23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year>, I received a text message from XXXX XXXX saying " thank you for sharing your phone number with us ... ''. I have never opened any accounts with XXXX XXXX, let alone visited their website, so I immediately called them to verify that no accounts had been opened using my information. They asked me to provide them with some information to check, which I did and the representative confirmed the information was current and forwarded me to fraud, which was really just an XXXX robo call. My credit is usually frozen, but the robo call representative had me freeze my credit. This alarmed me that perhaps my credit was not frozen. I checked with all 3 major bureaus and my credit was indeed frozen, I had to call XXXX to freeze my credit over the phone because I was having trouble logging into the website to check to see if it was frozen. I then proceeded to place an Initial Fraud Alert on my credit with all 3 major bureaus. I checked my credit reports on XXXX XXXX XXXX  and no new inquiries were shown. 

XXXX XXXX XXXXXX/XX/year>, I got a call from XXXX XXXX regarding " my account '' with them. I asked what account they were referring to and they said a XXXXXXXX XXXX  store credit card. I now knew what my credit was being fraudulently used for. I informed them that I did not open this account and asked if they could close it. They said they would close it and would file a report to initiate an investigation, which would take 60-90 days. This put me on edge a little bit, especially because I RARELY go to XXXXXXXX XXXX unless I am dropping off my XXXX packages for returns. 

When I got home from work and line dancing that evening, I immediately went to check my credit report again for all 3 major bureaus. I finally was able to reset my password for XXXX on my XXXX, their mobile website doesn't work apparently. Low and behold ... XXXX showed not only 1 new inquiry I didn't recognize, but 2! An inquiry from Synchrony Financial on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It was too late to call, but I was stressing about it. 

This morning, XX/XX/year>, I called Synchrony Financial and explained the whole identity theft situation. They told me an application was put in with a furniture store, the exact name was not disclosed and I didn't think to ask, and that it was pending and had not been approved. They cancelled the application for me and asked if I went by another name, to which I responded no because I never have. The representative informed me that my middle name was on the application and asked if I recognized it. As it is my middle name, I responded yes. The representative was very kind and filed a report to have the inquiry removed from my credit report and informed me it would take 60-90 days for it to be removed.
Product: Debt collection

Spring Oaks Capital that bought an alleged account with XXXX Bank has put an account on my credit file that does not belong to me. I have never received a dunning notice or a letter stating that I owe this debt. According to the FDCPA a creditor must send a dunning letter and allow the consumer to respond within 30 days. On XX/XX/2021 I sent a debt validation letter and asked that they send me proof that the debt belongs to me. They received the certified letter as of XX/XX/2021. As of XX/XX/2021 they have not responded.
Product: Credit reporting or other personal consumer reports

Reported balance {$500.00} Actual payment amount Date of last payment XX/XX/2023 Past due amount {$38.00} Account status Not more than three payments past due Date reported XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX Balloon payment date Date of first delinquency XX/XX/2023 Balloon payment amount Amount past due {$38.00} Date of major delinquency reported Comments Secured Fixed Rate
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. 

XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) : # 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 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 reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. In violation of the Fair Debt Collection Practices Act. I do not
know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a home equity loan on about XX/XX/2022. The balance was just under {$2800.00}. After the balance was paid off, the bank, XXXX XXXX, charged me interest on {$0.00} in the amount of {$4.00}. I didnt realize this, assuming I had paid off the balance and owed no more. The {$4.00} incurred a late fee of {$0.00} and two weeks later this was reported to Transunion who the dropped my credit score by XXXX XXXX for a late payment. I believe this looks nothing like a fair credit report for me. My score was XXXX, Ive had a mortgage for 13 years with no late payments, I took out a second mortgage, all utilities, car payments, two mortgages, all paid on time. Always. Its all on autopay. But now, my bank charges me a strange maintenance fee on a paid account and a month later my score is destroyed. How is this a fair portrait?
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX.
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.
Product: Credit card or prepaid card

On XX/XX/22 about XXXX DigniFi contacted me about my past due account. I was advised that the call was an attempt to collect a debt and that the call was being recorded. I advised that I did not want the called recored, when I was told that the call had to be recorded I explained that Maryland is a XXXX party consent state where both parties have to agree to the call recording. I re-affirmed that I did not want the call recorded. Dignify continued to record the call after I told them numerous times not to record the call. I asked to be connected to someone who could talk to me without recording the call and was told that its not possible. Again by state law Maryland is on of 11 states that requires both parties to consent to recording and again I clearly advised that I did not consent to recording.
Product: Credit card or prepaid card

I notice on XX/XX/XXXX, that US Bank were charging an Annual Fee, the Bank claims my card has annual membership fee {$49.00}. I contacted bank regarding such fees. I stated, I show no record of signing any such agreement with US Bank. I requested a copy of original credit card application executed on or about XX/XX/XXXX, the banks representative refuses to provided copy of same with my signature demonstrating the terms and condition I agreed regarding such fees for {$49.00} Annual Fee. I stated all my current cards are no fees, I requested to speak with a manager or supervisor, the representative refuse claiming she is the manager. I would never agree to a credit card terms and condition with annual fees. Such terms should be disclosed in writing on the credit card application or promotions.
Product: Checking or savings account

On XX/XX/2021 I deposited a check for {$3000.00} into my American Express National Bank High Yield Personal Savings Account. The check was written from the XXXX XXXX XXXX account of XXXX XXXX XXXX XXXX and was payment for freelance work. The check cleared and the funds deposited, but then on XX/XX/XXXX the deposit was rescinded and my interest deducted from my account. AENB claimed the deposit was a duplicate and the check had already been deposited at another institution. Since receiving the check, it has only ever been in my possession and I have only ever deposited it once. American Express claimed XXXX XXXX XXXX initiated the return and that my client needed to get documentation from them. 

I asked my client at XXXX XXXX XXXX XXXX  to talk to her Bank and they provided her with documentation that the check had cleared their account on XX/XX/XXXX and deposited into an American Express National Bank account, including check images that matched my endorsed and deposited check. There is no record that those funds were being returned to the XXXX XXXX XXXX account, despite American Express insisting the funds were being returned to XXXX I provided the documentation to American Express with no response. Moreover, their insistence that the funds were being returned in XXXX business days has not materialized XXXX weeks later. As of now, XXXX XXXX XXXX XXXX does not have the {$3000.00} in their account, nor do I have it in mine. 

Twice I've been assured by American Express that my issue would be escalated to a supervisor, but in XXXX weeks I have heard nothing. Again, I have not deposited the check and the original is still in my possession. While XXXX  has been responsive with the documentation they have, AENB has not and I am still missing {$3000.00}.
Product: Student loan

I have contacted EdFinancial numerous times in refunding payments made to my federal student loans ( due to the Cares Act refund policy ) and have the balances to those payments reinstated reflected on my account. There are 2 separate payments of the amount for {$3500.00} and {$1600.00} both made on XX/XX/2021. EdFinancial seems to be the only lender that has been completely unhelpful in the process of refund while others are reflecting a much quicker lead time.
Product: Money transfer, virtual currency, or money service

They close my account for no reason I would use the services they provided and I had a balance on it never received it and also I had XXXX and to do taxes they said my account didn't exist I called several times and they would never give me answers or they would deny I had an account thank you for your services
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a fraudulent claim with Navy Federal Credit Union ( Confirmation Number : XXXX ). As of XX/XX/2023, no progress has been made from Navy Federal investigation and it has been over 90 days without a resolution. Their records will show that I spoke with the fraud department on XX/XX/2023 and XX/XX/2023. XX/XX/2023, the rep submitted a request to expedite the process.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted proof to XXXX  on more than one occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Product: Credit card or prepaid card

Due to the Covid-19 virus, I lost my job and filed unemployment.I thought i would receive my card within two weeks and it has been almost one month.I have money on a card i have never received.I have contacted the number on the back of a card my friend showed me he has and i can't get in touch with anyone.It would be easier if the unemployment office i have been directed to a few times would actually answer, but that will not happen due to over 13 million people having the same issue in the state of Tennessee.
Product: Credit card or prepaid card

XX/XX/XXXX I paid XXXX XXXX XXXX {$1000.00} using Capital One credit card ending in XXXX for the trip to XXXX ( for myself and my friend ) for the following dates XX/XX/XXXX - XX/XX/XXXX. The travel agency ( XXXX ) canceled all the trips to XXXX because the country got closed due to the COVID19 pandemic. I contacted the owner of the travel agency, XXXX XXXX, who never responded to my numerous emails and phone calls. I planned to get the money back for the following reason - I paid for the service that had never been provided. Six months later she responded ( all correspondence was in XXXX since we both speak the same language ) that the company would provide a one-year credit, which we do not need since we will not be able to visit XXXX due to medial issues ; moreover, the country is still closed for US travellers. 
Then, I decided to dispute this transaction with the bank ( Capital One ). Unfortunately, they declined my request with the following explanation, " ... we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I got two similar responses from Capital One : XX/XX/XXXX and XX/XX/XXXX ( the case number is XXXX ). 
I did not give up and tried to contact he owner of the travel agency, XXXX XXXX, who was ignoring my phone calls to XXXX and emails. 
The XXXX agent recommended I contact you to further assist me with this dispute - I will reiterate : I paid for the service that has not been provided and due to the pandemic issues world-wide in general and in XXXX in particular, I do not plan to visit XXXX. 
Please assist me to get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report Experian on XX/XX/2021 with a few unauthorized accounts still showing on my report after several letters have been mailed to you!! I am enclosing a copy of my credit report with the incorrect data highlighted. I have also included court documents that shows that the XXXX account has been dismissed! Why would this account be dismissed if the account was accurate! XXXX has sent me a letter stating that it is a fraudulent account and requested that you update my credit report. I attached that letter creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. 

I have also enclosed a copy of the letter for you to review. I also have an account showing on my credit from XXXX XXXX XXXX that you report stated was verified from the company. Before contacting you, I reached out to them also and they sent me a final bill. I informed them that they are breaking the law and I hope that you have not taken that same bill and verified my debt. According to the FCRA 15 U.S. Code $ 1681a ( 3 ( e ) it clearly states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know where did you go to verify this debt OTHER than XXXX XXXX XXXX. 

If you don't remove these false accounts, then you will be held liable, and I will take further legal action to ensure that I am monetary compensated for all the stress and denials that I have received due to this false reporting. My children and I don't even have a decent place to live because of these two accounts and I need them removed immediately. This is my fourth attempt to get these false accounts deleted from my account. I know that you have received my letters because I have also included in my attachments where one of your representatives signed for the mail certified. 

Please take the time and read through my documents and send me legal proof of why these items are still showing on my reports. Thank you for your time and help in
Product: Credit card

Signed up for XXXX credit card from US Bank a few Months ago. Benefits included " Bonus Award Nights -- When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. '' Shortly after I received this card/account, this benefit was revoked. This constitutes a bait and switch tactic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  inquiry on XX/XX/year> i didnt Recognize it think not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX