23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Yeah there's been a lot of fraudulent in my account banking account checking account 7 I like the last two years and I already reported to to the IRS and to the local police are commercial a verify myself it's hard to verify myself because I own all the banks in all the stocks and bonds and securities. And I have a couple identity reports on my bank account and got reimbursed I didn't eat that money and then lost ID that money to the same people to get the first time then opposed to get credit and all these stores and I'm not letting me get my Consumer Credit based on my name and Social Security. And then by legal rights I have all right heard a Patriot Act to get report of My Consumer Report which states that all my rights are reserved and in that all my right are exercise on because of the foreign land in the entity of the land in a foreign country because I'm from a foreign country on different land and my fellow and sisters chife XXXX which I inhave the same bloodline the oldest I have the oldest bloodline in the world has the keys to the Mayan bloodline which makes me the rarest blood line in the whole earth from when they first started with v which is he way that I own all the land because I have the bloodline from the very beginning so now I feel like that history is repeating itself and is modern-day slavery because what is happening to me and they're not giving me my rights and their vile all of my rights civil rights in every race known to humankind and what is going on is very unethical and deceitful and my name is the XXXX XXXX XXXX born XXXX XXXX XXXX, and then recently found out that that's not my real birthday or birth place in my real name is XXXX XXXX XXXX born XXXX XX/XX/XXXX from the XXXX XXXX. So I am making his complaint to get some clarity so I could claim was mine because my whole life I've been electronic gangstalked harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$86.00}
Product: Vehicle loan or lease

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt.

Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Product: Credit card

I opened a Discover credit card. Note that Discover has been running NUMEROUS adds touting that it has a XXXX time late payment forgiveness feature. My credit limit with Discover was {$1900.00}, I had used approximately {$1000.00} of my available credit. I was 5 days late with my payment in XXXX 2015, and although Discover waived a late fee ... .they then lowered my credit limit from {$1900.00} to the outstanding balance at that time which was approximately {$1000.00}. 
As a result, due to the actions of Discover card, worse than merely charging me a {$30.00} late fee, they cut my spending power in half, thereby knowingly and intentionally reducing my credit score by falsely and fraudulently manipulating my available credit to balance ratio as well as violating their advertised late payment forgiveness. 
The multiple advertisements on national television stated that there was NO PENALTY, not that Discover would, without any recourse, knowingly and intentionally manipulate your credit score was never revealed. I believe it is a false and deceptive practice, not only to penalize someone for making a late payment when you are specifically touting your no penalty policy, but to nefariously manipulate credit scores and penalize me nearly {$900.00} is malicious and intolerable.
Product: Credit card or prepaid card

XXXX I received an email from Capital One offering a promotion for balance transfers stating I would receive 0 % XXXX for XXXX months with a 2 % transfer fee. It clearly stated that the offer was valid through XX/XX/22 and said nothing at all about it having to be submitted by XXXX. Upon trying to redeem the offer, the link they sent me took me to an online form for a balance transfer with an APR of 19.99 %. When I called to inquire about the mistake, the " Senior Account Supervisor '' XXXX stated that the offer must no lot be available and said it must be because it was after XXXX XXXX ET. She refused to explain why they would contradict the written offer I was sent and refused to honor the offer that was made to me. She also stated that no one in the company ranked higher than her would hear from me or contact me. Not sure if that is true but I find it suspect that she suggested I should call back and try another supervisor.
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account number:XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX credit report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint and dispute regarding identity theft that has impacted my credit report and financial records. I believe that my personal information has been used fraudulently by an unknown party without my consent. 

The details of the identity theft are as follows : Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Account Affected : SENTRY CREDIT ( {$4900.00} ) I first became aware of the identity theft in XXXX  when the collections account posted to my credit report. Upon reviewing my records, I found that by disputing it XXXX deleted the account. XXXX and XXXX are giving me issues with proving the fraud
Product: Debt collection

received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}
Product: Mortgage

I closed my escrow account. The bank issued me a check in the amount of {$6.00} which was the escrow account balance. I deposited this check into my checking account and the check bounced.
Product: Checking or savings account

On XX/XX/2021, Bank of America refused to honor a valid negotiable instrument drawn on it in violation of UCC Sec 3-104. Initially, the bank refused to cash the check. I then requested that the bank issue a Teller 's check in replacement of the check I was given, in accordance with Associated Carriages , Inc. v. International Bank of Commerce. The bank still refused to comply. I told Mr. XXXX XXXX XXXX, the Financial Center Manager, that the Bank 's refusal was illegal according to the UCC. Mr. XXXX told me that I would have to speak with a bank attorney, to which I agreed. However, then Mr. XXXX insisted that I leave the bank, without permitting me to speak with the bank 's attorney. The only legal exception to UCC Sec 3-104 is if the bank has doubts over the identity of the payee. As I requested a Teller 's Check in the same Payee name, such a defense is not valid here.
Product: Credit reporting or other personal consumer reports

After opening a platinum credit card account in XX/XX/XXXX, the account information such as my credit limit and payment history reflected perfectly on my credit report. After checking my Experian credit report in XX/XX/XXXX, I noticed that information such as my credit limit and payment history for my platinum card were no longer visible on my Experian credit report. The information also stated that I disputed the account and I never disputed the account. I filed a dispute with Experian to fix the inaccurate information and to remove the dispute that I never filed and after the dispute was completed, the inaccurate information remained on my credit report. As of now, my Experian credit report continues to show inaccurate information about my platinum card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I signed into my Wells Fargo online checking account via Desktop computer. Began a Bank Transfer to another linked bank as I often do. As of recent, a security code is sent to my cell phone on my profile. After pressing resend link XXXX times, the code never went to my cell Text. I looked for a drop down to send the code thru Voice Call or Email on file. There were no other options other than text to cell on file. Wells fargo agent had me send a text Help text, then I received a Wells Fargo Test text without issue. 
In summary, Wells Fargo Blocked, denied access to my own personal money deposits and would not allow a Bank to Bank Transfer without receiving a text code due to technical issue with Wells Fargo. It is mandatory, Online Transfer can NOT be conducted unless the customer has a Cell phone app. If my Cell phone was lost, damaged, or not available, or If I could not afford a cell phone, WElllS Fargo Bank is blocking use of access to my Deposited money transfers to Linked Banks or Debiting. Wells Fargo is forcing customers to use only a Cell phone to make on line transfer debits. if the technology is failing, customers are Blocked/locked out from accessing their money online.
Product: Credit reporting or other personal consumer reports

I CONTACTED CHECKR ASKING THEM TO UPDATE MY BACKGROUND CHECK WITH XXXX, AND XXXX REPORTED TO ME THAT CHECKR HAS NEVER UPDATED MY BACKGROUND CHECK ERROR WITH THEM.
Product: Credit card

I applied for an Amazon store credit card and was denied ( not approved ). I contacted amazon for the return of my application and was referred to the issuing bank synch bank and they denied me return of both of my applications as they forced me to apply a second time claiming no prior application was submitted. As i spoke to the account manager XXXX # XXXX she had access to both applications, but said i was approved for a secured card. I explained that per Title 15 1611 it was not legal to deny me my own credit and she disagreed stating if i sent money i could access my own credit. I explained that per UCC title 42 sec 408 no lawful money existed and it was unlawful to ask for my ss number and to not return my property since i was receiving no benefit. per title 15 1602 the unauthorized accessing of my credit report with no benefit returned would be returned in adverse action she could only provide me with an address but no email or phone number to discuss this further. I responded that the securitization of this instrument would be responded to in court as I discussed this with the Amazon representatives as well. I believe this is theft and I am disappointed it couldnt be met in a manner that was sufficient to both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX. 
Thank you.
Product: Debt collection

I have checked my credit report about a year ago and noticed that this there was an account by Allied Collection Service that is not mine. I disputed this account with the credit bureaus, also I sent certified mail to the Allied Collection Services to validate this debt. I had received a notice from experian stating the accounts was updated. However, the update not only included the same false information, but also showed the account was not listed in dispute. I disputed this account again with XXXX and again, the accounts were shown verified with the same information.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they report.
Product: Mortgage

Rocket Mortgage is holding an escrow account for Flood Insurance that they say is Federally mandated. 

I would like confirmation that this is, in fact, a federal mandate, or to know if Rocket Mortgage is making fraudulent statements to me. 

Thank you
Product: Checking or savings account

On several occasions, I have asked them when is my funds going to be available. I requested that I had bills that needed to be paid. Currently, my phone in off. I am 3 months behind in rent, need my storage unit to be paid, XXXX XXXX renewal. I couldn't pay for my car to be fixed so I had to let it go. Information that I provided on XX/XX/XXXX, I will submit a copy. Today, XX/XX/11, I sent to their email on XXXX. Since my funds on low I was unable to print out those emails to put on PDF 's. I will be evicted at the end of this month.
Product: Vehicle loan or lease

I have been trying to reach out to XXXX financial in regards to a Lien on an old auto account ( 2005 ). I have came to find out they are no longer in business and has been taken over by another financial institution. ( Ally ). I have reached out to them in regards to my request without success. I no longer have the vehicle and was repossessed/ given back to them. I no longer have the account information that I am needing to be able to get a Lien release from said account.
Product: Money transfer, virtual currency, or money service

Coinbase Inc is refusing direct refund of XXXX XXXX transfered from my account to coinbase address ; XXXX on XX/XX/year>, claiming that Coinbase acted only as the exchange platform for the peer to peer transfer Even though they have IN THEIR POSSESSION KYC/KNOW YOUR CUSTOMER INFORMATION of the OWNER of the recipient address. They have, however, Granted Permission for me to file with consumer finance, and XXXX for FRAUD INVESTIGATION ; saying that they are READY AND WILLING TO COOPERATE WITH ANY LOCAL, STATE, OR FEDERAL INVESTIGATION as per CASE NUMBER : XXXX. 

The owner of this coinbase address ; XXXX used persuasive tactics to recieve ethereum deposits on their marketing platform, www.bizlying.com, only to restrict withdrawal later, seeking a further {$10000.00} deposit before refund can be initiated. 

I am Seeking through Know Your Customer/XXXX  Information on file which was FILED with Coinbase, the real identity of the owner of coinbase address : XXXX, who recieved ethereum from my coinbase ethereum account numbered : XXXX on XX/XX/year> through the following hash numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX 

FOR THE FULL REFUND of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totalling at the time XXXXXXXX XXXX ( {$6000.00} ).
Product: Checking or savings account

Our Condominium Association, XXXX XXXX XXXX XXXX XXXX. Banked with CIT through our former property management company, XXXX XXXX. Without notice to the Condominium Association, XXXX XXXX closed our Bank accounts. It was a disaster checks bounced, and homeowners had no way of depositing payments. We asked CIT Bank if the Board could set up accounts to avoid disruption. However, CIT Bank said that was not an option because they only work through Property Management Companies. While we worked on opening new Bank accounts, we tried to retrieve our Banking information past and present from CIT Bank. We paid a small fee to CIT, but the Bank Statements were encrypted XXXX XXXX XXXX XXXX XXXX. The Board asked CIT Bank to decipher our Statements because it contained our financial history, we were told it would cost us {$50.00} an hour. We are planning an audit, but it is impossible with Bank Statements. CIT Bank said it will cost in excess of over {$5000.00} to decipher our Bank Statements. We can not afford that cost, and we should not have to pay such an exuberant amount of money for our information. 
CIT Bank is holding 6 years of our information hostage for a ransom of over {$5000.00}. This is unreasonable and unfair. Our new property management company, XXXX XXXX XXXX offered to help, but CIT Bank also refused their attempts at obtaining out Bank Statements. We continue to struggle with CIT to release our information to us rightfully without cost. Please help.
Product: Student loan

Navient XXXX XXXX XXXX XXXX PA XXXX is the lender.. XXXX they are calling 5 to 6 times a day. " robocalling '' my work phone. 

I've asked them to stop but the calls continue... Even being paid up, it's now stop..