23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : # XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 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. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that DISCOVERBANK use against Consumers like myself.

The provisions of 15 USC 6801 ( a ) state 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. 
15 USC 1681 ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.
Product: Debt collection

On the year XX/XX/2014 I proceeded to contract a company 's services named XXXX XXXX XXXX as a activities organizers for adults at XXXX Texas for a total of {$1.00} and paid to begin around {$400.00} but now they are collection the rest of the money. 

They sold a credible idea but this just did not work for my expectancies and I decided not to go along with them and cancel the subscription in the right time as they demanded but a few months later I see it as a collection account. 

Is now under Keynote Consulting I.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by Equifax. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. 

Despite contacting Equifax and disputing these inquiries in writing, I have not received appropriate action or resolution. These inquiries have caused harm to my credit score, which has impacted my financial opportunities. 

Details of the Unauthorized Hard Inquiries : XXXX  Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, which violates the FCRA. 
Equifax is required to investigate and correct inaccurate or unverifiable information under FCRA 611 ( a ) but has not taken adequate action.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA requires that entities accessing my financial data must obtain my clear consent. These inquiries infringe upon my financial privacy rights.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Equifax is obligated to prevent and address deceptive, unfair, or abusive practices. The presence of unauthorized inquiries is a breach of this obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter into both Equifax and XXXX  on XXXX/XXXX/20. I disputed several inaccuracies and asked for the companies to update. Both Equifax and XXXX  have not responded to my letter and its now XXXX/XXXX/20.
Product: Money transfer, virtual currency, or money service

Dear Sir, I am XXXX XXXX from XXXX, recently I have been in contact with a seller of a car on XXXX, I use to be very carefull when it comes to buy but this time the seller I think is a scammer. 

I have bought many cars in US and this is the very first time I've got trapped. 
Before paying I got the seller passport, spoke to hime over the phone, asked for many pictures even some hard to find details for a non knowledgeable average connoisseur to make sure I was buying from someone honest. 

Then I paid the car to his bank account XXXX XXXX asked a shipping company to pick up and the seller wasn't answering anymore. 
The advert also from XXXX. 
And somehow!! the advert is again on. 

https : XXXX I was wondering if it's the same scammer, probably yes. 
You will find all the attached details, link, bank account below : Name of the seller and bank details where I have wired the money to ( probably fake ) XXXX XXXX XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell Phone : XXXX XXXX XXXX Email address : XXXX Wire Instruction : Account Name : XXXX XXXX Bank Name XXXX TD Bank USA Checking Account # XXXX Best regardsSwift code : XXXX Routing # XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX First he has sent me the saving account!! But the money has bounced Saving account : XXXX Now with the checking the money has been cleared on his account. 

Hopefully you can do something about that, I have been trying to find a number to contact the bank where the money has been sent but no success, may be the police will certainly have the power to get that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. 
I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. 
I sent two letters, one with instructions and the other about the soft inquiries, see attached files..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute by mail in regards to incorrect items on my credit report. It has been well over 30 days ( XX/XX/2020 ), and I have yet to get a response.
Product: Mortgage

I XXXX of XXXX I started a loan modification with round point mortgage. After I signed and returned the document in XXXX of XXXX my loan was sold to BSI financial Services. They in turned started their own loan modification. As of this writing ( XX/XX/XXXX ) the loan modification has not closed. they list me as XXXX XXXX  behind because they have not melded the two account, they also list me as being XXXX behind, and have reported me twice as being delinquent to the credit bureaus. Because of their reporting I am unable to qualify for any other loans. They are using this modification to suppress my ability to remove my loan from their institution. Even with Covid it should not take over a year to complete and Modification. Their slow walking the modification has cost me thousands that I could have saved with a better rate, and their reporting a thwarted my ability to get out from under their control. Or qualify for better rates on all my credit needs.
Product: Student loan

my federal student loans have been placed in administrative forbearance multiple times, not by me. they have automatically been placed in forbearance by the loan servicer. when checking my accounts, they have accrued interest during these administrative forbearance and CAPITALIZED INTEREST! I did not request forbearance. the loans were automatically placed there, yet I am being charged capitalizing interest.
Product: Credit card or prepaid card

A fraudulent purchase in the amount of {$630.00} was made to XXXX XXXX on XX/XX/2020 posting to my debit card account on XXXX XXXX. I called XXXX XXXX and Bank of America to report fraud since I did not make the purchase. XXXX XXXX informed me that the merchandise was sent to another address that is not mine and the transaction does not appear on my account history at XXXX XXXX. XXXX XXXX informed me that I would have to go through Bank Of America, my bank, to resolve the issue. I am a regular customer at XXXX XXXX but did not make the purchase or receive the merchandise. Bank of America has attempted to research my claim but each time concludes no fraud. However, they fail to give me specific details of the research and XXXX XXXX has no record of Bank Of America reaching out to them.
Product: Credit card or prepaid card

On XX/XX/23 I purchased a US Bank {$500.00} gift card from XXXX. The magnetic stripe was unreadable at both merchants I tried. I immediately called US Bank & asked for a replacement card. I received the replacement card today XX/XX/23 but the balance is XXXX dollars. I called US Bank again today & discovered there was a fraudulent charge of {$500.00} at a XXXX in XXXX, Mississippi on XX/XX/23. I live in XXXX, Tennessee & have never been to XXXX, Mississippi. 

US Bank says it will look into the matter & respond within 90 days. This is an inadequate & much too slow response.
Product: Checking or savings account

My brother passed away a year ago as of XX/XX/XXXX of this year. I notified his bank ( Bank of America ) and they told me I had to fill out some paperwork which I did. I sent everything that they asked for and still they refuse to release the funds and I don't know why! I'm concerned it's been a year and I'm still paying an electric bill and water bill at his former residence. It's the start of a new year and now I've received a bill for taxes that are due on the property. They could at least tell me what the hold up is.
Product: Credit reporting

After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Harley Davidson Financial Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Harley Davidson Financial Services for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Harley Davidson Financial Services has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Harley Davidson Financial Services cease such practices immediately.

4. **Failure to Provide Disclosures : ** Harley Davidson Financial Services has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Harley Davidson Financial Services , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Harley Davidson Financial Services and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Harley Davidson Financial Services. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a payment to XXXX XXXX XXXX to pay off my Signature Loan with a Bank of America " Spirit '' Credit Card check. It was check # XXXX. I didn't know it has an Expiration Date on the check in small letters : Deposit or cash by XX/XX/2018. It had an offer ID on it : XXXX. I didn't really look at this check and thought it was good for all time. I was not told anything about this type of check. The date on the check is the date I paid off my Signature Loan. The ATM at a credit union in  Florida OK'ed the transaction and put the money in my XXXX XXXX XXXX . I moved the money from my checking account to pay off my Signature Loan of {$5400.00}. The Bank of America did not accept the check and didn't tell XXXX XXXX XXXX about this transaction. I believe Bank of America has committed Fraud in not accepting my payment even though I didn't understand that the credit card check had an expiration date which the ATM did not catch. Additional programming needs to be put in. It's possible the Bank of America has pilfered millions of credit unions and other banks by sticking the banks with the payment and then not processing the check. By reporting this do I get a reward from the Consumer Financial Protection Bureau? This Bank of America needs to be fined. It's Fraud when a bank won't accept their own issued checks.
Product: Debt collection

I am being scammed by someone who used my identity to make a hospital and Dr bill. I made out a police report and I was not even in XXXX county on the date. I did not go to any hospital or Dr . Nor have I had any credit cards in my name. Someone who used my identity and charged all kinds of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied to open new account with Bestbuy and I XXXX XXXX requested information pursuing a new application detailing the credit bureau that you requested verification of my information that you/Citibank said that you was/were unable to verify. 

Upon telephone conversation XXXX XXXX reference file number above ) you/Citibank on XXXX that XX/XX/XXXX would or could not verify my information but in your/citibank XXXX notice, no credit bureau/contact was/were listed in your FRCA notice for me to contact or pursue legal remedies. 

I spoke to your/Citibank representative, they could only tell that you/Citibank ran an inquiry though XX/XX/XXXX and that you/Citibank would/could not send me any notice of your credit bureau contact and only listed you/citibank as the contact person for credit bureau contact. ( See attached XXXX notice ). 

Uon asking for a supervisor, I was transferred to some named XXXX out of Texas and was told the same and they disconnected my call.
Product: Debt collection

In XX/XX/XXXX, I hadn't arrive home yet and my day answered the door. They asked for me and threatened to take me to jail. My child was afraid. I was told to contact a number and now answer from a debt trying to be collected from XXXX XXXX XXXX  account. The account was charged off in XXXX. Somehow it repeatly gets updated for no reason.
Product: Mortgage

After the purchase of my home, it became apparent to me that the transaction has cost me more harm than good. Purchasing a home should be a wonderful investment, but soon after moving in, I found that it was not the case for me. 

Once I determined that the builder that was introduced to me was not going to honor the builders warranty, I proceeded to do more investigation into the sale transaction and what was intentionally not disclosed to me. It has taken time to get to this point because my first priority was to take care of the hazards on the property to keep my family and me safe. 

I contend that FirstBank Mortgage switched me to a loan program that I did not request without sufficient prior notice. 
I contend that FirstBank Mortgage switched me to a minority program strictly because I am a minority. 
I contend that FirstBank Mortgage took the minority program as an opportunity to increase the mortgage rate. 
I contend that FirstBank Mortgage, through their negligence, did not verify/confirm that the builder they advertised as their preferred builder had a license to build in the state of Alabama or they do not verify/confirm builders licenses for loans that are specifically for minorities. 
I contend that through this negligence FirstBank Mortgage allowed my family, my pet, my property, and me to be put in harm by supporting a builder that was doing business outside the laws of the state of Alabama. 
I contend that FirstBank Mortgage contributed to/caused monetary harm since I had to correct issues that were not honored through the warranty. 

My current out of pocket is {$14000.00} just to prevent water from entering the yard on to the homes foundation and to remove the hazards ( rocks, bricks and debris covered with grass netting ). I will also need to correct the front yard due to standing water due to improper grading. estimate is over {$10000.00}. I could not use my back yard for a year because I feared that any visitors, my pet, and me could be harmed. The county tax inspector indicated that my property would be devalued because of the condition of the yard. The tax assessment was done before I had a chance to correct the issues. Questions about flooring never answered. Flooring is buckling and the estimated cost to replace is over {$10000.00}. At this point I have no idea what other issues may surface due to negligence. I contend that FirstBank Mortgage contributed to/caused emotional harm. 

Now I am at this point of filing my complaint with the Consumer Financial Protection Bureau not only for myself but also for any future customers of FirstBank Mortgage.
Product: Credit card

I have a XXXX XXXX XXXX credit card provided by Chase Bank. I'm paying regularly via a bank account. In XXXX of XXXX the bank I'm using to pay this card changed my information and gave me a new account number and new routing number. 

I am able to pay other debts with this new information ( e.g. XXXX XXXX card ) but for some reason Chase Bank will not permit me to create an ACH transaction using my new information. Chase Bank representatives tell me that the account I am trying to use has been " blocked '' in their system. They tell me that a transaction attempting to use this account information was " rejected '' by my bank in XXXX of XXXX ( three years before I had this account ). They tell me that they have the account on records as a Savings account ( it's actually a checking account ) and that this account can not be used for ACH transactions. 

Chase is telling me that I must receive a form from them, submit the form to my bank, and have my bank request that Chase remove the " block '' on the account. The bank in question is part of the XXXX money transfer system and I have suspicions that Chase is just trying to make it harder for those of us with XXXX accounts as the XXXX service arbitrages traditional international money transfer. 

For my bank 's part, I've contacted XXXX and they've never heard of such a form, they've confirmed that this account has only been in force since XXXX of XXXX, and they have no record of a transaction being declined to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a friend sent me {$150.00} via PayPal for an emergency expense. PayPal immediately put a hold on the funds even though I use them all the time for shopping, etc ... I reached out to them via chat that same day and was told that my friend sent the money under goods and services instead of friends and family and they would have to verify the transaction. The agent said he would mark my side as shipped and my friend would have to just verify on her end. Unfortunately, she has been unsuccessful at reaching PayPal to do this due to her work schedule and the funds are still on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with   XXXX   XXXX   XXXX  . The account is closed with a  XXXX  balance. Equifax continues to validate incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but  XXXX  will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Product: Money transfer, virtual currency, or money service

I recently purchased tickets on XXXX, and I paid using PayPal, which I fund with my credit card. Despite having selected my credit card as my preferred payment method, PayPal pulled the funds from my stored balance. This is the type of sneaky tactic that PayPal used to pursue before it began advocating for consumer choice under the leadership of its new CEO. PayPal says that it wants to put its customers first and act as a consumer champion, but the company completely dismissed my complaint when I reached out both via email and phone. PayPal has gone out of its way to tell me that it would honor my preferred funding source and committed a misrepresentation by not honoring my choice. PayPal 's misrepresentation resulted a financial loss to me by preventing me from earning reward points on my credit card, and it resulted in a financial gain to PayPal by enabling PayPal to enjoy a lower funding cost than it would have had it honored my choice. 

In short, PayPal made a misrepresentation to me that resulted in my financial loss. Moreover, PayPal came to an agreement with Visa, Mastercard, and others in the payments ecosystem that it would honor consumer choice, and PayPal actions as described above suggest it is in violation of this agreement. PayPal 's actions also resulted in a financial loss to Visa and XXXX  XXXX XXXX, which would have been involved in processing the transaction had PayPal honored my choice.