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

There was fraudulent charges to my Avent account that I never received a card to so Ive never actually used. The fraudulent charges have all been verified by avant to be fraudulent and credited back to the account, but it took months. The fraud department also credited back only one month of late payment fee for the fraudulent charges. 
Even at this point I have never once used a AVANT card. 

I get emails text messages phone calls mail daily on my Bill they say I owe. Which is the late payment fees and the interest all from the fraud charges. 
The avant account people say the fraud department has to deal with it the fraud department says they cant even look at the account- it Has to be dealt with through Avant people they just push it to the other department nobody will do nothing for months and months and months now. 


I have contacted Avent so many times that they say they can not no longer escalate this issue. Even though theyve escalated the issue is supposed to have looked at it several times nobody from the escalated team has contacted me -never once have they contacted me back to ask questions about this they just claimed theres been no error. when I email the fraud lady that I was dealing with with my case she just emailed me back that she already told me that she can not assist me They are claiming I owe {$100.00} Which is the exact amount they charged for late fees and interest on the items found to be fraud I am not responsible to pay late fee and interest on items that were found to be fraudulent they will not listen As Ive stated several times I have never once use this car there are no other transactions other than the ones that were all found to be fraudulent and credited back to the account the only thing theyre claiming I owe is {$65.00} in fees charged for late payment and {$43.00} in interest on purchases but theres never been a purchase
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB, ) I, XXXX XXXX, am writing to lodge a complaint regarding American Express Company 's request for my personal information and their compliance with the Dodd-Frank Act. 

In response to a letter from American Express dated XX/XX/2024, I have provided the requested personal information, including a copy of my Florida driver 's license and a recent bank statement. As a conscientious consumer, I understand the importance of providing accurate information for my protection and record-keeping purposes. 

Additionally, I am aware of the Consumer Financial Protection Bureau 's role in safeguarding consumers from unfair or deceptive trade practices. I believe that as a consumer who has submitted applications ( " Securities '' ) to American Express, I am entitled to credit for the value and consideration I have provided. 

I am eagerly awaiting the delivery of my requested American Express credit cards ( 1 ) Blue Cash Everyday ( 1 ) Platinum Card and expect American Express to comply with the Dodd-Frank Act to avoid any violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.
Product: Credit reporting or other personal consumer reports

For almost a year now, I have been attempting to have XXXX/XXXX  removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a XXXX/XXXX  account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and Experian continues to report this innaccurate information on my account. By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. - If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the XXXX/XXXX account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be REMOVED!
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, XXXX XXXX XXXX. XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Debt collection

Thisdebtof{$350.00}waspostedtocollectionsinXXXXof2019.IcalledXXXXXXXXandtriedtohavethemexplainittomebecauseIhaven'thadservicesthroughthemforatleast3or4years.Theycould'texplain.NowithasbeenplacedforcollectionsandIdon'tthinkIoweit.Ipaidallbalancesandreturnedequipmenttothematthetime.Ifeelthisisamistakeontherepart.IalsocannotaffordtopaybecauseIamonSocialSecurityXXXX,can'tworkandonlimitedincome.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022, XX/XX/2022, and XX/XX/2022, I Transunion you to investigate items that I believed were reporting not 100 percent accurate on my credit report. The following account was in dispute : 1. Collection Account : XXXX XXXX XXXXt # XXXX The IRS defines a Charge off as a debt that is forgiven or discharged for less than the full amount you owe. According to the IRS website, charged off debt or a debt is canceled, the creditor may send you a XXXX XXXX, XXXX of XXXX showing the amount of cancellation of debt and the date of cancellation. I have never received a XXXX XXXX, XXXX of XXXX, or any other forms stating that this debt is charged off. 

In addition, Transunion is still reporting addresses on my credit report that are undeliverable to me by the United States XXXX XXXX : Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from a local dealership. My loan was with Wells Fargo. At the time I signed loan paperwork, I was informed by the dealership, and by language in the loan paperwork itself, that I was obligated to maintain comprehensive and collision insurance on the vehicle. I asked the dealership for further details, ie, required amounts of coverage or deductables, and was told to contact Wells Fargo. 

On XX/XX/XXXX, I contacted Wells Fargo by phone with three inquiries -- was I required to maintain comprehensive and collision insurance on the vehicle under the terms of my loan agreement, if so, was I required to maintain a specific deductable or range of deductables, and finally, if there were any other forms of coverage I was obligated to carry. I was told for around and hour and a half, by a string of people that they could not answer those questions. Eventually I was directed to someone who informed me that it was no longer Wells Fargo 's policy to inquire as to insurance coverage, and that they did not purchase forced placed insurance if they did become aware that a loan customer did not have collision or comprehensive insurance. 

I asked for this in writing, as it seemed to contradict both what I was told, and the language of my loan agreement. I was told the only way i could obtain that was to write in by snail mail or to fax them a communication requesting that information. 

I might flatter myself by saying I'm a sophisticated consumer -- I'm an attorney, and reasonably educated and aware. I'm aware Wells Fargo recently settled a large class action suit related to their practices regarding forced placed insurance. 

Their behavior here seems like an attempt to hide what they are genuinely obliging their consumers to do by signing their loan documents, and then erecting hurdles to obtaining meaningful clarification. I'm sorry, it's XXXX. No one should be expected to write in by snail mail or fax.
Product: Credit reporting

I have been trying for months now to get my credit report because Equifax reports almost everything wrong. There have been deleted items reinserted, XXXX-XXXX accounts from major creditors like XXXX XXXX and XXXX XXXX are n't on my report even though the creditors confirm reporting, and I can no longer dispute collections on my file that have been proven to be in violation of FCRA. I called Equifax about the issue and they are telling me I have to contact some department by mail to update my report address, name, etc. My information has n't changed and on my last report nothing was different so I 'm not seeing why I have to jump through hoops to update a report. I ca n't even access it from their website and the representatives on the phone ca n't pull my report either. Equifax is the worst excuse for a credit reporting agency I have dealt with in my life.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

the car loan from XXXX XXXX XXXX was paid in full on XX/XX/2019. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting that I have an outstanding balance on a XXXX Account in the amount of {$6800.00}. I HAD ONLY ONE XXXX   CREDIT CARD ACCOUNT which has been closed for months. Transunion is claiming that I have MORE than one XXXX Account ( which I do not and never have ). I contacted XXXX as well, and this matter is still outstanding. I am left dumb-founded with only one thought that this could be a fradulent account. 

For the record, Neither XXXX nor XXXX is showing MORE than ONE XXXX Account with any balance at all. 

Please HELP.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX XXXX stock # XXXX XXXX XXXX, I filed out the XXXX paperwork to get the credit to purchase the XXXX. XXXX XXXX XXXX XXXX XXXX gave Reliable Credit Association Inc, XXXX XXXX Bank, and XXXX XXXXXXXX XXXX XXXX my personal information without my consent after XXXX XXXX XXXX XXXX XXXX denied me credit. I am aware of my open-end credit plan which is my right to contract unlimited without being denied persuant to XXXX XXXX of XX/XX/XXXX and XXXX law 73-10. I overstand Under the Truth in Lending Act Title 15 usc subsection 1602 ( f ), ( g ), ( l ), ( n ), ( p ), 1605 ( a ), Fair Credit Reporting Act 15 subsection 1681 ( a ), and Equal Credit Opportunity Act 1691 ( a ), ( XXXX ) that I, XXXX XXXX XXXX a XXXX Man has been denied and/or discriminated against by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX BANK because these banks/companies violated the above referenced consumer protection laws by not extending me my credit unlimited, in which I extended to them.
Product: Money transfer, virtual currency, or money service

Gemini ( a crypto application provided by Gemini Trust Co, LLC ) was down for almost 24 hours on XX/XX/2021 and provided little or no information to its customers. This financial institution has no way of being reached by phone and only provides email support. While financial institution outages are common, the duration of this one without the requisite communicaitons was inexcusable. They boast about their SOC 1 and SOC 2 compliance but arent fulfilling their promise to their customers. 

There were no media reports of this outage, little credible information on their website ( since it was down ) and at times I felt my assets in their safekeeping were at risk. All they could muster is a jibberish email response from their CEO signed onward and upward, XXXX.
Product: Checking or savings account

People 's United Bank NA has acted in a malicious manner in the closure of my checking account. In the attached document, People 's United Bank determined this based on the " costs for compliance, regulatory obligations, and potential risks. '' This checking account has been used for in-branch and direct deposits from my employer in order to pay bills. 

Per the letter, my account will stay open until XX/XX/19 in order for me to transition to another checking account. On XX/XX/19, I visited two separate bank branches in order to deposit funds for bill payments. On both occasions, I was refused service and told that they are unable to make deposits to my account. This is in spite of the fact that my account was still open with the ability to write checks and make payment orders. The branch staff made efforts to reach Mr. XXXX XXXX, of which he was determined to be unavailable to resolve this matter to make deposits. The branch manager in XXXX CT, XXXX XXXX, was also unable to determine why I was not allowed to make deposits even though I had an open account. 

With the abrupt closure of my account without any warning or notification of a pending limitation to my account, People 's United Bank determined that their cost of compliance was raised and deemed me risky without an explanation. No deposits were ever declined/bounced and all checks deposited came from verifiable sources. I fear that with these unsubstantiated claims of risk and compliance, it is merely an excuse to discriminate against someone of a certain race. Based on my name and the color of my skin, People 's United Bank determined that I was too risky and was a burden on their regulatory obligations.
Product: Credit card or prepaid card

On XX/XX/XXXX I was flying to XXXX to arrange my mother funeral. And when I got to XXXX I was told that my luggage was miss placed at the reno airport. After waiting for a few days, I went down to the airport to get a update on my luggage because I had my phone, driver license, passport, wallet etc in my luggage and I needed to pay for the funeral but the airport told me that someone had stolen my luggage and a few other people luggage from the XXXX airport. I try to call the bank to report my card stolen but they couldnt help me because they couldnt verify me because I was calling from a different number from XXXX. And i couldnt go into the bank because there wasnt any Bank of America in the town I was located at. I was stuck in XXXX without being able to get back to the USA because I didnt have any proof of verification that I was XXXX XXXX. I had to wait until the USA border verify that it was really me. When I finally got back to XXXX in XX/XX/XXXX. I immediately try going into a Bank of America to get help with my account but they refused to help me because I didnt have my drivers license. So I went to the dmv the next morning and apply for a replacement and I was given a document showing it was actually me and i went into XXXX to order a new phone because they had stolen my phone. After receiving my phone I immediately called the bank and had them cancel the card. And filed a fraud claim with them but they denied my claim. And accused me of making the charges after I had submitted the proof of the police report and dmv document and the flight ticket and proof of the new phone. And I recall them and had them resubmit the fraud claim but they denied it again and I asked them why they were denying the claim and they said I was the one making the purchase but I told them I was in XXXX and I had a update from the police officer that they arrested the person that had stolen the luggage from the airport and I still havent received my money back from all the fraud transactions that person had done. After submitting the new update from the officer. Its been over 2 months since i filed the claim and I still havent received the money that was stolen from my account. Or a update from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I submitted to XXXX, Transunion and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX  accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.