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

I started a {$1000.00} dispute with American Express back in XX/XX/XXXX, reference number ( XXXX ). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didnt do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for 3 different reasons!!! 

Ive provided AMEX all the documents and proof they needed, but they kept rejecting my dispute without trying to understand that I have received bad service. There is no consistency about how they handled the dispute since AMEX kept providing me weird reasons why they rejected my dispute. The dispute department have done a horrible job, but AMEX don't allow me to talk to anyone that works in the dispute department. AMEX also ignored my complaint on CFPB ( Complaint ID XXXX ) about how poorly they have been handling my dispute, they didn't provide any response in terms of the dispute and closed by complaint. Instead of trying to help, AMEX just delayed the whole process for more than 6 months. 

I am filing a complaint about American Express because this company has been falsely claiming on its website that they " promise to understand, respect and back our customers ''. This company is actually trying to trick its customers by saying it will protect the customers ' interest, but ended up rejecting their dispute when customers reach out, and then charge interest on the disputed amount. As a loyal customer with AMEX since XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - This is paid as agreed and should not be reporting negatively on my report. As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please update late payment all payment was made on time Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( 1 ) This is not an open ended collection account.

( 2 ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXXYet it shows 0 % of this account is paid off. That doesnt make any sense. 
( XXXX ) The balance transferred from XXXX XXXX is inaccurate. 
( XXXX ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( 1 ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first Delinquency as XX/XX/XXXXXXXX XXXX
Product: Debt collection

Account Name : MIDLAND FUNDING. 
Balance : {$1600.00}. 
Date Opened : XX/XX/2018 Submit the information and identity theft report to report that this account is fraudulent. 
Send the claim by the Credit Companies like XXXX, XXXX, XXXX  but I don't get any help. 
They know, I never live in the United States and just move last year to here.
Product: Checking or savings account

On XX/XX/2019 I went to Santander Bank located on XXXX XXXX XXXX in XXXX XXXX, New Jersey. I spoke with a teller by the name of XXXX XXXX and was inquiring about my CDS account. I had asked if it had her " is there any problem is I pull out the money? '' and she said " no there is no problem you can take the money out ''. She never told me that I would receive a penalty for taking the money out 2 days too late because it had rolled-over into a new CDS account. Since she said it was okay, I closed the account. 

In XX/XX/2019 I received my income tax paperwork from Santander Bank which showed a penalty of {$100.00} for closing my CDS account 2 days after it rolled-over. As soon as I received this paperwork, I went to the branch to discuss the issue with XXXX who is manager and explained the conversation that had taken place with their staff member. 

They had apologized for the misinformation on behalf of their staff member but also said that there was nothing that they could do to correct the issue. 

I'm am reporting this issue in hopes of receiving a refund of {$100.00} for the penalty. I would also hope that this never happens to anyone else. All Santander staff handling accounts should be well-versed in rules and regulations that would result in a financial penalty for their patrons. 

Thank you for your time and consideration in this matter. I am looking forward to hearing from someone on your staff to discuss this issue further. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I requested my annual credit report recently and found on my report a collections from XXXX XXXX for the amount of {$280.00}. I immediately contacted them as I have not had any service with them since XXXX. I asked for confirmation of any agreement or proof of debt. The first representative said I didn't have any balance pending and wasn't sure what was going on. I provided my personal information including my social security, my address and no information was found I was transferred to another representative and she also didn't understand what was going on. She directed me contact the collection agency. I called Bull city Financial and they wanted me to provide my personal information before they could give me any detail. Although I didn't provide that information they wanted me to go ahead and just pay the amount due. I asked for proof of debt and they were going around in circles requesting again my personal information like my social security. 
I again contacted XXXX XXXX and I received similar responses, they don't know where its coming from but also wont agree to remove from my credit. I'm exhausted and overwhelmed that such companies have the legal authorization to add things to my credit without any validation of debt.
Product: Credit card or prepaid card

I responded to an American Express account opening bonus offer, wherein I was offered XXXX bonus points if I spent {$2000.00} on the credit card in first 3 months. I applied and was approved for this card in late XX/XX/2018. 
I spent more than {$2000.00} on the card by XX/XX/18. I contacted customer care via online chat on XX/XX/18, who confirmed that I had completed the requirements for the bonus, and that the bonus will be credited in 6-8 weeks after the requirements were completed. I contacted them again on XX/XX/18 as the bonus was never credited. I was then told that although I had completed the requirements, the system was not recognizing all the charges for some reason, and that they will have to conduct an investigation which may take 3 months. 
It has now been 3 months since fulfilling all the requirements for the bonus, and now I will need to wait another 3 months for this investigation.
Product: Credit card

As a result of my formal request having been made to " XXXX '' on XX/XX/2023 the request by me to send the disputed transaction to XXXX XXXX XXXX for arbitration has been ignored completely. As of this date, XX/XX/2023, I file the same request and file a grievance with the Consumer Financial Protection Bureau. I must be given written proof this step. Of relevance and for educational purposes, please locate and see the " Cardholder Disputes and Chargebacks '' at page 10 at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Attention - CitiBank - There is no logical reasonable reason that you're fighting me over XXXX dollars. I am not lying whatsoever in my dispute process. The unequivocal fact is that the XXXX Merchant controlled A FROZEN FAULTY COMPUTER AND PRINTER WHICH DID NOT WORK and my services WERE NOT RENDERED TO ME.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I have noticed that files are not being removed when they accompany an FTC report. If you do not remove the items listed below, which are inaccurately reported, I will involve my attorney to initiate legal action. I prefer to avoid this, so please comply with the law and remove the incorrect credit report information listed below, as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf you assert these items are accurate and verifiable, please provide me with copies of any documentation associated with these items bearing my signature, as I know none exists. In the absence of such documentation, I formally request the immediate deletion of this information from my credit file. You have 4 business days to remove any items resulting from inaccurate credit reporting. I do not consent to E-OSCAR or any automated verification methods. I expect your immediate attention and a response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you know, Equifax had a security breach that exposed the financial information of almost half the population of the US to hackers. This will create life long identity problems for millions of people. I went to the Equifax website and entered my information to see if I was one of the accounts that was involved. Equifax can not tell me if my data has been exposed. The website they setup for people to check if they are involved is not secure. They also withheld informing the public of the breach for two weeks ( while executives sold millions of dollars in Equifax stock ). This is not the first data breach at Equifax. This company should be held accountable for the pain this data breach will cause and the criminal behavior of the executives after the breach.
Product: Debt collection

I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. Please remove these fraudulent accounts in my file ASAP.
Product: Money transfer, virtual currency, or money service

I was charged numerous of times twice from my cash app accounts unauthorized transactions have been made on my cash app account I spoke out about it nothing was done every thing I tried to report or get my money back from was not authorized fraud was committed on my account and cards they did nothing I had to make a new cash app and still had problems and have problems with my present cash app account..
Product: Checking or savings account

I would like to file a Complaint against Bank of America here Is the reason why. 


M name is XXXX and I was scammed majorly. I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in XXXX XXXX   and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive at this time. 


My fraud case number is XXXX Police report number is XXXX I look forward to hearing back from you and get this resolved Sincerely XXXX XXXX, XXXX
Product: Checking or savings account

Back in XX/XX/XXXX they had a promo for opening a saving and deposit $ XXXX by XX/XX/XXXX and keep it till XX/XX/XXXX to get {$150.00} for every $ XXXX. I completed all the steps but have yet to receive my {$750.00}. On XX/XX/XXXX i noticed some people who did the same promo got their promo so I message an agent and they said to wait for the 60 days paid period and today is the 61 day and still no promo bonus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, part in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. TheXXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act,15 USC Sections 1681i, and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the accounts that arereporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. 
XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXXXXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$340.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX  Balance {$64.00} XXXX XXXX XXXX  Balance {$64.00} XXXX XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$57.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  Balance {$4400.00} XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX  Balance {$1900.00}
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I made 2 payments on my RV Loan each for {$530.00}. After I made the second payment in error, I contacted M & T to reverse the 2nd payment and have it sent back to me via check. A couple of weeks went by and I never received the check. I called back and was told that it was still on its way and to call back the following week. The second week of XXXX I contacted M & T again as I still had not received the check. They stated oh it must be lost and we can send the funds back to my bank via ACH. I provided them all of the necessary information. About a week later I still had not received my funds so they said they would submit the request again. Finally on XX/XX/19 I received a credit of {$530.00} back into my checking account. At that point I assumed that everything was all set. Approximately the first week of XXXX i received a call from M & T collections alerting me that my XXXX payment was past due. I said how is that possible as M & T has an autosweep set up to take the payment out of my checking account which i confirmed that the funds were taken from my checking account and applied to the XXXX payment. They explained that the XXXX payment was reversed. I asked why the XXXX payment was reversed and they said it was was to provide the credit back to me. I said the XXXX payment should have NEVER been reversed as the credit should have been made from the payment dated XXXX. After dozens of phone calls trying to explain my situation to each person that answered the phone, I was able to get the XXXX payment credited as expected. Given the issues I wanted to make sure the XXXX payment was made correctly which as of XX/XX/XXXX, I saw that the payment was satisfied and assumed the loan was back to where it should be. The first week of XXXX I received a call from M & T collections stating that i was 32 days past due. I went into my online banking and saw that they reversed my XXXX payment AGAIN. I was confused as 2 payments were made in XXXX one was reversed and the other was made to satisfy my XXXX payment. As this point M & T still owes me one payment of {$530.00} and they reversed additional payments that should have never been reversed. At this point M & T still has {$530.00} of my funds that they should be using to credit my loan payment to bring my payment up to date.