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

I received the official XX/XX/XXXX denial letter of claim XXXX and the evidence provided by BofA is false. I have never transacted business with a XXXX XXXX nor did I authorize the transaction on XXXX Furthermore ; the IP address provided is not my IP Address. I have done my own research and the device info used to make these purchases DOES NOT belong to me ; it is not my devices serial number or IMEI number. I do not have an XXXX account and all other purchases from this account, on both my BofA credit card and XXXX by XXXX XXXX credit card, were determined fraudulent. I have documented proof of an email I sent in XXXX to built by bees making them aware of this fraudulent purchases. They responded on XXXX stating they would correct this fraudulent purchase and refund me. " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. Please see attached for documents solidifying Bank XXXX XXXX falsehood and inconsistencies. I have attached my ACTUAL IP ADDRESS. Claims from credit cards, with BofA and XXXX by XXXX XXXX, stolen at the same time as my BofA debit card were all approved. However, they refuse to approve the debit card claims because they are stating that I approved the transactions, which is untrue and they are using false information as evidence.
Product: Credit card or prepaid card

In XX/XX/XXXX I shopped at a jewelry store in XXXX ( XXXX XXXX XXXX XXXX )  and purchased a pair of earrings using my XXXX XXXXXXXX Bank of America credit card. I was was told by the shop owners the stones were zultanite. When I returned home I took the earring to be appraised to XXXX XXXX XXXXXXXX store and was informed they were not actual stones. 

After several attempts to reach the XXXX XXXX and get resolution ; which did not occur - I proceeded to file a claim with B of A on the {$620.00} charge within the time frame allowed. In XXXX B of A send me a letter with what I needed to do ( see attached dated XX/XX/XXXX ). I complied will all the documents required per the letter ( see attached my letter, XXXX XXXX letter and copy of receipt ). 

on XX/XX/XXXX B of A sent a letter to me stating my dispute was not valid for the following reasons ; " we didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''. I contacted B of A fraud department and spoke to XXXX in Tennessee ; where I was told " you did not send an itemized receipt '' no where in their letter requiring documentation did it ask for a receipt and I included the merchant XXXX slip along with photos of the earrings. I was told I needed a detailed invoice showing exactly what was purchased ; when I asked where this is listed in original letter I was not provided a response, just canned we needed detailed receipt. I requested to speak to supervisor and they stated would call me back. After waiting 10-days with no call I contacted fraud department again this time being connected to Utah and spoke to XXXX. She reviewed my documents, stated she would re-open the file as appeared everything requested was received. 

After 14 days I received the letter dated XX/XX/XXXX which again denied my claim based on the same canned verbiage " we didn't receive documentation stating what you were suppose to receive and how it was different from what you received ''. 

One of the reasons I utilize the B of A card when traveling is to have added protection for issues such as this fraud claim. I have been a loyal B of A customer for over 20 years, never filed a fraud claim and it appears they contract with 3rd party entity to prevent paying out claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion that I have an inquiry from XXXX XXXX pulled in XX/XX/2019 on my credit report that I do not recognize. I have reached out to the company XXXX XXXX to figure out why or how my information was received. They have nothing in their data base. Transunion continues to tell me to get a letter of deletion. XXXX XXXX is stating they can not give me a letter of deletion with nothing in their database. I will not provide information to a company that doesn't have my information just for a letter to be generated. Please remove this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against Transunion, XXXX, and XXXX for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX XXXX XXXX {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX   XXXX C {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXX   {$30.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance Owed : {$130000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. mishandled my private information ( address, name, SSN ). This private information was made available ( either by grossly negligent incompetence or possibly malice ) by Equifax to parties who wish to use my private information and therefor my identity, fraudulently. Equifax failed to conceal this information from these fraudulent parties, making me a potential victim of identity theft. 
This fact of this mishandling was made public around X/X/2017 and I had to read about it in the news before I was informed personally by Equifax by any type of notification such as letter or e-mail. 

I used Equifax 's services in years past to retrieve free credit reports to ensure my credit was free of fraud. This free service is guaranteed by the US government. Apparently this service is also tied to an arbitration clause. Having an arbitration clause tied to a free service guaranteed by the US Government, and which is only available by 3 different companies is suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

An open credit account in Florida is shows on my XXXX account but TransUnion and XXXXits been open since XXXX I found it but no one XXXX are willing to look into it or tell me they can't find it. My credit is questionable but this account is nearly XXXX credit at need usage XXXX , % hurting my score that much more. Also there's inconsistent information when you compare XXXX TransUnion and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan on or around XX/XX/. The loan was approved, however, it was never disbursed. I contacted Upstart and was informed the disbursement was attempted and requested my banking information. I provided my banking information and was informed it would be a few days for disbursement. The disbursement never happened and Upstart informed me my banking information was correct, but the company was investigating the disbursement problem. On XX/XX/, Upstart deducted the first payment on the loan in the amount of {$72.00}. I have contacted Upstart on multiple occasions and was informed my payment would be returned. I contacted the XXXX  to file a complaint due to disbursement of funds. Upstart contacts me and informs me my loan isnt approved and would return my {$72.00} payment. This has not happened and Upstart is refusing to respond to emails or communicate on this issue.
Product: Student loan

I can't remember the dates but I've been dealing with this issue with Navient for about 5 years. Every time I try to ask for a forbearance they tell me that I can't use it because I use it all. They could never give me anything in writing stating that I had when I ask. I ask them can I reduce my payment due to the income I had coming in and the response was short of nothing because you had to answer multiple in order to qualify and when they came up with a total it was still too high for me to pay. So I ask if it could reduce more and they told me that I had to get their manager approval to go any lower. With that being said, the manager denied it. This has been a recurrent issue with them. This causes my credit score to drop when I'm taking the initiative to pay but they won't reduce it so I can afford to pay them. I believe they are getting over on the consumers and not having their best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,
Product: Debt collection

I currently have a XXXX credit card with an {$18000.00} balance, resulting from damages caused by renters. I have never made minimum payment on this card. I requested XXXX allow me to make a {$50.00} a month payment while the case is in court. 

I had owned this piece of property for 15 years and had {$20000.00} in savings. It is .32 acres, has a 14 X 70, XXXX XXXX XXXX single wide mobile and a renovated pickers cabin on it. I farmed organic here until earlier this year. My kids had live here when they were first getting started. Later it was used as a rental. In XXXX I spent roughly {$10000.00} for a new foundation and upgraded the power. Then I moved into the cabin and as I had in the past, rented the mobile.. 

The mobile was rented to a young couple featured in our local newspaper. Their first year here, he put his foot through the living room floor, said it was a soft spot. The males in my family, that had lived here, were over 6 foot tall and weighed more than XXXX XXXX and they never had problems with the floor. There was no soft spot, but I suggested they put a coffee table over the " spot '' to protect it. They did n't and told me he fell through the floor dancing with his kids.

Last winter when it dropped to 18 degrees, the foundation which protected all that was underneath the mobile, had been destroyed when the renter repeatedly crawled around underneath and removed screws leaving the siding open to the weather. The water line froze and broke. When it thawed, water flew, {$120.00} for water and + {$400.00} to a plumber to repair the break. I had asked XXXX for all statements from XXXX to present to show the court the expenses from damages since these renters arrived. To this day, I have gotten nothing. I asked them to let me make a {$50.00} a month payment until I was done with the court battle. Repeatedly I called to check status on all of these. XXXX XXXX, the man I had spoken with, is never available. I even called once to make a huge payment and it was denied. Yesterday I got a letter telling me to pay {$1000.00} and I was being `turned over to collections. 

Nothing discussed with Wellsfargo was ever done by them. I 'm XXXX. Renters destroyed everything I had done to make that the least painful and me the most functional.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/ I submitted a single credit application directly to Nissan Motor Finance, the bank, with the mutual understanding that I was applying for credit directly through Nissan Motor Finance, and no one else.

Upon submitting the application, I noticed an inquiry alert on my profile confirming that they ran it only once.

After doing this, I called the Nissan dealership in XXXX XXXX, XXXX  to proceed with my direct application to Nissan Motor Finance *herein after referred to as " NMF '' ). 

While speaking with the rep, I explained how I already had an active application with NMF directly, and that I was ONLY interested in what I qualified for direct with NMF. I also explained that I DID NOT want any additional inquiries into my credit, as I had already submitted and app to NMF, and have a pre-qualification / Pre-approval from XXXX  XXXX. 

The representative assured me that he would not run my credit, so I gavce hom my name, email, phone number and date of birth.

About 15-20 minutes after that call, he caalled me back claiming he needed a bit more info to find me in the system. He asked for my social. I once again reminded him that I did not want him running my credit. He assured me he wasn't going to do that, he only needed the info to find my existing app / file. With the mutual understanding that he was not going to run my credit, I gave him the info he requested. 

Not even 10 minutes after disconnecting that call, I started receiving multiple alerts via email that my credit was being hit with HARD inquiries. 

Turns out, the representative lied to me. He never intended to help me fins my file, he used my information to run a credit check without my permission, which is FRAUD.

Luckily I was able to looked my credit profiles to prevent any further fraud.

I have made several attempts to contact a manager or someone in charge of the person responsible for committing this fraudulent credit check without my permission, but they don't seem to take me seriously, so Now I XXXX  file this complaint in hopes of a possible resolution.
Product: Checking or savings account

Hi I deposit a IRS check in my back account I went personally to the bank bringing my green card and passport I deposit the check XXXX XXXX a few days later the bank block my account I call to the back they told me they have to verify the check ok I see that like a normal process so I keep calling checking up on the check and bringing papers so they can verify my check but on XXXX XXXX they close my account and I new that because I went to a branch and they told me they cant help me because my account was close they never let me know or send me a letter since that time Im trying to get answers of where is my check and havent get answers we already on XXXX and I havent get my found back.please I need help dealing with city bank
Product: Debt collection

The company repeatedly calls using piggy backed numbers as to trick you in answering the phone. They also abuse you verbally - I have repeatedly requested to send me a statement or a mailing - I get nothing. They continue to call my relatives looking for me when they know XXXX well where to find me - as I have spoken to them in the past. A little understanding due to the world events would be nice but they have no niceties with them - they are disrespectful, harassing and must be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 

I also have a Ftc Report and a police report.
Product: Debt collection

I disputed this on XXXX in XXXX of XXXX asking for a debt valadation letter to prove I owe this debt with the orginal signed copy! Because I do not and is a hipaa violation my medical information was sold. The medicad number was not on file but it was corrected and paid after the fact! 

The dispute for the account with ACCELERATED RECIEVABLES that starts with XXXX has been removed from your credit report. 

Source : XXXX  Date Collections ACCELERATED RECIEVABLE has flagged your account as Collections. 

XXXX XXXX XXXX  ACCELERATED RECIEVABLE has flagged your account as Collections on XXXX XXXX XXXX 

Source : XXXX Company : ACCELERATED RECIEVABLE Address : XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

On XX/XX/XXXX my family and I checked in at XXXX XXXX XXXX in XXXX, XXXX ( last room available ). Found a/c not working! After the front desk tried to reset it 4 times they finally said that it must not be working. It was in the XXXX 's at this time and we were on the first floor with XXXX little window that would only crack open a little bit. It was a ruff night! I disputed 50 % of the total bill ( {$250.00} ) not was denied by Citi Bank ( XXXX XXXX ) card ending in XXXX and received no compensation from neither one. It's not fair that the XXXX gets paid in full for a room that not in 100 % working order!
Product: Money transfer, virtual currency, or money service

Send wave Remediation In re : Chime Inc d/b/a sendwave. XXXX no. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Sendwave was ordered by CFPB to refund me {$14.00}, which they never did. Sendwave claimed that my refund check will be voided after XXXX. Sendwave never sent me a check till today. To this end, iam appealing to CFPB to mandate sendwave to refund my money as ordered. Iam thanking you in advance for your assistance.