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

For the last XXXX weeks, I've had to make multiple calls to nelnet in order to help me figure out my issue. They directed me to call the Department of EducationXXXX XXXX XXXX  and everyone else in order to help. And I've now found out the problem is with nelnet. My XXXX student loans have been in forbearance ( and still are in " admin forbearance '' status as of now ).. but somehow i am XXXX days late on the payments. I was only able to find this out from my XXXX XXXX app. On XX/XX/XXXX, at XXXX at night i was told my credit score changed. I open the app to check it and it went down XXXX points!!! My credit score was at XXXX and it had gone down to XXXX. I looked into why and it said my student loans were 90 days delinquent. On my XXXX XXXX, it shows a little green check for XX/XX/XXXX -- which means i was still in good standing at that time. I did my research and there are XXXX XXXX other people ( 43 % of borrowers did not resume making payments on their student loans ) out there having this SAME exact issue. I think this is absolutely absurd to drop XXXX XXXX people 's credit scores because of the forbearance running out without notifying them of this. This type of setback could have ripple effects throughout the whole economy who were looking into homeownership, a new car, etc. I have absolutely ZERO communication telling me this was going to happen. As soon as i found out, i made a payment on XXXX ( the company that bought out my loans from nelnet ) and i will be making the payments from here on out. But this has destroyed my credit score and my chance at buying a home this year.

To sum this up, my student loan services failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that now have significantly impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan services are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. I am requesting that this delinquency be removed from my credit report immediately, as it was reported without proper notification and does not accurately reflect my ability or willingness to pay. 
Please investigate this matter and correct the inaccurate information as soon as possible. Under the FCRA, nelnet is required to complete the investigation within 30 days of receiving this dispute. I request a written confirmation of the results of your investigation and updated copy of my credit report once the incorrect information has been removed. 
Thank you for your prompt attention to this matter. 
Please feel free to contact me at XXXX or XXXX if you require any further 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. Account name : 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 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 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 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 XXXX  : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

XXXX ; card no. XXXX ; XXXX ; This is a legal notification notifying as a Statement of Claim no.1 ; you hereon this day of XX/XX/year>, as an official party, hereto ; this legal notice as XXXX XXXX XXXX, I was detained from using my XXXX XXXX XXXXXXXX as an online access, as result of a certain pleading, so stating unreasonably that the account was deactivated, also a Total of {$380.00}, and more is in fact ; presently being detained by XXXX XXXX XXXX . Therefrom you as an official party XXXX card XXXX, hereto this legal notice must either confirm, this legal notice claim as either True or False within, a 72 hrs., hereafter service of this legal notice thereafter 72 hrs. any of your pleadings will hereby deem denied, and unacceptable, and you will hereby deem in certain terms, a refusal to hereby respond hereto this legal notice, you must also service your pleading ( s ), hereto, myself a XXXX XXXX XXXX email ; XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : EXETER FINANCE LLC AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Product: Debt collection

Request for Debt Validation or removal from credit report over 30 days ( no reply from debt collector ) Debt is still present on my most recent credit report Alleged Debt is not Known and not Validated via my written request via certified mail This Debt Collector has made false claims on my credit report Filed a complaint viXXXX XXXX -issue left unresolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this XXXX who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later. 
Username forgot username Password forgot password Remember my username next time
Product: Debt collection

I sent a certified letter to Hunter Warfield on XX/XX/XXXX explaining to them that they were collecting a debt that was not owed and untrue. That after learning about the debt that was not owed and was brought on by an apartment complex that tried to take a retired military vet for his hard earn money, we are filing a civil suit against the company that they say a debt is owed. As of XX/XX/XXXX I have not received a responds from Hunter Warfield INC. So I dispute these claims with all 3 credit agency, and as of XX/XX/XXXX I received a respond saying dispute not specific, verified and updated. But I did not receive any proof on how Hunter Warfield claims I owe the debt. I have proof that this apartment complex and Hunter Warfield INC are trying to collect a debt that is not owed. We lived in this apartment for 18 months, 12 months lease ( attached ) and we did n't sign a new lease because I was due for orders. So we went on a month to month lease and my rent increased by XXXX. As you can see our rent was XXXX a month ( we were only late once in the 20 months we lived there ) on the move in date, I was told to do a check list o all the things that needed to be taking care of. I was told it would, our main concern was or carpet was no new, and have some wear and tear. They told us not to worry about that, new carpet would be put in, but it never was. We also paid a security deposit of XXXX. 
Fast forward to our move out date, we got a notice of how much we owed and if we want a inspection of the apartment before we moved out, we had to sign and return paper. We did but we never got a inspection, they told me when I returned the keys, everything was good, and I told them to keep the security deposit to cover the 9 days for the month of XX/XX/XXXX ( XXXX ) and to just sent the remained balance to my current address. And from that day XX/XX/XXXX I had no concerns or worried that I owed any money to them. Fast forward to 11 days after we move out, we get an estimate, no a bill but an estimate for new flooring and carpet ( attach ). When contacting them I explain that they never did a walk through, when I turned in my keys and was told everything was good. The manger told me she would get back to me and never did. So I assume it was cleared and moved on. But now I have this collection agency trying to collect on a debt that is not owed. I 've attached my finally bill from them stating was was refundale ( XXXX ) and our rent owed for XX/XX/XXXX-XX/XX/XXXX for XXXX. Also no utilties that where due as well. I 've also attached final statement copy of them charging me, late charges on a bill I never received ( XXXX ) and month to month Charge of XXXX, rent for XXXX when we were charged for 9 days and now they charging more, for a balance of XXXX. They are trying to charge us additional charges for new carpet, cleaning and painting. We did not get evicted, we did not abandon our apartment. We just simply moved out and believed all was taking care of. If we were to do the math, we own XXXX XXXX not XXXX that is falsely being report on my credit. I 've attach all paperwork to validate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked trans union to show me the information they found that shows the accounts belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian after several attempts to resolve inaccurate information listed on my credit profile, refuses to delete inaccurate information. I have provided them with ample evidence to have information removed. Furthermore, they stated that they have " verified '' all the information to be true. I have not recieved any evidence from them to prove their case however. I have contacted the creditors themselves and either they have not replied, or have not been able to locate an account in my name. If the original creditors are not finding my accounts, I am curious as to how this credit bureau has?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a {$250.00} charge on my Citibank XXXX that I did not authorize. 
Nor did I recognize the XXXX - XXXX XXXX- which appears to be a chain of hotels. 
Since I did stay at any hotels, or reserve any hotel rooms, I realized that this must have been a fraudulent charge & notified Citibank immediately ( on XX/XX/XXXX ) by phone. 
They advised me that it would take a week or so to investigate & reverse this charge. 
I then followed up XXXX  to check on the status of their investigation and was advised " it was still under investigation ''. 
It seemed as if nothing was being done at all and this fraudulent charge is still on my Citibank account. 
It is now XX/XX/XXXX - over XXXX weeks that I notified Citibank about this charge hasd nothing has been done.
Product: Debt collection

I own a small restaurant that is a single member LLC. I was a COD customer for a local food company. The food company made a claim that I owe {$15000.00}. in a personal guarantee debt. I have disputed and provided documents to the local food company of payment. They have turned the debt over to a collection agency. I have communicated numerous times with the collection company and provided documentation showing their accounting errors and that the debt is not owed. I have also retained legal counsel and advised both parties. The debt collection company continue to harass me and my staff. I have advised them in writing no t to contact me and provided them with my legal counsels information and that I will follow legal advice. I have also, through my attorney, filed a suit in my home county against the food service company asking for a declarative judgement of any monies owed to them or me and for damages done to my business. The collection agency and the food service company have been served by the court these documents. The debt collection company still continues to harass me and my staff and acknowledges that they did get served but that I probably made that up. The harassment has cost me financially, and is damaging my business. It is making me sick and causing me undue stress. I have taken action to ask the court to decide if the money is owed, The harassment is non stop tying up my business and personal phone lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify Transunion but they stated that I would have to contact the companies directly. The information is not accurate.
Product: Debt collection

I noticed a charge on my checking account and I disputed it with my bank. I tried to contact the company XXXX XXXX XXXX to reverse charge, but they only removed {$100.00}. I disputed the charge with my bank and they investigated and returned the funds to my bank account. I contacted the credit bureau, Equifax and they would not remove the collection charge from my credit file. I have fraudulent addresses that have been used, fraudulent accounts in my name, and incorrect social security number variations, former names. Nothing helps, this keeps happening to me. I am very frustrated that the credit bureaus continue to allow people to do soft credit inquiries and put incorrect items on my file.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry has suddenly appeared on my credit report, and I have no explanation for it. I check my report consistently, yet today, I found discrepancies that I wasnt expecting. I even refreshed my browser multiple times, thinking it could be a temporary error, but the issue persisted. This is unacceptable, and I demand a thorough review of the documents I have provided so I no longer have to stress over this.
Product: Checking or savings account

I set up a payment with XXXX to take out {$820.00} for mycar note. I set the payment up to be taken out of my account on XX/XX/XXXX. I was also on the phone with them when I did this so as soon as the payment went through the money disappeared so I assumed XXXX took it. However, XXXX reach back out to me on XX/XX/XXXX saying that the payment was not processed because there was no money to take. So I called Navy Federal to ask them about this and I told them the situation about the money that was in my account, which was set up for a car note payment. I told them that I saw it disappear and assumed that XXXX took it, I also told them that XXXX said that there was no money to take.

I asked them what happened to the money for it to disappear because now I was under the impression that they did not post the money to my account, even though I saw it sitting in my account right there. It didn't say pending, it was sitting in my account clear as day, and as the current amount at that time when I set up the payment. What they did was explained to me a bunch of transfers that I
made to my XXXX XXXX from a different amount of money that I received as a deposit from school, that I used towards my bills and other necessities, which was in the amount of {$890.00}. The amount that I set up to be taken out of my account was also from a different deposit that I have received that went into my account and that was supposed to go straight to my car note. So now I'm aware of two different amounts of XXXX something dollars and I know where

one of them went and it went to bills. But now I'm stuck with this amount that is just lost in space somewhere because they can't tell me what happened to it. They tried to tell me that this amount was the same amount that I used for my bills, but there were two different amounts of XXXX something dollars. And they were deposited on different days so I know when I set this payment up to be taken out of my account and it disappeared. They couldn't tell me what happened to the second amount. They had no information on what happened to it so they tried to make it seem like I spent it up or that my account was overdrafted but they never posted anything to my account.
Product: Credit reporting

I have been disputed this account over and over, and I got not answer, XXXX # XXXX This account was included in the bankruptcy case and have been discharged through the court
Product: Credit reporting or other personal consumer reports

there is XXXX authorized inquires on my credit file and needs to be removed immediatly these are the following fraudulent inquires : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX account XXXX XXXX XXXX needs to be removed
Product: Debt collection

XX/XX/XXXX - Contacted XXXX XX/XX/XXXX prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company
Product: Credit reporting or other personal consumer reports

Ive identified inaccuracies on my credit report under 15 USC 16c-2. The listed inquiries weren't authorized and are lowering my score. Please remove them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my XXXX and Equifax Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on XXXX  as XXXX XXXX and on Equifax it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.