23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. 
A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. 
I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). 
I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX 
I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. 
Sincerely, XXXX XXXX.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/XXXX. The finance company was Ally Financial account #. This was for a XXXX XXXX XXXX XXXX vin #. My payments were made in a timely fashion and on time. In XX/XX/XXXX, I even made a separate additional payment for {$120.00}. At that time, I was just wanting to get ahead. Later in the month, my wife and I came to the realization that the intended purpose we purchased the truck for was just not in the cards for us. So, on XX/XX/XXXX we decided to trade it in at a dealership. The dealership agreed to the payoff amount quoted to them by Ally Financial when they called to obtain the 10 day payoff. We finished the deal, and drove away with a different vehicle from that dealership. I assumed that all was good and taken care of. Then, to my surprise, I was alerted by XXXX XXXX that there was a change to my credit report due to a derogatory remark. I immediately checked to see what was going on. I then seen that Ally marked me late on my credit report for the month of XX/XX/XXXX. I contacted the dealership and they said that payment was overnighted on XX/XX/XXXX. They gave me paperwork showing that the check they sent to Ally Financial cleared their accounts on Wednesday, XX/XX/XXXX. The due date for this loan was on Friday, XX/XX/XXXX ( 3 days business days later, the check was cleared from the dealerships bank ). I called Ally and ask them why they marked me late. They said that upon receiving payoff, the payment has to go through several departments for titling to be issued. I said, well then, the late was on their end with the paper shuffle issue, not that it was n't paid in time. The representative told me that yes, it could take up to 14 days to process payoff. 
Now that the vehicle is paid in full, they refuse to remove the late mark on my credit file. I do n't feel that this is fair or just. I 've done everything I was supposed to do on my end. They received payoff in a timely fashion but do to their processing procedures, it was n't credited to my account until after the due date. I would appreciate this being looked into further and for this negative remark to be removed from my credit report. Can you please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these addresses are incorrect. I need them removed off my credit report. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance in investigating this matter to ensure my rights are upheld.
Product: Mortgage

Loan Depot has used an excessive amount of time to refund the escrow. Originally they said 20 business days now we they are saying a month to 45 days. This is our money they are holding interest free and without penalty. If we did this they would be charging us penalties plus interest. I fail to see how this can be acceptable under the law.
Product: Checking or savings account

I have received an email from Bank of America, XXXX. I am unsure if it is legitimate or not, but the email says that I have opened a new checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on XXXX/XXXX/XXXX via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.
Product: Credit reporting or other personal consumer reports

Im deeply troubled by the unauthorized inquiries that appeared on my credit report this morning, and Im unsure why theyre there. When I checked my credit report as usual, I was shocked to find discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Im asking that the documents Ive provided be thoroughly reviewed so that I can be assured this wont happen again.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and removal of inaccurate and outdated information on my credit file, which is causing financial harm and does not reflect my current creditworthiness. Specifically : Addresses : I request that all addresses except XXXX XXXX XXXX, XXXX XXXX, IL, be removed. This is my only valid address, and the others are outdated or incorrect. 

Collection Accounts : XXXX XXXX XXXX : I am disputing the collection account with XXXX XXXX XXXX for {$21000.00}. This account is not mine, and I request this collection account be deleted immediately. 
The Bureaus : I am disputing the collection account with The Bureaus for {$320.00}. This account is inaccurate and should be removed from my credit report. 
XXXX XXXX Account : The XXXX XXXX account is inaccurate and should be removed from my report. The balance of {$1500.00} does not belong to me, and I request this collection account be deleted immediately. 

XXXX XXXX Auto Payments : The XXXX XXXX XXXX account inaccurately reports late payments. I have made all payments on time, and the account should reflect a perfect payment history. I request the removal of any reported late payments. 

Closed Accounts : All closed accounts should be removed from my credit report, as they no longer reflect my current financial standing and are unnecessarily impacting my credit file. 

Bankruptcy : The bankruptcy reported on my XXXX file is inaccurate and should be deleted entirely, as it does not apply to me. 

I am a victim of the XXXX data breach, which compromised my personal information and has likely contributed to these inaccuracies. I request the CFPBs assistance to ensure these corrections are made promptly and in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

I was contacted by a XXXX XXXX to invest in XXXX trading. Between XXXX and XXXX of XXXX I invested {$160000.00} of my XXXX funds through Coinbase and XXXX into XXXX  trading. I earned a total of {$340000.00} as of XX/XX/2023. On the next day I was unable to access my account as the website was shut down and the XXXX XXXX was no longer answering my messages and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ENHANCED RECOVERY COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card

In XXXX, we decided to buy a bed from XXXX XXXX out of XXXX, KS. We ordered and paid roughly {$7000.00} ( {$4600.00} from debit card, balance on Synchrony XXXX ). The bed was never delivered, therefore I cancelled the order. I cancelled the order and closed the account in XXXX 2015. After 2 weeks, I got a bill in the mail for the entire amount. I called them again and they would credit the account in full. I asked them a XXXX time to close the account. After about XXXX minutes, and alot of anger, they closed it. a few weeks later, I got another bill in the mail. This time it was for about {$1100.00}. They were still billing me or shipping charges, restocking fee, etc. I called them yet again, asking how they could charge a CLOSED account, they said it was their right. I explained in detail what happened, talked to XXXX seperate supervisors and finally got someone with some force behind them.they told me I still was responsible and they would not close the account until it was paid in full. I took to social media at that point. I vented my frustrations, they gave me the " SORRY YOU ARE HAVING A HARD TIME '' speech. A lady from XXXX XXXX called me after reading the comments on XXXX and looked into the charges and credited the account. I requested yet a XXXX time to close the account. She said the account was officially closed. 

Low and behold, I got a statement in the mail 2 days ago. My question to them was " WHY AM I GETTING A STATEMENT ON A CLOSED ACCOUNT? They are refusing to close the account. I need this taken care of. I can provide the account number if needed. I checked my credit report and it still shows as an open account. HELP!!!
Product: Debt collection

Hello, I have received letters from the following companies and I would like them to stop harassing me and sending letters. 

The name of the company is the following LVNV Funding LLC they sent a letter on XX/XX/2023 stating that I owe them XXXX. I've never done business with this company. 


I did a dispute with all XXXX credit bureaus and they removed the collection off my credit but, the credit bureaus then placed the collections back on my credit causing my credit score to plummet significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put out of an apartment about 7 years ago and all my personal info was left in the apartment I had no time to retrieve my personal belongings I have 2 accounts on my credit that are due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( Equifax, XXXX  & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with Lexis Nexis, XXXX and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

XXXX has failed to remove after several request. 
Lexis Nexis-Dispute in progress.
Product: Student loan

Hello, I have been trying to get an answer from fed loan servicing for over a year on the following issue. The payment window of XX/XX/XXXX I made a payment but FedLoan servicing placed my loan on forbearance based on national standards that month. Over a year ago I inquired about this and Fedloanservicing offered to remove the forbearance and then count my payment towards the PSLF loan payment count for a qualifying payment. I have called in once every few months since then and was told many months ago that they processed the forbearance removal but they havent counted the payment yet. I am trying to get closure on this issue before Fedloanservicing hands over my loans to the next loan servicer at the end of XXXX. 

Thank you, XXXX
Product: Credit card or prepaid card

back in   XXXX   XXXX   XXXX   I purchased an airline ticket online for departure in   XXXX   XXXX   but just  XXXX  mn later I received a call that my father passed away and i was in needed to leave earlier so I checked with them online they said is free cancelation within  XXXX  h of purchase so I called them and when I asked the agent for refund so he said he ca n't do it and his supervisor who needs to do it so he put me on hold for app  XXXX  h and we got disconnected and called again and same I could n't even go through until the  XXXX  h passed.   I emailed them and the only answer that I got I 'm sorry but the refund needs to be done over the phone, so I called citibank credit card and I informed the representative that I have been charged and i 'm trying to cancel but nothing so she said i do n't see any charges posted on your account.   I was surprised a month later that the charges were in my account so I called  city  and I disputed the charges but they refused to help and they said the marchant is right.   I never ever had a credit issue my score is over  XXXX  and never been late on my payments you can check that but now i 'm very annoyed by the letter and the interest that they are sending and I do n't want to had bad credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN 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 these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXXXXXX, account ID XXXX 4. XXXX, account # XXXX, XXXX XXXX XXXX XXXX, account ID XXXX 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 an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

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

I signed up for an American Express Platinum credit card with a XXXX signup bonus and a {$3000.00} minimum spending requirement. I was using the card for my regular purchases, not tracking exactly how much I was spending. About a month later, I received XXXX points in my account. As a regular consumer, I assumed that I had spent enough for the signup bonus because I received it in my account. I kept on using the card for my purchases and thought nothing of it and the 3 month deadline for the minimum spend came and past. About 4 months after I signed up for the card, I suddenly found out that XXXX points were taken from me. I tried contacting American Express, and they said that apparently I did properly fulfill the terms and conditions of the signup offer, but the customer service representative did not know exactly why I was not eligible. I am contacting the CFPB because American Express is running a bait and switch scheme by promising a lucrative signup bonus, misleading me into thinking I have fulfilled the requirements of the offer, and then pulling the offer when I have no recourse by using a technicality in the terms and conditions. If I did not fulfill the terms and conditions, there is no need to wait 3 months to remove the points on my account with zero communication prior to this. If there was any type of communication, I could have fixed the issue. What is especially malicious is that they removed my signup bonus the day after an implementation of a no refund policy for the annual fee. Thus, they took my {$450.00} annual fee when I was under the impression that I received my signup bonus, and once I was not eligible for a refund on the fee, they took my signup bonus back. This is certainly deceptive advertising and American Express should not be allowed to continue this shady behavior.
Product: Debt collection

I am XXXX XXXX. i'VE ATTACHED my social security card for verification purpose ( SSN : XXXX ) .I really need your help. my identity was stolen. now accounts are being started using my personal information.I filed a FTC REPORT ALREADY ( report # XXXX ). Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I identify all the inquiries and accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately remove those items from my credit report. It has been over 35 days so they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.