23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Dear Credit Bureaus : My wallet was stolen out of my car back in XXXX, 2015 and it had my social security card, driver 's license, and all of my credit cards. As a result, I filed a police report that is attach to this letter, with a copy of my driver 's license and bill for my current address which validates my address. My credit cards were closed and new ones had to be issue because the thief used my credit cards and occurred debt without my knowledge. Today as I was reviewing my credit report, I noticed that I have a collections account on my credit report from XXXX XXXX XXXX that does not belong to me.
Product: Debt collection

From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a newly added account the day I saw it add itself to my report. In the dispute results, it said I was correct but they updated unrelated information. It is still on my report. 

This was for medical debt that is supposed to have a 90 day period before it even shows up on my report. I was unaware of the debt and would like it to come off my report so that I can make payment arrangements with the creditor. 

The account is with XXXX XXXX XXXX. Apparently the account was opened XXXXand as of writing today has been only 69 days. I never received any communication of the debt previously. 
I tried that same day to reach out with their email communication form directly with the company and have not had a response there either.
Product: Debt collection

This company keeps calling me and I do not owe them any money. I spoke to them and told them my name, I live alone, and that I am elderly. I asked them to stop calling but numerous times per day they call. The number that appears on the caller ID changes so I do not know if this is a scam but their harassment needs to stop.
Product: Student loan

I submitted my application to the SAVE plan in early XXXX, I would guess the first week of the month. Unfortunately I can not provide an exact date because the Nelnet website is currently down as I write this, as it has been several times when I have tried to check the status of my student loans and my repayment application. 

When I initially submitted my application to the SAVE plan, there was a note on my account that Nelnet had received my application and that I should provide them 14-21 days to process the application. After a few weeks I noticed that that message disappeared, and now it only displayed the message about when they received my application for the SAVE plan. 

It has been almost a month since I submitted my application with no communication from Nelnet about the status of this application, besides the fact that they received it. Meanwhile, they have been doing a fantastic job of tracking the interest accrued on my loans without providing me information about how much my monthly payment will be, and that is not even beginning to address the fact that half the time I try to log-in to their website it is down. 

Frankly, I am not sure how this is legal and it is unacceptable that Nelnet has known for months now that student loans would be resuming in XXXX with payments due in XXXX. It has been enough work for me to prepare financially for payments to resume, and it seems as if Nelnet has not done the work or prepared to service loans. I believe that they should be held responsible as a LOAN SERVICER for not even managing the minimum responsibility of maintaining a working website.

This has put an incredible amount of stress on me and my wife and has made financial planning difficult. My wife also has loans with Nelnet after being moved from Great Lakes, and she has also been unable to speak with anyone at Nelnet over the phone due to wait times of over 2 hours on the phone. Nelnet needs to be accountable to borrowers for the loans that they are servicing. There is an extreme lack of accountability on their part for not maintaining a working website where borrowers can access their loan information and for not having enough customer representatives on staff so that borrowers are not spending hours of their day waiting on hold to ask simple questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial dispute was submitted in XX/XX/2022... still tryping to resolve error... see attached letter
Product: Credit card

I have been disputing inaccurate information that is reporting to the XXXX major credit reporting agency 's in regards to my capital one account. It is reporting as having a late payment. ( which I never was late in paying ). Recently I requested my interest rate to possibly be lowered. Capital one lowered the interest rate and sent me a letter that I would receive {$24.00} credited back to my card due to the lowered interest rate. I viewed the statment and it is showing as a late payment reversal fee. I contacted capital one as I explained that I was not late with my payment and have not received the credit back to my card they had promised. I was told that on XXXX/XXXX/2016 there was a credit for {$24.00} and on XXXX/XXXX/2016 there was a credit for XXXX cents. I explained that this is very confusing because showing on my statement it is showing as a late fee reversal. I also asked why in XXXX the XXXX then in XXXX the XXXX cents. I was told this is the credit that I was to receive for the interest rate. This is very mis-leading as it shows on my side that I was late and they gave me back the late fee. This is wrong information and also very confusing. I am submitting this complaint because I was not happy about seeing a late fee credit when I was not late. It should be listed on the statement a credit due back for lowering interest rate. This is very diseving. I am submittin this complaint because capital one is reporting that I had a late payment last year ( which I did not ). Having this deragatory remark reporting on my credit reports is affecting my credit score in a negative way. After seeing today how my statement read an untrue fact is quiet concerning to me.
Product: Mortgage

I originally closed my home loan with a company called XXXX XXXX. My husband is a XXXX vet and we received a VA loan. My loan was sold twice since then. When Amerihome my second lender sold my loan to XXXX XXXX my third lender, I was not aware and I inadvertently sent my payment to Amerihome. When I contacted my new lender Amerihome and told them about my concern they told me to get in touch with Amerihome they told me they will hold my payment for approx 60 days before refunding it to me. Meanwhile my new lender XXXX XXXX  is saying I am late with them and there is nobody and who can give me an exact time frame as to when I will receive those funds again.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the Equifax data breach and my information couldve gotten in the hands of anybody.
Product: Credit card

I have called USAA XXXX in 60 days about a stolen credit card and to ace a security freeze and fraud on the card account. Each time USAA denies anything was requested. Each time they tell me that no such action has been taken. Usaa had now let an additional XXXX  dollars be added today and approved despite repeated requests to block and cancel the card. A fourth call today to dispute yet new charges resulted in the same conversations. UsAA is not taking security and fraud alerts and requests for these actions seriously. Overall XXXX XXXX dollars been allowed by USAA to continue to be charged and added to the credit card account despite repeated calls and requests to freeze and halt and cancel the card.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX  {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was contacted by XXXX XXXX XXXX, to inform me that they decided to deny to employ me based, in whole or in part, on information contained in the report furnished by Sterling Infosystems INC . 
Sterling 's failure to employ reasonable procedures to ensure maximum possible accuracy and reporting criminal history information and other adverse information about consumers resulted in an adverse action - denial of employment.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to file a formal complaint regarding several inaccuracies on my credit report that are negatively impacting my credit score. Despite my persistent efforts to resolve this issue directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of the following incorrect items, as they do not accurately reflect my true credit history : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$430.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$480.00} XXXX XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$770.00} XXXXXXXX XXXX XXXX Amount : {$3200.00} XXXX XXXX Date : XX/XX/XXXX Amount : {$210.00} I am confident that these items are erroneous and do not reflect my true creditworthiness. I kindly request that your agency conducts a thorough review and takes the necessary steps to correct these inaccuracies promptly. The continued presence of these inaccurate items on my credit report is causing undue harm to my financial reputation and credit score.

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to rectify these errors. I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX pulled my credit report. I never had a XXXX XXXX XXXX product. I called and they said they cant tell me who pulling my credit to contact the credit bureau. I want them blocked from pulling my credit. XXXX XXXX XXXXXXXX has no right doing a inquiry on my credit if i didn't apply for anything.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX Account XXXX date late payment XX/XX/year>XXXX XXXX XXXX XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to express my concern about a recent debt collection notice I received from Jefferson Capital on XX/XX/2024, on behalf of XXXX. I believe this collection is fraudulent and inaccurate. 
[ Include a clear and concise explanation of the situation. Be sure to mention that you closed your XXXX account XXXX  years ago, returned the device as instructed, and have proof of the return. Also, emphasize that you made all payments on time and that XXXX covered the remaining contract balance under a promotion. ] I have attached copies of the following documents as evidence : * XXXX account closure confirmation * Device return shipping confirmation * XXXX promotion details I kindly request that Consumer Reports investigate this matter and take appropriate action to remove this false debt from my credit report. I am willing to provide any additional information or documentation as needed. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, XXXX, and Experian credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part
Product: Debt collection

XXXX back sent bill that was paid in full to collection I requested a full pay history to dat no word pal had the and or have the information but refused to provide it but the record they receive the last payment XXXX XXXX but refuse to send full record
Product: Debt collection

Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Product: Debt collection

A review of my credit report shows an erroneous charge by XXXX of {$2900.00} ; for what I do not know. Upon my departure from my rental unit in 2011, I paid all rents due. Now they seek a large sum of money for services I did not incur. In so doing, they violate the Consumer Protection Law and the Fair Debt Collection Act. This erroneous credit reporting has greatly impacted my way of life in a negative way ; I am unable to experience the joy of renting an apartment or purchasing a car because of bad credit.
Product: Debt collection

ProCollect, LLC is in violation of 15 usc 1692g due to there is no agreement between myself and them. I did not grant written permission for my information to be trafficked illegally to this 3rd party collection agency and I have no knowledge of who they are. They illegally purchased my information from a former landlord from an apartment complex which has shown that I do not owe anything. And the debt was never validated prior to the 3rd party collection agency putting it on my credit report. This is identify theft and trafficking which has caused me harm concerning my credit worthiness and FICO scores have dropped tremendiously due to this infraction. I was just denied housing, and a business loan. I request that ProCollect validate the debt with the original agreement with with wet ink signature between me and them, debt removed from all credit reporting agencies, and compensate me for my compensatory damages per violation which serves as a penalty for ProCollect 's negligence which is a violation of policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Continental Finance/ XXXX XXXX is attempting to benefit from my credit card which by law is my social security card. I used it to originate this consumer credit transaction on my open end credit plan. Not only that Continental Finance is denying me credit just for exercising my rights to extend myself credit and defer debts. In the initial communication I had never received the 5 things by law that are required to validate a debt. I have sent Continental Finance a affidavit making them aware of their violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, inconsistent, and unverifiable information appearing on my credit report with your bureau. I have noticed significant discrepancies in the reporting of items across TransUnion, XXXX, and XXXX. These discrepancies, along with the non-public information shared across reports, have caused confusion and do not align with the requirements of accuracy and validity outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

A month 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 included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX