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

I placed an order using my Apple Card with a merchant on XX/XX/XXXX in the amount of {$310.00} The order never came despite the tracking showing it was delivered inside of my mailbox despite the fact that my mailbox wouldn't be able to fit any sort of packages. I then had proceed to contact the merchant for support which they didn't hence why I initiated a dispute with Goldman Sachs on XX/XX/XXXX as the merchant wasn't doing anything regarding my missing order or providing support. Faster forward a month on XX/XX/XXXX I get an email saying the dispute is resolved in the merchant favor due to the " evidence '' provided by merchant proving I made the purchase. Here 's one of the first thing that is off as I never opened the dispute due to a fraudulent transaction or unrecognized charge but for my order never arriving yet Goldman Sach claims this to be their reasoning to closing the case. I then reached out to Goldman Sach furious about this for a response and was told the case would reopening the following Monday ( I'm providing chat history and other relevant documents to prove these claims as well ). Anyway after this I followed up and then this agent now instead tells me he can check if it could be disputed, backtracking on what I was told earlier and being mislead and said he would if it could be disputed. Shortly after he says it can be disputed and I would be contacted with a response. As you guess I never was contacted with any response and had to follow up myself TWICE regarding this and had gotten a new different response from what I was originally told and now was being informed I can't reopen the dispute since it was " resolved '' basically misleading and lying to me for the past couple months. I've also repeatedly asked for the evidence used in their determination of closing the case as I have the right to see these under the Fair Credit Reporting Act yet they've been neglecting on providing me on such documents so that I may not dispute it any further purposely. 

In the end I was constantly lied about the case being reopened, never had a clear communication with Goldman Sach, never got the item I paid for and being charged fully due to Goldman Sach incompetence and sheer ignorance with the matter, closed the case on a completely different issue that I never expressed towards, the agents don't ever tell me their names and finally they never provided the evidence that was used in this case as they should have under Fair Credit Reporting Act. I've forwarded to the Goldman Sach a documentation and the tracking of my issue and they never even bothered to do anything about that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collection agency put a collection on my credit report even though I disputed the collection multiple times. I asked them for evidence that I owed the funds and their response was the company said they never received the check from rental assistance. I provided evidence from the county that they received and cashed the check as well as rental payments and my security deposit that was kept by the company. I want to be compensated due to the fact that this is still on my credit. After they said they would remove it! I have waited in months and Ive tried to be nice and communicate with them. Either they compensate me and remove it off my credit or I will be forced to file in small claims court with my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't I recognize the inquiries listed below, nor do I have accounts associated with them. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a kohls credit card that was opened in XX/XX/2013 lost my job and didnt pay it the account went to a charge off i paid the full amount and atill shows charge off
Product: Debt collection

I opened an account with Commenity Capital Bank in XXXX, 2021. I forward my payments every month, but they have been posting the payments to the wrong account. I have made five payments ; they have posted three of them to the wrong account. They then call me repeatedly asking for the payment. I have sent numerous letters to them in response, but they are still posting the payments to the wrong account. This account was set up to be paid in 24 months, and as long as all of my payments are received in time, the bank can not charge interest or late fees. I am in jeopardy of being charged interest and late fees because the bank continues to post the payments to the wrong account. Also, I am being harassed by their employees calling demanding payment, which I have sent.
Product: Debt collection

To Whom It May Concern, Account Number : # XXXX / RSH & Associates LLC. 

Reviewing my annual free credit report, ive notice RSH & Associates LLC negative account on my credit report. I have never heard, never signal a legal binding contract with RSH & Associates LLC or I have never heard or received any documentation from RSH & Associates LLC.  Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope from RSH & Associates LLC. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from RSH & Associates LLC referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), RSH & Associates LLC is NOT following guidelines of what constitutes proper debt validation. I have NO contract with

RSH & Associates LLC, I am not obligated to buy for the alleged debt RSH & Associates LLC is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and RSH & Associates LLC a
ccount is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
Product: Checking or savings account

My wife and I have a joint account with US Bank and have noticed that our account has some strange transactions such as another withdrawal of {$73000.00} under the other withdrawals section on the XX/XX/year> summary. We had a balance of {$91000.00} on XX/XX/year>. My wife gets a child of {$1700.00} bi-weekly deposited in the US Bank and my work check usually averages around {$3200.00} a month deposited in the US Bank. That is about {$6500.00} a month, enough to pay our bills. But recently the account has been showing differently with our bills being paid our bills are usually {$3400.00} a month and we don't have any other expense to account for the money to cause the bank to show for the withdrawal. Will you please investigate this matter? Enclosed are bank statements from XXXX to XX/XX/year>. Thank you.
Product: Consumer Loan

There is a car loan on my credit report that does n't belong to me. I 've contacted Capital One about it and nothing was done. I 'm considering seeking the help of a lawyer.
Product: Debt collection

They are reporting that I owe thousands of dollars for rent for a based on income house if that I was living at for free. This is Tremendously devistating and brought my credit down. I have request validation multiple times n have not received it
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. My latest credit report shows 18 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. Please have these unapproved inquiries removed from my credit report as soon as possible, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX  Account number 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 reporting, credit repair services, or other personal consumer reports

XXXXXXXXXXXXXXXXXXXXXXXXXXXX,OHXXXXDOBXXXXSSXXXXMyinformationisclearlyshownabove.Afterthiscreditfreezehasbeenfiled,pleaseforwardmeawrittencopyofmyfullreporttotheaddressIhaveconfirmedabove.
IwouldliketorequestasecurityfreezeplacedonmyConsumerDisclosureReport.
Ichoosetoopt-outofyourdisclosingfutureinformationuntilfurthernoticeincludingtheCreditReportandotherfurnishedinquiresregardingallpersonalinformation.
Thissecurityfreezerequestnotonlyrestrictscreditbureausandcreditors,butalsofuturepotentialemployersuntilIliftthisrestriction.UndertheFairCreditReportAct,youarerequiredtocomply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$45.00}
Product: Debt collection

I received a collection bill from XXXX. They are stating that I owe them XXXX due to breaking a contract, when I wasnt under a contract. I lived in XXXX for 3 years. During that I time, I used XXXX for internet and cable. I moved to TN  and XXXX does offer services in this area. When I spoke to XXXX, I asked from a copy of the agreement that I supposedly made but didnt hear back from them. They sent the collection notice to Credit Management in XXXX, TX.
Product: Student loan

When I graduated college XX/XX/2014 I was under the belief that my loans would n't be due for 6 months after graduation. I remember getting a {$0.00} Due letter monthly from Navient for about a year. I believe this was intent to raise my total due without me realizing what was going on. I would check on that loan monthly, and then one month they billed me and said I had missed two payments. Totaling roughly {$800.00} with no warning on my account or through the mail. I am doing everything in my power to get these loans paid off but I feel them dragging me further down. After reading other complaints I know I 'm not alone.
Product: Credit reporting or other personal consumer reports

This was my sixth time to complaint to you, to inform you that I want to do a follow up in the status of my request to remove these remaining inquiries in my Experian and XXXX XXXX XXXX. I was hoping eagerly expecting that in my next update of my mentioned credit reports, I am expecting that these listed inquiries here will no longer be present in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in process of trying to do this and other things so not a complain but some things may be needed to resolve the issue so I hope that it is resolved soon
Product: Credit reporting or other personal consumer reports

I was notified that someone requested a XXXXXXXX XXXX XXXX  through XXXX XXXX, and it wasn't me. As soon as I found out, I notified the banks and credit bureaus. I was told that in order to get this resolved, I need to get a letter for you all and then send to the credit bureaus. XXXX XXXX  has closed the account, and I will not be penalized for anything, but I will need this removed off of my credit ASAP. 

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

Company is fraudulently adding new remarks of false information onto my credit report.
Product: Credit card

Was offered a best buy credit card ( citibank ) in 2014 to purchase a TV for {$1200.00}. Signed up for the 24 month interest free path. I was told if I paid this balance off in 24 months, it would be interest free. However, they did not tell me that if I bought anything else on the card, they would pay that before my interest free balance. So, here I am thinking I am paying off my TV by making monthly payments on time of at least {$100.00} for 24 months. I have just learned that I still have a balance of {$930.00} on that TV plus a pending interest charge of {$700.00} in 26 days. I know that this is my fault as I should have spent more time on tracking my payments, but I feel that best buy should have been more diligent in making sure the consumer understands the rules and that Citibank should be liable for yet another scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

*To begin, I would like to ensure you have and ONLY hold on to Current, TRUE, CORRECT, COMPLETE, and MANDATED recorded information According to FCRA regulations, any and all others that might be believed now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul for good and immediately any and all deviant of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious info be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( b ) I do NOT have any needed OTHER addresses and I do NOT aspire for any OTHER ADDRESSES to be retained or reputed, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( c ) I do NOT have any required OTHER SSNs and I do NOT yearn for any OTHER SSNs to be retained or supposed or elsewise revealed, if ANY eliminate NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s )..

( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to b e retained or divulged, if ANY blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).

( e ) I do NOT have any telephone numbers and I do NOT desire any telephone numbers to be retained or rumored, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT desire any employers to be retained or communicated, if ANY obliterate from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
Page 1 of 7 ( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT long for any spouses/ roommates/ co-applicants to be retained or announced, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

I provided the list- XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights 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 written instructions
Product: Debt collection

I have been violated by Experian. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Experian has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Experian admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.
Product: Checking or savings account

During my time as a consumer with Navy Federal Credit Union, I was charged several times for for overdraft fees without notice and when my account didn't have suficient funds due to hardship.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, A has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

I am requesting this information be removed from my consumer reports immediately.
Product: Debt or credit management

Lexington suppose to have helped fix my credit. They were paid a substantial amount of money and didnt do not XXXX thing to repair my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Equifax, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, they all consistently respond 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Equifax, and XXXX comply with federal law and provide consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have a credit card from Capital One. Up until recently I have had a good experience. That is because on XX/XX/XXXX when my monthly statement usually generates they sent me an email saying my due date was being changed from the XXXX of each month to the XXXX of each month. I did not and would not request this. They arbitrarily decided this due to " system upgrades ''. I have read where Capital One was recently attacked by an online hacker. However, when I called their customer service the agent I talked to didn't say what those system upgrades were for and really didn't act like he knew much of anything. In addition, each XXXX I am charged a {$60.00} annual fee. So, now with this due date change which makes my next due date as XX/XX/XXXX I will probably have double interest charges plus the {$60.00} annual fee which will all come to close to a {$200.00} payment due which is unreasonable. If Capital One has to institute system upgrades because of a hacker I shouldn't have to pay for it. They said in their email I can request another due date but it will take 1-2 billing cycles to take effect. I have done that but they do not offer the XXXX of each month as I have had. I have had to request the XXXX of each month instead. I feel this is totally unfair to me and even unlawful. How can they just arbitrarily do this causing me financial difficulty? And, if I don't pay right on time I will get hit with a {$36.00} late fee. I get monthly SSA on the third Wednesday of each month and have been able to make timely payments. Now this throws everything off and, frankly, I feel they know this. Also, I have had this card and these annual fees since around 2011 and have requested at least twice to have that fee waived and they keep telling me I am not eligible. Yet, they have increased my available credit two years in a row.