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

I previously had automatic payments setup on my student loans and the loans were apparently moved to Nelnet and the payments were not resumed on automatic payments. I received No email, phone calls or paper mail regarding past due balance until I received an alert of 90 days past due on my credit report. I immediately created an account with Nelnet and updated my contact information and contacted an account manager. The account manager advised they were aware they did not have the correct address/contact information and supposedly attempted to do a XXXX XXXX trace and did not advise on the conclusion of the trace. They also had the wrong DOB. 

I received 10 individual 90 days past due on my credit reporting which took my credit score from XXXX to XXXX. Ive since applied for a deferment and will resume automatic withdrawal in XXXX XXXX Can someone please assist with getting the 10 late reportings removed. I am in the process of trying to buy a house and now I cant even qualify for a loan. 

The dispute results I received The incorrect account with DEPT OF EDUCATION/NELNETthat starts with XXXX has not been changed and will remain on your credit report. they responded as incorrect account and based on the response they should be required to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 

( Pub. L. 90321, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ) ( c ), ( XXXX ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

I had an old car that was paid off due to it being totaled the insurance and gap paid it XXXX XXXX XXXX I have invalid collections! I don't remember having those credit cards! The debt collectors haven't sent me any paperwork showing i signed to get them. XXXX XXXX and another credit card. They was supposed open like 7 years ago
Product: Debt collection

I was alerted that Nelnet was now collecting debt that they had attributed to me. They gave me an account number, and sent a list of alleged debts, about 10 various accounts. I did not recognize the individual accounts and numbers owed, and was confused by what they were sending me, why I owed it, who I owed it to, as of when, etc. 

I reached out twice via email requesting Debt Validation, promissory notes, etc. Anything to validate these numbers, and ensure it's debt I actually owe. They did not answer or reference my request, yet continued to send me correspondence. Clearly my request was being ignored. 

I then called on the phone, and the representative at Nelnet told me, verbatim, " We do not have any Promissory Notes, or Debt Validation records of any kind. We can not provide you with a Debt Validation Letter. '' This raised considerable alarm. 

Am I expected to pay any number they come up with? With no documentation of any kind?
Product: Mortgage

Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX Filed on : XXXX XXXX XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed against : Wells Fargo Home Mortgage XXXX XXXX - 1 Home Campus XXXX XXXX XXXX XXXX Complaint Description : Tried numerous time over the past 18 months to get the due date on my VA mortgage changed to the middle of the month, all to no avail. I have tried numerous time over the past 18 months to get the due date on my VA mortgage changed to the middle of the month ; The orgional contract date was on the XXXX of the month, but Wells Fargo mortgage dept took it upon themselves to change it to the XXXX of the month so that they could generate late fees & make more profit ; I have a VA mortgage & Wells Fargo is well aware of that fact, however the charge me late fees starting on the XXXX or XXXX of each month denying me a grace period per VA rules/regulations ; Wells Fargo uses every trick in the book to generate extra fees & /or profits ; Wells Fargo reps just told minutes ago that changing my due date is impossible because their policy does not allow it ; Their arrogance s breathtaking for they show no consideration what-so-ever for gov't laws or to customers ; I request for a senior manager or one of their VP 's to contact me ASAP, but my request was denied ( no surprise there ) ; I have refinanced my mortgage twice to get away from this company, but they always buy the loan from the company I refinance with & I get stuck with them again ; On XX/XX/XXXX, I applied for their credit card so that I could link a possible overdraft to the credit card : I was turned down due to my previous complaints to regulators in retaliation ; My credit score was in the top XXXX % to XXXX % ; My score was around XXXX out of XXXX ; Wells Fargo illegally pulled a credit report on my wife and she was not even there and no-one gave them permission ; In XX/XX/XXXX I was given a check an insurance settlement check for XXXX made out to both Wells Fargo & myself ; Wells Fargo kept the funds from me and held the funds in escrow for 24 months at zero-percent % : wells fargo made much money off the insurance settlement money that was given to myself ( the homeowner ) to repair my home from damage ; wells fargo makes XXXX in profits using the insurance settlement for XXXX yr, XXXX yr or more & lends it out making a killing all the while the homeowner has to take money out of retirement to fix the home while wells fargo uses their $ ; this happens to tens of thousands of homeowners across USA & the funds is held hostage by wells fargo at zero percent interest ; this is a criminal organization!!!! 

Your Desired Resolution : I am filing complaints with the atty general 's office, the federal controller of the currency office, the federal consumer protection bureau..there is little difference between a XXXX loan-sharking operation and " this criminal enterprise '' run by the white collar criminals in the Wells Fargo mortgage dept.
Product: Debt collection

I closed my credit card and checking account with M & T in XX/XX/2019. The balances of both accounts was {$0.00} when they were closed and I was informed by the bank that no further charges could be made on the accounts. On XX/XX/2019, I received notices from credit monitoring services of a past due amount associated with the credit card account. I do not have access to this account and received no notifications related to any collection attempts. In addition, there should be no balance since I closed the account at {$0.00} and your bank should not have accepted any further charges, consist with what I was told when I closed the account. 

I contacted the bank via email ( XXXX ) on XX/XX/XXXX and have not received a response. I called the customer service line ( XXXX ) and spoke with XXXX on XX/XX/XXXX and discovered that the total balance due was approximately {$100.00}, with {$35.00} of that being from late fees, {$57.00} in charges, and the remaining amount being from interest. The customer service department agreed to reverse the late fee and forwarded me to the collections department to discuss the balance due. I spoke with XXXX in collections and was informed that the account was no longer accessible to the collections department. She indicated that the company 's policy was to keep the account 3 months in collections and 3 months in recovery, but my account had apparently been handed off to collections after 3 months and M & T no longer had access to it. To reiterate, I have not received any notifications of any type from either the bank or a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has marked my account down for XXXX points for a new collections account being added. Consumer Adjustment Co is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think Consumer Adjustment Co has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.
Product: Debt collection

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Afni Inc. ) for committing identity theft. I have never given ( Afni Inc. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( Afni Inc. ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Afni Inc. ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Afni Inc. ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Afni Inc ) continues its collection efforts, I will file for litigation for actual damages caused and ( Afni Inc ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

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

ANOTHER ACCOUNT NOT ACCURATE XXXX XXXX XXXX STATING I OWE {$2800.00} AND I DO NOT OWE NOTHING. I WANT THIS REMOVED
Product: Debt collection

I reached out to Credit Collection service ( debt collectors ) and asking for prompt validation of the debt they are collecting and place on my credit, with going thru due process as referenced in Federal law 1692g. 

My first mailing was on XX/XX/21, i received no repsonse and now its been 30 days without proof of debt to CRS debt collectors.

Past the 14 day alloted.

I never once signed any binding contracts with CRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.
Product: Checking or savings account

In my complaint ending in # XXXX i outlined a systemic problem with XXXX XXXX when making payments. In there response to this particular case and many others on the basis of handicapped accessibility not one of my concerns were addressed. They instead cited policy that has little to do with the actual problem. I was denied my right to make my payment on XX/XX/XXXX at the XXXX branch office. 
XXXX XXXX XXXX XXXX, XXXX. 
XXXX In your response you stated that " due to traffic i was told to come in '' That was a blatant lie told to down play the severity of the situation and make it seem like there was an actual reason other than personal retaliation on the part of the bank for having to pay me XXXX XXXX in response to them not properly handling my a fruad alert on my accounts by disgruntled bank employees for personal naming them in XXXX complaints. I have documented XXXX  and sever XXXX. I clearly stated that to the teller who informed there was nothing they could do. They don't have the available protocols in place for this kind of problem.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.XXXX XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Fecha : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX  Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous discrepancies listed on my credit report that I have no knowledge of. This was a result of identity theft of malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX  XXXX  XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.