23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Nelnet for Incorrect Late Payment Reporting Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint regarding my student loan account with Nelnet ( formerly serviced by Great Lakes XXXX XXXX A XXXX late payment was reported on my credit file, but this was due to an error in Nelnets handling XXXX my loan transfer. 

Details of the Issue : My student loan was transferred from Great Lakes to Nelnet. 
Nelnet had the wrong email and mailing address on file, so I never received billing statements or payment notifications. 
Due to this miscommunication, I unknowingly missed payments and was reported as 120 days late. 
As soon as I became aware of the issue, I immediately paid off the balance in full. 
Despite my efforts, Nelnet has refused to remove the late payment from my credit report. 
Why This is Unfair & Inaccurate : I was not properly informed of my loan transfer details, and I did not receive the necessary information to make my payments on time. I believe this constitutes a failure in loan servicing communication and unfair reporting under the Fair Credit Reporting Act ( FCRA ). 

I have attempted to resolve this issue directly with Nelnet through a goodwill request, but they have denied my request. I am now seeking CFPBs intervention to investigate this matter and help facilitate the removal of this late payment from my credit report. 

Requested Resolution : I respectfully ask that CFPB review my case and request Nelnet to remove the late payment from my credit report due to their mismanagement of my contact information. I have attached relevant documentation, including : Proof of incorrect contact information. 
Payment confirmation showing the account is now paid in full. 
My previous communication with Nelnet. 
Thank you for your time and assistance in resolving this issue. Please let me know if any additional information is needed. 

Sincerely,
Product: Credit reporting or other personal consumer reports

These are the list of inquiries reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Denied extebsion of consumer credit for personal and household use by Pen Fed. 

Do i not have the right to obtain consumer credit
Product: Checking or savings account

My wife called me from our home, she was on the computer and she told me that Wells Fargo had sent an alert to our home computer that someone may be trying to hack into our account. ( suspicious activity alert ) She called me and I immediately called the bank and spoke with a gentleman who confirmed that {$990.00} had been withdrawn from my account - WHILE we were speaking he asked me if I was making a {$3400.00} charge on my account. I said NO - especially since I was speaking with him on the phone and not buying anything. He said he had stopped that charge but was not sure he could reverse the {$990.00} cash withdrawal even though it had just happened. After a couple of weeks the bank informed me that they could not/would not return the {$990.00} to my account because it was a " legitimate '' withdrawal. I questioned how that could be when I was on the phone while this crime was being committed. The banks eventual rationalization was - " a trusted device was used by the perpetrator '' and since I could not prove that was NOT me is must be me. I told them that is what the justice calls fraud. I have spent hours, days on the phone with the bank, bank vice president, service persons pleading my case. I have filed 5 different complaint issues, been " recorded '' on the phone with at least 7 persons affiliated with the fraud division ALL have agreed with me and only the supervisor has denied my pleas. Even a loan officer and the bank Vice President have filed complaints on my behalf and all have been denied. Even one of the complaint persons ( ALL on recorded lines ) I told my story gave me advice on how to re-file and re-word the issue to get satisfaction. They say the trusted device had a phone number ending in XXXX. I assume now that this fraud was perpetrated a hacker that got into me computer and opened up a XXXX account. This employee said he recognized the pattern of opening up a XXXX account waiting two months then making a withdrawal. He said to explain this to XXXX XXXX the person hearing and denying my case. He said this was a common way to take out money, not to try and take out the money immediately but wait a while. I told them I did not fraudulently take {$990.00} from my own account. How would I benefit from creating a fraud against myself. Strangely enough this same bank hired me 15 years ago when it was XXXX  XXXX  and I sold securities and opened up accounts for this bank. My credentials have to be immaculate and spotless to work in a bank. I have a high profile in my community and this is a dangerous black mark I can not abide with. Pleas help, I have been trying to work with this bank for two months, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the covid19 pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputes with all 3 credit bureaus for the reporting of my XXXX account. XXXX continues to certify inaccurate information to XXXX and Equifax, specifically that my last payment was made XX/XX/XXXX in the amount of {$0.00}. The actual last payment was made on XX/XX/XXXX. I am aware of the fact that XXXX has already had legal action against them in the past for certifying inaccurate information to the credit bureaus, namely reaging accounts, which is what they are doing to me. You will see the attached copy of how experian is reporting the dates which is correct, along with the receipt of my last payment. You will also see the attached the equifax report which contains the inaccurate information.
Product: Debt collection

My son, XXXX XXXX, was seen in the ER on XX/XX/2016. Although he was eligible for care our insurance provider at the time of visit, the billing company for the provider ( TeamHealth ) did not process his claim through our insurance provider. I was never contacted regarding this claim as the medical billing company entered my information incorrectly into their database. I was not aware of the debt until I saw a collection appear on my credit report over a year later. When I contacted the medical billing company, they verified that they had in fact mis-entered my name and address and my son 's date of birth and insurance information. The insurance provider ( XXXX XXXX XXXX XXXX XXXX ) has contacted both the medical billing company and the collections agency ( Wakefield and Associates/ XXXX XXXX XXXX ) to validate that XXXX was eligible for coverage at the time of service and that the claim needs to be processed through his insurance. The medical billing company and the collection agency have stated that they refuse to process the claim as the timely billing window has passed and they do not want to have write off the amount but, rather, expect for me to pay. This debt is consequence of an error on behalf of medical billing, has still not been processed through insurance, and is not my debt. 

I submitted a debt validation letter ( attached ) and was provided with a bill ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IXXXX OF THE TIME OF THESE STUDENT LOANS AND CREDIT BUREAU KEEPS SAYING ACCOUNT IS VERFIED I ASKED THEM HOW DID THEY VERFIY IT AND NO REPLY FROM EXPERIAN U S DEPT OF ED/XXXX/XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Education Loan Balance on XX/XX/XXXX {$3400.00} U S DEPT OF ED/XXXX/XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear experian Customer Service personal, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed incorrect entries related to my name and address. Please find the details below : Incorrect Name ( s ) : all the names that are not the name that appears on my ID Correct Name : XXXX XXXX XXXX Incorrect names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these innaccurate names from my credit file. 
Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove these inaccuracies from my credit report and credit profile. 

I am requesting that these inaccuracies be investigated and corrected. Enclosed are copies of my ID, proof of address, and any additional documentation that verifies my identity and address. 

Thank you for your prompt attention to this matter. Please update my credit report and provide written confirmation of these corrections. Feel free to contact me if you need further information or clarification. 

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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX Please block and remove all erroneous information from my credit report and send me an updated copy. 
Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my accounts were compromised with fraudulent charges, Equifax caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need Equifax to clear my credit report and correct it.
Product: Checking or savings account

On XX/XX/2018 I contacted PenFed via phone to make a domestic wire transfer to fund an investment in XXXX XXXX XXXX XXXX. This was the third transfer to this fund made over the past three months. Previous transfers from PenFed totaled {$92000.00}. After a series of questions and verifications the agent indicated the transfer would be processed and I hung up. 
On XX/XX/2018 I received an email that there was a problem with my account. I checked online and I was able to see that my funds were NOT transferred. I called an agent who said that they could not help me because the wire transfer department was closed and I would have to call back on Monday. 

On Monday XX/XX/2018 I called back almost immediately when the customer service opened only to be told that it would be another 30 minutes before the wire transfer department was open. 

I called back in 30 minutes and after lengthy periods on hold was told that the transfer could not be completed on Friday because the Federal Reserve was closed. I was assured the funds would be transferred quickly. 


I contacted XXXX would said I have missed the investment deadline and would miss out on the profit for this period of investment. I was very upset. 


I have checked my PenFed share account and I see that 7 days have passed and no transfer has taken place. 

I have received no explanation from PenFed or notification that they did not fulfill my request. 

I have suffered monetary damages due to PenFeds negligence, incompetence and deceit in handling my wire transfer.
Product: Credit reporting

I would like to continue my fight against Transunion reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from them. This is not fair. When someone requests all descriptions and procedures they should be noted and supplied, that is according to FCRA guidelines. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report XXXX. Please. I have always held XXXX XXXX Loan and you can check my report and see that it is with, and only with, XXXX XXXX XXXX. That is a GOVERNMENT AGENCY! Not XXXX! This may be an account held by another student in my building. I am not sure, but I dispute it and ask it to be deleted. It is Old and Not relevant to me!
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to open a lease in my name. I have pulled my reports and found that a company name XXXX XXXX XXXX XXXX has an account with my personal information opened and sold inaccurate information to a third party group Absolute Recovery Service Date opened XX/XX/year> I reached out to the company with a response of accurate and this is not my account or debt. It is not accurate.

This account was opened without my consent or knowledge and I do not know of the people. I filed a police report and filed identity theft.
Product: Credit card or prepaid card

After XXXX XXXX XXXX lied about every aspect of their business, history, and proposed service, ghosted every attempt to contact them, refused to provide any service or correction to proposed service whatsoever, ghosted me every time I called, I filed a dispute against the initial deposit that was charged to my card to reserve their truck in SF the weekend we discussed for a move, a truck they neither owned or ever owned according to the XXXX XXXX XXXX. In fact, further DD on XXXX showed that they were a new business only recently registered before my initial contact, that a previous business name had nothing but XXXX, XXXX and upcharge complaints, that very little was legitimate about them. 

When I asked US bank ( XXXX ) whether I need to worry about the dispute or chargeback, they said not whatsoever. Knowing I needed to contract for another moving service and postpone my move for more than a month, I called XXXX again to confirm that I should and could do that, and they reconfirmed the efficacy of the dispute chargeback, at which time I extended my rent ( a little over $ 4k ) and contracted for relocubes from XXXX {$2800.00} and moving services at my place ( {$400.00} ). 

Last week, US bank sent me a letter to say they were reversing the dispute chargeback. They were vague about the reason why but included an estimate that XXXX had provided to them. It was created after the initial deposit had been made, which includes language and terms that were never agreed to, confirmed, or signed. In fact, even with the copy of invalid terms, XXXX has not performed a single task or service listed. Their service level and my dealings with them are detailed in another attachment letter. I truly feel they're a temporary entity created just to funnel customer acquisition to partner firms engaged in rogue moving scams. Every real ( they created XXXX fake reviews before the business was even registered as a business ) review on XXXX since has confirmed this. 

US Bank 's action not only makes little sense, their inconsistent messaging and reversal costs me an additional 5k+. The decision to walk away from XXXX and stay an additional XXXX XXXX months XXXX XXXX XXXX factored in original US Bank decision and the risk of being taken XXXX and XXXX, but I was happy with that decision ( paying the add'l rent and overlap ) to avoid a brush with a criminal organization. US bank 's decision to reverse the dispute not only costs me a deposit which I received nothing for except headaches and stress, it also cost me all my overlap costs because it was the primary factor for deciding to do it in the first place.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  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 XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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