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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

In XX/XX/2022, I accepted a XXXX XXXX Interest for 12 months Balance Transfer offer from Capital One. I paid for the privilege ( a XXXX XXXX  fee of {$120.00} ) for a {$6000.00} balance transfer. I have paid $ XXXX {$1000.00} extra on my bill each month in order to pay it off in the 12 months allotted. 

As I am eight months in, I sought to decipher exactly where I am on that payment. I have paid {$4500.00} beyond my monthly bill in this timeframe, meaning my remaining balance should be {$1500.00}. Therefore I find this line on my current statement quite disconcerting : " PROMO PURCHASE N GRACE : {$4200.00}. '' Where did THAT number come from? 

I logged in to my account online, and ( save for the forensic accounting of my statements ) can find absolutely nowhere any information about this Balance Transfer Promo and remaining balance thereof. 

So I called XXXX and spoke with a very nice customer service agent about this omission. We also discussed the fact that NOWHERE on my monthly statements shows anything about the diminution of said Balance Transfer balance. When asked whether I can make a payment targeted specifically at the remaining promo balance, the answer is NO. 

Personally, I am savvy enough that this Balance Transfer will be cleared well in advance of 12 months time, and any attempt by Capital One to apply the ( currently ) XXXX XXXX Cash Advance fee to my account will promptly land them in court. 

But why the obfuscation? Could it be that XXXX WANTS customers who take them up on the offer to forget all about that deal? And thereby incur that Cash Advance interest rate retroactive to the date of Balance Transfer? OF COURSE THEY DO! 

How is this not XXXX? How is this not Illegal? Banking XXXX, perhaps?
Product: Credit card or prepaid card

I recently applied for and received a Capital One Quicksilver MasterCard with a 0 % promotion rate for the first 15 months. My goal was to get a card that had a 0 % balance transfer rate so I could transfer a balance from another card and pay off the balance over time. In the materials for this card, it was stated that a balance could be transferred with {$0.00} fee at " the balance transfer rate ''. I've had credit cards for over 30 years and had never heard of a " balance transfer rate ''. People transfer balances to a card with 0 % interest for a fixed amount of time to pay it off and save interest. Happens every day. So I assumed the rate for the balance transfer would be at the 0 % promotional rate, since this is BY FAR the most common occurrence. 

In this case, the " balance transfer rate '' is the same as the regular rate for the card, 21.49 % ( what would take effect when the 0 % promotion ran out ). When I called Capital One to transfer the balance, I found out about the " balance transfer rate '' definition, and what my options were. There are NO other options. None. Take it or leave it. I asked to talk to a supervisor and got the same answer. There was NOTHING they can do to get me ANY type of 0 % balance transfer rate, even if I agree to pay a standard 3-5 % balance transfer fee ( which I was perfectly fine with once I realized the confusion with the language ). Their answer did not change. 

Honestly, what benefit is it to the consumer to transfer a balance to a card at the regular interest rate? Perhaps it would make sense if you had a much higher rate on the previous card, but even then it would make more sense to transfer the amount to a card with the 0 % balance transfer promotional rate. The idea and product are nonsensical. The fact that they bury this critical detail in semantics and hide it in the fine print to blur the interpretation for the policy, only then to offer no remedies of any kind, obscures the view for the consumer to the point that they are getting a VERY different product than they thought. These are deceptive and predatory lending practices and Capital One should be punished to the fullest extent possible. 

When I called Capital One to transfer the balance, I found out about the " balance transfer rate '' definition, and what my options were. There are NO other options. None. Take it or leave it. I asked to talk to a supervisor and got the same answer. There was NOTHING they can do to get me ANY type of 0 % balance transfer rate, even if I agree to pay a standard 3-5 % balance transfer fee ( which I was perfectly fine with once I realized the confusion with the language ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX to XX/XX/XXXX I was hospitalized 8 times and had XXXX surgeries, I ask that the delay in responding to the complaint be forgiven. XX/XX/XXXX i submitted a complaint against Experian and XXXX i had originally disputed inaccurate, unverifiable and unfair information reported on my public record as per FCRA section 611 ( a ) ( 1 ) ( A ). XXXX XXXX sent a letter indicating my public record file could not be verified therefore it was deleted from their data system. I submited a dispute with the credit agencies for removal of the unverifiable information. XXXX deleted the information as requested. It still remains on my report with experian and XXXX. They claimed to have verified the information on my report as accurate? I contacted the XXXX Bankruptcy Court,. I asked them about their reporting of information to the credit agencies. THEY DONT REPORT TO CREDIT AGENCIES!!!! THEY WONT. Experian never contacted the XXXX Bankruptcy court to verify my information as accurate? a XXXX party verifier or " public records vendor '' buys automated information, its obtained through computer systems like E-Oscar and PACE. Computers make mistakes. For Experian to claimed my account is verified as accurate is False and a violation of the FCRA. they did not verify through the courts. XXXX XXXX right on their website they used 3rd party database XXXX XXXX to obtain public record data and verify public record information. On my XXXX credit report under all the information there is a spot to say when the records were verified? Its blank? I will attach screen shot if allowed. In the letter dated XX/XX/XXXX from XXXX XXXX they deleted my public records file from their system this should include anything said to be verified or unverified. If XX/XX/XXXX my file was deleted, how can it be verified as accurate XX/XX/XXXX? Any false verification, inaccurate, unverifiable or unfair item as per FCRA section 611 ( a ) ( 1 ) ( A ), i am requesting be deleted off my public record portion of my credit report. Any methods of verification that are obtained through computer systems or computer generated database such as E-Oscar or PACE is unacceptable, inaccurate, incomplete, and represents a very serious error in their reporting. I will request it be deleted from my credit report
Product: Checking or savings account

On XX/XX/18 I had {$21.00} in my account after my {$10.00} and {$7.00} transactions cleared I had {$3.00}. I then had a payment for {$82.00} come out of my account. this should have put me negative {$78.00} however regions changed the timeline of the transactions to make it so that I would over drawn multiple times and receive multiple fee 's. they made the {$82.00} transaction come out first even though it was the last transaction made that day resulting in me receiving over {$100.00} in overdraft fee 's. I am a XXXX XXXX with medical issues and feel completely taken advantage of. this is literally making it so I can not get my children groceries. when I asked regions for information on how to submit a complaint I was told I would be transferred to the department however was transferred back into the automated voice system. I want the fee 's refunded asap.
Product: Debt collection

This person named XXXX from XXXX called in XXXX and at the time I was out of a job. Now I have a job thankfully and I'm trying to catch up on everything. This person calls me today while i'm at work, threating me telling me he is going to get off the phone with me and contact his client and tell them I won't cooperate and they can go ahead and push penalties on me. I asked him to email me the information about the debt, he said he isn't able to do that. He wanted me to hand over my debit card number and set up a date to collect. I don't feel comfortable about handing my card number out to anyone, especially when I don't have proof they are not a scammer. 
I told him I could not talk, because I was at work and I didn't want to loose my job. He kept telling me that I better call him back or he was going to contact his client. 
I asked him to email me a site or something that shows the debt and how to start paying it off and I would like to see a payment schedule. He said he doesn't have that he just needs to put my card in the system and charge it for what ever day I get paid. 
I didn't even catch the name of the company he is working with. 
He told me I better call him back after I get off work, I asked him for the number to call him back, he said I already gave it to you before. VERY RUDE! I told him I didn't appreciate him threating me. 
I listed the phone number he called me from above.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX balance {$2800.00}, XXXX XXXX balance {$250.00}, XXXX XXXX XXXX balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter that has come to my attention regarding multiple 30 days late payments that have been reported for my account. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight.

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #,  and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

credence resource management constantly calls me about a debt that ive already asked them to validate the debt. they have not sent me any information about the debt. plus i also asked them to cease and desist from contacting me. all of this to no avail. these tactis is a clear violation of my rights under FDCRA.
Product: Credit reporting

Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card
Product: Credit reporting or other personal consumer reports

Phillips and Cohen associate, Ltd. 
i have requested debt validation from said company and i have yet to receive proper document to validate this alleged debt as provided by law.
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report and found several items on there to be inaccurate. 

I am writing to formally request that Experian block and delete any fraudulent information from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) ( Fair Credit Reporting Act ).

I have recently been a victim of a data breach, and as a result, I believe my personal information has been compromised, leading to potential inaccuracies or fraudulent activity on my credit report.

Under 15 U.S.C. 1681c-2 ( a ), I am entitled to have any information resulting from identity theft blocked from my credit file. This includes any accounts, inquiries, or other information that I did not authorize or that resulted from fraudulent activity. 

Lets be sure to remove the following items from my credit report, 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
Product: Debt collection

I paid a synchrony Bank Card off ( dicks sporting goods Master Card ) after paying I continued to receive emails wanting a payment. I ended up paying three payments instead of them taking the first payment. Now after several attemtps, and cancelling the card. I have to wait five weeks to get a paper check for THEIR mistake. I am certain this bank has Violated the FCRP rules of debt collection. DO NOT APPLY for a DICKS sporting Goods card. ITS a scam.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX  I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX  I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have been a victim of identity theft and the accounts listed below are fraudulent, I have faxed and mailed documents to all 3 Credit bureaus seeking remedy per the FCRA but have yet to get any help so I am hoping the CFPB can help me in this case. Please remove these accounts immediately. 

Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit card or prepaid card

XXXX / XXXX /  XXXX    XXXX  charges on my Bank of America Credit Card : {$89.00} charge from   XXXX   XXXX    {$89.00} charge from    XXXX   Disputed charges to Bank of America  They    took the side of the consumers Been fighting this with the Bank for well over 1 year submitting tons of information Bank turned me over to a  Bill Collection Agency    I turned to  XXXX   XXXX , Attorney General, Ohio His Department was able to get total refunds for me from both companies I have sent this money to the Collection Agency.     Have reported this to the Bank. They still have {$230.00} of late charges, bank fees that they will not take off by telling the  Bill Collection Agency  that I no longer owe these charges. My card has been closed since  XXXX / XXXX /  XXXX   but they continued late charges.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry on my credit report that I didn't applied to. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX Current Employer : XXXX XXXX & XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

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

Sincerely, XXXX XXXX XXXX