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

Applied for Hilton honors credit card on XX/XX/XXXX and was approved. I saw an email promotional offer via email a few days after applying and prior to receiving my card. Filed a claim to avail 0 % APR for first 12 months and bigger bonus points as mentioned in email offer. I followed-up a few days after and about a week after that but they said it was still pending review. I followed-up again on XX/XX/XXXX and was advised by bank representative that my claim was denied. I looked through my emails and saw that the offer was actually emailed to me several times prior to opening account with first time receiving in XX/XX/XXXX. Same offer was emailed again on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I tried asking another agent to open a new case, in light of this new information but they wouldnt even reconsider. I was forced to thinking of opening a new card, a different type than the one I had opened as this other card had a {$95.00} annual fee and I was advised by agent I would be able to avail 0 % APR if I applied and was approved. However, 4 to 6 hours later, the promotional link no longer worked, when clearly, it worked fine in the morning. They now claim that the offer can not be applied to my account and that they cant locate that same offer theyve sent me.
Product: Debt collection

Spoke with the Midland credit agency about the collection in regards to my account XXXX XXXX Social Security number is XXXX the actions claim by this agency or fraudulent and behavior spoke to multiple representatives who claim that the incorrect information is on the account and collection is due for a third-party vendor for a medical agency and try to resolve this information and resolve this issue via the credit bureaus also called directly to associate and attorney with the case Midland credit XXXXid refuse as well I need to contact the attorney generals office for a conditional removal immediately from the credit report and all agency.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these itemsin line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$380000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2018 Status : Collection account. {$1400.00} past due as of XX/XX/2018. 
Status Updated : XX/XX/2018 This is the information from Experian. I did not under any circumstances open anything in XXXX. This debt/account does not belong to me.
Product: Credit reporting or other personal consumer reports

Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have XXXX XXXX from the date of this letter to correct these wrongs and restore my rightful credit standing. 
I look forward to your swift and just resolution of this matter. 
Also any address that is not XXXX XXXX XXXXXXXX XXXX XXXX Va XXXX remove it for the address i provided is the only place I have lived within the last XXXX XXXX  remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW
Product: Credit reporting

Equifax sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.
Product: Credit card or prepaid card

Blank of America is holding my funds hostage im told by XXXX  that theres no reason for Bank of America to have closed my account iv already spoken to my sponsor and they are telling me that although the account is closed o should be able to go into a bank to withdraw my funds I need my money and my account fux now this is crazy everytime o cappp they are telling me to speak with my sponsor I did already and I think this bank is trying to steal my funds this account needs to be reopened so I can withdraw my balance please this is isick and its not because of me Im told its because Michigan changed providers so why cant the account be reopen XXXX said that even if they approve they no longer have communication with the bank they told me the bank needs to release the funds to me Im confused and they are to I need my account opened now I have not 1 $ to my name help!!!!!!
Product: Credit card

I redeemed a 10 % cash back offer from Chase for purchases at XXXX XXXX XXXX onXXXX. I then made two purchases totaling {$19.00} on XX/XX/2023 and XX/XX/2023, and did not receive the credit on my credit card statement. I called Chase multiple times and they refused to honor this offer. One time I called they said they did see it on their computer but that I needed to wait a few more weeks. Another representative I spoke with said she did not see it on her system at all so they are refusing to honor it. I have screenshot proof that I did redeem it. I am concerned they are taking advantage of customers by offering discounts and not honoring them.
Product: Credit card or prepaid card

I filed a dispute on my chase credit card for fraudulent transactions. The merchant XXXX sent me 2 different emails. One alerting me to fraud on my XXXX account. The second notifying me that the charges were determined to be fraudulent and that they would be refunded. Chase refused to refund the charges, even after providing them these email evidences from XXXX. Chase has zero reason for denying this claim outside of greed. Even the merchant agrees. After reviewing my documentation emails and review the attached Chase statement with the refunded charges that were reapplied, you can see clearly that Chase has all the evidence and even merchant admittance to refund these charges. Chase even has documentation of the merchant saying that they would personally refund these charges. Chase Bank 's failure to rectify this situation just shows that they are acting recklessly. This goes beyond a simple mistake.
Product: Debt collection

At XX/XX/XXXX I received a phone call from XXXX XXXX ' from Westhill Exchange LLC in Colorado . He stated that I owed XXXX XXXX XXXX a debt from XX/XX/XXXX and that if I did n't pay he would be taking me to court and I could go to jail. He verified my old address and some other personal information but stated that he could n't send me a bill in the mail to verify this account. I told them that I do n't have that kind of money laying around and I need to have something sent to me. With having a family and with me only working, I paid them the almost {$500.00}. He was supposed to send me an email of confirmation for payment, which I never received. Nor did I ever receive anything in the mail. After returning home, I spoke with my wife about it and she started investigating. Called the bank and submitted a fraud claim against them. The bank has then determined that the claim is in my favor and it was defiantly a fraud. I am now being harassed by XXXX XXXX from Westhill Exchange LLC again via email and phone calls. He states I need to contact him ASAP before a court case is submitted to jail. Please help me with this, I am being harass by XXXX. He ca n't verify this past debt and wo n't stop threatening me with court.
Product: Debt collection

I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price in writing. The morning of the procedure I was asked to pay {$420.00} more than I was told. I paid under duress and told them that I disputed the price difference. They told me to contact the doctor 's office who gave me the price. I contacted them after the XXXX and they said to speak with the XXXX center, who sent me back to the doctor 's office. I disputed the price difference of {$420.00} with my credit card company because I was told the price well in advance and it's not my fault they were wrong. I received the first collection letter from this company dated XX/XX/XXXX and immediately replied in writing asking them to validate the debt and to cease all collection efforts. THEY CONTINUE TO HARASS ME VIA EMAIL in direct violation of my written request for them to cease contacting me in accordance with the FCRA. I have received email correspondence from them as recently as XX/XX/XXXX. In XX/XX/XXXX, the administrator of the doctor 's office who initially gave me the quote sent me proof that the account was zeroed out. In XX/XX/XXXX, I discovered that this company FRAUDULENTLY reported the account as delinquent to XXXX. I initiated a dispute and they removed the item from my credit report. Now, in XX/XX/XXXX, I just learned that FOR THE SECOND TIME, they have reported this account as delinquent to a DIFFERENT reporting agency, this time to XXXX. This company is using FRAUDULENT AND DECEPTIVE collection tactics to collect money which is was never owed. The most recent report to XXXX already resulted in me being denied for a credit card.
Product: Credit reporting or other personal consumer reports

Account Number XXXX. Date open XX/XX/year>. The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont 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 ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$270.00}, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}, a personal installment deposit account opened at XXXX on XX/XX/XXXX with a balance of {$100.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$330.00} that appears related to the aforementioned account opened at XXXX  XXXX. These accounts have resulted in XXXX fraudulent XXXX XXXX hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The hard inquiries are reported as XXXX XXXX  for Finance other than personal on XX/XX/XXXX and XXXX XXXX  for Finance other than personal on XX/XX/XXXX with TransUnion. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

HILLCREST CREDIT AGN Ad dress :  XXXX   XXXX   XXXX    XXXX   XXXX  , KY  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. No document were provided showing a contract or signature
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Product: Debt collection

Americollect INC. is in fact in violation of 15 usc 1692b ( 2 ), 45 cfr 160, 15 usc 1692d ( 1 ), 15 usc 1681.

A notice of alleged debts in the amount of {$580.00} was mailed to me on XXXX XXXX in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due course for any and all derivatives thereof. 

These alleged debts were placed on my consumer reports on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Ive sent out an Affidavit of Truth, Invoice, Debt validation letter, cease and desist and exhibits proving all violations.
Product: Payday loan, title loan, or personal loan

Wells Fargo approved a loan for me {$8500.00} on XX/XX/21. I paid this loan off in total on XXXX. Made me believe that i would get a partial refund. They reneged. I contacted the BBB about this. They got in contact with the above and received a response that they will not pay. If i had known that this would happen, i would have taken my time paying off this loan. I have proof to back up my claim. If a resolution is not forthcoming i will take it to a different level. What i mean by that is court, attorney etc.
Product: Credit card or prepaid card

The close account guide and link posted in the Kikoff support website at XXXX.Kikoff.com does not work for the secured credit card product. Additionally, the posted business hours for phone support are incorrect. I attempted to make a phone call to the listed number ( XXXX ) XXXX at XXXX PT on XX/XX/XXXX and after several repeats of the same message and finally getting an option to speak to an agent the automated system said it was outside of business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX Balance : {$7600.00}
Product: Debt collection

I am writing to file a formal complaint against Westlake Portfolio Management for their unethical and deceptive practices. 

Purchased of a car from a dealership. Ten days later, the dealership files bankruptcy and abruptly went out of business. 

I began receiving emails from Westlake Portfolio Management, a debt collection agency, regarding a supposed auto loan that I had taken out with them on XX/XX/year>. This came as a shock to me as I had never engaged in any business dealings with Westlake before. In an attempt to address this issue, I sent certified letters to the dealership regarding their breach of contract, only to have them rerouted to the Westlake Portfolio Management office in XXXX. 

Despite sending a debt validation letter to Westlake via certified mail, I have not received any validation of this alleged debt. Furthermore, Westlake has not ceased their attempts to collect this debt from me, nor have they refrained from reporting this alleged auto loan on my credit report, which has seriously affected my credit. It is outrageous that Westlake continues to pursue me for a debt that remains unvalidated and for a transaction that never took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, am a living human being, have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX bal {$160.00} 2 ) XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$400.00} 3 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX balance {$110.00} 4 ) XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$520.00} 5 ) XXXX XXXX account number XXXX 6 ) XXXX account number XXXX balance {$7600.00} date opened XXXX 7 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$2200.00} 8 ) XXXX XXXXXXXX XXXX  account number # XXXX date opened XX/XX/XXXX 9 ) XXXX XXXX XXXX Account number # XXXX 10 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Product: Debt collection

Phone messages received about me being a person of interest in a past debt that I owed. I have no past debts and in looking up the phone number that called me, I see the company is well known in scamming people for so-called debt collection.
Product: Debt collection

Opened my XXXX app and saw my credit score dropped due to an account that was opened for {$2300.00} and no payments were made.
Product: Debt collection

Back in 2021 I resided at XXXX XXXX an apartment community in XXXX, Ga. In XXXX the management company offered me a renewal, undecided I did not submit and return the offer. After a while the renewal was revoked due to falling behind on rent. The company filed for eviction in XXXX. 

Graciously the county I resided in approved me for emergency rental assistance funds and my rent was paid from XXXX to XXXX. I submitted a notice to move out to the leasing office. As I was preparing to move, I was served another dispossessory notice. How when my rent was paid for months in advance? XXXX XXXX had filed a hold over to gain access of the apartment. Why would they do that if I submitted a notice with intention on vacating? 

I requested a copy of my ledger that was a XXXX balance. Upon move out I packed my things and had them aligned on the living room wall. When I returned to the apartment the locks had been changed and all my belongings had been trashed out. Clothes, shoes, electronics, personal items. I found my plants in the garbage. 

The management company offered to return my security deposit in exchange for my items which was over {$2000.00} worth of items while my deposit was {$1000.00}. 

Fast forwarding they are still reaching out to me via a third party to collect debt after violating my lease agreement by entering the apartment unit before I moved out.
Product: Debt collection

Constant messaging. I contacted the number and asked for verification of the debt and never received it. Dates are attached with file
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.