23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received an email from EdFinancial on XX/XX/23 saying that they were going to be moving my account to a new system on XX/XX/23. It stated that in two weeks I would be able to create a login in their new system. I then called after two weeks and was told " Oh, it actually is going to take 30 days now ''. It's now XX/XX/23, approximately 42 days since my loans were wiped out of the old system and I still have no way to create this new account and pay my bill. I try to call EdFinancial when I get off work and I'm put on hold until they close and no one answers. I try to use their online chat while I'm at work, and it says it's unavailable. I need to talk to someone there to, at the very least, figure out how to send them a check or something. They sent me the address to mail checks to the first time I talked to them but there is no info on who to make the check out to, what information needs to be included if any, etc. I'm not sending a check for that amount of money through the mail without knowing that I am 100 % doing it correctly. I am very frustrated and just want to be able to pay my loans. I don't feel like that is too much to ask and this whole system migration has been a nigthmare to say the least.
Product: Credit card or prepaid card

I have been repeatedly solicited by American Express over the past two years. I have filed numerous complaints and spent multiple hours remedying the situation. I have filed complaints with the XXXX XXXX and the FTC. American Express repeatedly ignores my requests. I would like to file a lawsuit in federal court for tort and negligent infliction of emotional duress. I have asked to many times to not be contacted. I should be immediately compensated for damages and injury caused by American Express
Product: Debt or credit management

They over-charge a lot of money monthly with barely real impact on your credit score.

Charging almost a {$120.00} a month to remove 1 item in 3/4 months Year XXXX {$120.00} XXXX XXXX {$120.00}
Product: Credit card or prepaid card

I applied AMEX Hilton business credit card with welcome bonus ( Earn XXXX Hilton Honors Bonus Points + a Free Night Reward after you spend {$4000.00} on eligible purchases with your Card in the first 3 months. ) on XX/XX/2022. I used the referral link for the promotion and got approval without any pop-up window or alert. I spend more than $ XXXX before XXXX and didn't receive the points as they mentioned which worth {$1000.00}. They said I am not eligible for the promotion but didn't let me when I applied it. I read the policy and didn't see any reason for me not eligible. This is the first time I applied for AMEX Hilton business credit card.
Product: Credit reporting or other personal consumer reports

Equifax reports me as liable for a derogatory XXXX account for which I was only an authorized user. The furnisher, XXXX, verifies that I was not liable and that I was only an authorized user. Please see attached PDF file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid XXXX XXXX and it continues to show as late and does not reflect payments made. Please update this to reflect accurate status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an alleged debt put on my consumer report by you guys, I never received any communication from you prior to putting this on my consumer report. I am requesting 1099c of this account. This is unfair for reporting this account and be shown on my consumer report. I have attached my complaint letter and [ please read it carfully. If this situation is not handled accordingly, I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to XXXX USC XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. 
So I then asked them to provide me a description of the investigation according to XXXX USC XXXX ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to XXXX USC XXXX ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to XXXX USC XXXX it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provid
e evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

On XXXX XX/XX/2021, I received a fraud alert on my XXXX XXXX account that someone was trying to add a new credit card to an XXXX XXXX account. I already had the card added to my account and was receiving multiple one-time passcodes from XXXX within the span of 5 minutes. I immediately recognized it as suspicious behavior and looked at my credit card statement. When I looked at my credit card statement, I noticed 3 charges through XXXX that I did not make. I actually have never purchased from my XXXX account, however I do have a XXXX account. 

The charges are as follows : - XXXX XXXX XXXX  XXXX XXXX  for {$44.00} - XXXX XXXX XXXX XXXXXXXX CA for {$43.00} - XXXX XXXX XXXXXXXX XXXX CA  for {$45.00} I immediately called Bank of America ( my card holder ) and alerted them that I was receiving fraudulent one-time passcodes from XXXX XXXX  and that I received 3 fraudulent purchases, all at the same vendor, all around the same amount. Bank of America immediately cancelled my card, issued a new one, and put a hold on my account and issued credits for the fraudulent charges. 

On XXXX XX/XX/2021, I was charged for the fraud dispute on my statement. I had not received any information about my fraud claim and no one contacted me for further information or evidence. I immediately called Bank of America and they informed me that the vendor ( who they could not provide me the name of ) had proof that I had received the " goods. '' They could not provide me with the address they were sent to, what the goods were, or who the vendor was. I explained that I never made these purchases, never received any goods, and could show my XXXX account, XXXX XXXX fraud alerts, etc. They then informed me that there were no notes originally filed in my report and that they never knew about the XXXX XXXX  fraudulent OTP or that they had alerted me to fraudulent activity. Bank of America then opened up a complaint on my behalf since they did not do any investigating and didn't record my original notes. The complain number is # XXXX. 

Today, on XXXX XX/XX/2021, I received a letter that my re-opened claim was again denied based on the original information that the unknown vendor. They continue to not provide me with information from the " vendor '' on why they are denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/2019 2019
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2019 with Capital One XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Capital One XXXX, XXXX has taken federal reserve notes every month since the initiation of consumer credit transaction. Capital One XXXX, XXXX, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Capital One XXXX XXXXXXXX have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX REF # XXXX NOTICE TO, CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA AND SOCIAL SECURITY FRAUD CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA This constitutes as first written communication for the record, and this is not a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e ( 10 ). XXXX XXXX are indeed third party debt collectors under the very definition of a third party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ), and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid you would not be sending me a collection letter assuming the debt was valid now would you?. Pursuant to 15 USC 1692c ( C ), XXXX XXXX is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show XXXX violation to establish a FDCPA claim. See XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX gave no value to any security and have no attachment and enforceability of a secured interest in accordance with XXXX XXXX XXXX ( b ) ; XXXX XXXX have no original contract or promissory note ; you are no contract assignee holders in due course in accordance witXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, you DO NOT have my CONSENT to use my social security number for commercial gain acting as XXXX of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General SSA and file a report with the federal authorities. I demand you provide the following documents immediately if you continue to use the fiction name for your entitys personal commercial gain then ; Send a copy of your Commercial Bond and Oaths to do business in the State of Georgia ; provide name and address and phone number of the Underwriter of your bond ; provide name, address, and phone numbers of the owner ( XXXX ) of XXXX XXXX ; Provide name, address and phone number of your insurance company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit report act XXXX account number : XXXX, XXXX XXXX  account number : XXXX XXXX, XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : deptedXXXXXXXX, XXXX XXXX account number : deptedXXXX  XXXX Has violated my rights. 

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 my account without my written Instruction.
Product: Debt collection

XX/XX/2019 {$780.00} XX/XX/2019 {$1000.00} the collection agency keep calling and harassing me when I have told them it wasn't me and I didn't owe them and tht I was a victim of identity theft..and tht I don't owe them anything and they continue to harass me about it..
Product: Student loan

When attending XXXXXXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. 

After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. 

When contacting XXXXXXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX and they are unable to provide my balance sheets or any financial aid documents. 

The loans are through Navient and are as such : XXXX Signature Loan XX/XX/XXXX | Originally {$40000.00} XXXX XXXXXXXX Loan XX/XX/XXXX | Originally {$9300.00} XXXX  XXXX XXXX XX/XX/XXXX | Originally {$4100.00}
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are still reporting that this credit card belongs to me. I thought we had successfully ended this the last time I reported it. It was removed and I had received a letter in the mail from XXXX stating that they had no record of me on file, Equifax removed it for a long while after that. Yet I go checking my credit report today and lo and behold it's back! I'm not sure how they can claim I'm a unauthorized third party now, and claim that I owe them a debt for a credit card that I was only a authorized user of.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXXXXXX  11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or Experian permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to XXXX and Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Debt collection

BB & T is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with BB & T directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to BB & T along with the Certified mail slip confirming that BB & T received my letter. 

Certified mail slip to BB & T XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX XXXX  XXXX ] XXXX XXXX is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.