23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I applied for loan with Avant, Inc. on XXXX XXXX, 2015. I was informed by Avant that I was approved for {$12000.00}. I provided all of the requested documents, and communicated by phone 4 or 5 times. I actually spent over 4 hours on hold between XXXX/XXXX/15 and XXXX/XXXX/15, and I was even disconnected on one occasion, after being on hold for nearly an hour. Avant 's customer service representative was kind and thorough in handling my questions, but there was n't any follow through from Avant. 
On XXXX/XXXX/15, I was informed my application expired, and a new loan application was activated. The new application was activated when I logged on to my account to check my status because a contract requiring my signature was on my screen, and I was n't able to navigate on my account, without signing the contract. I was not aware the contract was for a new application, and I was not aware my original contract had expired. 
Due to Avant being in possession of documents containing my personal and financial information, on XXXX/XXXX/15, I logged on to my Avant account to verify there had not been any activity on it. On XXXX/XXXX/15, I received an e-mail from Avant stating I applied for a loan on XXXX/XXXX/15, and it was declined. I did NOT apply for another loan on XXXX/XXXX/15, nor will I ever apply for a loan from Avant. 
Based on information I located on the internet, Avant is rated XXXX and a half stars out of XXXX stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive review. In my opinion, Avant was misleading, and their customer service was deplorable. In addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on XXXX/XXXX/15, when I did not apply for another loan. 
I e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial information. Although my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Me and my wife opened a mortgage account together. Dovenmuehle the loan servicer was originally reporting the loan twice on my personal credit report with XXXX. As DMI and as Dovenmuehle, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. DMI should be reporting to my XXXX credit report with the accurate loan information. Accurate information is now missing.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting two accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
Product: Debt collection

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting

It is that time for my daily complaint against Equifax. They are going past 90 days on the investigation and still can not get their information right. Equifax should no longer be allowed to be in the business of credit reporting.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of certain collection accounts, closed accounts, and paid-off accounts on my credit profile. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) 609 and 611, I am requesting an immediate investigation and deletion of these accounts as they are inaccurate, outdated, unverifiable, or no longer serve a purpose in being reported. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Status : Paid Off/closed Date Listed : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Status : Paid off/ Closed Date Listed : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Status : Collections Date Listed : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Status : Collections Date Listed : XX/XX/XXXX Failure to Provide Proper Validation ( FCRA 609 ) Under 15 U.S.C. 1681g, I have the right to request complete documentation proving the validity and legal enforceability of these accounts. This includes : A signed contract/agreement proving I authorized the debt. 
A full payment and balance history that verifies the accuracy of the information reported. 
Proof of the creditors legal right to report the account on my file.

If the credit bureau or furnisher is unable to provide the requested information, this account must be deleted immediately under FCRA 609 ( b ).

Unverifiable or Obsolete Accounts ( FCRA 611 ) Under FCRA 611, if an account is disputed and can not be verified within 30 days, it must be deleted from my credit report. Additionally, per FCRA 605 ( a ), most negative accounts must not remain on a consumer credit file for more than seven years. If any of these accounts exceed this timeframe or lack verifiable proof of accuracy, they must be removed immediately. 
XXXX. Paid Accounts Are No Longer Relevant ( FCRA & Fair Debt Collection Practices Act - FDCPA ) Paid-off accounts do not reflect a current debt obligation and, if reported with derogatory marks, negatively impact my credit standing unfairly. Continuing to report paid debts as negative items can be considered misleading and unfair under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). 

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

AmeriSave reported that my mortgage account has been paid in full and closed. However, under the Account Status, they noted " Derogatory '' and under Remarks they noted " Foreclosure Discontinued '' which has caused my credit score to drop over 36+ points and show up as a derogatory account. 

I am requesting that these remarks be removed and updated based on the fact that while I was under their forbearance plan, I submitted to their portal a complete Loss Mitigation application and all the requested documents within the timeframe they requested of me. While they acknowledged receiving my documents within the correct timeframe, my account was allowed to sit in their portal for months without a response from anyone as to whether or not they would offer me a workout plan and eventually the account was mistakenly sent over to their Foreclosure Dept. as if I was not responsive to the application requirements and the due by dates they gave me in writing. The account should have never been sent into foreclosure and it is unfair for my credit to suffer a derogatory status because of it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am having an issue getting my consumer report from Innovis. I want Innovis to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I contacted the feldloan today XX/XX/2019 and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the XXXX. I am calling many time but nobody answered.. the only I need they check that information and remove that
Thanks!
Product: Money transfer, virtual currency, or money service

I transferred money from Coinbase to GDAX around XXXX for trading, but when I want to withdraw the money they always have excuses to refuse me.
Product: Credit card or prepaid card

XXXX XXXX XXXX issues three credit cards to me : XXXX  Mastercard ( a general use card ), and two store credit cards, XXXX XXXX XXXX and XXXX XXXX. 

I earned a rewards secret for accumulated points on the XXXX XXXX XXXX card. The company sent notification that the certificate was mailed on XX/XX/XXXX. I received a mailing, dated XX/XX/XXXX, but it only contained my statement. I contacted XXXX XXXX Customer Service via XXXX XXXX XXXX to ask whether the certificate was mailed separately/ whether I should have concern that it did not arrive with the statement. The company would not respond to my inquiry other than to advise that I wait at least six weeks before contacting them with any questions. 

After the required waiting period, I again contacted XXXX XXXX XXXX via the XXXX XXXX XXXX. This time, I was informed that XXXX XXXX would not respond to me unless I contacted them via snail mail. I later filed a complaint with XXXX  because XXXX continued with unresponsiveness. 

XXXX responded to XXXX of Central Ohio that they would indeed provide the requested information. XXXX closed the complaint but, XXXX again refused to respond to me. 

Instead, the bank retaliated against me by closing all of my accounts without notice. They then proceeded to report to the credit bureaus causing damage to my credit rating. They also falsified notes on my account in efforts to justify their illegal actions. XXXX recorded in error that I requested " Cease and Desist, " stating they could no longer contact me. 

I never requested a cease and desist. On a recorded call, a XXXX representative confirmed that she had no record of my request. I made requests for available credit to be made available. I made multiple attempts, including the XXXX claim, for contact from XXXX XXXX XXXX. So, it is illogical that the Bank would record notes that I asked them to cease contact. 

Further, the reward certificate issue was explicitly related to one store brand account. However ; XXXX closed my XXXX Mastercard and XXXX XXXX as well, without request, consent or notice.
Product: Payday loan, title loan, or personal loan

They responded to the previous compliant that they have corrected the issue. This has not been down and they are falsely claiming it to CFPB and XXXX. They still have not provided the {$1200.00} and will not respond to my phone calls and emails. This issue is now over 75 days since the loan was applied for and 45 days since the financial discrepancy without any resolution. 

I am including a letter with my timeline of the issues and of the solution I expect at this point. Since XXXXUpgrade refuses to engage in any type of productive conversation or discussion other than telling me they are working on it and will call me. I have been hearing this for 30 days now!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Transunion does not properly investigate disputes and fails to remove. My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Vehicle loan or lease

From XX/XX/XXXX - XX/XX/XXXX I was charged {$89.00} per month for insurance coverage by Nicholas Financial. After providing documentation to the company showing that I maintained insurance on the vehicle during that period of time, fees for the insurance which had been applied to the principal amount on my loan were removed. I am concerned that the insurance fees totaling more than {$3000.00} affected the amount of interest that was charged on the loan.
Product: Checking or savings account

OVERVIEW : This complaint concerns both Chime and XXXX XXXX XXXX 

I was charged {$2300.00} by Chime to pay a bill via a paper check, but the bill was not successfully paid. The check was returned as unpaid due to a mistake by the check issuing bank ( XXXX XXXX XXXX ), which erroneously flagged the check as " Altered/Fictitous. '' Thus, the funds did not make it to the intended recipient, but after several weeks ( and multiple communications with Chime customer support ) the money still has not been returned to my account. 

DETAILS : I have a checking account with XXXXXXXX XXXX, which was opened through ( and is managed via ) the Chime app. 

On XX/XX/year>, I requested via the Chime app that a physical paper check in the amount of {$2300.00} be mailed to XXXX XXXX to pay an invoice. This full amount was immediately deducted from my checking account. The check was mailed and received by XXXX. 

My understanding is that Chime uses a service called XXXX XXXX to issue paper checks, and that the checks themselves are created and mailed by XXXX XXXX XXXXXXXX, acting as Chime 's agent. See attached document copy of check. 

On XX/XX/year>, XXXX deposited the check into their account at XXXX XXXXXXXX XXXX and the funds were delivered. 

On XX/XX/year>, XXXX received a notification from XXXX XXXXXXXX XXXX  that XXXX 's account was charged back the full amount of the check, plus a {$15.00} fee. The reason was that the check was " Returned as Unpaid '' because XXXX XXXX XXXXXXXX had flagged the check as " Altered/Fictitious. '' See the attached copy of the chargeback notice. This was obviously erroneous, as I myself had authorized the check, but the upshot is that XXXX is not in possession of the funds from this check, so I did not get any benefit from the {$2300.00} that Chime deducted to my account. 

I contacted Chime, detailing the problem as above, providing documentary evidence of the chargeback, and asking how and when the funds would be returned to my account. Ostensibly, the money is still with ( and perhaps never left ) XXXX XXXX XXXXXXXX. Despite repeated assurances from Chime customer support that they were investigating the matter, it has been several weeks and the funds still are not back in my account. 

In my view, it should be a very simple matter for Chime to confirm the erroneous " Altered/Fictitious '' flag by its agent XXXX XXXX XXXXXXXX XXXX and to return the money to me. It should not be a month-long process involving dozens of phone calls and emails, which is why I have lost confidence that Chime is both able and willing to remedy the situation, and I am now reaching out for help from the CFPB. Thank you in advance for any support you can provide in this frustrating matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the three credit reporting agencies ( EXPERIAN, XXXX XXXX, AND XXXX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the XXXXhree credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file. 

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that XXXX the information was blocked an error or a block was requested by the consumer in error, XXXX the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or XXXX the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc # XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXXXXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX
Product: Debt collection

I have told them to stop calling my work phone # and they continue to call it more than once a day.
Product: Credit reporting or other personal consumer reports

Subject : Removal of XXXX Account Number XXXX from Credit Report Dear CFPB, I am writing to request the immediate removal of the account number XXXX from my credit report. Despite repeated attempts to address this matter, the account remains unjustly listed, and I believe it is in violation of the Truth in Lending Act ( TILA ). 

The TILA mandates that consumers receive full disclosure of all terms and conditions when entering into credit transactions. However, in this case, full disclosure was never provided to me. As per TILA regulations, creditors can be held strictly liable for any violations, regardless of intent. Therefore, I am within my rights to rescind the loan and request the removal of this account from my credit report. Full disclosure includes making me aware that Im the one who extended them credit. Failure to do so constitutes a breach of contract. Hence, I urge you to remove this account from my credit report promptly.

Moreover, it is my understanding that every contract signed is considered a security, and funds should be deposited and transferred into my Treasury Direct Account ( TDA ). 

Furthermore, I wish to emphasize that contracts must be entered into between two living individuals, and full disclosure must be provided. Since these criteria were not met, I am requesting the voidance of the contract and the subsequent removal of the account from my credit report.

If the account is not removed within the next seven business days, I will be compelled to escalate this matter further. I will seek your indenture trustee and trustee information to facilitate the transfer of my past due securities and monthly securities to my TDA account.

I trust that you will address this matter with the urgency it warrants. Thank you for your prompt attention to this request.
Product: Credit reporting or other personal consumer reports

There is a zero balance on XXXX XXXX and it's been paid off over 7 plus years and it's still shows on my report even after I asked to remove it
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX Balance : {$490.00}