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

Barclays inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. I am losing thousands of dollars because of their inconsistent and therefore inaccurate reporting. 

My report dated XX/XX/XXXX showed 7 90 day lates. Also the history shows that in XXXX it was 4 times late but then in the report dated XX/XX/XXXX shows it 5 times late. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. Then on my report dated XX/XX/XXXX the information changed to 33 90 day lates. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a XXXX point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screen of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be XXXX by XXXX points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Barclays is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score.
Product: Credit reporting

Filled out the forms to. Get my credit report after being denied credit. I believe there are many things that can be deleted from my account out dated bills. Charged off bills and bills taken over by other companies. Most of my poor credit is due to u paid medical bills. I am indengent and on medicaid can I get help with forgiveness on those bills and my student loans
Product: Credit card or prepaid card

This complaint supplement a complaint that I filed on XX/XX/2019. XXXX. The bank has only partially corrected the problem. Although they have corrected the billing issue and I am now receiving a bill on time and making payments on time again. They did not bring the account fully current, leaving a it a month in the rear. Despite receiving payments on time every month, they still continue to report the account as delinquent to the credit bureaus. I would like to stress that I never entered into a contractual agreement with this bank. Commenity Bank  purchased this account from another lender with whom I was in good standing and never notified me in writing of a change in terms or that they had purchased the account. I have had several problems with them since this purchase that have resulted in late fees, late interest, and violations of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

1. U.S. DEPARTMENT OF EDUCATION XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXDEPARTMENT OF EDUCATION XXXX 15 U.S.C. 1681 SECTION 602 A. States I have the Right to Privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) SECTION states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well.

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas  resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas. XXXX hasn't produced info.
Product: Credit reporting

The credit reporting company called Experian has historically been very troublesome often denying me my free annual credit report long after the one year eligibility time has elapsed. After completing all required information either via phone or more currently online, they 'll immediately deny me my report and ask I mail photocopied drivers license, utility bills and other like items to verify my identity to get my report. Thereafter they always mail back a response saying that I 'm ineligible because they just sent me one. When they did not! It appears that once the initial annual request is made, and if denied, they view this as a report was generated and sent. Then they adamantly deny any further disputes when told that the requested report was not sent! This has happened many times and I have gone several years without seeing my report. It just happened again on XXXX/XXXX/XXXX when after completing the on-line form, I was again denied. Even though my last report was dated XXXX/XXXX/XXXX. However they always point out that I can easily buy the report by remitting their asking price. I am very angry with Experian. They offer no personal phone in help. Only endless pre-recorded messages designed to frustrate a caller. I have no problem with the other XXXX credit reporting agencies who are helpful and easy to deal with. I want my annual credit report from Experian each year without all the trouble they cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX is in violation of my rights.. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Sections 2 It also states that A consumer reporting Agency can not furnish account with out my written instructions..
Product: Debt collection

They have been harassing me saying I owe a debt from a check that came out of a closed bank account 4 years ago and even contacted my employer, through a customer service line stating they were a customer, and then released information to a random employee stating that they are making a decision on my behalf with or without me and told said random employee I needed to contact them after telling this employee all of my information!
Product: Debt collection

I have tried calling and asking for an invoice and they have yet to send me one. They told me they did not have one in file, but proceeded to ask me to pay the debt. WAKEFIELD & ASSOCIATES I
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by Experian, XXXX, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet
Product: Checking or savings account

The Credit Union 's information : SchoolsFirst Federal Credit Union - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/22, I contacted SchoolsFirst Credit Union regarding unauthorized transactions totaling {$5700.00} of over 20 transactions of a few hundred from XXXX and appealed for a fraud claim. 

On XX/XX/22, I was contacted by XXXX from the fraud department and was asked questions if I was involved in an online scam where I had given away my information, but I told her I was not involved in anything XXXX. I told her I lost my wallet at work before, but that it happened over 1-2 years ago and the charges just came recently from XXXX which I had never used. I was then told I would receive provisional credit in the meantime as the investigation was ongoing. 

On XX/XX/22, I had to contact them again because they haven't replied back in over 10 business days regarding my fraud claim either by phone, email, or physical letter. I was told the fraud claim was denied on the basis that I logged into my online checking account and saw the transactions, but did not report them in a timely manner. 

However, when I pressed them if they had received contact or received any information with the XXXX company, they told me that the process takes time and they had not received anything regarding the unauthorized transactions that went through. 

I believe this Credit Union is under violation of Regulation E as they were pressing me in the interview about my negligence, but I did not do anything stated under Regulation E. 12 CFR 1005.6 ; Comment 6 ( b ) -2. I told them several times they were unauthorized online transactions, but they had closed my claim on the basis of not reporting in a timely manner and for having logged in to my account even though my account is protected and I am signed up for fraud alerts ( which all of these transactions were never flagged as being suspicious ). 

They did not give a reasonable investigation and closed the case prematurely having never worked with the company to solve the issues and also did not formally update me either email or physical letter. Provisional credit was also denied as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX   XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fr these violations.
Product: Vehicle loan or lease

My husband, XXXX XXXX, leased a XXXX XXXX XXXX for me starting in XX/XX/XXXX with the lease end of XX/XX/XXXX ; we contacted Hyundai Finance and were given permission by them to continue to 'rent ' the vehicle because we were in the process of refinancing the vehicle so that it was in my name. I contacted XX/XX/XXXX XXXX XXXX XXXX XXXX and was able to obtain a loan for the vehicle utilizing them. Additionally, my husband also received a loan through XX/XX/XXXXXXXX to purchase his lease ending vehicle from Hyundai Finance. 

We completed the paperwork at the beginning of XXXX including the Credit Union sending payments fulfilling the buyout of both vehicles from Hyundai. We were told that it would take approximately three weeks to receive the titles from Hyundai Finance that we would need in order to apply for tags and titles for our vehicles. Hyundai Finance has been negligent in their fiduciary responsibility towards myself and my husband. Though they received, accepted, and applied the funds towards closing out both accounts, they have not provided the necessary signed odometer statements that we need to take to the Department of Motor Vehicle in order to obtain our tags and titles.

We have contacted Hyundai Finance multiple times and each time they will ensure us that they will send us the necessary signed documents ; they have not fulfilled their part of the bargain to this date. It has been nearly two months since we submitted the payments necessary to close out our Hyundai Finance accounts but Hyundai Finance seems intent on not providing the signed documents. We simply want the signed documentation necessary to complete the transaction when we go to the DMV. I am a part of this now because XX/XX/XXXXXXXX provided me a loan for the vehicle but I can not obtain tags for my vehicle due to Hyundai Finance 's negligence. Additionally, my husband has the same issue with his vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.
Product: Credit reporting

I filed a dispute with Experian to get several items removed from my credit, since they have expired based on Florida Statute 95.11.2(C) for mortgages and XXXX for credit cards. I am disputing credit cards and mortgages that have passed the statute of limitations pursuant to Florida Statute of Limitations. Not only did Experian not follow the Florida Statute of Limitations, but the results they provided at the end of the dispute are completely off-base and incorrect.  Experian stated dates on their "results" that did not even make sense based on the information supposedly reported by the creditors on my credit report. In my opinion Experian is simply echoing what the creditor is telling them, instead of taking XXXX sets of information and then using the law to find the correct conclusion or result to the dispute. Experian is taking matters into their own hands and not abiding by the law, whether it is the Florida Statute of Limitation or the FCRA. Experian is passing judgment as THEY see fit and not as the established law states it should be.
Product: Vehicle loan or lease

I purchased the lease buy out on XX/XX/XXXX. They say that they have shipped the title but it never arrived. They have the right address but it got returned. They have no tracking details on it. They then said that it was resent on XX/XX/XXXX which hasn't arrived yet with no tracking. Now they are saying they can't do anything. They refuse to provide lien release letter so that we can duplicate and we have already paid sales tax at the time of leasing. We have given the Option to them to send us by XXXX on our money. We need to have title to drive the car and without it we can get in trouble.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau : I would like to submit a dispute against Citi Simplicity Card in the amount of {$1000.00}. Citi automatically issued special rate document on XX/XX/XXXX Annual Percentage Rate ( APR ). The document stated the APR was lowered to 0.00 % for purchases made through XX/XX/XXXX. The credit limit on the credit card was {$2000.00}. 

There was no revolving balance on this credit card as of XX/XX/XXXX. On XX/XX/XXXX Citi charged a {$1000.00} fee with the entry Offer 04 Promotional APR Ended XX/XX/XXXX. I phoned Citi and they stated I made transactions against the credit card and this was a valid charge. 

I reviewed Federal Deposit Insurance Corporation ( FDIC ) 6500 Consumer Financial Protection Bureau 1026.54 Limitations on the imposition of finance charges, it states finance charges can only be imposed on unpaid balances as of the grace period. All of these transactions were paid in full as of XX/XX/XXXX and there were no monthly charges during the timeframe revolved on this credit card. 

I am assuming the Citi fee in the amount of {$1000.00} applied to transaction charges placed on the credit card from XX/XX/XXXX to XX/XX/XXXX. Citi stated : All purchases prior to XX/XX/XXXX were placed in the promotional interest rate, when this promotion ended, these purchases were transferred to the standard purchase segment. 

FDIC 6500 regulation states finance charges can only be imposed on unpaid balances as of the grace period. Can Citi go back and charge interest on purchases that did not revolve over the due date of the monthly statement?
Product: Debt collection

They called me to harass me about a debt they already tried to harass me about before. I told them to stop because I wanted nothing to do with them and today this morning they called again. Only now the debts they are trying to collect are outside the statute of limitations in my state. They were rude, hung up on me, and talked over me and wouldn't answer my questions related to the debts. I didn't acknowledge them because no specific info was received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting a late payment on my account that is allegedly more than 30 days past due. However, there are discrepancies in the reported dates across the XXXX major credit bureaus : XXXX : Reports the late payment as occurring in XXXX of XXXX  ; XXXX : Reports the late payment as occurring in [ Different Month ]. 
TransUnion : XXXX the late payment as occurring in XXXX of XXXX. 

These discrepancies are affecting my credit score and misrepresent my creditworthiness. my account was never more than 30 days past due. 

I have previously contacted XXXX XXXX to address this issue, but they have not corrected the error. Additionally, I have filed disputes with each of the credit bureaus, but the inaccuracies have been verified without proper resolution.