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

After submitting my dispute requests, XXXX and Experian did not investigate this account. ( XXXX # XXXX ) appearing on my credit file. The account inaccurately reports multiple charge offs with absolutely no other payment history. 

The account has not been updated, corrected or deleted after several previous disputes.
Product: Credit card or prepaid card

On XX/XX/2020 there were 4 charges totaling {$550.00} from XXXX that Chase Bank ( phone XXXX ) flagged as fraud on my Chase Freedom credit card and shut down the card. I spoke with the Chase Fraud Dept. explaining that I did not make or authorize the charges. On XX/XX/2020 Chase reversed the charges from my account. 

Subsequently on XX/XX/2020 Chase reapplied the charges to the account. When I spoke with their fraud department again, they explained that following their investigation they noticed that we had prior purchases from XXXX so they assumed the charges to be valid. 

If they had actually investigated this, as they stated, they would have found that : 1 ) We have never used XXXX, which is a food delivery service 2 ) The actual charges make no sense because the charges indicate a purchase of {$550.00} on four separate purchases on the same day all for sushi, for walk up service ( note XXXX is a DELIVERY service ) 3 ) Chase was the one who first identified the charges as fraud and notified us.
Product: Debt collection

I Checked my credit report regards to this situation and a charge has popped up regarding to me owing them XXXX dollars as of XX/XX/year>. I called the number and they said they have no record of me at all of me and my name associated. and then told me they have been sent from a 3rd party with a email that is not mine or bank.
Product: Vehicle loan or lease

I had this loan for about 2 almost 3 years my income changed around XX/XX/XXXX and had issues keep up with the payments. that's when the calling and emailing started they would contact me every hour by email and phone about my account I told them over the phone and by email they they no longer have my permission to contact me by my cell phone or email. I told them they can correspond by mail. they stopped for about 6 months and began to call my cellphone again around XX/XX/XXXX leaving messages for my husband when I told them not to call my cell it was distraction at my job. I had not gotten anything in the mail for the last 3 months. I've tired calling but the line disconnects each time a associate comes on the phone and they continue to call my cellphone leaving messages for my husband when they have is number leaving voicemails on his cell as well. When I asked to refi my loan when my income changed they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Experian provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If Experian is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately.

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being. 

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

XXXX XXXX XXXX XXXX 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account Number : XXXX 2. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score.

- I have already paid off the account in full.

- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation. 

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/2006  and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an extension for my Best Buy Card after catching XXXX and had to stop working for some time. My request was granted and my account was supposed to be deferred. However, I received notification that my account was 30 days late. I contacted Best Buy the following day and the representative informed me that after I make a payment and after the payment clears, the information being reported will be deleted and my account will be current. The payment was already made and was pending. After a week went by, the 30 day late payment that was being reported was deleted and my account was back to current. However, an additional two weeks went by and now the information that was once deleted is being reported again and showing on my XXXX account. Ive reached out to Best Buy and they informed me that it was corrected on their end and that I should contact XXXX. XXXX did a dispute for me and asked me to contact Best Buy which I did and they also filed a dispute.. However, the information being reported has not been deleted. The creditor agreed to delete the information being reported as long as I made the payment and the payment cleared. I had already made the payment before calling Best Buy and the payment was pending which is why the representative asked me to wait until it clears then the information being reported will be deleted. The information was deleted but it has came back on my account and I am not sure why after the creditor agreed to delete it. This is the reason for my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** Identity Theft Related, FCRA Requires immediate response and resolution within 5 Days *** Credit Reporting Company. Please see attached documents. XXXX XXXX has deleted the Bankruptcy, Address, and and even all the inquires it had. Please do the same. This Bankruptcy record is proven to be inaccurate and not mine. Please delete immediately I am tired of waiting. You all have kept this lie on my Credit report for 7 years! I am due some compensation these violations and failures on your part. Please delete this record immediately!
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. I'm a victim of data breach XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX & ( XXXX ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
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 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 era resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause Exeter Finance doesnt not have a physical address. My credit report is showing a late payment which needs to be removed
Product: Checking or savings account

It is publicised information that Square had a Nationwide ( if not Worldwide ) outage yesterday, XX/XX/2023. This outage effected my ability to manage funds automatically placed into my Square ( online ) Savings Account. I was unable to toggle the Square Savings selection to the OFF position, so that my funds, a total of {$2200.00}, would not go to into Square Online Savings, but instead, go into the batch purposed for transfer into my brick and mortar Business Checking account, as my nightly scheduled transfers usually operate. I tried phoning into Square, in order to receive assistance, but an automated greeting stated that the system was down and no one was available to take my call. I kept trying to get through from XXXX until NOW- the next morning, XXXX EST. Still can not get anyone on the line. I tried chatting with a representative online, but it was clear it was a system bot - I got nowhere. 

As a result, I could not gain access to crucial funds needed to cover business expenses, one of which was a paper check I wrote to pay my restaurant lease. Consequently, that paper check did not clear my Business Checking account ( {$1900.00} ), and I've been charged a fee from my bank. I fully expect to be charged a fee from my landlord, since the check was returned NSF. I was also charged three {$37.00} fees for three other items. 

Worse, there is a standard 24 hour delay between the request for funds from the Square Savings Online Account, and disbursement. Although the system is now up, I can not get the funds into my account until Monday, because today is Friday, and funds are not disbursed over the weekend. 

To add insult to injury, I also did not receive the end-of-night transfer of {$130.00} that was supposed to be automatically transferred to my Business Account at the end of night. As of this morning, that balance is pending.

I pay a fee to have my money transferred nightly ; I pay a fee for each card transaction ; I pay a fee to subscribe to additional Square functions .... But to not be able to speak to someone when there's an emergency tells me it's time to find another processor. 

I am posting this so that a ). others will learn from my mistakes and b ). a Square representative might see this and take steps to reimburse the fees that ensued.
Product: Credit reporting

I had a payment due to XXXX XXXX on XXXX. I initiated a payment ( which cleared on XXXX ) however they reported that the card was over the limit, however had the payment not been on hold it would have never been over the limit on the reporting day. I contacted the company and all three bureaus with no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXXN ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Payday loan, title loan, personal loan, or advance loan

The company best egg agreed to give me an extension on payments after I was cut down to part-time hours at work. The agreement was there for 60 days I would not make payments and then that my payments would resume as normal. They sent me an email confirming this. 
They then proceeded to put non-payment marks on my credit score for 30 and then 60 days of non-payments. The result was that my credit score fell by XXXX points! It took me almost a month to get someone to respond to me as to why they did this even though they agreed that I wouldn't make payments for 60 days. When I did get a response they told me it would take 45 days to fix it. 
When they did finally address the issue they only changed one of the marks to improved which raise my credit score XXXX points. They did not even bother to address the other Market all. This leaves my credit score XXXX points lower than it should be. I can not refinance my car, I can not be put on the mortgage for my house, and the deadline for the low interest rate small business loan that I was hoping to get has now passed. 
They are not refusing to fix my credit score and raise it the appropriate XXXX points to where it should be. They are claiming that on their end everything is fixed. When I log in and look at my credit reports nothing is fixed. I have taken screenshots. 
If you value your credit score do not do business with this company. They made a mistake and I understand that that happens, but their refusal to properly correct that mistake and leaving me hung out to dry is unacceptable!
Product: Credit reporting or other personal consumer reports

Signed up with Experian a while back for free credit monitoring. Long story short, every time you log-in they send you to a page that tries to get you to pay for their membership. I hit decline every time I log-in, but at some point Experian started trying to charge me for the paid membership even though I did not sign up for it. They now periodically charge a card of mine that is no longer active and send me an email each time it declines. When I go to log on it takes me to a page to update my payment info but there is no option to decline and I can no longer get into the account generally because that is the only page I see. I sent an email requesting they stop doing this but I have not received a response.
Product: Credit reporting or other personal consumer reports

This is the XXXX time I am trying to resolve this issue but TransUnion keeps denying me and is making my life difficult to live. On or about 2024 XXXX I recieved my credit report and still noticed a fraudulent account for XXXX XXXX XXXX on my transunion credit report, the account number is XXXX and the amount is for {$4000.00}, at first they removed it from my report and then put it back on, I need it immediately deleted permanently as this is identity theft and I have attached an FTC report as well supporting that claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$4000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance : {$40000.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXXinancial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.