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

I have 2 issues with Avant Credit card accepting and processing payments.

1. I used my banks bill pay for a {$160.00} payment to Avant. The bank mailed a physical check that was processed by Avant on XX/XX/XXXX and the funds were removed from my bank account. I called Avant on XX/XX/XXXX and I was told the funds were received but would not reduce my available credit until XX/XX/XXXX. I payment made 2 weeks earlier using my same bans bill pay was received and processed in 2 days but because the next bill pay is {$160.00} they are holding it for 7 days. 

2. My current balance on my Avant credit card is {$76.00}. I attempted to make this payment using the Avant website and it will not allow me to make the payment. The error is that the amount it too much. I called in 2 times and I was told by both Avant employees that I can only make a {$40.00} payment using the website or over the phone. I asked to speak with a supervisor and was told they would be unable to assist me. After asking a few times I did speak with a supervisor who was not sure why I could not make a full {$76.00} payment. This credit card company charges interest based on a daily balance. It appears they are refusing to accept full payments so they can collect more interest. Who knows how many people do not understand this and are taken advantage of by Avant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Placed a call to Experian, also mailed Experian and this is my second CFPB complaint regarding inaccuracies being furnished on my credit report that need to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All incorrect address that are not XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX, all invalid phone numbers that are not ( XXXX ) XXXX XXXX, all incorrect employers that are not ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and specific collections & closed account reporting inaccurate information, I was advised these items would be deleted in XXXX days, I was also told that a dispute was not filed but a request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Experian is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charge off accounts, collection accounts, incorrect reported invalid addresses, employers, phone numbers, incorrect spelling of names, to be removed from my credit report per federal law. I can provide the confirmations numbers from the call as well as recordings, not only are these companies violating our rights they are lying in our faces!
Product: Consumer Loan

I have a Volkswagen Jetta XXXX XXXX. When I got the car XX/XX/XXXX the car was having problems with the transmission. I took it to a dealer and they checked to see if I needed oil, or a new transmission. The guy that looked at the car had said the car was n't worth the money that I was going to put into it. I called the place where I got the car from which is XXXX XXXX XXXX. I spoke with the owner, I told him just what was told to me. The owner response was its nothing he could do about it because it was included in my 90 day warranty. My warranty was still active. I called Credit Acceptance and asked them what to do. They told me it 's nothing that they could do. I continued to pay on my car. I still drive the car because that 's the only transportation I have to and from work. It 's been two weeks today XXXX XXXX XXXX since I 've drove my car because it wo n't crank. It wo n't do anything. I had spoke with Credit Acceptance again and they told me that we could work out a way for me to make my car payments. I told them I could I pay on something I ca n't use. It 's been very stressful and just nerve wrecking not being able to work how I 'm supposed to.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Request for Investigation of XXXX XXXX  Account : XXXX  To Whom It May Concern, I am formally requesting an investigation into the accuracy of the information reported on my credit file regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account XXXX. This account is currently listed as a charge-off, and while I understand that charge-off accounts can remain on a credit report for up to seven years, it is still required by law to be reported accurately and verifiably under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ).

Please conduct a thorough investigation to verify the accuracy of this account with the original creditor. If any details are found to be inaccurate, incomplete, or unverifiable, I request that they be corrected or removed from my credit report as required by law. 

As outlined in the FCRA, this dispute must be resolved within 30 days of receipt. If the disputed information can not be verified within this timeframe, you are legally required to delete it from my credit report. 

Please provide me with a written response detailing the outcome of your investigation and supply an updated copy of my credit report if any changes are made. I appreciate your prompt attention to this matter.
Product: Mortgage

Carrington is saying that I'm {$2500.00} past due. I know this isn't true I have been under bankruptcy protection for 51 months and I have never missed a payment. From reading the complaints on their XXXX  record other homeowners say keep your payment receipts and bank statements. I have done all that since Carrington took over my home lown. My payment has changed to {$560.00} and I just paid that and they are showing that payment on my mortgage statement. I keep all mortgage statements and bank statements so they can't say I'm not paying my payment. I am worried when my bankruptcy ends they will try to foreclose on my own even though I am making my payments. I was making my payments with XXXX  XXXX XXXX had my loan but they weren't applying the payments because they wanted to wrongfully foreclose on my own and were in the process of foreclosing on my home even though I was making my payments. Which Is why I had to file bankruptcy to save my home.
Product: Credit card or prepaid card

After getting approved for a spark credit card they abruptly shut down my card without giving any explanation. When asked what will happen with my XXXX $ in rewards I had left they assured me Ill receive a check within 1-2 weeks. It has now been 6 months and when I call they say they are not allowed to talk to me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX. TRANSUNION XXXX XXXXXX/XX/XXXX XX/XX/XXXX. TRANSUNION XXXX XXXX XX/XX/XXXX. TRANSUNION XXXX XX/XX/XXXX. TRANSUNION XXXX. XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX. TRANSUNION XX/XX/XXXXXX/XX/XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX. TRANSUNION XXXX XXXX XX/XX/XXXX. TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX. XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XX/XX/XXXX XX/XX/XXXX TRANSUNION
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXX XXXX account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : TransUnion : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " Paid, '' but the late payment notation is not supported by my payment history. 
XXXX : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the three bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX  account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ).

Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within 30 days. 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

CREDIT COLLECTION SERV # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.
Product: Credit reporting or other personal consumer reports

Due to Experian credit report data breach, fcra section 605b it is illegal to report anything on my credit report without my permission please remove accounts as listed
Product: Checking or savings account

My payroll check was deposited on XXXX and as of today I have not received my money I have no food, toilet paper and can't pay loan or lights and my mother is on a oxygen machine please respond ASAP I live paycheck to paycheck and I work for it so please help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XX/XX/year> An apartment I applied to used appfolio to do my background check. XX/XX/year> It has old information that no longer applies/ needs to be updated. As in my credit history, address, employment. I recently got deined because appfolio report said I didn't have any credit when I do. I've had my car for 5 years and paid it off with no missing payments. My credit score is XXXX. Please updated it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 4. XXXX XXXX XXXX Account NumberXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting a query with my personal information which I do not recognize.
Product: Mortgage

CFPB, On XX/XX/2022 The matter with Navy Federal has not been resolved, so have yet to seek justice but still being discriminated against as it relates to my handicap disablement to be able to purchase a home as a first time home buyer protection under the EQUAL CREDIT OPPORTUNITY ACT ( ECOA ) without being discriminated against while being able to receive income form any public assistance program.

I am still not being heard and considered being able to use my reasonable accommodations being able to have proper time under the Americans of Disability Act ( ADA ) but have been continually violated not to ne able to use extension of time and provided with the same information and process equitably like other members who have gone through the First time Home Buying of the Home Buyers Choice process with low rates a follow through of policy & procedures step by step and instructional copies of loan documents without running my credit serval times and then charging me several fees providing me with no Closing Worksheet Estimate or Good Faith Letter of actual true cost using the formula and timeframe from the date of the new application Navy Federal stated in response to complaint even closing the complaint due to me not complying to their suggested time to process. 

This would be a second email letter submitted to me via email on XX/XX/2022 at XXXX XXXX  ( XXXX ), following up with a demand to respond within 24 hours still not providing a commitment to lend and still obsess with running my credit again a third time a now third attempt and tactic to pull my credit down charging me another credit application fee of {$20.00}. 


I have also attached a written letter I am requesting to submit to the President/CEO of Navy Federal Credit Union XXXX XXXX XXXX now inform her of the discrepancies and discrimination I have incurred. 

This is my final submission to seek for this yo be resolved for the stated resolutions submitted within the <attachements>. 

This acts are illegal and I am requesting a review on my behalf from the CFPB whos role in this matter is to make sure that I am being treated fair by banks, lenders and other financial institutions.
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. 

Here are the inquiries on my Equifax : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  # XXXX XX/XX/XXXX These are the fraudulent inquiries on my XXXX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint for a company by the name  XXXX XXXX XXXX XXXX XXXX . 
A XXXX XXXX Company XXXX XXXX XXXX XXXX # XXXX, XXXX, KY XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX Phone I have been contacted by this company and NO LONGER WISH TO FILE THIS COMPLAINT THIS MATTER HAS BEEN RESOLVED. 
Please remove the complaint Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank account ending in XXXX had been overdraft about {$1.00} and it was withdrawn about {$79000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fait Credit Reporting act XXXX account XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2022 item XXXX XXXX. collector was removed off my account from the credit bureau Equifax. it is illegal for credit bureaus to put negative items back on your report once it has been deemed unverified or inaccurate. this account has not been properly verified. Equifax has failed to comply with federal regulations by credit reporting agencies. I was not given no evidence of my obligation to pay this debt to this collection agency.
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Debt collection

I am not liable for any debt with SOUTHWEST CREDIT SYSTEMS. I do not have contract with SOUTHWEST CREDIT SYSTEMS, they did not have my permission to obtain my information. They have committed a fraud by obtaining my information without my consent.
Product: Money transfer, virtual currency, or money service

coinbase has blocked my money for XXXX years with no response they did not respect the XXXX XXXX XXXX XXXX XXXX. 
they cheat on the XXXX XXXX  and they sold me a title according to the XXXX judge
Product: Payday loan, title loan, personal loan, or advance loan

Deception in sales practices. Interest not fully refunded as promised. Additional loan products not thoroughly explained before employees added to loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

University of XXXX  has continued to report negative information in my credit file. They have failed on many attempts to provide validation indicating that this account belongs to me. Furthermore I received notification from XXXX XXXX and equifax that the account has been removed from my credit file; it’s still showing on my credit report. This account needs to be removed from my entire credit file.
Product: Mortgage

My home was foreclosed on as my husband was unwell and passed away and I could no longer pay the loan on one income.

I was supposed to have a weekend to complete removing my belongings but Iwas padlocked out that XXXX  XXXX.They had my water and electric turned off even tho I had arranged for them to stay on so I could clean up.Several of my XXXX  and one XXXX XXXX XXXX along with furniture, paintings and other belongings were left behind. 
I lost so many precious things and was treated terribly by Fay Servicing. I did not know who to contact and if it would do any good
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through XXXX, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX XXXX ( Bank ) ON XX/XX/2023, XXXX CARD SERVICES ( Bank ) ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX CARD ON XXXX AND XX/XX/2023 AND XXXX XXXX ON XX/XX/2023.