23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a loan from XXXX XXXX XXXX in the summer of XX/XX/XXXX. The disbursement date was XX/XX/XXXX for the upcoming fall semester. My original balance on the loan was {$16000.00}. I was scheduled to start paying on the loan in XX/XX/XXXX. Before I made my first payment the loan was transferred to AES American Education Services with a notice that the terms of my loan were changed. As of XX/XX/XXXX I had paid {$15000.00} on this loan and noticed that I still owned nearly {$20000.00}. I had taken out a federal loan at the same time that was almost paid off in full for the same amount, but this AES loan had more than the original balanced still owned. I made telephone call to AES and they stated there was no way that I can talk to XXXX XXXX XXXX. I could send a letter and they would forward it to them. I did that in XX/XX/XXXX, asking for a reasonable settlement with no response. I am now in default. I have never signed any contract with American Education Services. I certainly would not have signed an agreement to pay back {$46000.00} for a {$16000.00} loan, as the change in terms notice states. I can no longer manage this loan, besides the fact that I think this is criminal, it reeks of extortion. AES told me that the interest is accruing daily. Even though I have been paying {$220.00} a month, the amount owed just keeps increasing. I dont believe that this company is complaint with truth in lending laws and should not be allowed to do business in my state.
Product: Credit reporting or other personal consumer reports

Experian I tried signing on It failed I asked to reset PW it said it was sending a verification code to my phone- that never happened I also called 3 different service # s - they say they have specialist but I can't speak to them they provide no help getting my online access restored and don't answer their PHONES!!! 

I have an Experian report dated XX/XX/ in front of me I can see that I am using proper phone # s / i know my SSN, been the same for XXXX XXXX I am angry that they give NO SERVICE -- What if I had a real issue. 
I DO WANT online access to my account.
Product: Credit reporting or other personal consumer reports

This morning, I found some false accounts listed on my credit report and cant figure out why. I routinely check my credit report, but this time unexpected errors appeared. I attempted to refresh my browser to rule out a glitch, but the incorrect information stayed. Therefore, I am requesting a detailed review of the documents I provided to put this issue to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time. This research was conducted more than a year ago. Case Number XXXX Phone Fax XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not recognize this enquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of XXXX XX/XX/XXXX " Transunion '' 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 via XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This morning I found out that my bank credit card was closed, and then I called Bank Of America and they told me that my checking and savings account would also be closed in the next few days. Didn't provide any reason for closing my account. This has had a huge impact on my life, the only city I live in is Bank Of American. Now they can't open an account for me. I have not had any illegal operations, there has always been a stable deposit in the account, and the credit card has never been delayed in repayment.
Product: Credit card or prepaid card

Bank Of America increased my interest rate on my credit card from 10.24 % to 11.24 % during my last billing cycle with no notification to me as the consumer of a rate increase. This account has been open and in good standing for over 7 years with no change in interest rate or credit limits until this last billing cycle. During attempts to resolve with Bank of America they confirmed that no correspondence was sent to me as required by federal law to notify the consumer within 45 days of any rate changes. Despite Bank of America 's admittance that no notification was given prior to increasing the interest rate, they continued to refuse any resolution.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have tried to contact Grain 's support center to update my bank account information due to closing my formerly used bank account. The only way to get assistance from Grain is to send an email online or using the mobile app. I sent a support request on XX/XX/2022 to have my bank account information updated so I may make my monthly payment. The company sent an automated response confirming they have received my request and " our average response is around two business days but in periods of higher volume, it may be longer. '' I did not receive any response so I sent another request on XX/XX/2022. It is now XX/XX/2022 and I have not received any response from the company 's support center. My account is falling behind because I am unable to make my payment due to Grain only accepting payments within the mobile app and providing the error " tap 'Contact Us ' to change your linked account. '' This will affect my credit as Grain reports to the 3 major credit bureaus. There is no company phone number to be found in the app or on their website so I am unable to call them to resolve the issue.
Product: Debt collection

i have contacted this company several times regarding this debt. It does not belong to me. I have owned an XXXX car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to Experian in regards to the following accounts, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$440.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ). As well as these following inquiries, XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX ) XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ).
Product: Payday loan, title loan, or personal loan

We took a personal Loan from Upgrade. The loan was for {$8000.00}. {$2000.00} was sent to one of our Credit cards. {$1300.00} was sent to us. {$4500.00} was to go to a Credit Card, they never received the payment. We have contacted Upgrade weekly for 2 months and are told they can't find the Payment. We took the Loan on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last five years I've been trying to get Equifax to remove an extended fraud alert they placed on my file without my authorization. I've called them dozens of times spending countless hours on hold only to be told their systems are unavailable or to be disconnected by agents in foreign countries. I've sent six letters with the appropriate documentation requesting it to be removed and it just never gets done. The latest confirmation I was given on XX/XX/20 was XXXX and was told it would be removed within 4 hours. It's almost 5 days later and its still not removed. 

This problem and their failure to act has resulted in several hundred hours of lost time for me spent dealing with issues because companies can't verify my identity, inability to open accounts online, inability to manage my social security account online, being challenged about my identity every time I apply for credit, being denied credit as a result and more. 

It's ridiculous how a company can create this kind of havoc in your life without any penalty or accountability and as a consumer we have zero recourse. How did they get all the power and we end up with none. Powerless. It's frustrating and demoralizing. This after they compromised my personal data. They still haven't made changes to their business to rebuild trust with Americans. Same XXXX  service, failure to follow through, inaccurate information in credit reports that so many systems rely on.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

At the Home Depot XXXX # XXXX store ( in Arizona ) in XX/XX/XXXX, the cashier offered me a discount if I signed up for a Home Depot credit card. I did so. The charge for the purchased products at the time was about {$50.00}. 
On the morning of XX/XX/XXXX I received a call from Citibank asking for a payment of over {$150.00}. Between XX/XX/XXXX and the end of XX/XX/XXXX, I have not received any information about the account - including a physical card, statements, account number, etc. 
When I asked them to remove the late fees and interest charges, they refused to do so, even though they never provided me with any payment information prior to this time. I have asked them to cancel the account. 
Unfortunately, I can not provide any specifics since I have no documentation from the company or any kind of access to an online account.
Product: Debt collection

I have attempted numerous times to have information regarding a collections account removed from my account. This account has been on my credit report for nearly 6 years now incorrectly. I have attempted to resolve this with both the company and XXXX credit agency to no avail. My problems with the account are that I have never owed this company or XXXX any money. I have also never paid either of these companies any money for resolution of this issue. This company had 2 collection accounts on my credit report from XXXX. My most recent attempts at resolving this started approximately XX/XX/XXXX at which time I contacted eastern account systems. I called them and asked what this debt was regarding. The customer service agent, who did not give his name, stated there was no account listed under either my name or social security number and that his company did not do collections for XXXX. I then called XXXX and opened a dispute on XX/XX/XXXX regarding both accounts listed in collections. On XX/XX/XXXX I received an update in my XXXX account that the account was deleted. Upon review on one of the two were deleted. On XX/XX/XXXX XXXX I called for follow up and was told that the account noted the information regarding the remaining account was to be deleted with 72 business hours and if it still remained to call back. I called XXXX again on XX/XX/XXXX at which time the representative told me that there were no notes on the account regarding the remaining account from eastern account systems and that the company had said the collection data would stay on my report. Following that conversation I called Eastern account systems who miraculously was then able to locate the account. I asked when and where notice of this account was sent. The reply was notices were mailed to an address I do not and have not lived at. These notices were mailed on XX/XX/XXXX and XX/XX/XXXX of XXXX. It should be noted that the notices were sent after the collections account was opened, which I do not understand. I explained to them that I have never received notice of this and only found out about it when I obtained a credit report for myself. I was never notified of the debt nor was a debt verification ever done. I explained to the customer representative, XXXX XXXX, these facts and the fact that one of the accounts was removed from my account for be inaccurate to which he replied I was not telling the truth. I have attached copies of tax return cover pages with my address for the years XXXX showing that's not my address and that I would have never received notice about a debt that was not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

If he credit reporting agency refused to send me an updated copy of a credit report On changes that were made in my file I sent all documents they ask for and still no response from company
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm in receipt of a Shellpoint trial mortgage modification agreement dated XX/XX/XXXX. 
I received this document by mail XX/XX/XXXX. The agreement doesn't provide the terms of the agreement, such as the mortgage payment excluding the escrows for property taxes, insurance, interest rate and number of years the mortgage is being modified. I called Shellpoint several times I spoke with XXXX XXXX, and XXXX XXXX, customer service they advised I wouldn't know the terms of the loan modification until I complete the three trial payments and they refused to transfer me to the loss mitigation dept. or transfer me to a Supervisor. There is also a pending property foreclosure sale for my property set for XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have wrong name and address I never live at on the credit report.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

credit card reported lost and stolen last payment made on this account 8 years ago XXXX literally holding me hostage by committing fraud themselves they keep changing dates so the clock is reset again and again this acct should have been removed from my report last year but they are changing dates they t do not provide any bank payment docs too IREALLY NEED YOUR HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Tranunions Certified Letters showing proof my XXXX payments was NEVER Late
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, XXXX XXXX, and Equifax XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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: Debt collection

This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.
Product: Checking or savings account

I booked the XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX on the XXXX  platform. However, the hotel charged me again when I was checking out because they had an error with their system that didnt recognize my XXXX reservation. I filed for a refund on XXXX due to incidental charge but I have noticed that charge of {$600.00} has not been refunded to my bank account. I have contacted XXXX  customer service through phone call and they have said they had already repaid the amount but I have never seen that happening on my checking account. I had phoned XXXX for more than 10 times but every time they repeat with the words their financial department had already paid I am writing to request the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data n my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX ETH from my Kraken account to a fraudulent investment firm
Product: Debt collection

THESE COMPANIES BELOW :
LVNVFUNDG AT C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX        ACCOUNT# XXXX & XXXX
                       AMOUNTS:   XXXX XXXX XXXX XXXX XXXX

XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX
                   ACCOUNT# XXXX        AMOUNT : XXXX XXXX

THESE COMPANIES HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNTS ABOVE. THE COLLECTIONS HAS BEEN REPORTED AS PAST DUE BALANCES. I DO NOT KNOW THESE COMPANIES. I HAVE NEVER DONE ANY BUSINESS WITH THESE COMPANIES. THESE COMPANIES DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.