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

My account with XXXX XXXX XXXX XXXX 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 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. 

XXXX XXXX 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 XXXX 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 or other personal consumer reports

A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme XXXX and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.
Product: Credit card

I received mail today from Chase regarding my XXXX Rapid Rewards Premiere VISA Signature credit card. Enclosed was a replacement card ( for Chip & Signature use ) along with printed materials about the card. Nowhere in the printed materials did it disclose the {$99.00} annual fee associated with this card. These do invite the customer to consult XXXX for more information -- but no where on those online materials is the amount of the annual fee mentioned, not even in the " Terms and conditions '' pop-up window at XXXX. I had to call the XXXX number, wade through a voice menu, and speak to a customer service agent in order to be reminded that this card carries a {$99.00} fee. When I asked to be downgraded to a version of this card without an annual fee, I was told there was n't any. The only way to avoid the {$99.00} fee ( to be charged next on XXXX/XXXX/2015 ) was for me to close the account -- which I did, despite the negative impact on my credit score this entailed. 

In short : Chase is hiding the annual fees these cards carry from their customers, a dishonest and short-sighted business practice, and requiring customers to degrade their credit scores in order to avoid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the wrong address on my credit report. It is being reported that I live in XXXX, Maryland and this is not true. I have sent copies of my Driver 's License to Experian over the past couple of months and they still have not updated my credit record. I need Experian to report the correct address on my credit report. My correct address is : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I am including a copy of my driver 's license as an attachment so Experian can process my request. I have sent this multiple times so I do n't understand why this has not been fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  Last Payment XX/XX/year> Old debts should be discharged from my credit report after theyve reached their legal expiration, in the state of Hawaii the statute of limitations is 6 years.
Product: Debt collection

These people need to be charged with attempted murder conspiracy to commit murder aiding a bedding lying and falsifying documents. I have proof that they did not provide the title within XXXX  days, XXXX XXXX shcinzing is having an inappropriate relationship with another attorney. I've complained several times nobody has done anything about it you are allowing people to continue to commit crimes against me and nobody has done anything about it. Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which currently are already being sued in a federal lawsuit that was filed XX/XX/year>. In XXXX XXXX continues to allow these people to report incorrect false information in a still have not removed it I've told them that several times and prove that several times and they still fail to remove the negative item. And they're in a conspiracy theory to commit murder with these people. They continue to allow these people to get away with crimes perpetrated against me.
Product: Credit reporting or other personal consumer reports

Equifax 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 accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) issued an Order against Equifax signed on XXXX requiring the company to pay a {$15.00} XXXX civil money penalty for its failure to conduct proper investigations of consumer disputes. This failure directly aligns with my experience, where Equifax has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The account is a joint account that was deleted from the other individual 's credit report after being disputed ; however, Equifax refused to delete the SAME account from my credit report. I am therefore requesting immediate corrective action to remove the disputed account, as Equifax 's inaction grossly violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/XXXX, we made a purchase in XXXXXXXX XXXX XXXX  The actual amount that was charged to our card was 10x the amount I agreed to. 
We disputed the charge with Amex. We filed a police report, a report with the NM attorney general, with a lawyer, and with the ftc on this store that did the overcharge. We have done everything in our power to prove that this charge was fraudulent. 
The amount was {$30000.00}. We have never made a purchase that large on our personal AMEX and feel like we should have been notified immediately by AMEX and we would have denied the charge and this would have never gotten this far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank. I notified them on XX/XX/22 that I was moving and gave them my new address. They froze my account the first time when I tried to charge to get a XXXXXXXX alarm system put in my new home. They froze my account for a SECOND time when I tried to charge a riding mower from XXXX XXXX ..... BOTH times I had to go through a ridiculous XXXX step procedure which included taking a XXXX second video of my face and photo coping both sides of my drivers license then they sent me a long verification code. Today I charged XXXX dollars at XXXX XXXX, then went to XXXX XXXX where they froze my account for a THIRD time, this time their fraud department told me I had to wait for a letter from them with some sort of code and then call them back, probably to do the 5 step procedure for the third time. Their fraud department which I believe the call center is not located in the United States does not understand and are too XXXX to understand the correct procedures to look up and see when someone has moved and has notified them in advance that they were moving.
Product: Credit reporting or other personal consumer reports

I am writing to dispute on my credit report. According to the fair credit reporting act ( FCRA ) section 605B. it is illegal to report information on my credit report without my permission. Please remove this item from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage company is not paying the taxes from escrow on time. 
1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 
2 ) Even after multiple phone calls and escalations the problem persists. 
3 ) They deducted the penalties from my escrow account although it is there mistake. 
4 ) Now one of the taxes have gone into Lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ 15 U.S.C. 1681 ] I have a problem with Equifax reporting accurate information XXXX XXXX XXXX showing different information on other reports account should be closed and not showing a balance yet it is open as revolving credit. I have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received investigation results.
Product: Debt collection

Earlier this year I got a call from a collection agency " Receivables Management '' about money I supposed owed XXXX XXXX. They said I owe them {$40.00} but I would have to pay them {$80.00} ... and they said there was some {$40.00} collection fee. 

So I called XXXX XXXX to verify the debt. They claimed that I owe them the {$40.00} from a medical visit in XXXX I believe. I think that's when it was I'm not sure, but that is not the issue here. But first I DO need to tell you that XXXX XXXX told me that they sent me out a text that they were going to charge my card, and then they tried to charge my card. I had changed banks and gotten a new card so it must have not gone through, but I NEVER got a text from them. When I asked the lady on the phone why they didn't try to call me to get in touch with me about the debt, she said in a very toxic tone " Sir, We don't make phone calls. '' Well if you don't make phone calls how the heck you expect to get paid? 

I was not happy about that but I told her I want to pay the debt that I was convinced was genuinely my debt, but I'm not paying some ridiculous collection fee because they did not make any effort whatsoever to contact me before sending me to collections. 

Fast forward to now, I have a collection on my credit reports for {$40.00} from the collection agency that put that on my credit reports and is screwing up my credit. This can not be legal first of all I have NEVER heard of a collection fee being charged to a person sent to collections, and second of all they never contacted me once. I am pretty sure that a creditor MUST contact the debtor to try to get payment before sending them to collections. When I was younger I made a lot of mistakes and was send to collections a lot and it was only to pay what I owed. As you can imagine I and on the straight and narrow now and I want to avoid collections, especially ones that are invalid! 

These people will not budge and they keep telling the credit reporting agencies that the debt is valid when it is not! I am not responsible for the irresponsibility and laziness of a company that doesn't even try to get a hold of customers to tell them they owe money!!!! That's on them. And if the collection agency wants {$40.00} let them pay it! 

I want this off my credit report. I'm trying really hard to improve my credit and I'm working against past irresponsibility on my part. 

PS : The address for Receivables Management is listed here because you have no other place to put it and when I said they aren't the place the original debt came from you ask me for XXXX XXXX 's address but not theirs.. RECEIVABLES MANAGEMENT ARE THE CRIMINALS WHO PUT THIS XXXX ON MY CREDIT REPORT!!!!!!!! 

Receivables Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Update Phone Number on Credit Report Dear TRANSUNION Customer Service, I am writing to request an update to my personal information on my credit file. I recently changed my phone number, and I would like to ensure that my new contact information is accurately reflected on my credit report. 

Below are my updated contact details : XXXXPrevious Phone Number : XXXX XXXX XXXXXXXX ) XXXX XXXXNew Phone Number XXXX XXXX XXXX XXXXXXXX ) XXXX Please update my credit file with this new phone number and confirm when the update has been made. If any additional information or verification is needed, please do not hesitate to contact me at the new phone number listed above or via email. 

Enclosed are copies of my identification and a recent utility bill as proof of my new contact information. 

Thank you for your prompt attention to this matter. 

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

Today, XX/XX/XXXX, I tried to get my free credit report from Equifax using their online request system. After providing the requested information I received the message " Online delivery unavailable ''. I tried calling them and I get an automated system which says they can not find me in their system. I have tried this before several times. I have also carefully and fully mailed them all the requested information twice and been told they can not find me in their system. I know I have been in their system because I place a credit freeze on my Equifax report in XX/XX/XXXX and XX/XX/XXXX. I have attached confirmation documents from Equifax showing this. Yet now, when I try to unfreeze my credit, they say they can not find me. This has prevented me from opening an account at a credit union. I have a credit card, I have no outstanding loans, I always pay my bills on time. And I buy things with my credit card and am never behind in my payments. I am the secondary on my wife 's card and Equifax can't find her either. I want to be able to access my Equifax credit report and unfreeze it, if it is still frozen. Please help us get access to our credit reports and find out why we can't, and why no one else can either.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and immediate removal of the following hard inquiries that were made without my explicit consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA XXXX, hard inquiries require my direct authorization. Since I did not authorize these, I request their removal. Please provide verification of my consent, or delete these inquiries immediately.
Product: Credit reporting or other personal consumer reports

I have been calling daily to recieve assistance in this serious matter. I have not recieved any useful help and this and it is affecting my lively hood. These account are inaccurate, false, and i require them to be remove within the next XXXX business days. XXXX, Equifax, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has recieved written consent from me to report this onto my consumer report now they reporting anything, even things that dont belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is aggravated identity theft.
Product: Credit card or prepaid card

In XXXX of 2019, Kohls put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from Kohl 's told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It just popped up on the other credit bureaus and has greatly lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to urgently bring to your attention a distressing matter that has significantly impacted my financial well-being. I have recently discovered that I am a victim of identity theft, with fraudulent accounts and inquiries appearing on my credit reports maintained by XXXX, XXXX, and Equifax. 

Account Details : XXXX : XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Utility XXXX : XXXX Opened : XXXX XXXX, XXXX Equifax : XXXX Opened : XXXX XXXX, XXXX Inquiries : XXXX : XXXX XXXX AND XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Equifax : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX I solemnly affirm that I have never had any dealings or accounts with XXXX or any other entities mentioned above. The accounts and inquiries mentioned in the credit reports are completely fraudulent and have been erroneously linked to my identity. This situation has caused me immense distress and confusion, as I have diligently monitored my credit reports in the past. 

Unfortunately, the reason I failed to notice these fraudulent entries during the period from XXXX to XXXX was due to several factors. Firstly, during this time, I had been going through a challenging period in my personal life, including the loss of a loved one and a sudden relocation. The stress and emotional toll of these events may have understandably led me to overlook routine financial checks.

Furthermore, the sophisticated methods used by these identity thieves have made it extremely difficult to detect their activities until now. These criminals may have been using advanced techniques to conceal their fraudulent actions, further hindering my ability to notice the discrepancies in my credit reports.

I am fully aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As per my rights, I request an immediate and thorough investigation into the fraudulent accounts and inquiries mentioned above. I kindly ask that you take the necessary steps to rectify this distressing situation promptly.

As a victim of identity theft, I understand that I am entitled to the following remedies under the FCRA : 1.The immediate removal of all fraudulent accounts from my credit reports maintained by XXXX, XXXX, and Equifax. 

2.The removal of unauthorized inquiries made by these fraudulent entities from my Equifax and XXXX credit reports. 

3.The provision of copies of corrected credit reports after the removal of the fraudulent entries.

4.Notification of the actions taken to rectify this matter and prevent any further harm to my creditworthiness. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers like me from financial fraud and deception. Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX ( XXXX ) XXXX or XXXX if you require any further information or documentation to assist in the investigation. 

Thank you for your understanding and cooperation in resolving this distressing issue promptly. 

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

This is my 2nd 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 accounts 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GOLDMAN SACHS BANK USA HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE