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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Debt collection

XX/XX/XXXX, I needed a short term loan, that I would be able to pay off within a day or two by renewing the loan at my bank. I had a really good credit score at the time, and my bank had assured me that it would renew the loan. However, the bank did not renew the loan. I tried to cancel the loan within the three day limit, however that was to no avail.

My son and his friend had moved in with me, as I lived in the city, so that they could find employment, however, that turned out to be much more difficult that we had imagined. I tried working with Ace Cash Express to  lower the payments, but again to no avail. I became ill with XXXX and XXXX XXXX in XXXX of XXXX, and subsequently hospitalized for this in XXXX of XXXX. I was ill more days than not, as I have a lot of pre existing conditions. Unfortunately, covid hit and my son was laid off from the XXXX XXXX  that he had just started working at. He does XXXX XXXX now, but he barely makes anything as XXXX is pretty competitive on that, especially with more unemployed people. 

XX/XX/XXXX, I am contacted by a " locator service '' XXXX, informing me that I was in violation of some court order and that I needed to be served paperwork, they gave me a case number and a phone number to call. 

Now I did not get suspicious at this, because the people I talked to had an XXXX Texas accent. Unfortunately, sometime in XXXX, Ace Cash Express had sold my information to sales people, and I am hit with unwanted calls all day long, however, most are robo calls or with a foreign accent. Because of this man 's accent, I assumed it was a legitimate threat. 

They gave me a " case number '' that I can't seem to find at the moment I am typing this a a phone number XXXX, to call to find out more information, they told me that they couldn't give out the information about the warrant as they could not verify who I was as they were just a " locator '' service. 

I called the number and found out that Ace Cash Express, who was ordered to pay over XXXX XXXX dollars in XXXX for doing the same thing they are doing now, had filed with the court in XXXX County using my address that I had back when I had a loan from them that I had paid off, instead of using the current address that I was living at when I took out this loan that is in default. I am presuming that they did this because they couldn't get the DA in XXXX to go after me, but XXXX County, which is as dirty a county as they come would. Texas the state 's constitution states that " no person shall ever be imprisoned for debt. '' though many counties are getting away with prosecuting for " hot checks ''. Poor people, like me, who can't afford an attorney, get railroaded into either doing jail time or paying over XXXX XXXX dollars more in fees. I called the DA 's office in XXXX County to confirm this and as they didn't have a case with my name on it yet, they did confirm that they are prosecuting for Ace Cash Express, despite it being against the states constitution, and was advised to seek legal counsel. If I could afford an attorney, I would have paid the loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a lawsuit that was settled I fit the time and criteria for the settlement. I have tried countless times to contact XXXX foe this matter and no response.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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
Product: Credit card

I was added as an authorized user to my son 's, XXXX XXXX 's, XXXX credit cards, numbers of which are below. I was added at the beginning of XXXX and the beginning of XXXX, and statements for both cards close on the XXXX and XXXX so it has been well over XXXX  days since I was reported to the credit bureaus ( XX/XX/XXXX and XX/XX/XXXX, or around there ), meaning the bureaus have had enough time to report me if the report from Wells Fargo was received correctly, or even sent to begin with. My daughter filed a similar case with Wells Fargo 's Executive Team under case XXXX and they found that my SSN was not included when I was added as Wells Fargo never asks for an SSN online... they stated that this missing SSN possibly caused her status to not be reported correctly. I have no idea if this is the case but, if it is, why doesn't Wells Fargo even have a field for SSN when adding authorized users online? 

Credit Cards : XXXX XXXX
Product: Credit card or prepaid card

I applied and was approved for a Capital One SavorOne card on XX/XX/2019. While I was approved for the card there was a specific feature of the card ( 0 % intro interest rate for 15 months ) that was advertised but removed from the offer. I was not informed that this was a variable part of the offer, my belief based on advertising and the terms of the card at application that this introduction rate would be part of the card if I was approved for the card. 

I called capital one and indicated to them my issue, they points to this line in their Terms and Conditions as reason for removing that specific feature within the overall offer : " With respect to this offer, I acknowledge that : I am not obligated to accept the card or pay any fee or charge unless I use this card. 
Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards. '' " This offer '' seems to indicate the entire Credit Card offer being able to be declined or accepted, it does not indicate anywhere in the terms and conditions that specific features of the card or offers of the card could be removed but the card could still be accepted. Had I know this I would not have applied for this card to begin with. This is further supported by the fact that things that are variable ( the overall interest rate, and the credit limit are advertised as variable and not set in stone ). 

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

In XXXX 2017 I filed a dispute of an item on my credit report with Transunion. I provided documentation which proved that a collection did not belong to me and Transunion removed the disputed item from my credit report. A week later I discovered through the TransUnion website that they had lowered my credit score. The reasons for the scoring were contradictory. On the positive side they claimed I had no collections, that my debt ratio was perfect and my payment history was perfect. On the negative side they claimed I had too many collections and past due payments my debt ratio was too high and the age of my accounts was too recent.
When I called to find out the reasons for the discrepatencies they told me that the score on line is not my real score and that I would have to pay to get my true credit score. When I told them that they had raised my score last month and I owed more and had the incorrect collection yet this month they lowered my score even though I owe less and the collection was no longer listed they told me that the scores they give for free and the scores they give when I pay them and the scores they give to potential creditors are not the same. They also refused to transfer me to a manager for clarification. I feel that TransUnion is intentionally providing fake score on their website in order to force people to pay for an accurate credit score. In addition, the measure they use to determine credit scoring is arbitrary and biased. I feel TransUnion uses bribery in order to sell scoring products and also practices discriminatory scoring practices.
Product: Student loan

My payments have increased on the income based repayment plan from XXXX to XXXX.
Product: Vehicle loan or lease

Honda inaccurately reported late payments to the credit bureau, when I paid before the 30 day late mark. Honda processes payments late and there several consumer complaints regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing an annual credit report update and the credit bureau Experian refused to delete information on the report in the form of old addresses that were ov er 7 and 10 years old.  They said they could keep the information on my report indefinitely and I could never have it removed. I requested  XXXX  to delete the old addresses and they did. I am waiting for the written summary update from them. Experian also authorized a credit report from my  XXXX  bank 3 times on the same date and I have never applied for credit or loans. This happened in   XXXX   around the time I opened the account. The last bureau would not release the report online due to answers to the ID verification of which I answered correctly. I strongly feel that Experian abused the laws on reporting and releasing information. I also have reason to believe that due to the ID verification questions on the  third bureau rep ort resulting in the bureaus denial of my annual report online that there has been illegal activity in the for of credit cards and loans being applied for using my name and SSN. I need further information on how to investigate these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.
Product: Debt collection

" XXXX '' has called my roommates number every single day, has called my number several times a day, has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me, so she knows that I am aware of the debt, and I ca n't receive personal phone calls at work. Yet she still calls, even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do, and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my Equifax credit file in XX/XX/XXXX, to protect from any fraudulent activity, since my social security number was compromised in XX/XX/XXXX. 

I am now in the process of buying a house, and trying to get a mortgage approved. I attempted to lift my Equifax freeze on XX/XX/XXXX. The website said it could not process my request, so I called the customer care phone number, updated my information with Equifax, and was told the freeze was lifted. Additionally, Equifax mailed me a letter confirming that the security freeze was permanently removed from my Equifax credit file. 

On XX/XX/XXXX, my lending bank attempted to obtain my Equifax credit score. It came back as still frozen. I called the customer care line again on XX/XX/XXXX, who said the freeze was indeed lifted in XX/XX/XXXX. I said this was not correct, instructed them to lift the freeze again, and the representative told me the freeze was lifted again, and provided a confirmation number. We told the lender to try obtaining the Equifax report, and it was still frozen. 

I have since tried calling the customer care line multiple times, providing all correct personal information, PIN numbers, SSNs, and past confirmation numbers. I end up starting the process over again regardless, are told the problem will be resolved, and are left with no solutions. 

I even asked to speak to a manager/supervisor, and was transferred to another person. He was not able to solve my problem and asked if he could call me back. He indeed called back, but left a message looking for a different person, trying to solve a different problem. I called again stating that the supervisor left me a message with incorrect information, and the representative said the message was left in error, and not in regards to my account. 

The problem is still not resolved. On the most recent call to Equifax, they stated there's an error with their computer service, and it would take a minimum of 72 hours to process my request, to remove the freeze. I have continued to check their website, and use their automated phone service. The website will not allow me to perform any action on my credit file, " more information is needed '' and I'm instructed to call or mail them. The automated service line works, but it also states that there is an active freeze on my credit file still, and I can not lift it through the automated service. 

I tried to do the right thing by protecting my credit, my finances, and my future. I'm now regretting even trying. It's frightening that Equifax has this much influence on my life, and that amount of influence is equal to their inability to provide any customer service. 

Each representative I speak with starts from scratch, has no alternative solutions, just reads a script, and does their best to end our call as soon as possible. They become condescending, and one representative even said " don't worry about it ma'am '' when I was obviously distressed and angered by the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I realized that National Credit System changed their account open date on XXXX and XXXX. The original document said that it would be reported on XX/XX/2021 it showed up on my credit report on XXXX XXXX but now it says that it was opened XX/XX/2021. They will not acknowledge my documents sent to them that prove that this account is inaccurate and now are trying to make it make sense. They fraudulently evicted me on XX/XX/2021, and would not accept the check between the dates of XX/XX/XXXX and XX/XX/XXXX which was dated on the sheet they gave the National Credit System. NCS will not enforce the company to prove they are practicing unfair tactics.
Product: Mortgage

In XX/XX/XXXX I received a delinquent notice of unpaid school taxes. Loancare Mortgage company shows that they we paid from my escrow account on XX/XX/XXXX. Loancare did pay the delinquent notice and fees but charged those fees to my account. This extra payment of taxes and fees raised my escrow payment as well as my total overall payment. Since our loan was serviced to Loancare in XXXX our payment has gone up almost {$200.00}. 

I have since called Loancare no less than XXXX times to go over these details and track down the original payment of our taxes. Loancare has not yet issued a refund to our account for the original tax payment. This will again raise our escrow payment to the tune of at least {$100.00} because our account will show a shortage as school taxes will again be due in XXXX. 

Loancare has mismanaged our funds and this mistake is costing us by raising payments while still not receiving money that we are owed from XX/XX/XXXX.
Product: Credit card or prepaid card

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XX/XX/2022 It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

After carefully looking over this information on my credit report it clearly stated this was opened on XX/XX/XXXX and last payment was sent on XX/XX/XXXX this information is solely no correct and needs to be removed out of collections on my credit which seems to not even be correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Product: Checking or savings account

What happened? 

Over the past several months, I noticed recurring charges labeled as " PAPER SURCHARGE FEE '' on my Health Savings Account ( HSA ) with UMB Bank. Upon investigation, I discovered that these charges were applied because UMB had, by default, set my account to receive paper statements. This was done without my explicit consent or notification, and I have never received any paper statements from UMB.

I find this practice misleading, as defaulting to paper statements without clear communication or disclosure of associated fees is unfair to customers. Despite requesting a refund for these charges, UMB has declined to reimburse me, which I believe is unjust.

To summarize : I was charged a PAPER SURCHARGE FEE without receiving any paper statements.

UMB set paper statements as the default option without notifying me or obtaining my consent.

The associated fees were not disclosed upfront, which is misleading.

My refund request for these charges has been denied.

This situation is frustrating and unfair, as these fees were not incurred due to any action or decision on my part.
Product: Student loan

I have been accepted for the XXXX XXXX for private loan Forgiveness with Navient and all but one of my loans have been placed in forbearance while they make a decision regarding my application. The private loan not in forbearance is a Tuition Answer loan and I was told by XXXX, an employee at Navient, on XX/XX/year> that the Tuition Answer loan does not qualify for forbearance as the funds were released to me and my cosigner and not the scam school, XXXX XXXX. My problem with that is the only way I could qualify for that loan was by attending XXXXXXXX XXXX and Navient verified my attendance as a student there. The only reason I applied for the loan was because I was attending XXXX XXXX. The way the loan was distributed should have no bearing on why the loan was requested and then granted. I should also receive private loan forgiveness and full reimbursement for the Tuition Answer loan as XXXX XXXX was deemed by XXXX XXXX as a scam school and Navient knowingly participated in unscrupulous loan practices with XXXXXXXX XXXX. Navient has been sued multiple times for their participation with scam schools.