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

As per the terms and conditions of this credit card ( attached ) - { You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on XXXX Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus XXXX  miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow XXXX weeks for bonus XXXX  miles to be deposited into your XXXX Account after the qualifying purchase ( XXXX ) have posted to your XXXX Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. This is a limited-time offer and may be canceled at any time without notice. } -- -- -- -- - I received the XXXX bonus miles on my statement ending on XX/XX/22. That means I spent {$2000.00} on XXXX Purchases on my statement ending on XX/XX/22. For the {$95.00} statement credit, the terms say - The statement credit will appear at the close of the billing statement after the qualifying purchases post. This means I should also have received the {$95.00} statement credit on the same billing statement ending on XX/XX/22. But I have not received the {$95.00} statement credit. Contacted customer service and they are saying they can't do anything about it. This is a gross violation of the printed terms and conditions that the bank sent to me. Please correct the situation and give me the {$95.00} statement credit immediately as that should have already been posted on my statement on XX/XX/22.
Product: Credit reporting or other personal consumer reports

During Covid 19 i made several attempts to contact Equaint financial services about a time share i was involved in with ex-husband i tried to work out payments and to remove me from the timeshare loan so that it would not affect my credit during covid 19. During this time they would never take my calls and when i finally did get in touch with them in XX/XX/XXXX they told me they would not work with me or help in anyway and that they are foreclosing it and hung up. I have court letter stating that the ex - husband take full responsibility for the account. This has made it impossible for me to get a mortgage to get my own house, i have been stuck at renting a rundown place cause it has ruined my credit that i tried to fix but they didn't want to take my call or work with me on getting it fixed and caught up. I have fixed all my other accounts except this one. You can verify my issues with them and many others by reading the complaints on the XXXX  profile for Equaint financial services. 

You should already have my divorce papers.
Product: Debt collection

i started recieving phone calls from a Halsted Finachial services i have never heard of this company i have never received any correspondence from them i asked them what they were calling about and they would not tell me unless i gave them my personal information which i will not do because i dont know if this is the actual company calling me or if it is a scam of some sort i have asked them to stop calling me and they continue to harrass me i have tried blocking there number on my phone but then they will call from a different number and i have to block that one i just want them to leave me alone i check my credit report daily and they are not listed anywhere as a debt collector for something i may have had. i just want them to leave me alone
Product: Money transfer, virtual currency, or money service

Accidentally sent money. IT WAS QUICKLY REFUNDED BACK TO ME, BUT I CAN NOT ACCESS MY REFUND AND I DONT KNOW WHERE THE MONEY WENT. AS ITS NOT HIT MY BANK ACCOUNT YET. CASH APP IS SCAMMERS AND I WANT MY {$300.00} ASAP!! THAT MY LIGHT BILL MONEY & IM IN THE HOSPITAL AND WILL NEED MY LIGHTS ON FOR MY XXXX  XXXX
Product: Debt collection

Kimball, Tirey & St.John, LLP are charging me a debt of {$1400.00} for an apartment on which I never lived, nor signed a rental contract for. It has been tarnishing my credit since XX/XX/2019, re-aged, and it is still present and negatively affecting my credit score. I have contacted them multiple times via phone and certified mail, they are unable to provide proof of alleged signed documents. Last year I submitted a dispute with each bureau and they have yet to remove it or provide any proof to support its legality. Under the guidelines of the Fair Credit Reporting Act, Kimball, Tirey & St.John, LLP are unlawfully reporting fraudulent information on my credit.
Product: Debt collection

I am currently in the process of applying for an apartment complex, I spoke with the property manager, and she explained to me that on my rental history it shows that I owe another property a balance of {$440.00}. I then informed her that I have never lived in another state besides Texas. The property manager then informed me that on my end I needed to file a dispute with my credit bureau and asked me if I ever stayed in another state or helped someone lease an apartment and I explained to her that I haven't and have been staying at my current residence since XXXX of XXXX. She then informed me that she would send over a rental history verification over to the apartment complex. She then provided me with the complex name and told me that she would call and give me an update. After ending the call, I called the apartments that she provided me which are XXXX at XXXX XXXX located in XXXX, Georgia. I spoke with a leasing agent on XX/XX/XXXX, at the property and explained the situation to him and he informed me that there is a balance of {$440.00} debt due to NSF. I asked him how the application was done and he told me online, and afterwards I asked him how it was paid for, he then said it was paid online. Later he clarified that my information was used online, and the application was submitted on XX/XX/XXXX, but the application was denied. He then informed me that he couldn't release any information until the credit bureau request that information.
Product: Debt collection

XX/XX/XXXX XXXX CST, I was contacted by ERC , a debt collector, regarding an account of my mother 's. On the caller ID, my mother 's phone number showed up and I believed it to be my mother when a representative of this company introduced herself. She informed me she had my mother 's permission to speak with me and gave me the debt amount of {$150.00} on behalf of XXXX XXXX. I informed her my mother 's phone number showed on caller ID instead of her company which she didn't deny or admit that her company was using spoofing tactics which are illegal. She gave me the company phone number of XXXX and call reference # XXXX. 

The document attached is from my phone bill that proves a call was made at the time given from XXXX which is my mother 's phone number and not ERC who actually called me at that time thus proving they spoofed my mother 's phone number. 

The next day, XX/XX/XXXX, this company spoofed my phone number and called my mother into tricking her to answer. I do not have access to my mother 's account to provide documentation on this. 

I am aware companies may have a different phone number of their company show on caller ID but misrepresenting who they are by spoofing individuals ' phone numbers to trick the person into answering their call is an illegal tactic. This company has done it at least twice with my mother 's account, with multiple phone numbers, proving this is a regular illegal tactic this company is utilizing.
Product: Debt collection

Ability Recovery Services ( ARS ) placed a derogatory item on my XXXX  and XXXX  credit file in XX/XX/2018. I sent a letter to ARS to validate the debt and they provided a print out from XXXX University that looks doctored. I also followed up twice requesting the same validation and they have not responded. 

I have attached all of the correspondence and proof of delivery for each request. 

This derogatory item must be removed because ARS has not followed FCRA or FDCPA guidelines to validate the debt. In addition, my credit report for XXXX  has not been updated with " Consumer Disputes This Account Information ''. Also, they have not responded to my previous requests in the time allowed. 

Please help me get this negative item off of my XXXX and XXXX credit file due to the ARS violation of FCRA and FDCPA guidelines. 

Thank you, XXXX XXXX
Product: Checking or savings account

I made an instant transfer from my paypal account to XXXX Bank there were XXXX actually XXXX for XXXX and another for {$2100.00} the money for both transactions made it there intially I am told but then the money for XXXX was taken out of the account and days later has never been returned to the business paypal account. I have tried and tried with XXXX but they are a bunch of crooks in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card

I became a XXXX US XXXX i had XXXX insurance years ago on this old closed account and was told my insurance paid what they could and account was closed and charged off, now i get at all hours of the day and night threatening calls from Apple Recovery XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX phone # XXXX calls of threats, intimidation and this has caused considerable distress and fear.
Product: Credit reporting or other personal consumer reports

I am seeking assistance with addressing some negative items currently showing on my credit report. I have previously provided the necessary documents, including the three specific documents, dispute letters, and details regarding the accounts I wish to be removed.
Product: Mortgage

Loan # XXXX We have been working on solutions to avoid foreclosure. The Mortgage company always appears receptive, and then does the following once were close to foreclosure date. 

# 1. Says certain paperwork didn't receive in a timely manner. 
# 2. Paperwork missed a check box or was the wrong document. 
# 3. Says there is no paperwork received. 

This has happened over and over. The most recent situation is my next door neighbor made an offer and the mortgage company said they would open my loan for a short sell. I sent them the paperwork, and then followed up on-line. They closed my access to the on-line area and said just to print off the paperwork I needed, and send it, which I did. 

They then said they didn't get it in time, and have moved forward with foreclosure. I don't believe they want a resolution on this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint may not fit the category that I chose. 

I recently took out a consumer loan XXXX XXXX XXXX. It has since been reported to the credit bureau 's. I 'm currently using the app XXXX XXXX, to monitor my credit because of the Equifax hack, and it 's reporting my credit score with Equifax has dropped XXXX points, bringing my score under XXXX. I contacted Equifax and they can not tell me over the phone what my score is. I have to pay {$8.00} to have it mailed to me. They also said XXXX XXXX gets their reporting information from a different source then where they do. 
But per the XXXX XXXX website it states that they do n't calculate scores, the score is provided directly from Equifax. So someone is providing false information. 

I want to know why my score dropped XXXX points. I expected my score to go down but not by that much.
Product: Debt collection

Requesting More Information for Account # XXXX To Whom It May Concern, im seeking more information about an account opened with your company. Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement associated with the sale and financing/leasing of this vehicle. Please include any arbitration provisions. 2. This is a Request for Accounting, please provide an accounting of the unpaid obligations secured by collateral for the transaction involving the account name and number listed above. That includes the monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. XXXX. The Notice of Sale / Notice of Default, informing me of the date, location, and method through which the vehicle would be sold and how I could redeem the vehicle and any other legally required notices. Please provide proof of mailing for these notices. 4. Explanation of Calculation of Surplus or Deficiency Balance, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 5. Any notices regarding my right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 6. This is a Request Regarding List of Collateral ; Is the only collateral securing this transaction the one vehicle on the retail installment sales contract for the account number/consumer named above, and there are no other vehicles or items that are used for collateral? If yes, please approve or correct if wrong. 7. This is a " Request for Statement of Account '' ;? Please approve or if not accurate correct and provide the correct amount that is alleged to be owed. 8. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/vendors only ) or open to non-professional buyers. Please do not forget to include the retail installment sales contract, arbitration agreement ( if any ) .We thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint to have these 6 fraudulent inquiries deleted off my credit file I have not checked my credit and I want these inquiries removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are fraudulent, I have checked my credit and now I have credit freeze, im asking for these inquiries to be removed asap, I am a victim of identity theft I would appreciate that these be taking off my credit report thank you! 

And no fraud alert, do not add a fraud alert, I have a credit freeze instead. 

Transunion please remove these fraudulent inquiries off my credit report im sending a screen shot of those inquiries and a police report that filed.
Product: Credit card or prepaid card

On XX/XX/2022, a charge was made for {$2600.00}. I never received the product and I called the company to file a complaint. The representative told me that they will credit my account. Then I received my credit card statement from XX/XX/XXXX to XX/XX/2022, and the charge was on the statement. I called the company back and they told me that I must go to the police station to file a complaint. I did not file a complaint with the police because I didn't know what to file. Now my credit score has been adversely impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in 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 items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX Experian, or the Furnisher of information to credit agencies is hereby revoked.

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and Experian are failing to uphold reasonable procedures.

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Money transfer, virtual currency, or money service

My bank account was emptied by a person who pretend to be my web security technician, when I signed up for a web security contract with a legitimate web servicing company called XXXX XXXX XXXX This perpetrator called said he's from XXXXXXXX XXXX XXXX company and has the same accent as the other persons in the company. Their telephone number is : XXXX. I had screen share with this perpetrator with my computer. When I found out my bank has been emptied, I contacted Chase and they said that they can not reimbursed my account because it was not their fault that my account was hacked. I have been a customer of Chase for more than twenty years. I was not treated well with this incident. They have insurance but they refused to help me. Please help me. {$43000.00} is a very large amount for me. That's practically all I have. I wanted to use this money to paid my one year back rent. Now I have to borrow money from my family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but experian XXXX and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions account.
Product: Debt collection

XX/XX/2021 {$320.00} Contacted about the wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$3900.00}
Product: Credit card

XX/XX/XXXX - Disputed charge and requested account closed. They sent me a new card. 
XX/XX/XXXX - Was told dispute in process, requested account closed again, was sent a new card again. 
XX/XX/XXXX - Was told annual fee being reversed as account was requested to be closed prior to fee being charged. 
XX/XX/XXXX - Annual fee reversal and dispute are not showing in their system, called XXXX times and call was disconnected when asking to speak to a supervisor each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed being unable to be identified by credit reporting agencies ( resulting in an inability for even XXXX to locate my file ). After calling XXXX XXXX from a company card, I found out that my previous business partner was using my identity to leverage a business card using my name and information. 

His name is XXXX XXXX. 

The billing address for the card was his address at XXXX XXXX XXXX XXXX, XXXX XXXX California. XXXX ( I believe ). 


I also noticed after experian finally accepted my identity that there were tons of errors etc. Accounts that are not mine and inquiries I haven't authorized. 

This has destroyed my creditworthiness and now my business which I started in XX/XX/2018. 

I would like to have this resolved.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX 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 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 XXXXXX/XX/XXXX