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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit

h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of
my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.
Product: Mortgage

I filed for Bankruptcy in XX/XX/2020 and noticed that I was unable to access my loan information online specifically to make payments. I called and was told by the lender that I had to call and make my payments because of my bankruptcy status. Dovenmuehle has denied access to my mortgage information on their website. ( see attachment ) - I can not see any of my loan information, i.e. taxes, amortization schedule, fees etc. 

My bankruptcy was completed and discharged as of XX/XX/2020. I thought I would be able to have my online access returned after my discharge, however I was told I wouldn't be able to have this any longer for the term of my loan. When I called in XX/XX/2020 to inquire as to why I can not access my information online, I was told that I did not submit a re-afirmation agreement form during my bankruptcy. However, I was told by my lawyer that upon notification of my bankruptcy, the lender should have provided the this form. 

When called today, XX/XX/2020 - I was directed to the collection department. I was then told that I could submit a request in writing to the Research Department to see if there was any way to resolve this issue. I have sent an email and waiting for a response which they said would take up to 60 days.
Product: Credit card or prepaid card

Hello, We contacted Citicard after being loyal card holders for years -- we told them that after printing up our most recent statements, we realized we were being charged monthly for their Payment Safeguard program. The fees range from $ XXXX {$150.00} a month depending on the balance. We never signed up for this program and submitted a request for refund and cancellation. They only refunded us one month ( {$71.00} ) and that was it. We have read an article stating that many people have complained about this program and gotten their money back for many months of years of being charged without knowing or understanding the reason. We never signed up for this service. We'd like all our money back.
Product: Money transfer, virtual currency, or money service

I received an email this morning from a company called XXXX and it charged my PayPal account over {$600.00}. 
I don't want to open the email again because I'm afraid that it's going to do something to hack my accounts or inflict a Virus. I called the number that I thought was PayPal and a gentleman that I could not understand immediately answered and I can understand what he was saying. And he said " XXXX '', so I said, You're not PayPal '' and he hung up on me. There's an invoice number which is XXXX, -, XXXX. And a receipt number XXXX - XXXX. The charge was for over {$600.00}. From a company called XXXX. This is not anything that I have approved or ecer purchase from. This is fraud.
Product: Credit card or prepaid card

First transaction for a balance transfer loan for 21 months with zero percent interest was taken out in XXXX with payoff due XX/XX/XXXX. I always paid much more than the minimum payment due. 
I was considering taking out another balance transfer loan and asked a representative how my excess payments would be applied. I was told that once the interest was paid, the principal would be split evenly on both loans. So on XX/XX/XXXX I did another balance transfer loan at 1.99 % until XX/XX/XXXX. 
On XX/XX/XXXX I called to find out the balance on the original zero percent transfer to be sure it was paid off timely. I spoke first with XXXX who told me that I could not pay off the zero percent loan until the 1.99 % was paid off. She transferred me to XXXX XXXX, a supervisor from the Missouri office. He told me to pay the zero percent balance of {$700.00} on the XX/XX/XXXX. ( Note that my payment was due on the XXXX and I was not comfortable with him telling me to be late - so I spoke called another rep on XX/XX/XXXX. ) This time I spoke with supervisor, XXXX ID # XXXX and he told me that the loan payoff for the zero percent transfer was {$670.00}. I paid {$670.00} per his instructions on XX/XX/XXXX. 
Again I decided to speak with someone to be sure that paying the {$670.00} was correct. 
On XX/XX/XXXX I spoke with XXXX, a supervisor, who told me that the only way to pay off the zero percent transfer was to pay off the entire balance - both loans. 
I was so angry for being given misinformation so many times, that I did just that! I paid off the entire balance. 
As a consumer who is concerned for paying my bills on time and for the correct amount, I found the number of " supervisors '' who gave me misinformation disgraceful. How could I depend on their explanations and advise when half of the representatives that I spoke with were wrong? 
I have since come to understand that according to their rules, the " interest '' loan would be paid before the " zero interest '' loan. That part is ok. 
My concern is all the misinformation I was given. If I followed the initial advise of XXXX XXXX and paid my bill on theXX/XX/XXXX, I would then have been in default of the zero percent contract and been obligated to pay 21 months worth of interest on the original loan! 
There needs to be better oversight and training for the representatives who speak with consumers. WE DEPEND ON THEM!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I'm unfamiliar with these accounts. 
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: Credit reporting or other personal consumer reports

I pulled my credit reports for the first time in XXXX of XXXX. There was inaccurate information on my report from transunion which I have disputed and everything has been fixed except for XXXX account. The account in question is a XXXX account in collections for {$690.00} dollars that was opened on XX/XX/XXXX and closed XX/XX/XXXX, which is not, and never was mine. I have disputed this with transunion at least XXXX times now since XXXX and it keeps coming back as verified. The last closed dispute was opened on XX/XX/XXXX and closed today XX/XX/XXXX. I have contacted XXXX multiple times and each time they have told me they can not find any accounts under my name or social. The last person I spoke to there must have been able to find the account in question because they told me the last XXXX of my social does not match the social on the account. However they said they could not provide me any information to that effect. So what keeps happening is that XXXX says they can not find any information about an account in my name period, yet when transunion disputes that information they keep verifying it. I had them dispute the information again today and they told me to contact you all and file a report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I hope that the CFPB looks at your reporting on my account and contact you about the { fraudulent reporting } <reporting >. twice and validateing with company that does not own account, You also state you investigated but your report states you didn't do anything to investigate this is fraud. remove this alleged account at once both of them enclosed is my evidence of your fraud reporting. TEN days to respond your stated you investigated
Product: Debt collection

During a credit pull by our bank for a mortgage loan, we noticed a negative hit from First Financial Asset MG ( FFAM ), after further research, we were sent a bill for {$290.00} for XXXX XXXX XXXX. I called and explained that the bill looks to be for the full billed charges and does not show the correct payment and balance owed after medical insurance had been applied. I provided information on payments and insurance adjustments from 2018 and was told that they would research and call me back. I did not receive contact back. 

I then disputed the charges through the 3 credit credit bureaus. One was over turned and removed and the other two upheld stating they received verification of the debt from FFAM. 

I am now seeking help from a CFPB to review and help settle this incorrect debt.
Product: Credit card or prepaid card

I was approved for a Discover Card at the end of XX/XX/2018 with the promo of 14 months at 0 % interest. I just so happened to check my most recent statements and noticed I was charged interest. I was charged {$17.00} in XX/XX/XXXX's statement and {$21.00} in XX/XX/XXXX 's statement. Perplexed, I contacted Discover 's customer service, thinking this was an error. The customer service agent looked into the matter and informed me they did not see the promo on my account. At which point he transferred me to a supervisor. The supervisor, too, looked into the matter and informed me that I was not eligible for the 14 month promo as this was based on credit worthiness. At this point I was shocked, I have never before been approved for a credit card that offered an introductory 0 % interested and then been told, yes I got the card but not the 0 % interested because my credit was not good enough. I found this to be very underhanded and deceitful. At this point I looked at Discovers site and they were still offering the same promotion. I read the fine print and there was nowhere in the online disclosures that stated the 14 month 0 % promo was based on credit worthiness. Obviously, when applying for the card these are the only disclosure you are privy to at that time. It does state in the only disclosures that after the 14 months is over and APR kicks in, that is based on credit worthiness, which is expected. 

After reading the information on the site, I called back and asked to speak to the manager above the supervisors. I was contacted a little less than 24hrs later. At which point she offered to refund the most recent interest charge of {$21.00} and 12 months interest free. I accepted the refund of {$21.00}. However, I would like to have my 14 months interest free. That is what the offer stated, and that I what I am due. I would also like to have the {$17.00} interest refunded as well. My balance is currently at XXXX, I have not had any missed payments, nor have I exceeded my balance. I have been a model card holder since receiving my card. I carried a balance XX/XX/XXXX and XX/XX/XXXX, but have since brought the balance back to XXXX. 

The fact that I was told information that based on their website disclosures was incorrect, is completely unacceptable and deceitful. I am really taken aback and quite frankly feel that XX/XX/XXXX is not a good company to bank or do business with and I wont be recommending to any friends or family.
Product: Credit reporting or other personal consumer reports

the reporting company is listed below and i sent the same letter certified mail with no reponse. the details of the letter are also below. 

XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Dispute of Inaccurate Information on Credit Report Dear Prosper I am writing to formally dispute the inaccuracies regarding the loan account with a balance of {$16000.00}, which is reported on my credit file. I believe this account does not belong to me, and I am requesting that you investigate and correct this information. 

The following inaccuracies are present in your reporting : 1. **Incorrect Name** : The account reflects a name that does not match my legal name. [ Specify the incorrect name listed and provide your correct legal name ].

2. **Account Ownership** : I do not recognize this account, and it does not belong to me. It appears that this account may be the result of identity theft or a clerical error.

3. **Account Status** : The reporting indicates that I have made 0 % of payments on time and shows a charge-off status from XX/XX/year>. This information is inaccurate and misleading, as it does not pertain to my financial obligations. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 and 609, I have the right to dispute inaccurate information on my credit report and to request that it be verified. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of debts that are not valid or do not belong to the consumer.

I request that you conduct a thorough investigation into this matter and provide me with documentation proving that this account belongs to me. If you are unable to verify that this account is mine, I kindly ask that it be removed from my credit report immediately. 

Please send me a written response confirming the actions taken regarding this dispute within the 30-day period outlined by the FCRA. I also request a copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this.
Product: Debt collection

Total Current Balance : {$64000.00} Loan Due Date Amount Status Auto Pa y 1-01 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due 1-03 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-04 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-05 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-06 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-07 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-08 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-09 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-10 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-11 Direct Loan - Subsidized  XX/XX/XXXX 2017 {$0.00} No Payment Due 1-12 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-13 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-14 Dir ect Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due Total Current Balance : {$64000.00}  XXXX  College started at :  XXXX , they add a additional  XXXX  prior to starting payments
Product: Checking or savings account

On XX/XX/2022 @ approx XXXX I entered Bank of America XXXX XXXX XXXX XXXX A customer was had been 30min with teller. I never complained I waited patiently. When the customer finished her transaction she moved aside and carried on a causal conversation. I then asked please move aside you are done have some consideration for others you took 30min please move on. The customer started to be beligerent and loud and abusive verbal assault. " I '' asked the teller to please get your customer from verbally assaulting me she said that can't stop customers it's not her affair I then asked should I call the police. Then the next day I tried to use my account and it was closed. I called to find out why was told I was being beligerent to customer I was the victim the tape will show but because the manager and the customer was white Hispanics I was not the victim XXXX female. MY ACCOUNT WAS CLOSED THEN THE MANAGER TRIED TO DELETE THE REASON AND THEN LIED THAT I REQUESTED THE CLOSURE. MY ENTIRE Financial SECURITY WAS IN RUIN. I WAS ON VACATION WITH MY FAMILY AND WAS STRANDED. PLEASE HELP ME RESTORE MY ACCOUNT MONIES LOST FEES CHARGED CHECKS NO LONGER HONORED... OBLIGATIONS IRS Agreement PLAN NOW JEOPARDIZE LIEN TOWARDS MY HOME THE LIST GOES. PLEASE GET JUSTICE ON MY FAMILY BEHALF XXXX XXXX UNDUE STRESS CORSOL LEVELS ETC. THIS MANAGER NEEDS TO KNOW All lives matters. Every one must be treated within the law. She unlawfully closed my account tried to cover it up... then lied that I requested it.
Product: Mortgage

On XX/XX/XXXX, LoanCare sent us a letter stating that they were going to be our new mortgage servicer. Our former mortgage loan subservicer was XXXX XXXX XXXX XXXX and they were transferring our mortgage to LoanCare. 

Our complaint is that LoanCare has failed to add our mortgage payment history to the three major credit bureaus ( XXXX, XXXX  and XXXX  ). This has resulted in a lower credit scores and higher interest rates for our two recently obtained auto loans and four recently obtained credit cards, as well as a refusal by another mortgage servicer to refinance our mortgage until this information was accurately reflected on our credit reports. 

We have repeatedly called and gotten in touch via the help center on the LoanCare website to have them add this information. As of today, XX/XX/XXXX they have still failed to do so which is evident by the fact that we just pulled all three credit bureaus reports for both my husband and myself and this data still is not being reflective therein. 

Most recent requests were : XX/XX/XXXX Email from a LoanCare confirming their receipt of our request that they add mortgage payment history data to all three major credit reporting bureaus. 
XX/XX/XXXX. Email confirmation of inquiry regarding mortgage account XX/XX/XXXX. Email stating they received inquiry and are assigning it to appropriate department with ticket number XXXX XXXX We emailed a picture of XXXX credit report showing no mortgage data on summary page requesting that LoanCare review the amount of time weve had the mortgage with them and report accordingly to all 3 credit  bureaus. 

There are other disputes with this lender as well but it would be too lengthy to address all of their failings here.
Product: Credit card or prepaid card

I had a fraudulent charge made on my Barclay 's card in XXXX of 2021 in the amount of {$8.00}. As I rarely use this card, I didn't notice until XXXX of 2021 in which I contacted Barclays to notify them of this issue. They closed the account and issued me a new card, and said they would open an investigation in to this. This investigation lasted 3 weeks ending in late XXXX, but I am still showing a balance on my account because of this fraudulent transaction and I have accrued several late payment fees because of it which has negatively impacted my credit score causing it to decrease significantly. I have contacted Barclays several times about this, most recently today, and have been told each time that they will open an investigation to resolve this but it has been several months since this fraudulent charge was made on my card with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.
Product: Money transfer, virtual currency, or money service

Someone had gotten into my e-mail and got into my checking account and was able to transfer the funds to a person And then that person name is XXXX XXXX was able to pick it up at XXXX XXXX XXXX XXXX was the company that handled the withdrawal. I didn't authorize such withdrawal and I don't know such person That the transfer was name to pick up. I'm a XXXX and also XXXX and am doing all the paperwork. This has caused major hardship. Just need to make sure I dot my eyes and cross my T 's. 

On the XXXX of XXXX @ XXXX a.m I received a text from Bluebird by American express asking if I authorized this {$800.00} transfer I replied No. Do I know this person I said no!!! Then it gave me XXXX number which was the bank. I called and told them I didn't authorize such transfer. The gentleman said he was going to put a freeze on my account and then when I wanted to make a withdrawal just remove the freeze and then put it back on. I didn't have Time to do it the money was gone. That's when this whole process started ..Bluebird by American express XXXX There was A language barrier with bluebird by American express because they are located in XXXX and it was very challenging and very difficult to understand what they said very unprofessional And rude. I was transferred XXXX times. The next day I called to do a follow up, they had no idea what I was talking about. That point I started to get very nervous. After an hour or so someone did locate some information on my issue. They said someone would call me in XXXX days. I know its a holiday weekend. I'm just reaching out for Assistance with this. I do have all my paper work names, addresses, police reports. will send them out XXXX. Thank you. XXXX XXXX. XXXX