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

I got a loan with Greensky and I already made one complaint and I got the results back yesterday I was not satisfied This company green Sky. my information was taking by general contractor thats the merchandise. Green sky is required to prevent future illegal practice by verifying consumers and identifying and confirming the authorization prior to activate loans. I signed the contract with the general contractor where does it say? Green Sky is involved it does not say anything about that in the first place green Sky its supposed to be verifying me not the contractor does not have a license for being a loan officer I got ripped off I got the wrong information I did talk to Greensky after. This is not supposed to happen to seniors
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently without my knowledge and I would like this fraudulent information removed. Account was opened XX/XX/2022 and closed on XX/XX/XXXX, XXXX Credit limit approved for {$700.00} and {$550.00} was used of this approved limit.
Product: Checking or savings account

I am filing a complaint against Wells Fargo due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Wells Fargo failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX I spoke to Managers in branch to resolve these overdrawn issues due to a random person who bought items from me paying me through checks I even asked the XXXX if i should cash the other ones she said yes to see if they process and now my account is negative a lot of money and it is being closed the only bank account i actually have. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is a follow up to previous complaint XXXX. TransUnion has failed to fulfill its legal obligation un the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed
Product: Vehicle loan or lease

My payment is behind not even a full month and I asked Avid Acceptance to stop calling my job because personal calls are not allowed and XXXX XXXX continues to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reportin
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to make sure you have my correct business information for my business registered as XXXX XXXX XXXX XXXX in the state of California. I have called but have not been able to get someone to help me with this.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX AND TRANSUNION has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX AND TRANSUNION has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit card or prepaid card

Bank of America have missed transactions under my account as well as under investigate imy claims Bank of America has spent over the amount of days on a claim that should have had a decision on it already I am currently on the verge of eviction I am trying to negotiate with my landlord about the timing that Bank of America will fix my situation I feel this is very unfair I have had to investigate on my own to find out that transactions that I specifically requested to be disputes has not been disputed at all it has been two years of Bank of Americas mess I was also not informed that the claim for {$1300.00} was duplicated by a representative they also added someone elses card number to my claims at Bank of America I am currently still missing a nice amount for my account I have spotted a {$5000.00} transaction that should have been disputed just as well as a {$2000.00} transaction that should have been disputed already and resolved This is very unacceptable I am trying my best to work with Bank of America the back office is very incompetent it seems they are not taking my situation seriously at all my children are being affected by Bank of Americas incompetence as well this is not only unfair to me I am not the only one suffering behind the situation I have been waiting for these claims to be resolved I would like for my false negative balance to be fixed because it was never properly investigated for the {$1300.00} I am going to need them to do something because I have bills to pay in a household to take care of I can not continue to wait for Bank of America because they are not resolving the situation quickly enough
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report from Capitol One, I have never applied for a Capitol One card nor have I ever owned one. I reached out to Capitol One and they told me there was nothing they could do for me. The individual attempted to open a credit card and did open a debit card with Capitol One and XXXX  XXXX XXXX and used that debit card to make XXXX Purchases.
Product: Student loan

Between XXXX and XXXX, I took out a few Wells Fargo private student loans. Since I did not have enough credit to be the sole borrower, my parents were co-signers. The loans that we signed stated that my parents would be released as co-signers after 24 consecutive on-time payments. 
In XXXX, I took forbearance with my Wells Fargo loans due to an XXXX internship. Once the internship ended, I was told that my parents would not be released until 48 consecutive on-time payments were made beginning in XXXX. They alleged that there were missed payments, but there never were. I requested detailed information from them, but they never produced documentation. 
The development about the new co-signer release was never agreed upon, either verbally or in written form. I have made on-time payments without my parents help for the duration of my payments and ask that they be removed as co-signers as soon as possible.
Product: Debt collection

Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got medically sick and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.
Product: Debt collection

I have been trying to ask for a verification the the debt they claimed I owe for {$360.00}. National Credit System never even bother to respond to me even when I sent them a letter that they received on XX/XX/20 with tracking number XXXX! It has been a year and they never responded to my mails. I have been sending them a mail and according to my research online they need to respond and validate the debt. I am so tired of sending letters. Help me with this matter.
Product: Vehicle loan or lease

I received a covid-19. Assistance differed payment for XXXX XXXX and XXXX. Well it should not be reporting XXXX and XXXX late on credit bureau please report correctly I will monitor this account very closely and a attorney is doing all the research and paperwork on this account. But for now since I differed XXXX XXXX and XXXX. Should not be reporting late. Copies been sent to credit bureaus and XXXX XXXX XXXX please make XXXX, XXXX, XXXX current thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I really didn't understand the report you gave to a job for report so need to speak to someone that can explain what it means
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation from Experian. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

FIA Card Services Full acct # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX - DECEASED We have been working with FIA Card Services for over a MONTH to get an updated settlement letter with the lien release verbiage that is REQUIRED PER CALIFORNIA STATE LAW. The current letter they have sent does not address the LIEN that is tied to the property as a result of the judgement. We made it clear from the beginning that we needed this verbiage on the letter and we were assured it would be on the letter. -- -- -- -- -WE HAVE BEEN LIED TO FOR A MONTH!!! -- -- -- -- -- Our title company needs to know that once FIA receives payment the lien WILL be released promptly -- - We are not asking you to release the lien early, or before the close of escrow. 

**********This is the same bait and switch language that BAC subsidiaries and its partners used back in the early days of the short sale crisis to defraud consumers. 

**********Laws in California were passed so that if a settlement is reached the debt collector is required to also release the judgement, and therefore the lien, against the property. FIA seems to believe they can receive money for a settlement and then NOT release the judgement AND attempt to extort money out of the DEAD borrower sometime in the future. 

**********According to the reps I have spoken with over the last 2 days THERE DOES NOT EXIST ANYWHERE IN FIAS LEGAL DEPARTMENTS LIBRARY A LETTER WHICH HAS THIS RELEASE VERBIAGE AND THEREBY COMPLIES WITH CALIFORNIA STATE LAW. -- -- -- -- -- -- Time is of the essence, as not only is there an upcoming foreclosure date, but this property also has multiple other liens, including 2 mortgage liens and an IRS lien, all of which have already sent the appropriate approval letters with the REQUIRED VERBIAGE PER CALIFORNIA STATE LAW. XXXX FIA CARD SERVICES IS KNOWINGLY BREAKING CALIFORNIA STATE LAW BY REFUSING TO PRODUCE THE REQUIRED LIEN RELEASE VERBIAGE. -- -- -- -- -- This is UNACCEPTABLE. I  want the updated settlement letter for {$690.00} that was promised to us 3 weeks ago with the lien release verbiage that is required per California State Law. 

Attached is the previous settlement letter and the authorization letter showing I am an authorized third party for this estate.
Product: Checking or savings account

Direct deposit of {$490.00} was not available and was being held by capital one. They came out with an email saying they were having issues with direct deposits, transfers and ACH payments through a theirs party vendor and the issue should be fixed XX/XX/year> early morning and it has not been fixed. When you call them they say theyre working on it and to wait.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I just received my credit report, To my Surprice, you are reporting this account incorrectly. This collection account is not only reporting as UNPAID, but also shows a past due balance of {$150.00}. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on XXXX XXXX XXXX, disrupting my XXXX XXXX XXXX XXXX XXXX With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Checking or savings account

I have sent this Email to Wells Fargo Executive but they continue to violate our banking rights This discriminatory practice by your bank needs to stop. Your bank has no legal grounds to refuse depositing our funds after holding it for a month and not asking us if they need more information and to reject your own XXXX department when it approved our funds. 

I have filed a Federal Lawsuit against the State of California and won that case and it seems like you are itching to be sued in Federal court for violating our banking rights for the 3rd time and with over 45 years of being a customer of Wells Fargo, I have had enough of your discriminatory and disrespectful manner of treating us without holding anyone within your department accountable, I am done with the continued nonsense by your institution and useless communication by your bank that simply say, we are looking into this, no, you are not. Wells Fargo needs to be dealt with in Federal Court, you have overstepped your boundaries and my local bank agents. XXXX and XXXX, are not even providing us any reasons as everyone is hiding some illegal acts by Wells Fargo and not being transparent while we have been and in full compliance with XXXX. 

Do not contact me if you have no legal updates or reasons for your discriminatory actions against us based on my national origin. 

Sincerely, XXXX XXXX, XXXX, XXXX DOT Chief Information Officer, XXXX California Department of Transportation XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX
Product: Credit card or prepaid card

I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a XXXX balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 4th complaint Ive been dealing with this for the past year now
Product: Bank account or service

I went to the Chase Location XXXX XXXX XXXX, XXXXXXXX XXXX. XXXX off this Location needs new management, there is always only 1 teller open with more then 6 employees on location and when you look behind the glass there is 3-4 employees in the back not helping customers. open 1 more window service will go faster not 30-50 minute waits. Anyways on Thursday XXXX/XXXX/XXXX I went to this Location and waited almost 40 minutes just to purchase checks which I need to submit to a credit card. I advised this to the teller, I was never informed the checks will have that locations routing number and not my routing number ( my bank account was opened in XXXX XXXX routing number XXXX I was given a XXXX Routing number XXXX ). I was then rushed away due to the fact that since she was the only teller open they bank was already closed with 3 customers still behind me. I returned to the location Saturday XXXX/XXXX/XXXX as per informed by customer service if I went and told the location to have checks reprinted with the correct routing number they could do it for me. I was directed to the manager ( not helpful at all useless ). and was told " all we do is temporary checks which contain the locations routing number '' I explained the situation and asked for my {$2.00} back ( I will not pay for a service which is incorrect and done wrong ) and was told " I can not search transactions that far back you will have to call the XXXX number and they will give you the fee back '' ( transaction is only 2 days old how can you not search transactions that far back? ). I called the XXXX number and was denied the fee back. The point is not the {$2.00} the point is paying for a service which is done incorrectly and then being stolen from ( the way I see it ). If JP Morgan Chase wants to keep their {$2.00} they can but they have lost a customer of almost 8 years since XXXX. ( left and came back and had an account closed and reopened due to Fraud ). I have never been so unhappy with an institution ( I started having problems with chase in the past 6-12 months not sure what they changed but I am not the only unhappy customer ). This is my second complaint to Consumer Protections for JP Morgan Chase and will be my last as per they have lost my business. I suggest this institution be investigated and whatever possible to stop stealing from its customers.