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

Dear CFPB, I am writing to urgently follow up on my previous complaint regarding Experians failure to provide proof of account validation and their subsequent update of inaccurate information on my credit report. Despite my formal request for verification, Experian has not furnished the necessary documentation, instead merely indicating that the disputed accounts were updated or validated without substantive evidence via report # XXXX. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Experians actions appear to contravene the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct reasonable investigations into consumer disputes and provide consumers with the results, including the method of verification. Specifically, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that, upon completion of a reinvestigation, the consumer reporting agency must provide a notice that includes a description of the procedure used to determine the accuracy and completeness of the information. XXXX failure to provide this information hinders my ability to assess the validity of the data on my credit report. 

Recent Legal Precedent : Notably, on XX/XX/year>, the CFPB filed a lawsuit against Experian for similar violations, alleging that the company failed to properly conduct reinvestigations of disputed information and neglected to delete inaccurate, incomplete, or unverified information from consumer credit files. The CFPBs complaint highlights that Experians inadequate handling of consumer disputes is a systemic issue that undermines the accuracy of credit reporting. 


Request for XXXX XXXX : In light of these developments, I respectfully request the CFPB to : XXXX. Investigate XXXX Non-Compliance : Examine Experians failure to provide the required proof of validation and their practice of updating disputed information without proper verification.

2. Enforce Corrective Measures : Mandate that Experian supply the specific documentation used to validate the disputed accounts or, if unable to do so, remove the inaccurate information from my credit report. 

XXXX. Prevent Future Violations : Implement oversight to ensure Experian adheres to FCRA requirements, thereby protecting consumers from similar issues moving forward. 

The integrity of credit reporting is crucial for consumers financial well-being. Experians disregard for FCRA obligations not only affects individual consumers like myself but also undermines the broader financial systems reliability. I urge the CFPB to take decisive action to address and rectify these violations. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

XXXX XXXX
Product: Payday loan

On XXXX XXXX, 2016 I applied and received a payday loan from Ace Cash Express ( # XXXX - XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) in the amount of {$1400.00}. On XXXX XXXX, 2016, I realized that I missed my due date ( XXXX XXXX, 2016 ) which coincides with my payday. I called early in the morning from work on XXXX XXXX to let them know I would be stopping by after work. On XXXX XXXX, XXXX, I renewed the loan amount of {$1400.00} by paying the fees and interest in the amount of {$290.00}. Upon leaving, I assumed my due date would be on my next payday ( XXXX XXXX, 2016 ) as I had been accustomed to. Although I did receive a copy of an agreement for the loan ( which is not an original copy of the signed agreement since the originals bear my signature and the copies they gave me do not ) the information/details were not communicated verbally. On around XXXX XXXX, 2016 I went to the store and spoke to XXXX that I had found my agreement of XXXX XXXX, 2016 and pointed out that the due date was not until XXXX XXXX, 2016. She was unable to help and stated she would let the manager know. I spoke to the store manager XXXX several times and she stated she " could n't do anything '' about it. She suggested that I try their customer service number. I called customer service twice, on XXXX XXXX at XXXX and on XXXX XXXX at XXXX ( reference # XXXX ). Both times I was told that this would be escalated to the DM and RVP and that they would be contacting me within 24-48 hours. I was not contacted within the time I was told nor by the DM or RVP. The only person to contact me was the store manager XXXX stating that the DM had said they called me several times and that basically they could n't do anything about it. On XXXX XXXX, 2016, I went in to make the full payment, but XXXX asked if I could wait until XXXX XXXX to see if I would get a phone call from the DM. On XXXX XXXX I went and made the full payment. Later that afternoon when I was on a third call with customer service, the DM XXXX calls me. We spoke for 23 minutes. After explaining and expressing my concern, he seemed to understand and agree that it was unfair that I ended up paying double the fees and interest on the same loan within the same period of time. He said he could not promise anything but regardless of the answer he would call me on Tuesday, XXXX XXXX, 2016. I called XXXX on Tuesday at XXXX and left him a message reminding him that he stated that he would call. XXXX did not call. The main issue is that within the period of XXXX XXXX, 2016 - XXXX XXXX, 2016 I ended up paying twice the fees and interest on the same loan when I should have been allowed to NOT renew the agreement on XXXX XXXX, 2016. Instead it was deceitfully extended and the company ended up double dipping into the fees for the same time period. The manager XXXX clearly stated that it was a business process to tell and verify with the customer the due date more specifically if they were early. XXXX even agreed that it did n't make since that I would have extended the loan 3 weeks early.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card or prepaid card

My account has been set up on auto pay for years. All of a sudden, I log in and the account is overdue. When I reached out to Capital One they said that they did not try to send me an alert because my email was old. WHAT??!! So instead of picking up the phone and calling, they did nothing - except charge me an overage fee on XX/XX/XXXX and XX/XX/XXXX. {$39.00} and {$25.00} respectively Good luck getting ahold of these people. For reasons unknown they actually dont have an email function ( yes, in 2018, no secure email ) or a chat function and they try to dump you in 1-800 XXXX. After spending 20 minutes trying to find a way to get ahold of them I messaged them on Facebook ( so sad that anyone should have to resort to that ) and they sent me a link for a chat. 

The representative was very unhelpful ( conversation is attached ) and transfered me to an equally unhelpful, unapologetic manager.  When I voiced my concerns about the damage to my credit report his response was that the account has been late 14 times since it was opened. Are you serious? It was opened when I was in college over a decade + ago, so yes, since then I have cleaned up my credit. How is that an approrpiate response to the problem that we have at hand today? NOW my credit score is over XXXX because I have made sure everything is paid on time. Or it was before Capital One messed it up. 

They did update my email so they can now email me if a payment is overdue ( which I had no idea they were unable to do - my email never changed or bounced anything back ) and they did not pick up the phone to call me to alert me to this payment being due. If the alert system did not work ( which they admit ) it seems reasonable that the auto pay system might have glitched too and this has now damaged my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX XXXX  account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation. 
Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
2. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
3. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account
Product: Debt collection

I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus XXXX, EQUIFAX, AND XXXX, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......
Product: Checking or savings account

I had a business account with them for over 25 years and I wanted my account setup if the money was not in bank not to overdraft my account
Product: Credit reporting or other personal consumer reports

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to Equifax. 
Equifax takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 
Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov - A U.S. Postal Inspection Service Report I sent in a valid identity theft report that was filed online with the FTC. You sent me back a generic response saying the accounts were verified and another saying the information above that the complaint was official. This is my third and final attempt and submitting this official electronic identity theft report. This time Ive included screenshots from the official government site, as well as the corresponding emails that Ive received after submission of the complaints.

This CFPB complaint has been led to request according to FCRA 605B ( 15 USC 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account listed as XXXX XXXX Account # XXXX & XXXX XXXX XXXX Account # XXXX incorrectly. They are reporting the account as charged off when thats not correct. Each consumer agency stated they verified the information but provided no proof that they did verify it : since we could not come to terms with this information I initiated arbitration and this is notice they the filing fee needs to be paid and turn over any evidence that proves that this account is indeed charged off and a collection. I know it can not since the negotiable instrument used during this transaction is a security being traded in the primary and secondary markets. Furthermore the bank never loans money but processes securities. The consumer agency is also in cohorts with the creditors because they sell consumer information for a profit and by their own SEC filings it states the report are securitized this is why they refuse to remove the information even though they know its incorrect because I can not have a collection for an account that is also raising capital.
Product: Credit card or prepaid card

A few months ago I discovered that Kohl's/Capital One was reporting an account in error on my credit report. I disputed the account with all three credit bureaus, but it came back " verified '' on all three. On XXXX XXXX, 2017 I sent the attached detailed letter to Kohl's/Capital One, but they never responded and are still reporting the erroneous information. I have read where many other consumers have had the same exact problem with Kohl's/Capital One.
Product: Checking or savings account

On Tuesday XX/XX/2023, out of nowhere my account was blocked and I was unable to login or check any of my account information. I was then told by a customer representative that I would have to wait until the next morning for them to fix the issue with my account and the security will unblock it and I will be able to continue using my card and account like normal. Then XX/XX/2023 I called the customer service line again at XXXX within business hours and after getting ahold of a representative and specialist they said they were able to unlock my account and I would be able to use it in about XXXX minutes. I waited 30 minutes to try to login again, but still my account was block. I waited another 30 but even after I was still unable to access my card. After the attempts to use my account had failed, another call was made to customer service. They had told me everything was clear and fine on their end and there should be no issue with my account. After waiting 2 hours I attempted again, and still to no avail, nothing had changed. Because of the continuing issue I decided to go to the CitiBank branch in person to see if I could receive any help there. Once a bank teller was able to see me and try to access my account from their end, they had told me my account was still completely blocked and CitiBank was in the process of closing my account which I had made less than a week before. Not only was all my money locked in the account, but this card was my only source of income holding. As not only my work checks but bills all go through that account. The bank teller and I had called customer service again but gave us the same answer and had said there was nothing wrong with my account and that they didn't close it. The representative kept insisting on nothing was wrong, even though the bank teller kept telling them that I was blocked and nothing was changing. After 45 minutes of waiting for an answer from a specialist, the response given was, '' We can not access your account, call this new number. '' Now at the moment I have to call again in the morning, but the main issue is that not only was this account my only source of all my income in one place, as well as them closing my account with no notice or any call. Nothing had been communicated to me and they gave me false answers consistently for the past couple of days. It truly is not only upsetting but truly stressful and aggravating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : Two inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Citizens Bank XXXX XXXX XXXX XXXX  XXXX NY advertised a bonus for offering a credit card. When I went to apply for the card, I filled out the necessary forms. When I was denied the credit card, I learned that I must unfreeze my credit reports .... which I did for 7 days. However, Citizens Bank insisted that I must unfreeze for 30 days. I don't understand why 7 days isn't enough time for Citizens Bank to learn about my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX XXXX {$5200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my credit score and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now : XXXX XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.