23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving continuous calls even after I advised them to stop calling me. I have sent them a cease and desist letter which they have completely ignored. They have been leaving message and calling all hours of the day I feel this is now becoming harrassment.
Product: Money transfer, virtual currency, or money service

PayPal has closed my account for no reason on XX/XX/2022, and is not helping me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I use PayPal very frequently. Also my balance is being held for six months, a total of {$81000.00}. The email linked to my PayPal account is XXXX. They state that my account was banned because of potential risk, however we have a .33 % chargeback rate ( 47 chargebacks out of XXXX transactions ), so this surely can't make sense.
Product: Checking or savings account

Citibank requested that I update my account information, which I have been doing for the past several years. Each time I speak to them, they claim to have updated my information. For months they have been threatening to close my accounts. I have received mail and this alert also appears each time I sign into my online account. It has caused be serious stress throughout this time and has consumed hours of my time on various phone calls to address this issue, which each time, in spite of their promises to resolve it, remains a problem. I live abroad and my access to my account is crucial to my well being and security. In XX/XX/2018, I had another call with a representative who promised this would be resolved and escalated to analysts to have resolved. And when I called again in early XXXX, they promised to escalate this to their analyst yet again and that I would hear within 48 hours by email and by phone. They never reached out to me. Today ( XX/XX/2018 ) I called again because I continue to receive the same ominous messages and threats and they continue to claim it will be resolved without a clear confirmation. I am still receiving these threats, which they are not taking seriously. They have kept me on hold for hours and have ignored my requests. I am unable to terminate my account and move my funds and all direct deposits because I'm an expatriate living abroad. This is unacceptable and their negligence is a clear indication of their discrimination of their customers who are not large profile business accounts. They have violated their own terms of service with their customers and I am requesting that action is taken as soon as possible.
Product: Credit card or prepaid card

At the end of XX/XX/XXXX, I received a CitiBank issued credit card co-branded with XXXX XXXX offering XXXX miles after spending {$7500.00} over 3 months and the privileges of access the Admiral lounges. The annual fee is {$450.00}. In XXXX and XX/XX/XXXX, Citibank launched a credit card promotion with XXXX XXXX which is widely promoted in the XXXX airline cabins. The benefits offered are XXXX miles with {$3000.00} spent in 3 months with the first year fee of {$95.00} waived. 
I called today offering to give back XXXX miles to XXXX and Citibank and to have the {$450.00} fee reimbursed and the card cancelled. Citibank refused to refund even if I cancel the credit card. Citibank claimed that they have a policy of no refund after 37 days while a consumer can dispute a charge billed within 90 days. Citibank is setting a more restrictive refund " policy '' to their own advantage. 
One card was offered with {$95.00} annual fee waived while another premium card fee has to be paid upfront with limited recourse for refund if the card holder is not satisfied with the services and benefits received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your recent investigation of my credit report. However, you are continuing to report inaccurate information on my credit report. Please provide me with the specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using XXXX  or XXXX  is improper validation and a violation of FCRA. The absence of a method of verification FCRA 611 and validating dept ownership via a third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitutes proper debt validation. 

Original creditor : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I logged in to my coinbase account and selected to transfer {$2200.00} worth of XXXX   to my XXXX  account after putting in my XXXX  XXXX   address on the coinbase network a list then popped up of a list of different networks to use to transfer my XXXX  from coinbase to my XXXX  account with the top XXXX on this list flashing in different colors fastest and cheapest option to transfer my XXXX  I chose that one after waiting and waiting a few hours and not receiving my XXXX  in my XXXX  account I contacted XXXX on XX/XX/XXXX to find out what was going on they then advised me that they do not accept the XXXX XXXX to receive XXXX  in my account and thats why the XXXX  wasnt showing and that the XXXX XXXX was owned by Coinbase and to reach out to coinbase I contacted coinbase on XX/XX/XXXX letting them know what happened and this was very deceptive on there part knowing that a lot places did not accept the XXXX XXXX to transfer XXXX and there was no pop up option to let me know that by choosing this XXXX XXXX transfer option that where I was sending it to would also need to accept the XXXX XXXX the rep had nothing to say more than we sent it to the address provided and I told the coinbase rep thats not acceptable because it didnt get to my XXXX  address I filed a written complaint to coinbase on XX/XX/XXXX they responded to me on XX/XX/XXXX stating we explained that the funds have been successfully sent and if I am having trouble locating the funds I sent to contact the company I sent it to this is unacceptable because coinbase owns the XXXX XXXX  option I chose from the list and was the only XXXX on the list that was flashing in different colors XXXX the cheapest and fastest option to transfer my XXXX  they benefited and profited from the fees they charged me to transfer my XXXX  that I didnt received I called coinbase again on XX/XX/XXXX where rep  proceeded to tell me the same thing that they sent it I told her that there should be a disclosure or pop up letting consumers know that if they choose to use the XXXX XXXX that where they are sending there XXXX  to has to accept it also I would like coinbase to refund me my {$2200.00} of XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke over the over phone with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with their XXXX XXXX XXXX XXXX  named XXXX XXXX XXXX, because no matter I did not authorized the credit inquiry at their XXXX XXXX website, no matter I never clicked the submit application button, and closed the web page, the XXXX XXXX website submits the application in a potential client started to fill their online application as I did, no matter like in my case, I never clicked the accept they can make a credit inquiry box, or much less submitted the application by clicking the final submit. XXXX XXXX informed she will submit the claim where this is going to be explained just as I told her over the phone, because I was sure that if the final submit is not done by a potential customer and the boxauthorizing the inquiry was not selected either, if the web page is closed, there was no way the application can be submitted but that is not the case, this is one more thing against online transactions. The asistant manager XXXX XXXX said my claim is handled by a different department and that they will call me tomorrow, or if not, I have to call them. 
No matter her over the phone explanations, I found this online procedure incorrect, unfair, and there is no justification to make a hard inquiry if the customer decides not to submit the application and closed the web page. Also, the assistant manage said clearly this is on the hands of other department, without giving any time frame to solve this. Is a practice that has to be eliminated by any financial institution, There is no justification, no matter the client started to fill the application as I did, if any potential customer decides not to submit the application, the application can't be submitted and much less, the hard inquiry can't be made because it was not authorized.
Product: Money transfer, virtual currency, or money service

Money of {$2000.00} was transferred to wrong XXXX account on XX/XX/2021 from Wells Fargo. After numerous calls between Wells Fargo ( sending company ) and XXXX ( receiving company ), Wells Fargo will not retrieve funds and XXXX will not move money to correct account.
Product: Checking or savings account

I had my account closed at chase bank and I had a remaining balance of XXXX that was owed to me.my ending balance.XX/XX/2019 my account was debited for that amount and a check was issued I was told it would be sent out by the XXXX of XXXX and it would take 7-10 business days to arrive.well those days came and passed I called chase numerous times and I have always got the same respond it was either we sent it out or we can't send it till we contact the issuer.i said its been 30 days and still the check has not been returned unpaid or nothing negative on my behalf.so I dont know the reason why they keeping my funds from me.i have had a set back from this on my bills and had my phone turned off and had problems getting to work and it has been hard for me to bounce back from this issue.XXXX might not effect some peoples lives but it did mines I rely on every pay check I have a daughter and it has caused me trouble since and they still qont give me my funds that I have worked hard for.
Product: Vehicle loan or lease

MY INSURANCE SENTRY SENT PAYOFF AMOUNT TO SANTANDER AND THEY STILL HAVE NOT CASH IT RESULTING IN LATE PAYMENT ON MY CREDIT SCORE CLAIM NUMBER XXXX CHECK NUMBER XXXX. {$23000.00}
Product: Credit reporting or other personal consumer reports

I have sent Experian about several items I am disputing like XXXX  XXXX Discharged bankruptcy that being reported I have contacted them several times about this matter i have supplied them letter from the courts and from the creditor to have the items removed especially the XXXX XXXX  Experian uses XXXX as there source for 3rd party and I have sent them a letter from XXXX advising there nothing in there systems of a XXXX XXXX also there a automobile with XXXX XXXX that need to be removed off entirely as well plus a letter a creditor XXXX XXXX XXXX XXXX to have the item taking off as well
Product: Mortgage

I have a mortgage forbearance with XXXX since XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX to notify them I wanted to end my forbearance and begin to pay my note. I spoke to them many times and was given different information every time I called. Finally, in XXXX I decided to start mailing payments. They returned my payment. I sent it again. I really felt like they wanted to drag this out as long as they could to increase my indebtedness to them. Then they sent me a promissory note of {$41000.00} which I believe is wrong. The forbearance should have ended XX/XX/XXXX, XXXXTheir behavior was so absurd that I began to think there was some kind of fraud going on here. 



SEE THE ATTACHED DOCUMENTS
Product: Credit reporting or other personal consumer reports

Yesterday my XXXX XXXX was XXXX and XXXX and now is down
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 CREDIT AGENCIES : XXXX, XXXX  AND EXPERIAN ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. XXXX DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I experienced what I describe as an attempt to intercept and deny my access to a valid credit opportunity. As well as an unfair and deceptive act against me in a financial transaction.

On that day, XX/XX/XXXX, I went to the " XXXX XXXX '' ( XXXX XXXX XXXX XXXX, according to my credit report ) car dealership in XXXX California and completed a credit application with a salesperson. I was told almost immediately that they would get me financing and to just be patient, which I did and is understandable. Once my sensitive personal information was given all communication was via text message. 

After well over a week of waiting, and near a dozen inquiries on my credit, I was told that they were unable to get me any kind of financing. I told them I was willing to accept a counteroffer or sub-par loan due to my circumstance and I was reassured that there was absolutely no offers given to me by any company at all. 

I have now, almost 2 months later, received a letter from Capital One Auto Finance stating that they extended me an offer of credit on XX/XX/XXXX ; and that this offer is no longer valid. My credit score was lowered due to the inquiry by Capital One Auto Finance, while the offer was never actually presented to me in any form. 

I was unable to get to my job and missed two 8 hour work days after XX/XX/XXXX. This would not have happened had I been extended the offer made by Capital One Auto Finance on XX/XX/XXXX. 

This does not seem like an act of fair credit reporting nor a legitimate use of pulling my credit score. I have an equal right to credit, but I can not access this credit when my sensitive personal information is being abused and mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchases a couch from Raymor & Flanagan using an in store credit application. I did not receive any mail for monthly payments due, and in turn was late on a minimum payment of XXXX . Once realized i was late, i paid the entire balance of $ 700+ In one lump sum. I tried contacting the company to explain the situation, they said the marks would be removed if i paid the balance in full. It has NOT been removed. I have had impeccable credit my entire life, meaning i have NEVER been late on a payment ever before. Not once! And now this late mark on my credit score is ruining future possibilities on obtaining credit.

I believe a credit score should reflect the consumers ability to pay, i have had multiple mortgages and car loans and credit cars that ive never been late on, and now this XXXX $ late fee is ruining my credit experience
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I went to my bank CITIBANK upon request of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$1200.00} ; 2. Deposit the amount of {$1200.00} as stated on the Cashier 's check into his bank account at CITIBANK. 

XX/XX/XXXX, I went to my bank CITIBANK upon request again of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$620.00} ; 2. Deposit the amount of {$620.00} as stated on the Cashier 's check into his bank account at CITIBANK. 

The moment I learned I became a victim of a rental fraud I contacted the bank and spoke with several departments including fraud, checks, customer service but all told me I have to go personally to the bank to report the issue. 

When I personally went to the bank to report the incident, I was told that the bank can't do anything about this situation which happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting an incorrect coding of the XXXX/XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX XXXX/CBNA XXXX XXXX  XXXX XXXX, TN XXXX I never applied for any service or account with this company.
Product: Debt collection

This account has been paid and closed for several years. Contacted company to remove. Having this on my credit report has a negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX failed to remove late payment remarks from my credit reports for the account I have with XXXX XXXX XXXX bank. I pleaded with USAA federal savings bank  that the late payment they reported to the credit bureaus for XXXX of 2019 for the amount of {$370.00} was not my fault. I also pleaded with them to remove the late payment because I had no idea they offered deferments for late payments, and at that time I could not pay the full amount. I told them my story and they refused. So I contacted XXXX and XXXXXXXX to remove the late payment from my account, but they refused to do so.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt,  please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Mortgage

Bank of America ( BOA ) Sold and Invalid DEBT and Loan ( HELOC ) on my Primary home to XXXX XXXX XXXX ( XXXX  ). I have had an on-going and un-resolved dispute with BOA and even though your CFPB show the original dispute has closed - it was never actually resolved. I attempted to resolved with Bank of America of over 5 years now. 
Bank of America did not resolved the the matter rather sold the Loan in XX/XX/XXXX Servicing Released, which I believe was not a valid debt to XXXX and never resolved the original dispute. I have filed a complaint with CFPB on XXXX  as well.. 
XXXX is Relying and using Erroneous information provided by BOA to now Attempt a Trustee Sale on  XX/XX/XXXX. CA Foreclosure Law and other breaches are eminent. 
By both BOA and XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXX XXXX XXXX XXXX XXXX VIN : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit one application only, and that they only had power of attorney / permissible purpose for one inquiry to Ally Bank because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of seven ( 7 ) times to two separate institutions ( Ally XXXX and XXXX XXXX XXXX ), and also provided me with an adverse action letter for in-house financing, making eight ( 8 ) total deposits. Ally Bank received six ( 6 ) of those deposits, as evidenced by their own correspondence ( attached ). 

The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of eight securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. 

The Federal Reserve Act, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per 12 USC 1441 ( g ) ( 2 ). Since none of these applications were returned to me, and since ARS 47-3202 allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. 

As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. 

I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.