23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian has refused to send me a updated disclosure keeps telling me I had to buy it I explained no I do n't I am a fraud victim which has a seven year fraud alert I want my credit report I have n't viewed this in over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to 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 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 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. 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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: Credit reporting or other personal consumer reports

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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. '' Equifax, XXXX, XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance 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. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit card or prepaid card

I purchased a motorcycle part on XXXX from XXXX XXXX using my Discover credit in the amount of {$280.00}. I did not receive the correct part. I contacted Discover and disputed the amount. I finally received a final determination on XXXX. 

A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. 

I notified them again after receiving a letter and discussed the matter with them again over the phone and asked for a higher authority to contact me. I have not received any correspondence from them and they have reversed the credit. 

I refuse to pay for a item that I did not want. I am willing to return the item back but the seller refused. I am unable to use this part as it does not fit my motorcycle correctly. If I used it I would cause serious harm to myself and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting you update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX, Kansas XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Kansas XXXX I request you to provide accurate Address information and Employer information. I am entitled to accurate reporting information Fair and Accurate Credit Transactions Act of XXXX ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs XXXX seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information Reporting incorrect/inaccurate information-Inaccurate Employer Information Please provide detailed description of all procedures used in your process to determine complete accuracy of the information youve reported. Once you have finished your investigations, send me a complete copy of my credit report. As proof of my address, I have included copy of my Lease Agreements dated XX/XX/XXXX & XX/XX/XXXX. 

I have also provide a letter from XXXX Insurance dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.
Product: Bank account or service

I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making two ( 2 ) bill payments in consecutive months and for spending {$1000.00} on my debit card. 

I met these requirements in XXXX XXXX and received a confirmation message on XXXX/XXXX/XXXX ( see attachment titled " Citigold Account Bonus Confirmation '' ) that the XXXX AA miles would post to my account on XXXX/XXXX/XXXX. I then patiently waited and paid the monthly fees associated with the account. 

On XXXX/XXXX/XXXX, I checked in to be sure the miles would be posted as promised, I received a letter incorrectly claiming that no bonus was tied to my account ( see attachment titled " Citibank Letter 1 '' ). The promised XXXX/XXXX/XXXX date came and passed. 

After opening a series of investigations with Citi, they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled " Citibank Letter 2 '' ). I have since read many, many accounts online of this same scenario happening with many, many other Citibank customers. Citi is likely counting on these customers not fighting back on this, but it is time someone like me takes a stand on this. 

Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus, only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical.
Product: Credit card or prepaid card

Being lied to or given misleading information by a company is considered both an unfair and deceptive practice and is in violation of Unfair, Deception, and Abusive Acts Practices ( UDAAP ), under the Dodd-Frank Consumer Financial Protections Act of XXXX. 

Account number : XXXX XXXX XXXX XXXX I filed a dispute for a {$310.00} charge from a fraudulent company overseas, which was shut down by XXXX. The dispute was closed in my favor in XXXX of XXXX, but then PayPal charged me again because the seller said he sent the product to me, which did not even arrive until XXXX - 3 months after the dispute was closed. When the products arrived, it broken. I redisputed, and contacted PayPal Credit ( Synchrony Bank ) on XX/XX/XXXX, and again on XX/XX/XXXX. Both times, the representatives told me that it was over in my favor and that there won't be any more charges or re-dispute. The second representative ( supervisor named XXXX XXXX XXXX told me he will send in all documentations. 

Today, XX/XX/XXXX I learned that my account was charged again, so I contact the rep and talked to the supervisor. I showed them the chat transcripts and was informed that the previous representatives both gave me false information about the status of the dispute. Additionally, I was informed that the previous rep I spoke to could not even send over the documentation as promised, because they do not have the capabilities to do so. PayPal Credit now informs me that they are unable to help me, and that I must re-open another dispute. 

In total, I have been re-charged by a known fraudulent company three times, and have been given misinformation by company representatives on two different occasions. In addition to the hours I have spent attempting to resolve this issue, I am have been treated by multiple representatives in a way that violates UDAAP.
Product: Debt collection

Send them numerous letters to show proof that I owe the amount being reported, but they have refused to provide proof since XX/XX/2020 2020
Product: Credit card

I recently received my credit statement showing a minimum payment of {$250.00}. Because I can not afford to pay the full amount, there is a monthly fee of {$37.00}. In the terms and conditions, the credit card stated there was a minimum payment of {$25.00} This amount is abusive and the original balance has quadruple within a year 's period.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I received XXXX USD on the PayPal, inc app. Shortly after I attempted to transfer the full XXXX USD to my bank account. This transfer to my bank account did not clear. On the same day XX/XX/XXXX I received an email stating I can no longer use PayPal and they would be holding the XXXX for 180 days. I called the company and indicated that it wasnt a merchant purchase and that the payment shouldnt be held for possible chargebacks. I also indicated that I am okay with the account being closed just please allow me to transfer the money to my bank account. They declined. I called back on several different occasions none of which I received any insight as to why the account was closed. I have been faithfully using PayPal, and I have never had any issues with chargebacks. Subsequently I was not able to attend XXXX semester of XXXX due to my payment being held.
Product: Debt collection

I have had repeated calls from a company called AFNI when I XXXX them they come up as a debt collection agency. I have told them I am unaware of who they are, and they try to get me to give them information I am not comfortable giving, at which point the call ends. This company is calling me daily non stop. Recently I received 4 calls in under two minutes from this company. At this point I am looking at this as harassment as 4 calls in under 2 minutes is extreme behavior.
Product: Student loan

Hello. I requested a refund from my loan servicer EdFinancial Services for student loan payments made between XX/XX/XXXX and XX/XX/XXXX. The total is {$2800.00}. On XX/XX/XXXX I requested a refund for these payments. The issue is EdFinancial Services stated the refund would take XXXX business days. This timeline is extremely long and is an unreasonable time to wait for a refund on payments. I believe EdFinancial Services can easily refund this amount much quicker than XXXX business days. This is over XXXX months to wait for these payments.
Product: Credit reporting or other personal consumer reports

I have a nonprofit organization that specializes in assisting individuals who have been impacted by human trafficking I myself the owner have taken multiple courses and certifications to be classified to determine whether someone has been a victim of human trafficking, and I have tried multiple times with both experian and XXXX with assisting my client and there giving me pushback stating that the documents that we are submitting are not valid, which is incorrect.
Product: Credit card or prepaid card

Every since Synchrony Bank took over PayPal Credit request for payments I make for my PayPal Credit have not been sent to my bank. Matters have only gotten worse during the many hours on the phone over the past few months. Now Synchrony is not requesting payments from my bank for both my PayPal Credit and my PayPal Master Card and have closed both accounts. 
The dates and payments are below : I have had more than sufficient funds in my account for each of the payment Synchrony " refunded '' XX/XX/XXXX {$300.00} paid PayPal Credit XX/XX/XXXX {$300.00} " refunded '' PayPal Credit XX/XX/XXXX {$290.00} ( different amount so I could differentiate the two ) PayPal Credit XX/XX/XXXX {$290.00} '' refunded '' PayPal Credit XX/XX/XXXX {$300.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$500.00} paid PayPal Credit ( trying to cover both months ) XX/XX/XXXX {$500.00} PayPal Credit '' refunded '' XX/XX/XXXX {$500.00} paid PayPal Credit ( called and was told to wait a couple days ) XX/XX/XXXX {$500.00} PayPal Credit " refunded '' XX/XX/XXXX {$580.00} paid PayPal Credit ( after hours on the phone via consultant ) XX/XX/XXXX {$200.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$580.00} PayPal Credit " refunded '' ( regardless of assurance all was well ) XX/XX/XXXX {$580.00} paid PayPal Credit XX/XX/XXXX {$580.00} PayPal Credit refunded XX/XX/XXXX paid {$400.00} PayPal MasterCard XX/XX/XXXX PayPal MasterCard 'refunded '' ( Now the problem is with both accounts ) XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$160.00} PayPal Credit XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' XX/XX/XXXX {$160.00} PayPal Credit `` refunded '' XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$380.00} PayPal Credit via telephone XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' The XX/XX/XXXX payment has been deducted from my checking account but is not reflected on my PayPal account. 

XX/XX/XXXX received letter stating my account was closed for " dishonored payments '' We have other accounts with Synchrony that we have no issues with. We have had these accounts for at least four years with no issues until Synchrony and PayPal merged. Something in their system is wrong. Receiving bot replies to my numerous emails and customer service refusing to actually investigate and correct the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my TransUnion credit report and XXXX XXXX  XXXX was reporting a account number consisting of 12 digits which I knew was inaccurate. So I eventually disputed the account XX/XX/XXXX and the account was verified on XX/XX/XXXX. However, I noticed that the account number was changed from 12 digits to 16 digits. In XX/XX/XXXX, I sent a notarized dispute letter to TransUnion pointing out the discrepancies and inaccuracies regarding the disputed account because I do not have a contract for such account number. I also warned them that if they did not properly investigate my dispute that I would be filing a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my first dispute. Due to TransUnion failure to properly investigate my dispute and removing the inaccurate account, it's causing a unwarranted derogatory status to reflect on my report which is having a negative affect on my credit report score.
Product: Credit reporting or other personal consumer reports

According to the FCRA this credit reporting agency has violated my rights as a comsumer. This reporting agency continue to violate my rights by not removing the accounts in question from my credit report. According to the FCRA 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 have responsible cause to believe that the information is inaccurate. This agency continues to report inaccurate information on my credit report. This is one of many complaints that I have filed against this reporting agency and they only change the status of the accounts in question instead of removing the accounts in question. Futhermore I never gave this reporting agency written consent to furnish any information on my credit report. This also violates my rights as a consumer. According to the FCRA. The accounts in question are below. 

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

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : Listed as appeared on credit report- XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit card

I opened up a secured credit card with XXXX dollars of my own money with Discover Card. They closed my account because they tried to take a payment of {$100.00} which was unauthorized and it came back returned. i messaged discover asking when will be my increase and they informed me that my credit card was closed and I forfeited my security deposit.
Product: Debt collection

I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XX/XX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$150.00} and I was never made aware of such debt in writing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly ivestigate ag disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; After several months of trying to get this issue taken care of with the proper channels and the proper procedures nothing is working for this company to follow the law or the rules set forth. It is my under when you dispute something on your credit report it suppose to be 100 % accurate or it cant be report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 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. It is my strong belief that when I disputed these items they were suppose to investigate properly using e -Oscar electronic system to match what the furnisher said is not investigating., I don not consent to that investigation. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This goes back to the proper investigation which was not done, so my question how is this fair and equitable to me the consumer an natural person. 15 U.S. Code 1681b - Permissible purposes of consumer reports. There wasn't permissible purpose to furnish anything on my consumer report without my written authorization. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. There's information on my report hat is still inaccurate for me having these account still on my report is willful negligence on the behalf of this company. I have 2 auto account that are being reported incorrectly and inaccurately the account type is showing auto loan where there was no auto loan. " Loan is a money advance in exchange for a promise to rep-pay the money back over time plus interest. Most auto loan are originated when a consumer wants to re-finance or buy a car from someone who is not a retail auto dealer. A " credit sale " is a transfer of goods in exchange for a promise to pay for those goods, including any finance charges, over time and security interest in those goods.

They are describing this account type as loan when in fact the alleged agreement is known by its governing laws as a credit sale. there's is no loan agreement in place. No goods or money have been " loaned " to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. but after I've said this this company has back a verified this account a accurate and it is mine how is that possible and its still reporting incorrectly. 

the account with the wrong account type are XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 written instructions.