23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX, XXXX, 2024 I ordered XXXX meals on XXXX that I did not receive, instead I got something I didnt order. I immediately reported this to XXXX and they investigated it and then told me XXXX ineligible due to my account history, but I have no idea what that means because they didnt give me any other explanation. I showed them proof of what I had received and told them to contact the dasher because he can attest that he gave me XXXX order of something completely different, and was still denied a refund. I filed a dispute with chime my credit card, and was denied because they state there was no billing error which is not what I said. I told them that I hadnt received what I ordered, not that there was a billing error. I even told them I showed XXXX proof, and they supposedly contacted XXXX so XXXX not understanding what the issue is with giving me my money back. I have this issue with XXXX occasionally where the dasher either will leave my order at another apartment and it will get stolen, or my order has been stolen by the dasher themselves even when they take a picture claiming they left it by my door. XXXX uses this to say that I had enough refunds or too many complaints, even though I only refund when I either dont receive my order or if the order has quality issues. I dont know what else to do to get my money back.
Product: Credit reporting or other personal consumer reports

This is absurd that Experian is closing complaints at XXXXXXXX XXXX. Experian stole almost 19 of on time never late payments to XXXX and refuse to give them back. Experian keeps my score low and tells me that but will adjust my scores for money. I have paid my bills on time and this s a scam
Product: Credit reporting or other personal consumer reports

Affair : Formal Complaint to Remove Late Payment Record from Credit History Dear CFPB Representatives, I am writing to you to file a formal complaint regarding a late payment recorded in my credit history that I believe is incorrect and unfair. 

Complaint Details : Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Financial Institution : XXXX  Late Payment DateXXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Equifax 's Failure to Investigate Student Loan Reporting Accuracy Dear CFPB, I am writing to file a formal complaint against Equifax for their failure to conduct a thorough and accurate investigation into my dispute regarding the reporting of late payments on my student loans. 

Background : I submitted a dispute to Equifax on XX/XX/XXXX, regarding the accuracy of late payment information reported by XXXX XXXX on my credit report. 
This dispute was closed on XX/XX/XXXX, without a satisfactory resolution. 
I subsequently submitted a second dispute on XX/XX/XXXX, providing additional documentation to support my claim. 

This second dispute was closed on XX/XX/XXXX, again without a satisfactory resolution. 

The Issue : My credit report with Equifax reflects multiple late payments on my XXXX XXXX XXXX XXXX account, specifically : 90 days late in XXXX XXXX 90 days late in XX/XX/XXXX Continuous late payments from XX/XX/XXXX to XX/XX/XXXX I believe these late payments are inaccurate and potentially harmful to my credit score. 


I have provided Equifax with supporting documentation, and I understand that XXXX, another credit reporting agency, was able to update my credit report to reflect the accurate payment history. 



Equifax 's Failure to Investigate : Despite providing evidence and requesting a thorough investigation, Equifax has failed to address my concerns. I believe their investigation was insufficient and that they have violated the Fair Credit Reporting Act 15 USC 1681e ( b ), which requires them to conduct a reasonable investigation of any disputed information. 
Request : I request that the Consumer Financial Protection Bureau investigate Equifax 's handling of my dispute and take appropriate action to ensure compliance with the Fair Credit Reporting Act. I also request that Equifax be required to conduct a thorough and accurate investigation into my dispute and correct any inaccuracies on my credit report. 
Thank you for your time and attention to this matter. 

Account ending in XXXX XXXX XXXX  for each XXXX  loan account reinvestigation from XX/XX/XXXX and was closed out on XX/XX/XXXX Confirmation number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ).

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report.

Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA. The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Previously, I have always paid my balance in full every month with CitiBank. I accepted a Flex Plan offer to pay for appliances & since then I have been charged interest on every statement on my regular balance. I still pay my regular balance in full every month & make the required Flex Plan payment. I understand that I am paying interest on my Flex Plan balance every month. I called in twice to request the total minimum payment required to avoid interest on the standard balance & in both cases, given an incorrect amount. Paying this amount resulted interest being charged on my standard balance. Just before closing the account, I redeemed my awards points on Citi 's website for {$130.00} of credit towards the account & appears that my request was cancelled on Citi 's end & the points forfeited due account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Violation of 15 USC 6802, 15 USC 1681b, 18 USC 1028a, 15 USC 6801 15 USC 1611, 18 USC 241 Dear Sir/Madam, I am writing to bring to your attention what appears to be a serious violation of various federal laws pertaining to consumer privacy and identity theft. As a concerned individual, I repeatedly discover that you have included unauthorized transactions ( late payments & charge off ) and experiences ( hard inquiries ) in my consumer report, despite never having provided written permission for such reporting. This activity not only breaches my privacy rights but also raises significant concerns about the security of my personal information. 

According to the federal laws governing consumer privacy and identity theft, namely 15 USC 6802, 15 USC 1681b, 18 USC 1028a, and 15 USC 6801, you are required to ensure that consumer reports only contain information for which proper authorization has been obtained. This includes obtaining explicit written permission from the consumer before reporting any transactions and experiences related to their credit history and financial interactions. 

I must emphasize that I have not granted any written authorization to include these transactions and experiences in my consumer report. As such, their inclusion represents a clear violation of the aforementioned federal laws. I am particularly concerned that this unauthorized reporting is a form of identity theft, as my personal and financial information should remain private and secure. 

I kindly request that you promptly reinvestigate this matter and provide a detailed explanation for the inclusion of unauthorized information in my consumer report. Additionally, I expect you to take immediate action to remove all such unauthorized adverse information and rectify any inaccuracies in my credit history. 

Please be advised that I am prepared to take legal action if this matter is not adequately addressed within a reasonable timeframe. I believe it is essential to protect the privacy and security of all consumers and ensure that your organization complies fully with the laws in place to safeguard our personal information. 

I look forward to your prompt response and a resolution to this matter. Please acknowledge receipt of this letter and provide me with a timeline for your investigation and actions. 

Thank you for your attention to this critical issue. 

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

filed a complaint XX/XX/year> and CRA admitted they didn't have information as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it on my credit
Product: Mortgage

My XXXX XXXX XXXX taxes on our homestead had not been paid as of XXXX XXXX, XXXX. On XXXX XXXX I sent Bank of America a copy of a tax receipt for property taxes paid in the amount of {$600.00}. I made another tax payment of {$500.00} on XXXX XXXX and sent a copy of the receipt to Bank of America. I did not receive any reply or acknowledgement from the Bank. On XXXX XXXX, XXXX, I entered into an agreement with the tax office to pay the balance of the taxes in installments. I also sent a copy of this agreement to Bank of America on the same day, XXXX XXXX. With my first {$120.00} installment made to the XXXX XXXX was returned to me on XXXX XXXX, XXXX stating that Bank of America had paid the taxes on XXXX XXXX, XXXX. BAnk of America sent an escrow disclosure informing me that the mortgage payment would increase by {$510.00} for escrow, making my current payment of {$480.00} to increase to {$1000.00}. 
I sent Bank of America a letter certified mail via XXXX day priority on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. I protested their interference with my contract with the Tax Appraisal as well as their failure to acknowledge my proof of prior payments. I also inquired as to the {$990.00} refund they received from the tax authority and their failure to adjust my alleged escrow balance. I also inquired as to why I was n't allowed to pay any amounts due less the refund before they chose to double my house payment. To date I have not received any reply. I also stated that my husband and I could not afford to make this payment on our homestead. 
I also requested an answer as to why they have not answered my XXXX XXXX, inquiry to have my husband placed on the mortgage so that he could get XXXX his age and XXXX veterans exemption since we were married at the time the loan was made. H never received a reply to last years inquiry regarding my husbands name being left of the mortgage papers. 
I previously filed with the XXXX on XXXX XXXX, XXXX, however, on XXXX XXXX, they informed me that they could not assist us in this matter and referred us to this agency. The next months mortgage will be twice the amount we already pay and fear that we can not afford to make it and do not want to lose our XXXX.
Product: Credit reporting or other personal consumer reports

collection account reporting is inaccurate, debt is not mine
Product: Debt collection

I am formally requesting that Portfolio Recovery Associates cease all communication with me regarding account # XXXX. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Additionally, I want to emphasize that any further attempts to contact me, including reporting this account to credit reporting agencies, would be considered a violation of the FDCPA. The court in XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), affirmed that reporting to credit bureaus constitutes a medium of communication subject to such a request. 

I am submitting this complaint to ensure that Portfolio Recovery Associates honors my request and ceases all communication with me regarding this account.
Product: Credit reporting, credit repair services, 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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX- ACCOUNT NUMBER- XXXX
Product: Credit reporting

I have disputed the removal of my Chapter XXXX dismissal multiple times, both via mail and online with Equifax for several years. They have not provided a valid reason for non-removal or response. I have verified the correct address and obviously when submitted online twice it goes to the correct place. Online they acknowledge receipt but never remove it. I have sent them copies of my dismissal multiple times as well. This Chapter XXXX was only in effect for a couple of months and was dismissed on XX/XX/XXXX and should have only been reported for 7 years. Which means it should have been removed in XX/XX/XXXX. This has negatively affected my credit for the past 2 years as I am still having to pay higher interest rates and have been denied credit multiple times even though my credit score is high now due to the bankruptcy still reflecting.
Product: Bank account or service

I opened a checking account with Discover Bank on XXXX XXXX, XXXX during a promotional period that offered a {$300.00} reward for opening a Discover Cashback Checking account and making two direct deposits within 90 days of account opening. During the online application process I saw a notice confirming that the promotion had been applied, but I also called shortly after I had finished applying and had a customer service representative confirm my eligibility for the promotion and that it had been applied to my account. I completed my second direct deposit on XXXX XXXX, XXXX and waited a whole month before calling Discover to ask about the promotional reward ( the offer stated it could take up to 30 days after the second direct deposit to process the reward ). On XXXX XXXX, XXXX I called Discover to inquire about the promotional reward and had a representative confirm both my eligibility for the promotion and that the requirements for the promotion had been met ; the representative said he or she would submit a ticket to the department handling promotional rewards so that I could receive it. After not receiving the reward for several days, I called discover again on XXXX XXXX XXXX and was told the same thing as the call on XXXX XXXX : that I met the requirements for the promotion and that he or she would submit a ticket to the department responsible for issuing promotional rewards. After not seeing the promotional reward or hearing from discover bank for nearly 3 weeks, I called again on XXXX XXXX XXXX and was soon connected to an account manager. The manager I talked to on the XXXX told me that although the promotion had been applied to my account and I received confirmation and met the requirements for the promotion, that I was ineligible for the promotion because it was " targeted. '' I asked the manager to elevate the issue to someone higher and she told me she could file a feedback request on my behalf, but that was the end of that. I have yet to hear back from discover and fear that I will not be contacted yet again.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as Equifax, XXXX, and XXXX, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, Equifax, XXXX, XXXX, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.
Product: Debt collection

I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect fraudulent data continues to appear on all three credit reports
Product: Credit reporting or other personal consumer reports

XXXXEquifax credit reporting agency has put incorrect information on my credit report pertaining to my mortgage loan, they marked me late for the months of XXXX XXXX  .my loan was not late each of those months, my mortgage loan was paid on time and also I spoke to XXXX XXXX  Home mortgage about the situation and they stated that my account was not late and for me to take this matter up with the credit bureaus that reported me late. I have reached out to the credit bureaus but I haven't gotten anything in return from them.
Product: Credit reporting or other personal consumer reports

I am writing about my previous attempts to address the fraudulent items on my credit report. Despite multiple efforts to rectify this issue, the fraudulent items persist on my report, adversely affecting my financial standing and peace of mind. 

Furthermore, I ask for transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. 

I kindly request a thorough investigation into these fraudulent items and their immediate removal from my credit file. I have attached supporting documentation once again to facilitate the process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Chase Sapphire Reserve Card offered a promotion with a business partner XXXX where Chase Sapphire Reserve Card holders if they signed up for XXXX XXXX XXXX annual service {$190.00} plus tax by or before XXXX that the fee would be credited back. I've made two attempts to resolve this- once in XXXX and once in XXXX. Its XXXX and still not resolved. Perhaps others are facing the same challenges.