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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : XXXX XXXX A XXXX late payment inaccurately reported for XXXX. 
Experian : A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ).

Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date. 
Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting.

Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action.

Enclosures Copy of credit report with highlighted inaccuracies.

Payment records proving timely payments.

Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail Equifax, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous complaints I submitted with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX ACCT XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I would like to place a formal complaint against Citadel Servicing Cororation, the financial company with whom I have the mortgage of my house.I have noiced that during the past 2 months they are transferring their operations from XXXX XXXX XXXX CA ) to XXXX ( G ). This process has been a disaster because of their lack of transparecy to their customers, incompetency, chronic chaos and disarray in this company. I had to spend {$44.00} XXXX {$15.00} fee & {$29.00} USPS-Overnight Delivery ) because of their threath of reporting to Credit Bureaus, thus damaging my hard earned credit history.. 

I have had various prblems with them virtually from the onset XXXX XX/XX/2018 ). I do hope that you would be in a position of helping me to deal with this company. 

Best regards, XXXX, XXXX XXXX XXXX am open to discuss the dtail with you anytime you choose as I refrained from using vital account numbers, etc ...
Product: Credit card or prepaid card

First, I asked American Express to close three of my then 4 credit card accounts due to a separate dispute I had with them concerning a simple way to allow my girlfriend who is an authorized user on my account to take advance of the AMEX offers. Notwithstanding, after irritating me beyond reason, they closed 2 accounts correctly and then screwed up and closed my XXXX XXXX Preferred card # XXXX, and did not close my Hilton Honors card # XXXX. So after several phone calls the XXXX   finally closed the correct card Hilton Honors card but not before they made me go through all kinds of hoops to reopen the XXXX XXXX  Preferred card which was closed due to their negligence 100 %.

The problem now is my Hilton Honors card had a credit balance on it for {$280.00} which was supposed to go to my XXXX XXXX Preferred card which it has not. The customer service XXXX said it was supposed to credit within a few days and that was on XX/XX/2010. It has not posted yet as of XX/XX/XXXX which is the date of this complaint. 

Solution : I would like my credit to posted immediately for the {$280.00} they owe me and to be compensated an additional {$200.00} for my time, aggravation and stress they have caused. Otherwise, I will never use any of their cards again and proceed to expose online and throughout social media my story and opinion of the new sub normal American Express and how they treat and long time good paying customers. To this date I don't believe I have ever missed a payment in over 20 years and probably charged in excess of {$200000.00} during that time period. This is how they show appreciation? XXXX them. 

Thank you for your time and consideration with this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted The XXXX XXXX about getting my annual consumer disclosure via US Postal Mail XXXX 

I identified myself with a copy of my US Passport and electric bill ( with current mailing address ). 

The Work Number/TALX claims I did not proof of address and/or it was illegible. 

This is baloney. 

Enclosed is a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you
Product: Checking or savings account

Today XX/XX/2023 I communicated with a self owned company about doing the decor and organizing my sons birthday party this weekend. She advised of the total cost for the service and provided me the phone number to send her the money. I used cash app to send the money {$140.00} and once completed I sent her a screenshot of the payment showing completed. She advised me she had not received the money. I looked in to my cash app and realized the number was on digit off and had sent to the wrong person and immeditely requested a refund through the app and reached out to support via chat. The support rep advised that the only solution was for me to request a refund from the person. I had already done that. I used the number that the money was sent to in error and did a search on XXXX with the number and it was linked to a woman so I messaged her and explained that the payment was sent in error. She advised she tried to refund the money but it was not allowing her to. She sent me a screenshot that she had reached out to cash app support to request assistance with providing me a refund and asked me to call cash app which i did. The rep on the phone told me that there was nothing they could do. I advised the rep that the person that mistakenly received the money had reached out to cash app for assistance with the refund and that in itself should be enough for them to issue a refund or reverse the payment. She told me she could not. The other person even advised that no bank account is linked to her cash app so the funds have not been taken out of her cash app account and should be able to be refunded. I am now out {$140.00} and have no way to pay for services for my XXXX XXXX XXXX party. I will never use cash app for this reason ever again. Because the transaction has not posted i would think it should be easy or that something can be done on their end to refund the money especially since the other person reached out and requested assitance in refunding me the money. I made cash app aware of this issue within 5 minutes of it happening.
Product: Prepaid card

I received a {$75.00} American Express prepaid gift card from my employer as a holiday bonus. After making sure it was active and checking the balance, I tried using the card on many different online sites, as well as in person at multiple places. After it continually was declined, I contacted American Express, who told me to just use the card at different merchants and that their security measures are increased and that " may be why it was declined. '' None of this feedback was helpful. I looked online at user discussion posts to see where other people have used these gift cards and many others seem to also be struggling to find anywhere where the credit is useful. I had this same issue last year with the same type of gift card from the same employer.
Product: Credit card

On XX/XX/2023, I purchased 2 one-way flight tickets to depart on XX/XX/XXXX from XXXX XXXX . On XX/XX/XXXX, XXXX XXXX canceled the flight and re-booked the flight for the day after, XX/XX/XXXX. I contacted XXXX XXXX multiple times requesting a refund and they refused each time, and stopped replying to me. 

I contacted Chase Sapphire Reserve customer service on XX/XX/XXXX to file a dispute, but the representative recorded inaccurate information on my claim which led to the dispute being deined. He stated that XXXX XXXX has a policy to refund customers, which is not true. 

According to the US Department of Transportation, consumers are entitled to a refund if the airline significantly delays a flight : " Schedule Change/Significant Delay - A consumer is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the consumer chooses not to travel. '' I called Chase Sapphire Reserve customer service again on XX/XX/XXXX and was notified that my original claim was closed due to the previous agent 's inaccurate notes. 

Chase Claim # XXXX XXXX XXXX
Product: Debt collection

debt collector frequent contact of relatives in different cities/towns where I live. 
debt collector makes veiled threats about prosecution
Product: Checking or savings account

On XX/XX/year> I arrived at XXXX XXXX place in XXXX, Massachusetts for union conference. When I arrived there I was told I had to put a credit card for incidental fees which was around {$400.00}. I was resistant but I gave it to them. At that time I was told I had another charge because of a no-show day before. I told him that can not be because I never said I was going to stay at their hotel on Saturday and had no knowledge. In fact, I stayed at another hotel that day and have proof and that I was not going to pay for that fee and was adamant about that. The person did not charge me for the fee and instead charging for the incidental which I got returned to me. Around a month later I looked at my bank statement and I was charged for that fee. I asked why I was charged to that fee. They told me because it was a no-show feat. I told him I never made a reservation or said I was going to stay at their hotel Saturday which they replied XXXX did who was in charge of booking hotel for our Union Branch that we're going to this national trip. I told them XXXX had no permission to use my card, and I didn't even know she booked the hotel for me that night. it was a back and forth with the hotel and eventually they admit it via email that it was between XXXX and a hotel and my card shouldn't have been involved. I called my bank and they issued me a credit while they were investigating this. A month later XX/XX/XXXX I see I got charged again and that the bank decided to rule in favor of the hotel even though I provided proof somebody else told the company to use my card who had no authorization to use my card and that another person made the bookings that wasn't me. Chase refused to take my evidence into consideration and instead told me I had to go though XXXX and/or the hotel. XXXX told me she never told the hotel to change the reservation. I talked to the hotel and they were issuing me a refund 3 to 5 days, but my account is negative now and chase refused to issue me a credit because according to them the hotel provided " proof '' that I booked the room. The hotel changed the actual reservation I never called to make a reservation to that hotel.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft these accounts need to be removed from my reports this error is affecting my life tremendously
Product: Payday loan

I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.
Product: Money transfer, virtual currency, or money service

Before Zelle had any disclosures I was not warned that I would not be able to receive my funds back prior too sending
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15U.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 INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Product: Credit reporting or other personal consumer reports

I sent a complaint on XX/XX/year>. The complaint was about inconsistencies and other inaccurate information on my credit report. 

The reinvestigation for the account came back as verified, but still had inconsistencies and other inaccurate information. According to 15 usc 1681 i 5, after any reinvestigation, if any information is still found to be inaccurate or incomplete the reporting agency shall delete the information from the file.

I would also like to know how the reinvestigation was handled according to 15 usc 1681 i 7, I am allowed to know how the investigation was conducted.

I think a fair resolution to this complaint is For the deletion of this account. 

15 usc 1681 i 5 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 usc 1681 i 7 ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( XXXX ) by not later than XXXX days after receiving a request from the consumer for that description.
Product: Debt collection

XX/XX/2020 I obtain copies of my credit report. I noticed LVNV Funding, LLC were listed as a collection on my credit report. I sent a certified verification letter to the company to verify the debt. I haven't received any correspondence from the company verify the debt that owed.
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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, and 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 for these violations.