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

Dear ma'am/sir, Thank you for conducting an investigation into the letters I personally sent off and said letters there were delivered on XX/XX/2022, according to the representative I spoke to on XX/XX/2022. I am genuinely impressed that you were able to talk to the employees of the original creditor and thoroughly conduct an investigation ( report number XXXX ). 

For my own records, to fully understand the completeness and maximum accuracy of the investigation conducted; I am demanding the " AUDIT TRAIL '' and " METHOD OF VALIDATION '' Pursuant to the FCRA, pursuant to 15 U.S. Code 1681a ( e ) ; What documents were sent to the Data Furnisher and e-Oscar? 
Who did you speak to regarding the inaccurate information youre advertising on my consumer credit report? 
If using any form of Metro 2 Compliance, was it run through e-Oscar?

If an Automated Consumer Verification System ( ADVS ) was used, were corresponding documents I sent out included with dispute? 
Who, and what employees were spoken to regarding this inquiry and what steps were followed to be sure everything being furnished onto my consumer credit report were equitable and fair to me? 

Please note, if ADVS and proper documentation was not sent, or if my letters were assigned the wrong number via e-Oscar that does not, nor has it ever been a fair, equitable investigation to ensure maximum accuracy. This is the information I am demanding pursuant to the FCRA. 
Thank you for reading this and I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I have tried through Equifax to fix the incorrect information on my credit report but it has not changed. I will put in a dispute in and get a response back in a day saying that the information is correct when I know it is not and they will remove the incorrect information from my report
Product: Credit card or prepaid card

On XX/XX/2021, i was making a credit card payment at a Bank of America atm, I submitted check # XXXX for XXXX, when asked to confirm the total I accidently punched in {$2100.00} and hit confirm. I notified the charge card company in five minutes and told them that on Monday when they serviced the atm to apply the check for {$490.00} to the credit card and to credit the {$2100.00} back to my XXXX XXXX account, they did this on XXXX correctly however on XXXX XXXX they resubmitted check # XXXX for {$490.00} to XXXX XXXX and got a duplicate payment, when notified they said they had not done that and that i owed the {$2100.00}, which was a number I accidently entered on the atm I never owed that much. I filed a fraud complaint with XXXX XXXX against Bank of America getting a duplicate payment. They got the duplicate payment back, but Bank of America claims they paid my XXXX XXXX account twice for {$2100.00} once on XX/XX/XXXX and on XX/XX/XXXX, they never did the duplicate reimbursement on the XXXX only on the XXXX of XXXX.. I have my bank statements to prove this. On XX/XX/2021 I went to the XXXX XXXX Bank of America hoping they could direct me in correcting the problem I talked with assistant manager XXXX XXXX she took copies of my XXXX  account and sent it to the credit card section, i called collections on XX/XX/2021 and talked with XXXX XXXX he stated he didn't have the copies. I need the {$2100.00} ( {$2100.00} plus late fees and interest ) removed and my credit fixed if it was reported to the credit bureau negatively. This bank has a history of fraudulent dealing with interest and erroneous fees I have closed this account paid off my mortgage with them and I am going to close my banking account with them, crooks for sure no respect for a customer of 12 years who has paid them XXXX in mortgage payments/Interest I think I would listen to that customer, All the reps lie XXXX from XXXX Fl hung up on me I talked to about 15 reps all were rude uneducated working with outdated data and computers. I want this over
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Who it May Concern ; Note : - Equifax ( never responded and has ignored all request ) Sometime ago this year your office received my request for ; my credit report to be cleared from aged debt. Debt that has been there and sold, recycled and put back on my credit report as new, when its been there past the timeframe it should be.A credit reporting company generally can report most negative information for seven years and it has been way past 7 years. 
I then ask that you then provide proof that I have given authorization of an inquiry on my credit. You have not responded to my request and you are in DEFAULT. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding those derogatory items that is listed on my consumer credit report : All good standing credits should remain. 
Immediately remove any derogatory reporting to the credit reporting agencies because you are causing defamation of my character and I will be forced to take legal actions against you. 


PS : Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 


Respectfully XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is Information that is on my consumer report that is a result of identity theft and are in XXXX!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave ANY consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681c-2 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 within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to update my email address. But the TransUnion website instructions stated it can be easily change by going to my profile, but it didn't work. It does not allow for change/update. The button is greyed out even though I was able to type in my new email address. 

Furthermore, I called yesterday and was left on hold for over 45+ minutes with no one answering.

Then I tried to use their website instruction on the " Chat '' service by click the button at the lower right-hand corner ... ..well there was no button there. 

So I resorted using the XXXX XXXX hoping that someone can help. The chat stated I was connected to " XXXX ''. I stated my issues and asked if " are you there ''. And after 20+ minutes, there was no response. 

What does it take to change a simple email address with TransUnion? 

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

I have been sending out disputes to each one of the credit bureaus : XXXX, XXXX, and Experian since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten my credit report an it has many incorrect items on it. I have contacted the credit reporting agency and requested that it validated and they should send me the information on how it was validated. They have constantly ignored my request and have yet to send me any information I asked for.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment arrangement with Home Depot credit card services to pay {$150.00} a month through Citi Cards. I told the representative that I could not make the first payment until XX/XX/XXXX. I was told by the customer service representative that there would be no late charges and no interest as long as I made my payments each month. I received a letter dated XX/XX/XXXX confirming the agreement. 

I made the monthly payments beginning XX/XX/XXXX as agreed. I continued to make payments each month for the agreed amount. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that I had missed XXXX or more payments. I contacted Citibank on XX/XX/XXXX to dispute the letter. I made four phone calls trying to resolve the matter. I was told by each representative that they showed no notes of a payment arrangement even though I referred to the letter confirming the arrangement and pointed out that all interest charges had ceased as agreed. 

I attempted to make a payment on XX/XX/XXXX to honor the agreement but was unable to make a payment. I contacted Citi Cards on XX/XX/XXXX and spoke with a representative to no avail. I requested a supervisor to resolve the issues. I was told by the representative that unless I explained why I need to speak with a supervisor she would not be able to transfer my call. I also attempted to speak with a supervisor on the previous call and was placed on hold for more than an hour. I was told that the account had been charged off on XX/XX/XXXX and reported to the credit reporting agencies. 

I did not default on the payment arrangement and now there is a charge off on my credit report and also Citi Card continued to report my account as being more than 30 days delinquent despite the payment agreement.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Consumer Portfolio Services Inc. calls me more than 3 times in a day. Even after payment has been confirmed to be sent and speaking to representative of next following payment. Had caught up with my payments before this pandemic and had days off work because of XXXX XXXX XXXX. Doctor diagnose me with XXXX virus and I did notify this company, but was told they could not make in arrangements or extension for me. Consumer Portfolio Services Inc continued with harassment calls while I was trying to get better. All I could state is my plan was to do overtime as soon as I could get better. This company has called family member share information of my account with her by cellphone and calling her job on a recorded line regarding information regarding my account. Placing another party job in jeopardy that is not the account holder. Family member number is registered with the DNC registry and has asked this company to stop calling her and they continued to call from XXXX and XXXX. This company states that they are documenting the account, but continual to pursue bad practices.
Product: Checking or savings account

On XX/XX/2020, I opened a checking account and deposited a {$300.00} check drawn off of XXXX XXXX. I was told that a 1 business day hold would be placed on the check and {$200.00} would be released and the other {$100.00} would be held for an additional day. I expressed that I need access to those funds and I could easily cash the check if the hold was going to be longer. I was assured by branch personnel that the hold would not be long. At approximately XXXX XXXX  after business hours, I received a hold notification stating my check would not be released until XX/XX/2020. I called the branch the next morning XX/XX/2020, and was informed that the hold was placed because the check could not be verified. I advised the branch that the bank was a small community bank in XXXX and they could verify the funds verbally. I was told that Bank of America does not verify funds verbally. However, the branch manager stated that she would look into this situation and get back with me ASAP. Additionally, I expressed to the branch that I detrimentally relied on the information and had I known there would be an extended hold I would have just went to XXXX XXXX  and cashed the check. On XX/XX/2020, I called Bank of America 's customer service and spoke to several members. I was told by a manager of customer service, XXXX, that there was nothing that could be done regarding the hold. The hold would still be on the account and that the check could not be returned to me because it was already processed. Also, I was told that the check would not be released earlier. The manager advised me that even though I was told the check would be released after 1 business day, I should've know the check was going to be held longer because that information was stated in the 70 page disclosure handout given to me when i opened the account. In this instance I feel that Bank of America 's banking practices are deceptive and misleading and the information regarding my check violated Texas consumer laws. As stated earlier, I relied on the information the branch provided to my detriment and suffered dearly.
Product: Debt collection

I am a former employer for an alleged debtor. This person has not worked for our company in over a year. Direct Recovery Services ( ( XXXX ) XXXX ) has left multiple messages for me, including one with his name, alleged debt amount, and settlement options.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

super rude, they charge me 5 times the payment that I had to pay and dont want to give me my money back, they told me that its my fault and they cant do anything about it. 

XXXX XXXX XXXX told me to go XXXX  my self and then hung up
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  's actions maXXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have a Regions Bank CC, but I had not used it in over a year until a recent charge. When I was actively using the card, I always received an email notification of a pending bill/statement ready for review. I often received a bill via US Mail as well. I did not sign up for 'paperless ' service ; but the company stopped sending me bills. They continue to send me promotional items regularly, however, and I have received several letters from them in the US Mail AND in emails this year. 

Recently, I was surprised to receive an email informing me that I had missed a payment that resulted from a newspaper subscription renewal, which I originally signed up for in XXXX XXXX ( my last 'intentional charge ' on the card ). Prior to receiving the notice that my bill was past due and that the amount due now included a {$25.00} late fee, I did not receive any email or other notification that a bill was pending. Upon learning of the charges, I immediately paid the full amount of the subscription service ( {$54.00} ) and then requested that - in light of the Bank 's failure to notify me of a bill, as well as the nature of the charge - the Bank removed the late penalty. So far, the Bank has refused. 

I sent my request via the Bank 's internal 'secure email system ', although difficulties with the system have been a great impediment to communicating with the Bank XXXX In a 'regular email ' ( sent thru my XXXX address ) to me on XXXX XXXX, the Bank acknowledged problems with the system, writing " Our programmers are working to fix the problem. We do not have a set date for these updates. Im sorry for any inconvenience this issue may cause you in the meantime. '' In the same email, the Bank wrote that " Security is very important to Regions. That is why we can not provide any account sensitive information through normal email. We can not vouch for the security of individual email providers. '' Further, in another email, the Bank wrote that they " can only refund late fees if the Bank is in error ''. 

I have explained to the Bank the error that was made on their part, and expressed my disappointment in their refusal to remove the late fee, as well as their dishonesty regarding their ability to remove the fee ( ie they obviously CAN, but are CHOOSING not to ). The bank has not responded to my email in any substantive way except to say that there is a 'message waiting for me in their notification center '. I am not inclined to spend anymore time searching for this on a website that doesn't work properly, I can see that the {$25.00} fee remains. This is the sum of my balance, and - for obvious reasons - I now wish to close the account and cease doing business with the Bank. 

Thank you for your assistance in helping me to close this account and settle this matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX