23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On or about XX/XX/XXXX, I sent in a request to have my Private Student Loans service by AES to be XXXX due to school misconduct perpetrated by XXXX University while I was in attendance XXXX AES is providing the application to students for this purpose. However, I received an e-mail from AES will not honor my request because quote, " We are unable to approve your request for loan forgiveness for your loan taken out with XXXX Bank to attend XXXX University. The XXXX XXXX does not apply to your loan because XXXX Bank did not have any relationship with XXXX University. ". Every private loan given to all the schools that were found to have defrauded students should be given the same consideration as the XXXX XXXX to Repayment on Federal student loans, like the one I received against XXXX University in XXXX of XXXX. I also received a full discharge of all private loans I had outstanding with XXXX XXXX of XXXX. The XXXX on XXXX XXXX XXXX is advising all students who have been denied a private loan discharge when a school defrauded them- and have had Federal Loans XXXX for school misconduct, actively pursue a discharge from all private lenders. All denials are being reported to XXXX for review. My original loan amount was taken out in XXXX the very year XXXX University began its campaign to actively misrepresent its graduation rates, higher than usual employment rates after graduation, and its job placement rates within 6 months of graduation. All false statements to entice and keep students enrolled. Every student who was defrauded by all non-profit schools deserves to have their life given back to them and not be held XXXX any longer by loans given to these schools. Holder Rule or not, we must be able to have the right to have these loans XXXX when the evidence is unsurmountable against the school that defrauded students. This kind of unjustness must stop in regard to these scam schools and the loans associated with them. At XXXX XXXX XXXX now, I need to be able to save for retirement and not be burdened with a loan to a school that scammed me into enrolling and staying in enrolled. Attendance to this school has not helped me but hurt me. It is not right to be paying on a product until I am XXXX XXXX XXXX that was defective.
Product: Credit card or prepaid card

My XX/XX/2023 American Express credit card statement included a charge for {$1.00} for interest. I found out that this was " carried interest '' by calling customer service to ask why there was an interest charge when my prior month 's statement was paid XXXX full and here were no purchases during the current billing statement. The agent told me that carried interest is applied for 2 months after the card is paid in full. This seems unfair and greedy. The agent told me that there was an explanation of carried interest on my XXXX statement. I looked at it and read it back to him. I told him that there is no mention of the 2 month period in the statement. He agreed. He also agreed, at the beginning of my call, to waive the interest. 

I don't know if this practice is allowed by law but the statement should be complete. Otherwise it is not informative of the terms. 

Here is a copy of the description of carried interest in the credit card statement : " About Trailing Interest *Indicates posting date You XXXX see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called " trailing interest ''. Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your balance in full ( or if you have a XXXX balance, by paying your XXXX XXXX on your billing statement ) by the due date each month. Please see the " When we charge interest '' sub-section in your XXXX XXXX for details. ''
Product: Credit reporting or other personal consumer reports

Ive paid off my car loan more then 60+ days ago, entered dispute, TransUnion says they fixed it, XXXX XXXX XXXX says paid in full. Trans union closed dispute without fixing it. Claim made under FCRA for $ XXXX, TU has not fixed, reported again, $ XXXX, will not resolve. 
TU makes interaction exceedingly difficult and will not comply with federal law. Suggestion is to hold CEO ( and spouse, if any ) privately liable for pattern of activity is violation of fed law like XXXX  execs. Without this these executive officials will not comply or make needed changes to create an atmosphere conducive to protect the innocent. TU is instead, though obfuscation and deliberate infliction of emotional distress, imposing a chilling effect to refuse or fail to comply with federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

All these companies don't adhere to their own policies have berm harassed continually by theses companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to cancel this service many times. 
Most recently XX/XX/2018. 
When I attempt to cancel my account the automated service tells me I do not have one. 
When I try to contact member services I am left on hold for hours with no response. 

I had to make a stop payment on this previously with my bank that cost me money. 
The information was changed on how I was being billed and the billing has begun again. 
I have attempted numerous times to cancel this service and have not received a single response. 

I have already been on hold with the company for multiple hours today and have attempted to call multiple different numbers that bring me to the same menu. 

I am being billed on the XXXX of every month a total of XXXX from experian.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX ( also known as Factual Data ) pulled my credit without my permission or permissible purpose ; by law, they are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) and need to remove this unauthorized inquiry immediately. On XX/XX/XXXX, this same inquiry was disputed and after submitting substantial evidence, on XX/XX/XXXX it was requested to be removed from my report. However, between XX/XX/XXXX an XX/XX/XXXX, they have reported this same inquiry back on my XXXX report. As mentioned in the XX/XX/XXXX dispute, I never gave XXXX XXXX permission to pull my credit on XX/XX/XXXX. He was unlawful in his acts of doing a rescore and pulling my credit without my permission, and as a result ( according to the proof letter attached ) he is no longer employed with XXXX. My supporting documents proved the truth, but they only honored my request for a short period of time. This inquiry needs to be removed once and for all. This is now considered harassment and by willfully violating the FCRA and failing to correct this inaccuracy, I will exercise my right to seek payment for the damages this recurring unauthorized inquiry has caused me if inquiry isn't removed permanently.
Product: Checking or savings account

Citibank closed my account implying fraud activities, I spent more than a month trying to resolve the issue before theuly closed the account. I waited more than 20 days for the check with the remaining balance to arrive by mail and decided to call them for clarification. The representative told me they would provide a stop payment on that current check which I was told was sent on the XXXX of XXXX, and that they would send a new one. This was around the XXXX or XXXX of XXXX last week. Idecixed to call them up for clarification on this substitute check sent and like it has always been from the start, they made it really difficult to provide ANY information on the issue. All they provided was that the issue is under investigation and that they could not provide any further information. In other words, they completely ignored the fact that snother substitute check was sent ( or not ). I feel completely HELPLESS and that they are playing me and most likely other custumers as fools. I have over XXXX XXXX dolars from my hard work pay and have not seen a XXXX of it ever since. Considering how dificult it has been for people to overcome this current pandemic situation, this has affected me to a higher level.
Product: Credit card or prepaid card

This is in reference to complaint XXXX which was CLOSED after the company, HSBC, sent me a letter telling me to send copies of my Driver 's license or passport and utility bills through the mail to authenticate me. I spent over three hours on the phone giving DL numbers, date of birth, mother 's maiden name, addresses- old and new, etc.. The credit card account I closed has {$160.00} credit that HSBC is stealing from me ( they will not send a check ). If MY money is not returned to me in a reasonable time I will be contacting the police and sheriffs in both XXXX ( previous address ) and XXXX ( present address ) to have this credit card fraud investigated. The HSBC reference number is ID # XXXX. 
The original complaint was opened XX/XX/XXXX and today is XX/XX/XXXX.
Product: Debt collection

I asked this debt collection agency to send me documents validating this alleged debt and I received a document that does not state that at all! There was nothing addressed and still no valid documentation supporting the alleged debt. They provided a document with an address that I never resided, the date of service alleged by the original biller is a date that no service was utilized and the contact number listed is invalid and has been invalid since 2019, which was before the alleged date and year of supposed service. Please provide an accurate bill reflecting the alleged date of service along with documentation as evidence that the original biller and/or creditor ( s ) did attempt to contact me before sending the alleged account to a debt collector. The document provided is NOT a validation of any debt.
Product: Checking or savings account

XX/XX/XXXX : My Wells Fargo debit card got hacked. {$420.00} was purchased at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX. I live in XXXXXXXX XXXX. Bank transferred money out of my savings account to checking to cover it. I never authorized them to do this! Post date : XX/XX/XXXX. I told bank on XX/XX/XXXX that the charge was fraudulent. After 10 days, gave me provincial credit. Informed me today, XX/XX/XXXX, they couldn't prove fraud & there's nothing they can do. On XX/XX/XXXX, they will deduct {$420.00} from my account. Their phone # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account I would like to see financial accounts showing I was I reached out to the credit bureau for a solution and got no reply. the day was XX/XX/2021. the company doesn't report monthly as agreed in loan contract.
Product: Credit reporting or other personal consumer reports

Hello, I am reporting this ACCOUNT # XXXX as paid off in good standing. its still reporting as negative. I would like to have this updated to good standings or to be removed. thank you
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number:XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

on XX/XX/XXXX, I applied tor the XXXX business card issued by Barclays. 
Upon submitting my application, I received a message stating that Barclays needed to contact me to obtain some more information. There was no number provided on the page so that I might contact the bank, in case that dod not contact me. 
After reviewing the message a few times, it occured to me : I have been a customer for a year and a half. The bank already has my information. On XX/XX/XXXX, I began researching how to contact the applications department. after a few calls, I was unable to locate someone who might have answers. Each representative told me to " just wait ''. 

In XX/XX/XXXX, I wanted to reinstate the uber visa that I had closed. I tried to locate the chat feature on the ios app, however, I was unable to locate it. I then called the number on the back of the card. I did not even reach a representitive, because I was required to enter a pin, which I could not remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a XXXX d ) ( XXXX ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( XXXX ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo bank XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX.This company pulled my credit report on XX/XX/2022 wituout my authorization.They told me contact credit bureau XXXX To delete the inquiry.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, discovered on XX/XX/year>. I recently filed a claim against XXXX Fraud Investigation Department on XX/XX/year> after making countless attempts to get my fraud charges disputed and dismissed. I received an answer from XXXX on XX/XX/year> stating that they had determined both fraudulent charges ( {$1000.00} and {$810.00} ) were fraudulent and were removing them, and that they would be reporting this to the credit reporting agencies. 
I just received another letter from XXXX dated XX/XX/year> stating that they are now holding me responsible for the 2nd fraudulent charge, late fees and interest totaling {$920.00}. They state that they have conducted their investigation using information that I provided and it wasn't enough information to support my claim. 
MY IDENTITY WAS STOLEN, I have a police report, I provided them with the timeline of ALL of my communications with XXXX and a copy of the flyer that the sheriff 's office made public to help find the woman that stole my identity. I have had to get a lawyer involved because this has harmed my credit, my health and my general life due to all the added stress of dealing with the incompetence and lack of empathy from XXXX. Now, after being told that they used the information I sent them to prove the fraudulent charges were in fact fraud, and receiving a letter from XXXX stating that it DID prove the fraud charges on my account, I'm now being told they are going to hold me responsible for one of the fraud charges. This is absolutely unconscionable that they continue to harass me, attempting to collect a debt that is NOT mine, and continuing to destroy the credit that I have worked my whole life to keep exceptional. 
I want XXXX held accountable for their egregious actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and XXXX and Experian is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these  investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX card and feel as though I received an unfair and misleading bait-and-switch offer. Apparently there are two credit card options -- which have very different terms and benefits -- the XXXX Signature has all of the benefits that are emphasized in the advertising, and the Platinum Plus XXXX, which has many many fewer benefits, including 1/6 of the bonus miles, no free checked baggage, and a significantly reduced companion ticket benefit. While it mentions this possibility on the application website, it was not clear to me during the application process that I had actually received the lower-tiered version. ( Unfortunately, I do n't have a screenshot of this process, however, I do not recall there being any verbiage indicating that I had not been approved for the XXXX Signature -- it must have just said I was approved for the Platinum Plus, which at the time I did n't realize was  different. ) It was also not clear that there were such different benefits between the two options. Furthermore, I was not given the option to state whether I was in fact interested in this lower-option ( which I was n't ) : once I applied and was approved for the lower version, I did not have the option to decline. So, essentially, I applied thinking I was going to get one card, was apparently not approved for it, and was automatically given a different card which I would never have applied for in the first place. It is also unclear to me why I was n't approved for the better option. I have a pretty good credit score ( XXXX ), and have other lines of credit that are in good standing. I tried calling Bank of America, and they were not able to provide me with answers. They only told me that I could reapply, but that I would n't get the additional bonus miles. I declined, and closed my account. I 'm sure Bank of America has covered its behind by putting all of this in the legalese of fine print, but honestly I consider myself a fairly savvy customer and I was still duped. I do n't think that, even if it says so in the fine print, you should be able to apply for one credit card and end up with another, with very different terms and benefits. ( Especially given that even applying for a credit card can negatively impact one 's credit score. Now I 've been hurt for getting a credit card I never wanted in the first place. )
Product: Debt collection

My son received XXXX from XXXX XXXX XXXX XXXX. My health insurance did not cover the XXXX which left me underinsured. The XXXX program through the CDC pays for the XXXX of the under or uninsured which was my issue. I no longer have a bill because of that but this company has placed this debt on my credit report although I owe no bill to XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 
Inaccurate Account number 
Inaccurate date opened 
Inaccurate last date active 

XXXX XXXX
Inaccurate date opened 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to get my credit report in the past from all 3 bureaus as recently as XX/XX/XXXX from XXXX  and XXXX XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from TransUnion or XXXX. TransUnion states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. XXXX. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send TransUnion and XXXX my complain and in return they may or may not  send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a  time. 
I also would like to sign up with TransUnion True Identity credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.
Product: Debt collection

Another debt collection company harassed me. It wasn't my bills and they stolen my personal information. Also they try to get my money. I never heard XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ' I never contracted and signed those company. In NEVADA doesn't have those company. I'm tired of from scam electric company and debit correction. I have a police report. I would like to request of stop harassing and never contact me.
Product: Debt collection

Received a letter from Debt Recovery solutions stating that I owed {$330.00} to them. I called and asked where the debt came from and they said a company called XXXX. I have never used XXXX for anything. They said the transaction happened in XXXX of 2020. Once again, I never have used XXXX for any transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I was in the market for a new bed and XXXX  gave me a credit limit increase so I could purchase it. Since then I have made every payment on time everytime, and all Ive gotten out of it was XXXX keeps lowering my limit to make it look like I went over my limit. I have yet to receive a letter explaining why, which by law the were supposed to give me. I demand to know what is going on!