23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Avant Credit Card company called me on Sunday, XX/XX/XXXX for possible fraudulent transactions on my credit card. The representative went over the transactions dated XX/XX/XXXX and I reported those transactions as fraud. My card was subsequently cancelled to restrict further use and supposedly a fraud claim was started for the fraudulent transactions ( or so I was told ). I was also given Avant 's phone numbers to call back to inquire about the fraud claims that were filed. 

On Tuesday, XX/XX/XXXX, I called Avant XXXX on XXXX. I spoke with a different agent and he went over all the transactions on my current statement, including approved and denied transactions on XX/XX/XXXX and XX/XX/XXXX. I told him that no transactions made on XX/XX/XXXX and XX/XX/XXXX were made by me. He then told me he had to transfer me to a different department to help with these fraudulent transactions. I then waited more than XXXX hour and gave up as the wait was ridiculous and it was already close to XXXX XXXX Time . My total time on the phone was XXXX hr and XXXX minutes and I was unable to speak with the correct representative. 

Today, Wednesday, XX/XX/XXXX, I called Avant XXXX again this time at XXXX starting at XXXX XXXX Time. I am still trying to reach the fraud department and I have been on hold for XXXX hr and 47 minutes as I write this complaint. 

Also, how do transactions continue to be attempted on my card if the card itself was cancelled on XX/XX/XXXX? And how does a credit card company leave a customer on hold for more than XXXX hr at a time without talking to a representative? 

I am trying to meet the deadline for reporting fraudulent activity on my credit card so I am not held liable for these charges. It seems that Avant is preventing me from meeting those deadlines and is not forthcoming, nor is doing the things they said they would, such as cancelling my card on XX/XX/XXXX as the representative had stated that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
tXXXX  account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the FCRA
Product: Payday loan, title loan, or personal loan

I applied for a vehicle Title loan on XX/XX/2022. I uploaded all the documents requested from the company the same day. 2 weeks went by and I didnt hear anything. Once you submit all the documents they state after the upload, they will be in contact within 24 hours. I never heard anything, so I called the company and spoke to a customer service representative named XXXX. XXXX stated I need to upload a new picture of my state ID. So I did and never heard back within 24 hours as stated on their site I would. After you upload all your documents it says we have everything we need we will be in contact within 24 hours. This is false advertisement. 

So I called back on XX/XX/XXXX and talked to customer service representative named XXXX. Great guy but he was covering his tracks. He stated my loan application has expired and they expire within 30 days. I never received an email or phone call by XXXX XXXX during these 28 days. They canceled my application early with no warning. XXXX wants me to reapply because they canceled my application early. Thats another hard inquiry on my credit report that will take 2 years to fall off. They are misleading consumers. 

Since they canceled my application 2 days early without notice or follow up. XXXX tells me that they cant except my vehicle because they think its used for commercial purposes. I dont have commercial insurance on the vehicle nor is it listed as commercial on the registration and insurance. They made this a go to excuse because they made an error by not keeping in touch with me and canceling my application prematurely. XXXX stated that they might change this policy and just to wait 30 days before reapplying. They should put this into a disclaimer before they run a consumers credit report. Stating a list of vehicles that they think are commercial vehicles. XXXX the first customer service representative I spoke with said it was fine. 

This company is trying to cover there mistakes by not following up with customers and misleading consumers applying for title loans on vehicles that theyre stating are commercial vehicles. These companys shouldnt lie to consumers like this. Just deny the loan application and move on. They still have all my personal information at their finger tips. All the documents I sent including drivers license, banking statements etc. They made the mistake and XXXX wants me to take another credit hit on my behalf because of their mistakes. Im considering legal action against XXXX XXXX. Dont use this company for your Title loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has lied to me over and over again. I reached out to them over 2 month 's ago now to resolve errors on my credit report that they are negatively reporting. The sent me a notice that bankruptcy accounts on my credit report were verified through XXXX however when I reached out to XXXX they said the accounts were REMOVED. I contacted this credit bureau again to confirm and they sent another notice saying the same thing. Not only was I LIED to about that.. I also asked them to furnish PROOF of the verification process and contracts baring my original signature for ALL negatively reporting items on my credit report. They have FAILED to respond to my request and is continuing to report negative things on my credit report. 

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be PROPERLY verified.

The law is very clear DISREGAURD as to my Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I contacted the original creditor for XXXX XXXX Account XXXX  XXXX who was unable to verify that this account was mine. This violates my rights because per 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. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY! 


I contacted the original creditor for XXXX XXXX Account number XXXX  XXXX who was unable to provide verification that this account belongs to me. Or Furnish my Wriiten consent to report any negative accounts to my credit report per 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY! 


Please be advised of my intentions to file a formal complaint with the Federal Trade Commission Due to the fact that I have contactedyou numerous times to PROPERLY investigate these inaccuracies negatively reporting on my credit report and you have failed to do so each time. I DEMAND THAT THESE ACCOUNTS ARE DELETED IMMEDIATELY!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX. I signed a reaffirmation that same month and the copies were sent to Wells Fargo Dealer Services. Wells Fargo requested the documents with the wet signatures from my attorney, XXXX XXXX. They were sent inXX/XX/XXXX and were received by Wells Fargo. My bankruptcy was discharged in XXXX XXXX and I began to check my credit report for accuracy. I disputed my Wells Fargo account because it showed that it was closed. I did this twice and both times, nothing was updated. I called Wells Fargo in XXXX and they informed me they never received the wet signatures, so the loan was included in the bankruptcy. I immediately contacted my attorney who did some research and according to XX/XX/XXXXthey did receive the wet signatures, but someone ( it 's not listed who ) determined the documents were not the originals and did not have the wet signatures. My attorney is requesting the documents be sent back to us to prove they are not wet signatures, but I am lodging this complaint as well as I believe my attorney did send the correct documents and we need to know who decided it that the docs were not originals. I pay on my car every month and I should have my credit report reflecting the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated fromXX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting a bankruptcy on my consumer report that is not accurate they claim they verified the information but how did they verify it and XXXX stated that the information was incorrect and the removed. So I would like to know how did the credit bureaus verify the information?
Product: Debt collection

This company Jefferson Capital System has reopened this account MANY of times. This a a debt that was actually supposed to have been paid by canceling a phone line with XXXX and XXXX XXXX XXXX was to take care of paying all closing costs this account is from anywhere from XXXX. The attempted contacts via phone have been ridiculous, this account should not have been reopened the multiple times it has been and should have dropped off my credit years ago. This is causing damage to my report and has become an issue when trying to better myself. Currently it was reopened XX/XX/year>, with a balance of {$1800.00}.
Product: Checking or savings account

I have been locked of my account. I was Citi credit card customer for almost 2 years and have opened Citi checking account and set up direct deposit. Right after money has been deposited, I was locked out of my account. I tried calling the bank but they cant verify me and sent a physical mail but I cant wait for the physical mail to arrive as I have this whole vacation planned and they locked me right before it causing me to cancel my entire vacation. This happened right before XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was in the process of purchasing a house. From XXXX XXXX  that day until about XXXX that day I was entirely busy. On XX/XX/year> I received an email notification from XXXX ( not the complaint ) that I had an Installment Loan inquiry from XXXX  XXXX. I spent about 2 hours on the phone with XXXX ( not the complaint ) and they removed the inquiry. I then called XXXX XXXX ( previously I had not been able to get into contact ) using a business phone number, and after about an hour of determining what had happened, we found out someone had applied for a Credit Card in my name. The XXXX  XXXX application number is XXXX. The contact number to confirm this information is XXXX option XXXX. I then on XX/XX/year> submitted disputes for both XXXX and TransUnion. I have received nothing so far from TransUnion, who has no option to dispute the inquiry itself online, and all phone service is overseas. XXXX, after less than 24 hours, has left the inquiry on the report, which tells me they did not do any due diligence in determining whether or not this was actually fraudulent. I just moved, so I have not been able to get a police report ( the police department I am in the jurisdiction of is 45 minutes away ). 

The inquiry should be removed from both the XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I book to my credit report transunion and found a hard inquiry on XXXX XXXX I did not recognize it I want to remove it
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute my inquiries from all 3 credit reports
Product: Credit card or prepaid card

Credit line opened at Bank of America in my name, I do not have a Bank of America account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times about this unlawful collection : Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX I explained why this collection is unlawful and they don't respond. 
I contacted the collection company directly VIA a XXXX  complaint because it is an unlawful collection. 
XXXX XXXX contacted the original creditor ( their client ) and got no response to my complaint. This is because the original creditor knows that the debt they are collecting is against the law and completely illegal. 
My XXXX  complaint is attached. On page 3 of the attached PDF, XXXX XXXX XXXX responded saying they dont have a response and have contacted the EQUIFAX to remove the collection from my credit report. 
All other credit bureau have removed this unlawful collection. But EQUIFAX still has not removed it. 
Please see attached pdf letter with XXXX XXXX XXXX response stating they have contacted all credit bureau to remove collection from my report. 
I DO NOT OWE THIS DEBT, you can see all the details in my XXXX complaint and XXXX XXXX  response on page 3. 
Response came from XXXX please remove this from my Equifax report it is hurting my credit and it is not fair this is a completely illegal collection. 
From : XXXX XXXXXXXX To : Consumer Sent : XX/XX/2023 Subject : Respond to Complaint We forwarded your dispute to our client for review but they have been unresponsive, so we have cancelled and returned the account to the original creditor. We are now asking the credit bureaus to remove this file from your history. Please allow the credit bureaus up the 30 days to make the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone purchased a vehicle in my name due to identity theft. The amount was {$18000.00}. I reported this information to be fraudulent and reached out to XXXX XXXX and all they did was raise the amount to {$19000.00} as of XX/XX/2022. Also another company XXXX XXXX XXXX XXXX  has kept an item that I disputed on my credit report due to this identity theft. It was open XX/XX/2022 in the amount of {$300.00}. I reached out to this company and all they did was raise it to {$470.00} as of XX/XX/2022. This isnt ok as I shouldnt be help accountable for someone elses actions. The credit reporting companies shouldnt be allowed to report false information thats due to the misfortune of someone stealing and using my identity
Product: Mortgage

I had a substantial loss of income and my current monthly expenses increased, exponentially. As a result of this, I fell behind on my mortgage and it became a snowball effect that I could not manage nor control. I have since then reassessed my financial situation and want to short sale my home to avoid even further financial disaster. My local congressman, XXXX XXXX, stated that I have a right to short sale my home to avoid foreclosure. My real estate agent, XXXX XXXX, has been working around the clock to find a satisfactory offer and will be submitting it to XXXX XXXX, today. I am hoping that with the assistance of this formal civil complaint, that I can have the short sale reviewed by someone in the XXXX of the XXXX at XXXX XXXX. I am a XXXX  citizen, over XXXX years of age, and I believe that to a degree, this is elderly abuse. I have tried to modify with XXXX XXXX for the past 5 years of my life but was asked over and over for the same documents and was passed from negotiator to negotiator, making no clear headway, ever. There is a sale date slated for XXXX XXXX, XXXX, which I would like postponed while my short sale offer is reviewed by XXXX XXXX.
Product: Credit card

XXXX XXXX is billing me for service that was canceled XX/XX/XXXX. I started new service with XXXX on XX/XX/XXXX. I didnt need two able TV services. I canceled y services with XXXX XXXX prior to my new service carrier XXXX  installed. I was in no contact or obligation to XXXX XXXX. I wont pay a bill for service I didnt have. Its a phone call to cancel and disconnect. They send no proof of termination of service. The new carrier give nothing to show installation or start date. 
Synchrony can credit this {$110.00} they allowed XXXX XXXX to rebill me on XX/XX/XXXX included in my current balance or I will pay my bill minus {$110.00} close this credit card out and we can go to court. I dont owe XXXX XXXX  and I wont pay them {$110.00}. 

After that you can close all of my accounts with Synchrony and I wont encounter this discrepancy again. 

I will be cutting up all of my cards issued by your bank. 
Bealls Walgreens Sams Club Lowes I will pay cash or use other payment methods
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app listen ( Block , inc ) due to inappropriate customer service and unfair practices, which violates the customer financial protection protection act ( CFPA ). Specifically, cash app failed to take take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and significant inconvenience and financial loss and I seek appropriate redress