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

This is the 2cd issue I've had with a large amount of my funds being stolen. The first time I filed a dispute and was declined. I filed a rebuttal and it was declined as well. I then filled a complaint and nothing happens. {$7400.00} are still missing from XXXX. Now this incident occured XX/XX/XXXX through XXXX of XXXX. I filed a dispute and it was declined. I proceeded to file a rebuttal and all the sudden the company closed my accounts stating I breeched agreements in which I did not. I filed identity theft 2 times with FTC. When I sent a copy of my report to chime is when they closed my account. I have asked in XXXX for documentation as to why they declined my rebuttal and I did not receive nothing. This time XXXX of XXXX I asked for documentation as to why they declined my rebuttal as well as documentation of what agreement I broke for them to all the sudden close my accounts after banking with them for 8 years. I had an active checking savings and credit card and they closed all 3 stating I did something. They have stolen over XXXX and won't give me documentation so I can pursue legal action. I asked them to freeze my account during these times my money was being used without my permission. They did not freeze my accounts. Now I'm facing hardship due to this large amount I'd my money taken each time. Still to this day I have received no reasonable explanation or was I provided documents I requested. Please help.
Product: Checking or savings account

I opened a Citizens Bank Platinum checking account under a promotion on XX/XX/XXXX. The account was approved on XX/XX/XXXX. The promotional term is " Get {$400.00} to open a Platinum Checking account with a single direct deposit of {$1000.00} or more within 60 days of account opening ''. I click on the " open account '' link as provided on Citizens Bank website and no promotional code was required per the instructions.

After 2 months of meeting the requirement, I still have not received the promotional offer and have paid {$100.00} in total monthly fee to keep the account active in order to get the promotion. I contacted customer service on XX/XX/XXXX and was told to send a secured email. After 6 email exchanges ( via the Bank 's secured email system ) and faxing of supporting documents and application screenshot, there was still not resolution while another {$25.00} account fee was charge on XX/XX/XXXX. I contacted customer service again on XX/XX/XXXX and after 25 minutes, I was told I need to enter a promotional code to be eligible for the offer. I mentioned to the customer service rep there was no promotional code at the time of account opening on XX/XX/XXXX per the attached screenshot but it was felt on deaf ears. This is simply an attempt by Citizens Bank to trick consumer into applying for an account with high monthly fees.
Product: Mortgage

This complaint is a follow up to my earlier CFPB complaints number XXXX filed XX/XX/2023 and complaint number XXXX filed XX/XX/2023. 
The complaint is about BOA predatory action towards my request for a loan modification coupled with a flagrant abuse of discretion by the modification department and total disregard to their responsibilities to assist homeowners and facilitate the modification process. Please refer to what I wrote in my prior complaints to get the full picture of my struggle with BOA. This complaint is specifically about BOA continued predatory, intimidating and demeaning behavior to customers, I implore CFPB to assign legal council to review my situation, it is 100 % predatory and abuse of discretion. 
The last correspondence from BOA was yesterday before midnight as the always plan by design to email these notices on Friday 's. 
The context of the letter simply allude that have none of the information I submitted for the 120 days and consist of 55 separate submission via XXXX that I paid for, each submission had multiple documents, statements etc ..., BOA XXXX XXXX ( Home loan team ) letter simply states that unfortunately they are no longer able to review my application for help with this home loan due to the followings ; Unable to verify income, employment and ownership of the property. Those reasons are totally erroneous, I have spoken with XXXX XXXX over 50 times and I sent her everything she asked for to her full satisfaction! What happened Now? I am attaching to this complaint most of the submissions for your legal council to review and intervene. What BOA is doing is illegal, intentionally predatory, abuse of discretion and disrespectful to their customer must read and examine my claim, it gives a very clear picture of the wrongdoings by BOA.
Product: Debt collection

This company did a hard credit check on my XX/XX/XXXX credit report on XXXX. I've heard of their agency before but I did not give them permission to check my reports. I've had other agencies to this in the past and have caught them and they finally stopped ; however I've dealt with this company before and they were trying to collect on a 15 year old debt from me in the past with harassment. 

Since they are not a lender and debt collector, they checked my credit report illegally, assuming to get current contact information or other information they could use. THIS IS ILLEGAL as they had no permission to do so. 

I have also ordered my XX/XX/XXXX and XX/XX/XXXXreports and will create another CFPB complaint if I find them on there as well ( for each one ) ... 

STOP IT or you will pay damages.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my XXXX and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account 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
Product: Debt collection

Southwest Credit located at XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been sending me collection notices of {$410.00} due. This collection is reported as past due. I do not know this company nor have I ever done any business with them. They do not have a contract with my signature. I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE
Product: Debt collection

I have never heard of this flexshopper. I have never ordered from them. My mother did when she was in XXXX  XXXX XXXX. But not me havent been in XXXX  XXXX yrs. So I want this removed from my credit report bc I keep telling them I have never go the product. I have never ordered from them before. I have already put in last year identity theft bc I seen  several of charges from XXXX that wasnt mines and this is the only one who wont come off and I refused to have something under my name and never received anything and especially if Im not in the state
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, Zelle blocked me from using my primary phone number and email without providing any justification or proper documentation explaining the decision. Since I rely on Zelle to receive payments from my customers, this disruption prevented me from earning an income for several weeks while I worked to resolve the issue.
Product: Debt collection

TO : XXXX XXXX : CFPB & FCRA & SCRA RE : Not my address reported by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX XXXX XX/XX/year> Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Re : Formal Dispute of Rental Eviction Record Account # : XXXX Dear Credit Bureau Representative : I am writing to formally dispute an eviction record that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information in my credit file. 
The entry in question relates to an alleged eviction at [ Previous Property Address ] by The Links Apartment by XXXX XXXX. I am disputing this record for the following reasons : XXXX. The case was settled, and terms were fulfilled 2. The information is outdated and should be removed XXXX. Provided moving out letter 30 days prior to moving as stated in terms and conditions. 
I request that you investigate this matter and remove this entry from my credit report in accordance with the FCRA. Please find enclosed the following supporting documentation : Terms and Conditions for Removal : 1. Upon verification of the provided documentation, the eviction record should be completely removed from my credit report 2. All associated negative marks related to this eviction should be deleted 3. The removal should be reflected across all three major credit bureaus 4. Written confirmation of the removal should be provided within 30 days As required by law, please investigate this dispute and respond within 30 days. If you find that this information is indeed inaccurate, please remove it from my credit report and send me an updated copy of my credit report showing the removal.

Should you find that this entry is to remain, please provide me with : 1. Copies of any documentation used to verify the accuracy of the record 2. The name, address, and telephone number of the information source 3. A detailed explanation of your findings I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Attorney XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. XXXX XXXX/XXXX. Since I used this service through my Chase Bank app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on XXXX before realizing it was probably a scam. I called Chase Bank, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to XXXX after confirming that the certified check was bad and would eventually bounce. XXXX lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked XXXX for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out. When I contacted Chase again, they said that wasn't the deal, and they would have no part in investigating this. I called XXXX back, who directed me to Chase. I finally spoke with someone at Chase that told me none of this was their problem since I initiated sending the money - even though I was tricked into doing so. I received zero sympathy and they said this wasn't considered a scam or fraud ... despite the fact that I'm now out {$1700.00}, feel like a total idiot, and no longer feel like I can trust my bank. Completely dismissive and I clearly have zero recourse, despite the fact that I used my banking institution that I thought I could trust and would help cover some amount of losses or liability. Apparently fraud is only fraud when I don't initiate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act 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, 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

This debt was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable.
Product: Debt collection

This particular debt was added to my credit report  XXXX   XXXX . I was unaware of this debt until I started working to rebuild my credit in  XXXX  when I noticed it for the first time only credit report. I have contacte d National Credit Systems multipl e times to verify this account and have never received a written notice that this debt belongs to me. They have nothing with my signature proving that I went into contract with them, and what they continue to do is remove the account from my credit reports, and then add it back. They continue to open and close this account and place it in various areas of my credit profile. They are harassing me and negatively affecting m y credit score  by removing and replacing this same item on my credit profile.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card that was issued by Comenity Bank. The card can be used at XXXX 's as well. I have used this card for over 15 years and never had problems until earlier this year. 

The problem I'm having is that my account is not being credited for returned merchandise. 
Listed below is a breakdown of the purchases and returns in question : Order Placed Return Date Amount XX/XX/XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX XX/XX/XXXX {$17.00} XX/XX/XXXX XX/XX/XXXX {$23.00} XX/XX/XXXX XX/XX/XXXX {$9.00} XX/XX/XXXX XX/XX/XXXX {$24.00} XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XX/XX/XXXX {$24.00} XX/XX/XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX XX/XX/XXXX {$32.00} XX/XX/XXXX XX/XX/XXXX {$26.00} XX/XX/XXXX XX/XX/XXXX {$26.00} *Order was cancelled because item was not in stock. Account was never credited. 

I have several attempts to reach XXXX 's customer service and Comenity Bank. They keep pointing fingers at one another. Comenity Bank claims they didn't get the credits for the returns in a timely manner, resulting in accrued interest and late fees that were assessed against my account. There should not have been interest charged because I was utilizing their deferred interest plan. I paid all of the bills long before the 3 months no interest period expired. 

I received a letter from Comenity Bank dated XX/XX/XXXX that stated XXXX 's had not received my returned merchandise. However, I have attached a copy of order pages from XXXX 's website showing all the payments I have made and the 11 items that were returned. The taxes I paid were never refunded. Also, I have not made any purchases since my last order on XX/XX/XXXX. On XX/XX/XXXX, I reached out to a XXXX 's representative named XXXX via e-mail and sent the following : Dear XXXX : I have a problem with my account that I hope you can help me with. I have returned some items I bought from XXXX 's, but I have not received return credits on the charge account statement that comes from Comenity Bank. Your company shows my balance is {$330.00}, but when I rechecked my statements and orders, figuring in all of the refunds, the balance is {$230.00}. There appears to be miscommunication between XXXX 's and Comenity Bank. I have taken the liberty of including the order information in question below - please scroll down. If I can be of further assistance, please do not hesitate to contact me. She did not respond. 

I received letters from Comenity Bank between XX/XX/XXXX and XX/XX/XXXX respectively citing they were still investigating the situation. Then, on XX/XX/XXXX, I received a check for {$400.00} from Comenity Bank. I was happy that the nightmare was over! 

Or so I thought. I cashed the check on XX/XX/XXXX, then my bank informed me that on XX/XX/XXXX, the check was returned unpaid! I live on a fixed income and this resulted in overdraft fees assessed by my bank. My husband had to give me money to help cover the deficit in my account. At this point, I am reaching out to you in the hopes that you can assist me in resolving this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, Mo XXXX To : XXXX  XXXX XXXX XXXX XXXX, This complaint is against GM Financial on ground of price gouging by changing a payoff on a vehicle. Allow me to explain. 

In XX/XX/XXXX my fianc past away with a XXXX XXXX XXXX, being financed by GM Financial. According to the bill for that month, the owed balance was about {$9000.00}. Later I advised the lender of the development by sending information and express my intent to continue to payoff the balance. I even sent them a copy of the title indicating me as a beneficiary on a TOD ; Transfer on Death. 

During a phone conversation, they insist that I produce a letter of executive, or they will NOT give me a statement on the account. It was explained that because my fianc didnt owed any property or a business, an executive letter was unneeded and will NOT be produced. The lender still refuse to give me a statement. 


Point of the Complaint In XXXX, I received a letter from the lender stating that a balance of > {$8000.00} ( {$7000.00} principal ) was owed. Please be advised that payments of {$430.00} ( average ) a month was made from XXXX to XXXX of XXXX. To have this amount left on the balance is clearly unreasonable. It appears that the reason for this lender to NOT provide me a statement is to wrongfully charge me an excessive amount to payoff my fiancs vehicle. 

Additional information will be submitted at a later time. 

With this complaint, I respectfully ask for your assistance. 


XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SELF LENDER is a predatory scam. They represented themselves as a credit rebuilding program where you can deposit monthly into a account & once your funding goal was met, they issue you a secured card for that amount. No where did they say that I could not opt out if the deposit amount was unmanageable, nor did they state that it would report negatively on my credit report. I emailed to close the account, and received no response & now I have them on my credit report as a derogatory mark for a closed " secured loan '' that was closed with financing that I had deposited myself. In short, they represented themselves to rebuild credit, then became unreachable, took my first months payment then marked me late for two months with no response & kept my money when they close the account.