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

I was denied an extension of credit from Synchrony Financial/Amazon which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Product: Credit card

I have a Best Buy Citi Bank credit account, This account belongs to me since XXXX tried to change my phone number and my password the system would not allow it .I called the company and got XXXX  customer service people who were no help!! Its been like this for 40 days .I need your help with problem. 
The Best Buy phone number is XXXX
Product: Mortgage

Faye services lost payment causing my home to be in default Sent a book of all payments and bank statements They agree but will not correct.now the payment is extremely high barely living. Because we have to have a home I can send all papers but not on this forum it's too many sheets. Have spoken to 20 people at the least. Nothing is being done, and I have called every day since XXXX of 2021. I can be reached at XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX Balance Owed : {$1700.00} -Charge Off XXXX XXXX XXXX Date XXXX Balance Owed : {$46000.00} -Charge Off XXXX XXXX  XXXX Date XXXX Balance Owed : {$9400.00} -Charge Off XXXX  XXXX XXXX Date XXXX Balance Owed : {$4200.00} -Charge Off XXXX  XXXX XXXX Date XXXX Balance Owed : {$7400.00} -Charge Off XXXX XXXX Date XXXX Balance Owed : {$0.00} -Late/Closed XXXX  XXXX Date XXXX Balance Owed : {$19000.00} -Charge Off XXXX XXXX XXXX Date XXXX Balance Owed : {$51000.00} XXXXCharge Off XXXX XXXX Date XXXX Balance Owed : {$2300.00} -Charge Off XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was a result of a mistake and that I have not violated any of PayPal 's policies or guidelines. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user for [ duration ] years. Throughout this period, I have conducted all my transactions with utmost care and adherence to PayPal 's terms of service. I have never engaged in any activities that could be considered a violation of your policies. 

Considering the above, I kindly request PayPal to re-investigate my case thoroughly. I understand that errors can occur, and I am hopeful that upon review, you will find no justifiable reason to keep my account permanently limited. It is my sincere hope that you will take the necessary steps to rectify this situation promptly. 

My PayPal account has been an essential tool for managing my finances, both personally and professionally. The limitations imposed on it have caused significant inconvenience and distress. Restoring my account would enable me to resume normal operations and continue using PayPal 's secure and convenient services. 

I kindly request your utmost attention to this matter and a swift resolution. If you require any additional information or clarification, please do not hesitate to reach out to me at XXXX. 

Thank you for your understanding and cooperation in this appeal process. I look forward to hearing from you soon with a favorable update on my account status. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid the debt to the collection company and they keep hitting my XXXX cerdit with new accounts and say that that new account is not payed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/year> XXXX XXXX, Last reported XX/XX/year>, {$6900.00} in the State of XXXX , on or, and resold on or about DATE. Under the laws of the State of ( XXXX ) XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

: Note- This is not a duplicate complaint Subject : Formal Complaint Against Experian for False Credit Reporting and Antisemitism/Discrimination Violations Date : XX/XX/XXXX To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian Credit Bureau regarding false credit reporting and potential violations of Antisemitism/Discrimination laws. My personal information and the details of the dispute are as follows : - **FTC Complaint Number : ** XXXX - **Experian Credit Bureau Account XXXX ** XXXX XXXX dispute - **XXXX XXXX Accounts : ** # XXXX & XXXX Upon reviewing my Experian Credit report on this day, I discovered inconsistencies in the reporting of XXXX XXXXXXXX accounts # XXXX & XXXX. These accounts are incorrectly marked as charge-off accounts, and, upon further investigation, I found that XXXX XXXX is also listed as a business account. I did not own any company in XXXX, and therefore, this information is inaccurate and misleading. 

I have diligently attempted to rectify this issue by filing a complaint with the Federal Trade Commission ( FTC ) against both Experian and XXXX XXXX. Despite numerous attempts to contact both entities, I have been directed back and forth without a resolution. This lack of cooperation is frustrating and appears to be a deliberate effort to avoid addressing the false reporting. 

What is particularly concerning is that this false reporting has led to a significant decrease in my credit score, despite a positive payment history and the successful resolution of many accounts, totaling hundreds of thousands of dollars. My score, which should reflect in the XXXX based on my good payment history, has been unfairly reduced to the XXXX due to these inaccuracies. 

I strongly believe that this is not merely a case of reporting errors but a form of discrimination. As a taxpayer and citizen, I am entitled to the American success that should accompany a good credit history. However, Experian 's actions are hindering my ability to achieve this success and negatively impacting my life. 

I request the Consumer Financial Protection Bureau 's intervention to ensure consumer rights protection against this type of Antisemitism and discrimination. I trust that your agency will thoroughly investigate this matter and take appropriate actions to rectify the false reporting on my credit file. 

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

I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX  via the XXXX Network ( XXXX XXXX  ) issued a {$400.00} retail card funded by the XXXX Temporary Risk Corridor Program in XX/XX/XXXX. I activated the card, but the mailer I have kept did not indicate an expiration date, nor did the XXXX site mentioned and listed on the card. The website showed the expiration date as XXXX/XXXX/XXXX, and I also called XXXX, and they confirmed this was correct. I have not yet been able to use the funds, and checked the website XX/XX/XXXX to find a new banner since the last time I checked the website saying all cards had expired XX/XX/XXXX, and the funds were zeroed out, status : Closed - Member is no longer eligible. I called again to be told the program was " retired '' and I would have to call after XX/XX/XXXX to receive a refund check via mail. The agent said mailers were sent out to explain the program was retired, but did not say when, and I am certain one was not sent, as I have USPS digital tracking on all mail. A separate FAQ was created on a separate XXXX page that now mentions the expiration date, but this was not mentioned by any document or communication prior. I feel XXXX did not mention the expiration date in the mailer, misinformed of the expiration date when called, and the expiration date show as XXXX/XXXX/XXXX on the XXXX site to mislead customers, and now many of us have lost these funds because of it. I feel XXXX issued the funds on the cards with this intention, and with the intention to retain the funds. On XX/XX/XXXX, the XXXX  complaint respondent, XXXX XXXX, provided no additional information, could not answer any questions regarding the matter, and offered no further resolution, other than continued follow-up at an undetermined date. She had decided her responsibilities were only to confirm mailers had been sent out in XX/XX/XXXX, after XXXX had changed the terms from no expiration date to expiration on XX/XX/XXXX, and to confirm that refunds would be issued after XX/XX/XXXX through an unknown process that may or may not require further contact. I feel she had no concern or interest that XXXX had violated the federal XXXX Act, requiring a minimum of 5 years before expiration of retail cards. She indicated she had forwarded my concerns to their compliance division, but provided no other details or contact information. Again, I feel XXXX intended to retain a portion of these funds through a process of misinformation, change of terms, and failure to communicate recourse to its customers. A total of {$200.00} XXXX was provided by the XXXX Temporary Risk Corridor Program for these retail cards, and now an unknown number of customers and unknown total amount has not been provided because XXXX has " retired '' the program.
Product: Credit card

I have tried to apply for a capital one card but the company says they observed activity that goes against their terms and conditions but I havent had a credit card with them in over 5 years and was paid and closed as agreed
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints against Experian for their unlawful practices, violating my consumer rights. I have not authorized Experian to report any information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. XXXX failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Experians failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX/Account XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Account # XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Account # XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Account # XXXX Balance : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX/Account # XXXX Balance : XXXX XXXXXXXX : XX/XX/XXXX Unauthorized Inquiries : 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  This failure to prove the alleged debt is attached to me is a violation of my rights under federal law. I requested verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, and I have not received anything. It raised concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me and this is a violation of the FCRAs requirement for a permissible purpose in reporting credit information. I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Experian fair opportunities to rectify this issue, but my credit file is still being bullied around.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I am writing to file a formal complaint regarding Debt Recovery Solutions LLC, specifically regarding their unauthorized debt collection activities in the state of Ohio. According to the Nationwide Multistate Licensing System ( NMLS ), as of XX/XX/XXXX, Debt Recovery Solutions LLC ( NMLS ID : XXXX ) is not licensed to collect debt in Ohio. 

During my attempts to verify Debt Recovery Solutions LLC 's licensing status, I spoke with a representative, on XX/XX/XXXX, and expressed my intent to confirm their NMLS ID before paying the debt. Despite my efforts, the representative provided an ID number ( XXXX ) which did not yield any results on the NMLS website. 

Under Ohio law, debt collectors must adhere to state regulations and obtain the necessary licenses to operate legally within the state. Operating without the required license is a clear violation of state law.

I have formally submitted this complaint to you to investigate this matter thoroughly. I intend to also report this issue to the Ohio Department of Commerce and the Ohio Attorney General 's office for further investigation and appropriate action.
Product: Mortgage

Hello, I need help. Wells Fargo claims I have a delinquent payment, but I have had auto pay on my account for 12 years and never missed a payment. They continue to claim I owe it and call constantly to collect. I have asked them to tell me the payment I missed, and I would pay it. But they can not. My complaint has been open for over 100 days, and sent to XXXX escalation departments. But no one as been able to tell me what date I missed my payment. And now they are not returning my calls at all
Product: Mortgage

1. On XX/XX/XXXX I contacted Selene Finance, LP and requested a copy of the second XXXX Escrow Analysis which alleged to have been completed in XX/XX/XXXX. Representatives with the company stated that there was not an escrow analysis completed after XX/XX/XXXX, but that they were in process and I would receive it when completed. 
2.More than 30 days have transpired and As of XX/XX/XXXX I have still not received an escrow analysis redone from Selene Finance LP/XXXX  XXXX 
3. Escrow for Tax and Insurance related to property and casualty is an annual requirement, but Selene Finance LP/XXXX XXXX has been calculating the monthly installment spread over 36 months, in contravention to regulated requirements on Escrow of Insurance and Taxes which fluctuate 12 month cycle, not a three year cycle. This process would artificially inflate a payment and drag it out over a longer period, which in turn would be fraudulently added to a consecutive year 's projection, after a new annual escrow analysis is performed. Selene Finance has not performed an accurate escrow analysis for the 12 months XX/XX/XXXX through XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed through cash app XX/XX/year> for {$860.00}. I never received the items that I ordered from the seller. I reported this to cash app they denied my claim.
Product: Debt collection

Phoenix Financial Services in cohorts with XXXX XXXX XXXX XXXX, claim I owe them a medical debt of {$960.00} as of XX/XX/XXXX. Just received this mail today that was dated : XX/XX/XXXX. Scam! I do not owe any debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).