23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX - XXXX XXXX XXXX paid {$34.00} I had gotten XXXX XXXX one day, and in my delivery instructions, I have included to not leave my food outside on the ground. I do this with every order, because the ground outside is filthy, and is just pure cement. I typically do not like my food sitting where animals track, XXXX, and XXXX on. 

So in my instructions, I always right to leave on the front porch where all they have to do is open a glass door and leave the food there. The XXXX that handled the XXXX XXXX delivery decided to ignore that note, and leave it on the ground in animal filth ( XXXX and XXXX ). 

Due to my XXXX, I have to be extra careful when it comes to stuff like this, so I had to throw the order away. I've contacted XXXX XXXX about the order, and they refused to refund, as they only care about if the delivery was made, not the quality of the food. 

I've made a dispute in CHIME BANKING, owned by the XXXX XXXX, to protect me in situations like this, as they usually do, and this time, it took a month for them to finally reply, and they denied the dispute. 

I furiously reached out, asking for a rebuttal, and supplied more information, and requested to be called multiple times, and each time, they deny the dispute and never call me. I've supplied all the information, I gave emails, I gave pictures, I told them that it's inhumane to expect a person to eat food where animals peed and pooped, and they still chose to ignore me. 

They refuse to refund me my {$34.00}, and they refuse to call me when I specifically request them too each time they deny the dispute. I will continue to rebuttal the dispute until I get my money back, or report it to the FTC for refusing to do so. 

They've denied my claim a total of 8 times, including the one from today. I sent them pictures, and the emails, where even XXXX XXXX apologized and said that they would offer the refund if they could, but because it's been over 30 days, they cant, and can only offer coupons. 

I was told by chime that if I send this to their investigations team, they would approve my dispute. They did not. 

Not only this, but I made a complaint to the XXXX XXXX XXXX. Chime LIED to the XXXX and stated that my complaint was directed towards XXXX XXXX, and not chime. I do not even own a XXXX XXXX  account. They are lying because they do not want complaints registered to their bank. It's shady tactics, and they have a history of doing this to other chime bankers, as seen on XXXX where a bunch of people had been wrongfully declined their dispute. 

Everyone recommends to contact the CFPB to help us, and so here I am making my claim as well.
Product: Debt collection

The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX on behalf of XXXX. XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

You drive LLC HAS Fraudulent charges on my credit account. Im not liable for this debt with any of these creditors I dont have a contract with them. They did not provide me with the original contract as I requested. Correction to my credit report. I demand these account be removed from my credit report
Product: Mortgage

Quality Loan Service, trustee for XXXX, has been holding up closing on a transaction, first by withholding a payoff, and now by not responding to our request for notice of error for the most recent payoff obtained. We obtained a payoff statement valid through XXXX and in anticipation to close XXXX ordered a new payoff in writing to them on XXXX. This payoff was not received until XXXX after numerous requested from both our law firm and the closing agent Attorney 's Title. The payoff quote was received and only valid for 2 days. The quote happened to incur a {$3000.00} new fee that we were requesting be looked into and since the request per XXXX XXXX XXXX ( b ) they have not yet responded. With the addition of this fee we are unable to close. We were anticipating closing based on the per diem and they have taken so long that fees just continue to accrue. Numerous phone calls to this trustee result in a voicemail and multiple emails are not responded to. The second lien is being shorted and the longer it takes for this trustee to respond, the more fees they are able to collect ultimately costing the consumer money. We need this looked into immediately.
Product: Debt collection

I received a letter in the mail from an attorney 's office in an attempt to collect on a debt owed to XXXX XXXX. I sent the attorney 's office a letter requesting debt validation. The attorney sent back a letter stating that they were no longer going to collect on the debt and would send it back to the original creditor. A few weeks later I received a letter from a debt collector ( State Collection ) attempting to collect on that same debt. I again sent them a debt validation letter ( XX/XX/20 and XXXX ) via certified mail. I have also sent letters to the credit bureaus and haven't received the requested information from the collection agency or the credit bureaus. I reached out to XXXX to obtain information about the bill and they directed me to State Collection Agency. I have no knowledge of this bill and it is listed on my credit report causing my score to drop drastically. I would like it to removed ASAP.
Product: Credit card or prepaid card

While I was out of state someone used my credit card and went on a shopping spree spending XXXX dollars in a day. Contacted TD bank and they denied my claim by saying it was my regular spending limit when my card has a limit of XXXX in total. I asked for an appeal and they didnt even take a week a day later they denied my claim again saying the card was used before in a legitimate purchase a while ago. I explained I shopped there before but I wasnt the one using it. They told me there was nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX, and XXXX. 

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

15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit card

Disparate treatment. 

They made it difficult to open the account. They wanted verification of income and identity. That was sent over XX/XX/2023, I have proof that I sent verification of the documentation. I also called to verify. 

I was already upset that I received a low credit offer and several of my XXXXn friends have XXXX, XXXX limits WITHOUT VERIFICATION AND A LOWER CREDIT SCORE.

I get a notice stating my account was closed. I called and the representative stated that she sees where the information was sent and it may not have got processed but theres nothing she could do. 

This is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. Please see attached file below
Product: Debt collection

Calls have began on my work phone number from people trying to collect from me and I have no idea what for. They say it may be for furniture or a pet. They are telling me that it is on my credit report, but no such things are on my credit report and i have not purchased a pet or furniture. Now they are contacting my co workers asking for me s well. I need this to stop. The phone numbers are XXXX and XXXX. They are calling my job all day long and when they do not get me on the line, they continue to probe others for my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's department store is reporting to the credit bureaus that an account has been closed and charged off but as of XX/XX/XXXX they keep updating the balance. To my knowledge if the account was closed in XXXX and charged off why is it still carrying a balance? This information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
those items above 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 accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Mortgage

XXXX XXXX and Rocket Mortgage are refusing to provide adequate insurance coverage for my insurance claim. According to XXXX XXXX, I no longer have coverage for the insurance policy renewed on XX/XX/year>. ( policy numberXXXX ) The insurance policy was paid for the entire year. 

I was told by XXXX XXXX that my policy was cancelled after I filed a claim. They are refusing to speak to my Public Insurance Adjuster to resolve this situation. They will not respond to my insurance adjusters phone calls. Both parties, XXXX XXXX and Rocket Mortage are committing fraudulent practices, due to the fact that they are not disclosing the required information to resolve my insurance claim. I was offered a {$4500.00} payment to satisfy my claim. This is unacceptable. {$4500.00} will be sufficient enough to cover the amount of damage that is filed within my claim. I reject this offer and I have decided to report both parties for fraudulent practices. 

Both XXXX XXXX and Rocket Mortgage will be held accountable for resolving this issue. In an effort to protect the people and ensure that fraudulent practices end with both companies, this complaint has been forwarded to the Georgia Department XXXX Banking and Finance and the Federal Trade Commission ( FTC ). 

XXXX XXXX and Rocket Mortgage will be held accountable for practicing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.
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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> I received an email from Chase Card Services that I had reached the {$15000.00} in purchases to receive a free night award and it would be submitted into my account " this month ''. It's been XXXX weeks and I have called them XXXX times and they have noted my account, so they say, and opened a " ticket '' but still nothing. I was told to wait XXXX weeks, which I did ( and is contrary to what the email states re : being in my account in XXXX ). Still nothing. Nobody ever responds to the " tickets '' and they acknowledge that nothing has been done and simply apologize. This offer is not only in the card holder agreement, it was also sent to me via email from them that I had exceeded the threshold to receive the free night. I told them I would like to cancel the card and they sent me to a queue that had a wait time over an hour. How do they get away with this?
Product: Debt collection

I spotted some un-authorized accounts and inquiries on my credit report.
Product: Checking or savings account

This company closed my account. There was unauthorized access to my account also, so I was not able to solve this matter. Instead, the company closed my account.
Product: Credit card

XX/XX/year> - capital one restricted my card- I called in and they removed the restriction, again I tried to use the card and the resiriction was in place. I then called back and then said they needed a picture ID and I ask them if this was a call center or bank - she would not answer and insisted on a pic ID. I have called 4 times and talked with managers and higher up and no one can help. XX/XX/XXXX I was transferred to a manager and we then both said that this could not be resolved without a pic ID. I ask them to close and reopen the account and they said no. We then with a live person went of the complete balance of the account and I then transferred the money to get the balance to XXXX and waited 2 more days before I called back in and verified that the account with a XXXX balance and ask again if there was anyway to remedy the problem without sending personal ID information out to them- again said no - we then verified again the account balance of XXXX balance and closed the account verified with an email even forfeiting my rewards on the account. Then XX/XX/XXXX we get a balance due of XXXX again called in and no help saying the account is closed and I owe the money - I have the verIfied account closed email and XXXX balance screen shot after waiting to make sure all this would not happen and it did anyway. now still having resolution problems after the fact.