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

I responded to a XXXX ad on XX/XX/20 and purchased a XXXX painting via a Citibank credit card from a company called XXXX XXXX. The charge was for {$59.00} and my credit card statement said that the charge was from a company called XXXX XXXX XXXX XXXX ( not XXXX XXXX ). The only confirmation I got that the order was received was an email that said the order would be shipped as soon as possible and to be patient. I can't find said email. Please note that XXXX is also associated with a scam ( see attached ). 

I filed a dispute for the charge with Citi on XX/XX/XXXX as I wasn't sent a confirmation number or any other information concerning the order. I was also skeptical regarding the order being shipped from XXXX XXXX. The phone number for XXXX XXXX ( XXXX ) from their website is not in service, and the company did not respond to emails. 

Citibank required copious amounts of paperwork for a dispute to be filed, which I provided. 

I received a pre-printed ( not a XXXX ) canvas from XXXX on XX/XX/20. It was not what I ordered. The return address on the package I received was : XXXX XXXX XXXX XXXX XXXX, NJ XXXX I looked up this address and found this : CURRENT ALERTS FOR THIS BUSINESS Alert : XXXX has had significant complaint activity involving various businesses that have their orders fulfilled and shipped from this address. Mail sent to this address has been returned to BBB as undeliverable. XXXX has been unable to identify a physical presence in NJ for these businesses and can not process complaints. 

So, I didn't get the correct product that I ordered, the online company I ordered it from ( XXXX XXXX ) can't be contacted, the online company 's address per their website is in a different state ( Michigan ) than where it was shipped ( New Jersey ), the credit card charge was from a different company ( Ladiepops ) than the one I ordered from ( XXXX XXXX ), the shipper in New Jersey has a history of complaints and doesn't physically exist per the XXXX XXXX XXXX  and the credit card company resolved my dispute in favor of the " merchant ''. They suggested that I contact the merchant if I needed further resolution! 

Please advise as to whether or not I can appeal the dispute resolved by my credit card company in favor of the " merchant ''. I have an XXXX credit score and have NEVER disputed a charge on ANY bank or credit account other than this one.
Product: Credit reporting or other personal consumer reports

The federal government automatically transferred my students loans to XXXX 2 years ago from XXXX. There is a duplicate of the loan stuck on my credit report for XXXX.
Product: Debt collection

Rausch Sturm LLP Its from XXXX XXXX XXXX. Sued me without even offering me anything. I spoke to him once filing disputes and fraud paper work was being sent to them. But no response to my disputes.
Product: Credit card or prepaid card

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Mortgage

NewRez account number : XXXX We need our mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing to confirm that they have received our XXXX policy renewal documents for our homeowners insurance of which NewRez needs to pay from our escrow account. We had issues last year with NewRez claiming they had not received the proper documents etc which resulted in NewrRez telling us that they would be buying lender placed insurance on our home, NewRez did pay our XXXX insurance policy on XX/XX/XXXX. We would like to avoid receiving any letters this year telling us that NewRez will be buying Lender Placed Insurance on our mortgage. We ask that NewRez confirm receipt of our XXXX Homeowners Policy Documents from XXXX and immediately make a payment for the renewal of our XXXX Homeowners Insurance Policy. 

We have included our XXXX insurance renewal policy documents for our XXXX XXXX Homeowners Insurance Policy. NewRez should of already received the XXXX renewal policy documents for our homeowners insurance policy directly from XXXX ( the company that provides our homeowners insurance.
Product: Debt collection

My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX Experian at XXXX XXXX XXXX, XXXX, TX XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX furnished alleged transaction on my EXPERIAN CONSUMER REPORT, that you identified as late. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not rely to me stating that you are furnishing accurate information because we both know your not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX  account has become 90 Days Late XXXX XXXXcount has become 90 Days Late XXXX account has become 90 Days Late XXXX XXXXccount has become 90 Days Late XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint against all 3 of the reporting agencies last month XXXX XXXX  in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, XXXX XXXX transunion ) have reported information on me without pemissible purpose 15 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received information from another credit monitoring system my personal information was shared on the dark web. then i noticed inquires that I'm not familiar with, so please remove them. here are the list 1.ALLY FINANCIAL Auto Financing Company 2.XXXX XXXX XXXX XXXX Auto Financing Company 3.XXXX XXXX XXXX Automobile Dealers, New 4.XXXX XXXX. , XXXX XXXX All Banks - Non Specifics 5.XXXX XXXX/ XXXX General Clothing Store 6.XXXX XXXX XXXX Auto Financing Company 7.XXXX XXXX Bank Credit Card 8.XXXX Leasing and Rent Reseller 9.XXXX XXXX XXXX Automobile Dealers , Used 10 . XXXX XXXX XXXX Finance Companies - Non Specifics 11. XXXX Bank Credit Cards 12.XXXX Bank Credit Card
Product: Student loan

I now have {$860.00} of interest accrued showing up on my student loans with MOHELA. There was no accrued interest allowed during the pandemic as it was 0 %. I started back up payments in XXXX and now it shows that amount of interest. I called and was on hold for hours and hours without resolution. I spoke with one person who said its valid interest, but could not explain it to me as they were a trainee and could not get me with an expert. Please help, I dont believe I should have these interest fees. In addition, I was hoping to find out how many months of payments Im away from loan forgiveness thru XXXX, given I have been in repayment since 1999.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/year> -- {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several fraudulent and duplicate inquiries that were removed from my Transunion credit report. After the company had a glitch in their system, several of these inquires were reinserted back on my credit. I have contacted Transunion on several different occasions to have these inquired removed. The representatives refuse to assist in this matter. I have talked with supervisors on two occasions, as well, with no resolution. These inquiries were once deleted and a fraud alert was applied to my credit report. I never received written notification that these inquiries were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. I am currently in the home buying process and these inquires have caused a decrease in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Capital one has been my bank for many years. My direct deposits are normally available every other Thursday from my employer. This week it was not and when my wife contacted them since she also did not receive her paycheck she waited on hold for XXXX hours and then was told they know they are working to correct the problem but they do not know when it will be corrected. Our paychecks should have been available XX/XX/XXXX capital ones email from XX/XX/XXXX @ XXXX hours stated we should have our money by the morning of XX/XX/XXXX. It currently is XX/XX/XXXX and XXXX hours and they still are not available. The most recent update was that they dont know when deposits would be available but they were trying.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this Destiny Mastercard & XXXX XXXX XXXX  that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX without my knowledge and consent removed or deleted my XXXX ( XXXX  ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for XXXX to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. XXXX  has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX  ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.
Product: Credit reporting or other personal consumer reports

I asked National credit systems to validate alleged debt with a copy of contract and other information.this account is reflecting open and late which is inaccurate
Product: Credit card or prepaid card

We purchased a couch from XXXX XXXX. We were charged {$4400.00} onto our credit card on the XXXX XXXX when on the expected date of arrival. The delivery drivers were not happy with the walk up stairs and refused to deliver the couch. When we asked if we could help try to get it up the stairs, they said any damage would be on us. The couch would have fit, because we measured, but they basically refused to deliver and took it back to the warehouse. In our opinion they couldn't be bothered to get it up the stairs. Our card had a balance of around {$800.00}, but with the balance of the couch brought the outstanding balance to $ XXXX. We were holding off settling the transaction because the couch was never delivered. In the mean time they charged us a {$40.00} late fee. They later refunded the total couch amount of {$4400.00} but left us with {$87.00} interest for the purchase. Prior to purchasing the couch the interest was {$4.00}. When I asked them to refund the interest and return the late fee, they were only willing to return {$50.00} interest, and denied the late fee due to there being a balance on the card other than the couch transaction. Needless to say, the {$50.00} does not cover the interest. The drama surrounding the non-delivery of the couch put us out financially as we were left without a couch. We did not want to pay the card due to the outstanding balance and undelivered product. Capital one are using this to their advantage to get further funds from us with no product being delivered.
Product: Debt collection

After going over the validation letter There is nothing on there that i owe union flats. The rent on there says potential which means its what would be owed had I not moved out which there was a mutual agreement between site manager XXXX  regional manager XXXX XXXX and my section 8 worker XXXX XXXX for me to break my lease. Also in the letter it speaks about the carpet cleaning in the lease states that we can clean it or allow union flats to clean it and deduct it from the deposit. I lived there 2 and a half year and there was no damage to the walls, I didnt have small children and anytime i may have made a spot i would clean immediately so no reason to paint. XXXX XXXX XXXX XXXX XXXX XXXX in it which if replaced it would have come from my deposit being that i never received my deposit back nor was i awear of these charges, Ive not been there for two years. I sent a copy of the email to national credit system collection with the move out information. After a month of this company saying they did not receive my letter I finally got someone that said it was there in my file which was XXXX XXXX. After going over everything with XXXX XXXX she informed my that the attorneys are saying they contacted union flats who stated i chose not to accept there offer. I explained to XXXX XXXX i was the one who initiated the move out so there's no way they spoke to anyone at union flats because they would have seen the corresponding email between myself the site manager the regional manager and section 8 worker. Had i not gotten permission to break my lease from all involved and moved anyway I would have been kicked off the housing program. Still I was informed that the collection will stay on my credit report until paid or a payment arrangement was made. I was also informed that they would make it hard for me to rent anywhere else or establish credit with anyone as the negative mark will remain.
Product: Debt collection

On XX/XX/2020 Ar Resources put a derogatory mark on my credit reports for {$970.00}. Ar Resources didn't send anything to prove ownership. How can you say that you verified this account when I haven't even heard back from the collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried submitting and mail these documents supporting my disputes regarding the inquires.
Product: Credit reporting or other personal consumer reports

I previously submitted several disputes with Equifax regarding these inquiries, and after investigations, I received responses indicating that Equifax refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but Equifax consistently refuses to remove them and to provide me with documentation from the creditor. Equifax customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account s and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau to dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to respond within 30 days, or 45 days if I provided additional information. However, it has been over 45 days, and I have not received a substantive response. Instead, I have received multiple letters stating that they do not believe it is me making the request, despite having sent two additional letters confirming my identity and providing more information. I request that my account be thoroughly checked and the dispute resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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