23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On  XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an account by Barclays Bank Delaware on my credit report. The information reported by Barclays contains inaccuracies and can not be verified per the requirements of the Fair Credit Reporting Act ( FCRA ). 

Specifically : 1. The Date of First Delinquency ( DoFD ) appears incorrect. According to my understanding, the DoFD should be XX/XX/XXXX, but Barclays is reporting a later date. This discrepancy is critical because it impacts the timeframe for when this negative account should be removed from my credit report. 
2. The account shows repeated monthly charge-offs from XX/XX/XXXX through XX/XX/XXXX, despite the legal requirement that charge-offs be tied to the DoFD and not repeatedly reported. This creates a misleading impression and disproportionately affects my credit score. 
3. Barclays has failed to provide any validation or proof of the accuracy of this account, including statements, payment history, or evidence of ownership. 

I have attempted to dispute this with the credit bureaus, but they have not provided satisfactory resolution, nor has Barclays validated the account. As a result, I am requesting the following actions : Immediate deletion of the Barclays Bank Delaware account from my credit report due to its unverifiable and inaccurate status. 
A confirmation from Barclays and the credit bureaus that this account has been removed or corrected. 

Supporting Information : I do not have access to account records or statements due to the accounts age and Barclays failure to provide them. This lack of information underscores the importance of their compliance with validation and accurate reporting requirements under the FCRA.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit card or prepaid card

On the day I opened my citi bank double reward card i asked about waving a balance transfer fee, the representative advised it would be waved. 
I called to confirm the transfer fee wave and i was told they did not honor it.
Product: Debt collection

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent my letter off on XXXX and XXXX. I told the credit bureaus to investigate every piece of information on the accounts i have listed below. Also i have attached the letter i sent out and here is the tracking # XXXX. ) XXXX, XXXX. ) XXXX, XXXX. ) XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. i have the credit report showing the inaccuracies Accounts # XXXX support, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit acceptance is a fraud company, they used lemon car companies to add extra charges. I returned car after 30 days due to motor blowing and they have put entire car price on my credit. They have been sued multiple times for these very same practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX/XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX/ XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Product: Student loan

As with most creditors, Sallie Mae pushes to promote paperless billing. Their online solution to manage payment is particularly frustrating as it provides little useful information and makes it difficult to understand how much you owe for a given pay period. The " due balance '' only relates to what is due that day, so shows {$0.00} until your payment is due, meaning once you respond to this you payment is late. Any reputable creditor shows what is due for your next payment and provides easy access to your statements. 

I believe the Sallie Mae method of operation is knowingly unclear with the intention of confusing customers to be forced to pay late charges which exceed the normal monthly finance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1692C .XXXX Account # XXXX, has violated my rights. 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 if the person knows or has reasonable cause to believe that the information ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Product: Credit card or prepaid card

I have a charge dispute with Discover thats going on 4 months now, for goods and services that were never received. A merchant charged {$6800.00} on XX/XX/XXXX for a siding job on my and my husband 's house. The merchant never delivered the goods or service, and after a year of excuses, the contract was cancelled, and I requested a refund. Through repeated attempts, I have been unable to contact the merchant since then. After failing to resolve this with the merchant, I opened a charge dispute with Discover.

4 months in dispute and this charge has not been settled. Ive provided extensive documentation of the merchants non-delivery and contract breach. Each time I speak to the dispute department, Im told additional information is needed, and I provide this information. However, on my XX/XX/XXXX phone call to the dispute department, I was again told Discover requires additional information, however this time I was told I cant tell you specifically what that information is. The agent also inquired as to why Discover should be responsible for refunding me this money.

Discover claims this is still a valid charge, despite the fact that I never received the goods/services. As the charge is beyond 3 months, Discover no longer has the ability to chargeback the merchant, so the money would come from Discover itself. I believe this is why Discover continues to claim the charge as valid, because it would cost them money otherwise.
Product: Student loan

They make it impossible to pay, are very difficult to contact and keep reporting me and ruining my credit score. 

Any amount of research on the company ACS educational services turns up nothing but disdain from customers who are constantly getting screwed over. How is this even legal?
Product: Checking or savings account

On XX/XX/year> I went to a branch of Bank of America in XXXX XXXXXXXX XXXX  and deposited a business check for {$3700.00}. via a bank teller. The deposit was made correctly and I received a receipt from the teller. Then later in the day I received an email from Bank of America that a hold had been put on my deposit because they " had information the funds may not be collectible '' No other explanation was given and I was not able to get any explanation via the company website or by calling their help number ( after thirty minutes on hold I was disconnected ). 

It is obnoxious and unbusinesslike and stupid for a bank to put a hold on someone's sizable deposit to their business checking account for an indefinite period without explanation. I called the client who had submitted the check to me and he could find no explanation via his own bank account either. As of today the funds still have not been released. 

The account is for a part-time business of mine called XXXX XXXX  XXXX and the account number is XXXX XXXX XXXX In my 20+ years of having a BOA account it has been one idiotic thing after another with this bank 's poorly-trained employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter out to TransUnion, XXXX, and XXXX. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!
Product: Debt collection

I get almost daily calls from Transworld Systems. I have no debt. I feel it is just a scam and I will not have anything to do with them.
Product: Money transfer, virtual currency, or money service

My bank won't refund my XXXX dollars and XXXX cents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States i have the right to privacy. 
15 U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

Hello, I had service with Equafax for years I was told to upgrade It on XX/XX/year> thats when the problem happened I was told we will contact you the problem NEVER resolved but I was been charged few times and I forgot about the problem I thought the problem was fixed so yesterday I apply for XXXX but I was informed my credit files are frozen I unfreezed XXXX but when I tried to login to Equafax same problem happened I called them and paid for new services and I received an email to reset my login but same thing happened and the customer service told me we will send you an email but I didnt happened again I can not login after trying to reset my password Im not robot keeps going in the loop and I can not proceed
Product: Mortgage

XX/XX/2022 I called Highland Homes. The sales rep informed me about XXXX XXXX. Seen the property and talked to XXXX XXXX. XXXX told me the next step was to talk to the loan office. So, I spoke to the loan officer, applied, and uploaded all my documents. 

XX/XX/2022 I spoke to the loan officer that morning. Due to miscommunication about the rate and incentives, I drove XXXX minutes back to XXXX to talk to the salesperson ( XXXX ). I was told the final numbers would be available by the end of the day Saturday. Unfortunately, I never received the final numbers to purchase XXXX XXXX. Nor did I receive the application, sales contract, the amount of earnest money, and how and when to pay the earnest money. In addition, I also reached out to the builder and requested to work with another salesperson. 

XX/XX/2022 I spoke to another sales associate who informed me that the earnest deposit was {$5000.00} and I should receive the final numbers by the end of the day. 

XX/XX/2022 I received an email from XXXX telling me the property had sold. This was the only time XXXX responded to any of my emails. According to the internet, this house is now pending sale. I spoke to the Division Manager, XXXX XXXX. I informed her of what had happened to me. She told me she would investigate it and get back to me ASAP. 

XX/XX/2022 XXXX called me back and asked about my experience. But unfortunately, she did not provide any clarification as to what happened. So, I contacted the new salesperson to inquire about XXXX XXXX XXXX. XXXX sent the buyer sheet. 

XX/XX/2022 I sent XXXX back to the buyer sheet and asked several questions. 
XX/XX/2022 I received an email from the loan officer informing me that the XXXX XXXX rate had expired. 
XX/XX/2022 I still havent received a response to my concerns. 

I firmly believe there were deliberate actions taken and a refusal to sell me the house at XXXX XXXX. 
If I had been adequately informed and received the information to pay the earnest money and sign the sales contract before XX/XX/2022, the purchase price would have been $ XXXX with a XXXX XXXX rate. Now, I am looking at another house that is $ XXXX with a XXXX XXXX rate. The projected monthly price is {$800.00} higher. 
XXXX retaliated against me after reaching out to corporate and asking for another sales rep. I would like to understand why Highland Homes refused to sell me the house at XXXX XXXX and why they are refusing to sell me the house at XXXX XXXX. 

Below are the questions I asked but never received an answer to. 
- What is the usual process for buying a house from Highland? 
- When did XXXX XXXX go under contract? 
- When did the person buying XXXX XXXX see the house, apply, obtain a pre-approval, and pay the earnest money? 
- Why did Highland Homes have me reach out to the loan officer, obtain a pre-approval if their intention was never to sell me the house on XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I sent a letter to the credit bureaus requesting incorrect personal information be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I used my Federal Relief check to make XXXX XXXX whole while XXXX  XXXX  suffered losses commencing XXXX Covit 19 as we are in extended lock down in XXXX, New York. Hence, we are square and yet my credit score tanked 50 points!