23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I reached out to my loan company, Nelnet, to see if I could qualify to consolidate my FFEL loan into a direct loan so that I could qualify for PSLF. This would require removing my ex-husband, the co-maker, from the loan. 

I received an official letter from Nelnet on XXXX XXXX which began, " You are the owner of the above account which has a co-maker. If you consolidate, the co-maker of the account will be removed. '' To that end, I would be able to remove my ex-husband, consolidate, and then qualify for the PSLF as I have made qualifying payments since XXXX, and have worked in public service since XXXX. 

I called Nelnet on XXXX XXXX to confirm what was written and begin proceedings, and the first person with whom I spoke said, " I don't think we do that '' and chuckled. I asked if he could kindly confirm yes or no, and noted something to the effect of, " This is very important to me as I am a single parent to XXXX teens and I have already paid more than 80k of my 60k loan and have XXXX remaining payments, which means I may retire before completing my payments. '' After about an hour, I was transferred to a supervisor who finally came to the conclusion that I 'likely " have a spousal FFEL loan that does not qualify for consolidation. I checked my original loan paperwork -- which I still have filed -- and did not see anything written therein disqualifying me from consolidating. However, it is now all over then news that this type of loan is the exception to the PSLF waiver. 

I am very disappointed that Nelnet mislead me, and then half dismissed me when I called, only to keep me on the phone for an hour in their attempt to help me. They have taken so much from me, and have never tried to help.
Product: Credit card or prepaid card

credit card is fortiva XXXX i went online made what the computer said as my min payment of XXXX on XX/XX/XXXX. than i went back online later to check and they charge me a late payment. i cld told the woamn i paid what computer said was min due woman said doesnt matter im not removing the late payment fee i than demanded her to cancel the card and now i look and they have also added a over credit limit fee. i want both of these fees removed. i did pay what the system said was min payment due.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove all unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of the first re-investigation, based on Experian, XXXX, and XXXX it was stated in writing that these accounts were verified that these items are being reported correctly. 

Where are the documents that were used to verify these accounts? What is the name of the person in these companies who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means is that your company must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

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. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

They have ignored my request to provide me with the documents that have in files that they used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I have been reaching out to the 3 credit bureaus for the past 4 months about removing these unauthorized inquiries on my credit report and they still have not done so.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting or other personal consumer reports

I recently just look at a copy at my credit report and i notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting me to obtain/ get credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 XX/XX/year> 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. 


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: Mortgage

In reference to Citizens - When the balloon rider mortgage matured in 2021, we were sent the paperwork for a modification. I submitted the paperwork XXXX separate times - once by mail, twice by certified mail, and once through their online solutions center ( I have the certified mail receipts and photos of the documents submitted online ). Every time we tried to follow up we got the same reply- we don't have your paperwork or we can't find your paperwork. I would have no problem continuing to pay the mortgage and would have, but now I can not access the online system any more. Every time I try to search my loan number it says " not found ''. I have received a letter stating that all future questions should go to their attorney, but nothing has been filed for foreclosure yet. They also sent a letter showing that there are now {$6200.00} worth of past payments and fees due. I would happily pay that if they would add it to the loan amount and spread it out over time. I don't have enough for a lump sum payment right now. I am a XXXX XXXX living on one income and I have done so for the past XXXX years. My main mortgage has always been up to date and this one was too, until it matured and I couldn't submit payments any more. I can not afford to live anywhere else. Anything available to rent is double my current mortgage and I could never afford that on my own. I have been a XXXX for XXXX years and have worked in my current position for XXXX years. I have stable income and a secure job ( I am tenured ), but get paid monthly.
Product: Debt collection

I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.
Product: Credit reporting or other personal consumer reports

My consumer report shows identity theft-linked accounts I never approved in writing or by wet signature. I recently told you about this and now demand these accounts be blocked and removed from my report now. These false entries are causing me major stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.
Product: Checking or savings account

I went to cash a check it was declined by telecheck I called them they said my DL was linked to some bad checks that were wrote on my account in XX/XX/XXXX& XX/XX/XXXXI told them that was impossible I was locked up in prison from XX/XX/XXXX-XX/XX/XXXXI sent the paperwork over several times they still havent updated my file I still cant write a check they told me I had to pay them before it would be removed and I can write a check I am not paying for something I didnt do. I have been hung up on they lie they refuse to help me and do their job. Something needs to be done with this company its sad and horrible. At this point I dont know what to do I cant get any help. Please help me I have nothing all my money is in my checking account I cant draw on because the block.
Product: Mortgage

On XX/XX/2018 @ XXXX XXXX  I submitted a payment to Seterus in the amount of {$1000.00} as I do each month. When the payment did not clear the bank, I called Seterus and they told me that they had just been notified that the payment came back because it had been submitted under the wrong account number. The payments are made through XXXX XXXX on the Seterus website and I received a payment confirmation that I would not have received if I had entered the incorrect loan number. Furthermore, how did they report me delinquent to the credit bureau BEFORE they claim they received the payment back? I immediately contacted the bank and they had no clue what I was talking about. To date I have received no notification from Seterus or the bank, but my credit score dropped 58+ points. I had a loan modification 2 yrs. ago due to unemployment and have diligently made my payments since and have never been delinquent. Seterus had the unmitigated gall to tell me that once they reported me late they could not change it. I have worked in  mortgage banking over 20 years and know that to be a blatant lie. I was not late and nothing supports I was. They delayed the payment whether intentionally or not, I want it removed from the credit report that I have worked so hard to improve. They are one of the worst servicers in the business and I will not allow them to ruin what I have worked so hard to achieve.
Product: Student loan

I called them on Thursday the XXXX and was on the phone for 58 minutes, on hold, and then they hung up on me. They told me to go online repeatedly in the gold recording, but when I went online I was still not able to find my answer and found out that my payments were going to be higher with the SAVE plan they were pushing because it does not take into consideration the cost of living in my area
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.
Product: Credit card or prepaid card

I have 3 Americans Express cards. Since XXXX and I have allways made on time payments then in XXXX after making payments on one card I was told no payments was required on the remaining two cards. My annual fee is {$550.00} a year. But they closed my cards weeks later. Ever since then and the present I am a ongoing dispute and I they are illegal charging my late fees and interest eventhough I am disputing the amount and the annual fees charges after the closed my account they refuse to refund my annual fees. Its case of them refusing to refund my annual fees after closing my card. And triple the original amount.
Product: Debt collection

They call up more then 10 times a day at times then hear nothing then starts again from at least XXXX different numbers Ive blocked so far. The medical debt WAS paid by the VA and its well known that the Hospital must accept what has been paid. They are still trying to collect a debt from XX/XX/XXXX-XX/XX/XXXX My husband is a XXXX Veteran with XXXX XXXX, XXXX XXXX. XXXX XXXX and the list goes on and they call and it makes him so hard to handle with the way they talk to us and Threaten us with arrest, etc. Then he usually has a XXXX because they set it off by their calls constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK/XXXX has posted inaccurate information to my consumer report. Comenity bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with comenity bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. Comenity bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

My account with XXXXXX/XX/XXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 my 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXX/XX/XXXXnever sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

An account was opened with the creditor on XX/XX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, XXXX XXXX XXXX has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.
Product: Mortgage

This letter is to inform you I have filed a formal compliant against OCWEN, LLC Servicing center with the Attorney General Office in XXXX/as well with the Department of Justice for suspending my ability to make my mortgage payments via online or over the phone due to their negligence. 

As of XX/XX/XXXX have I remained current on my payments and have provided proof of payment and OCWEN has continued to block me for the past 45 days disabling my account with the intent to sabotage my credit and to accrue late fees and are demanding that I only make payments by XXXX XXXX or certified funds for the next six months. 

I would like for OWCEN to suspend all phones calls and only contact me via email XXXXXXXXXXXX or mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my account. I do not wish to receive any phone calls.