contacting the merchant ) for which I had given written and pictorial evidence to them by their prescribed deadline of XX/XX/XXXX via their online portal link ( and in fact the email to their online portal gave me 2 weeks from XX/XX/XXXX to submit my documentation- but at any rate I did submit my document before Midnight EST on XX/XX/XXXX ). Due to either technology mismanagement at Capital One and/or XXXX animus by totally disregarding any evidence provided by people of XXXX, Capital One believes they are totally exempt from abiding by federal law.
Product: Credit reporting or other personal consumer reports

I opened in regards at least XXXX inquires with the CFPB XXXX and XXXX. 
Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this XXXX Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. 
I made Aware CITIBANK THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. 
Today I received an email by XXXX showing the amount I legally disputed with CITIBANK for services not received as Delinquent Account. 
This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. 
As well I'm including in this inquire to XXXX to have remove a Legally Disputed for services not received, and to have XXXX not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also XXXX will be included in the Legal Action after this formally inquire.
Product: Credit reporting

The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance.
Product: Credit reporting or other personal consumer reports

Since 2021. I have disputing a late paymen on my XXXX XXXX car loan. I spoke with XXXX XXXX and they agreed that theres a discrepancy. And they informed to dispute it and they won't fight it. The issue came from their end and whoever handled my account. 
No matter what Experian always respond back to me as accurate. Out of all my dispute I was only provided payment statement and you can see the discrepancy. All payments made on time except one that only showed partial payment. As Per agreement between myself and XXXX XXXX I request this issue to finally be resolved. I believe I have the recorded phone call. I will need to find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed a late payment on. my experian report the dispute was for an XXXX XXXX XXXX account after investigation that took place the same late payments was on my credit report and it is a closed case XX/XX/XXXX XXXX and the case was paid by in full for less the bill. after the exact decision was made my XXXX XXXX dropped XXXX points.
Product: Debt collection

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave Wakefield and associates any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with Wakefield and associates. Wakefield and associates has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave Wakefield and associates ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. Wakefield and associates has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. Wakefield and associates has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). Wakefield and associates used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). Wakefield and associates repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K.

Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations.

Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be zeroed out immediately!
Product: Credit card or prepaid card

To Whom It May Concern : I am thrilled to finally have obtained a gas card during a pandemic. However, I was surprised when I noted the Chevron Premium Card XXXX TX XXXX XXXX for {$25.00} billed to my account. This was and is not authorized and must be canceled, reversed, and credited back to my account immediately. Failure to do so will result in account closure and a small claims suit being filed.
Product: Mortgage

In XXXX XXXX, my wife and I bought a house - the mortgage was set up with XXXX. Shortly after closing, Access National sold the mortgage to CMC Funding ( " CMC '' ), a wholly-owned subsidiary of Capital Markets Cooperative, LLC. We were directed to send the monthly loan payments to XXXX. 

We have had problems with XXXX servicing our mortgage. Specifically, we had XXXX problems when we attempted to make additional payments to reduce the remaining principal on the loan. On XXXX XXXX, XXXX I sent XXXX checks totaling {$40000.00} to pay down the principal. On XXXX XXXX, I noticed ( on the XXXX web site ) that checks had not been applied to our account nor had the checks cleared our bank accounts. I called XXXX 's customer support to inquire and was told I had sent the checks to the wrong address - even though it was the address listed on their web site and the same address that I had previously sent checks. Over the past week ( XXXX XXXX thru XXXX XXXX ), I have worked with XXXX to resolve the issue. XXXX 's president, XXXX XXXX was very responsive and I have no complaint regarding XXXX. 

I also attempted to contact CMC because to my understanding, my legal is agreement is with CMC, not XXXX. They were completely unresponsive. Their web site directed me to call a phone number for a person that covered the Midwest. I left a message on XXXX XXXX requesting a call back - no call back - and called again on XXXX XXXX - no answer. I attempted to contact CMC via an electronic form on their web site - the form does not work. I contacted their XXXX, XXXX XXXX, via LinkedIn and received no response. I called a phone number on their web site - not only was there no answer, there was no voicemail. I talked with my contact at XXXX and apparently they were unable to get a response from CMC. 

While CMC 's internet presence is what I would expect for a mortgage company, their lack of response makes me question whether they are a legitimate company. How can a company be in the mortgage business and yet be unreachable by phone or electronically? 

I have a lot of questions for CMC - first of all, why was my loan assigned to a loan servicing company in XX/XX/XXXX known to have terrible customer service under their previous leadership - and later found to be guilty of fraudulent business practices? I want to know what is going on with the " wrong address '' problem. Did CMC intentionally make it difficult for customers to pay down the principal with additional payments? I also want to know if CMC was involved in the Equity Accelerator scheme. 

Last, I want CMC to hear firsthand from me regarding the impact of these problems - the trouble that it has caused me. My legal agreement is with CMC and I hold them accountable for all of these problems and consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX, Equifax and XXXX along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from XXXX they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.
Product: Credit card

Citibank has engaged in unfair and deceptive practices by relying on inaccurate information to deny my credit application, violating my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). This denial appears to be based on a prohibited basis, as it lacked proper notice and transparency. I am formally requesting a copy of the consumer report used to make this decision. Citibank has five ( 5 ) days to provide the requested report and rectify this matter. If this issue is not resolved promptly, I will take legal action to protect my rights.
Product: Mortgage

I am elderly retired person. My loan was modified as per loan modification agreement dated XXXX XXXX, Principal balance amount {$960000.00} interest only was supposed to be capital & interest payment ( capital reducing ) from XXXX XXXX. Loan modification agreement was not complied by the lender from XXXX. 
Out standing mortgaged XXXX {$960000.00} started going up increasing every month regularly instead of coming down. I made several complaints verbal & written to the lenders, they acknowledged but no action was taken over long period of time. I want situation to corrected as per agreement & I should be compensated.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also JPMCB detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is from a fraudulent address. Please remove
Product: Debt collection

Starting XX/XX/XXXX the number XXXX claiming to be XXXX called me regarding a matter from XX/XX/XXXX. When you first answer their recording states " You will be serviced legal paperwork in 72 hours '' When someone answered the phone the man kept saying that he was on the phone with the courts. They stated that I needed to speak with their supervisor because I was going to be sued. The Supervisor got on the phone and told me that I owed {$310.00} but if I paid that day on XX/XX/XXXX and that day only that they could drop the price to {$220.00}. I tried to explain that I needed to look into this claim and they pretty much made it seem like I only had two or three days to look into this without getting sued. They stated that they were XXXX and that they were working on behalf of XXXX XXXX XXXX or XXXX XXXX XXXX. I looked into this claim on XX/XX/XXXX and then received a phone call again from XXXX on XX/XX/XXXX wondering when I was going to pay because my account was in pre litigation with their office. They never offered to send me anything in the mail regarding the debt as I have not received anything from neither FCS or XXXX XXXX XXXX. When I spoke with the man on XX/XX/XXXX he was all over the place putting me on hold saying " Oh sorry I was on the line with the courts '' and then he finally got me to the supervisor where they stated they would look into my questioning as to why the other man kept stating he was on the line with the courts which made it seem like I was being sued right then and there. They never got back to me. I set up an arrangement I was not comfortable with because I felt like if I did not then I was going to be sued right away. I have attempted to call XXXX XXXX XXXX a few times and have left voicemails and have had no returned phone calls I called on XX/XX/XXXX and XX/XX/XXXX. So far they have not been able to prove this debt to me which also has my maiden name and I have not used that name in 6 years. Also when I asked about the debt they just kept saying it should be on your credit report.
Product: Student loan

My loan was purchased by Wells Fargo from my original lender with whom I had been in good standing. Wells Fargo changed the terms of the loan, unbeknownst to me, to compound interest daily. They refused to allow me to pay any more than the minimum payment unless I opened an account with them which I flatly refused.
Product: Credit card or prepaid card

Can not access online accounts for several credit cards through Comenity BankXXXX XXXX XXXX XXXX used anywhere, but also store cards for XXXX XXXX and XXXX XXXX I spoke with a representative, XXXX, on Thursday XX/XX/XXXX. I was told the company was aware of the problem and that the website should be working within 24 hours. It is now XX/XX/XXXX and I still am unable to access my accounts to verify any transactions or to make any payments. The company suggest using easy pay option, but with paperless billing for 2 of the accounts, I do not know my account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

XXXX  : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 5. XXXX XXXX XXXX  - Inquiries on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized XXXX : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX  - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date : XX/XX/XXXX Equifax : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Student loan

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint against Nelnet for Fraudulent Accounts To Whom It May Concern : I am writing to file a formal complaint against Nelnet for their failure to address fraudulent accounts opened in my name. I am a victim of identity theft that occurred while I was XXXXXXXX XXXX XXXX XXXX and Nelnet has not taken appropriate action to resolve this issue.

Key points of my complaint : 1. Multiple fraudulent accounts were opened in my name with Nelnet while I was on XXXX XXXX XXXXXXXX. 

XXXX. I became aware of these accounts upon XXXX XXXX XXXXXXXX and immediately reported them as fraudulent. 

XXXX. I filed a police report documenting the identity theft and fraudulent accounts. A copy of this report was sent to Nelnet. 

XXXX. Despite providing Nelnet with the police report and explaining my situation, they have not responded or taken any action to remove these fraudulent accounts from my credit report. 

XXXX. These fraudulent accounts are negatively impacting my credit score and financial well-being. 

XXXX. As an XXXXXXXX XXXX XXXX XXXX at the time of the fraud, I believe I am entitled to additional protections under the Servicemembers Civil Relief Act ( SCRA ). 

I have made good faith efforts to resolve this issue directly with Nelnet, but they have been unresponsive. I respectfully request that the CFPB investigate this matter and require Nelnet to : 1. Remove all fraudulent accounts opened in my name. 
XXXX. Correct any negative information reported to credit bureaus as a result of these fraudulent accounts. 
XXXX. Provide a written explanation of how this situation occurred and what steps they will take to prevent similar incidents in the future. 

I am prepared to provide any additional documentation or information required to support my complaint. Thank you for your attention to this matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I took out a personal line of credit on XX/XX/2023 for medical purposes. Loan number XXXX This was with a tribal company Opichi Funds LLC po box XXXX XXXXXXXX XXXX XXXXXXXX. The amount was {$3000.00}. It was my understanding the interest was {$300.00} a month because that is what the first bill stated due on XX/XX/2023. I am not working due to hospitalization but knew I could get help to pay that monthly. I have now received a bill for {$3800.00} due on XX/XX/XXXX. I contacted them today because I took out he line of credit for medical purposes and am currently undergoing treatments and have the medical documentation as evidence. I had no idea the interest was 338.75 % which is what I am now being told. I asked if I could stop the interest and would attempt to pay {$300.00} a month for XXXX months to pay the original amount plus the {$300.00}. I was told they could do nothing and would not work with me. Please help me resolve this. I contacted an attorney and was told let them take me to court because it would be thrown out in the State of Tennessee and he would represent me. My other option is to include it in a bankruptcy. I would like to attempt to work something out with them but they will not.