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

When i checked my experian account online, they dispute my XXXX credit card report, and they removed my fico score, i paid {$4.00} and {$19.00} for my credit increase but it goes down, they are telling me that if i will not update and pay them they will unlock my account and anybody can check it.. they are going scam not outside people but the inside who handle out credit. Its not fair.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the reporting of an inaccurate address on my credit report by Experian. The incorrect address, " XXXX XXXX XXXX XXXX, XXXX, IL XXXX, '' has been falsely associated with my credit profile, despite it not belonging to me. 

Despite my attempt to resolve this issue directly with Experian, the erroneous information remains on my credit report, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. This law mandates that credit reporting agencies maintain accurate and up-to-date records. The presence of this incorrect address poses risks of misidentification and errors in my credit profile.

I took the following steps to resolve the matter with Experian : Submitted a dispute to request the removal of the inaccurate address.

Requested verification to ensure no other incorrect addresses are linked to my profile.

Provided supporting documents, including : A copy of my government-issued ID confirming my correct address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
To date, I have not received a resolution, and the inaccurate information remains. Therefore, I request the CFPBs intervention to ensure compliance with the FCRA and the prompt resolution of this matter.

Action Requested : Ensure Experian removes the incorrect address from my credit report immediately.

Require verification of other addresses linked to my profile for accuracy.

I appreciate your assistance in holding Experian accountable for maintaining accurate credit reporting. 

Thank you for addressing this complaint promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my EQUIFAX CREDIT REPORT but it is not my account, I am a victim of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week when applying for a home loan, I was asked about a closed care Credit account with a balance of {$980.00}. My Care Credit account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with XXXX and XXXX. A few days later, my husband received a letter from synchrony Bank saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from XXXX that they had finished the investigation on my dispute, and that Synchrony bank had found the information on my credit report to be accurate. So I called Synchrony bank to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in 2019, and Synchrony has continued to report it as 90+ days late for the past 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Product: Credit reporting or other personal consumer reports

Attempted to get a free credit report ONLINE! 
Failed. Experian 's reason : -- - " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX '' -- - This barrier prevents me from getting my report and Experian does it on purpose. 
Make Experian fix it's ONLINE access.
Product: Student loan

XX/XX/2019 Navient gave me a lowered monthly payment. They took the money out of my account the same day. 
Today ( XX/XX/2019 ) I was informed through email that I did not qualify for the loan modification. 
Am I wrong in believing that if they took the modified payment amount out of my checking account, they have entered into a contract through their action? Is their attestation that I didn't qualify for the loan modification after taking the adjusted amount out of my account an attempt to break that contract? 
Thanks for your help in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently experienced a vehicle break-in and important papers were stolen that may be used to compromise our identity and credit. Husband immediately took to freezing our accounts with the 3 credit reporting agencies. 2 down - 1 to go : Equifax. Husband was required to request a verification code mailed on XX/XX/2019 and soon received. Logged back on to https : //my.equifax.com/XXXX to complete the enrollment. We were locked out of completing. Called Equifax and was routed to the XXXX facility. Agent told me the ONLY way she could help is " if I faxed a copy of my original Social Security to her. '' Do not think I appear to be stupid - but apparently that is what she and her supervisor were hoping. I adamantly refused - willing only to fax with the first 5 digits blacked out. Nope! They refused. Those agents were unwilling to verify my identity any other way ie : personal questions. Called the next day, routed from the XXXX to USA and the agent completed the freeze via that conversation with info being sent. 
We frequently received SPAM calls from XXXX and this demand was outrageous. Just heard on XXXX about the break in security at Equifax which is prompting me to file this complaint. How many elderly people fall for this and really do fax their SS #? This is the PIT of Identity Theft! Within the Equifax outsourcing.
Product: Credit card

Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. 
This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 card

I have a consumer credit card with XXXX. I have had the card since XXXX. 

I received an invalid interest charge on XXXX XX/XX/XXXX in the amount of {$3.00}. According to the terms and conditions of the credit card agreement, there is no interest charge when the balance is paid in full by the due date. In this particular case, I paid more than the balance due, yet I was incorrectly charged interest. 

The company indicated that when paying more that the balance due, a technical error in their system improperly charges an interest fee. The bank reversed the charge, however, the bank did not provide a long-term solution to the problem. I have just now reviewed prior statements and determined that there are more charges that have not been refunded. 

I would like to report the company for failing to comply with their own terms and conditions related to interest charges. I do not think the burden of interest fee compliance should be on the consumer especially with a known technical issue.
Product: Credit card or prepaid card

Chase bank, and XXXX XXXX have a Business card under my name that I have never applied for. These cards have been opened since XXXX of XXXX as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business chase card balance is around $ XXXX {$26000.00} while the XXXX XXXX is owed around $ XXXX {$5000.00}. 
These cards have been, and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which was the business chase account. I also filed a FTC report stating both accounts. I have continually pursued Chase bank, and XXXX XXXX to remove these accounts from my credit reports, and completely delete the accounts that I did not authorize. These accounts do not belong to me, and as stated before, I did not open these accounts, and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended, so that I can move forward with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  act # XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXXXXXX XXXX XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I opened an account with Bank of America ( BOA ) in XXXX. Bank of America closed my account XXXX because of Inactivity on this account, current or past delinquency, derogatory public record ( s ),  and/or collection account ( s ), current or past delinquency with one or more of my creditors, number of accounts, paid as agreed, is too low or I had missed payments recently on some of my accounts. Bank of America indicated information on my credit was provided by XXXX. I contacted Bank of America to dispute the closing. They told me I had to dispute with XXXX because they do not process disputes. If I wanted the card reopened, they would do a hard inquiry on my credit report and open a new card. I did not agree because the account was closed based on incorrect information. I contacted XXXX for a copy of my credit report and to dispute the information provided to Bank of America because I was not aware of information on my records. Upon review of my records from XXXX, I did not have the items listed by Bank of America. I had no adverse accounts, no late payments, no public records. I have submitted two disputes with XXXX on XXXX and XXXX requesting Bank of America reopen my  account with the 25 year credit history. The XXXX dispute was denied. The XXXX dispute to request Bank of America reopen the account is open.
Product: Debt collection

XXXX XXXX XXXX. has my information for no reason provide proof of ownership of the note in question, provide proof your attempted to validate provide proof to report to credit bureaus
Product: Vehicle loan or lease

Dear CFPB, I am writing to file a complaint against Exeter Financial LLC, XXXX, OH, regarding a vehicle loan dispute and the unlawful imposition of a lien on my vehicle. 

On XX/XX/XXXX, I purchased a vehicle from a Dealer posing as XXXX XXXX of XXXX and financed it through Exeter Financial LLC. Upon receiving the vehicle, we discovered that it was involved in the flood which was not disclosed to us. We also discovered that it was not XXXX XXXX motors on XXXX that sold us the vehicle, but XXXX XXXX XXXX. I contract said we have XXXX days to cancel however we canceled on XX/XX/XXXX. We spent several weeks reaching out to Exeter finance attempting to cancel the loan. Despite my efforts to resolve the loan cancellation, the company has not complied and has placed a lien on my vehicle without proper documentation. 

I have attempted to communicate with Exeter Financial to address this issue, but they have been unresponsive and continue to demand payments. 

I seek your assistance in investigating this matter and facilitating a resolution.
Product: Credit reporting

There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1/2 years old. Experian needs to delete all the XXXX accounts on my credit report.
Product: Debt collection

On Thursday, XX/XX/2018, I received a call from my adult daughter saying she had received a call from someone who was executing an " Order for Location '' and trying to locate me. She said the person also contacted her daughter who is XXXX years old and scared her.

I checked my voice mail and found that whoever it was had left a voice mail for me. I listened and learned the following : The person calling was XXXX XXXX and that she was executing an " Order for Location '' and trying to locate me in regard to case XXXX, a case filed in XXXX County ( Texas ). She said the order gave her authority to contact my employer and references. She said she would continue to do so until told to do otherwise and that this was a 'Legal Notification by phone '.

I checked with my sister who said she had been contacted and my wife who checked her email and found the same message.

I called the number provided XXXX and was given the same information. She claimed to be trying to locate me, but would not stop calling until directed to do so by whomever hired her. She would not tell me the name of her company or the name of company that hired her. She did provide me a number to a different company. I called the number and could not find out the name of her company but after some arguing, I learned that they were working to recover an unpaid loan from two years ago by Ace Cash Express. I remember the loan, but not if it was paid completely. She would not provide me with specific contact information on how to contact the company. It is strange they have my phone number but and address, but could not find me. They also confirmed they had my address.

I contacted the XXXX County courts and was told they could find no record of suit filed but that did not do any service processing so could not help me. They were not particularly interested in helping me, saying they had no idea where to go for help.There are no suits filed against me, so they could not help me.

I worked in the credit field for nearly 30 years and have never heard of such a court ordered process. After consideration, I determined that my next course of should be to contact your agency.

Your help is greatly appreciated.
Product: Student loan

While looking at my credit report I noticed the name Navient XXXX. I called the company on XXXX XXXX, 2016 as I had never heard of them and wanted to get to the bottom of the negative marks listed on my credit report and why. I was informed that Navient was a sister company to XXXX XXXX and it was for a student loan. I informed the representative that I had gone to court regarding this matter and that the case had been dismissed. I was then asked if I had submitted any paperwork stating this. I responded that I had not as the attorney representing XXXX XXXX is who had it dismissed and therefor would have been responsible for informing their client. The representative stated that I had a balance of {$3900.00}. 
On XXXX XXXX, 2016 at approximately XXXX I received a call from someone by the name of XXXX who stated she was calling from the Law Firm of XXXX XXXX XXXX and XXXX in regards to a student loan for which I owed more than XXXX. I explained to XXXX that this matter had gone to court and was dismissed. I also explained her that this matter was being disputed. XXXX then informed that Navient did not share that information with them and they were not supposed to contact me. XXXX stated they would not be calling back but that I could send a copy of the discharged court case via email ( XXXXXXXXXXXX ). 
I have filed a complaint with The XXXX. Since filing the complaint Navient has placed a negative 30 day past due mark on my credit every 30 days and on XXXX instances two times in one month. The loan is listed on my credit report as charged off. In documents provided to XXXX Office Navient states the loan is with XXXX.