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

My credit file was affected by the XX/XX/XXXXEquifax breach. I have disputed this several times with the companies XXXX XXXX, however Equifax refuses to remove the following fraudulent information that were created in my name during the breach : INQUIRIES : 1. XXXX XXXX : XXXX XXXX, XXXX XXXX - Shoe, Hat, Etc. 
2. XXXX BANK XXXX NA Inquiry : XXXX XXXX, XXXX All Banks 3. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 4. XXXX   XXXX BANK XXXX : XXXX XXXX, XXXX All Banks 5. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 6. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY 8. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX   XXXX, CA XXXX 2. XXXX  XXXX  XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNTS : 1.XXXX  XXXX BANK XXXX Reported XXXX XX/XX/XXXX {$240.00} Closed 2. XXXX XXXX FACTOR Reported : XX/XX/XXXX. Collections Please remove this information for me. Thank you
Product: Checking or savings account

On XX/XX/2021, at a point in time between XXXX XXXX. and XXXXXXXX XXXX, I initiated an ATM withdrawal of {$750.00} from the TD Bank branch at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. However, I never received this money ; if the money was disbursed, then I must have absent-mindedly left the bank without taking it. I have filed three successive claims with TD Bank requesting that its investigators review camera footage relevant to to this ATM transaction and then release that footage to me ; and/or to XXXX XXXX, XXXX. and manager of the Bank 's XXXX XXXX XXXX, the branch most convenient to me because located nearest my residence ; and/or to the XXXX  XXXX Police Department ( XXXX  ). My third and last claim included the attached scan of XXXX Verification of Crime Report No. XXXX. 

The Bank summarily denied all three of my claims. The denial letters issued by the Bank show that the Bank 's " investigation '' of my claims was limited to determining whether my money had been disbursed and taken ( the Bank asserts that it was ) ; however, the Bank 's investigators made no attempt to review the relevant camera footage to see whether it was I who took the money. A review of this camera footage would show conclusively that, if my money was indeed disbursed and taken, it was taken by a person who entered the Bank immediately after I left ; such a review could lead to the identification and apprehension of the thief. The Bank refuses to review and release its camera footage, and it refuses even to review that footage, absent the Bank 's receipt of a subpoena from the XXXX compelling it to do so. 

I have been unable to persuade the XXXX 's XXXX XXXX, which is the Precinct that has jurisdiction of the location where the theft took place, to issue a subpoena. The Precinct 's Detective Squad is the only section in this Precinct that has the power to issue subpoenas but the Squad refuses to do so because the crime is one of petit larceny ; according to Detective XXXX, one of the Squad 's detectives, the Squad 's policy is to investigate only felonies. In accordance with this policy, the Squad handed to one of the Precinct 's Neighborhood Coordination Officers ( NCOs ), namely Officer XXXX, Shield Number XXXX, the responsibility to investigate the complaint that I filed with the Precinct on XX/XX/2021 ; as far as I can tell from my conversations with Officer XXXX, no investigation of any kind has been conducted and the case has been closed.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXX XXXX  auto XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Student loan

For the fourth semester in a row ( Summer XXXX through Summer  XXXX ), Nelnet has used the student loans for my part-time XXXX  program as an excuse to put my previous XXXX XXXX loans into deferment. Each time, they claim that I requested a deferment despite the fact that I never did.
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I have contacted both Nelnet and Federal Student Aid Ombudsman Group and both have failed to even acknowledge my correspondence. <P/> Further,  the last two semesters, I have filed a request via studentloans.gov to put the new loans into repayment immediately. This includes answering Are you currently in deferment or forbearance with Yes, but I want to start making payments under my plan immediately. Each time, Nelnet has responded to this request by sending a letter stating that my deferment request was approved rather than placing the loans into repayment.
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At this point, it is clear that Nelnet is blatantly attempting to delay my ability to claim loan forgiveness under the Pay As You Earn program and increase the amount of interest I am forced to pay over the now extended life of the loans. This is nearly identical to the conduct XXXX was already sanctioned for.
<P/>
I am not requesting that you intervene only on my personal behalf. I have the capability to pursue litigation and have some special office of Nelnet issue a fake apology and reverse the deferments as a supposed special exception. I intend to do exactly that next Spring after I graduate and dont have to deal with the same thing every semester.
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Instead, I am asking that you investigate Nelnets overall practices on behalf of the thousands of students who are being charged thousands of dollars in additional interest without even being aware of what is going on or the financial consequences of taking an extended deferment.
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Questions to consider include : Why is Nelnet placing student loans into deferment supposedly at the borrowers request when the borrower made no such request?
Why is Nelnet ignoring written instructions to not issue future deferments?
Why is Nelnet extending deferments upon receiving Income-Driven Repayment Plan Applications from StudentLoans.gov directing that the loans be placed into immediate repayment?
Is Nelnet committing a crime by falsifying documents when it states that the borrower requested a deferment when the borrower did not?
<P/>
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to place a freeze on my credit with Experian. Made numerous attempts on their web site and phone. Placed on hold for long periods of time only to be transferred and then hung up on. Ultimately the freeze did not happen. Their only other option to initiate the freeze is to send a lot of my personal information through the mail which if in the wrong hands will only expose my identity to more risk. The other agencies made it easy to place freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following account XXXX/DOFED XXXX - student loan is in deferment status, it is not aid late. None of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my accounts
Product: Checking or savings account

In numerous occasions, I was charged overdraft fees. The payments should have been processed at the time but seemed like it was held back intentionally just like right now. I had enough funds for a reversal fee but they waited to process the amount until my account got low and that amount has finally been pulled from my account causing it to go negative and charging me overdraft fee. That seems to be a normalcy for Wells Fargo Bank. I already talked to a banker about taking my reversal charge on a Friday but they never did until this morning.
Product: Bank account or service

On XXXX XXXX, XXXX, I opened a Citigold checking account with a promotion code I had received XXXX XXXX # XXXX ). The promotion promised an award of XXXX XXXX XXXX XXXX miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I attached a copy of the terms and conditions for the promotion. 

After completing the requirements in late XXXX XXXX XXXX, after waiting over a month for the XXXX points to post, I messaged Citibank via their online chat on XXXX XXXX, XXXX, and received confirmation that I had completed the requirements for the promotion and that I should allow 90 days for the XXXX XXXX points to post to my account ( which would roughly be the beginning of XXXX XXXX XXXX. A copy of this exchange is attached. 

On XXXX XXXX, XXXX, after I had still not received the XXXX points in my account, I spoke to another representative via online chat who I provided with my XXXX number, XXXX, and he opened an inquiry regarding the status of my points ( inquiry # XXXX ). I was informed that I should receive a confirmation email shortly confirming my inquiry. A copy of this exchange is attached. 

On XXXX XXXX, XXXX I sent a secure message to Citi because I had still not received any response to the inquiry, nor had I even received my confirmation email that an inquiry had even been opened. I was informed the following day that my inquiry was actually in the system, though the status was still pending and there was " no estimated time of completion. '' A copy of this response is attached. 

I reached out XXXX final time on XXXX XXXX, XXXX and was told once again that the status of my inquiry was pending and no timeline was available. Again, a copy of this exchange is attached. 

As of the date of this complaint, XXXX XXXX, XXXX my XXXX miles have still not been rewarded, despite them having been promised by XXXX XXXX. I note that the terms and conditions of the offer state that " The XXXX bonus miles will be credited by Citibank to your XXXX account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, which is ninety ( 90 ) calendar days from the date on which the requirements were completed. They have still not shown up in my account by this date, which is now well beyond the 90-day time frame. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / XXXX ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted USAA to inquire as to why my credit card reporting status showed under adverse accounts on my XXXX  report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. USAA would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency XXXX 
I filed a dispute with XXXX because USAA stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with XXXX  now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If USAA did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.
Product: Credit reporting or other personal consumer reports

I dont know whats going onwhen I checked my credit report today, there were accounts that shouldnt be there. Im diligent about checking it, but these errors appeared out of nowhere. I tried everything, even refreshing the page, thinking it was a technical issue, but the problem persists. Please, Im desperatereview my documents properly so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an address of XXXX XXXX XXXX, XXXX, NY XXXX on my account ; I do not live there or have ever lived there.
Product: Debt collection

On XX/XX/XXXX XXXX I discovered that a {$1300.00} was garnish from my paycheck without prior notice. When I contacted my employer department, they informed me that the garnishment was initiated by XXXX XXXX XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX. 
This was the first time I was made aware of any debt or legal action against me. I never received any court summons, written notice, or debt verification before my wages were taken. 
Actions taken : 1. On XX/XX/XXXXXXXX XXXX, contacted my employer 's payroll department and was informed that the garnishment was issued by XXXX XXXX XXXX, XXXX XXXX. 
2. XX/XX/XXXX, XXXX, called XXXX XXXX XXXX, XXXX XXXX and spoke with a debt collector named XXXX XXXX. He stated that my debt information was obtained from another debt collector, XXXX XXXX XXXX XXXX. However, I was never contacted by XXXX XXXX XXXX XXXX and had no prior knowledge of this debt. 
3. XX/XX/XXXX XXXX I sent an email disputing the debt to XXXX XXXX XXXX, XXXX XXXX, as instructed by XXXX XXXX, but I have not garnishment received a response. 
4. XX/XX/XXXX, - Contacted the XXXX and XXXX XXXX XXXX and was informed that the judgement dates back to XXXX. However, I was never served or notified about this case at the time. 
5. XX/XX/XXXX, Filled XXXX and XXXX forms with the court to challenge the garnishment on the basis of financial hardship and lack of proper notice. 

Why this is a violation of my rights 1. Failure to notify me before Garnishment.

2. I was never served or given proper notice of the debt or lawsuit in XXXX. 
3. Under California Code of Civil Procedure ( CCP ) 699.520 & CCP 700.010, I was required to receive proper legal notice before enforcement actions like garnishment could proceed.

4. Unfair debt Collection Practices ( FDCPA XXXX XXXX XXXX - XXXX XXXX ) XXXX. I was not provided a debt validation notice before my wages were garnished. 
6. Extreme Financial Hardship ( CCP 706.051 ) The {$1300.00} garnishment has left me unable to pay my mortgage for this month ( XX/XX/XXXX ), putting my family at serious risk of homelessness. 

What I am requesting from CFPB 1. Investigate XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX for violating debt collection laws. 
2. Stop the wage garnishment immediately until this matter is fully reviewed. 
3. Require XXXX XXXX XXXX, XXXX XXXX to provide proof that I was properly served and notified before garnishment. 
4. Ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and California Protection Laws. 

This garnishment has put me in severe financial hardship, and I am seeking urgent intervention to prevent further damage. I appreciate the CFPB 's immediate attention to this matter. 


Thank you for your prompt attention to this matter. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a personal loan with several companies in XX/XX/2022 XXXX of the companies was Lendingpoint LLC. 
Did not accept their loan offer. Never signed any loan documents. Never received any loan funds. 
This company is now claiming I have a loan with them and it is delinquent. 
Disputed twice through the credit bureau. 
This is complete fraud.
Product: Credit reporting

I have disputed this collection account multiple times with no resolution. This account was discharged in a bankruptcy in 2012, but it is being reported as an open collection. It should be reported as a closed collection that was discharged in bankruptcy. I have asked numerous times for the status to be changed from open to closed and the only response I receive from Equifax is that the account belongs to me! I know that! BUT IT SHOULD NOT BE REPORTED AS AN OPEN COLLECTION! All other Credit reporting agencies have changed the status except Equifax! I have also filed a complaint against the collection agency for falsely reporting this account as an open collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the  bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Product: Debt collection

XX/XX/XXXX I had a XXXX done by XXXX XXXX. I was billed XXXX. I paid XXXX XXXX directly on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  CST I spoke with XXXX XXXX, a debt collector with CPC Recovery Group. ( Central Portfolio Control ). I emailed him the receipt of the medical bill being paid. XXXX stated that the bill i provided was not suffice. ( attached ). I advised that it had been paid and he confirmed that the XXXX XXXX account number that i had paid on XX/XX/XXXX was the account they were trying to collect. I asked them if they would contact XXXX XXXX XXXX   and confirm that it had been paid. I was advised that they would not do that and i had to provide additional documentation. There were several more phone calls in which i do not have the intimidate access to time and date, but can find them if i need too. 

Starting XX/XX/XXXX the debt was added to my credit report. CPC would not return my calls, not contact XXXX XXXX or remove the collection from my credit report that should not have been there in the first place. 

On XX/XX/XXXX i again sent the statements showing the account was paid to a XXXX XXXX. The debt is still not going to be removed. I can not get CPC to contact XXXX to confirm it was paid, or accept the statements i have showing it was paid. 

Over the last 9 months, i have been hung up on multiple times, can not get return calls and can not get CPC to pick up a phone and contact XXXX XXXX and confirm it was paid before they received the account to be collected on. I have exhausted all of my options and i have nowhere else to go to get assistance with this. 

Please help.
Product: Debt collection

Lewiss Mcdonell & Associate have made a delinquent charge on my account after I had closed an account with original loan. 

The original loan providers can not provide any information on the debt. Every time I call they said they dont have it because its been so long so why am I being charged if theres no information? When I showed original bank statements to prove l came to a settlement they dont acknowledge it. They were scammed by original lender.
Product: Credit card or prepaid card

Hi, I opened up a XXXX credit card through Comenity Bank. In XXXX I paid off all my credit cards, including this card, the whole balance. I received communication in XXXX that this card was sent to collections, which is surprising considering I paid it off. Looking at my statements, after I paid off the card they had charged a {$2.00} interest fee but did not communicate this to me. Since then they have added late fees to each month and interest fees to this {$2.00}, resulting in {$30.00} that was sent to collections. There was no communication to me, through email, mail or phone ( even checked my junk box ) saying I owed or had an outstanding balance, due to an interest fee. I reached out to the company expressing my concern and received a very dismissive response saying they are at liberty to assess fees and no solution to the problem here.