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

XX/XX/23 - ordered food from XXXX XXXX for XXXX. My order was incorrect, poorly assembled, missing ingredients that were advertised, and overall extremely low quality. Very dissatisfied with the overall order and all item received. 

XX/XX/23 - submitted online complaint via contact form on XXXX XXXX website. Requested call back or email in XXXX hours. Never received any follow up. 

XX/XX/23 - called XXXX XXXX and was told they would refund my order Withings 3-5 days. Never heard back from them and that turned out to be a lie from the XXXX XXXX customer service agent. 

XX/XX/23 - filed dispute with my Discover card letting them know I received incorrect food/order and I was dissatisfied with the quality. 

XX/XX/23 - Discover told me they can not proceed with my dispute stating, We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. 

Discover is not explaining why they can not investigate my dispute. I received the wrong food and my order was not as advertised, hence I was highly dissatisfied with the quality.
Product: Checking or savings account

Date XX/XX/2020 exit XXXX XXXX XXXX  XXXX XXXX.went use my debit card bank of america shut down my credit card without any notice stuck out of town with no money i had Toal amount i had XXXX dollars im my account They took about XXXX dollars from my checking account but atm said bank shut my card down wouldnt answer phone on hold 2 hours no reason to do this they have done it before out of town and at home never put money back in my account.they keep leading you on 2 months go by its not worth trying to get money back. They give you case number nothing is ever done ... ... ..i have checking account 2 savings accounts XXXX XXXX  and XXXX XXXX  with this bank z
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Product: Debt collection

On XX/XX/2021, at XXXX XXXX  ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information. 
After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692c ( 3 ) At the consumer place of employment.
Product: Debt collection

Midland Credit Management, is currently garnishing my wages for a debt that is past the statue of limitations.In the amount of {$5100.00}. I have evidence in which i made my last payment, XXXX XXXX past the statue of limitations, Midland Credit Management entered this XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

YOU, as does ANY existence involved with consumer credit reporting, undoubtedly MUST make demonstrated testimonial certification of facts to your affirmed confirmation of every single oneeven each, any, and allof the still unproven to be compliant, true, correct, or complete allegations. CERTIFICATE in COMPOSITION, in CERTAINTY, and in all aspects of allegations versus me, or YOU MUST ERADICATE such derogatory and injurious claims. 

Please obliterate from reporting TODAYeven right NOWor unequivocally avouch physically to every single one, including : Each, any, or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification. 
Each of the 426-character format fielded XXXX  statements, pay status codes, alpha-/numeric-/and/or alphanumeric source codes. 
Further certificate affirmably every single oneeven each, any, or all of the minimal five ( 5 ) portioned personal identifiers, and the unabbreviated 386 pieces of confirmation to collect. 
By Metro 2 format, FCRA, FDCPA, and/or my state reporting laws, you MUST CERTIFY the AFFIRMED CONFIRMATION of every aspect of FACTS, including : The irrefutable full TRUTH, CORRECTNESS, completeness, timeliness, ownership, and responsibility. 
Compliance with state reporting mandates, federal reporting laws, and standards of compliance. 
Adequate and exact correct integral Metro 2 data field formatted reporting. 
Your hesitancy or unwillingness to do so promptly WILL result in my seeking to enact my consumer and/or civil rights, and making inquiry to a civil court nearest me for a resolutionlikely MONETARILY in natureto address your improper, unethical, and likely illegal misbehavior concerning this matter of discussion.
Product: Checking or savings account

I have submitted to the bank all the foreign identification number issued by the department of treasury. I have also given them the LEI number and all other supporting documentation of the financial entity. They have refused to allow access to the bonds created. They received all this information by certified mail and they respond with some information talking about scams. 

I have submitted all information regarding the appropriate status XXXX and obtained the LEI which identifies all the trust and ucc filings. The bank is refusing passthough access and paying agent access that should automatically be granted because of the registrations and paperwork I have previously submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from American Honda Financial about a pending loan application. I became alarmed and clicked on the link and was advised to click on another link if I DID NOT authorize the app. I did that, but nothing happened. On this morning, I was alerted by XXXX that my report has been pulled for Honda Financial. I did not authorize this and I do not want this inquiry on my credit.
Product: Credit reporting or other personal consumer reports

At convenient times for reporting my credit score is lowered due to the negative reporting of NewRez. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   and Capital One. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the accounts I am requesting to have Inquires verified. 
If you are unable to verify the account Inquiries with the original contract, the Inquires should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Fortiva Credit Card has assessed me over {$500.00} in late fees since XX/XX/XXXX to XX/XX/XXXX. The late fees are {$41.00} per month, although I have made payments on time. I have been late on two occasions, but NOT a week or more late. The majority ( if not all ) of the payments have been at the beginning of the month where the due date is the XXXX of each month. I'm being told if my payment is one day past the due date or early, I will get assessed a late fee. 

Fortiva Chat has said : XXXX XXXX I see that your statement is only generated on 2nd of every month. Since the payment was received before the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment. 

XXXX XXXX  I see that late fee of {$41.00} assessed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank has improperly reported the same home equity line of credit TWICE at the XXXX credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.
Product: Debt collection

Re : XXXX / XXXX Company refuses to share electronic documentation as requested re : Under the Americans with Disabilities Act ( ADA ) 42 U.S.C . 12101 et seq., individuals with XXXX have the right to receive communications in an accessible format, including electronic communication, as a reasonable accommodation. 


Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned. Re : XXXX / XXXX I have no knowledge of this alleged account / debt. I would also like assistance in filing a formal grievance re : ADA violation, given the companys disregard for XXXX Americans.
Product: Credit card or prepaid card

Merchant failed to refund a deposit for services not rendered, despite several direct attempts made by the consumer, the absence of a signed agreement and failure to provide terms and conditions surrounding their deposit acceptance process. Consumer initiated to dispute charge ( s ) with Chase Bank. During the process Merchant filed fictitious documentation with Chase Bank in order to win dispute. The dispute process with Chase took over 60 days to complete and concluded with awarding money towards the merchant. During the process, the merchant threatened and harassed me about disputing the charge. I could not provide any documentation towards the dispute as nothing was ever provided to me from the merchant. I have tracked down the original person I dealt with at the company, he is no longer employed by the merchant being discussed here and he is writing me an affidavit to discuss their processes and what happened with my situation in particular.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection from XXXX XXXX XXXX was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. XXXX XXXX XXXX stated that they would delete the collection from all 3 credit bureau reports. However, Im showing that this account has not been deleted.
Product: Debt collection

I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  Account number XXXX ) 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: Debt collection

I reached out to Experian to discuss a few things on my consumer report While speaking with the agent she assisted me with disputes for XXXX XXXX & rXXXX XXXX XXXX to my acknowledgment the agent knew exactly what companies I was filing disputes the agent understood what companies I wanted removed off of my credit report unfortunately the agent took it upon herself to remove my consumer details with an account that was at a good standing which didnt make any sense at all the next day after speaking with the agent Ive gotten multiple alerts about my credit score decreasing now its really strange that the original disputes Ive submitted not action took place on either account so I am very confused on her action after recognizing what took place I tried to reach out to Experian & could not get anyone to assist I was transferred from agent to agent & no one could explained the action of the previous agent when requesting to speak with an agent supervisor o was put on hold excessively long periods of time & never gotten a chance to speak with the manager this matter has become very frustrating & I just need Experian to explain to me the actions taken on the account & removed what was requested in the initial dispute request!
Product: Credit reporting

have disputed a bankruptcy on my credit reports, XXXX and XXXX have removed it but for some reason equifax does not remove this inaccurate information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2017 learned that Equifax had a massive data breach that exposed name, DOB, address and SS numbers. Went to the company website to see if my data was stolen. The inquiry said it may have been compromised, the next link on the site was to get a free year of their data protection ( which is not nearly long enough ) but that did not tell me if my data was stolen, I have to wait 4 days to sign up and found out the terms included leaving to use arbitration instead of legal recourse in the court system. This is totally unacceptable, they should be required to let me know if my data was stolen.
Product: Debt collection

I have been contacted by the General Revenue Corporation no less than 4 times and have called each time to request they stop contacting me. The last time a great deal of information was given and I was told they would stop contacting me. The debt they are trying to collect is not my own. It is for a person with the same first and last name as me. This has been said to them at each time of contact and each time I have been assured they would stop contacting me. I have received yet another letter today to collect a debt in full for a debt that is not my own.
Product: Credit card

I currently have a complaint being addressed by your organization regarding Capital One. I recently learned that regardless of the XXXX phone calls I have initiated since XX/XX/XXXX with Capital One, they continue to perpetuate this process. A few days after I made my last call to Capital One, and after they failed to return my calls after XXXX separate requests which forced my hand to file my complaints with the state of XXXX and XXXX offices of the attorney general - Capital One sent yet another letter to the address in XXXX, which I requested and demanded they remove from my account two weeks and XXXX calls earlier and had informed them on XXXX previous calls that I currently had a credit card open with Capital One which had a present address in XXXX. This last letter indicated to the individual at the address in XXXX that attempted to open the account in my name, to please contact Capital One as the account was temporarily on hold and they needed to speak to the card holder prior to moving forward with activating the card. You can imagine my newly found frustration with this process, as I have been informed by at least XXXX different people and XXXX additional managers at Capital One that the card and the account have been deactivated, yet letters that have been sent to the address in XXXX dictate otherwise. 

I will be gaining access to all of the information and sending them your way ... 

Thank You,
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX Balance : {$860.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX FEB Destiny, and

CB Indigo have violated my rights.

15 USC 1681 Sections 602 States I have the right to privacy.

15 USC 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

i went to make a purchase in XXXX florida with my cash app payroll card and it should of had XXXX on it but it only had XXXX on it i contacted cash app and they said they would look in to it as of yet i have not heard anything i have been calling daily and it has been since friday XX/XX/2021 i dont know what to due i am on the verge of being homeless please help .Mr. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have 4 negative accounts on my credit report that is not mines. XXXX keep placing them on my credit report after I dispute them under different names but it's the same account with different amounts on each one. I even file a police report for the identity theft. They are using a debt collection agency to help them with the fraudulent information
Product: Vehicle loan or lease

On XX/XX/year>, I received a email from Carvanas dispute team stating that they wont allow me to apply for a car loan due to them saying they discovered that information or documents I provided were potentially false, misleading or otherwise could not be verified. I explained to them that I never tried to apply for a loan and that my account was compromised. They said they made a secondary review and still prevented me from applying for a loan. They are assuming that the documents they received for a car loan was from me, but it was not. I should not have my account closed just because someone hacked my account. They did not fully verify all information given to them. They are only going off of what they received and not who actually submitted the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX on XX/XX/XXXX to close one of my two credit card accounts with the bank. This account, like all of my accounts, was in good standing ( " current, paid as agreed '' ). The representative accidentally closed the wrong credit  card account. She referred me to XXXX XXXX  AXXXX Credit department, which on XX/XX/XXXX reinstated the improperly closed account. This triggered an erroneous hard credit inquiry from XXXX  XXXX XXXX on XX/XX/XXXX. 

XXXX  XXXX XXXX acknowledged their error and allegedly, over the course of six months, repeatedly attempted to resolve their mistake with TransUnion. After six months, the hard inquiry remained on my credit file. I mailed a formal Request for Investigation to TransUnion on XX/XX/XXXX. I included a detailed description of XXXX XXXX XXXX 's error, and listed dated case reference numbers associated with the bank 's attempts to remove the inquiry from my TransUnion credit file. 

I received Investigation Results from TransUnion on XX/XX/XXXX, stating : " No update necessary '' and showing the good standing of the XXXX XXXX XXXX credit card account I had originally intended to close ( and did close ). They made no attempt to understand or resolve the error with my other account. The erroneous hard inquiry remains on my TransUnion credit file.
Product: Debt collection

Equifax refused to remove inaccurate account that has not been validated. Equifax continues to accept summarized typed documents from XXXX XXXX to continue Equifax to keep the account in my credit report. 

Equifax refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Equifax allows this and says account validated it is not