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

In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I applied for a Capital One XXXX card in XXXX of last year that promised to pay me a bonus of {$200.00} if I charged and paid off {$500.00} in charges in the first 3 months. I applied on their site and was immediately approved for the XXXX card without any problems. 

I did make the charges for over {$500.00} in the first XXXX months and paid off the charges before any due date. They did not pay the bonus and when I called, they said they changed the card to something else that would not received the bonus. I did get the XXXX card that was shown on the promotion and they never told me about any change or reason that I would not receive it. 

They owe me the {$200.00} that was the reason I chose the cards. I am mailing a copy of the letter my grandfather helped draft in XXXX to try to get their compliance department to research and do the right thing. They have never even responded. 

This shows that they intentionally had a deceiving promotion, or just lying about paying a {$200.00} if you get their card and charge at least {$500.00} in the first 3 months. I would like you to make them pay me the money they promised by the add that led me to apply and be approved for their card.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX in the fall of XXXX from XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX was the sales representative. I would be in the United States for a limited time, probably three years. During that period, my wife would fulfill her XXXX   requirements to obtain XXXX XXXX. After this, we would return to XXXX where we live. At about the same time, XXXX XXXX was sold to a hedge fund and its name changed. 

My wife received her XXXX  on XX/XX/XXXX. And we began preparations to return to XXXX. On XX/XX/XXXX, I telephoned Mr. XXXX to advise him that we would be leaving and get information about the protocols regarding the lease. I subsequently met with him on Friday, XX/XX/XXXX. He advised me that there would be no problem with the lease since GM had an early return program that allowed for vehicle turn-ins up to three months before the end of the lease. Since I was returning to XXXX, he knew I would not be leasing another automobile. Furthermore, I remember he also made a comment in passing that XXXX would mark the last monthly payment. I found that odd. And I also found it incorrect. XXXX was the last installment, paid to GM Finance ( {$480.00} ). All installments were automatic-payments through my bank, XXXX. After the XXXX payment, there were no further payments dispensed to GM. I presumed that the lease was over, just as Mr. XXXX had described. Afterall, some entity in the payment-chain had notified my bank, or no expected further payments to be made. Who did it? GM Financial? XXXX? XXXX XXXX XXXX? The hedge fund? Who? 

The car was turned in on Monday, XX/XX/XXXX. It was in very good condition with low mileage ( XXXX miles ). The next day we flew to XXXX. And life continueduntil A received a call on XX/XX/XXXX regarding lease termination documents. I never received any except a document dealing with mileage and the turn-in condition. That was given to me upon turning in the car. 

Another call on Friday, XX/XX/XXXX, told me that I had to pay the three months of installments, despite what Mr. XXXX had earlier told me. I then sent an e-mail to XXXX, recounting his earlier conversations with me, as described at the top of this letter. These were my last sentences to Mr. XXXX : I am concerned, amazed and embarrassed that, for some reason, I was mis-advised. And expensively so. I am sure that my recollection of our past conversation is accurate. Please explain. 

I still await Mr. XXXX acknowledgement. So maybe someone in senior management could ask him? 

With the ending of the monthly payments in XXXX, I assumed that GM Financial was satisfied with the deal as explained to me by Mr. XXXX.
Product: Credit card or prepaid card

I was surprised when reviewing my credit report and found a late reported a 30 day late in XX/XX/2019. 
I am not sure how this is reporting, since according to REG Z I should have gotten a notice from Bank of America letting me know that my account is late. I did not get any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Product: Mortgage

tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ).

and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ].

Anti-Bribery Statement XXXX XXXX Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]
Product: Checking or savings account

Today, XXXX XXXX at XXXX ET I received an email from Chime that my credit builder application is almost complete. I have never heard of Chime or requested a credit or checking account anywhere recently. It appears my identity may be stolen so I called them to alert them of this message. They wanted my email address and Date of birth and last 4 of SSN and I hesitantly gave DOB along with my email. They were able to locate the account and close it but would not provide any information as to what kind of account was opened and if their was any credit checks or financial hits/impact to me. They emailed me and said if I want more information I have to provide the last 4 of my SSN and a copy of a filed police report. Seems like they have very loose controls on how accounts are verified in order to open in someone else 's name.
Product: Checking or savings account

On XX/XX/2023, the Citi fraud area called me around XXXX in the XXXX to ask me if I was the one trying to withdraw money at a branch. I told them that it wasn't me, since I was at the airport leaving on vacation to XXXX. Since it was not me, the account was blocked to then investigate the {$3500.00} USD that had been withdrawn the day before, at a branch in XXXX Florida. 

When they spoke to me, I entered my electronic banking and I realized that what they had done was deposit a check in the branch, in my name, for the amount of {$4200.00} USD and 10 minutes later, at the branch, withdraw {$3500.00} USD. Since they were not allowed to withdraw the entire amount, they waited until the next day to try to withdraw the rest, and that was when they flagged me to report the fraud. 

On XX/XX/XXXX, the check bounced, so the funds were removed from my account, and I was {$3500.00} USD down. 

Since the blocking was done at the branch and I was outside the XXXX, the account remained blocked until XX/XX/XXXX when I returned to the XXXX. 
While at the Branch, the account executive told me that my case was already closed, which did not make sense since the {$3500.00} USD had not been returned. Therefore, the executive reopened my case and asked me to wait a few days. 

Days later, there was a letter from Citi asking me to sign a document ( affidavit ) saying that I had not been the one who had gone to the branch to withdraw the money. I signed and sent that paper to Texas. 

Afterwards, in calls with the fraud department, I figured out which branch ( es ) the fraud had taken place. 

I went to the branch and talked to the branch manager. She helped me by understanding how the fraud happened. Someone knew my PIN for my debit account, and with a false Drivers license, the bank gave them the money ( no debit card needed with these two requirements ). When they tried for a second time the next day, in another branch, the branch realized it was fraud, and thats when they called me to block my account.

She has been trying to help me with explanatory emails on how the fraud happened, and even with those emails, my case has been closed and reopened around three-four times.

The branch manager suggested I go to the police and open a fraud report, which I did. 

The reason Citi says the claim is denied, is because someone knew my PIN. 

Almost 8 months after the incident happened, I still have not received the {$3500.00} USD and this is why I am asking for your help to see what can be done
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter fromEquifax stating that they will not remove my information from my report unless I send the following shown and circled in the letter, I am sending copies to you and to the company so that this can be removed persection 605B of theFair Credit Reporting Act : My request was as followed to Equifax : I have mailed off the form Equifax requested for them to remove my information : on XX/XX/year> I have contacted Equifax credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : Credit First XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting these accounts on my credit report as late and i did not get anything from these companies for these inquiries, the XXXX fereral and chase know my information was XXXX and i made a report about the fraudalent activities that took place on my report last year XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, I didn't authorize these inquiries. 
XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
XXXX XXXX XXXX I didn't authorize this inquiry. 
XXXX XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
XXXX XXXXXXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX Lentegrity XXXX XXXX XXXX XXXX not mine. 
Late payments reporting from XXXX XXXX Account XXXX XXXXXXXX. 
XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX. 
All these information is all incorrect that they are reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, Midland Credit Management called the main line at my office, asking to speak with me, and tried to collect on the debt. I summarized the event in an email to MCM. Please review the email for a detailed account. Also, I submitted the complaint to MCM in email to XXXX and through MCM 's online complaint system. I have not received a response. However, I have not received another collections call at work.
Product: Credit card or prepaid card

XXXX : Case Number : XXXX The issue is that I did not then, and still do not now have either an ATM or a Debit card that allows me to withdraw money from my account while I am overseas. So XXXX XXXX has totally missed the point. 

While it is correct that I don't have a US phone number to which the Bank could send me the one-time code, that is not the issue. My issue is that the bank needs to have ALTERNATIVE SYSTEMS IN PLACE so that customers who find themselves in the position that I am in, are able, by some other means than having a US phone number, STILL be able to get an ATM or Debit card while overseas. 

Furthermore, It is TOTALLY UNREASONABLE for the bank to take the position that the only way that this deficiency in their system could be resolved, is for me to return to the USA in order to get an ATM/Debit card. These observations are made in view of the fact that : Firstly : All reports suggest that currently, in the USA, the impact of COVID 19 and its variants is quite severe, therefore I do not want to return to the USA under these specific circumstances Secondly : However, The cost of returning to the USA is price prohibitive. 

Thirdly : The bank needs to have systems in place that customers in my position could use. 

Fourthly : When during my conversation with the CSR on XXXX XX/XX/2020 I had asked for the issue to be escalated upwards that was because there were no avenues for resolution with that CSR. I also found out that the bank could not even send me an XXXX XXXX, which would have been an alternative means by which the bank could verify my identity. So it is clear that XXXX XXXX who reviewed the complaint did not do a thorough review of the matter. 

Yes, I did ask for the matter to be escalated upwards as I was not getting any satisfaction. Hence the length of time spent on trying to resolve the matter. This extended time on the phone was as a result of the Bank 's inefficiency to adequately resolve the matter. Hence, under these circumstances, it is normal for the Bank to compensate me for the long time that I needed to spend on the phone with the various members of their staff. 

Lastly I also ask that the Bank communicates with me about this matter through my email address and not by mail through my XXXX XXXX address which is very expensive for me to Retrieve any correspondence sent to me there.
Product: Debt collection

Wakefield and Associates- when I contacted them to dispute they told me that is something they DO NOT DO. Only one collection is on my credit report for {$1300.00} however after calling they told me the actual price is double and that I owe another amount of another {$1300.00}, making the total sum I owe {$2700.00}. Attempting to collect a breakdown of my bills they gave me wrongful information and complicated steps to complete in order to achieve receiving them, the telephone agent XXXX XXXX even messed up multiple times on purpose trying to explain the process. Proof of everything stated can be verified through their voice recording. They're unwilling to come to a dispute or any agreement and simply want to charge for their own benefit.
Product: Debt collection

They have reported on my credit report that I opened an account with their client XXXX  in XXXX of 2020. They are now collecting on their behalf. That is false. It has been over seven years since Ive had cable with XXXX  and by law they shouldnt be reporting anything on my credit report. Especially since its been over seven years that illegal.
Product: Money transfer, virtual currency, or money service

I sold XXXX to a buyer on XXXX, the buyer paid me through XXXX, and I have all the evidence of the transaction. When the transaction was over, the buyer maliciously appealed to XXXX for a refund, and the buyer lied to XXXX that I bought a camera from me and I did not ship it, and apparently this is a complete and absurd lie and now the money has been returned to this person 's account by the bank without my consent, and I was scammed by him. 

I have all the proof, including recording a video with the scammer on the trading screen of the cryptocurrency exchange. Banks can also check with cryptocurrency exchanges. 

The point is that on XX/XX/XXXX, the bank, without my consent, without asking me for more detailed and sufficient supporting materials, and without checking with the cryptocurrency platform that I transacted with the scammer, solely based on the scammer 's word, the bank deducted my {$1200.00} to the scammer. This practice of the bank has seriously damaged my legitimate rights and interests. 

And the bank closed my account without permission.I can't use my account normally right now. I have balance in my account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 reporting or other personal consumer reports

The credit bureaus XXXX, XXXX and TransUnion have failed to prove that the debt in my credit report is in my name. I have sent multiple dispute letters without resolution and I would like them to remove the incorrect information that is in my credit report and only report what should be under my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from CoreLogic Credco, my information is sent to Credco who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.
Product: Checking or savings account

I have been working to have my deceased stepfather 's IRA accounts transferred to my mother 's IRA account in the same bank, Ally Bank, since XXXX of 2021, so that I could consolidate her funds. I am my stepfather 's executor and mother 's POA, and I am taking care of my mother who has XXXX. I have spent countless hours talking to at least 15 different customer service reps, including their top level ( executive customer relations ), sent an email to the CEO, and been assured on many occasions that the money would be transferred within the next 7-10, 3-5, 1-2, or 0-2 business days. Each time, that period passes without the money being transferred, and I call back, at which point they tell me one of the following : 1. I need an additional form that the previous customer reps didn't mention 2. The forms that I filled out with them on the phone walking me through the information needed was filled out incorrectly and needed to be resubmitted 3. The forms that I filled out correctly were outdated and I needed to fill out the new forms ( which, by the way, were 100 % identical to the previous forms ) 4. The transfer to the institution setting up the annuity for my mother could not complete the transaction without my mother on the phone, even though all the POA documents had been received and approved Many of the customer representatives have been confused as to why this case has had so many twists and turns ( I now have 4 separate case numbers ). I have escalated this case multiple times to supervisors. Nobody seems able to figure out how to resolve this case and I am completely losing hope and my mind, which seems like it may be by design.