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

Nelnet Thank you for taking the time to read this letter. I recently pulled my credit report and found that Nelnet Student Loan Servicing reported a late payment regarding my account.

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX -XX/XX/XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from Nelnet. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. 

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My monthly mortgage payment went from XXXX to XXXX When I called them they told me that my property taxes went up and also home insurance They send me XXXX letters with different numbers, nothing matches, in XXXX part of the letters it explains that Select Portfolio Servicing wants to have XXXX dollars of my money as a reserve in their Bank. 
Ive been making my payments on time XXXX dont have extra XXXX dollars a month for XXXX XXXX keep as an extra reserve escrow
Product: Debt collection

I have 2 collections account from a company I do not know of. I have disputed this on my credit report and they say the debt is valid, without showing proof of signature. Second Round insist that I owe this debt. I would like it removed from my credit report or they need to provide proof my signature for the debt they say I owe.
Product: Credit reporting or other personal consumer reports

The social that is on file is incorrect and is completely not my social security number on these XXXX companies. Also they are putting out false information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer adjustment co According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX RE : follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the accounts ) were verified on [ XX/XX/XXXX ]. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA XXXX ( a ) ( XXXX ). 
To be clear, per FCRA XXXX ( a ) ( XXXX ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information within XXXX  days or delete the negative items from my credit report. 
Best Regards, XXXX XXXX
Product: Checking or savings account

We have over 90 unauthorized chargers on our USDirect Express Social Security debit card statement for a total amount of what appears to be {$730.00} dollars with 59 chargers in XXXX over a 9 day period & 37 chargers in XXXX over 2 days. All of the chargers were made to 9 XXXX accounts. USDirect Express Operator we spoke to says they can not issue any credit for these chargers. Direct Express says that we would have to get XXXX to reverse these chargers. We did fill an unauthorized charge claim with XXXX on there web site, but it was denied. & we have not been able to speak with a live person At this point we are filing a police report to send a copy to US Direct Express to see if this will help keep our claim open. When you have the opportunity to look at the chargers on the Direct Express statement the first thing you will notice is the pattern of dates, times & sites that were chartered. Please let us know what else we can do to recover this money. This is a bad situation for my family as we or on a fixed income but is also for other people. After an internet search trying to find information on the XXXX suites that had ran unauthorized chargers on our card it appears that many people are having the same issue with chargers & XXXX and getting their money back. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is a problem with equifax. In 2016, they had me listed as deceased on my credit report. I called and spoke with someone in 2016 and provided them with current bills in my name, copy of my current driver 's license and address. I did think it was resolved. The last four years I have been improving my credit score, slowly but surely. This past XXXX, after applying for a XXXX XXXX credit card, I was declined due to " one or more of the applicants are listed as deceased ''. I don't know what else to do or how to go about correcting this. Can you help and guide me as to what steps I need to do since nothing worked back in 2016. Thank you.
Product: Debt collection

https : //www.tritonrecoverygroup.comXXXX XXXX XXXX XXXX This company has on mutliple occasions threatend to seize property, destroy our Personal credit and seize any assets. This is a standard demand of them. This happens on a monthly basis. 

We have told them on multiple occasions that we intend to make good the obligation, but the threats do not stop.
Product: Credit card or prepaid card

I purchased a XXXX XXXX for my car from an XXXX vendor on XXXX XXXX XXXX XXXX XXXX number XXXX, XXXX vendor XXXX located in XXXX, XXXX Vendor has been very cooperative, nice people. 

Wrong part was supplied. 

I returned the part, the vendor received. I have XXXX documentation proof. 

The vendor refunded to XXXX. XXXX refuses to return my money. 

I expected Discover card ( card used ) to stand up for me as XXXX would and has done several times. 

After months of back and forth, Discover refuses to refund my money. That is a lot of money for my wife and I ... all we have is social security We're out XXXX. Don't have product or money. I've done everything I can think of other than this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, XXXX, & Experian to this date XXXX-17 they have not provided me with the original signed documents that I have  requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

She called my phone and said she was with a law firm and had information to provide me. She then asked for my address and I provided it to her, she then said that there was another address on file. If I wanted the information I would need to provide my older address to retrieve it. Once I told her that I didnt remember it, she hung up. When I called back I was given their website, https : //www.lgbs-ert.com/ and was told it was a collection agency by the automated system. When a representative got on the phone I asked why I was being contacted since their website says that they work for the XXXX city tolls, but when I gave them my license plate, they said there was no collection for that plate. I then told her that they contacted me. After she, the same person that called me, looked it up by my number, she told me she wouldnt tell me why I was being contacted since the address I proved was wrong. She also said that they may have the wrong person then hung up on me. The phone number she used is XXXX ( XXXX ) XXXX.
Product: Money transfer, virtual currency, or money service

Over the course of last year XXXX XXXX has taken over {$8000.00} of my money into a rainy day fund. However I have not ever been able to take the money out of their account and transfer the fund back to my bank account. I closed my account last XXXX and since then I have not been able to access my online account or get anyone to respond to me via email or their live chat feature. They are holding over {$7000.00} of my money XXXX and multiple attempts to reach their customer service have been met with silence. It has been months since they took out and kept my money and I am in desperate need of the funds
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we sent an ACH fi le through our bank XXXX XXXX XXXXXXXX XXXX to another company bank and were given bank information to a bank account held at Bank of America. Our bank sent the ACH and XXXX received an email alert that the account was fraudulent the VP at XXXX XXXXXXXX XXXX XXXX XXXX Consumer Complaint Confirmation | Federal Reserve Consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX made several channels to stop payment, ACH reversal, and processing another debiting the Bank of America 's fraudulent account and found the funds were not available. We contacted BofA 's Regulatory Complaints & Resolution Specialist and were told we would get the full amount of {$130000.00} in our account due to the negligence Bank of America had with the fraudulent account that was opened with their bank. In XXXX we received a partial payment of {$20000.00} and have since sent multiple emails & phone calls leaving voicemails to XXXX XXXX at XXXX asking when the {$110000.00} left would be deposited.
Product: Credit reporting or other personal consumer reports

This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on XXXX and also XXXX. It's reporting ( XX/XX/XXXX ) on Equifax. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. XXXX, Equifax and XXXX has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have fraudulent inquiries on my credit report from the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Product: Credit card

CAPITAL ONE NEVER ISSUED CREDIT FROM HOTEL TO ACCOUNT. 
IN WHICH THEY RECEIVED THE CREDIT ON XXXX PER AGENT TAKE 5 TO 10 DAY POST TO ACCOUNT NO CREDIT BUT CHARGED REMAIN OR EFFECT THE BALANCE. WHICH NEW STATEMENT XXXX BALANCE REMAIN THE SAME ON CREDIT SHOWN IS RENTAL CAR CREDIT.

.MY XXXX.PAYMENTS MADE WAS OVER {$2900.00} CREDIT NOT APPLIED. AND {$1900.00} CREDIT NOT APPLIED. SHOW {$2900.00} ON STATEMENT BUT NOT " TAKEN OUT OF END OF MONTH TOTAL. I AM XXXX. TOTAL ONLY SHOW WHAT IS CHARGED FOR THAT MONTH .NOT SHOWING THE CHARGED {$1900.00} FROM XXXX XXXX ANYMORE ON STATEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get rid of fraudulent accounts since XX/XX/2020 Equifax and XXXX  seem to not be able to report accurate information XXXX XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) Equifax XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX NEW AMERICAN FUNDING XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX
Product: Mortgage

Lender Nations Reliable Lending aka XXXX NMLS ID # XXXX located at XXXX XXXX, Texas XXXX originated a conventional 10 year fixed cash-out refi for my home. NRL provided a truth in lending ( TILA ) closing disclosure that outlined the terms of the loan including no-prepayment penalty and no balloon payment. Due to NRL 's miscalculation of P & I payments as evidenced by the Amortization Schedule a balloon payment results in the final balloon payment of over XXXX payment which exceeds the error tolerance of {$100.00} or .5 % of loan face value. It is highly likely that this error is systemic and has impacted a significant number of loans originated during the same time frame and/or prior. The harm that has resulted are as follows : 1 ) Loss of time having to recollect documentation to re-close the note. 
2 ) The potential loss of opportunity to capitalize on prevailing market rate at close 3 % with points. Currently approx. 3.75 % 3 ) Expenditures associated with having to consult both legal and accounting professionals regarding recourse and financial documents for new underwriting requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion 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 information 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 delete immediately : 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

A payment that was supposed to be for the minimum amount was processed for the full amount of my credit card balance, which put my checking account into a negative balance causing me to incur several negative balances. After speaking to several reps and supervisors about the refund I still haven't received the refund but the balance has been put back on my credit card. I have no idea when they will refund me. And the last supervisor I spoke to hung up on me and said I can split hairs anyway I want but a check will be mailed to me he also said I made a payment and didn't even have the money in my checking account to afford the payment which I mentioned was why that payment was never meant to be made in full. He also said he could see from the computer system that I made an online payment ... .that 's incorrect I ONLY make telephone payments.
Product: Debt collection

Getting a call from Florida from an attorney called Hunter Warfield about debt collection, number is XXXX, calls often I OWE NO DEBT
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three Late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, XX/XX/year>. I'm now requesting you investigate this account and delete this account from my credit report.
Product: Mortgage

XXXX is showing over 120 days delinquent on a Mortgage that was included in a Bankruptcy that was discharged XX/XX/XXXX. The loan was sold to Ocwen Loan Servicing in XX/XX/XXXX a year after is was included in the Bankruptcy which is now reporting me delinquent on a loan that was discharged in the Bankruptcy. Litton is no longer in service so there is no way to get them to respond to my complaint. At least XXXX Complaints have been filed with both XXXX and XXXX regarding XXXX loan companies and have still not gotten the issue resolved. We are currently trying to buy a house and can not proceed until these issues are resolved. The property address in question is XXXX XXXX XXXX, XXXX, MD XXXX.