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

Nelnet 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. XXXX  XXXX  XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. 

Key Issues in Nelnet 's Response : Avoidance of Specific Issues : Nelnet doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. 
Focus on General Credit Information : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. 
Misdirection : Nelnet implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. 

To Whom It May Concern, Your nine-digit SSN # XXXX First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX I am writing to dispute inaccuracies on my credit report regarding my student loan accounts. 

Upon reviewing my credit report, I discovered that Nelnet has incorrectly reported the approved consolidation of my student loans. Additionally, closed accounts from previous student loan companies are being reported, which is inaccurate. I am no longer with Nelnet. Double reporting of as Loans. Consolidation from XXXX is currently reported. 

I request that these errors be corrected promptly. 

I have attached supporting documentation for your review. 

Thank you for your immediate attention to this matter. 

Please find the addendum attached for further details. 



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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 EXPERIAN credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$950.00}
Product: Debt collection

XXXX. As I have said before the account by XXXX is not mine. All Midland Credit Management has done is send a Warrant in Debt and a dispute response. Which shows nothing. I have had this done in the last XXXX  years over XXXX  times. XXXX with XXXX, they created an account without my consent with my name and by bank account linked to it with my social security number. This went on for months without my acknowledgement they charged hundreds of dollars to the card. That I had to go to my Bank and get the manager to contact the police department because they didn't not believe me. Which there are records of this happening. I have had my XXXX account hacked for over XXXX weeks straight. I had to lock the account. 

Today, anyone can get your information and do whatever they want to do. Anyone can manipulate anything and everything about who you are, where you live, your bank account, also your social security number. As I have said this has happened many times to the point, I can't keep up with it. As I am typing, I'm also going through another fraudulent claim it is endless. 

I am going to state this XXXX last time, the XXXX card is not mine. What I want to know is if what Midland Credit Management is saying is true then why didn't XXXX give me a Warrant in debt? Why didn't XXXX take me to court? Last why did XXXX supposedly sell my debt? 
I haven't heard anything from XXXX only MCM. 

Another question where is my signature on the contract from XXXX? The only thing MCM has proved is the same statements which anyone can make up. Where is my signature on the original contract from XXXX? Please let 's see it. Cause There isn't XXXX. XXXX sells fake debt all the time that is why they sell it because its fake. So, again do whatever your heart desires, whatever makes you feel good at night do whatever you want. Please do it. 

MCM has no proof that has my consent to the contract by XXXX cards. Anyone can use my name to open an account with my social security number it has been done with XXXX. As I will attachment a police report that shows XXXX got into my bank account. The police department doesn't care about credit cards or even money getting stolen. I sat there for over XXXX hours as I stated I had to get the bank manager to call because they didn't care. I live with my XXXX grandmother that got $ XXXX of XXXX stolen from her account, the police department wouldn't do a thing. 

Show me where my signature is on the contract? At this point it is a he said she said. This is the last time I am writing I'm tired of it. 

I don't have proof of any documents from a XXXX card because it isn't mine. 

This is nothing but a he said she said. There is no proof of a contract with my name on it from XXXX.
Product: Credit card or prepaid card

in attempting to pay on the card and free up my credit, I was denied access to my account. Was told my info wasn't correct, and directed to call in.. Original calls were on XX/XX/XXXX, in response to my email for activation. Have been told I would have to wait for my card to arrive .. i did ..still being told today ( XX/XX/XXXX ) that Ill have to wait for more communication. I've verified my social, address, two phone numbers, address, and still can not get access to my account. i ended up going into Best Buy and they were able to pull up my account with my drivers license and verify that my name and address were correctly on the account, and take my payment thus finally rendering my account to a XXXX balance. I thought maybe this would clear my account for access .. Ive made over 10 phone calls spanning 4 to 5 hours plus driving to best buy twice. 
please help!!! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.
Product: Debt collection

I recently pulled my credit report to find that LVNV Funding was listed as a collection on my credit. I havent received any paperwork or received any calls from this regarding a balanced owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to follow up on my previous dispute regarding inaccuracies in my credit report. Despite my initial complaint, the following accounts associated with student loans remain inaccurately reported under my name : Account : XXXX XXXX XXXX XXXXXXXX ( Updated ) Account : XXXX XXXX XXXX XXXXXXXX ( Verified/Updated ) Account : XXXX XXXX XXXX XXXXXXXX ( Updated ) As per the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including 15 U.S. Code 1692g ( B ), I am entitled to full verification of these debts. It is imperative that Experian substantiates that these accounts indeed belong to me through a complete and thorough method of verification. 

Under FCRA 611 ( a ) ( 1 ) ( B ), you are required to investigate and verify the accuracy of disputed information within a reasonable time frame. This includes providing me with : A detailed explanation of the method used to verify the debts, including all steps taken to confirm the accuracy of the information provided by the creditors. 

Copies of all original documentation from the creditors ( XXXX XXXX XXXX XXXXXXXX ) that were used to verify these debts. This should include any signed contracts, account statements, and communication records related to these accounts. 

Confirmation that Experian has complied with all FCRA requirements in handling my dispute, including maintaining reasonable procedures to ensure the accuracy of information reported. 

Please note that Experian is hereby instructed not to update or modify these accounts pending the outcome of this investigation. Any updates or modifications would be premature and may violate FCRA regulations. 

If Experian can not provide the requested verification and documentation within 30 days from the date of receipt of this letter, in accordance with FCRA requirements, I demand that these accounts be deleted from my credit report immediately. Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as a demand for {$1000.00} per violation of the FCRA.
Product: Mortgage

On XXXX, I filed a complaint against the company due to their moving a whole principal payment into escrow without my permission or knowledge. The company responded on XXXX and said that my figures were accurate and that they would correct it. I then received a statement on XXXX for {$5400.00}, which is over twice my mortgage rate. This indicates that they said one thing through the CFPB response and then separately took retaliatory measures on their own. 

I desperately require relief from this company and its actions against me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Credit karma claims pre approved status before applying for a credit card, and those claims are false and caused me to drop my credit score immediately
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. Fraudulent accounts have been added to my credit report without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following accounts from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$29000.00}
Product: Debt collection

SELENE FINANCE LP is a debt collector. On XX/XX/2022, on a Foreclosure Sale, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXXXXXX XXXX, XXXX. 

SELENE FINANCE LP is attempting to STEAL my property. 
They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action.
Product: Mortgage

Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.
Product: Debt collection

Companies responsible : XXXX GA XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX I have been told by my insurance that a EOB was sent regarding medical concerns from error in processing. When I originally was contacted I called and they advised to provide EOB as proof and disregard the attempts of debt collector. During this time period I had state insurance at the time and still presently do. I have email correspondence from XX/XX/XXXX, explaining that I have full coverage for my XXXX. However due to lack of proper care I XXXX XXXX  XXXX  in XX/XX/XXXX. 

They told me they mailed it out due to the stress and XXXX I requested another to assist with a resolution. I notice things on my credit report and tried to address it. When I requested it again due to Covid I was unable to obtain a copy for credit agencies. Now I have collection debt for being XXXX and having government insurance. I feel as though not only am I being harassed for a processing error. I am being humiliated for it, I XXXX XXXX XXXX and now my future is subject to this constant reminder. I just don't see why know one is responding nearly two years later going into XXXX and I am still forced to deal with this. Please take this seriously it was enough for me to go through it, to have this looming reminder is torture.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account from my credit report immediately, or I will seek legal action. 

I`m requesting that both the CRA and the original DATA FURNISHER to supply me with proof that you both are in complaint with the FCRA and more specifically with the industry standards of reporting electronically. 

Do not send me copies of credit card statements, as this do not validate the right to collect. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On Friday XXXX my account was compromised. There were 2 atm transactions that were successfully taken out of my account. One transaction was for {$200.00} at XXXX at a XXXX XXXX and {$40.00} at XXXX at a XXXX XXXX XXXX While, I was at work. I received numerous alerts regarding atm transactions that were declined. The declined transaction were for {$820.00}, {$500.00}, {$400.00}, and etc. i disputed the situation with chime bank. They sent me an email an hour later saying there wasnt an error and there closing the dispute. What kind of investigation is done in a hour. There is no way an investigation was done.
Product: Credit reporting or other personal consumer reports

In XXXX, I called JP Morgan Chase to close my XXXX XXXX credit card. I made it clear that I was closing my card and wanted to make a final payment. I even asked if there were any recurring charges coming up for subscriptions. The specialist told me there were no recurring charges and what my balance was which I promptly paid.

Two weeks ago I got a notification that my credit score has changed. I contact XXXX, they said a pending charge hit the day after I closed the account. 

So I am immediately paid everything over the phone and placed a dispute for the credit reporting because they did not send me any information about any additional charges or balances after I closed the account. Not a single statement, phone call, letter, email, or text. I monitor my account balances with a financial program and the balance had shown XXXX since XXXX. 

After they pulled the phone call, a supervisor called me to tell me that she listened to the entire call. She confirmed it was my intent to close my card, that I asked about recurring charges, and that my history showed I have never been late with any payments. She also confirmed that they did not send me any notifications. 

But she said that I did not specifically ask if there were pending charges and that even though the specialist could see that on her screen and did not inform me of that, that is not a bank error that is my fault. Unbelievable! 

I asked if I could escalate this to a manager and she told me she was a supervisor and that there was nothing I could do. 

This is an unfair trade practice and just plain bad business. They should correct the credit reporting due to their negligence and egregious behavior. 

Hopefully you have the ability to have those phone calls pulled to see how ridiculous this is. 

Thank you!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on my XXXX account # XXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the XXXX XXXX account # XXXX that I have included screenshots inside this complaint on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Please see screenshots attached.
Product: Credit reporting

Experian is reporting XXXX not valid debts on my account. One from XXXX and XXXX/XXXX, that was disputed with all XXXX credit bureaus over 90 days ago. XXXX and XXXX could not validate the debt. XXXX and XXXX removed this debt because it could not be VALIDATED. XXXX only sent a 2 digit verification code electronically allowing a 2 digit verification code response. Experian REFUSES to VALIDATE the debt.
Product: Credit card or prepaid card

The account was open XX/XX/XXXX, I paid the balance off at {$37.00} or more a month and the credit card remained in good standings. I continued to pay the monthly fees until XXXX XXXX. I requested the card closed today XXXX XXXX, XXXX, the creditor said the account was closed already though I would still have to pay the monthly fees and remaining balance. The creditor does not understand the positive balance after it remained the balance after it was paid off by a the time frame of the credit account. The creditor closed the account around XX/XX/XXXX, though it is not closed. I contacted the creditor XXXX XXXX, XXXX to close the account, the creditor said it was closed but they would still bill me for the positive balance.