23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

spanning several cards and several yers ive had to endure egregious criminal levels of neglect from American Express. 

I XXXX XXXX XXXX XXXX  where i XXXX XXXX XXXX XXXX XXXX XXXX 

i give these XXXX XXXX XXXX XXXX XXXX XXXX  so we know how to handle issue when a dispute arises if it does. 

Rarely do i have issues but this past year during my normal research and development processes i unfortutnealy ended up in a bad situation with a XXXX  in XXXX. 

I placed an order for XXXX  and then another order for XXXX  and XXXX. 
Both orders for 50 % then 50 % on delivery. 

This vendor bait and switched me which i showed by providing American express photos of the sample items and disgusting unusable final product they dared to have the audacity to ship me. 

My XXXX  ex [ plicitly said if i didnt approve of the final XXXX XXXX that i was entitled to a full refund. 

For a year now American express has ignored my contract and kept denying my refund. 

It took a year later and XXXX of the XXXX disputes have ended in my favor because i had to repeatedly tell amex to look at the contract. 

This level of neglect is unacceptable and could cause real harm to people in more dire financial situations. 

American express instead of solving the issue resorted to canceling both my personal and business cards with them. I believe as a form of retaliation for threatening to sue them. 

American express as a company is criminally neglect with its cardholders money and does less than nothing to help them. 
I'd ratheXXXX XXXX the worlds mosXXXX XXXX XXXX than ever do business with them again and would advise any warm blooded human on this planet to run as far away from them. 

I had used this American Express for my finances for half a decade personally and another half a decade through a previous business. 
NO MORE! 

I pray to the good lord that American express will face real tangible criminal charges in court and XXXX  as a company. They are not what they used to be. 
They have not worked hard enough to earn the trust or business of myself or anyone on this planet. 
The employees are lazy good for nothings and XXXX employees dont have any reason to care.
Product: Debt collection

XXXX XXXX from " XXXX XXXX '' emailed me on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount is for {$690.00}. I did not take any actions. 

XXXX XXXX from XXXX XXXX  called several time regarding a XXXX bill that is over XXXX XXXX XXXX. I have deleted most of her emails, however, I kept XXXX from XXXX the amount is {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XXXX,.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I previously had an account with Capital One ending with XXXX with a credit limit of {$7000.00}. I allowed my grandaughter to use the account while overseas, in XXXX. I allowed her to be an authorized signer. There were charges placed on the account she said she did not make, however she returned from XXXX after becoming stranded and no way for me to fight the charges. 

I agreed to pay Capital One, over a 5ive year period without penalty, and what do the do they penalized me by placing erroneous remarks with the credit bureaus say I was 180 days late on the account, which the most ever was 90 days. I made all payments as agreed and paid 7 % + interest and they stole the mileage credits that could have been applied to the account. 

I paid account off in less then three years, over paying and simply ask them to return the overpayment to my bank account. They still have not returned the funds in any capacity. 

I should be able to charge them late fees and interest for taking money that did not belong to them, destroying my credit on my reports and then fail honoring their agreement. 

I wish deeply their were safeguards for consumers against companies like Capital One as consumers struggle with outrageous interest rates, excessive late fees that should never be allowed and stop these greedy companies from destroying US economies.
Product: Mortgage

I applier for a mortgage refinance with the current mortgage processor ( NewRez ) in XXXX 2020. I was initially given a timeline to close on the refinance not probably by end of XXXX, but by end of XXXX the latest. I have been providing all the requested documentation promptly ( typically the day of or the following day. I was told they were trying to save me money by consolidating the new with the old loan which would save about $ XXXX from the overall closing cost. The delay, however, is costing me {$1000.00} every month ( a combination of the PMI I am currently paying, and the lower interest rate for the new loan. 

After my last discussion with the loan officer ( XXXX ), I was asked to provide latest XXXX and pay stub, which I did the same day. The loan processor called on XX/XX/XXXX, I returned the call and left a couple of voice-mails. I did not hear back for two weeks, when I tried reaching either of them, unsuccessfully. They called back only when I called the customer service line and told them I am considering of filing a complaint because of the big delay and information not provided on the process along the way. I was told my credit had expired and they needed to run another credit check, to which I declined until some assurance was provided that this would not be a hard inquiry posted again on my credit report 5 months after the application. I was told the loan processor would discuss with their manager and get back to me the following day, and yet not a word. As I had mentioned, the delay has costed me at least {$2000.00}, and it will keep accumulating at the rate of {$1000.00} per month. If they are delaying the process for all their customers, I can only imagine the amount of money they are making by every month of delaying the process. I just tried reaching the loan processor, but my call gets connected to the voicemail directly ; no email, no returned calls, even from their respective managers or anyone higher up on the organization to provide clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2023, I became aware of a credit reporting agency called Early Warnings Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXXXXXX XXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with Early Warning Services is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from Early Warning Services. I am now opting out of any reporting services from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account is closed and has a XXXX balance. Experian is the only agency with incorrect information they still show a balance. I filed a dispute the balance at XXXX is XXXX  They will not change my credit report
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022, I wrote Equifax and told them my father, and I have the same name and attached a copy of my ID and social security card to support the request that my name ONLY show on the report as XXXX XXXX XXXX. Here is the report sent to me where they asked me for the information already provided. I have very little confidence in their taking my concerns seriously! If my dad and I have the same name, what steps did they take to ensure that the inquiries were mine and not his? My guess is about as much effort as they put into seeing that I had already included the exact information they asked for and used not having it as justification to keep my report inaccurate and mix up my data with someone else 's.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, agents from XXXX XXXX XXXX presented me with various life insurance policy proposals as a life insurance retirement tool which was to be premium financed for high net worth individuals. XXXX XXXX XXXX XXXX XXXX ( XXXX ) was to be used to hold my life insurance policy for the benefit of my family and estate tax savings. After several insurance companies refused me, XXXX finally presented me with XXXX XXXX as their financing partner. We began dealing with XXXX in XXXX XXXX a product from XXXX XXXX XXXX. The plan called for {$5.00} XXXX  life policy tied to stock market ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The loan for {$2.00} XXXX was approved for my newly formed LLC although my financial status was tenuous at best ( credit was subprime and my condo was in foreclosure ). I was promised that there was no risk to the financial institution XXXX XXXX as total cash value would always equal or exceed the loan balance at each and every point in time. I was also promised I would not have to sign a personal guarantee. After about two years-XXXX XXXX, the interest payments ballooned and I could no longer afford them so I requested that the face value be reduced. 
No one listened or assisted me. My loan went into a " default '' status and I was charged a {$75000.00} prepayment fee and the company XXXX XXXX, a division of Synovus Bank pursued me in XXXX District Court until I had no recourse but to file Bankruptcy. Unbeknowst to me at the time, the insurance agents at XXXX XXXX XXXX and the principals at XXXX XXXX were working together and sharing insurance commissions. XXXX XXXX pursued me into bankruptcy even though they surrended the policy ( collateral ) and received back every XXXX of the {$1.00} XXXX in premiums it had sent to XXXX XXXX XXXX and even though they promised me otherwise. I believe there are many others in this fraudulent and predatory lending scheme.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I opened a skrill account and I deposited XXXX XXXX from the bank account I connected and spent the XXXX just fine. I also already gave skrill all my documents so I was officially verified at this point. Then XXXX I get a XXXXXXXX XXXX deposit and I spend under XXXXXXXX XXXX  and my account gets restricted and the message states there's nothing can do it will be 24 hours for my account to be viewed and looked at and reactivated. That didn't happen after 24 hours they said by 72 hours your account will be unlocked. That didn't happen it's now been over a week. And now skrill says they have no time frame for my account to be unlocked. There is no way to transfer my money out or anything since it's frozen. I asked for a manager to call me today I never got a call back never got a call back.they say my account has been escalated to the highest priority case to be reviewed and unrestricted they say that everyday and nothing happens. My rent is late now and my XXXX XXXX XXXX XXXX XXXX XXXX is not a small amount of money to freeze for no reason and it's been a week all my bills are late. They don't care.
Product: Payday loan, title loan, personal loan, or advance loan

Every month, Avant returns my payment for insufficient funds. Ive received documentation from my bank that this is not accurate as theyve never attempted payments and if they had, I have a balance that would allow the payment to process. I attempted several payments online by card and they were not processed. I called to make the payment by debit card using several methods and they were unable to take the payment. I called today to ask for a deferment til I can gather the funds to send them a check to pay them in full, they advised they can not do that. I told the representative that the returned payments need to be disputed because they shouldnt have been returned and she called me a liar, saying that the payments were valid. I asked for a contact to send a letter from my bank stating that this is false and they refused to give me a direct contact, just saying I could send it to customer service. Ive sent emails and documentation now for weeks and they go unanswered. Im being charged fees and I can do nothing to change this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my Equifax credit file
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

These are all RIA transactions XX/XX/2019 {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2019 {$1400.00} XXXX XXXX XXXX, XXXX # XXXX XX/XX/2019 {$1600.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1500.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/2019 {$1600.00} XXXX XXXX XXXX XXXX # XXXX I had develop a relationship with a XXXX XXXX XXXX who claimed to a a surgeon working for the XXXX   Government. He was stationed in a camp in XXXX for 5 years and he was now breaking his contract upon renewal to come back to NY. He stated he was a US citizen born and raised in NY. He stated that the government paid for his accommodations and travel. When he made the plans to come home they gave him a plane ticket and sent him on his way. He never asked for any money and in fact made me the Beneficiary of a {$800000.00} payment he had coming in.There was  a transfer fee of {$5000.00} which I refused to pay. When these RIA transfer were made I was promised by XXXX XXXX XXXX he would send me {$250000.00} upon arrival to NY. When he arrived at the airport there started to be all these fees for a yellow card, a green card, a validation stamp, then since there was so terrorism going on he needed money for a security card to travel and at the end there was a fee for a anti-terrorist card. At this point I felt it was out of control. After the RIA transactions they started using US citizens as transfer " mules '' to collect the coming which I have reported to my bank in order to get my money back. I plan to report these individuals to their US banks to at least check out their transactions. 
It is my hope through your investigation I might be able to regain my money, some of the money spent on these RIA accounts. I do not blame the stores for any of the actions. I hoped the US government ( your Consumer Financial Protection Bureau ) would be able to help in some way. Please advise of any recovery or recourse.
Product: Checking or savings account

Subject : Unauthorized Transactions and Inadequate Response from Wells Fargo Details : Incident Overview : Date of Occurrence : XX/XX/year> Accounts Involved : Wells Fargo credit card and checking account Unauthorized Transactions : {$1600.00} transferred from credit card to checking account without authorization {$2400.00} withdrawn from checking account via an unauthorized auto-pay labeled " XXXX  '' Suspicious Activity : Attempted deposit of {$0.00} into checking account using XXXX authentication without consent Actions Taken : Reported unauthorized transactions to Wells Fargo customer support Requested investigation and resolution of the fraudulent activities Enhanced account security measures, including updating passwords and enabling two-factor authentication Bank 's Response : Wells Fargo 's customer support has failed to acknowledge the fraudulent nature of the transactions No proactive measures have been taken to investigate or resolve the issue Lack of communication regarding the status of the complaint and steps being taken
Product: Mortgage

XX/XX/XXXX - Sent a request for a XXXX XXXX XXXX to complete XXXXXXXX XXXX XXXX XXXX XXXX XXXX  via certified mail XX/XX/XXXX - Follow up, no response XX/XX/XXXX - Complaint filed with Arizona Department of Insurance and Financial Institutions seeking oversight XX/XX/XXXX - Western Alliance Bank ( mortgage company ) says they will not provide the XXXX XXXX XXXX
Product: Bank account or service

Santander Bank charged me {$3.00} paper statement fee even though I chose paperless statement during account opening. Apparently they removed my email address on file and since they do n't have XXXX they opted for paper statement without telling me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Debt collection

XXXX AKA Lake City Credit has received the complaints I have made to the CFPB. The complaints were to stop harassing me in regards to a Identity Theft /FRAUDULENT / FORGED account. This company has received all the appropriate documentation required by law. The credit bureaus have provided police report, affidavit, signed and notarized. The FTC Identity theft form and several complaints requesting them to CEASE PHONE CALLS & CORRESPONDENCE VIA MAILING. This is not a debt to attempt to collect on. This is a FRAUDULENT ACCOUNT. THIS IS A RESULT OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I have requested both Experian and XXXX to remove the following addresses off my credit report. 

XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX However, address still remain on my credit report Please remove all the other addresses off my report, as they are not deliverable tome by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.