23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud.
Product: Debt collection

I received a letter from the law firm of Parnell Parnell, XXXX XXXX XXXX XXXX XXXX, Al XXXX ( XXXX ) XXXX. In this letter, they state that this is in reference to XXXX XXXX, XXXX XXXX XXXX XXXX Case No. XXXX There File No. XXXX. 
First, they state that they are once again writing to me, but this is the first letter I have EVER gotten from them. 
Second, they say that I stopped paying on this so-called debt back in XXXX of 2011, now. Now, this debt collector is out of Alabama where the Statue of Limitations for that state is 4 years. I live in the State of Texas where the Statue of Limitations is 6 years.
Product: Debt collection

I have sent multiple letters to Portfolio Recovery Associates,  collection agency, disputing accounts they have listed on my credit report. I have requested that they validate the debt by providing a copy of the signed contract from the original creditor with my signature on it. They keep sending me a computer generated form letter that states the debt has been validated and ignore my requests to prove their claims by providing my signature on a contract. They tell me that they are NOT required to do that. I sent them a copy the Fair Credit Report Act, Section 609, which states that if I request that documentation to validate a debt, federal law requires them to provide it. They are ignoring all my letters. I spoke to Ms. XXXX in the dispute department today who stated she will " order a copy of the contract ''. She stated to me that they are not required to provide a copy of the contract. Please explain why laws are written to protect consumers if collection agencies think they don't have to follow them. They are reporting multiple accounts to all 3 credit bureaus that have NOT been validated.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax regarding an unauthorized credit inquiry that appeared on my credit report. Despite notifying Equifax of the unauthorized nature of this inquiry and referencing relevant law, they have refused to remove it. 

The inquiry from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX was made without my explicit consent or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, any party requesting access to a consumers credit report must have a permissible purpose, which includes consumer consent or a legitimate business need. However, I never provided such consent to these entities, nor do I have any business relationship that would justify these inquiries.

After discovering these inquiries, I filed a dispute with Equifax, providing all necessary documentation, including my Federal Trade Commission identity theft report, and citing the FCRA. However, Equifax refused to remove the inquiries, citing that " inquiries are a factual record of file access '' and would remain on my file for two years, despite the lack of permissible purpose.

I would like to bring attention to the legal precedent set in XXXX XXXX XXXX, XXXX, where the court ruled that consumer reporting agencies may be held liable for failing to maintain reasonable procedures to ensure compliance with the FCRAs permissible purpose requirements. In XXXX, the court affirmed the importance of adhering to the FCRAs strict provisions on permissible purposes for accessing consumer credit reports. XXXX failure to verify the legality of the inquiry and refusal to correct the issue violates their obligations under the FCRA.

Equifaxs conduct not only undermines the protections granted to consumers under the FCRA, but it has also directly caused harm to my credit standing, with a significant drop in my credit score following the unauthorized inquiry. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate XXXX violations and compel the removal of these unauthorized inquiries from my credit report.
Product: Bank account or service

Dear CFPB representative, On XXXX XXXX, 2016, I tried to withdraw {$800.00} cash from a U.S. Bank ATM ( XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX ) using my foreign bank debit card ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The ATM initially displayed " Please take your cash '' but no cash came out, and then it displayed something like " There was an fault and the transaction was cancelled ''. However my debit card was debited {$800.00} and a transaction fee of {$3.00} was charged. I talked with the teller of U.S. Bank in XXXX, and they admitted that ATM had been having some problem that day and they have received complaints. They told me to submit a dispute from my local bank ( XXXX ) and wait for one week to see the balance updating on that ATM. I submitted a dispute for the failed transaction on XXXX XXXX, 2016 but today I received following-ups local bank saying the U.S. Bank said the transaction was successful and there was no remaining balance associated with this transaction, indicating U.S. Bank did not want to take the responsibility. I also contacted U.S. Bank ATM services but they refused to help me but insisted on resolving the problem with my local bank. So the situation became an endless loop : I submitted a dispute through my local bank as U.S. Bank told, but then U.S. Bank denied their responsibility. I hope CFPB can help me get my money back. Thank you so so much!!! 

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

Dear PayPal Support Team, I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding an issue that has recently come to my attention. I have always valued my association with PayPal and the convenience it offers for my financial transactions. However, I regret to inform you that my experience has taken an alarming turn. 

I have recently been informed by your customer support team that an unauthorized PayPal registration has been completed using my personal information. This revelation is not only distressing but also deeply unsettling, as I have had no involvement whatsoever in this registration process. I must emphasize that I have no knowledge of these unknown PayPal accounts, and their creation has been done without my consent or knowledge. 

At this juncture, I kindly implore your assistance and expertise in thoroughly investigating this matter. It is of utmost importance to me that the truth be revealed and the responsible party behind these unauthorized registrations be identified. I am steadfast in my belief that a comprehensive inquiry will vindicate my innocence in this situation. I beseech your support in restoring the integrity of my PayPal account, which has been compromised due to this unfortunate incident. 

To validate my identity and substantiate my claims, I have attached a copy of my State Photo ID with this email. I trust that this document will serve as concrete evidence of my identity and underscore my commitment to resolving this matter diligently. Moreover, I am more than willing to provide any additional information or documents necessary to facilitate a swift and effective resolution. 

I understand that PayPal is committed to upholding the security and trust of its users, and I am confident that your team will handle this issue with the utmost professionalism and care. I appreciate your prompt attention to this matter and anticipate a positive and expedient resolution. 

Thank you for your understanding, assistance, and continued dedication to ensuring a safe and secure platform for all users.
Product: Credit reporting or other personal consumer reports

back in 2016 in XXXX XXXX companies called my house one was XXXX XXXX I doid not accept the offer how did they get my number I do not know the other one was XXXX  and I told the person on the cell phone not to bother anymore recive XXXX more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the XXXX XXXX my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when the loan company XXXX XXXX informed me of XXXX passive accounts XXXX and XXXX and XXXX called the companies no response called and a machine answered I am asking help
Product: Credit reporting or other personal consumer reports

I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name XXXX XXXX. I called them inquiring about the charge along with the reporting credit bureau. XXXX said they had no record of me and that there was no further information that they could provide to me. I have never inquired with XXXX, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Incorrect Collection Account from TransUnion under 15 USC 168i-5 - FCRA Laws Dear Sir/Madam, I hope this message finds you well. I am writing to request your assistance in resolving an issue concerning an incorrect collection account that has been reported on my TransUnion credit report. I believe that this account has been inaccurately reported and is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681.

Account Information : Creditor : XXXX Account Number : XXXX Date Reported : XX/XX/2021 I have already disputed this collection account with TransUnion, but it was verified and continues to appear on my credit report. Under the FCRA laws, I have the right to request verification of the disputed item, and I firmly believe that this collection account is not valid and should be removed from my credit report immediately. 

I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that my rights as a consumer are protected. I kindly request the following actions : Investigate the accuracy and validity of the reported collection account by XXXX  on my TransUnion credit report. 
Verify that all necessary procedures were followed by TransUnion during their investigation of my initial dispute. 
Direct TransUnion to promptly remove the collection account from my credit report if it is found to be invalid or inaccurately reported. I do not owe any debt to XXXX, and therefore, the collection account should not be affecting my credit standing. 

I understand that the FCRA requires you to acknowledge receipt of this dispute within five business days and to complete your investigation within 30 days. I kindly request that you provide me with regular updates on the status of your investigation and any actions taken to rectify this issue. 

I appreciate your prompt attention to this matter and your efforts to ensure fair and accurate credit reporting practices. Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Furthermore you have 4 business days after receipt of this Notice to block this fraudulent account from my consumer report. according to 15 USC 1681C ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Identify Theft report and proof of identity enclosed as required by federal XXXX. Also the conduct of XXXX XXXX Services is an act of racketeering activity counterfeiting my signature and credit agreement is a violation of 18 U.S. Code 1961. Also reporting the accounts to my credit file with extortionate intent is also a violation of 18 U.S. Code 1961 ( 1 ) This is Notice to Cease and Desist from all communication including the credit report agencies I refuse to pay the alleged debt because I have no obligation to XXXX XXXX XXXX I have never entered into a consumer credit transaction with XXXX XXXX XXXX or its agents or employees and never gave you or your agents permission to use my personal identifying information which was obtained by aggravated identity theft in violation of 18 U.S.C 1028A. See attachment
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went to log in to my Coinbase account and got a " Your account has been temporarily disabled '' message. I immediately went to their support site and filed case XXXX. Since then I have filed about 20 new cases. I've followed all the automated response directions. I've reached out to every employee I can find on XXXX, XXXX and XXXX. I've filed complaints with the SEC and FTC. I have lost XXXX XXXX XXXX of dollars in potential gains as the market has risen and fallen over the months. Coinbase has NO support options. No one you can talk to. As a publicly traded company I can not imagine how they are getting away with this. Can you imagine having no access to your XXXX XXXX account for 4 months with zero support available? I'm not rich and realize that crypto currency is a bit of a gamble but what should not be a gamble is having access to your account and funds. Filing a complaint here in the hopes that anything can be done. Thank you very much for your service!
Product: Debt collection

I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a XXXX party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with XXXX XXXX for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required and. I've sent XXXX letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX XX/XX/XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous emotional distress discomfort and damage..
Product: Credit card or prepaid card

I paid off three charged-off accounts that Capital one has been harassing me to pay for the past three years for an alleged debt that they said I owed. Sending me multiple emails, calling me, etc. I paid off the alleged debt for all three accounts over the phone with a customer service agent ID number XXXX for the accounts, and before I paid them over the phone they agreed that they will be removing the accounts from my credit report because I explained to them how the accounts were negatively affecting my credit score, preventing me from being able to get anything with my credit because it was reporting every month that the account was charging off each month even though it says the last date active on the account was XXXX of 2019. I have all three confirmations for the payments : XXXX, XXXX, XXXX. The accounts attached to these confirmations number were supposed to be removed from my credit report, they are no longer reporting on my XXXX report however, they are still reporting on my XXXX and XXXX, all I ask is for them to please remove these accounts, they got their money and they also agreed to remove them before accepting payment over the phone from me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX trades XXXX. ( XXXX ) I've been using them for almost a decade. Last week, there was an accidental duplicate deposit. XXXX XXXX ( my bank ) noticed this duplicate deposit into XXXX and stopped the XXXX transfer of Funds. XXXX  sent me an email that said that XXXX of the deposits was returned to my checking account, and I had XXXX hours to put the funds back into my XXXX account to make it current. The problem is, when I went back to my XXXX account that very same night, they had already Froze all my assets and all my XXXX which valued well over XXXX at the time. They froze all my assets on a fraud security concern from my bank. After 6 days of trying to communicate with XXXXXXXX  to UNFREEZE my account, they have not done anything. I did all they asked and sent a picture with case number. There is no response from customer service, and there is no access to any of my well over XXXX in assets. It remains frozen and not usable. 

They did all of this because of a XXXX cent duplicate bank deposit. 

Currently, I have no access to any of my assets. From what I've read online, they do this all the time to people and won't release the funds. This is FRAUD. I need your help to get my money from them.

They continually send emails requesting more information or information they say they never got even though I've sent it many, many times. Documents attached
Product: Money transfer, virtual currency, or money service

Hi there, Can you please help? I am formally complaining against Coinbase as they have closed my case while retaining possession of my funds. I ask that they be required to return my funds to me. I have attached a screenshot listing my asset - that should be returned to me. I have been asking Coinbase for access to my funds in the account since XXXX of XXXX. I have given them plenty of time to give me access to the funds, but they continue to provide no access. I had gotten a generic email from Coinbase with the following info : " As outlined in our previous communications, Coinbase no longer supports Bitcoin SV ( BSV ) as of XX/XX/XXXX. As such, Coinbase has liquidated the XXXX  remaining in your Coinbase account. Your XXXX  has been converted to the equivalent market value of another supported digital asset and credited back to your account, minus any transaction costs. Please note, after accounting for transaction costs, and subject to market fluctuations, you may not have received any compensation following the liquidation. '' I want to be able to get the funds out without sharing personal identification, which is what they are demanding- it feels fraudulent. Also, I tried to supply ID, within the size parameters asked, and it refused to load - so my asset is stuck in their platform. The best solution would be a direct transfer, I would ask them to make this available to me without more hiccups with their platform not loading my ID. 
Thank you for your time and help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I have an installment loan with Lendmark Financial Services. I have made monthly online payments for eight months or so without incident and have reduced my outstanding balance to {$250.00}. This month however, I logged in to my account portal and when I click on Make a Payment for this loan, I get an error message that the service is temporarily unavailable. I have attempted to every day the last four days and received that error each time. 

Today I contacted an online rep and called my local branch, and both times the person on the phone stated, " it's always been like that for the last payments. '' They suggested paying by phone but would not take my debit card like the online portal does. Their only other option is to pay in-person with cash, but I'm reluctant to go as my household has essential workers and I'm high-risk for Covid-19. 

I asked repeatedly for their reasoning for why they would not accept online payments at this balance or why they did not disclose to me that my access to a payment service was contingent on my balance. Lendmark failed to disclose that I should expect to be denied a payment service because I was using it to make payments.