23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from NEW YORK STATE HIGHER EDUCATION SERVICES CORP. I had previously disputed this account. I have never done business with. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that NEW YORK STATE HIGHER EDUCATION SERVICES CORP # 3101 Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NEW YORK STATE HIGHER EDUCATION SERVICES CORP. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to zero for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to zero balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX XXXX 2. XXXX, 3. XXXX 4. XXXXXXXX, and 5. Lexus Nexus. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate.

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information.

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of Debt ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand.

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights.

I look forward to receiving your response at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 XXXX student loans on my credit report. All 3 credit XXXX, Equifax Ive since then been calling and get no help. As to why was my student loans reported to my credit
Product: Credit reporting or other personal consumer reports

I have reviewed and requested investigations and removals of items from my credit report that have been ignored or " updated '' with no changes. I have received letters from Experian saying they will not investigate my disputes because they do not believe I sent the letters. I have signed, each letter I have sent I have included in detail what is wrong and what needs removed. I have included my Photo ID and Proof of Address in each dispute I have mailed via certified mail. I have the same response every time I believe Experian is not doing any investigation at all and they are sending out generic automated response letters so that do not have to look into my disputes. My rights have been violated several times under several FCRA guidelines and The delinquent payments shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX, 2023. To remove personal information I don't want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights, Also 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. 
XXXX XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXXXXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX CARD XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX CARD XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX - TOTAL VISA XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX - TOTAL VISA XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, 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 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: Vehicle loan or lease

I have had my car loan done XXXX of 2017. XXXX and XXXX I was reported 30 to 60 days late for a returned payment that I was unaware of from my bank Sandtander the loan company that financed my car didnt once inform me until I called in about a warranty question right now I am on time I already have a 23 percent but they wont remove the late payment
Product: Credit reporting or other personal consumer reports

Well originally I sent correspondence to XXXX after the debt validation process done on my alleged account at XXXX XXXX XXXX XXXX. They were not able to validate any debt or state their claim of Interest. Therefore I took the whole package and sent it to XXXX to show that the account at XXXX  XXXX XXXX XXXX should not be reported on anymore because it was not a valid debt. After this they did not do a proper investigation nor did they give me the details and it came back verified. Then again I disputed that account as well as an XXXX XXXX XXXX account as well that was not valid on my Consumer Report nor did I give either of these companies permission to report my information nor did I give XXXX XXXX or permission to report my private information. After I disputed this online through the means that they provide on their website once again it came back verified with no details of the investigation nor a proper investigation done. I made it clear that they did not have the authority to report this information because I did not give it. I also told them to remove any names that were not mine or any addresses that was not my current one. On XX/XX/XXXX they responded by saying everything was verified and they did not remove the names that were not associated with me nor did they remove the addresses. I found that they violated XXXX USC XXXX section 2 because they were reporting the exact thing that was supposed to be excluded from My Consumer Report which contained information solely as to the transactions or experiences between the consumer me and the person making the report. I also found that they were in violation of section 2 ( e ) when they do not do a proper investigation by the means explicitly and clearly explained in the Fair Credit Reporting Act. I also found that they were in violation of section 2 ( i ) by furnishing improper and invalid information as to corrupt my identity and reputation. They were also in violation of section k ( 1 ) and ( 2 ) ( i ) for reporting false and misleading information that affected my ability to get a loan because of a stain on my creditworthiness. During this time I attempted to get a loan for a new truck as well and I was denied based upon the false and misleading information they were reporting in My Consumer Report that was not valid.
Product: Debt collection

XXXX ( name of company ) called with a partial robo, partial human call. Name and case number were robo. " Serious matter with you personal information ''. Need statement from me or my attorney. Number to call is XXXX. Or hit XXXX for a rep. I have had numerous similar calls. All the same type of XXXX. They go for a couple of weeks, then stop for months at a time. I know this is a scam. Alleged company is based out of California. Call at all hours. Getting really old. Thought this was done. First call in almost XXXX months.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Whats good. 
Im hittin you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX No live calls no voicemails and dont send no mail through USPS XXXX XXXX or any couriers either Thats just inconvenient Thanks for understanding
Product: Student loan

On XX/XX/XXXX, I made my monthly student loan payment to MOHELA in the amount of {$390.00}. At that time, I did not know there was a federal court injunction regarding the SAVE plan and that payments were to cease until the court made a decision. That injunction happened before I made the payment. I called MOHELA on XX/XX/XXXX to request a refund and was told this is a valid request and it'll take 90 business days to process. On XX/XX/XXXX, we reached 90 business days, and I still did not have my payment refunded to my checking account. I've tried calling MOHELA 7 times since then. I was finally able to speak with a person on XX/XX/XXXX to have this issue escalated by an advanced representative. I was told that she entered the escalation request and it would take 10 business days to receive my refund to my checking account. As of XX/XX/XXXX, 10 business days later, I still do not have my refund. My refund needs to be processed to my checking account immediately. I have no intentions of making another payment until this situation is rectified. I am reaching out to studentaid.gov, www.ed.gov, XXXX, and the FTC today to file additional complaints.
Product: Mortgage

I sent the following letter  to Freedom Mortgage Corporation  on  XXXX .  XXXX ,   XXXX , bu t to date there has been no response at all fr om Freedom Mortgage Corp. : " This is a request for information, for review, and for an explanation regarding my Freedom Mortgage ( FM ) account. In particular, I would like an explanation as to why twelve ( 12 ) mortgage payments were marked N or U for unapplied funds,   occurred between  XXXX  and  XXXX , and  XXXX  through  XXXX . During these periods, I was enrolled in FM s Bi-Weekly Automatic Draft,  and paid an additional {$300.00} a month towards principal in order to curtail  my 30-year fixe d rate mortgage. In order to be on the Bi-week ly Automatic Draft, I  had to pay one full month ahead to FM.     The main purpose of signing up for th e Bi-Weekly Automatic Draft is  to curtail my mortgage by having the mortgage paid every 14 days, thereby paying the principal down quicker. However, it appears that FM did not apply the funds when it drew from my bank account on a bi-weekly basis. Instead, it held on to the funds for 14 days and did not apply same to reducing my mortgage. Therefore, by utilizing such method, FM purposefully withheld funds paid to it for its own financial benefit at the expense of a borrower like me.     I await a prompt written response from FM, within 20 days from the date of this lette r ( n o later than  XXXX  ) to address my concerns as stated in this letter.  You may reach me by email or US Mail .   Sincerely, ''
Product: Credit card or prepaid card

I was charged for 2 items that were cancelled in store when I went to pick-up the items because the items arrived broken. My online account at Target shows the store pick-up was cancelled but the card was still charged. I have been trying to resolve with Target for a few months but they have not issued a credit yet.

( 2 ) Transactions are dated XX/XX/XXXX for {$120.00} each. 

Email below from target dated XX/XX/XXXX ... 

Hello XXXX, Im contacting you today regarding your refund request from order XXXX. 

Due to a rare technical issue, were unable to process the refund systematically, so I've requested a refund of {$240.00} on XX/XX/XXXX to your Target RedCard. You'll receive additional communication when it's completed. I do apologize for the confusion and the delay. 

Keep in mind that, since the refund is being issued outside the system, it will not reflect in your Target.com account order history. 

If you have any questions or concerns, please call us at XXXX and reference case XXXX. We'll be happy to help. 

Thank you for your patience and have a great day! 

Sincerely, XXXX Target.com Tax Team www.target.com Email dated XX/XX/XXXX ... 
Thanks for reaching out to us about your recent Target.com order XXXX. I had a look, and I would like to apologize for the issues you've had with this order and for the confusion around your refund. 

After further research???, I've confirmed a refund of {$240.00} was successfully credited back to your RedCcard ending in XXXX on XX/XX/XXXX. You can verify your refund with your XXXX bank statement from XXXX or talk directly to RedCard Guest Services at XXXX. 

I know that you expect a great experience every time you order from us so, to invite you back for the experience you deserve, Im sending you a {$25.00} Target eGiftCard. You'll be receiving it to your email within 4 to 24 hours. 

I hope this helps clear things up. 

Thanks for being such a great Target guest and we hope to see you soon! 


Sincerely, XXXX Target.com Order Research www.target.com Email dated XX/XX/XXXX ... 
Hi XXXX, It has already been investigated and determined that Target owes me the refund for the {$240.00}. I have the email communication to prove that the refund is due. I was simply inquiring on how long the refund would take as I have not heard from anyone since XX/XX/XXXX. 

The refund you are referencing on XX/XX/XXXX was for a purchase made on XX/XX/XXXX. You see these particular tables were purchased 3 times in the hopes of receiving them undamaged. The second time I purchased them, they were once again broken and I canceled the order in the store as it shows on my online account. However, the store still charged me that day ( XX/XX/XXXX ). The is the refund I need. 

Who do I need to speak to for processing the refund? I would also be open to a gift card in the amount of {$240.00} to get this settled. 

Thanks, XXXX XXXX
Product: Debt collection

I do not owe any money. I have been receiving calls from Phoenix Financial Services. I constantly tell them to send me in writing anything regarding this debt. They do not send any written documents but continue to call me, from numerous different numbers, at all times of day.