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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, EQUIFAX MORTGAGE SERVI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

XXXX and XXXX Credit bureaus were not able to verify this information but refused to remove it from my credit report. This account has been removed from XXXX. I am asking for this account to be removed from XXXX and XXXX. I thought they only had 30 days to verify if the information is valid and correct. Here is a screenshot of account. Thanks for your help in this matter..
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase about a year ago. I went to buy some additional crypto currency which was very difficult and then they locked my account. I simply want to cash out with them and they will, not allow it. I noticed on the website " XXXX XXXX '' this is a VERY common complaint with them. All I want to do is cash out, access the cash I have with them which I am 100 % entitled to, but they will not allow me to do so!
Product: Credit reporting or other personal consumer reports

I am disputing incorrect late payments on my credit card XXXX XXXX XXXX XXXX with XXXX XXXX. Despite making timely payments my credit report shows late payments to date. I have previously contacted the creditor and provided proof of payment, but these issues remained unresolved. I request that the CFPB assist in removing the incorrect late payments and correcting my credit report to reflect my accurate payment history
Product: Checking or savings account

We deposited 5 XXXX  checks which need a money code and an authorization code that the bank has to call and get. 4 checks of {$2500.00} and 1 check of XXXX. They processed the XXXX but put all 4 checks of {$2500.00} on hold for 10 days. This should have happened being that they were efs checks and they were already verified by money code and authorization code. Bank of America will not release my money and will not give me a valid reason why. None of those checks exceeded XXXX so there was no reason to effect our business the way that they have. We have been business customers since XXXX  and this is how this company treats loyal business owners.
Product: Credit reporting or other personal consumer reports

I am filing this statement to report multiple fraudulent accounts and inquiries appearing on my EQUIFAX consumer credit report which I have not opened or authorized. Specifically, I have discovered that an auto loan or lease was fraudulently opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$2500.00}, and another auto loan or lease was opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$23000.00}. Additionally, there is a fraudulent personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$350.00}, and another personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$2400.00}. I have also identified fraudulent inquiries and accounts on my credit report associated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, none of which I authorized. All of these accounts and inquiries are the result of identity theft and fraud, and I am requesting that these fraudulent items be removed from my consumer credit report and that any related collection activity cease immediately in accordance with my rights under relevant consumer protection laws. These fraudulent items reported by EQUIFAX have resulted in unwarranted negative information appearing on my consumer credit reports, including possible collections and hard inquiries. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all related collection activity cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed Equifax a dispute letter with all IDs included. No reponse? I attempt to get an Equifax annual credit report, impossible. 

I contact Equifax, I am told to fax a letter with all my IDs and explanation. I do exactly that, and I call Equifax, I am told that everything is fine and an Equifax report is being mailed. 

I receive a letter from Equifax saying I need to send IDs again to get my Equifax report? 

My XXXX year old daughter, XXXX XXXX, is reported as primary name on MyEquifax account? 

I again submit electronically a dispute letter XX/XX/2020. Still, nothing is fixed?
Product: Debt or credit management

I made a free membership on experian to check my credit but now I'd like to cancel it because I get numerous useless alerts that can't be turned off and I'm concerned about them selling my data. They make it impossible to cancel, there's no method to do this online and no option to request it via their email form. I've requested more information by selecting " other '' on their email form but I haven't received any help. Incidentally if you select " cancellation '' on the form it refuses to let you submit it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I purchased a dog online which everything seemed so legit since we sent lots of emails and texts before hand. The other person gave me an email to send $ through XXXX or and a chase account # to wire transfer to another chase account.. Ive never used XXXX and figured since it was through my bank I had security.. I sent {$750.00} to a XXXX XXXX and never heard back from him again. I am devastated and dont just have {$750.00} laying around. Chase told me they contacted XXXX but really have nothing to do with XXXX, they are a 3rd party and im pretty much out of {$750.00}. I would think if you have this selection through your bank there should be more security because lots of other customers who dont know about XXXX will think the same as me.. please help me
Product: Money transfer, virtual currency, or money service

I deposited a check and they dont want to give me my check they say that the check is a fraud but the money is already in the bank and they have closed my bank account, they say the the number that the insurance number but they say that the numbers dont match the number they have. That check has been there for XXXX  months now.
Product: Credit card

XX/XX/year> - I noticed a late fee with Bank of America on an account that was set up with autopay. I contacted them, they refunded the late fees, and set up my auto pay. I was alerted that my credit score had plummeted by XXXX points on XX/XX/XXXX, because the autopay they set up was no longer working, and BOA had made no attempt to notify me of the issue. For over 20 years I have never missed a payment, and now my credit is ruined.
Product: Mortgage

A letter dated XXXX XXXX, 2016, from Nationstar Mortgage stating that ( XXXX ) I 'm currently behind on my payments which put my mortgage at risk. ( 2 ) It 's important that you contact Nationstar immediately before the foreclosure review process is initiated, which could lead to loss of the property. If you are interested in an option that would allow you to leave the property and avoid foreclosure, the Mortgage Release Program below can provide a graceful exit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.
Product: Debt collection

I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?
Product: Credit card

The lender 's ( Fifth Third N.A. ) payment system erroneously duplicated a payment of {$2400.00}. Combined the duplicated charges would have totaled {$4800.00}. The account only had an approximate balance of {$3900.00}. If both payments were successful the account would have been overpaid by approximately {$800.00}. I instructed my issuing bank ( XXXX ) to return the second duplicate charge. Fifth Third N.A. now states that the account will be on hold until the next billing cycle due to the returned payment. Even with the fist correct payment went through. This does not sit right with me. It was an erroneous duplicate payment and now I have to wait 25 days to utilize the account again?
Product: Credit card or prepaid card

We have always paid our CC early with the company Barclay Have been with this company for over 5 years XX/XX/2018 Always in Great Standing Never ever late EVER.. 
Always pay more then is due.. 
Credit limit was {$10000.00} recently, due to health conditions, I was laid off a job and taking care of health concerns! Due to lower income have used if your credit cards about 40 % But never late on any of them We currently listed our house for sale to downsize and its in escrow Barclay chose to lower our limit to XXXX and financially harm us in the buying of a new home, based on how usage of other cards not even their own Other cards that weve never been late on And have no collections are negative reporting whatsoever We have only Utilized 10 % or less most of the time With barclay! 
Yet they lowered our limit to {$1600.00} financially harming us while buying a new home They said it was due to high credit usage on other cards .. from credit report While selling our home and getting ready to move to smaller one to adjust our lives We noticed our credit score dropping 40+ points due to Barclay lower our limit Afraid we would do the same to them Although we never have in 5 years.. 
My husband still makes over XXXX year with his good job. 
Pays All the bills ON TIME When calling they Were made aware of the harm Their unethical actions caused us I spoke first with agent at portfolio unit name XXXX he said he could fix this but would have a manager reach out to me Then A mgr named XXXX called me To say sorry I could reverse this but wont Even knowing the harm they were causing us .. she was still unwilling to fix this! 
Said sorry And thats it! When I told her we would be contacting the CFPB To file a report and claim, she said she didnt care .. like CFPB doesnt help people, when I know they always have been a great support to us over the years
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Credit card

The company claimed, in a response to complaint ID XXXX  on XXXX that it was sending a card and to-date no such card has ever arrived. The company 's response claimed that the card would be issued and should arrive within 7 - 10 business days. It's now been 26 business days.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), GOLDMAN SACHS BANK USA is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties.

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of GOLDMAN SACHS BANK USA with whom I have a direct relationship. They are separate entities from GOLDMAN SACHS BANK USA that provides my financial information. They ARE NOT jointly employed by GOLDMAN SACHS BANK USA with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that GOLDMAN SACHS BANK USA complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 
Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by GOLDMAN SACHS BANK USA XXXX not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of GOLDMAN SACHS BANK USA internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Bank account or service

Hi, I was Included into this, XXXX XXXX Zions First National Bank,, I, m Sorry to say, I NEVER HAD a Bank Account with Zions First National Bank Period, on the Legal Notice I Got in Mail from XXXX XXXX XXXX, there were Names of lists of Co, s that ACH Debit, s from peoples Banks, they Withdrew Money,, Well I Got Past, Cyber Crime on all my Emails, from My First Computer I Bought in our House only 1 in house Mine. when I used this Computer, I always Got these Return To Email Server,, Mailer, XXXX, or POST,, on a lot and Even Legal Documents that are about Organized Crime, I, m a Ex Explorer worked for XXXX, under EX Chief XXXX XXXX XXXX, when I was younger and Trained, etc got Hired, I had a lot of Emails pertaining to, Insider Trading Acts, Surveilance, Eavesdropping, By a XXXX XXXX, since my first computer I, ve been involved in, So Much Fraud Acts, from my Phone Calls and Costs, Mail Criminal Documents, Costs, Faxes Costs, and Time and Gas $ , I, m Very Sure Posative that these Telemarketers & Internet Marketers have been doing Crimes to me and Familly, from past till Now still going on, I Got all my Evidence by Phone Records, Mail Receipts, Cyber Emails from XXXX, XXXX, XXXX, XXXX XXXX Evidence from Most All these Companies that are listed on back of My Legal Notice, Now I have Stated to the U.S. Security Exchange Commission my Financial Losts and Health Issues on Crimes etc, just 3 Days ago, NONE Perjured, My Word is Honest, and XXXX,, Telling you what I think is going on I, m Not a lawyer, But My Thoughts are My Evidence and its Good, This Class Action settlement is From a Criminal Group that have, Racketeered for Profits on everything dealing with my Business and Moms Business and I, m Sorry to Say My Street is Involved full Home Owners and Names for Evidence at my Street, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX,, Last I, m very sure that the People involved are More involved in Crime then there, Debits ACH Money Withdraws, on people in the Settlement, Ending I hope you can give me a Legal Documents from my Email info and your Details etc and Send me All Legal Info I Need to Add to my Cases Pending for Court,, plus I can have the US Securitys Exchange Commission talk to you about my Evidence and Whats Realy Going on Now Present etc, Thankyou, I, m sorry this is a Shock to your Case, I, m Hoping we can agree to the right Documents and the Right answers, To Help eachother and everybody Else, By, This Document is TRUTH, Not Perjurized,
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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