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

I was involved in the well-documented Equifax data breach. I am unsure why Equifax has a problem with me, but they continually treat me badly. They are removing GOOD accounts that were paid in full ( XXXX XXXX ) and refuse to allow me to dispute account information online, or over the phone. 

I have been locked out of My Equifax. I have been berated by their overseas representatives. And I am still yet to be shown their MOV ( method of verification ) of ANY dispute that I have requested. 

I recently sent them a formal dispute regarding the completeness of listed information. Under FCRA 609, I have  the right to request verification of ALL records pertaining to accounts on my report ; if said accounts are not verifiable, they are to be removed. I sent that Certified Mail, which was sent on XX/XX/XXXX ( USPS Tracking #  XXXX ) Over the years, I have dealt with many, many issues beyond the data breach with Equifax. More than any consumer should have to deal with. 

I fully expect a thorough and fair verification of the following accounts ( this does NOT mean using E-Oscar to exchange records ) : | | XXXX XXXX - XXXX agreed to remove per phone call on XX/XX/XXXX. 
Reported : XX/XX/XXXX {$10000.00} | XXXX XXXX XXXX XXXX - belongs to someone with same or similar name Reported : XX/XX/XXXX {$3400.00} | XXXX XX/XX/XXXX- never paid late. Should show a {$0.00} balance, pays as agreed Reported : XX/XX/XXXX {$200.00} | XXXX  / XXXX  - belongs to someone with same or similar name Reported : XX/XX/XXXX {$880.00} | XXXX XXXX - belongs to someone with same or similar name Reported : XX/XX/XXXX {$890.00} | XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$2500.00} | XXXX XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$5100.00} | XXXX/XXXX   - belongs to someone with same or similar name Reported : XX/XX/XXXX {$1500.00} | XXXX XXXX XXXX - too old to be on report ( should have been removed in late-XXXX  ; Date of first delinquency, and subsequent late payments, started in early-XXXX ) Reported : XX/XX/XXXX {$0.00} | XXXXXXXX XXXX XXXX - too old to be on credit report ( should have been removed in XXXX ) Reported : XXXXXX/XX/XXXX | XXXX XXXX - XXXX - I terminated service and do not owe a bill. Verify ALL data points. 
Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name Closed on XX/XX/XXXX | XXXX XXXX XXXX - belongs to someone with same or similar name {$1500.00} Needs attention These accounts need to be RESTORED : XXXX XXXX Closed on XX/XX/XXXX - pays as agreed XXXX XXXX Closed on XX/XX/XXXX - pays as agreed These inquiries need to be removed ( all belong to someone with same or similar name ) : XXXX Inquiry from XX/XX/XXXX - XXXX XXXX, Tire Dealers XXXX  Inquiry from XX/XX/XXXX Jewelers XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX/lXXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX , XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX
Product: Debt collection

Jefferson capitol sus does not belong to me and they will not take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 card XXXX XXXX I DO NOT KNOW ANY OF THESE COMPANIES I HAVENT DONE BUSIINESS WITH THEM I MIGHT HAVE BEEN A VICTIM OF IDENTITY THEFT ...
Product: Debt collection

I have been sending letter to Wells Fargo now since XX/XX/XXXX trying to validate this debt they claim I owe. Since than we have written each other more than one letter to each other and in all this time I have yet to receive any validation for this debt that has hurt me deeply. Since they can not seem to validate this debt I am demanding they remove it from there files so it no longer causes any further damage.
Product: Credit reporting or other personal consumer reports

Hard Inquires on XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccesary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the fraudulent accounts immediately. Please remove the following : XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX. account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX '' account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 
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.

TRANSUNION 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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

best buy is reporting incorrect info to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is a serious issues of : False advertising Where truist offered a bonus for a business checking account I complied with all requirements, even went to a branch in person when asked with my identification and still bank has not paid the bonus after about 6 months. 
In writing the bank indicated to provide documentation, which I did and all these employees failed to comply with the advertised offer. 
Truist broke the law and has not fix that issue yet. 
Employees involved XXXX XXXX XXXX XXXX Attached correspondence indicating what was needed to fix their issue for then to issue the promo. 
I went to the bank branch show ids and still no bonus. Im requesting the bonus
Product: Debt collection

On XX/XX/2019 this account was deleted from my credit file. The collection agency was XXXX XXXX. The original creditor was XXXX for the of amount {$270.00}. Now it has returned under waypoint collection agency.
Product: Credit reporting or other personal consumer reports

I informed Transuinon that I am a victim of identity theft, and that on my credit report transition is reporting these fraudulent items that I disputed and Transunion said that they VERIFIED FRAUDULENT ACCOUNTS ON MY REPORT. transunion did not send me any proof of how the fraudulent accounts were verified or when These items listed on the FTC report are fraudulent and should not be on my credit report, I didn't not open these account or authorize any of it
Product: Credit card or prepaid card

Hi my name is XXXX XXXX. On XXXX XXXX, 2017 I did purchase 5 items from bonton.com website ( The XXXX XXXX XXXX XXXX ). I have never receive email from them about order delivery. Couple of days after I did called them to receive some information about my order. They told me that my order was delivered. I was wondered because I never receive anything from them. During that call they did not try to resolve my problem and advise me to dispute charges with my bank. I did like they said and dispute the charges {$450.00} with my bank ( Discover Bank ) that I paid to XXXX. Bank opened two cases and. First case number is XXXX for {$200.00} and second case number is XXXX for {$240.00}. After some time they told me that XXXX provided delivery proofs. I explained that delivery printout is not a proof that I did receive my items, because proper delivery proof will be that me or somebody in my household will sign and took the package. Bank submit my dispute again. I did request from Discover the proofs that was provided by XXXX. They did not send me anything. I did called them again and requested proofs again. After second request I did receive mail from Discover dated XXXX XXXX, 2017 that they closing my dispute because XXXX provided same delivery printouts. I called Discover by explaining again what is proof and what is not. During that calls they told me that XXXX deliver the order after that I did figure it out that XXXX gave package to USPS. I did called USPS to know where is my order. USPS opened a case by number XXXX. In XXXX XXXX, 2017 I did receive official email from USPS ( Sender was XXXX XXXX ) with their apologies for their bad service ( they left my package in unsecured place ). The building does not have cameras and front door it is open building and everybody can access. I did send that USPS official email by Fax to Discover on XXXX XXXX, 2017, because they told me that they will reopen my dispute if I will provide additional materials about the claim. Email from USPS was a big proof of that I did not receive my order. They ignored my proof saying that it will not help and because XXXX is a bigger client for them than I, they will return my credit to XXXX. After that I called XXXX and did provide that USPS email to them and asked that one of their supervisors contact me with a phone, but nobody contact me. After couple days I did called them again they assure me that there is no way to transfer my call to a supervisor and one of their supervisors will call me. Nothing. Seven days ago I did found email from XXXX in my Spam folder. I saw that somebody from XXXX by name XXXX Friday wrote me an email with their tactics ignoring their fault of my lose. I had nothing to do that to file a claim with CFPB because I spent a lot of my time and health by trying to return my lose and did everything like they told me.
Product: Credit card

-I opened a credit card with Best Egg on XXXX of 2022 -The card had a 0 % apr deal for over a year -I immediately signed up for auto pay ( like I do with all my credit cards ) -On XX/XX/XXXX the minimum payment was returned for {$29.00} -i called in XXXX. They weren't able to explain why it happened but said everything seemed fine. I signed up again for auto pay and made a payment of {$200.00}. 
-After that I have been consistently charged a late fee and interest every month. 
-I received a late fee refund in XXXX because I complained, but that was it. They did not fix the problem which was evidently with their system. 
-I traveled alot for work over the summer and missed a lot of calls from them but i had no reception. I called again in XXXX and payed {$210.00} over the phone to stop the bleeding but they didn't resolve the issue. They had my bank info obviously bc they pull payments when I call but they weren't solving the auto pay. 
-For the past few months I have been dealing with them a ton over the phone and they refuse to provide proof that I submitted any wrong info or take responsibility for their flawed system, intake process, etc. Their website shows my correct bank info in the auto pay but they say its my fault somehow. I want a refund for late fees and interest AND they have affected my credit score negatively. They said they would get back to me weeks ago and no response.
Product: Debt collection

I have been ordering from qvc since last year and paid everything off on time. No problems. 

Out of no where they closed my account and said I owed them for a purchase made by someone in 2011. I did not make this purchase. This debt is XXXX years old and for them to try to collect this first without notification of collecting a debt and collecting a debt older than 7 year they are violating my rights to the fair debt collection act as well as fair credit reporting if they try to damage my credit over this. 
I still have purchases just made I owe on recently and I have no acces to my account to Even pay for these now. 
All because they wanted to collect fraudulently a debt from 10 years ago from someone. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep reporting old debt that cant be verified by the collection agencies that are reporting the debt. I have asked both the companies they are reporting. Over the phone to please email or mail me paperwork verification that the debt is my. No response this debt continue to pop up from different companies every fees years. Same thing no paperwork. How can this continue to happen to people. I have disputed from the company, they come back every they have what they need. Can they show how they proving its right.
Product: Checking or savings account

I mailed out check to pay for my cellphone bill like i do every month, and i notice a large check withdrawal. Upon research at the branch i noticed the check i originally made payable to  XXXX  for {$75.00} was altered completely and negotiated. I did not authorize this alteration and my phone bill was not paid.   Altered Check I ( Maker ) did not alter the check or grant permission to alter this check, but the  patee  was change to ( fill in here ) :  XXXX   XXXX  from  XXXX   and/or  the amount was changed to ( fill in here ) : {$470.00} from {$75.00} Original Check Number :  XXXX  Amount : {$75.00} Payable to  XXXX  Complaint  XXXX / XXXX /   2016 in  the branch  JP Morgan Chase  Bank.
Product: Debt collection

In XX/XX/XXXX I have co-signed for a car for my X Wife. She took the car in the divorce. She had stop paying for it, the and give it back to Hyundai in XXXX. Hyundai Closed the account in XX/XX/XXXX. In XX/XX/XXXX an other payment was made. That was a court ordered payment FINAL payment to pay off Hyundai 's debt by my X wife of {$1600.00}. Because the account was close I didn't pay attention to it. I have opened a secured credit card. 3 years went by and my credit scores were the same never went up. Now I know why. Cost it me a lots of money so far. A few months back I opened the details of the credit report. I was shocked. 2 and a half years went by suddenly Hyundai started reporting the months they alleged I owe the {$1600.00} and reporting it this is under collections. Between XX/XX/XXXX and until no one ever called me to collect any money. I wasn't hiding I have a listed number. Their statue of limitations of 5 years of collections run out anyway. Hyundai altered my records just recently. Removed the actual date of when the account was CLOSED and left only when the FINAL payment was made. I have the proof of the original dates what they have recorded. Why would a company would wait 2 and a half years to even making merit less demands. They started reporting again in the middle ofXXXX. No company would wait 2 years, and they didn't even after my wife first stopped paying. They have instantly referred the case to collection back then.The records says now in Collections Charge Off. XXXX already corrected their records and have removed the monthly chart what the company claimed, how I have not paid any money back to them for the months and years. My credit newer went up and suffered because of Hyundai monthly reported false claim for the last 2 and a half years. And they are still reporting on it as of now. Their last report was in XXXX. They are 3 months beyond the statue of limitations of any collections anyway. So when when is the reporting will stop? Why do they REMOVED from the credit agency records the actual date/time when the account was closed? Regardless of the last date of the payment of XX/XX/XXXX. They got paid fully. They have left in the XX/XX/XXXX, it makes it looks like they are legally demanding, collecting and entitled the money! FRAUDULENT practice. They have tailored the financial data to their needs.
Product: Debt collection

i requested for a debt validation letter for XXXX on XX/XX/2022. 
and the company has failed to validate my debt. instead they just sent a list of my medical records, which i know is a direct violation of XXXX regulations. i never signed a XXXX form authorizing them to have access to this information.
Product: Credit card or prepaid card

XXXX  2021 monthly payment of {$1700.00} due XX/XX/XXXX instead paid two days late resulting in penalty charge of {$17.00} plus interest charge of {$30.00} appearing on XXXX 2021 monthly statement. 
XXXX statement paid timely and not subject to any type of penalty, etc. 
The company, Capital One, without explanation now charges an additional interest charge of {$16.00} explaining that such valid charge results from the XXXX 2021 late payment. 
As client never before involved in a late payment situation. I have an issue with the arbitrary action of Capital One but most relevant what appears to be an unfair practice.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES AND FAILING TO ADEQUETLY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIAN HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS. AS EXPERIAN 'S INACTION VIOLATES FEDERAL LAW AND MYRIGHTS AS A CONSUMER.
Product: Credit card or prepaid card

As a form of retaliation, Bank of America closed 2 longstanding credit card accounts abruptly following an unrelated complaint related to Bank of America 's credit line increase practices. Bank of America 's treatment of after 16 years with excellent credit is criminal. Retaliation from Bank of America against its customers for filing a complaint against Bank of America can not be tolerated.