23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express has continuously mishandled a dispute I have opened in XXXX of XXXX. American Express has disregarded my conclusive evidence that I did not receive the expected merchandise and returned what I did receive, which was wrong. I was told by American Express that with proof of return delivery, which I provided, that the dispute would be resolved in my favor. 

This dispute was actually resolved in my favor twice after furnishing conclusive and overwhelming evidence that supports my claim. However, American Express reversed both of those decisions based on the response from the merchant. The problem is, the merchant has lied about what has happened and provided falsified and fabricated documents I have never seen before, including a purchase agreement that I never seen, received, no signed. The evidence supplied by the merchant was very weak in comparison to my supplied evidence. 

American Express has elected to believe the merchant despite me having proven my position with all requested information. 

I am left to conclude that this dispute was been grossly mishandled and misunderstood. I have contacted American Express multiple times via telephone and was assured this matter would be re-investigated and personally handled by senior management. This did not happen. My dispute has been handled the same way from the beginning, which I believe to be handled by XXXX XXXX XXXX not based in the United States due to the time of which I receive these decisions, which are around midnight EST, well outside of working hours for any US based offices. 

I believe these workers may have a language barrier or a bias to the claim itself, as the merchant is of XXXX XXXX origin. I suspect there may be discrimination or an element of unfair handling of my dispute. I've requested assistance from associates based in the United States for fair treatment and this has not happened. 

My dispute case is complex and detailed, but I have repeatedly again and again a simplified series of events that have occurred. This includes : Merchant did not send correct item I contacted merchant to return the incorrect item Merchant provided return label I returned the incorrect item Merchant received the item Merchant claims they sent correct item Ive provided photographic evidence of the incorrect item received Merchant has provided false documents which I have never seen nor signed Merchant has continued to lie and furnish fabricated documents as evidence I do not have the item The Item has been sent back I lodged a prior complaint with the CFPB and their response was along the lines of " we are still working on it, '' which I believe is an unacceptable response that does not resolve this issue. In fact, I even find such response to be disrespectful to myself as a customer and to your organization. American Express should have replied with a proper response after they were done " working on it, '' which, I don't believe they have even been doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX XXXX XXXX stole my personal info and over 5 months later behind my back reported me to chexsystems that I had committed fraud. Chexsystems then sided with the fraudulent bank branch and put my name in chexsystems for " suspected fraud '' after I emailed them photos of paperwork from XXXX  XXXX XXXX showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, chexsystems continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX I request for this to be removed from my credit history due to fraudulent charges and incorrect dates listed. 

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) account number : unknown WELLS FARGO CARD SERVICES | XX/XX/XXXX Summary Report Date : XX/XX/XXXX Review this summary for a quick view of key information contained in your XXXX Credit Report. 

Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 6 Months Length of Credit History 11 Years, 4 Months
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ARS following up from CFPB complaint # XXXX Im aware that your office received a cease and desist dated on XX/XX/XXXX and you continue to violate the cease and desist. 

UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE Inphynet XXXX XXXX, I DEMAND YOU DELETE THIS ACCOUNT! 

Under the Health Insurance Portability and Accountability Act of XXXX  ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

This will also serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 

You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$10
00.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

I am reaching out again to highlight my serious concern to EXPERIAN about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Money transfer, virtual currency, or money service

So Robinhood froze my bank account with XXXX in my spending account on or around XXXX They never provided a reason of why they froze my account. 
After their investigation was over they could not find any evidence of fraud or support of any XXXXXXXX XXXX  on my part so they where so embarrassed by their mistake they did not want to continue to keep my account active. 
So on the XXXX day of XXXX they sent me a email and said I had 15 business days to return the money in my account but after I received my funds they was going to cancel my account. 
I received 2 payments one for {$4000.00} and another payment of XXXX. 
They would not transfer the rest of my funds to my other bank account. 
Fast forward to XX/XX/XXXX I get a email similar to the one that was sent before saying the rest of my funds will be available for transfer in 15 days. 
That never happened and I still can't transfer my funds and they won't call me back at all. 
On XX/XX/XXXX I received another email from Robinhood saying I have 10 days to transfer my money to a different bank and if it's not transfered by then they will write me a check and send to the address on my file. 
But I still can't transfer funds they won't recall my phone calls or emails. Also I can't wait until they send me a check because it's already been four months of them holding my money XXXX. I just want to be able to transfer my funds and we go out separate ways. I know for a fact I would be charged with robbery if I kept XXXX of there dollars for 4 months. I would also like the interest i could of made with that money if I would of been able to invest it
Product: Checking or savings account

On Friday XX/XX/XXXX I paid two bills from my Bank of America account ending in XXXX. At the end of the same day one of them had cleared my payment and the other on the next day. I have emails proving this yet my bank ledger did not reflect these changes. On Monday my account became overdrawn and I was charged for 3 different charges when there should have only been one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I mailed off a certified reinvestigation letter using USPS to the consumer credit agency XXXX. I filed a XXXX complaint previously and consumer credit agency XXXX responded on XX/XX/XXXX. XXXXonsumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency XXXX failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Product: Checking or savings account

On XX/XX/XXXX my debit card was declined when trying to pay at a coffee shop, upon accessing my bank account online I saw that my account was blocked. I later called citibank and they said they are closing my accounts and no longer wish to do business with me and that i will receive my money back within 60 business days in the form of a check and they refused to provide any further details on the matter.
Product: Money transfer, virtual currency, or money service

I am fiing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 469K ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Heartland ECSI is charging me what essentially amounts to a prepayment fee. Heartland charges fees on direct debits by routing/account numbers, unlike most other servicers - including XXXX, XXXX and XXXX. I requested a refund of these fees and notified their customer service staff and supervisors that they were likely charging illegal fees on XX/XX/19.  They did not refund the fees. 
They appear to be in violation of my Truth in Lending Act disclosure for my federal Perkins loan in doing so. I asked that they refund the fees charged to my account on these dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 Further, I'd like CFPB to look into the legality of Heartland ECSI charging these fees to any of their customers. This seems to violate the spirit of the law against prepayment penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.
Product: Money transfer, virtual currency, or money service

I have been searching for a job to work in my background of IT. I CORRESPONDED WITH A XXXX XXXX XXXX on XXXX. I was eventually offered a remote position to work from home and This Company http XXXX XXXX  This company was providing the following equipment to perform this job. 
Everything is also found in either XXXX  conversion or XXXX XXXX to reference for this. 
The Equipment Ordered Brand new XXXX  Laptop XXXX XXXX XXXXXXXX printer, scanner, and fax machine XXXX XXXX XXXX XXXX XXXX XXXX 
After accepting this opportunity I began to train via XXXX with a XXXX XXXX. 
The entire Transcript of my conversions with XXXX XXXX in XXXX  ( XXXX XXXX XXXX and XXXX XXXX in XXXX ( XXXX XXXX ) have been attached to this email for reference all of this information is there to reference and see. I received two checks for the amount of {$4900.00}. I deposited both checks via a Branch office ATM XXXX. 
I send my SS number in a XXXX with all the personal information that is harmful to a person. Zelle will not refund a XXXX dollar transfer sent
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX XXXX XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.
Product: Mortgage

XXXX is the worst mortgage lender I've dealt with. The website is dysfunctional ; after calling them on the XXXX last night, the automated information announces that there is a 2 hour wait. I was able to provide my phone # for a call back. That call never came. I again logged on today and tried to reset my password ; no email was transmitted from the company that would allow me to reset my password. This is so ridiculous. I do not recommend using XXXX or Loancare for your mortgage lender. With horrible customer service, they do not deserve our business.
Product: Credit reporting or other personal consumer reports

Based on,15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshas violated my rights.Pursuant to 15 USC 1681 section XXXX A states I have the right to privacy.Pursuant to 15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN XXXX DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Debt collection

I'm getting a derogatory mark from XXXX XXXX that I'm paying through USB Collections I called them 3 times to let them know I changed Bank Accounts. It was a charged off account but now it's showing not just a charge off but newer late payments after being charged off. On XXXX XXXX and XXXX left messages with no response My go to person is XXXX XXXX her Tell # is XXXX. My reference # XXXX I get her voice mail and says she would call in 24 hours and hear nothing from her My XXXX XXXX says XXXX is reporting it a late. I understand with the corona virus there are delays but I need them to contact me so that I can take care of this. Please someone help.
Product: Checking or savings account

Real quick.. I have not had access to my mail box for less then 2 month or 3 weeks I sufder from XXXX.. someone possibly companies involved stole valuable things from me including my ID and bank cards. I could not resolve both in time to keep my checking account and Stripe corroded my passcode connected account with false 2 layer identification claims and setups.. therefore no one could send me support through financial options.. also denied a loan based on income but I've been retired...
Product: Credit reporting or other personal consumer reports

This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues.

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.