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

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX Consumer Department. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXXXXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand.

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXXXXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. 
All XXXX XXXXXXXX accounts are to be removed from my credit report Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, Equifax Mortgage Service XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 has violated my rights.

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
Product: Student loan

I am filing this complaint regarding the handling of my student loan records by Nelnet following the transfer of my loans from XXXX during the pandemic. Over the years, my loans have been serviced by multiple entities, including XXXX XXXX, XXXX, and Nelnet, and I believe that somewhere along the way, my information has been mismanaged. This has resulted in incomplete and inaccurate records that impact my ability to verify my loan history and payments. I am including supporting files to provide evidence for the statements made in this complaint. 

XXXX. Failure to Provide Complete Loan History After my loans were transferred to Nelnet, I reached out multiple times by phone to request my complete loan history to ensure that all records were transferred accurately. Despite repeated assurances that the information would be emailed to me, I never received it. 
I escalated the matter to the XXXX XXXX XXXX site, filing XXXX XXXX # XXXX in XX/XX/XXXX. This was due to discrepancies between the loan information displayed on the Nelnet site and the Federal Student Loan site. Attempts to call Nelnet were often unsuccessful, with wait times of XXXX minutes and frequent disconnections. 
XXXX. Inaccurate and Incomplete Information Provided Nelnets responses to my feedback cases have been incomplete : In XX/XX/XXXX, I filed Feedback Case # XXXX, again requesting a complete history of my loans. The information provided by Nelnet was still incomplete and included inaccuracies, such as a XXXX Promissory Note with an address I had not lived at since XXXX. While my mothers address from XXXX was listed correctly, this error highlights inaccuracies in their records. 
XXXX. Missing Data in Payment History The Federal Student Aid site now displays payment counts ; however, significant gaps exist in the details section for my payment history, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Mismanagement Across Multiple Servicers My loans have been serviced by multiple entities over the years, including XXXX XXXX, XXXX, and Nelnet. Somewhere in this process, my loan information has been mismanaged, resulting in discrepancies and gaps in my records. 
XXXX XXXXXXXX XXXX XXXX and federal regulations require loan servicers to maintain accurate records and ensure the proper transfer of information when loans are transferred between servicers. This duty has clearly not been fulfilled, as evidenced by the gaps and inaccuracies in my records. 
Specifically, 34 CFR 682.208 ( b ) and related regulations outline the responsibilities of loan servicers, including accurate record-keeping, prompt communication with borrowers, and ensuring seamless transitions during loan transfers. Nelnet, as the current servicer, has failed to meet these obligations. 
Supporting Files I am including documents that provide evidence of the issues described above, including correspondence with Nelnet and the Federal Student Aid site, feedback case details, and discrepancies in loan records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Product: Vehicle loan or lease

Lexus Financial Services did not provide me with a Bill of Sale at the time they processed full payment for my end-of-lease buyout. They also did not collect state sales tax on the transaction and advised me that it could be paid at the time of registration. The Connecticut DMV refused to register my car without a bill of sale AND does not accept sales tax payment from individuals at the time of registration, as Lexus advised they did.

Without the ability to pay the sales tax directly, and with Lexus refusing to accept a sales tax payment from me, I am unable to register my vehicle. Lexus is uncooperative, unapologetic, and unresponsive.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple credit disputes to XXXX XXXX, Equifax, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}
Product: Debt collection

The National Credit System and XXXX XXXX XXXX filed a collection account on my credit profile about a debt that does not belong to me. I am currently under a lease contract in NJ and the companies failed to follow my identify fraud alert on my credit file to contact me at my number before moving forward with any credit application. Phone number and bank account used does not belong to me and this company is preventing me from seeking credit and falsely claiming that this file belongs to me NATIONAL CREDIT SYSTEM XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$350.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$350.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices which violated the consumer financial protection act ( capacity ) specified cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization and I noticed that these unauthorized inquiries had been made : XXXX XXXX : XX/XX/XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XXXX XXXX, XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XX/XX/XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. XXXX : XXXX XXXX, XXXX, this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Consumer Loan

I opened a PayPal credit account last year because I need money quickly and this was the only account that I was able to open at the time. I recently have not able to make my minimum and tried to make an arrangement or close my account or have it sent to collections to protect myself from getting too far in debt, I currently owe XXXX I would rather that go into collection Then be in debt for XXXX dollars and there customer service representative basically told me that they will continue to charge late fees and interest until they see fit to send me to collections. This is taking advantage of me and putting much farther in debt than is necessary and damming my credit much more than necessary and there is no way for me to close the account. The customer service representative from their debt department told me that there was nothing they could do on their end and no alternative options. I 'm at my end with this I have never had this problem from any of my other creditors and I do n't know what to do.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Student loan

Well my student loan was being managed by Navient. I see that another law suit went into play by your company ... .Navient seems to being sued by everyone..huh? Yet my Federal Tax refund went to the US Dept. of Education ... the entire amount. I did not even know of owing anyone due to both of my XXXX needing  XXXX and this has been a " long drawn out process '' thru XXXX ... my XXXX XXXX is finally done in the middle of winter and I stayed deathly sick afterwards so I called and told them my XXXX XXXX   would not be done til summer. I'm not going thru that again. Now I owed them money too. I am responsible for an adult child with XXXX XXXX XXXX after raising a child with XXXX XXXX ... are you seeing the big picture here ... not an easy life so to speak. I thought Navient had gotten me thru a Loan forgiveness but I guess not due to the USDE taking all of my little {$2700.00} on federal tax refund. I depend on that money to do things that I can not afford to do off my little {$31000.00} a year which is not much after taxes in this economy now a days ... you can not even find a rental prop no matter what it is below {$600.00} and don't get me started on cost of living for everything else it takes to live in this crapped up world that in my opinion " the rich get richer and the poor get poorer '' ... .and while the Government turns a blind eye to I don't know how many millions that the banks got our country into back in XX/XX/XXXX ... .my XXXX little student loan which I thought was taken care of thru forgiveness ... oh yeah the government needs that ... In closing the USDE sent me some automated email with this case number attached to it XXXX ..my name XXXX XXXX. saying they would contact me within 15 days as of XX/XX/XXXX. No other contact has been made to me ... .so I guess in closing no only will I not get any of this years tax refund back ... .they are planning on doing the exact same thing coming up this years returns ... and I guess XXXX me out of money that I depend on as a single mom to take care of things I can't afford because it takes my entire pay just to live in this economy ... and I don't take vacations or go out to eat or those leisure things other people enjoys ... .I just try to live basically and make sure my child with a XXXX XXXX is okay. So if anyone and I mean anyone can take this seriously and help me out with this ... .I would greatly appreciate it. But, I've never been dealt a descent hand in life and I'm sorry to say due to that ... .I do not get my hopes up about things ... I guess I've grown complacent to expecting the worse and that's usually what happens ... so thank you from the bottom of my heart sincerely .... if you can do something about this in advance.
Product: Debt or credit management

I sent American Credit Repair a written request for proof of their surety bond and registration certificate from the California Department of Justice. I sent my written request via e-mail, however, the company willfully and deliberately ignored my request. I have the e-mail chain as proof and the e-mail was successfully delivered and sent to their correct e-mail address. XXXX XXXX responded through a previous CFPB complaint admitting they were in receipt of my e-mail complaints to their corporate e-mail address. It is against state law to conduct a credit repair company without : 1 ) a {$100000.00} surety bond filed with the California Secretary of State and ; 2 ) apply for and receive a registration from the CA DOJ. Violation of each is a misdemeanor. Moreover, American Credit Repair indicates in their contract that theyre a registered non-profit 501 ( c ), however, there is no record of not for profit status with the IRS XXXX This is also against federal and state laws. Additionally, on XX/XX/XXXX, there were 11 illegally posted credit repair advertising signs posted on government property without a permit. This is a misdemeanor in California. American Credit Repair is also illegally affixing their advertising signs on telephone poles. We have photographs as evidence and percipient witnesses that signed under penalty of perjury that these illegally posted signs are new and recent. In XXXX and XXXX, we filed complaints against American Credit Repair for the same reasons on innumerable occasions. The owner XXXX XXXX, is knowingly and willfully, systematically violating federal and state consumer laws. I also called the company and asked they cease and desist their illegal adverting, however, employees XXXX and XXXX disconnected the call attempting to escape accountability. Disconnecting a phone call on a member of the public is poor customer service. It was egregious.
Product: Checking or savings account

I have had a longstanding consumer relationship with Citibank, spanning over 30 years, which has unfortunately taken a distressing turn due to an internal error within the bank. 

I initiated a request to close a Certificate of Deposit ( CD ) account that had been established by my late mother. Importantly, this CD account was separate from my personal checking and savings accounts. However, due to a serious oversight on Citibank 's part, my personal checking and savings accounts were mistakenly closed instead of the intended CD account. 

Upon discovering the erroneous closure of their accounts, I promptly contacted Citibank 's customer service, only to be told that the closure had been executed at my own request. Frustrated and confused by this response, I took my concerns to a Citibank branch in XXXX, XXXX as directed by Citibanks customer service department. The branch confirmed that this was, in fact, an internal error and not initiated by me. They assured me that checks to reimburse for the affected accounts would be issued within 7 to 10 days. 

However, the promised timeframe has extended to a month, and when I finally received a check from Citibank, it was incorrectly made out to another individual. To resolve this issue, I worked with branch personnel to initiate a stop-check request for the incorrect checks. I was informed that new checks would be reissued which I have yet to receive. 

Furthermore, Citibank conveyed that they were unable to reinstate my accounts due to the internal error, leaving me in a precarious financial situation. The delay in resolving this matter has had severe repercussions, including late payments and penalties on other accounts connected to these funds. 

My long-standing and previously positive relationship with Citibank has been marred by an internal error that resulted in the incorrect closure of my personal checking and savings accounts. The subsequent attempts to rectify the situation have been met with delays, misaddressed checks, and a lack of clarity on the part of Citibank 's customer service. This has had significant financial consequences for me, and I am urgently seeking a resolution to expedite the disbursement of my funds.
Product: Debt collection

Office Name DRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account ( 1 ) # XXXX High Balance {$1200.00} Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Account ( 2 ) # XXXX Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX I Called to this Office they don't have any information about account and told me is since XXXX and never do action about that. 
this account appears double DRS told me is a copy was a mistake Its clear they are braking my Rights and use their tools to damage my personal information they use this attack against XXXX american people Because they use the law and leagl tricks to pressure and win money or stolen money from our community XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Product: Debt collection

I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today!
Product: Credit reporting or other personal consumer reports

Lexis Nexis is aware there is a security Freeze and fraud warning. It has been in place on theirs since 2020. They released information and it is very incorrect as well but it was not authorized and I was not notified.
Product: Credit reporting

Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit counseling company is called Consumer Shield of XXXX Florida XXXX. I signed a contract with them XX/XX/XXXX through a company called XXXX XXXX XXXX. But their so call lawyers, that's what I was told will not respond to me, anyway XXXX XXXX left the company shortly after he talked me into adding {$3000.00} to my already existing account of {$9000.00} and this money was to go in an escrow account until they got paid then they would take care of my creditors of which I have several, they only communicated with one that I know of and that was XXXX. I got a summons from one of my creditors and consumer shield sent a letter deputing the charges, but a date was set for XX/XX/XXXX anyway and I had to face the creditor without any representation .I called over 45 times from the date i got the letter until I went to court.I pleaded for any kind of help I could get but got no response I also sent numerous emails asking for advice but again I got no response.They finely answered the phone XX/XX/XXXX and I asked to speak to one of the lawyers, I was given the run around and was told someone would reach out to me well this is XX/XX/XXXX XXXX and I have yet to here from them they are nothing but scammers and I wish I could get my money back because they have not done what they said they would do, I had to file Bankruptcy for fear of loosing my house. I thought they were an honest company because they were so nice.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XX/XX/year> I Disputed three times and i have called them they told me i would have to speak to the credit bureau to get this off my credit. The amount of {$9500.00}. They do not have the credit address or information on file to verify me as well.