23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has inquired information on my credit report that has resulted in hard inquiries being reported to the credit bureau. Resulting in a decrease in my credit score. They have no written permission to do so. They have done the same for my husband and don't have his information at all. I'm not sure how they are able to run his credit or mine without written authorization.
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 168b permissible purposes of consumer reports. 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card or prepaid card

On or about XX/XX/2022, I received a call from an Avant representative regarding my late payment from XX/XX/2022. I explained to her that I had been very sick and was still sick in bed. The representative was nice and she offered to waive my late fee since I was sick, which I thought was very nice of her. The representative stated that when I was able to call back in a couple of days, the fee would be waived. 

I called back in a couple of days to make my payment and requested the late fee to be removed as the representative stated would be done. Instead of doing a credit while I was on the phone, they put in a request, which I received an email a couple of days later stating that the request was denied. I called back to inquire as to what was going on and no one seemed to have the basic comprehension or basic understanding of banking principles, that they were obligated to uphold what was offered by the representative to the customer. 

The misrepresentation from the Avant customer service team appears to be very unprofessional and highlights that they are untrained in basic consumer affairs regulations and principles as well. 

It is against basic banking principles and consumer affairs regulations, to misrepresent offers and or services to the customer. 

This has gone back and forth with them for a month and they were also warned and informed not to report the account 30 days late to the credit bureaus, since it is under dispute, which they did, in violation of the FDCPA and other regulations. ( Which again, they appear to not have any understanding of ) I have recently called to close the account and notified them that I will be handing the matter over to legal counsel to review my credit report for reporting violations and banking ethics violations. 

I will ask counsel to file suit in the XXXX of Virginia, asking for damages and remedy for the above banking and consumer affairs ethics violations. I will be seeking the maximum {$5000.00} in civil court damages as well as being responsible for all legal fees. 

This started out as a very simple late fee issue and has been turned into a mess by your associate company Avant. To me or any other customer, removing the late fee as offered and promised by their fellow employee, is and was just the point of the matter. 

In an email that they sent to me, someone tried to gloss over the fact of upholding the representative 's offer and promise, with gibberish from the basic cardholder terms, further insulting my intelligence, because the basic cardholder terms, had nothing to do with the offer and promise by the representative. 

They mentioned XXXX in a response to me, which again was written by someone who failed to address the correct facts of the matter and which only made you a party to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX XXXX on XX/XX/22 XXXX, at XXXX XXXX XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Credit reporting or other personal consumer reports

XXXX Heard about Equifax Data Breach that happened in XXXX - XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted Identity Restoration Services, please call Experian at XXXX and provide engagement number XXXX. The data breached was Social Security numbers, birth dates, addresses and drivers license numbers. ON XXXX RECIEVED A NOTICE OF DATA BREACH FROM XXXX XXXX, THE DATA BREACH INCLUDED Health insurance information, Social security, drivers license, medical records and banking information. Upon pulling my XXXX full credit reports I saw lots of accounts i did not request or sign up for. Also saw lots of inquiries I did not apply for. 

Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$390.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$680.00} Credit Card Opened by the Thief XX/XX/XXXX, XXXX XXXX  XXXX https : //www.identitytheft.gov/dashboard XXXX Fraudulent Information on Credit Reports Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$370.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1000.00} FTC Report Number : XXXX  15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

My information was exposed in 2 data breach 's and this information must be removed.
Product: Debt collection

Debt not mine. Ive asked over and over to validate and never do they
Product: Debt collection

Accelerated Inventory Management LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX is trying to sue me for a debt I don't owe them. They have no provided any source of debt validation. According to my credit report, I have a perfect payment history with the company they claim to be collecting debt for. They are not allowed in operate in my state and are using a law firm to scare me into paying them. This harassment needs to stop! They need to provide some kind of proof which they have not. They have violated my rights. I plan to counter sue them for their false claims and damages.
Product: Credit card

I made a purchase using my XXXX XXXX  account for XXXX XXXX. This was a service that provided automated trading for which they offered a XXXX  day money back guarantee if I failed to make money. The cost was {$9900.00}. 

Over the XXXX  days, I ended up losing $ XXXX on an initial investment of $ XXXX. The company was stonewalling so I filed a dispute on my card as I knew or at least thought I was protected. 

I was told I had XXXX  days to file the dispute and did exactly that. I sent all info in supporting the dispute timely. After a couple weeks, I finally received an email in my junk folder ( no call ) stating some of the attachments did not come through.. I replied to the email timely with all the attachments and asked them to please call me if they had any questions. I also sent the same info back to a separate dispute email to ensure they had it. 


A few days later I received an email stating the attachments did not go through, so I sent once again and once again asking for a call. A few days later I received the same email again so this time I printed everything out, scanned all the documents and reset. 

A few days later I received an email from XXXX XXXX  indicating they were issuing a full refund for {$9900.00} ( what I paid ) so I assumed the dispute was settled as I sent all documentation supporting the XXXX  day guarantee, proof of my loss, and conversations with XXXX XXXX. 

Yesterday I called Citi to confirm and was told that my dispute was closed as time elapsed. I asked why I was told I had XXXX  days and that the delays were on XXXX  side. I further explained that no one ever called me even though I asked several times. I asked to speak with someone and was told the investigation teams do not take calls. They would not even help me after I said I received an email showing a credit was issued and all they said is it could take time I am at a loss due to this blackhole of misinformation and lack of communication and may be out {$9900.00} due to XXXX  lack of transparency and urgency.
Product: Credit card

I reviewed my credit report and noticed 2 unauthorized credit Inquires on my report. I never requested credit from these companies. 

This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry viaFCRASections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, Iwould like it removed immediately. 

XXXX XXXX ( Bank ) XX/XX/XXXX This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry viaFCRASections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, Iwould like it removed immediately. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry viaFCRASections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, Iwould like it removed immediately. 

SYNCB/AMAZON ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, XXXX  is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Equifax has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed
Product: Mortgage

House on market XXXX/XXXX/15. Offer submitted and counteroffer extended on XXXX/XXXX/15 after I saw the pre-approval letter. Counter offer accepted on XXXX/XXXX/15 with a 45 day escrow so was to close on XXXX/XXXX/15. The house appraised at value and it passed inspection on or about XXXX/XXXX/15. XXXX/XXXX/15 my realtor thinks docs should be pulled soon. XXXX/XXXX/15 hear from realtor that buyers have to refile taxes with IRS but was done 2 weeks prior so should still close on time or sooner. I move my belongings to storage on the XXXX. XXXX/XXXX/15 am told we will have to file an extension wrong form received then told no just not gotten form yet. So we extend to XXXX/XXXX/15. In all we had to extend this 4 times each time being told it was just one more piece of paper and it would close. First we get the transcript after waiting 5 weeks, then its the wrong one so wait another 2, now we get final approval but no clear to close as the original appraisal is over 45 days so new one ( ends up being three ) is less and I am told sign for new amount or no go and start over ... so I agree within 40 minutes of getting this information and still no close. Its Friday so we have to wait now until monday but then monday is a holiday so we hear that it will be wednesday XXXX/XXXX/15. that comes and goes and still nothing. Now the story is they are waiting on the appraisal hard copy. It finally closed on XXXX/XXXX/15. 84 days/12 weeks later than it started. I lost {$1500.00} on the deal, had to pay for additional mortgage, utilities, credit payments, storage all because of the lender XXXX XXXX, at PrimeSource in XXXX, California. So essentially, I lost over {$3500.00} in this deal. I kept going because it was only one more thing and I was ill and needed to sell house. Until XXXX/XXXX/15 all was going well but thereafter it became a pattern of not hearing from PrimeSource..so if you could reach them on Monday you would get told a situation, then nothing until thursday when the situation was different than was told on Monday and you now think we are making progress and then its Friday and oh yeah its going to go and then by XXXX on Friday oops sorry not today. and over and over it went. I feel this lender is inept and quite frankly unethical at the very least he does n't know what he is doing. I looked him up on XXXX in CA and there was a story on there from XXXX from XXXX of this year and it was almost word for word what was happening to me. Being the seller in this case was tough ca n't imagine what it was like for the buyers. Please address this issue with this lender PrimeSource and XXXX XXXX to prevent other people losing money. I did complain to PrimeSource and the very next day the loan got cleared to close coincidence I think not ...
Product: Mortgage

I AM BEHIND IN MY MORTGAGE SINCE XXXX I WAS SENT A DEFAULT LETTER BY SPECIALIZED LOAN SERVICES ( MY LENDER ) IN  XXXX, WHEN I GOT THE DEFAULT LETTERI IMMEDIATELY SENT SPECIALIZED LOAN SERVICING A CHECK FOR THE 3 MONTHS I WAS BEHIND, SLS SENT BACK CHECK WITH A LETTER STATING THEY ARE NOT ACCEPTING THE CHECK BECAUSE IT IS PAST 90 DAYS PAST DUE. I IMMEDIATELY HIRED AN ATTORNEY ( XXXX XXXX XXXX. ) TO PREVENT FORECLOSURE DEFENSE.IT HAS BEEN OVER 2 YEARS AND MY AREERS HAVE KEPT GOING UP AND THE HOLE HAS BEEN GETTING DEEPER, AS THE LENDER SLS REFUSES TO DO A LOAN MODIFICATION, HOPING TO DRAG THERE FEET LOMG ENOUGH SO I CANT CATCHUP AND THEY WILL FORECLOSE ON MY PROPERTY.I AM XXXX XXXX XXXX   XXXX AND CANT WORK, I RECEIVE XXXX PENSION FROM THE XXXX, SOCIAL SECURITY XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX. I WAS ADVISED TO REACH OUT TO A COMPANY XXXX AND THEY HAVE A PROGRAM ( MAP ) THAT HELPS WITH THE AREERS I DID AND SHOWED THEM MY INCOME AND WAS APPROVED FOR {$80000.00} PLUS I HAVE {$20000.00} SET ASIDE TO INJECT TO EQUAL A {$100000.00}, SO I TOLD MY ATTORNEY ON XX/XX/XXXX TO OFFER THE LENDER {$100000.00} AND I WILL BECOME CURRENT ON MY MORTGAGE ND I WILL START PAYING MY MORTGAGE AGAIN. THE LENDER TURNED DOWN THE OFFER OF THE {$100000.00} STATING IN A LETTER TO MY ATTORNEY THAT I OWE {$110000.00} IN AREERS AND THEY WANT THE FULL AMT. NOW THAT IS A DIFFERENCE OF {$12000.00}. THIS LENDER SLS HAS A COURT DATE WITH MY ATTORNEYS ON XX/XX/XXXX, WHY WOULDNT THEY ACCEPT THAT OFFER WE ARE DOING ALL THAT WE CAN DO AT THIS POINT THE LENDER IS NOT. THE MOST MAP CAN GIVE IS {$80000.00} AND THE MOST I HAVE IS {$20000.00} I FEEL THIS LENDER IS NOT COMPROMISING AND TRYING TO WORK OUT MY MORTGAGE SO I CAN STAY IN MY HOME. I HAVE TO AT THIS POINT TO KEEP MY HOME I HAVE NO OTHER CHOICE BUT TO FILE BANKRUPTCY IN FEDERAL COURT, AS I DONT WANT TO, AND THE FACT IS I HAVE GOOD INCOME, BUT BECAUSE OF THE LENDER TURNING DOWN MY OFFER OF {$100000.00} TO NOT EVEN MOTIFY THE MORTGAGE JUST TO PAY THE AREERS THAT IN MY OPINION DRAG THERE FEET CAUSING THE AREERES AND ADJOURNING THE CASE AND THE MORTGAGE GOT STEEPER AND INTEREST GOT HIGHER AND HIGHER, IT WAS THE LENDER WHO CAUSED THIS AND NOW I MAKE AN OFFER TO FIX THIS {$12000.00} THEY REFUSE IS UN-HEARD OF AND THIS IS WHY I HAVE TO FILE A CHAPTER XXXX BANKRUPTCY BECAUSE THE LENDER DOESNT WANT TO WORKOUT THIS MORTGAGE. I TRIED BUT THEY HAVE NO DESIRE TO ASSIST IN THIS MORTGAGE THEY WANT TO FORECLOSE AND I HAVE TO KNOW FILE A CHAPTER XXXX TO KEEP MY HOME.
Product: Credit card or prepaid card

XXXX CLOSED I filed a complaint against Capital One credit card. They continue to pilfer money from my acct. The case # above is the complaint I filed. You ruled in their favor saying they didn't owe me {$80.00} BUT -- -- -- when they investigated they did put back {$80.00} into my acct and sent me a letter apologizing for the fraud. 

With that being said, I'm sending you screen shots. They reimbursed me {$80.00} but they did not reimburse me {$48.00}. That is the amount that was missing when I made a payment of {$200.00}. 
AND -- -- - a few days ago, XXXX refunded me {$53.00}. That too was not put back into my available credit, nor was it taken off what I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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

I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Credit reporting or other personal consumer reports

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Product: Checking or savings account

On XX/XX/year>2025, I received a letter from Wells Fargo confirming an {$800.00} electronic payment scheduled from my XXXX XXXX XXXX Bank account ending in XXXX to a Wells Fargo credit card ending in XXXX. I did not authorize this payment, and I do not own any such Wells Fargo account. 

I immediately called the number on the letter. The first representative ( XXXX ) transferred me to XXXX, who claimed the letter was sent in error and the account numbers werent mine. However, once I logged into XXXX, I confirmed that XXXX is my actual account, so I called again. 

I then spoke to a Wells Fargo rep ( name unknown ) who could not find any account in my name or my childrens names ending in XXXX. She transferred me to a XXXX named XXXX at XXXX. After an extensive review, XXXX confirmed that someone had obtained my XXXX account and routing numbers and attempted to use them to pay their Wells Fargo credit card. 

Wells Fargo refused to investigate further, stating they could not identify the person using the credit card. They advised me to contact XXXX. 

Please note that I have not had an open account ( checking or credit card ) in years. This is very concerning!!