23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Made a purchase on Apple Card on XX/XX/2023 in the amount of {$71.00} in which no product was ever received. I tried to order frozen seafood from XXXX which was promoted on the XXXX website. After placing order and receiving no receipt or shipping info I reached out to vendor and never received any response. The " XXXX '' website has since been taken offline. 
I submitted a transaction dispute to Apple/Goldman Sachs which stated that I never received any communication nor product from the vendor along with multiple screenshots of other users reporting issues with this vendor. A XXXX search will show that this vendor is indeed a scam, see : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX # XXXX & XXXX Goldman continues to reject this claim and submission as a fraud claim even though they openly admit they have received NOTHING FROM THE VENDOR to support their claims. I have invested HOURS of my time calling and emailing Apple aka Goldman Sachs and have gone in circles as their customer service agents aren't empowered to do anything and it's an endless game of circles. I recently saw a news report in XXXX XXXX XXXX that mentioned CFPB investigating similar Goldman practices and wanted to submit this complaint as my personal experience exactly mirrors the allegations in that article. 

As of today, XX/XX/2023 I am still trying to resolve this transaction dispute 6 months later from XXXX. In my XXXX years being a credit card holder I have never experienced this level of difficulty in working with a credit card provider. It is clear that Goldman has zero intention of protecting the consumer and has done XXXX to investigate my claim on the fraudulent vendor side -- they are obviously rubber stamping all of the charges and making it impossible for the consumer to remedy. 

I am asking for the CFPB 's help in resolving this dispute. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was told that the charge off on my credit file was accurate by all three credit bureaus. I asked them to please make sure everything pertaining to my credit report is correct. Iam disputing inaccuracies on all three credit reports. 
XXXX XXXX Account-XXXX, date openedXXXX, amount {$720.00}. Paid closed. 
XXXX-Account-XXXX, date opened-XXXX, amount {$5000.00}. 
XXXX-Account-XXXX, date openedXXXX, amount {$780.00}. 
XXXX XXXXXXXX XXXX-Account-XXXX date opened-XXXX, amount {$550.00}. 
XXXX XXXXXXXX XXXXAccount-XXXX date opened-6/10/2022, amount {$1000.00}. 
XXXX XXXX-AccountXXXX  date opened-XXXX, amount {$300.00}. 
Please provide me these items I previously requested according to the FCRA laws. 
These Items are : Account information, amounts, full validation of each account, the original contract with my signed signature for each accounts, a payoff disclosure, interest rate disclosure, balance history and credit insurance by law.
Product: Debt collection

I move out from my apartment, I move to a different state. I terminated my lease. The apartment complex charge me early termination fees and more. The manager of the apartment sent out final bills to the wrong address, I never received a final bill from them or phone call. Years later I check my credit report and I notice a collection company trying to collect in behalf of the apartment complex. I did not denied that account is mine. They are charging me {$6600.00} dollars in termination fees and other fees. However, I have a Lease Contract Addendum that states I will only pay {$2100.00} as a early termination fee. They waived their right to charge anything else. I 've tried for a long time to get this corrected and the collection company will not call me back, i leave voice mails and no reply back. They just reported to the credit reports again XX/XX/XXXX that I still owe {$6600.00} dollars but they wont call me back. They keep damaging my credit and because of them I can not buy a house. I need them removed out of my credit. They do n't want my money then close the account and have them stop reporting negative incorrect information to my reports.
Product: Debt collection

I have spoken to the Kisor Associates several times about payments. They stated that they have been receiving payments however I just was notified by a friend from a previous address I used but did not reside at they were taking me to court. The first notification was sent to my permanent address in XXXX. Now in XXXX they used an address I have never resided at, luckily my friend still resides there to inform me. The company wants to know my personal information which I believe is not necessary due to me paying them bi weekly,
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting accounts delinquent on my credit report when there not mine ..I was a authorized user on my moms credit cards and got taken off now there saying I have delinquent accounts when there actually my mothers Ive called the company several times but they never answer but i am not on her cards any more and this shouldnt be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments- JPMCB violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ).
Product: Credit card or prepaid card

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that theyhave deliberately violated my rights in more than one way which is punishable by law.
Product: Debt collection

They call me before XXXX threating to send me to jail I do n't pay, its constant, I 've asked them to stop but they wo n't quit calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX credit card account # 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 an 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 any purpose
Product: Checking or savings account

On XX/XX/XXXX I received an email solicitation from Citibank, with Invitation Code : XXXX, to open a Citi Accelerate Online Savings Account and receive a bonus if deposit minimums were met for a period of time. 

On XX/XX/XXXX I followed through with the Citibank email offer and opened a a Citi Accelerate Online Savings Account. 

I also deposited new-to-Citibank funds in the amount of $ XXXX into that account and kept that amount in that account for the period of time to meet the bonus requirements, which was, make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. 

On XX/XX/XXXX I called Citibank looking for my {$450.00} bonus that was overdue and was informed after filing a dispute, that I was not eligible for the bonus due to my account type. 

I do not agree with their decision since I followed their solicitation to open the account under the promotion that they presented to me. 


Parts of the Citibank email to me contain verbiage similar to the below : " As a cardmember, you can save fast and open a Citi Accelerate Online Savings Account with easy signup. 

Citi Logo XXXX XXXX XXXX since : XXXX | Account ending in : XXXX Citi XXXX XXXX XXXX Earn up to a {$450.00} bonus* plus grow your savings with a 3.85 % annual percentage yield* XXXX  as a Citi cardmember XXXX you already get benefits like acceptance at over XXXX XXXX locations and {$0.00} Liability on unauthorized charges. Now you can grow your savings fast with this special offer too. Reach your savings goals fast with a Citi Accelerate Online Savings Account. Earn a cash bonus of up to {$450.00} after completing required activities + Grow your savings with a XXXX XXXX annual percentage yield* Save at XXXX the national average rate when you open a Citi Accelerate Online Savings Account - there's no initial minimum deposit required to get started. 

As a loyal Citi cardmember, you can earn a {$150.00} or {$450.00} bonus with this offer. Make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. 

Minimum Deposit & Minimum Balance Cash Bonus {$20000.00} - {$49000.00} {$150.00} {$50000.00} or more {$450.00} Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. 

Best of all, it's never been easier to get started open an account online with easy signup. 

Apply Now *See Terms and Conditions Invitation Code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Letters to the CRA on these Dates : XXXX/XXXX/2020, XXXX/XXXX/2020, XX/XX/2020 Amount : {$3700.00} I am writing this due to non-compliance with the Credit Reporting Agency -Equifax They have failed to remove information that was affiliated with this account that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

Capital one bank does not want to release all of my payroll checks. They have been holding my money and froze my account since a XX/XX/XXXX. They released part of it, however not all of it, and they claim to be investigating the account, however this does not give them any rights to my payroll checks. At this time I need my {$1100.00} released and they need to give it to me now- I was fired because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use and inaccurate use of credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine
Product: Debt collection

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Hello my name is XXXX XXXX, I am writing you in reference to a situation in which my affiliation through the auto finance company called Credit Acceptance Corporation has persistently dropped my credit score and caused me financial hardship. After much effort to correspond respectfully and amicably, with honest and genuine intentions of coming to an agreement that would remidy the negative information reported to all three credit bureaus. On XX/XX/2018, my employment contract ended as a pilot and there was a three month period in which i was unpaid before my first check from my current place of employment was received. After my payment in XX/XX/2018, I contacted Credit Acceptance Corp. to explain and warn them of my empending and inevitable situation, in an attempt to come to some polite agreement that would eliminate the possible late payment from hitting my credit score and possibly paying more in XX/XX/XXXX  to catch up in good faith. To no avail ; I was rejected, and told that late is late, and there was no options for me. I paid them late one half the full payment, and struggleing to pay half, I was able to scrape the money up to pay half, after paying half the full monthly payment they reported to the bureaus that I was 60-90 days late a full payment which is incorrect. I have opted to submit a complaint with the CFPB in an effort stop the situation from worsening. I have called and on all three occasions been rudely turned down put on hold for as long as 45 minutes only to be told that whats done is done and there is nothing that I nor they could, or would do to reverse or rescind even lessen the impact of my late half of one payment. I am an upstanding, morally sound, honest American that I believe contributes positively to society. The customer service phone number is XXXX headquarters located in XXXX, MI. I am asking for help because I am unable to catch up on late bills with even the smallest consolidation loans with my current credit score impact, I have no where to turn for help, moreover the longer it negatively affects my credit, the longer I am unable to improve my situation or my dignity. 

Kind regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by XXXX that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from XXXX I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with XXXX, XXXX, and Transunion. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.
Product: Debt collection

I have been contacted by convergent in regards to a collection account that is supposedly owed by me. I have yet to receive any type of legally binding signed contract that the debt is mine. There is no contract that this debt is owed by me. Out of good faith, I agreed to pay a small amount towards this bill until this issue is resolved. The first payment of {$30.00} was deducted on XX/XX/XXXX. I am requesting this debt be validated by a signed contract.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Unfortunately, its been a good while since I have had personal occasions in which I was not given a chance to confirm where my sendings were off too and lost some sort of money. Please assist in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ALL ATTACHED VIOLATIONS AND CASES PERTAINING TO MY CASE
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These companies have fraudulently pulled my credit without my authorization. I do not recognize any of these inquiries. I have spent a lot of time trying to reach out to these companies and they do not respond to me with proof that I opened these inquiries. I believe these are fraudulent and I am a victim of identity fraud. I am demanding these inquiries be immediately removed or I will take legal action. I am also filing an FTC report. Please help me get these removed, thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Whom It May Concern, I hope this message finds you well. I am writing to you today concerning my account with XXXX. First and foremost, I want to express my gratitude for the service and support your company has provided me. It has always been my intention to maintain a positive relationship with you, and I genuinely appreciate the assistance I have received in the past. 
However, I find myself in a difficult situation regarding my credit report. Unfortunately, I experienced some challenges during incarceration. Despite my best efforts to keep up with my payments, I fell behind, and a late payment was reported in XXXX of XXXX. I fully understand that these late payments were my responsibility, and I cant stress enough how much I regret missing the deadlines. 
Since that time, I have taken significant steps to improve my financial situation and ensure that all future payments are made on time. This experience has been a wake-up call for me, and I have learned valuable lessons about managing my finances more prudently. I am committed to fostering good credit behavior and maintaining a positive history moving forward. 
I am reaching out to kindly ask if you would consider removing the late payment notation from my credit report as a gesture of goodwill. I realize this request is outside your usual policies, but I hope that my previously consistent payment history and the corrective actions I have successfully implemented might persuade you to grant me this opportunity for a fresh start. Removing these late payments would greatly help me navigate my financial responsibilities and ultimately enhance my credit score.

If you could find it in your heart to assist me, it would make a world of difference in my life. It would not only allow me to pursue better financial opportunities but would also reaffirm the faith I have in your organizations dedication to customer support. 
Thank you very much for taking the time to consider my request. I genuinely appreciate your understanding and compassion in this matter. If you have any questions or need further information, please do not hesitate to contact me at XXXX or XXXX. 
Warmest regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XXXX XXXX$13000.00} XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XXXXXX/XX/year> {$13000.00} XXXX XXXX XX/XX/year> {$13000.00} I never gave written consent to any of the following financial institutions to inquire about my credit history per 15 U.S. Code 1681b - Permissible purposes of consumer reports 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. They need my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit reporting act. The List or accounts below Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 : XXXX, 2 : XXXX XXXX, 3 : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance Owed : {$85.00} XXXX  XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$6300.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit reporting or other personal consumer reports

I leased a new vehicle XXXX Honda XXXX through Honda financial in XXXX for 2 years and not reported. 

Leased a new Honda XXXX through Honda financial in XXXX and for 2 years it was never reported account # XXXX XXXX Honda XXXX Account # XXXX XXXX Honda XXXX