23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for an American Express Business Gold Card based on an email promotion that I received which stated a XXXX welcome points bonus ( the " Bonus '' ) upon the spend of {$10000.00} within the first 90 days ( the " Minimum Spend Threshold '' ). After receiving the card and activating it I saw that if I buy a XXXX XXXX gift card for {$500.00} or more there is an additional XXXX points bonus. I did that and then I contacted American express via chat to check by what date I need to meet the Minimum Spend Threshold and to confirm that Dollars spent on a gift card will go towards the Minimum Spend Threshold. The chat agent made a mistake, mislead me and told me that only a limited list of expenses goes toward such Minimum Spend Threshold and sent me a link to such list. When I saw the list it was clear to me that I can not meet the Minimum Spend Threshold within the 90 days period and I canceled the card. Shortly after that ( in the same day ) I realized that the chat agent made a mistake that mislead me. I verified that every Dollar spent on any good and services counts toward the Minimum Spend Threshold. I immediately contacted American Express asking to instate the card or issue a new card so I can get the Bonus once I meet the Minimum Spend Threshold but I was told that this can not be done. I was told that if I apply for a new card I will get the card but not the Bonus. I tried over several calls with customer service to explain the mistake that was made by the agent and the confusion but nothing helped. I had a case about the matter but it was closed by American Express with out any help ( XXXX ). It is VERY clear that I only cancelled the card because I was provided misleading information by mistake during my chat. Chat transcript is attached and I also added the limited list of the expanses that was provided by the chat agent by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you ensure the accuracy, timeliness, and verifiability of my personal information in your records. It is crucial that your documentation adheres to the standards outlined in the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Therefore, I urge you to promptly delete any address within your system that does not align with my specific. 
the correct of my address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX please updated my information on my consumer credit report
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX and noticed my personal information was incorrect. I had multiple variations of my first name and last name and my address. i sent a letter to experian, XXXX, and Transunion on XX/XX/XXXX to investigate this but they still haven't fixed the problem. 


I dont know what to do. Can you look into this matter. 

Remove my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXXXXXX XXXX XXXXXXXX Account # XXXX 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 customer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to formally complain about North American Recovery due to their repeated, harassing phone calls to me, my son, my in-laws, and even my workplace. They claim to be attempting to collect a debt but have failed to provide any details about the alleged debt, including its origin or validity.

When I have requested clarification, they have not provided any meaningful information. Instead, their calls continue to disrupt my personal and professional life. Based on their lack of transparency and failure to substantiate their claims, I am concerned this may be a scam rather than a legitimate collection effort.

Their actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ) by : Harassing me and third parties ( family and workplace ). 
Failing to provide adequate verification or details about the debt. 
Ignoring my request to cease communication. 
I request the CFPB investigate North American Recovery to determine whether their practices are lawful and to take appropriate action to stop their harassment and protect consumers from potentially fraudulent activity. 

Thank you for your attention to this matter. Please let me know if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect banking account reporting on my consumer report. Bright star is reporting a {$480.00} balance monthly on a closed account. I have disputed this inaccurate information three times with no response or validation. The debit was closed out in XXXX. I have submitted a XXXX form to get proof XXXX charged this debt off and received a write off for it. Yet they are still negatively reporting monthly on my behalf.
Product: Money transfer, virtual currency, or money service

XXXX usd was suppose to be deposited into my account from coinbase on the XXXX i still have not got it. And only get automated messages replied to me no help what so ever. It says the transaction is completed but no money shows in my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of tXXXX XXXX  XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX  monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts. 

( SEE ATTACHED DOCUMENTS ) That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus- XXXX  , XXXX  , Experian to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called Experian- same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) Equifax XXXX XXXX XXXX and XXXX have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) Equifax, XXXX, and XXXX don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on Equifax, XXXX, and XXXX have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

XXXX - XXXX {$920.00} XXXX Apartments XXXX XXXX XXXX. XXXX Ga XXXX action was taken 5 years ago because of a break in and entry by some so called maintenance department, sheriff 's department was called. 

XXXX - XXXX XXXX XXXX team XXXX still charging me for rent after lease expired in XXXX to this very day. offices located in florida and here in XXXX georgia. 
sent to collection agency Mutual Management without asking for dispute information or contacting me about collection agency at that time. with out my permission. 

The XXXX apartments XXXX XXXX XXXX. XX/XX/XXXX Ga XXXX ( XXXX ) XXXX charged me {$150.00} to collection agency XXXXXX/XX/XXXXXXXX in XXXX Florida for a rental unit I never rented or left a deposit or filled out an application to move in?., FRAUD!!! 
year XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Georgia has over charged me for a room for carpet cleaning and repairs that were never there the room was not carpeted or damaged sent to another collection agency for rental history and i can prove my room did not need cleaning carpet and repairs at that time in XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/2024 Dear XXXX, After viewing a copy of my credit report, I noticed an account placed on my credit from XXXX, account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any vehicle purchase made from and resulting in a debt owed to this merchant and I am seeking the original bill of sale, purchase contract and vehicle registration with my signature showing to which I owned this vehicle, and this debt. 
Therefore, this is my request for validation of debt. 

Please provide the original bill of sale and purchase contract showing my signature. 
Provide a copy of the consumer loan agreement, with my signature clear and legible, from the original creditor BB & T account number # XXXX, that shows I applied for and was approved for this vehicle loan. 
Provide a copy of the vehicle registration and title upon initial sale and payoff. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. I request full documentation of what you received from the creditor in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, please explain how you are reporting the account XXXX XXXX XXXX as accurate when XXXX does not report this account and XXXX isn't reporting any payment history. You have 7 late payments, but when I contacted the creditor, they gave me different information. If you can not provide how you are reporting this account per FCRA then please remove the late payments and update this account to closed with no lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I pray all is well I'm contacting you because I thoroughly looked over my consumer report and noticed you all are furnishing an account named XXXX XXXX XXXX which is inaccurate and does not belong to me. This account is negativley effecting my ability to apply for credit. I want this account deleted from my conumser report immediately. Please see attatched documents related to my dispute, I have attatched a copy of my driver licsense as well to verify me. I look forward to this being resolved in a timely manner.
Product: Credit card or prepaid card

Over {$3000.00} dollars of items were fraudulently purchased at Macy 's using my wife 's Macy 's credit card ( I am the owner of the card and she is an authorized user ). {$1500.00} of it was at the XXXX XXXX Macy 's location on XX/XX/XXXX and the other {$1500.00} was at the XXXX XXXX location XXXX both in XXXX ). We weren't aware of these charges until we looked at our bill in mid to late XXXX at which point we contacted Macy 's to dispute the claims ( this process is still ongoing ). The details are attached We're a bit perplexed about how this could have happened for a few reasons : 1. As far as we know, we have both physical copies of the card 2. There's only a {$2000.00} credit limit on the card, so how were they were able to go purchase an additional {$1000.00}?

3. They say the purchase was made under my wife 's maiden name. I suppose someone would have to cook up an ID with that name on it? ( if the store clerks even bothered to check ) I've suggested to Macy 's that a simple pull of the security footage along with the photo on my wife 's Driver 's License would absolve us of any responsibility for these payments. We've also filed a police report. 

I've reiterated this information to Macy 's twice only to receive two identical letters claiming they determined my wife made the charges and that we are responsible for paying for them. My assumption is that someone used our information and that their investigation isn't taking into account physical evidence.
Product: Credit card or prepaid card

My husband received two credit cards offer from AARP ( through Chase ) on Wednesday, XXXX XXXX, 2017. Both offers were the same, but neither contained the required clearly listed APR, cash advance fee, balance transfer fee, late payment fee, etc. This information is provided on the credit card offer, but in very small print as a footnote to the offer. Most credit card offers, including those I 've received directly from Chase, include a separate Terms and Conditions page which clearly lists this legally required information. I 'm not sure if it 's a violation or just an unfair practice, but I take exception to the way this card offer is hard to understand considering it 's marketed specifically to an older demographic. My understanding of the law regarding fair credit practices is that the separate, clearly readable terms and conditions are required to be included in an offer so that consumers can easily compare and evaluate credit card offers. The law was not followed in this case in a marketing effort toward an older population. That is not acceptable.
Product: Credit reporting or other personal consumer reports

The account with XXXX has been closed - paid in full since XX/XX/year>. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, XXXX, Equifax ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/year>. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full.

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.