23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On approx. XX/XX/21, I noticed I had sent two separate {$1500.00} ( {$5000.00} total ) transactions to the wrong recipient on XXXX one was sent on XX/XX/21 ( posted XX/XX/21 ) and the other on XX/XX/21 ( posted XX/XX/21 ) I immediately contacted my bank ( XXXX XXXX  ) the following business day ( XX/XX/21 ) and they informed me that I could file a dispute on the first transaction ( {$1500.00} ) but not on the second because it was still showing as pending and seeing as I had changed the phone number to the correct number they hoped, we all hoped it would end up being sent to the valid phone number it was not. I contacted the bank again to file a dispute I was told a second one was filed ; however, I am not sure it ever was because I never saw a copy of the dispute. Upon filing the dispute, I was told it could take 15-45 days to get a response I periodically checked back with XXXX to see if my dispute had been resolved XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. On XX/XX/21, I was told that it had been 31 days, and it can take up to 42 days before we get a resolution. Starting on XX/XX/21, I contacted XXXX XXXX. On XX/XX/21, I was returned {$1500.00} of the {$5000.00} from Bank of America. On XX/XX/21, I requested XXXX to appeal for a dispute to recoup the remaining {$1500.00}. On XX/XX/21, I was told my appeal had been submitted, and it would take an additional 42-25 days. On XX/XX/21, I checked with XXXX, and there was no update on the request. On XX/XX/21, I checked again with XXXX and never heard back On XX/XX/21, I contacted XXXX again and was told, We opened a second service request for her for the second dispute, but it was denied by the receiving financial institution. ( Bank Of America ) The first XXXX we were able to get returned as a courtesy from them, but the second one is out of our hands, unfortunately. The customer can contact XXXX directly by going to their website and clicking through the Contact Us tab at the bottom of the page or perhaps try through Bank Of America, but Im not sure how much help they would be at this point. On XX/XX/21 I contacted XXXX to try to get some help from them and was told I needed to go to my financial institution. I contacted Bank of America on XX/XX/21 and was told there was nothing they could do for me even though one of their customers ( based on email traffic ) is the person who accepted the money that was sent. Just for reference, my husbands phone number I was trying to send it to ends in XXXX, and I sent it to a WRONG number ending in XXXX. The transaction ID for the XXXX payment that was NOT refunded/returned is XXXX. Also, the Bank of America customer 's account # ended in XXXX ( this is the WRONG account ) and I have no idea the individual who is on this account. 
The money should have gone to my husband XXXX XXXX but he has not received it.
Product: Credit reporting or other personal consumer reports

I submitted current billing balances for three creditors, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> were enclosed and sent certified mail on same said date to Trans Union and they did not update said information. 
Certified receipt # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 EXPERIAN was sent a formal dispute letter about inaccurate information contained in credit file. This dipute letter asked very specifically that the inaccurate information be VERIFIED and a document of the verification measures and entities be provided according to FCRA. 
XX/XX/2020 EXPERIAN sent a credit report which told me to contact the credit grantors myself. It also stated that no information was VERIFIED simply UPDATED for every single dipute item. 
At this time EXPERIAN refuses to properly VERIFY any of the inaccurate information that I have asked them to review which is a direct violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm being billed by Experian Credit Bureau a product called Credit reporting or something to that effect for XXXX for the past three months. I signed up with them for a XXXX trial offer then after a period time if I did n't cancelled they would bill me XXXX. Here 's the problem, I can never get through to them to cancel. What I thought would be an easy process to cancel was to go on the internet and cancel on their website like I signed up but they have no way to do that, they instead make you call which I have over and over and over on the number they give to cancel. The number they give is XXXX and today was the last straw. I waited on the phone for over and hour and fifteen minutes and finally hung up. Who has that much time to waste. They are making it impossible to cancel which I 'm hoping is n't their strategy but it sure seems that way. They have been billing my credit card with the number ending in XXXX and I would like these all of these charges refunded with the exception of the dollar I agreed to. That 's a total of XXXX they billed me and I want it back. I 'm on XXXX XXXX XXXX and I ca n't afford these unauthorized charges.
Product: Consumer Loan

so I went to trade in my car at a dealership when they got my info from my bankruptcy they told me I have n't made a payment since XXXX 2013 when I filed my bankruptcy. I told them I have been making my payments all along. that 's when they showed me my info on my bankruptcy and it showed only XXXX or XXXX payments. so they had to add all the obsolete payments up and add it to the price of the vehicle I was going to buy. and it came back that my monthly payment would have been {$950.00} a month. I laughed at them and said no thanks. I do n't think Honda financial should be able to hold all my payments from my credit report. it was killing my credit and also my car was n't even include in my bankruptcy in the XXXX place. I was on a 3 year plan to pay my bankruptcy off and I was told by Honda financial that they would n't put all my payment on to my credit report till it was all paid off. so now I cant trade my car in until all this is straightened out. what a big pain XXXX this has been. got to love the banking system!! not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, XXXX XXXX Equifax ) none of which have been updated. 

Also request for debt verification has been ignored
Product: Credit card

I've been a loyal Amex customer for over 11 years. Yet on XX/XX/year>, without ANY warning or attempt to discuss with me first, American Express cancelled all of my cards ON THE DAY OF MY FLIGHT, which I had booked with an Amex card. Not only was this unbelievably discourteous and unprofessional, Amex nearly stranded me in a foreign country, as foreign airlines often require payment card validation at the check-in counter. 

When I called Amex to inquire about my card cancellations, they simply told me that the cancellations had already been processed and that there was nothing I could do about it : no option to discuss or reconsider. That's it. 

As for why Amex cancelled my card, Amex said that it was simply due to a returned auto-payment that I swear I did not even authorize. I had previously manually disabled autopay on all of my accounts and even contacted support to disable autopay and align my due dates, yet somehow an autopay still occurred.
Product: Prepaid card

Received card XX/XX/XXXX. Use card XX/XX/XXXX via XXXX XXXX in person for groceries. Used card via XXXX XXXX online on XX/XX/XXXX ( XXXX XXXX ). The card 's initial amount was {$400.00}. There is a balance remaining of XXXX. Tried to use the card on XX/XX/XXXX online at XXXX ( purchase declined ). Attempted the XXXX XXXX purchase of {$240.00} in person ( XXXX attempts ) using XXXX. The payment was declined. The same day, XX/XX/XXXX I attempted to use the card at XXXX in XXXX XXXX since I was able to use the card at this location on XX/XX/XXXX for {$86.00}. Make 2 attempts, payment method declined. The customer number on the back of the card does not give you a live person. XXXX a different number and was able to speak to a person who said that my card was active and showed a remaining balance of XXXX. He was unable to explain why an active card with a remaining balance continued to be declined. He continued to read irrelevant information that was scripted. Note the declined charge did not show up on the statement. However, I attempted online on XX/XX/XXXX and that charge is pending, I asked for a written response via email. Through research, I see this is not an uncommon issue with AMEX gift cards or the awful customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS LYING TO ME AND NOT READING MY COMPLAINT. I HAVE 1 HARD INQUIRY ON MY CREDIT REPORT BY XXXX XXXX-XX/XX/2019. THE ORIGINAL CREDITOR SENT ME A LETTER STATING THE INQUIRY WILL BE REMOVED AND PAID ME {$50.00} FOR THE MISTAKE. 

On XX/XX/2019, i sent that letter to TransUnion through the CFPB and they responded the Inquiry was verified through the creditor and is factual, which will remain on my credit report for two years. THAT IS A LIE. They do this every time. They said the same thing before for items that was ALREADY DELETED!!! 

THIS IS MY FINAL REQUEST TO REMOVE THE HARD INQUIRY BY XXXX XXXX ON XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress. 

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file. 

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information. 
I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) Factual Data- XX/XX/XXXX ( Equifax XXXX XXXX & XXXX - XX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Early this year, I have received a mail from " unknown '' sender only with the address XXXX XXXX, XXXX XXXX, XXXX, CT XXXX. When I opened the mail, it was unidentified dept amount without any details and the body of the letter was stating that they will file a lawsuit. I called the company Cavarly SPV I and the representative was saying that they will file a lawsuit if I do not pay the debt. I wasn't sure what this dept is all about so I asked them if they could provide details and the personnel just hung up the phone. After months later, I filed a dispute to the credit bureau, and oddly the very next day XX/XX/2022, Cavrly SPV I LLC filed a lawsuit through XXXX XXXX XXXX XXXX without the open dispute being verified and summon was delivered on the XX/XX/XXXX around XXXX. This XXXX companies seem to me, they are coordinating to collect the credit dept in unethical way based on the timeline of the procedure they have made, not to mention the written and verbal threats that were made by Cavalry SPV I LLC.
Product: Debt collection

On XXXX at XXXX central time i believe her name was XXXX called from Synchrony bank in re my Amazon credit card that is in collections with them. I adv that she is illegally calling me outside of approved hours and would be filing a complaint.
Product: Credit reporting or other personal consumer reports

I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records. 
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Debt collection

My name is XXXX XXXX. I am refusing to pay {$170.00} the amount that you are requesting and stating that I owe. I have on several occasions attempted to contact XXXX. I have written to them on four occasions in writing concerning this issue with no response. I did not have service with XXXX in XX/XX/XXXX. I cancelled the cell phone service in XX/XX/XXXX, I have not used their service and they were billing my credit card, when I cancelled my credit card in XX/XX/XXXX. 

I called their customer service line several times to cancel the service for the phone number XXXX. Which I have not used phone service with XXXX since XX/XX/XXXX. XXXX company would not help me because I did not know the pin to the phone. I provided my email which is XXXX, and the phone number. I was sent an email, with a code, however the code would not work and no one at their company could assist me. 

XXXX continued to bill my credit card which is wrong. I asked to cancel the service in XX/XX/XXXX. Yet XXXX XXXX continues to bill and say that I owe them, and I do not. I asked Please cancel the phone service for XXXX. On XX/XX/XXXX, I asked my credit card company, XXXX XXXX to stop the payment from going through, because I no longer had service with you. XXXX actually owes me money for two months billed with no service. 

I am going to Contact the NEWS to get help, because this company continues to send me to collects for a bill and a collections company and I did not have service with your company. Please, please stop sending me bills. 

I still continue to receive email bills from your company with double the amount. I do not owe you any money and please stop sending me bills. This is a written request, XXXX letter, XXXX letter and now XXXX and XXXX letter asking you to stop billing my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  it may c oncerns, I am writing regarding a few accounts that have been on my credit report with   XXXX    for more than 7 years. I have contacted  XXXX  many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but  XXXX  has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to  XXXX  and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against  XXXX  because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX    XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  Thank you
Product: Credit card or prepaid card

Citi sent me an adverse action letter reducing my credit limit from XXXX down to XXXX  on on of my accounts. When I chatted online with Citi to ask them to reconsider. The rep, XXXX, told me that XXXX asked Citi to reduce my credit line and that " per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit '' This information is not correct. 
So I called in to Citi 's customer service line, and a rep on the phone told me the same thing, and gave me XXXX  's number ( XXXX ), telling me that XXXX  would be able to consider restoring my credit line with Citi ... 
Why it Citi allowed to lie to it's customers? 

Citi chat conversation pasted below : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
You at XXXX, XX/XX/XXXX : Absolutely! 
XXXX at XXXX, XX/XX/XXXX : Could you please verify the last 2 digits of your credit card? 
You at XXXX, XX/XX/XXXX : The card in question ends in XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
You at XXXX, XX/XX/XXXX : My pleasure! 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. 
XXXX at XXXX, XX/XX/XXXX : We were notified by XXXX  that there are substantial debts with other 2 creditors and we were asked to decrease your credit line from XXXX to XXXX. If you disagree with it, you XXXX certainly dispute it through XXXX  and get back to us. We would be happy to submit a request for your credit line increase again. 
You at XXXX, XX/XX/XXXX : What do you mean? It was XXXX then it was knocked down to 1960? 
You at XXXX, XX/XX/XXXX : I have perfect on time payment history will all creditors, including citi for 8 years You at XXXX, XX/XX/XXXX : My double cash card is XXXX years old XXXX at XXXX, XX/XX/XXXX : I can understand but we were asked to do that, as per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit, you need to contact them and ask why it has been reported, if you see any discrepancy in your credit report, you may contact us again and we will raise your request to increase your credit limit again.
Product: Mortgage

We initially contacted Freedom Mortgage ( Spring XX/XX/XXXX ) to  drop our PMI when our LTV was at 80 %. We were told since our loan was less than two years old, we will need to get an appraisal to determine if the value of the home had changed. After the apraisal ( {$600.00} ), we got a letter a week later stating that in order to drop PMI we have to be at a LTV of 75 %. ( btw, we've never been late for a payment ). We did learn that some mortgage companies do require a 75 % LTV, so we brushed it off as a standard practice and kept making payments ( even though we did feel a bit misguided by Freedom Mortgage ). 

We finally hit 75 % LTV earlier last year ( Spring XX/XX/XXXX ) and once again, submitted a written request for our PMI to be removed. They sent a letter stating we were not at the correct LTV to drop PMI and that the last appraisal was only good for 6 months and we need to pay for another one. We were told once the loan hits a 75 % LTV, the PMI will automatically get dropped. However, if Freedom Mortgage had done this, I would not be writing this complaint. We are now just below 73 % LTV and Freedom Mortgage is STILL refusing to drop PMI unless we pay for another appraisal. 

This is ridiculous! When will it stop? We've gotten so many mixed messages from F.M. that we're beginning to think they're purposely scamming us into paying unnecessary PMI payments. We've gotten confirmation ( over the phone ) that we are eligible to drop our PMI, but then we receive a letter stating we need to meet certain requirements before the PMI is dropped ( which we ARE currently meeting ). 

We try to email this company to keep a communication chain, but every time we email them, they reply by sending a printed response by mail. Our case notes are never recorded, so each time we call to get an answer or to check the status, no one has any history of previous calls/complaints and we have to go through our entire ordeal every time. 

If this complaint doesn't help get a response from Freedom Mortgage, I will likely seek legal action against this company. We've wasted thousands of dollars waiting for this company to do what is LEGALLY required, but they continue to disappoint.