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

I have called Nelnet numerous times. My student loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. Nelnet did not notify me that they started trying to collect on my deferred student loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on Nelnet. I disputed with the bureaus and Nelnet did not even respond- they provided no proof. I feel so violated. 

NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent charges on my credit report, as I am a victim of identity theft, likely perpetrated by my ex-husband. Despite my repeated attempts to resolve the issue, I have been unable to obtain any proof from creditors or credit bureaus, such as contracts or signatures, substantiating these unauthorized accounts opened in my name. I was not notified within the 5-day window required by 15 U.S.C. 1692g, which is a violation of my consumer rights, and my privacy and credit have been directly harmed in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for creditors to report inaccurate information to credit agencies, which is clearly what has occurred in my case. I demand that immediate action be taken to remove these fraudulent accounts from my credit report and correct the inaccuracies, and that I receive any supporting documentation for these charges. Should the necessary proof not be provided, I expect these accounts to be permanently deleted. I will pursue legal action against the creditors and credit bureaus involved for failing to comply with federal law and for violating my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently reviewed my credit report and I was shocked to know that I have been a victiom of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me, as I am in the process of trying to close on a home. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Product: Debt collection

XXXX XXXX XXXX, a billing company for SunNova Energy call me EVERY month if the check is even 1 day late. Their address is XXXX # XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. I have had checks take longer than anticipated to arrive and they call me and harass me to let them take the payment over the phone. I mail checks to this company as I do not want to pay the additional credit card fees to pay by credit card. My bill printed with a date XX/XX/year> FOR {$8.00} arrived on XX/XX/XXXX, and we wrote a check and mailed it the SAME DAY. On XX/XX/XXXX, because they did not have a check they called me at XXXX. When I told the woman that the check was already mailed she insisted that I needed to pay the 4 day over due amount.
Product: Debt collection

Borrowed money in XX/XX/XXXX for {$1000.00} and the payments were never deducted from my bank account. After a few months, I contacted the original loan company and was told that they had no file with my information for a loan. I did not hear from them after that until XX/XX/XXXX when I received a rude message from a woman from XXXX XXXX stating that myself and my attorney needed to contact her. The woman also stated in the voicemail that I was the registered owner of a XXXX XXXX vehicle. The vehicle she mentioned belongs to my ex husbands wife, who happens to have the same name as me, following her marriage to my ex husband. I do believe the lady from XXXX XXXX received my contact information from my ex husbands current wife. After that, I continued to receive numerous messages about a file connected to me. I have been working with a credit repair company for a year and they had sent requests to this debt collector requesting they validate the debt but the documentation was never produced. I am in the process of taking the steps to purchase a home and I needed to get this debt removed from my credit report to move forward. I spoke with the lady at XXXX XXXX and requested validation of the debt which again was never produced. I was told my only option to resolve the debt was to pay a sum of {$850.00} to which I did pay on XX/XX/XXXX so that I can proceed with a home loan. All of the information that was listed on my credit report about this debt was incorrect and not validated. I am asking to have this information verified and corrected or have the account deleted from my credit report due to false information. I would also like to request a full refund for the sum of {$850.00} that I was forced to pay. Other than what was reported to the credit bureaus, there has not been any sort of documentation printed on paper regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently on the XXXX of XXXX the account XXXX was removed from my credit file and then reopened without me even applying, that is illegal according to the FRCA.
Product: Credit reporting or other personal consumer reports

I requested a correction of the late payments listed on XX/XX/year> & XX/XX/year> with proof of when payments were made. No information was provided
Product: Credit card or prepaid card

Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement I just received this notice while searching for a prequalification online. I was advised this was rectified and removed months ago. I had 2 credit cards that had auto pay set up and when I lost wallet inclusive of cards the corresponding bank account was also closed with a new one reissued as a precaution.

This was conveyed several times and I even reported cards lost. Initially it was advised these cards were being reopened by about 7 different reps only one stated the contrary and she was apparently on to something as they have not been to date. 

I never miss my payments I have been a model customer and this is completely demoralizing. This hold should absolutely not be on my account as I did nothing to warrant it I continue to pay like clockwork prior to and every month thereafter o have not had any issues of any kind. 

Remove this hold and ensure there are no issues moving forward please. 





The information contained in this e-mail message is privileged and/or confidential and is intended only for the use of the individual or entity named above. If the reader of this message is not the intended recipient, or the employee or agent responsible to deliver it to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communications in error, please immediately notify us and destroy the original message. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Card Services is inaccurately reporting to the credit bureaus. To Experian and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to Experian. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.
Product: Debt collection

I found a collection account on credit report that looked suspicious. Contacted ERC to inquire about collection and ERC could Not locate collection account under my social security number. ERC was able to locate an account with my name and different social and an address I have never lived at. ERC REFUSES TO CORRECT AND REMOVE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a formal complaint under 15 USC 1681 and the Fair Credit Reporting Act regarding violations of my rights by consumer reporting agencies. As a natural person with federally protected consumer rights to privacy and confidentiality under 15 USC 1681, I demand the immediate deletion of the following accounts on my credit report, as I did not give permission for them to be furnished : XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX According to 15 U.S.C. 1681 section 602 A, I have the right to privacy. Additionally, section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions, and section 1681c ( a ) ( 5 ) prohibits any consumer report containing certain adverse items of information, including those antedating the report by more than seven years. 

Furthermore, under 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. The consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as I have noticed multiple billing errors that have not been properly reflected on my statements. I demand to see hard proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX If these accounts are not updated immediately, I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took a loan for {$8000.00} from One Main Financial, XXXX MI. In addition to that, I had agreed to the insurances the loan rep presented. The loan total is XXXX. The amount of interest I will pay is based on the XXXX. 
At home I reviewed the documents and cancelled the three insurances, a total cost of XXXX, on XX/XX/2023. I requested that the loan is re-amortized based on the loan amount minus the insurances. The company has refused. Their solution is to send me a refund for these three insurances. This is unacceptable because, over the next 5 years I will be paying interest and fees for XXXX rather than the {$8000.00}. 
I have spoke with a number of customer service and Corp Office employees. They absolutely refuse. This practice must be illegal
Product: Credit reporting or other personal consumer reports

KIKOFF has sent me a email stating that they fount that this account is a result of identity theft and that they would have this account removed from my credit report and it is still reflecting on my report without my consent.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage comany, LoanCare owes me a check for {$3400.00}. It is an escrow overage payment that was incorrectly issued. 

The overage check is to be issued in my name, XXXX XXXX XXXX. I initiated this payment on XX/XX/2021 via email to a customer support individual. I called about the status of the status of the check on or around XX/XX/XXXX, as it hadn't been received. The customer support person I spoke with told me that there was an error and to look for the escrow overage check by XX/XX/2021. It never arrived. 

I again emailed the customer support individual that the check has not arrived. He did not respond. 

In summary I've emailed LoanCare twice and called the company as well. Over a month has elapsed since first I asked my name to be used on this overage check. LoanCare owes me {$3400.00}, which I need.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested proof of the previous investigation of a XXXX day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. investigations were completed and none of this was provided. I demand that the XXXX days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX. The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately
Product: Debt collection

XXXX XXXX fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because XXXX XXXX/HSBC is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.
Product: Debt collection

ATG credit has refused to remove a derogatory statement on my credit after several phone call to Ms. XXXX. Initially I was sent a bill for {$740.00} then {$530.00} in XX/XX/XXXX. In XX/XX/XXXX a XXXX collection was placed on my credit report. On XX/XX/XXXX I paid the bill and requested my credit report be updated. ATG credit will not accept or return my calls and continues to report a collection on my XXXX and XXXX  credit report. I have a receipt for the paid in full debt. Phone number for ATG XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}
Product: Mortgage

1. Have applied for loan modification XX/XX/XXXX and XX/XX/XXXX 2. The lender approved my loan, thy want us to payoff the Homeowners association lien. This lien is in the second position.

3. Modification of the loan does not affect the Lien position of Wells Fargo bank 4. We offered them few options a. Increase the loan amount by {$11000.00} to pay off the lien.

b. There is no requirement to pay off the lien 5. They at this time bent on foreclosing our property.

6. We are making the payments from the day we filed Chapter XXXX Bankruptcy.

7. Our main problems are we can not catch up with the arrears.

8. The arrears can be put into the modified loan amount.
Product: Credit card or prepaid card

Capital One restricted my credit card account -- without warning -- due to inactivity. They will close it in 4 months ' time. The card had a large credit limit, with XXXX balance due, and I would have used the card to prevent having the account closed. This will be a negative hit on my credit score, which I have worked to maintain at the highest level. 

I had the card for over a decade. I stopped using it regularly because other cards became available with much better travel and rewards incentives. Perhaps Capital One should have considered alternatives to sustain my use of their product. 

I understand that Capital One wasn't making money off my account. Still, customers should have an opportunity to take steps to protect themselves. Capital One agreed to a credit limit, and I utilized it. Agreements work both ways. 

There is not a single word in the agreement that the account can be closed due to inactivity.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Student loan

Okay, this is a complaint about Navient, among other egregious issues as they are just the XXXX 's loan company the preyed on people for years before other lenders decided to do private student loans. Besides that normal problem, for the last month, I have been working with my current school XXXX to defer my loans for another year, as the school mistakenly put my graduation down for the wrong year. The school has done everything possible, they called Navient, they sent numerous documents and updated the NSLDS stating when my new graduation date is. I emailed the company several times I got one response back stating that everything was going to be deferred and then today I got an statement for next month stating that I owe over {$300.00} which I can not pay while I am back in school. So it appears to me that I keep getting lied to by Navient and this company WANTS be to default. The worst part is my XXXX were deferred with no problem. I have to documentation to prove that they said everything was deferred to 2019 and the money they are now asking for.
Product: Debt collection

The calls began 4 weeks ago. I have received a call from XXXX XXXX XXXXXXXX XXXX at least three too four times a day from random numbers requesting payment. I answer the calls and explain my situation of unemployment. However, they continue to call through everyday and through out the day. On XX/XX/18 at XXXX XXXX, I spoke to a call center manager, who I requested a verbal cease and desist. In addition, I requested an address where I can submit a written cease and desist. The address was not provided and the manager once again began his collection tactics. I am requesting assistance on having the calls stopped until I am able to make arrangements on paying my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

Nissan Motor Acceptance has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Nissan Motor Acceptance I have never purchased or financed a car through this company. They placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried to contact the company several times to no avail they wont provide me any information although the charge off is reporting on my credit. I informed them I have never financed a car with Nissan nor have I purchased a car from any Nissan dealership