23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello! 

I am filing a complaint against Goldman Sachs. 

Essentially, I had hired a marketing company to complete XXXX  for my website, XXXX 

The company I hired took {$7600.00} upfront on XX/XX/year>, then charged me again on for {$7100.00} on XX/XX/year>. At the time, my website wasn't completed with development, so there was no way for me to tell if they had done any adequate work. 

Fast forward a few months, I found out they plagiarized content from a competing website, utilized " XXXXXXXX XXXX XXXX tactics, '' and as a result, my website is marked as having a " suspicious backlink profile, '' and has seen XXXX organic traffic. 

I reached out to the company, expressing my concerns ; however, they were unwilling to issue any refund. 

I filed for a chargeback with Goldman Sachs for services not as described and provided over XXXX pages of proof, including XXXX website audits from third-party XXXX  companies. 

However, after nearly 90 days of Goldman Sachs investigating the claim, they ruled in favor of the merchant and said the following : " We reviewed available information which confirms that you authorized the purchase with the merchant. '' I am filing a complaint because I have spoken with a variety of people, including over XXXX marketing companies, all of which urged me to file for a chargeback. However, Goldman Sachs ruled in the merchant 's favor, and their reasoning doesn't even align with the reason for my chargeback in the first place.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX *MY middle name is : XXXX XXXXMy last name is : XXXX *My Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze
Product: Credit reporting or other personal consumer reports

Good day! I am presenting this complaint to you as the assurance that the Credit Bureaus will REMOVE these accounts listed in this complaint that were reporting in my Experian and XXXX Credit Reports. I am just following up for my previous complaint. I am kindly asking the Experian and XXXX Credit Bureaus to please remove these remaining listed accounts from my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has said that I owe a debt that was discharged and paid by the city during the pandemic. I applied and was approved for rental assistance during the pandemic. Before I found out that the rental assistance was approved the apratments and I agreed to turn over the unit to them. I was never late on my rent prior and had been making partial payments on rent due to being XXXX XXXX XXXX XXXX XXXX. After we agreed for me to turn the unit over instead of filing an eviction. I turned the property over and the next thing I know I have a debt from the property when they were already made whole multiple times. Through the XXXX rental assistance program, and from me turning over the unit to their possession. I have attempted to explain this to this debt company multiple times they wont remove the debt from my credit report and continually increase the amount owed by adding interest every few weeks. This is a fraud being committed against me and I would like relief please.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the account referenced above, which has been reported to my credit file. I believe this account is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Reporting ( 15 U.S.C. 1681b ) : Under the FCRA, I am entitled to accurate information being reported. The details of this account are not correct, and I request that you provide verification of the debt.

Consumer Reporting Information ( 15 U.S.C. 1681b ( 2 ) ) : I assert that your reporting does not meet the requirements stipulated in this section, as you have failed to provide a permissible purpose for obtaining my consumer report.

Validation of Debt ( 15 U.S.C. 1692g ) : According to the FDCPA, I request that you provide verification of the debt, including the amount owed, the name of the creditor, and documentation that supports your claim. Without this information, I will consider the debt invalid. 

Cease Communication ( 15 U.S.C. 1692c ) : I request that you cease all communication regarding this account until you provide the necessary validation as outlined above. Continuing to pursue this matter without proper validation may constitute harassment under the FDCPA. 

Please respond to this letter within 30 days of receipt. If you are unable to provide the necessary documentation, I request that you remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Fifth Third Bank, I was offered an Early Access Account with a credit limit of {$1000.00}. I fell behind due to illness and agreed to make monthly payments in the amount of XXXX. I've made all payment and sometimes I paid more than the agreed amount. I called in on XX/XX/2020 and left a message, for a payment to come out of my checking account in the amount of {$40.00}. I never received a call, letter, or text stating the payment had not been received. On XX/XX/2020 I noticed a Funds Transfer in the amount of {$280.00}, I called customer service and was transferred to the charge off department, where payments are made. I spoke with XXXX at XXXX XXXX and was told we didn't get your message therefore there's nothing you can do about it. I ask if there was someone else I could speak with and she told me, I'll transfer you to me supervisor. I ask for the supervisors name and I was given " XXXX '', I left a message once again explaining I had left a message ask for her to return my call. I did not receive a call today, XX/XX/2020, but another funds transfer was withdrawn from my account in the amount of {$350.00}. Both of these charges were not authorized, I was told that a different company handles the charge offs however, there answer the phone Fifth Third Bank EAX Charge off Department at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a deferment XXXX and XXXX, however my account keeps bouncing from XXXX to XXXX as being late. Can we please fix and update my credit. GM Financial is not trying to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX    , I applied for a mortgage loan. The lender pulled my credit reports and notified me of  XXXX  collections being reported, which I am certain do not belong to me.     On   XXXX   XXXX   XXXX   I mailed a letter to the information furnisher requesting debt validation.     On   XXXX   XXXX   XXXX   I faxed personal identification documents to Equifax including a copy of my driver 's license,  XXXX , and utility bill.     On  XXXX   XXXX   XXXX   XXXX   I   mailed a letter to Equifax disputing both collections as errors. I informed Equifax that the accounts were not mine. I also advised them I had already contacted the information furnisher to request debt validation, which they had not provided to date.     I received the dispute results from Equifax dated   XXXX   XXXX   XXXX    . For both collections, Equifax stated We verified that this item belongs to you.     Since I never received any response from the information furnisher directly, I wanted to know how Equifax was able to verify these erroneous items. On  XXXX   XXXX    XXXX  , I mailed a letter to Equifax, requesting the method of verification and contact information of the person who verified the accounts.     I received a response from Equifax dated  XXXX   XXXX    XXXX  . It was a description of the general procedure Equifax often uses to investigate disputes, but did not provide any details regarding my specific situation. Equifax ignored my request for the name and address of the person who verified the accounts.     I  do not believe that Equifax conducted a sufficient investigationor any investigation at all. I would like them to provide me with specific information about how the accounts were verified ( including documentation used ), as well as the name and address of the person contacted at the information furnishers company. If Equifax can not provide these details, then the only acceptable resolution is deletion of both collection accounts from my credit report.
Product: Credit card or prepaid card

I have a Credit Card account with Capital One. Opened 6 months ago. I have not had access to my account nor been able to use the card for the last 5 months. I have been told my account was restricted. I disputed an unauthorized charge on my account and the dispute results were found in my favor. It wasn't until I disputed the charge that my account was restricted & I was asked to verify my identity. I have been asked to re-verify myself by means of identification which I have done prior to establishing any accounts with Capital One. In order to establish accounts this information must be provided so I am very much aware that my identity thru my social security number & proof of residence was given on my credit application which was approved. It has become very embarrassing having to Prove my identity time after time just to maintain an active and unrestricted account. I am not even able to make payments on my account which in turn affects my credit score with Capital Ones reporting to the Consumer Reporting Agencies. I have Called several times in order to have this issue resolved. I've been verified by multiple agents already in this situation & yet I still have no regained any access to my account which I was approved for a credit limit of {$2000.00} I have not went over my credit limit & the interest charges are adding up to more than I've actually spent on the card. When I call Customer Service to get help or speak to someone who can assist me, I'm told that I have to resubmit my identification each time I call. This seems to be a targeted thing for me due to my mother & brother also having accounts with this Bank & not having to go thru the same ordeal as I do. My girlfriend is also a customer of theirs and she's XXXX I've personally sat next to her 4 times and recorded how quickly she's able to gain access to customer support. This has truly affected my credit score, my banking relationships & my Ability to stay on time with my monthly payments made to this bank for a credit account extended to me. The results of the dispute were in my favor I do not understand why I still have to verify the identity of myself when I am who I claim to be.
Product: Credit card or prepaid card

I have a Macy 's card funded through Citibank. I travel a lot for my job and on a few occasions I have missed a payment on the card which incurred a late fee. In an effort to avoid that, I set up the payment to be taken automatically from my checking account on the XX/XX/XXXX of every month, the due date of the card. Recently, I noticed that the balance on the card was not going down and after carefully inspecting one of the statements, I determined that I was being charged a late fee. I called the company and they put me onto the Credit Department, who advised me that my due date was changed to the XX/XX/XXXX of the month and that an advisory was sent via e-mail. In addition, it was determined that I have been charged a late fee since XXXX 2015. I received no such advisory regarding a change in due date and I would like all late charges refunded to my account including all associated finance charges from that period. This is more than {$1000.00}.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts I asked to be removed : To : XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove Unauthorized Hard Inquiry from XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally request the removal of an unauthorized hard inquiry made by XXXX XXXX XXXXXXXX from my credit report. Upon reviewing my credit report, I noticed a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

Please be advised that I have not applied for any new credit with XXXX XXXX XXXX nor have I given permission for this inquiry. I respectfully request that you remove this inquiry from my credit report as it was made without my consent. 

To assist in this investigation, I have included the following information XXXX XXXX XXXX XXXXXXXX Hard Inquiry Date : XXXX XXXX XX/XX/XXXX XX/XX/XXXX My Full Name : XXXX XXXX My Address were included My Social Security Number were included Enclosed, please find a copy of my drivers license and a recent utility bill as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my credit report. As this inquiry was made without my permission, I request that it be removed and that a confirmation letter of the removal be sent to my updated address. 

Thank you for your prompt attention to this matter. If you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX Enclosures : 1. Copy of drivers license 2. Copy of recent utility bill
Product: Credit card or prepaid card

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the CA and creditor this not my account. I never signed application. The card was open in XXXX which XXXX club was made aware about it. They called the number of XXXX which my credit was change and PIN numbers with credit agencies was stolen. XXXX XXXX XXXX is the person using my name which I told XXXX fraud department he open the account and other account in m name.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX, XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. XXXX. The source of the inquiry. XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. XXXX. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and amount. these account says closed open. 

Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus. 
Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.
Product: Checking or savings account

Several of my bank accounts were Frauded and invaded several times Bank of america XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Under my social security # XXXX the very last incident Was from XXXX XXXX XXXX XXXX Nj XXXX XXXX home owner and XXXX XXXX and XXXX son Computer programmers hackers and Scammers XXXX is a script kiddy And ring leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX have switched my account from bank of america to XXXX i am a XXXX resident Of georgia and they reside in nj also hacked my atm card and transactions Along with cancelling my health insurance contact me by mail only XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX For 7hrs of continuing details in progresd.
Product: Credit card or prepaid card

Sears mastercard states in writing that they ran my credit without my prior approval and reduced my credit limit from {$6000.00} or {$4100.00} based on a fraudulent basis see their note below : Our review was processed by a credit scoring system that assigned a numerical value to various items on your account ( s ) with us and your credit report I never authorized them to re-run my credit report after the initial credit application this is 3 years after the account was opened.
Product: Debt collection

I have been disputing a account on my credit report from Healthcare Collections LLC. On XX/XX/2018 i sent a letter to HealthCare Collections LLC certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from HealthCare Collections LLC within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.