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

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies Equifax, XXXX, and XXXX. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off letters to Equifax back on XX/XX/XXXX, XX/XX/XXXX & most recent on XX/XX/XXXX. I included within my letter to investigate several accounts that were reporting inaccurate. Equifax failed to comply by their company policy to provide me with verification of accounts that has and is still continue to report. I just recently received an updated credit report date stamped as XX/XX/XXXX that still has those accounts on there. It read that the accounts were verified, however I never received any information on that information. Their investigation was not proper handled. I specifically asked to provide me with the furnished documentation that show proof that I own the allege debt. Equifax failed by not providing any information. My creditability to others is tarnishing my reputation and defamation of my character. The accounts that are currently reporting are the following ; XXXX XXXX XXXX XXXX ( Acct # XXXX ) in the amount of {$230.00} dates are XX/XX/XXXX and XX/XX/XXXX ( Acct # XXXX ) in the same amount of {$230.00}. The other account is XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) Date XX/XX/XXXX in the amount of {$190.00}. I have continue to send letter to validate the allege debt that I am accused of owing. I have not received any resolutions to the mentioned accounts.
Product: Debt collection

I sent them a letter asking for proof I owe this debt. They didn't provide the information. I have attached the letting with tracking information that I sent to them & their reply
Product: Credit card or prepaid card

Prepaid credit card. I sent {$200.00} for a {$200.00} limit. On XX/XX/20, I sent an additional {$100.00} to increase my limit to {$300.00}. Card still shows {$200.00} limit
Product: Student loan

Subject : Formal Complaint Against Nelnet for Refusal of Tender Following Receipt of 1099C Dear CFPB, I am writing to file a formal complaint against Nelnet regarding their refusal of tender following the receipt of a 1099C for the cancellation of debt. The events leading to this complaint are outlined below : 1. XXXXXXXXTimeline of Events : XXXX XXXX XXXXXXXX  XXXX XXXX  I received a 1099C for the cancellation of debt. 
XXXX XXXX XXXX XXXX I forwarded a copy of the 1099C ( Copy B ) to Nelnet as proof of the cancellation of debt. 
XXXX XXXXXXXX XXXX XXXX  Nelnet sent a written refusal of the tender. 

2. XXXXLegal Basis : XXXX The refusal of tender by Nelnet falls under U.C.C-3 3-603. According to this statute : - Subsection ( b ) states that if tender of payment is made to a person entitled to enforce the instrument and is refused, there is the discharge of the obligation, to the extent of the amount of the tender, for indorsers or accommodation parties.

- This refusal invokes the discharge of obligations under the principles of law applicable to the tender of payment under a simple contract ( U.C.C-3 3-603 ( a ) ). 

3. XXXXRequested Remedies XXXX XXXX XXXX Immediate discharge of the sum total listed on the 1099C attached.

- Alternatively, compensatory damages of {$1000.00} for every day Nelnet continues to be delinquent in acknowledging the discharge. 

4. XXXXDocumentation XXXX XXXX Enclosed with this complaint, please find : - A copy of the 1099C ( Copy B ) received on XXXX 
- Evidence of the tender of payment on XXXX 
- Written refusal of tender received on XXXX 

5. XXXXConclusion : XXXX The actions of Nelnet are in violation of U.C.C-3 3-603, and I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly.

I appreciate your attention to this complaint and look forward to a resolution that ensures compliance with applicable laws. 

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

Last warning. 15 U.S. Code 1681n - Civil liability for willful noncompliance To Whom it may concern..

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

XXXX states that it is making a new update request to correct inaccurate information previously requested by me on XX/XX/XXXX. I have official, visual evidence showing that I have made previous disputes on XX/XX/XXXX, requesting that the erroneous information be disputed and updated, ( I provide evidence ), to which XXXX updated and responded that the disputed information was accurate and correct, XXXX stated that this account did not contain any errors or inaccurate information. which is totally false and illegal. 
I also filed another dispute with proof included on XX/XX/XXXX, which again updated unverified and erroneous information, once again violating consumer rights laws FCRA. 

Company : XXXX XXXX XXXX Account number : XXXX Under 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX several times about the accuracy of these accounts and XXXX has lied saying that they have corrected them and that there is no inaccuracy in their reports to Experian, ,,15 U.S. Code 1681i ( 5 ) states that after reinvestigating a disputed account by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be deleted immediately. 

This is also in violation of 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I will not tolerate any further failure or non-compliance by XXXX with the Fair Credit Act and this is my last warning to XXXX to DELETE the account with Experian. I am willing to file a lawsuit for non-compliance by XXXX with the laws mentioned in this dispute. 

I demand that my written evidence in this dispute be reviewed and that XXXX delete the account at Experian and enforce 15 U.S. Code 1681i ( 5 ) Att : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This is a Notice to Dispute & Debt of Validation of the alleged unpaid debt to the third party debt buyer company, Bonneville Billing & Collections , XXXX., whom has served me service of summons that also stated the debt was assigned from XXXX XXXX XXXX XXXX ( XXXX ). I am requesting the following demands to verify the validity of this matter. Upon discovery from service of the summons, it has come to my attention that Bonneville Billing & Collections , XXXX. states that I owe the principle remaining balance of {$12000.00}. It also states that upon discovery from service of the summons Bonneville Billing & Collections , XXXX. was assigned the account from XXXX XXXX XXXX XXXX on XXXX21.  Lastly, showing upon discovery from service of the summons that Bonneville Billing & Collections , XXXX. states they are collecting the alleged debt on behalf of the original creditors, XXXX XXXX XXXX XXXX. I am requesting for the following as I am not implying to run from my obligations, but to show the Validation of this alleged Debt as the company stated I owe. 

-Identification and attachments of forward flow agreement between Bonneville Billing & Collections , XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX ) -Identification and attachment of statement and files from record keeper of business. 
-Identification and attachments of any written instruments on which this allegation is based, as per Civil Rules, or explanation of its omission as required in Civil Rules. 

Thanks, XXXX XXXX
Product: Mortgage

In XXXX of 2015 we received from Wells Fargo Bank an advertisement to refinance our home loan for 20 years at a fixed rate of 3.25 %. Being that refinancing would save us $ XXXX, our monthly payments would decrease, and we had 20 years left on our original mortgage, It would only make since to apply for the refinancing. 
We applied for the loan, paid the required fees and were told that the loan was approved. Wells Fargo Bank has now reschedule the closing of the loan XXXX times stating each time that they need more information from us, information that they have previously been sent. XXXX times I have been called back to my home from out of town to close only to be told the closing has been postponed. It appears that the bank is stalling with the offer that was made in hopes that we would decide not to refinance so that we would lose all money we have paid so far and also that since we applied for the 3.25 % loan it has now increased to XXXX and higher. During my last phone conversation I was ask if I wanted to stop the application process, but I would lose all the fees I had paid. Seems that something is not right here with Wells Fargo Bank. This process started in XXXX 2015 and it is now XXXX 2015. Looks to be a bait and switch or just a way for Wells Fargo to attempt to take ones money by hoping they will eventually give up on the loan application and forfeit all that has been invested in the application! I wonder how many others have been drawn into this scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a XXXX XXXX XXXX for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to XXXX. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Please remove this 30-Day late payment for the month of XXXX immediately. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting

Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's.
Product: Mortgage

NATIONSTAR MORTGAGE CONTINUES TO LIE TO CUSTOMERS ABOUT OWNERSHIP OF THEIR MORTGAGES. OVER AND OVER THEY CLAIM TO BE THE FEDERAL GOVERNMENT WHILE ACTIVELY DEFRAUDING IT THROUGH A COMPLEX BUT EASILY UNRAVELED FORECLOSURE SCAM. 

NATIONSTAR CONTINUES TO LIE ON THE CFPB RESPONSES, IGNORING NEW EVIDENCE WHILE PENCIL WHIPPING THE SAME, LYING, DISHONEST ANSWERS FROM PRIOR DECEPTIVE ANSWERS. 

NATIONSTAR TOLD THE CFPB THAT OUR PAYMENT IS {$940.00} THIS MONTH BUT OUR STATEMENT IN THE MAIL IS JUST UNDER {$2500.00} .... INTENTIONALLY DECEPTIVE WITH FEES ADDED AND GROWING FOR NO VALID REASON. 

NATIONSTAR REFUSES TO MAIL ACCURATE MONTHLY STATEMENTS. 

NATIONSTAR CONTINUES TO STEAL PRINCIPAL WITHOUT CREDIT. 

XXXX AND XXXX ARE RUNNING A WELL ORGANIZED, MULTIBILLION DOLLAR, CRIMINAL SCAM. 

FORTRESS INVESTMENTS AND NATIONSTAR ARE CRIMINAL ORGANIZATIONS AND XXXX SEEMS TO BE THE SOLE SOURCE OF ALL OF THE VIOLATIONS BELOW HIM. THEFT, DECEPTION AND WRONGDOING ARE STANDARD. 

COMPLIANCE IS NEAR XXXX
Product: Payday loan, title loan, or personal loan

Recently, I was denied an extension of credit by OneMain Financial for a personal loan on XXXX XXXX ( 12 CFR 1002.7 ). I received a phone call from OneMain Financial and was told that in order to move forward with loan process documents needed to be uploaded and income verified using OneMain Financial provide process via www.onemainfinancial.com. It was not until my credit report was used ( resulting in an a credit inquire ) that I was informed that the bank where I received my direct deposit into is not an institution on the list of banks that OneMain Financial verification platform recognized was as if this information was disclosed before hand I would not have conducted business with OneMain Financial. Then after I was told there was no more they could do. All in good faith the application for a line of credit for {$7500.00} was completed and fulfilled by I, the applicant with no funds or goods in return. In which is in clear violation of ( 15 U.S Code 1681N ( b ). Although I was notified of the denial, I was not properly issued written notice explaining determination of denial not in compliance per 15 USC 1681b ( b ) ( 4 ).
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX AND XXXX are report inaccurate information on my credit report about my chase auto loan with XXXX # XXXX. I proof that chase Auto agreed to update my credit file however XXXX AND XXXX  are refusing to make the changes, they keep saying that they spoke to chase regarding this account and that they agreed that is accurate which i don't believe because is on the chase auto system when i called and they pulled the information they had send me and is exactly the same. I think they not taking the time to investigate and just sending me random answers. am going to attach a copy of both letter from chase auto as proof.
Product: Debt collection

On XXXX. XXXX, 2019, ENHANCED RECOVERY COMPANY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt collection on my credit report several times now. The company is XXXX XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.
Product: Payday loan, title loan, or personal loan

My military loan with Omni Financial was sent to collections, charged off as a bad debt, and a profit and loss write-off. Every month they keep adding to the amount of the loan they report to the credit bureaus. It was a {$7700.00} loan but now it's showing as {$22.00}, XXXX past due. The company keeps adding money to the amount past due every month, even though it's been charged off and a write-off. Please help me correct this.
Product: Credit reporting or other personal consumer reports

Transunion Dear TransUnion Dispute Department, I am writing to dispute incorrect personal information that is currently listed on my credit report. Please investigate and correct the following inaccuracies : XXXX. Address Information : XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and should be removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, SC This address is incorrect and should be removed from my credit report. 

I do not reside at these addresses, nor have I ever lived there. Please ensure these are deleted from my file. 

XXXX. Employment Information : XXXX XXXX This employer is incorrect and should be removed. 

XXXX This employer is incorrect and should be removed. 


Experian Dear Experian Dispute Department, I am writing to formally dispute incorrect personal information listed on my credit report. I request that you investigate and remove the following inaccuracies : XXXX. Name : XXXX XXXX This name is incorrect. Please remove this variation from my file. My full legal name is XXXX XXXX XXXX. 

XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address. Please remove it from my report. 

XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address. Please remove it from my report. 

XXXX. Employment Information : XXXX This is incorrect and should be removed from my file. 

XXXX This employer is incorrect and should be removed from my report. 


XXXX Dear XXXX Dispute Department, I am writing to dispute incorrect personal information listed on my credit report. Please investigate and remove the following inaccuracies : XXXX. Names Reported : XXXX XXXX XXXX This is also incorrect and should be removed immediately. 

XXXX. Employment Information : XXXX XXXX I have never worked for this company. Please remove it from my report. 

XXXX This is not a correct employer and should be removed. 

XXXX XXXX This employer is incorrect and must be removed. 

XXXX. Addresses Reported : The following addresses are incorrect, and I request their removal from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a vehicle financed thru Exeter Finance. The vehicle was totaled in XX/XX/year>. The insurance paid the on the vehicle, but it wasnt the full amount. Ive paid on the vehicle the pending payment. The remaining balance on the vehicle was paid off by the cancellation of the extended warranty, along with a check from the Gap insurance company in the amount of {$4300.00} which paid the vehicle in full. 

The Exeter Finance Company has reported to the credit bureaus that they charged off {$4300.00} of the balance which is incorrect. The vehicle was paid in full, and after several attempt to dispute this item to change from showing a charge off, Ive been unsuccessful and its causing a red flag on my credit. 

Ive submitted the documents from the Gap company, and Ive contacted Exeter Finance for a full pay off report. Exeter Finance stated they will send the itemized payoff report, back in XXXX, but have failed to do so. The credit reporting company XXXX has stated even though its saying charge off on my credit its still showing a XXXX balance and us refusing to change the report to paid in full, which is a big difference.
Product: Debt collection

This company left me two voicemails in two days that uses legal words in regards to some debt, they do not identify which one in the voicemail or at least who the original creditor is. They make reference to a " File No '' as well as giving my a 24 hour time deadline. They stated they were calling from " Asset Verification '' implying that I was required to give them certain information by law. I have attached the two Voicemails.