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

I am in the middle of purchasing a home and late payments from Nelnet keep popping up on my XXXX and XXXX  reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why Nelnet is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with XXXX and XXXX and for some reason, someone at Nelnet keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX  XXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


LOQBOX-XXXX  Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I
Product: Debt collection

Roosen , Varchetti & Olivier , PLLC and XXXX XXXX purposely filed complaint and lien in bad faith. The complainant never received the summons which when to an address that the Complainant did not live. Roosen , Varchetti & Olivier , PLLC and XXXX XXXX XXXX, had the Complainant 's current address on XXXX XXXX in which XXXX combined the XXXX apartment number XXXX with her mother 's address XXXX XXXX, which read XXXX XXXX XXXX XXXX 

At the time the Lien was filed with the XXXX XXXX Register of Deed, Roosen , Varchetti & Olivier , PLLC and XXXX had the available means to contact the Complainant via media just by entering her name, but continued to use the bogus address. 

The same way Roosen , Varchetti & Olivier , PLLC and XXXX was able to acquire the accurate information necessary to apply the lien to numerous of the Complainant 's bank accounts which would have entailed more data, than a name and address search, to properly serve the Complainant.

Using the bogus address is a blatant disregard of the Complaint 's 14th and 7th Amendment rights as provided by the U.S. Constitution regarding due process, equal protection and right to trial. 

At the time XXXX filed the Lien at the XXXX XXXX Register of Deeds, the Complainant had a land contract, paid by her XXXX, income that was exempt and in XXXX  the property was protected by the " Homestead Exemption. '' By using a bogus address, XXXX had no intentions of the Complainant ever address or objecting to the debt. 

The Complainant has filed an affidavit showing XXXX  that she was a victim of " Identity Theft '' and gave them the perpetrators information, including her police record which shows her other criminal acts including " Identity Theft '' and Complainant filed a police report regarding the " Identity Theft '' issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Experian, has violated my rights and is in violation of U.S code.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 US Code 1681 States accuracy and fairness of credit reporting 15 U.S.C 6801 States protection of nonpublic personal information I am writing to respectfully demand that Experian investigate and remove the inaccurate information currently being reported on my credit report. Specifically, there is an entry for an " Account charged off '' with a balance of {$1300.00} that was written off and past due as of XX/XX/2023. I have previously requested for this information to be investigated and removed, but to no avail. 

I believe that this information is inaccurate and should not be reported on my consumer report. According to the IRS, a charge off is considered to be gross or ordinary income, which should not be reported on a consumer credit report. The reporting of this information is causing harm to my credit score and reputation, as I have been denied multiple lines of credit due to this inaccurate information. 

I understand that Experian 's role is to protect the nonpublic personal information of its consumers. However, in this case, I believe that Experian has not fulfilled its duty to me as a consumer. I am requesting that Experian take immediate action to correct this error and remove the charge off from my consumer report. I believe that this action is fair and equitable to me as a consumer. Thank you for your attention to this matter. 


Enclosed : ID, Utility bill, Proof of charge off status, IRS charge off information, FTC report
Product: Payday loan, title loan, or personal loan

I made a payment of XXXX for my XXXX XXXX bill, I purchased a XXXX XXXX money order on XX/XX/XXXX and mailed it off that same day and in XXXX of XXXX I received a statement that my payment was never received, they never once called me but the statement says I now owe for 2 months, I called them, they were rude I tried to talk calm and reasonably with them but they always talked over me, I heard that postal services are behind and its my fault I could not find my money order stub with the number on it, so I called them again on XX/XX/XXXX about that payment with was still showing never received, I spoke to a representative named XXXX, I ask if they could let me talk to a supervisor and he says that they are going to tell me the same thing he told me and that was that I still owe the XXXX payment and I insisted that I speak to a supervisor because I said they have more authority than you to help me, he placed me on hold for over 5 minutes and came back and said they are all in meetings, I asked for the supervisor name and I get the run around, he says they will have someone to call me, they are always verifying your number and email, but they never call me or reach out to me by email, I was given an email address for them if I have a complaint, I did email and still no response. I called back on XX/XX/XXXX to talk to them, I again spoke to a representative and says that I have called several time to get someone to help me and to talk to a supervisor because all I wanted to know is if they can take that XXXX payment and put it at the end of my loan and I continue to make my original payments of {$120.00}, and I let them know that I was not happy about when you make a payment they are charging extra {$5.00} to do it over the phone with them or when you make it online and that was never told to me nor did I receive a letter from them that my loan was sold to them from XXXX XXXX, and Concord Services never provided me with there loan number and that my old loan number was still attached from XXXX. XXXX the supervisor I spoke to about putting that XXXX payment at the send says it should be no problem but he would have to send it to his Account specialist for a payment deferral request and it may take up to 3-4 business days for a response and he verified my phone number and email, I let everyone that I spoke to that I was very unhappy with the service that I have been receiving from Concord and this was on XX/XX/XXXX and here it is XXXX XXXX and no one has attempted to reach out to me about anything.
Product: Credit reporting or other personal consumer reports

Ive been through XXXX  XXXX, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00}
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer to XXXX on XX/XX/2017 for XXXX Euros. The bank employee who filled out the form put down the wrong beneficiary for the funds but all the other information was correct ; account number, XXXX, etc. 

The funds never arrived and I called the bank repeatedly over the past 3 weeks. When the bank found out their mistake ( on XX/XX/XXXX ) they sent an amendment to the receiving bank. It never got there. 

I have now requested the funds be returned to me but have not gotten the funds back. 

I feel the bank has been completely irresponsible and possibly criminal in their inability to rectify their mistake. 

The wire confirmation is XXXX and the receiving bank is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting Agency continues to Report unvalidated debt. 

Experian you are now in violation of my rights. I reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX. a Collection agency regarding a debt that showing on my credit report Account XXXX XXXX, I requested Validation of the debt and they did not respond. 
I sent you ( Experian ) all proof of my correspondence to XXXX which included letter registered mail and signature was required with NO RESPONSE. Experian says they have verified the debt belongs to me and I havent received proof from anyone. 
This has created me from being able to make financial decisions for me & my family. It deflamation of my character. 
Experian Credit reporting agency is creating a hardship on me along with mental distress.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was surprised to find accounts that shouldn't be there, and I have no clue why. I check my report regularly, but this time, I noticed inconsistencies that hadnt been there before. I even tried refreshing my browser, hoping it was a temporary error, but the incorrect accounts remained. Because of this, I am requesting a careful review of my submitted documents so I wont have to deal with this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are listed on my report that don't belong to me and I have already contacted companies. 

XXXX 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 card or prepaid card

Belk/Synchrony Bank reversed a payment. My bank and I have a copy of the Cashiers Check that was cashed by Synchrony Bank on XXXX. My Banker and I have repeatedly faxed this Cashiers Check receipt to Belk/Synchrony Bank XXXX
Product: Mortgage

Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY Reported : XXXX XXXX, 2020 add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Product: Debt collection

I told a gentle man who called on XX/XX/XXXX that I retained an attorney for bankruptcy, and tried to give him the name and phone number. he became abusive, saying he did not want that information he was trying to collect a debt from me not any attorney, I tried to repeat my attorney info and he just kept speaking over me and I hung up. 
Today XX/XX/XXXX female called me stating she was the branch manager from tower loan in XXXX, IL, I told her that a already told s gentleman yesterday that you need to speak to my attorney, she just began going into the reasons why I took the loan, was abusive and rude and once again refused to take my attorney information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Equifax for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXXXXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance.

TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXXXXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed in several disputes to all 3 credit reporting agencies along with those disputes each envelopes has my verification that I am indeed the one disputing incorrect information as of today XX/XX/2023 none of the CRA shows an active dispute In process on my profile and I very concerned about my disputes and why they have yet to start processing.
Product: Student loan

In XXXX of XXXX I filed for Chapter XXXX bankruptcy due to undue hardships as result of a divorce a few months after our child 's birth. All creditors included in the bankruptcy filing were notified at least 2 weeks before my bankruptcy meeting of creditors on XXXX XXXX, XXXX. Navient/Department of XXXX was included in this list filing with a total amount of debt to be discharged of XXXX. This included two separate student loans each amounting to XXXX and XXXX respectively which was noted in the 'Other ' section of the XXXX XXXX XXXX. No creditors attended the creditor meeting in XXXX or disputed the bankruptcy. My Chapter XXXX Bankruptcy was granted in full on XXXX XXXX, XXXX. Nelnet/ Navient XXXX Department of Education have continued to bill and contact me all with varying stories stating it will be done in 1-2 days, then that it takes 30 days to process and that I will need to put a forbearance on the account, that my bankruptcy expired on the exact date it was granted, that they could not approve it without the list of creditors attached to/included with the order of discharge form even though no such thing exists, that they have some denial letter in their history ( which does n't exist ) and then that they do n't, giving me incorrect fax numbers, claiming they never received a fax in full that I have the proof of successful submission for, then telling me that ALL federal loans can not be discharged via bankruptcy, etc ... It is true some can not be XXXX but mine was granted under the 11 U.S.C. 1328 XXXX b ) for undue hardship, poverty persistence and good faith ( via XXXX decision of XXXX ). I am not liable for these debts under 11 U.S.C. 105 of bankruptcy code the bankruptcy automatic stay and discharge. I am unable to get them to stop attempting to collect or accept my order of discharge as such and that they are " above the law ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft there are items on my credit report that I need to get deleted so I can move on with my life.
Product: Debt collection

Transfinancial is open on credit report for {$5900.00}. I called Transfinanacial to check balance on account, I was told my account was open and theres no balance. They stated that they wasnt reporting the account. I called XXXXXXXX XXXX, I was told the same as well. I can not get another property in my name due to this reporting being inaccurate. The communication with both parties happened in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.