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

I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact XXXX, XXXX, Experian by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.
Product: Debt collection

Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.
Product: Debt collection

They use an automated calling system that states they are calling to collect a debt, and use my full name. The message then says if you are not this person please hang up and do not listen to the message. They repeat my name. Where is the privacy? They also called me at XXXX on a SATURDAY. My name alone should be the biggest indicator that I am or could be XXXX and it's the XXXX. If they are truly calling for me, for a debt I owe, than regardless of my phone number, they should know I live on the west coast.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit card or prepaid card

I applied for a CareCredit card to help pay for my XXXX XXXX I was given a {$4000.00} line of credit. There are two payment platforms that are available to pa the bill. My chart gives me the option to pay my bill via the website https XXXX XXXX. I have also signed up at Synchrony bank to see my bill. I have been paying my balance down through XXXX. 

I sent the records of my billing payments to Synchrony. They haven't updated their records accordingly. I recently got a message from them saying they won't do it because it's not on their platform. I feel like I am going to be penalized because of this billing dispute.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX opting of reporting services for the XXXX  XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I received a text message at about XXXX Eastern last night that my Experian XXXX XXXX Account was open. I never opened such an account. 

I tried to log onto my Experian Account this morning Sunday morning  to find I could not. When I tried to recover my username, I found it was an e-mail address ( in truncated format ) that is not mine. So, I assume, a bad actor has compromised my identity and formed a fraudulent Experian account in lieu of mine. 

This appears to be a problem long known but apparently still unaddressed by Experian. XXXX XXXX XXXX XXXX, I tried to contact Experian by phone to address this. That proved an impossible feat. I tried at least four different phone numbers, to no avail. In other words, I cant report fraud to a company that claims it is protecting against consumer fraud- and which I only came to know after they lost my data in a breach. That doesnt seem right. The CFRA makes it unlawful for Experian to knowingly permit unauthorized individual to access my legally protected information. Experian 's inability to permit immediate resolution of the fraud on my account makes me believe they are acting in violation of the CFRA. 

So, I have requested they immediately explain what happened on my account and what they will do to remedy the situation including to protect my account security, shut down any fraudulent accounts opened in my name. From what I see online, I am not hopeful they will immediately remedy the situation. 

If fraud can occur XXXX through their website, shouldn't they have a XXXX mechanism to immediately address and remedy such fraud? 

Thank you kindly for your assistance.
Product: Credit reporting or other personal consumer reports

The Company Equifax has the incorrect information on my credit report. The only address that should be on my report should be XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   gave me two letters of release stating the debt wasn't mine Experian and XXXX   keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing accounts, Equifax says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.
Product: Credit card

On approximately XX/XX/XXXX I opened a new Capital one credit card on. XX/XX/XXXX I made a full balance payment of {$290.00}. on XX/XX/XXXX That payment was returned and having a notation of " return mobile h. XXXX XXXX XXXX XXXX. I contacted capital. One explained to them, the situation. the representative told me that it's possible The card had just been activated and therefore may need a day or 2 and to try the payment again in 2 days. I contacted my bank to see if they had any information regarding this payment they did not. They hadn't seen a payment Come through my account. They verified the balance on my account. And they said there should be no issues using this account to make a capital One payment seeing that I pay my wife 's capital One card from the same account. I attempted the payment 2 days later for XXXX XXXX, the balance on XX/XX/XXXX. It was returned again. today I received a letter in the mail claiming that my payment was due XX/XX/XXXX. So I called Capital One once again to find out what the issue was. They informed me that my account had been closed XXXX XXXX. ID number FB J994 said that it had been closed because of an executive decision of 2 close together returned payments. I informed her that there was no issue for the payment. And it also told her about my wife 's account. And how I pay that with the same bank account? She said that there was nothing they could do, that closed accounts Don't get reopened and that they closed it Because I had been in violation of our user agreement, indicating that a returned payment would lead to a closed account. I told her that the only reason I even attempted the second payment, which was why she said specifically, the decision had been made to close. It was because of the second return payment and that the representative instructed me to put the payment through again. I told them. I would never have done this. I would have tried a different bank account. now i have a credit card that was open for one month, then closed. Showing up on my credit report. It is not something I want to have on there. And at very least, I would just like the notation taken off the account without a negative impact. This has nothing to do with anything I've done wrong. I was advised and followed the direction of Capital one to make the second payment. Which is the reason why it was closed and why any negative impact will be held.
Product: Debt collection

I attempted to speak to someone regarding the inaccurate and invalidated debt they were reporting to the credit bureau. The customer service representative threatened me by using obscene and profane language repeatedly when I tried to explain to them that someone at IQ data advised the landlord to type up a letter after I submitted my complaint and claimed to have mailed the demand letter to me when they never mailed any notice letter or any itemized list of deductions. The said that I was committing a crime and they would be filing a civil lawsuit to garnish my wages to collect the debt. 
The representative claimed that I would be arrested if I did not pay the debt I owed.
Product: Debt collection

I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is XXXX.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

A while ago I called navient to tell them I wanted to increase the amount they took from my bank monthly for my student loan repayment. I wanted {$270.00} taken out instead of the minimum monthly payment. A few years later, I took a new job, and a slight pay decrease, and I called Navient back to reduce what they took from my bank back to the minimum monthly payment. What they did when I called the first time to increase what they took was rewrote my loan so that {$270.00} was the minimum monthly payment. So anything I thought I was paying over the minimum was not used as such. I requested an investigation into this over a year ago and have not heard an single word from them. Is what they did legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX. I see that the last active dates are different. Dates of last payment are different. On my XXXX report it has been reporting C/O and on my XXXX the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are 2 accounts that are reporting the same mistakes. I have not received a 1099-c regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Product: Vehicle loan or lease

XXXX XXXX XXXX totaled. Kia Finance requested {$14000.00} to guarantee title to insurance company. ( Payoff was {$1800.00}. ) Insurance co sent check for {$14000.00}. Checked received by Kia Finance XX/XX/XXXX. I am owed {$12000.00} by Kia Finance. My refund check is still " pending '' with Kia Finance. I have called their customer service several times regarding this with no satisfaction.
Product: Consumer Loan

Quality Acceptance LLC is disgusting. We were told that 12 % was our interest rate. And paperwork had started on a XXXX MUSTANG for XXXX. XXXX sales lady came back and said that interest rate had changed to 17 % and that we would need now an additional {$1000.00} = {$2000.00} down. We reluctantly agreed but were assured that in one year if we were up to date with payments, the interest rate would fall extremely low for remainder of the 36 payments. But after that, we were yet told one more time that interest rate now rose to 19.95 %. Or if we paid car off early we would naturally not owe the 19.95 interest rate of the lower one for those months paid early on the back end. 

In following year we either made our payments before hand and in one occasion it was one week late. But QUALITY ACCEPTANCE LLC would call for no reason, harassing about payments even when we were up to date, check phone records. And sometimes more than once a day to me and to XXXX separately even after we explained the payment went out on time or for one time one week late. 

So in XXXX XXXX after one too many harassing phone calls, I called and spoke to a XXXX at QUALITY ACCEPTANCE, due to all the prank phone calls from our identity theft and so many unresolved issues, I contacted FTC to see what the laws or regulations were. I found out that it is against regulation for them to call so many times, and if I let them know that they need to stop, that they have to be law. As well that with my proven identity theft and loss, and unresolved fraud on my credit report and that I not only proved it to them, but also they let me know they were aware as they saw it for themselves, that we deserved a much fairer interest rate than given at time of purchase. I also discussed my one year of loan payments on time to QUALITY ACCEPTANCE, that I wanted talk about the lower of interest rate as promised, and XXXX said that payment status was very good that they were not gon na lower the interest rate as promised. 

So I asked XXXX if it would be ok if I was one payment behind and put it in back. She said yes, that my payment history was good enough that they could extend that to me. That call was in XXXX XXXX. And not only but a few days later from calling XXXX and her confirming that I could be late and that not to have people calling me, I got several calls about the payment even though I confirmed XXXX said it was ok and after asking customer service to stop calling me, that I made a complaint, they still continued call. 

And after doing a little research and finding out that QUALITY ACCEPTANCE, not only took advantage of our identity theft situation charging a much higher interest rate than we deserved, and charging us twice as much down as first said, and the fact they had no integrity in honoring the lowering of interest rate, and not only all the annoying phone calls, but to make them after I asked them not to ; I found out that they had violated regulations and had cheated us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a charge-off on my credit report. I ask Exeter Finance LLC to send me proof of a contract with my signature as proof that I enter into a contract with them. I sent two letters requesting a proof, one on XX/XX/2021 and another on XX/XX/2021. I have not received anything with proof of my signature on it. The only thing that I received was a letter saying it was frivolous in XXXX. They never mark my credit report as disputed to today which is a voilation. The company did not respond to the first letter that I sent by certified mail that was signed for by someone in the company. I would like to have the charge-off removed if they do not provide me validation showing my signature that I have or ever had some contractual obligation to pay them.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''