23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unable to access account statement. Issues with online login and company verification is highly restricted from disclosure of information to details. Unable to get complete details of account.
Product: Student loan

I am disputing a XXXX late payment reported by Nelnet on XXXX federal student loan because I was never properly notified before it was reported to the credit bureaus. Nelnet claims that they sent billing statements and attempted to contact me via phone calls, voicemails, and physical mail, but this is incorrect. 

I never received any phone calls or voicemails from Nelnet. I checked my call logs and voicemail history, and there is no record of Nelnet attempting to reach me. 
I never received physical mail regarding my past-due balance. If Nelnet claims otherwise, they should provide proof that letters were sent and delivered. 
All Nelnet emails were automatically filtered into my spam folder. Because of this, I did not see any notices about my loan payments. I have attached screenshots showing that all Nelnet communications were marked as spam, which prevented me from receiving them in my inbox. 
The first time I became aware that my account was past due was when I saw the late payment on my credit report. As soon as I saw the delinquency affecting my XXXX XXXX, I immediately made a payment on XXXX XXXX, 2025, to bring my account current. 

Because I was never properly notified and Nelnet has failed to provide proof of their alleged phone calls and mailed notices, I am requesting that this late payment be removed from my credit report. Their failure to notify me through reasonable means before reporting my account as delinquent resulted in unfair credit reporting, which violates fair consumer practices. 

If Nelnet can not provide verifiable proof of phone calls, voicemails, or mailed notices, I ask that the late payment be removed immediately to correct the inaccurate reporting. 

I appreciate the CFPBXXXX assistance in resolving this issue. Please find my supporting screenshots of Nelnet emails in my spam folder attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 



There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. 



These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. 
I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 



I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. 



Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 



Respectfully yours XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with Transunion, XXXX  and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, Transunion and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, XXXX and Transunion Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from Transunion and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX and Transunion to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX WFXXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX RE : Account # : XXXX To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. 
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. 
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Identification of the specific information being disputed : WF/XXXXXXXX XXXXXXXX Charged Off Account Basis for dispute : 1. Payment Due of {$890.00} on XXXX While {$0.00} on XXXX 2. Date Last payment XXXX and XXXX are incorrect. 
Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660. 4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also notify the credit reporting agencies of deletion of this information promptly from my credit file. 
XXXX XXXX XXXXXXXX XXXX, 2002 provides a cause of action for individuals against furnishers of information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct. XXXX, 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 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: Mortgage

Client entered into contract with XXXX XXXX on XX/XX/2019 to purchase a new construction home with USDA financing. The customer was given a {$8000.00} credit towards closings cost if they used the home builder 's financing team, NVR Mortgage Finance , INC . Customer submitted a deposit in the amount of {$3500.00}, on the contract date of XX/XX/2019. 

On XX/XX/2019, customer submitted required documentation to NVR through client portal. NVR then notified that the clients did not qualify for the USDA loan program. NVR has since notified the clients that they could qualify for a 5 % conventional or a 3.5 % FHA loan which is not the loan type, nor the interest rate that they initially applied for. USDA offers zero percent down payment and a lower interest rate. The loan programs NVR is offering the clients, not only require down payment but also have a higher interest rate and higher monthly mortgage commitment. Client does not have the required funds to continue with a 5 % conventional or 3.5 % FHA, which was outlined to the home builder representative on contract date of XX/XX/2019. 

Customer and real estate agent have contacted the home builder representative and manager multiple times to initiate the deposit refund process and have been told numerous times that the deposit of {$3500.00} will not be refunded back to the client, due to the fact that permitting process has already been initiated. Clients and real estate agent have both researched the new property address within the XXXX County Permitting Department and no records show that permitting has been initiated for that lot, which differs from the information clients were given on reasoning for denied deposit refund. 

Clients and real estate agent have requested the loan break out / cost estimates from NVR for the 5 % conventional and 3.5 % FHA and have yet to receive the information but have received the loan application through their client portal. In addition to not receiving this requested information, the seller ( XXXX XXXX ) credit of {$8000.00} was not reflected in the conventional Uniform Residential Loan Application that NVR sent to the client. Instead, the credit outlined was only {$7400.00}.

Both NVR and XXXX XXXX have used intimidation tactics to ideally force the clients into using NVR Mortgage and obtaining a mortgage with a higher interest rate and more money required for down payment. The clients feel forced into moving forward with a loan they could potentially not afford, since the home builder will not refund their deposit. The clients do not wish to move forward and have notified XXXX XXXX numerous times. XXXX XXXX has expressed that the deposit will not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2021, I submitted a dispute to Experian regarding an account that is reporting inaccurately on my credit report. It is an XXXX account that is in charge-off status and does not belong to me. I asked that Experian delete the account and send written confirmation of the deletion of this account, because it is fraudulent. Experian claimed to have " verified this information '', but gave no written response or details of this verification.
Product: Credit card

HELLO MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT BECAUSE I PREVIOUSLY CALLED BARCLAY BANK TO REPORT THE THEFT OF THE CREDIT CARD OF MY AUTHORIZED USER [ XXXX XXXX ] WHERE MULTIPLE FRAUDULENT TRANSACTIONS WERE MADE TO MY ACCOUNT, BUT THE BANK HAS NOT YET OPENED THE CLAIM FOR THE FRAUDULENT TRANSACTIONS THAT I HAVE ALREADY CALLED 2 TIMES TO MAKE THE SAME REPORT
Product: Money transfer, virtual currency, or money service

No dates, no amounts where take by me only a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In May they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on TransUnion and one that I am aware of at this time on XXXX. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my XXXX Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both TransUnion and XXXX say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.
Product: Debt collection

This complaint is not about XXXX XXXX XXXX. A gentleman keeps calling me stating he is with Global. He has attempted to set up payments for a debt that global is trying to collect on. I have not received any initial communication letters from Global and when I asked for a address to send a certified letter he got frustrated and told me he did n't have an address. He has n't given me a full name of the collections agency so I ca n't do my own research. I asked for validation of the debt and he told me no, that he would email me the initial communication letter. Today, while at an appointment I had to stop his call 3 times. The first time I called him back was because I had a threatening message on my voicemail about getting served at work. Clearly a scare tactic as I have no proof of the debt. This message was also left on my mother and my husbands phone. I attached a screen shot of the voice mail.
Product: Debt collection

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>1924 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

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

XXXX CARD SERVICES Inquiry : XXXX. XXXX, XXXX and on XXXX, XXXX I never have permission for them to pull my credit please Delete
Product: Credit card

When buying an item on home depots website, a credit application comes up showing a price of {$670.00} if I apply for their credit. After the credit approval the credit promotion actually raises the price. I was deceived into applying for this credit card because my only purpose was to receive the advertised price. I talk to both home Depot customer service and home Depot credit services, both said that they will not honor the advertised price. More importantly this this deception targets veterans as the promotional price does not mention or reflect removing their discount.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

LendMark Financial Services recently acquired XXXX XXXX XXXX in XXXX 2016. 
Consumer is a XXXX XXXX loan customer. An original loan in the amount of {$2000.00} + {$1000.00} with XXXX were granted to consumer in XXXX, WV store. The loan are rated sub-prime and loans APR are 24 % - 27 % to consumers with limited or marginal credit. Or less credit than most. 

Since Lendmark acquired XXXX, all loan requirements and paperwork are different to the XXXX consumer ; if loan funds are added the consumer must comply with inflated APR 's in each state. The APR can increase from existing loan amount sto a maximum of 36 %. 
Consumers are held to LendMark standards and no longer to the XXXX requirements ; means if consumer needs additional funds all loans are under new rules and regulations. 
Consumer contends that LendMark offers predatory loans and should have grandfathered -- XXXX loans with similar rates to the contracts signed at the time of lending. And, due to acquistiion consumers facing inflated APR amounts is n't fair practice. 
In addition, if consumer chooses to re-finance and/or pay-off a loan from one store to another ; why is consumer being rated at higher inflated APR rates ; due to state by state laws. 
LendMark Finanacial Services should not be providing predatory loans and inflated amounts merely because of acquisition ; and the purpose to recover acquisitions losses ; whereas the consumer will eventually be a part of said purchase.
Product: Mortgage

When I received my tax bill from the county, I contacted Chase to confirm that they will pay it from my escrow account. They said Rest assured that nothing is required from you. We will always pay for your tax since it is part of your escrow account. 

However, what they failed to inform me was that they do NOT pay the supplemental tax bill from escrow ( even though the amount I was charged every month would be enough to cover it ). When the payment was late, I was charged a {$200.00} late fee from the county. 

I contacted Chase and they said they will not reimburse me for the {$200.00} late fee even though they told me they would pay the bill. Upon second contact they said that it said in my closing documents that they do not pay supplemental bills from escrow. However, I reviewed all my signing documents and could not find any such language. Chase bought my mortgage from my lender last year and the original lender never notified me of this either.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$1000.00} from Way2Go debit card to XXXX checking account on XX/XX/2022, through the App. I put the right routing number and account number, app required to put routing and account number XXXX times. I have checked the numbers very carefully. Everything was correct, so I click the transfer button. I got an email that the transfer was successful. 
It has been 4 days so far, I didn't get my transfer fund yet to the XXXX bank. 
I called Way2Go card and found out that the first number of account which the bank was supposed to transfer was missing. The technical issue or I don't know .... I did everything right. The App was something wrong. 
{$1000.00} was GONE!!!!!