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

VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXXXXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to Barclays in regards to the above refenced account.

FACTUAL BACKGROUND TO THE MATTERS.

1. Barclays neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. Barclays has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. Barclays has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. Barclays exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management.

5. Barclays exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process.

6. Barclays further exhibited lack of professional and respectful account management manners.

7. Barclays negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. Barclays inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. Barclays ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. Barclays displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further Barclays actions impairing XXXX XXXX 's professional and personal status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit card fraud and identity theft. I submitted my complaint to Equifax fraud department on XX/XX/XXXX alone with a verified police report of the theft. I also discovered that I bacame a victim of identity theft during the Equifax Breach in XX/XX/XXXX after not receiving my social security XXXX deposit. My credit has been affected negatively lowered credit score by 200 points therefore affecting my personal and business credit making it difficult to achieve government contracts. I am XXXX  % service connected XXXX veteran in college full time and am in need of help with this issue. I resubmitted my information to Equifax fraud department again in XX/XX/XXXX, and still have not gotten any response. Thank you in advance. Please give me the benefit of the doubt that may arise in your decision.
Product: Mortgage

In addition to Numerous calls i received etc there was a notice taped to the front door of my home this morning that demands i contact Nationstar mortgage dba Mr cooper immediately. No return address from whom came onto my property and attached a notice to my door and it was brought to my attention by a neighbor who thought it was a summons to court. Im frustrated with this cause i have been in constant contact with this company since inception and it really appears that they are maliciously attacking me. I have a gross income of XXXX when i applied initially for the fourth attempt at a modification now i make even more income and i stull cant afford to pay them back????? During modification I told them that the XXXX of child support wasn't being paid and that XXXX in utilities is subsidized from the church etc so I've ALWAYS have had more than reasonable enough income to pay them responsibly but its always a different tactic and i didn't appreciate this notice from a person or company that wont identify themselves but now how to get in contact with me and leave threatening propaganda from their boss. I want to know why they got a unknown third party to put something on my door they already assigned my information to their attorney referral service so to go to this unscrupulous third party is unfathomable
Product: Credit reporting or other personal consumer reports

The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. When I reviewed my XXXX report, I found several inaccuracies and incomplete details. According to the Fair Credit Reporting Act, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information, as stated in 15 USC 1681 ( e ) ( b ). Additionally, under 15 USC 1681, if any disputed information is found to be inaccurate or unverifiable after a reinvestigation, the consumer reporting agency must promptly delete or modify the information and notify the furnisher. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ EQUIFAX INFORMATION SERVICES LLC ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Access and Furnishing of My Credit Information Dear Sir/Madam , I am writing to formally dispute the inclusion of my information on your credit report and to assert that I have not provided written consent for any entity to access or furnish my personal and credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ), my permission must be obtained before any third party can access my credit file. 
I do not recall giving written consent for any company to obtain or furnish my information, nor have I signed any documentation authorizing such access. According to the FCRA, all credit reporting agencies are required to only provide consumer information when proper authorization is given, and I have not provided such consent. 
Please investigate this matter, and remove any information obtained or shared without my explicit permission. If any company or third-party entity is listed as having accessed or reported my credit file without my consent, I request that you promptly correct this error by removing the associated entries from my credit report. 
Please confirm receipt of this dispute and notify me in writing regarding the outcome of your investigation. Under the FCRA, you are required to complete the investigation within 30 days and provide the results to me in writing. 
Should you need further information, please do not hesitate to contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] MY ONLY ADDRESS IS ON MY ID AND UTILITY BILL PLEASE VIEW ANY OTHER ADDRESS CAN YOU REMOVE FROM MY FILE.
Product: Debt collection

i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. California. I offered {$25.00} a month and then in 3 months {$50.00} a month and in 3 more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.
Product: Checking or savings account

I trusted chime and was with them for a year thriving in my account saving I am a tax paying citizen and I saved up to XXXX dollars by the XXXX of XX/XX/year> was viciously taken from me by a person who I dont no I ask when I first call them to close that person account to stop them from spending my hard earned money they done nothing but denied me like its my fault my transaction history shows its self I have nerve made a transaction over XXXX dollars this has already ruined my XXXX and left my daughter in shambles and they are telling me its nothing I cant do I caint file a police report cuz I dont no the person or have an adress for this person at this point I would like to take legal action on its like they telling me your money is gone and thats it I need help bad Im willing to even go to court about this
Product: Consumer Loan

On XXXX XXXX, 2016, we received notice regarding your complaint filed against Exeter Finance Corp. ( " Exeter '' ) through the Consumer Financial Protection Bureau ( " CFPB '' ). Exeter is committed to providing best in class customer service, Today is XXXX XXXX 2016 still not updated or correct for 13 Months now I am Demanding the Exeter Finance remove this from all XXXX Credit Bureaus. Before Legal Action is Taken against Exeter Finance and all XXXX Credit Bureaus
Product: Mortgage

I attempted to make a half payment today, XX/XX/2019, and the balance on the due date of XX/XX/2019. The purpose of this action is a common procedure to knock about 8 years off the mortgage term. ( 30 year mortgage ). I was told by XXXX @ XXXX office, ID # XXXX, that they do not accept partial payments and would send back my payment if I was to pay partial payment. This would be my first payment due on XXXX Amerihome phone number= XXXX I was solicited by a company unknown to make payments for me in this manner for a monthly fee which I felt was exorbitant. I promptly threw the solicitation mail in the waste basket. I want to make these payments myself and reap the reward. I feel their policy is unfair and possibly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX response was that they need authorization, but you can not get anyone on the phone. I have tried repeatedly to contact someone on the phone. I am giving authorization in this complaint. It's another tactic to continue to report incomplete and inaccurate information. I have asked XXXX to remove a statement that is reporting on my credit file that I didn't request and they have failed to comply. XXXX has sent correspondence verifying the bankruptcy is verified as a Chapter XXXX Experian sent correspondence claiming they also verified the bankruptcy as a Chapter XXXX. If you are getting your information from the same 3rd party source XXXX, why are Experian  and XXXX reporting 2 different types of bankruptcies? You are violating my rights as a consumer once again. They request a 100-word statement and evidence to support my complaints. They have deliberately ignored it and treating my disputes as frivolous. I feel discriminated against at this point. They are not doing their due diligence to rectify the issue. I have pulled my reports once again. Experian and XXXX  are reporting inaccurate and incomplete information and now 2 different types of bankruptcies. This is unacceptable. The account XXXX XXXX XXXX XXXX # XXXX is reporting 2 different ways by Experian and XXXX. This is a direct violation of my rights as a consumer under the FCRA. How do you ignore the documents that I upload? The Bankruptcy reporting on Experian and XXXX is inaccurate and incomplete. There are no accounts listed. XXXX has deleted the inaccurate and incomplete information. I submitted proof of the deletion and it was ignored. Experian and XXXX have no financial information about the bankruptcy. How is it verified? I have shown the deletion of the bankruptcy from XXXX. I also pointed out the incomplete and inaccurate information that's reporting on Experian the account XXXX XXXX XXXX XXXX? It's affecting my ability to gain credit, refinance my home. This ordeal has been very stressful and overwhelming. I am gon na attach proof once again. I am gon na now follow up with a supervisor at CFPB. I don't understand how the credit bureaus are allowed to submit automated statements and close a complaint without resolution. A copy of this complaint has been sent to my credit attorney. The next step is he will be reaching out. I submitted once again proof that XXXX sent me an update of their verified Chapter XXXXbankruptcy. And a copy of the bankruptcy Experian is reporting as verified Chapter XXXX. How is that possible? When reporting information it must be complete and accurate. Filing bankruptcy you must list all accounts with the bankruptcy and the financial information. Are you trying to say I filed Chapter XXXX and XXXX for XXXX account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]. " ( E ) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph ( D ). i have the right to privacy 15 1681 604 consumer reporting agency can not furnish an account without my written intstructions
Product: Mortgage

On XX/XX/XXXX we were informed by letter that XXXX XXXX  XXXX had sold our mortgage to PHH Mortgage Services. We were given a new phone number and account number for our loan ( see attached letter. ) It is now XXXX. We owed less than {$7000.00} on the mortgage. XXXX had always been wonderful.

Immediately upon receiving the PHH letter on XX/XX/XXXX, I called to make sure that they would continue to take out our payment of {$400.00} automatically. We are paying extra each month to pay off the mortgage earlier. It took me 3 or 4 phone calls to get through their menu system and reach a person. I could only do that because I hit the button for beginning a new mortgage.I explained the issue and that we'd paid {$1000.00} recently. I was assured they would take money out automatically, just like before I explained we were trying to pay it off asap ; she seemed sympathetic and understanding about this.. My husband and I paid {$1000.00} extra in XXXX to XXXX before PHH took over. It was cashed XX/XX/XXXX. 

On XXXX we received a letter that stated that their " records show that the account is currently paid ahead. The monthly payment that is automatically drafted from a designated financial institution will continue, however, please note that PHH will only begin drafting the monthly payment once the account is no longer paid ahead. '' We called on XX/XX/XXXX at XXXX XXXX upon realizing that they had NOT taken out the XXXX payment as promised. After 24 minutes, XXXX talked to someone who said we could only change the payment every month by changing the withdrawal amount. He was frustrated at their lack of help because they refused to take out the {$400.00} for XXXX ( as promised ) and thus we owe more in interest than we should. The phone call ended abruptly - all of a sudden the line went dead.
Product: Credit reporting or other personal consumer reports

Equifax hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The above hard inquiries are reporting on my Equifax consumer report illegally. They are in violation of the Fair credit reporting act. Per 15 USC 1681 ( B ), I did not give Equifax my written consent to report these inquiries. Therefore i demand that they be deleted immediately.
Product: Mortgage

I refinance home mortgage with Wellsfargo locked rate of 3.75 % 15 years. Within 2 weeks before it closed, Wellsfargo raise interest rate to 4.00 %. Wellsfargo is bake and switch. I am demanding Wellsfargo honor interest rate that both parties agreed on 3.75 %. I will provide documents pertains to my refinance. 

XXXX XXXX
Product: Credit card or prepaid card

Hi, I'm writing another compliant because I have this hard inquiry in my XXXX credit file report, of XXXX from XX/XX/2020. I'm disputing this hard inquiry a year later because in my other complaints same thing, I at first thought if I disputed certain hard inquiries with one credit bureau all credit bureaus would update to the same information. I now know that is false. So sometime last week I called XXXX ( XXXX XXXX ) and spoke with the President of Office to explain when I first disputed this hard inquiry with XXXX is because this inquiry was a result of fraud. I didn't have credit at all when this inquiry was initiated so therefore I explained this to the president of office in XXXX, but still writing a complaint because I feel no real action was taken after that phone call. I still need to write a compliant because even though in the past I spoke to the same company me writing a compliant here gave me a faster result then the actual company of the inquiry. I also wanted to note in my last recent compliant I meant to say unauthorized for the inquiry of CBNA. What CBNA is doing is illegal because If they can't provide me a letter with words, in writing, stating that they couldn't locate an application dating XX/XX/2020, and told me that on the phone, on a recorded line, but tell XXXX  otherwise, then they're wrong. I know I have the rights to dispute any detail or information in my credit files. XXXX again doesn't want to change that hard inquiry. I have a XXXX  name XXXX XXXX XXXX XXXX. I used to own a Citibank XXXX  account. The reason I no longer am partners with Citibank business is because their agent has the audacity to apply for a credit card using my social security number when I didn't authorize that. I guess he thought since I was a teenager and made comments that my business isn't going to really succeed and acted like he knew my XXXX  better then me, he knew what he was doing to me because I told him I didn't know the difference between business credit and personal credit. I only ever used my XXXX when setting up that old XXXX  bank account and completing any important document work. Citibank business has caused me time, a hard inquiry, and no good use of their services. This was all said when I first disputed this inquiry with XXXX, but XXXX doesn't want to get rid of the CBNA inquiry in my XXXX credit file.
Product: Credit card

Dispute for XXXX on XX/XX/year> and XX/XX/year> of 2 separate charges of {$870.00}. 

I commissioned an artist, XXXX XXXX XXXX, to create a custom painting for me. On XX/XX/year>, I emailed XXXX XXXX XXXX to check on the status of the painting. She did not respond. On XX/XX/year>, I followed up again, reassuring her that she could take more time if needed. On XX/XX/year>, she finally responded, apologizing for the delay. She stated that she had been in XXXX for a gallery show and had been unable to finish the painting. She promised that the revision round would be done within the next two weeks, which meant I should have received an update by XX/XX/year>. On XX/XX/year>, I responded kindly, expressing my understanding and support for her creative process.I followed up again on XX/XX/year>, asking for any updates. I followed up once more on XX/XX/year>, but again received no response. After multiple ignored attempts to contact her via email, I also sent a message through XXXX on XX/XX/year>, requesting an update or a refund, she has blocked me on instagram. Due to non-receipt of the commissioned painting, I disputed all three payments with my credit card company. The bank approved the dispute for one payment ( {$870.00} ) but rejected the other two ( {$1700.00} total ), despite all three payments being for the same undelivered product. The bank did not provide a clear explanation for why only one charge was refunded while the other two were denied.
Product: Mortgage

I reached out in XX/XX/2022 online to Huntington National Bank to inquire about PMI removal. I never received a response. I then called and was told that to begin the process I will need to get a certified appraiser to perform an appraisal, then mail it in and they would review my account. I hired an appraiser on XX/XX/2022 and had an appraisal done for {$450.00}. I then called back to inquire where specifically the appraisal should be sent and was given an address for the mortgage department. Again, this seemed normal process, the agent said ok mail in your appraisal and we will review your account. I received a call on XX/XX/XXXX, along with a letter in the mail, stating that I can only have PMI removed through an internal appraiser which is {$150.00}. I am now refusing to pay this because I shouldn't have to- I was advised incorrectly to order an outside appraisal which ultimately cost me more. I will not pay an additional {$150.00}. Huntington either should honor my certified appraisal or pay the {$150.00} charge. I also want PMI removed for any additional processing time this has caused on their part. 

I filed an internal complaint with Huntington Mortgage. The customer advocacy group then called back on XX/XX/XXXX saying that they will not cover the {$150.00} internal appraisal needed. This is predatory banking. I could not get a clear answer on how to get PMI removed and there is no clear process outlined on the website, which is what caused me to pay the external certified appraiser along with their incorrect guidance. My current appraised value is roughly XXXX XXXX more than what I paid for the home and the loan to current value is clearly high enough to remove PMI, but they are giving me the runaround. I should not have to pay additional money to hire their internal appraiser after they incorrectly told me and their website states nothing of this. If they ask for an internal appraisal now, they should cover the additional charge. Of course they have no incentive to remove PMI and there is no clearly outlined process for what a consumer should do.
Product: Debt collection

After reviewing my credit report I noticed this company listed on my credit profile. I never received any notification via mail from this company. 
I called this company and they informed me that they were collecting a debt from XXXX XXXX I informed them that I dont have XXXX I have XXXX I also informed them that I share a name as my father I also instructed them to send any documents to me via mail so that I can dispute this because it doesnt belong to me. 

They failed to send me any documents.