23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested debt validation XX/XX/ for this account : Account Number : XXXXfrom the the XXXX/Dept of Education and never received validation. It was deleted from all other consumer reporting agencies and Transunion deleted all other accounts associated with this debt except this one. Transunion is violating my consumer rights as they were already informed of the inaccurate information XX/XX/. This violates my 15 USC 1681s-2 ( b ) right as this defiles me as a consumer. I am wanting this account deleted immediately.
Product: Credit card or prepaid card

Good day I made a purchase for several item which was never received when the company ( macy ) state that they ship my item in XXXX of 2021 the item was never delivered I called the company and they only replace the earrings but tge necklist was never replaced I keep calling macy resolve the problem and the send me an email in XXXX saying that they are on able to resolve my issue and I have to pay for the backlist I call again in XXXX XXXX and a new dispute was open and as of now they can not resolve the issue but they can report none payment to the credit department which is affecting my credit score and they are charging interested rate every month to the item total I pay the interest rate up to XXXX of last year then I just call and close my account last year because I got frustrated and Im getting XXXX  because I dont know how to resolve this
Product: Credit card or prepaid card

My Unemployment benefits are going to a Way2Go Card. They do advertise that i will be able to transfer my funds from their card to my personal bank card for a fee of {$1.00}. i did it once and now they did remove this option without any notice. 
I tried to contact them multiple times. NOTHING. I did use all phone numbers that they did provide to contact. left multiple voice messages and NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was in deferment due to COVID 19 payment assistance however they were still reporting my account as late to the credit bureaus. 

Submitted a dispute with WF however this was not corrected.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 50.

have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Nelnet Inc is the servicer of my federally owned student loan, which was transferred from Great Lakes in early XXXX XXXX XXXX XXXXXXXX I submitted Form 1099 C to the IRS, and it was accepted on XXXX XXXX XXXXXXXX  Subsequently, I received a 1099 C copy B for Debtor from Nelnet, confirming the Cancelation of Debt as approved by the IRS stating the following ; You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more Despite this confirmation, my account has not been discharged even after two months.

I sent a certified letter to the Claims/ Discharged Department along with proof of the Copy B I received. The letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted their customer service representatives multiple times, engaging with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They came to the conclusion that Nelnet never sent me the 1099 C- Copy B form, because they couldn't find them on their records evenmore that the letter was fraudulent, however I have proof of the IRS acceptance, and proof of the form sent directly to my mailing address from Nelnet XXXX Since the company lacks visibility to see all the proof at hand. I request a deep investigation and that Nelnet credits my account promptly as required by LAW I am aware of Nelnets obligations as a servicer, as outlined in the SEC filings, particularly their XXXX Form dated XX/XX/XXXX, and their Trust agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX trustee dated XX/XX/XXXX, it is their fiduciary duty to oversee the resolution of this debt. 
As a Certificate holder in the securitization of the student loans, I am deeply disturbed by Nelnet refusal to discharge my account, I demand an immediate and thorough resolution to this matter. Failure to address this issue promptly will leave me no choice but to file the form 211 Treasury and forms to audit my account and escalate this matter to the FTC without further delay.
Product: Debt collection

I contact XXXX XXXX  on or around XX/XX/2018 to get a copy of the promissory note for this loan.It has been over 30 days and the debt collector has not provided proof of the loan as required by the Fair Credit Reporting Act.
Product: Student loan

Both my XXXX portal shows a {$7.00} balance, and my loan servicer ( MOHELA ) portals shows negative balances, but I keep getting emails about missed payments. There's no payment to make, and I guess MOHELA owes me money somehow? 

I tried to submit a support request from MOHELA, but it just redirected to XXXX 's support system. I submitted a request on the studentaid.gov website, but it looks like there's no way to directly contact MOHELA. 

I did miss some payments because I closed the associated bank account and couldn't get into the MOHELA portal no matter what I tried or how many times I called. There was no reason I couldn't make those payments, it just took literally weeks to be able to log into my account and fix the payment details. This also led to several overdraft transactions, because my bank reopened the account for some reason.
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 {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}.

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 XXXX  XXXX, 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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. CITICARDS CBNA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Product: Credit card or prepaid card

I received a new credit card in XXXX. I never activated the new card. This was a replacement card because I lost my original card. 

In XXXX, I started getting charges on the new card that was never activated. I never authorized these charges nor do I know what they are for. I spoke with XXXX on XX/XX/XXXX. She confirmed that these charges never occurred on my original card. But XXXX as account updater and was able to put these charges through on a card that isnt even active!! She did nothing to open up an investigation to see where these charges came from. She did nothing to help with the dispute. I did not authorize these charges and she was nit concerned about that. I had to cancel my Fifth Third account. I believe I have been a great customer if not an exceptional customer for many years with Fifth Third, but again this did not matter.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included a screenshot inside this complaint on the dates of ( XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ), and ( XX/XX/XXXX for XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. 3 Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unatherized charge to my account on XX/XX/19. I filed a dispute and the transaction in question was unatherized and covered by seller protection so the dispute was won in my faver the case was closed and a refund was soposed to be given under seller protection coverage I won the despute and I want my money
Product: Credit reporting or other personal consumer reports

My personal and financial information was disclosed and mismanaged without my authorization resulting in a breach of my privacy and a violation of my rights under FERPA. The loans in question, reported by Department of Education serviced by XXXX, have been compromised due to a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). 
This breach allowed my personal and financial information to be compromised by The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who has had unauthorized access to my private information, this includes the unauthorized sharing and handling of sensitive personal data tied to my student loan records, which has directly impacted the accuracy and legitimacy of these loans. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

According to FERPA, I have the right to privacy and control over the disclosure of my educational records and associated financial information. The unauthorized exposure and mishandling of my data constitute a serious violation of federal law. As a result of this breach, I am requesting the following actions : Immediate removal of the affected student loans from my credit report due to the unauthorized disclosure and privacy violation. 
Cancellation and discharge of the compromised loans due to the unlawful breach of my personal information and FERPA protections. 
Correction of all related inaccuracies in my credit report to reflect the removal of these compromised loans.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt  unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Product: Debt collection

RECEIVABLE SOLUTIONS did not have my consent to communicate with me prior to this alleged debt. I do not know who RECEIVABLE SOLUTIONS are nor do I wish to pay any alleged debt. This isn't even my debt. RECEIVABLE SOLUTIONS obtain my private information and created an account in their records. That is a violation. Stating a consumer owe any alleged debts is also a violation. What RECEIVABLE SOLUTIONS are doing is false and misleading as well as unfair practices. I am attaching a cease and desist letter as well as an invoice. Pay the attached invoice to compensate me for every violation pursuant to 15 USC 1692k civil liability.
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORTS AND DISCOVERED FRADULENT ACCONTS
Product: Debt collection

HI NATIONAL CREDIT SYSTEMS ; XXXX XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting

I contacted Innovis Consumer Assistance on XXXX/XXXX/15 at XXXX/XXXX, PA XXXX Calling the XXXX number above. The automated system does not allow you any way whatsoever to verify if they have your correct address, since they ask only for ZIP CODE & front numeric part of address. Their XXXX number provided an unintelligible confirmation number, and you are not allowed to verify the correctness of the address they have on file, nor can you speak with a human at all, meaning my " free '' credit report will go wherever to whomever BECAUSE they have XXXX QUALITY ASSURANCE MEASURES in place. Innovis should be barred from doing business UNTIL they can assure the privacy of personal information!!!
Product: Vehicle loan or lease

To whom it may concern, The IRS approved the 1099A for car loan on XX/XX/2023. Mailed on XX/XX/2023. Requested a copy of the Copy B For Cancellation of Debt via Certified mail XX/XX/2023. 
My account has not been updated to XXXX Balance as of today XX/XX/2023.
Product: Debt collection

IQ Data Inc, a company I have never heard of or have done business with is harassing me. They continue to call me on phone numbers after I ask them to stop contacting me. mentioning my name, and saying they know where I live and I have a 'debt ' to pay. I feel intimated and in fear for my safety due to the spam calls and the fact that this company has my name and address. I already reported them to the XXXX  and I Will contact the Attorney general and the police if I continue to get calls from them again. This company has violated the fair use credit act and has continued to harass me, I may potentially sue the company in court for these violations. Tell them to leave me alone, I am in fear for my safety and privacy.
Product: Credit reporting or other personal consumer reports

This account opened on the following date. XXXX this is inaccurate payment history reporting I should have active payment XXXX to XXXX This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX failed to investigate this account properly. After I repeatedly asked this account to be updated. There neglect once again violated my consumers rights. I am demanding a deletion of the following account Account name : XXXX XXXX XXXX