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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Equifax, I hope this letter finds you in good health. My name is XXXX XXXX, and I recently obtained a copy of my Equifax credit report. Upon reviewing it, I discovered multiple unauthorized hard credit inquiries, which I did not consent to and I have reason to believe were not legally permissible. 

Here are the unauthorized inquiries in question : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Department of Education Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Department of Education Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and unauthorized entries on my credit report. I must insist on the immediate removal of these inquiries as they not only distort my creditworthiness but also potentially infringe on my rights as a consumer. 

Should you need any further verification or documentation to prove these inquiries were not authorized by me, please do not hesitate to reach out. I am fully prepared to take further legal steps to ensure my rights under the FCRA are upheld. As you're aware, Section 611 of the FCRA grants me the right to request a reinvestigation free of charge, and under Section 623 ( a ) ( 1 ) ( A ) & Section 623 ( a ) ( 1 ) ( B ), creditors are expected to provide accurate information. 

I request a detailed response in writing affirming that these inquiries have been removed, and I would appreciate it if you could expedite this matter as it is having a profound effect on my financial opportunities. 

Should you disregard this request or fail to comply, be informed that I will be compelled to take further legal action to protect my rights, which could include filing a complaint with the Federal Trade Commission or possibly seeking damages under Section 616 & 617 of the FCRA, for failing to comply with my request in good faith. 

Thank you for your prompt attention to this matter. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A business bank account and credit card were opened under an LLC at JP Morgan Chase Bank in XX/XX/XXXX. At the time of opening, I had been given paperwork with lots of fine print. I specifically asked the banker if I was signing a personal guarantee on the credit card. Her response was " No it's not a personal guarantee. This is just standard procedure '' The card was handled as such, as a business card, and the business unfortunately had lost some money the following year. Because some payments were missed, I got a call from a collection agency in XX/XX/XXXX in which the creditor told me I had indeed signed a personal guarantee on the card. I was shocked because I was given the wrong information by the Chase banker who opened this account! The account balance was $ XXXX and was paid off for less than the balance and was closed during that phone call in XX/XX/XXXX. Unfortunately, this is on my personal credit report with all 3 bureaus and I am desperately trying to get it taken off. I called Chase and they said if it's their mistake they will take it off, but they need a letter from the opening branch. I went to the opening branch and they said they can't write a letter because Chase protocol does not allow letters. Instead Chase Bank submitted an internal complaint, where it seems to have stalled. I am submitting this complaint with the Consumer Financial Protection Bureau because 1 ) I was given the completely wrong information by Chase bank 2 ) Seems Chase bankers all have different conflicting information on how to handle this issue 3 ) because this account should be 100 % taken off my personal credit report! Please help!!
Product: Credit card

1. I ORDERED 3 GREENLIGHT CARDS IN XXXX XXXXXX/XX/XXXX In XX/XX/XXXX I was looking for a way to pay my XXXX kids money for chores in a form they could use to make purchases with money they earned. I found Greenlight and opted for a " custom card. '' I paid {$9.00} per card ( ATTACHED are the XXXX emails confirming these payments ). Based on Greenlight 's promotional material, and emails I received from Greenlight, I thought this {$9.00} was the only fee I would be charged. The first email I received from Greenlight was on XX/XX/XXXX [ ATTACHED ]. Nowhere in this email is there mention of a monthly fee. Weary of having my kids use a credit card type product, I changed my mind and never used the cards. Yet Greenlight has been charging me at least $ XXXX ever since. 

2. XXXXREENLIGHT KNEW I DID NOT CONSENT TO MONTHLY CHARGES BUT CHARGED THEM ANYWAY Greenlight failed to conspicuously disclose its monthly fee and knew or should have known that I did not use its product and did not consent to being charged $ XXXX. I never " activated '' the cards Greenlight sent me. A fact of which Greenlight is well aware given its many emails to me titled, Lets activate your card today! sent on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. [ Emails ATTACHED ]. I never set up an account or profile online, and never downloaded the mobile application. Another fact of which Greenlight was well aware as seen in its XX/XX/XXXX, email to me titled, Your Parent Wallet could use some love and its XX/XX/XXXX, email to me titled, Action Required Set up your Invest profile. [ emails ATTACHED ]. Tellingly, since XX/XX/XXXX, Ive received XXXX emails from Greenlight and not one mentions charging me $ XXXX. 

3. GREENLIGHT FAILED TO CANCEL AFTER EXPLICIT REQUEST TO DO SO IN XXXX & XXXX XXXX It was not until XXXX that I saw these monthly charges on my credit card statement. I emailed Greenlight on XX/XX/XXXX, and asked them to stop charging me and to refund my account for the reasons stated above. Greenlight customer service XXXX " XXXX '' responded on XX/XX/XXXX, and said I needed to use the app to cancel. But, as I told XXXX in a reply email on XX/XX/XXXX, I did not have the app because I never used the cards therefore I could not use the app to cancel. Despite my request ( and the known fact that I never activated the cards or sent up a profile ), Greenlight continued to charge my credit card $ XXXX. I emailed Greenlight again on XX/XX/XXXX. [ all emails ATTACHED ]. I also tried calling the number on their website and no one answered. Despite all of my efforts, it appears that Greenlight is STILL charging me $ XXXX for these cards that I've never used. 

4. CURRENT REQUEST FOR CANCELLATION AND REFUND I am requesting ( again ) that Greenlight cancel the cards and/or accounts in my name/my kids ' names and refund all monthly charges to my credit card. They can keep the amounts I paid for the custom cards ( {$9.00} x 3 ) as I did consent to those purchases. I hope that Greenlight has become more forthcoming in the years since I ordered its cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XX/XX/ complaint # XXXX and below is the response from Transunion. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. Transunion is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. NEGATIVE UNITS TO COME OFF : XXXX ( EACH BUREAU ) : TOTAL UNITS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am requesting that Capital One ( Account Number : XXXX ) work with me to resolve my outstanding balance of {$1500.00}. Due to financial hardship, I am unable to pay the past due amount or the total balance in a lump sum. However, I am committed to resolving this debt through a **low monthly installment plan**. 

A fair resolution would involve establishing a manageable payment plan to help pay off the balance over time. Additionally, I request that Capital One consider halting additional fees and interest accrual during the repayment period to make the payments more feasible. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

I received a letter from a debt collector whom i do n't have a contract with or never had any dealings with, I tried to call and clear up the matter on XX/XX/XXXX and was hung up on several times. On XX/XX/XXXX this was place on my credit report. This is not my debt and this should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/XXXX {XXXX}
Product: Checking or savings account

On XX/XX/2020, I opened an account online with Citibank using the special promotion link on their website. The promotion stated that if I opened a new checking account with at least {$15000.00} and kept that minimum balance for 60 days, the account will be credited with a {$400.00} bonus within 90 days after the initial 60 day period. There was an additional {$100.00} bonus if I made a direct deposit into that account. 

After opening the account online, I promptly transferred the {$15000.00} to Citibank. I have never made any withdrawals from that account since then and did not make any direct deposit. However, it has been almost XXXX months, Citibank has not kept their end of the bargain and deposited the {$400.00} bonus into my account. 

After initially confirming through an online chat with a Citibank representative named XXXX on XXXX XXXX XX/XX/XXXX that my account would get the bonus by XX/XX/XXXX, Citibank is now reneging and claiming that my account was never opened using any promotional offer. They are asking me to provide proof which is sort of impossible since the account was opened online using their special link for the promotional offer which still exists today. 

I have spent the last month going back and forth with Citibank and they continue to give me the run around promising to research the issue and get back to me but the results are the same. 

Can you please help? Can you please help? If you need further documentation, please let me know. 

Thank you
Product: Debt collection

Complaint Regarding Difficulty Obtaining Settlement Information from Bank Of America credit card department. 

I am writing to express my profound dissatisfaction with the service I have received from Bank of America in relation to my recent settlement through a third-party debt manager concerning my Bank of America credit card account. 

As a holder of both XXXX XXXX and XXXX licenses, I am obligated to report specific financial information to FINRA. One critical requirement is to provide detailed information about my outstanding debts and settlements within 30 days. To fulfill this obligation, I reached out to Bank of America multiple times, seeking assistance in obtaining a letter that would include vital details such as my initial amount owed, the settlement amount, and confirmation that the settlement was paid in full. 

However, my experience in attempting to acquire this seemingly straightforward documentation has been nothing short of a frustrating ordeal. Instead of prompt and accurate assistance, I encountered a series of errors and a lack of competence on the part of Bank of America representatives. 

Firstly, I received incorrect fax letters that contained inaccurate information. To make matters worse, one of these fax letters was sent to the wrong recipient, exacerbating the situation and potentially compromising my financial privacy. 

When I inquired about the limitations of Bank of America 's pre-populated letter templates, the representatives were unable to provide a satisfactory explanation. It was only after speaking with Supervisor XXXX XXXX that I learned that Bank of America 's standard settlement letters can not be modified to include custom information, such as the specific amounts involved. 

Supervisor XXXX XXXX also informed me that the settlement amounts could be found in my last bank statement, which I had never received. Despite the urgency of my request and the critical need to submit this documentation within a 30-day window, XXXX XXXX could only offer to mail the statements to me, a process that would take an additional 10 days. Unfortunately, she was unwilling to expedite the mailing or fax the necessary information, further delaying my ability to fulfill my regulatory obligations. 

I find it deeply concerning that such a simple and crucial request has been met with such inefficiency and a lack of urgency. This situation not only reflects poorly on Bank of America 's customer service but also puts me in a precarious position regarding my professional responsibilities. 

I kindly request that you investigate this matter promptly and take the necessary steps to rectify the situation. Specifically, I require the accurate and complete documentation regarding my credit card settlement to be provided to me without further delay, preferably through expedited means. 

I trust that Bank of America will treat this matter with the seriousness it deserves and take immediate action to resolve it. I look forward to a swift resolution that will allow me to meet my obligations to FINRA without any further impediments.
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. 

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 XXXXXX/XX/XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX off on 3 different accounts at the same time. During the call they agreed if paid it would not appear on my report. 2 years later its still here!
Product: Credit reporting or other personal consumer reports

I am writing to address an issue regarding my home equity line of credit with NewRez/Shellpoint . This account has been fully paid off, and I have always maintained timely payments throughout the loan period. However, on my credit report ( XXXX and XXXX ), this account is currently reflected with a negative remark indicating that the loan was settled for less than the full balance. This inaccurate remark has significantly impacted my credit score, which is concerning given my consistent payment history and the fact that the loan was paid in full.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX {$340.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$75.00} XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

The account listed below was opened fraudulently without my consent and is against consumer law to report fraudulent accounts. 


Experian Fraudulent Account XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello on XX/XX/ of this year Experian was sent a letter to dispute my report for inaccurate information and have yet to get any response from this company.
Product: Mortgage

During Covid 19, Wells Fargo offered a program to defer payments. We took advantage of the deferral with the agreement that all missed payments would be added as additional months on the end of the contract. Mortgage maturity was XX/XX/XXXX. Numerous conversations verified this arrangement. As we approached the end of XXXX, Wells Fargo demanded a balloon payment of ~ {$13000.00} to satisfy the deferred payments. This resulted in a major financial hardship as it was not in the form of monthly payments ( 5 deferred payments of {$2700.00} ) as described. Numerous phone calls and escalations ensued with no resolution. We were told we would go into default and potential foreclosure. Mortgage has since been paid in full using our savings and XXXX XXXX card. Mortgage was always current and never in arrears. In the end, a certified letter was sent to us expressing the details of payment due and to make the impression of what was Wells Fargo 's position. We did demand record of all communications both written and recorded, but Wells Fargo refused. Recorded phone conversations from Covid to present will verify/substantiate our complaint.