23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been embroiled in a protracted and unjust dispute concerning two transactions that took place on XX/XX/2024, at XXXX XXXX XXXX XXXX  and they go by GXXXX XXXX as well, in XXXX, amounting to {$3100.00} and {$410.00}. Despite my repeated and documented attempts to resolve this matter directly with the merchant and through the dispute resolution process, the charges have been wrongfully upheld. I returned to the store all the purchased items unopened the following day on XX/XX/2024 and left the unopened products at the store based on an agreement that I would receive instructions for a refund, which were never provided. Since the merchant refused to issue a refund receipt, I took pictures of the items on the counter, which were date stamped showing day and time of the returned item, which was on XX/XX/2024 at XXXX. I tried to reach out to the merchant via email and calls, but the merchant did not respond. Goldman Sachs keeps putting the charges back on my card. The evidence provided by the merchant that the items were final sale. My problem that they accepted the items back in the store, yet they wanted to charge me for them and I was made to pay for things I did not take. In one of the chats with Goldman Sachs representatives, the representative stated that the merchant stated an item was opened and used ( which I kept a screen shot of this conversation ). It was the first time the bank admitted that the merchant had his items in their possession, an evidence Goldman Sachs has concealed. Also, despites my several evidences I have that ranges from pictures of the returned items with a date stamp, my letters to the merchant by email, and my attempts to call the sellers, Goldman Sachs continues to hold the charges of total {$3500.00} against me and putting them back on my card. The message I had from Goldman Sachs representative telling me that the merchant had the products back but they claimed they were opened, was never shared with me. My argument was why did the merchant accept the returned items? I need help removing those charges of {$3500.00} from my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XX/XX/2015 I  began consolidation of multiple student loans. XXXX XXXX XXXX XXXX XXXX was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. XXXX XXXX XXXX XXXX admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. XXXX was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal financial privacy policy notices and opt-out annually statements provided by CHEXSYSTEMS, It has come to my attention that CHEXSYSTEMS may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations.

As a customer of CHEXSYSTEMS, I have not received the required personal & financial PRIVACY POLICY NOTICES and opt-out annually statements as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations.

I demand that CHEXSYSTEMS promptly rectify this issue by providing me with the required PRIVACY POLICY NOTICES and opt-out statements in accordance with federal laws and regulations. Additionally, I request that CHEXSYSTEMS conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward, I also request PROOF that CHEXSYSTEMS has PERMISSIBLE PURPOSE/PERMISSION to disclose my NON-PUBLIC PERSONAL FINANCIAL INFORMATION, I also request ( NPI ) DISCLOSURE where I gave consent to disclose such information to a THIRD PARTY or the general public.

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary.

I trust that CHEXSYSTEMS will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to open up an account with XXXX XXXX, I never heard of XXXX and never have done any business with them. There is a {$500.00} XXXX account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.
Product: Debt collection

Dear Sir/Madam of EQUIFAX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX account with account # XXXX, has violated my rights. 

I believe that this information is inaccurate and does not belong on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that you investigate this matter and correct any errors.

Please note that under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in a consumer 's credit report. I request that you investigate this matter and take the necessary steps to correct my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 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.

Furthermore, I would like to request that you provide me with the following information. Under Section 611 of the FCRA, you are required to provide me with this information within 5 days of receiving this letter. I would appreciate it if you could send me a written confirmation of the receipt of this letter, along with a timeline of when I can expect the corrections to be made. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

I don't know why they keep calling me, several times a day and several times a week and weekends. It could be a debt I owe, but I will not answer my phone and give them any information. Now several times a day, every day, they have been calling a friend. I don't know how they got his number but I'm furious about it. Whether or not this is my debt, they have no right to call another person 's number and ask for me.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  XXXX Dear EXPERIAN, This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I had an Auto Loan through Sandtander Consumer USA, they stopped wanting to workout arrangement for payments during my time of financial difficulty. They repossessed my vehicle and sold it at a auction. I sent them on debt settlement offer on XXXX XXXX, 2016, to settle this debt and get it cleared to a {$0.00} balance. It is now XXXX XXXX, 2016, and I have not received a response of acceptance or counter to my offer.
Product: Debt collection

To whom this may concern i have a debt on my credit profile that is being collected and listed for the wrong amount for years, i have made many attempts to fix this with the actual company! 

Also i gave written notice that i was being abused and my kids were afraid for their lives, My social worker gave them written notice of this. 

Trying to collect this debt and also collections it for the wrong amount is going against THE VIOLENCE AGAINST WOMEN ACT ( XXXX )
Product: Credit reporting or other personal consumer reports

I am formally requesting the REMOVAL OF LATE MARKS ONLY from the following accounts in my credit profile, as they are misleading and erroneous. Under the Fair Credit Reporting Act, 15 USC sections 1681i, you are required to complete your investigation within 30 days ; failure to do so will result in a violation of the Act and potential investigation by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide evidence that these accounts belong on my report and ensure that my rights have not been violated. If no record exists, update the inaccurate account information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging an old derogatory account to be a recent derogatory account in a violation of the FCRA. In XXXX of 2022, TransUnion re-aged my XXXX XXXX XXXX account XXXX. As a result of this re-aging, I was denied credit as well as I continue to have a lower than expected credit score. I have not had a delinquency in many years, however, TransUnion, XXXX XXXX, and others state that a recent delinquency on my TransUnion credit report is the the key reason for my low score. I DEMAND than Transunion delete this account from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an identity theft victim. Equifax actually fixed my credit and now they put an unauthorized freeze and added back all the fraudulent debt that they removed two years ago.
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.
Product: Vehicle loan or lease

A security with a declared value of {$89000.00}, via XXXX XXXXXXXX XXXX, was delivered on XX/XX/XXXX, registered mail return receipt XXXX, signed by American Credit Acceptance XXXX XXXX XXXX at XXXX, for settlement in full of the account. I was told by XXXX ( supervisor ) that a payment was being processed but when I called back no one knew what I was talking about and can not locate the payment. I am concerned there may be organized crime. They are not responding to letters in the legal department and I have spoken with multiple supervisors- XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all who have given different stories. T. 
XXXX should be under investigation because that individual signed for the parcel. Postmaster XXXX XXXX has assured that the parcel was delivered and signed for. XXXX XXXX XXXX, the XXXX XXXXXXXX ID XXXX exp. XX/XX/XXXX has confirmed the parcel contained the security before sealing the parcel. The companies prospectus allows for settlement of account via the Securities Exchange Act of XXXX and XXXX Indenture Act of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting accounts/addresses that do not belong to me. 

XXXX XXXX credit card ( DO NOT BELONG TO ME ) Address as follows does not belong to me : XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Checking or savings account

Hello, I am writing to file a formal complaint against PayPal regarding the unjust and unexplained limitation of my account, which has persisted for over three months. Despite my unwavering adherence to all PayPal policies and regulations, my account remains inaccessible.

I kindly request that PayPal takes immediate action to either restore my account to its full functionality or grant me temporary access to submit all the necessary documents and proofs required to address the limitations. I want to reiterate that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have a strong desire to continue conducting legitimate business with PayPal. It is within my rights to have access to this service and I will not tolerate an extended denial of access without due cause. If PayPal remains unresponsive and does not take prompt action to address this issue, I will have no choice but to escalate this matter by filing a complaint against PayPal with the Internet Crime Complaint Center ( IC3 ) and seeking legal recourse in a court of law. 

It is imperative that this matter is resolved with the utmost urgency and fairness, as my ability to engage in legitimate business transactions has been unjustly restricted without warning. 

I eagerly await your immediate response to this pressing issue. 

Sincerely,
Product: Vehicle loan or lease

The car loan is in my name but is my son. When covid hit my son list his job XXXX XXXX XX/XX/2020 .. then he got part time work and caught up. The hospital closed he worked at due to covid. We called credit acceptance whom stated we pay $ XXXX monthly to keep account in good standing. We immediately started paying full payment in XXXX when my son obtained a fulltime position. I have disputed the late payments showing on my account they stare accurate. This is not accurate at all and hurting my credit and ability to obtain mortgage.
Product: Credit card or prepaid card

My card was suspended for supposed fraud on the XX/XX/XXXX. I went to buy groceries and thats when I found out. No one had called me nor had I received an email notification. There is no fraud here since I hadnt even used my new card for almost a whole month. This is retaliation because I 've filed a CFPB complaint about a credit hit they have left in my credit report even though its been alnost two years since the account was current and was transferred to another institution.
Product: Checking or savings account

I deposited a check in the amount of {$10000.00} at a Regions Bank ATM on XX/XX/year>. The checking account I deposited it into was frozen because the check was flagged as potentially fraudulent. I received notice about this and was told the account would be unfrozen by XX/XX/XXXX after the bank verified the check was valid. The account was not unfrozen, and when I called customer service they told me I had to go in person to a branch. I went to the branch, and the manager looked up the account and said the issue was that the check was fraudulent and that the issuing bank had insufficient funds. He told me to get a new check, but refused to unfreeze my account. I talked to the person who issued the check, they talked to their bank and the funds were released and are in my Regions account, so the check was not fraudulent and the account it drew from did not have insufficient funds. I called customer service again, and was told to go into a different branch ( I also filed a complaint about the manager at the first branch ). I went in to a second branch, and they told me they would " look into it '' but refused to give me any details about why it is frozen, what I need to do to unfreeze it, how long it would be frozen, etc. I called Regions priority line and fraud lines, they told me I can only resolve it in person at a branch. At this point, Regions had effectively stolen my deposit and refused to give me access to my account or explain to me why it remains restricted. No one at Regions seems willing or able to help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a dispute to XXXX, XXXX, and TransUnion regarding inaccurate information on my credit report. The disputed items are as follows : Despite my submission, XXXX, XXXX, and TransUnion has not adhered to the requirements of the FCRA in their handling of my dispute. 

I'm reaching out to you today because I'm really upset with XXXX, XXXX, and TransUnion - the three main credit reporting agencies.

The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on [ date of request ].

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). 

I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$87000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM
Product: Credit card

Amex is practicing corrupt treatment towards their cardholders. On XX/XX/2023, I purchased a pair of sunglasses from the merchant XXXX for {$460.00}. They sent me a damaged pair of sunglasses and I immediately reported it to them. They refused to send me a label for return. I complained to American Express and all Amex does is simply ignore me as a customer and bill me incorrectly. They refuse time after time to examine the documents I send them and just close out my dispute with the bill remaining on my account. The most frustrating aspect of Amex is their cruel behavior of responding robotically the same response to each of my claims. They simply say the merchant delivered the items and the bill shall remain of the account. Regardless of delivery, that isnt at all the case. The case is that they delivered damaged items against our terms of sale and they refuse to send me a label to return it. I even asked Amex to show me a label from the merchant but they refuse. All they do is say there was delivery and they bill me despite the delivery being out of terms by sending me a damaged item. 
Amex must be investigated. This is not the first time they ignore customer disputes and respond robotically clearly proving they do NOT ever actually examine any case but rather just bill consumers erroneously. I venture to say that they probably get the money back from the merchant and bill the customer as well because my case is so clear cut they should easily get the money back from the merchant. This should be investigated and they should probably be shut down for corrupt practices. 
I must reiterate that this case has been ongoing for over 6 months already and NEVER once did Amex properly examine my documents or any of the case details and the proof is their response is always the same generic response. Never did they even ask me about the damaged item. They simply just keep billing me despite a clear case of the merchants non compliance. 
The bottom line is, I am due a refund because I can not be held responsible to pay for damaged items that the merchant refuses to accept back for return. And I stress that the merchant never provided me an actual label to return the item back to them and surely I can not be held responsible to purchase a shipping label on my expense after their failure to accommodate our sale agreement.