23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Prior complaints were made against Avant Credit and directly against the issuing bank, XXXX, pertaining to terms of a loan which were not disclosed at time of application/approval. Avant claims they were disclosed when in fact they were not. The high interest rate was not disclosed at the time of loan approval and payments ceased on the loan after attempts at lowering interest rate were unsuccessful. Avant has not provided any proof I agreed to the terms of the loan and does not have my signature on any documents agreeing to such terms. Avant refers to screen shots in prior replies to complaints, none of which they have shown.. The attempts mentioned prior include speaking with a XXXX XXXX directly at Avant as well as XXXX XXXX at XXXX whom I was not able to reach, calls from my number were not accepted and had to call from a different number. Once I was able to reach a rep at Web-bank, I was told Mr XXXX does not accept calls. Mr XXXX defended the high interest rate and would not agree to lower it or offer any other kind of remedy, he was advised payments will cease on the loan which they have. The last payment made was sometime in 2015, Avant is still reporting my account on my credit report, adding on interest and fees as a way to harass and also harm my credit score. Avant is aware of my dispute and will not resolve it, expects me to pay the high balance and interest which is at or around, {$16000.00}. The original balance is {$6800.00}, Avant is clearly adding on interest and fees as well as reporting the account to credit bureau ( s ) in an attempt to get me to pay which will not happen unless they agree to resolve my dispute over high interest rate. Their last reply closes with requesting me to call customer service to make payment arrangements which again, will not happen unless they agree to waive interest/fees, lower interest rate. In closing, please advise Avant they can continue to add on fees and interest but again, they will not see any further payments unless they agree to resolve my dispute. I am currently speaking with an attorney to see if what Avant is doing in regard to credit reporting is legal or not, it appears Avant is still reporting my account well after the contract end date..
Product: Credit card or prepaid card

On or around  XXXX   XXXX ,    2017, I cal led  an American Express customer service representative to ask whether I could upgrade my Amex Everyday card to the Amex Everyday Preferred card. I was interested in finding out if there were any promotional offers associated with upgrading my card. I specifically used the word " upgrade, '' and it was clear from the context of my request that I was requesting a product change from the lower version of the card ( Everyday ) to the higher version ( Everyday Preferred ). At no time did I ask for a new card account.      The representative appeared to understand my question and told me that there was an offer that would allow me to upgrade the card and receive  XXXX  membership rewards points if I spent {$1000.00} on the card within the fir st three months of us ing it. I agreed, and I made sure with the rep that this upgrade would not result in a hard pull on  my credit score. The rep  said that she was n't sure, but she thought it would be a soft inquiry rather than a hard one. Again, this led me to believe that she was in fact processing my application as an upgrade ( i.e., product change ) and not as an application for a new card account.     When I opened m y Everyday Preferred ca rd on Monday,  XXXX   XXXX ,    2017, I real ized that the representative had in fact processed my application as an application for a new card account, and  not as a product change. American Express had done a hard pull on my  XXXX  credit report. This hard pull, in combination with the new card account, caused my credit score to fall at least  XXXX  points with all   XXXX   credit reporting agencies.      Making matters worse, the email the representative sent me after our c all ( atta ched ) included the la st five digits  of the Everyday card account that I was attempting to upgrade (  XXXX  ) instead of the las t five digit s of the new card account that was apparently opened later (  XXXX  ).      On  XX/XX/XXXX   and  XXXX ,  2017, I  call ed American Express to as k what they could do about this, but the representatives I reached diverted me from department to department until a representative diverted me to an automated line, which then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Has a XXXX on report as criminals for a XXXX XXXX and I WAS NEVER EVER CONVICTED. REPORT SAYS TO CONSIDER!!! I LOSS THE JOB!!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally to resolve a matter related to unauthorized inquiries on my credit report. The data in question is not associated with me, and I request the prompt removal of this fraudulent information.
Product: Mortgage

XXXX XXXX, 2015Letters of Harassments. Beginning to receive letters from Bank of America, addressed from XXXX, Tx XXXX. Cover page states " Time Sensitive ''. Letter states " Thank you for sending your financial documents. Here 's what to expect next. Letter goes on and states that I have initiated home loan assistance. The sooner we receive your documents, the sooner we can evaluate your loan for " MODIFICATION ''. Letter has signature block of XXXX XXXX, Home Loan Team, Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESS, XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the CFPA. Cash App failed to take timely & effective measures to prevent & address fraud on their platform which led to my account being vulnerable and unprotected. Additionally their dispute resolution process was unfair & deceptive as they werent in compliance under the EFTA and Regulation E. These actions have caused inconvenience & financial loss which I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, WELLS FARGO CARD SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Bank account or service

Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud.
Product: Money transfer, virtual currency, or money service

I made a purchase on XX/XX/XXXX for {$45.00} for a bathroom cabinet. I used Paypal to make this purchase. The seller uploaded tracking information a day later showing that the item had shipped out. I never received this item and the seller does not respond to any emails. The seller uploaded tracking information for XXXX XXXX. This tracking number indeed shows delivered. However, after speaking with XXXX this tracking number IS NOT for an item sent from this seller, nor was it shipped to me, or my address. I have opened up a dispute with paypal as well as having the dispute reopened and as long as the seller provides the same tracking number that XXXX  says is not valid they continue to close the case in the seller 's favor. I provided the documentation from XXXX showing that tracking number is for an item not delivered to me they still close the case and no refund provided. attached is the document from ups THIS IS NOT THE PACKAGE that I paid for. paypal dispute id : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. 

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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

Experian have not removed a debt that is over 7 years old. The dispute is that XXXX ( XXXX ) purchased a bad debt of mine from XXXX XXXX. XXXX XXXX reports the XXXX date of delinquency never brought current as of XX/XX/XXXX and XXXX ( XXXX XXXX reports it as of XX/XX/XXXX. Also, these XXXX agencies have not removed XXXX XXXX ( XXXX ) that purchased a debt from XXXX XXXX that the XXXX late payment never brought current as XX/XX/XXXX. I have disputed these items online with Experian and by mail and waited over 30 days.
Product: Debt collection

I was given a bill of {$2400.00} for a XXXX  bill that i never opened. 

Unifin reference # XXXX XXXX XXXX reference # XXXX I never opened any XXXX account under my name and want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has persistently refused to provide an accounting of this item, the correct balance, and insurance billing statements that show payments. It is clear they have little or no information and can not reconcile the correct amount owed, if anything. 

This is a XXXX debt. Repeated efforts through XXXX, XXXX and TransUnion to verify and update this account on my credit file have gone nowhere and they close the dispute without properly investigating it. I know this because each time, XXXX sends me a letter asking for any information I have about the account. This would have to come from the original creditor, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting to the credit bureaus it is incumbent upon them to have all the facts. They do not, and they continue reporting unverified/unsubstantiated information about me and are simply running out the clock in an attempt to force a recovery of some amount on an old and poorly documented record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Remove Inaccurate Information from my Credit Reports. Account # XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : DISCOVERBANK Account # XXXX XXXX. Delete because inaccurate information reporting. The account has been deleted from my XXXX  report on XX/XX/XXXX but still remains on my XXXX  and XXXX  report. 

2. Delete because inaccurate information reporting. The Highest Balance shows {$3900.00} on XXXX and {$4400.00} on XXXX. 

3. Delete because inaccurate information reporting. There's no closed date on XXXX  while XXXX  shows a close date of XX/XX/XXXX. 

4. Delete because inaccurate information reporting. Last Payment date shows XX/XX/XXXX on XXXX  while showing XX/XX/XXXX on XXXX. 

5. Delete because inaccurate information reporting. There's not Credit Limit on XXXX  while showing a Credit Limit of {$3900.00} on XXXX. 

The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Checking or savings account

I was scammed through XXXX and my Chase bank account. I noticed that my bank account had XXXX over what it should have and realized someone made false reversal claims on like XXXX plus charges in my account that were charges to pay bills etc ( charges were legit and I made them ). I did not make these claims to dispute these charges so I called chase to let them know. 

Customer service was not helpful did not understand what I was talking about. 
The next morning I realized that XXXX dollars was sent via XXXX to someone named XXXX XXXX in 3 different XXXX payments. I did not send these XXXX payments. I was freaking out and called chase again and they opened a claim this time. 

2 months later I was laid off from my job due to the pandemic. I noticed that Chase reverse Ed my claim about the XXXX charges and now I negative XXXX . I called customer service again and they werent helpful they said they couldnt prove it was fraud. So now Im unemployed and beyond negative and dont know how I will pay for food or rent.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : 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
Product: Credit reporting or other personal consumer reports

All of the below listed items I do not have a contract with these companies. They did not provide me with a copy as requested. I am not responsible for these accounts and would like them removed from my report. 


XXXX XXXX XXXX XXXX XXXX  This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX This account does not belong to me. 
XXXX XXXX XXXX XXXX  This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX This account is listed erroneously. 
XXXX XXXX XXXX XXXX XXXX  This account is listed erroneously.
Product: Debt collection

well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.
Product: Debt collection

XXXX  Dispute Department XXXX. XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX. XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX AFNI, INC ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX  XXXX XXXX  ACCT # - XXXX XX/XX/XXXX XXXX  XXXX ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX/XXXX  ACCT # - XXXX XX/XX/XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade  Commission. I have also enclosed a copy my state issued identification along with other personal documents that entail my name and current address. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX. 
This company allegedly claims I owe a debt. I have no agreements with Resurgent. Resurgent claims I owe {$200.00}. Resurgent has been sending me text messages and calling since XXXX 2022. I sent a Cease and Desist letter which was ignored.
Product: Debt collection

Received original letter from XXXX XXXX, about a {$33.00} debt from XXXX under my name on FL, after contacting collector I identified it was the result of identity theft. 

Contacted the police and informed XXXX XXXX, submitting copies of Police Report, this was XXXX XXXX XXXX ; in XXXX XXXX I received a new letter from XXXX XXXX regarding the same issue - I quickly submitted same paperwork to them and formally asked the debt to stop being sold to new collectors - and to my surprise I just got a letter last week from IC Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX about the same debt. 

It is clearly a case of identity theft, after I submit the paperwork thXXXX collectors never contact me again but they kept selling my debt/information. I just want this to stop. 

At this point I 'm not looking for legal reparations, but will if this practice does not cease. Please help me stop this non-sense. 

thx XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian responded with a lesson in how credit reporting is fluid. However, they did not address the simple question of What would cause my credit score to drop XXXX points in one day. Nothing in their response answered that question. If they would look at my credit report for XXXX, XXXX, and XXXX tell me what changed so drastically, I would be satisfied. I looked and saw absolutely no change in my credit report.
Product: Debt collection

National Credit System accessed my credit report without my permission in XX/XX/year> severely damaging my reputation and my credit worthiness resulting in the denial of credit and housing. They didn't send any pre demand letters. Only reason I found out about this alleged debt was after they damaged my credit report. I sent a notice of dispute on XX/XX/year> with green receipt tracking ( XXXX ), an affidavit of truth with exhibits, a cease and desist with consumer specific instructions and a bill of particulars that has been ignored.
Product: Checking or savings account

Bank of America left me stranded with no money whatsoever as they froze all my accounts on XX/XX/XXXX which included savings account, personal checking account, business checking account, debit card, credit card with no legal reason causing me emotional traumatic anguish in addition to telling me that they did not plan to ever release my funds. 
Although in complaining to Consumer Finance Bank of America finally released my funds weeks later, I firmly believe that Bank of American must compensate me for the mental anguish they put me through by leaving me with no money whatever in addition to destroying my business reputation as the business checks I issued prior to my accounts being frozen were not able to be cashed by the recipients and, consequently, I was threatened by the recipients to call the police because they felt I had given them back checks. 

I firmly believe that Bank of America destroyed my life by leaving me with no money whatsoever to spend for weeks and, therefore, they should be fined in addition to having them compensate for my traumatic stress.