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

XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
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. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX 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 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: Consumer Loan

CarMax auto finance has taken advantage of our family, gave us a high interest rate, we have paid over 4 years now and tried to work a settlement offer and refinance for a lower payment and they will not cooperate whatsoever. We are having financial hardships, my husband has been on XXXX leave and I am a XXXX XXXX XXXX that works only 9.25 months a year. We have tried to contact the company with a reasonable settlement to deliver the car as a voluntary repo with a settlement paid status so they do not come for the balance since the car has been paid in full from the price sold, they can still sell it and make more money off the interest. We have spoken to over XXXX customer service representatives and XXXX managers and have had no luck in getting any type of arrangement made in writing. They will not work with us at all and are very unhelpful. We feel they have discriminated against us because we are minority with this high interest rate and we have paid and made payment arrangements in good faith. They are unwilling to help our family in need we have XXXX children and my husband still remains on XXXX. We feel the offer was fair and given our circumstances and true inability to pay any longer and our family is now in a desperate situation requesting the company 's assistance to come to an amicable arrangement. We know it can be done and has been done.
Product: Debt collection

I have received approximately XXXX repeated calls all within a 10 minute time frame. When I call the number back I do n't get any information as to who or why I was contacted. The agents that answered the phone were very disrespectful, and would not provide any company information or any other identifying characteristics.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My loans are set to autopay but they are not automatically taking my payment on the date that it says. I will check a day or two later and it says I owe a past balance. I have to manually pay my payments every single month.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED A FEW YEARS AGO AND REPORTED. I RECENTLY WAS NOTIFIED THAT MY INFORMATION WAS INVOLVED IN THE XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax OVER A DOZEN disputes over the last 18 months or so. This last CFPB complaint was sent because they decided they were not going to respond to me within 30 days. Quite amazingly, they received this CFPB complaint, just to wait EVEN LONGER than the first almost 45 days from the original dispute and STILL have not done an investigation and presented me with the results.
Product: Credit card or prepaid card

This complaint is concerning my Chas Sapphire Reserve card benefits, specifically filing a claim through their Card Benefits Service ( XXXX XXXX XXXX  ). I had liquid damage to a laptop purchased with my Chase card and within the 120 day window. I provided the estimate for repairs, photos of the damage, and receipt of purchase with the card used. According to my benefits, it clearly states Purchase Protection should reimburse me for up to {$10000.00} a year. I submitted a claim and it was approved and a check for {$500.00} sent out without my approval. No explanation was given for why that amount was selected. 

My estimate for repairs was for {$1700.00} and the laptop was purchased for {$2600.00}. Chase refuses to respond to emails and their phone line never connects to a representative, even after waiting on hold for hours ( multiple attempts ). Called other customer services numbers and, when I did get an agent, was passed back and forth between representatives again forced to wait on hold for hours and eventually being disconnected or told no one was available. ( they also claim on their site to be available XXXX ). 

The Card benefits site site also prevents me from submitting a new claim for additional reimbursement. My claim number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. I also became aware of and informed that Well 's Fargo paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from Well 's Fargo on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent. My former attorney never informed me of a money settlement with Well 's Fargo and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with Well 's Fargo and XXXX XXXX XXXX XXXX XXXXXXXX. My former attorney was playing a dual roll and Represented me as a defended in the case. While also representing Well 's Fargo as the Plaintiffs in the same XXXX County Illinois Chancery case XXXX -- XXXX. 

However Nothing was done in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX case and he only worked on the Well 's Fargo case keeping all the settlement money from well 's Fargo which is fraud scam.
Product: Credit reporting or other personal consumer reports

Experian is not removing the financial paywall on the membership account and abusing me as a credit user and customer. 

They are violating their terms and conditions, the FCRA and engaged in credit fraud and credit reporting fraud for a fictitious XXXX XXXX XXXX secured loan account that I did not create, that has been reported as Identity Fraud to the FTC, CFPB, FBI and all other authorities interested. 

It still has not been removed from my credit report and is damaging my score and I am unable to find housing because of this and looking to find my first home and dealing with this fraud. 

I need help having this removed. I am contact with two law firms, but have yet to find legal representation that can fix this for some reason even though it is open fraud and multiple Constitutional violation against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Fraudulent account established {$500.00} XXXX XXXX   XXXX
Product: Debt collection

IAM NEW IN XXXX XXXX AS A XXXX  FROM XXXX, I TRY TO BUY CAR AND CHECK XXXX XXXX..I FIND OUT XXXX COLLECTIONS ACCOUNT.ONE IS FOR XXXX DOLLAR AND ANOTHER IS FOR XXXX XXXXI DON, T KNOW WHY IT SHOW, S IN MY CREDIT REPORT WHICH I NEVER GET IT OR TRY TO PURCHASE IT.I WORK AT WAREHOUSE FOR XXXX HOURS, COME HOME AND GO BACK TO WORK AGAIN.THAT, S ALL I DO SINCE I ADMITTED IN XXXX XXXX AND HALF YEARS AGO IN XXXX XXXXCOLLECTION SAY XXXX XXXX XXXX XXXX FOR XXXX $ AND SPECTURM FOR XXXX $ .I REALLY NEED HELP ON THIS PLEASE.I DON, T KNOW WHERE TO GO, WHAT TO DO.IF ANYTHING, S NEEDED PLZ CONTACT ME AT XXXX, I HAVE EVERY PROOF PLZ.HELP THIS XXXX.
Product: Credit reporting or other personal consumer reports

A few months ago, I tried to login to my XXXX XXXX app and I got a message saying XXXX and Equifax could not provide a credit file of myself. I do have a credit files, so I dont understand the mistake on the credit bureaus end. I had XXXX accounts in total on my XXXX credit report XXXX accounts on my Equifax credit report. I have attached proof of my claim. I contacted XXXX and Equifax and they both stated they didnt have a credit file. XXXX supposedly did an investigation for a week and added so much debt on my credit report that doesnt belong to me which not mine just to make a credit file ( which is illegal ). I contacted Equifax and they still havent given me information on why my credit score or account is refreshing. I called customer service at Equifax and they told me to provide my ID so I will be attaching that as well. XXXX XXXX and XXXX XXXX could not retrieve my credit information from XXXX and Equifax. 

I have been going through this tough time for months now with no response.
Product: Debt collection

Credit Collection Services reported a non payment on my Consumer Report without my permission. 
They contacted me to collect on an alleged debt to XXXX. 
I requested Proof of Claim on the alleged debt by signed Affidavit.

I requested Proof of Claim that I had a contract with either them or XXXX by signed Affidavit. 
I requested Proof of Claim that XXXX wasn't already paid for the alleged debt by signed Affidavit. 
I sent first letter of Notice of Conditional Acceptance on XX/XX/21. 
Second notice of Opportunity to Cure XX/XX/21. 
Third Notice of Default along with invoice for damages of violations according to FDCPA. 
I have not received any of the above requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SERVI Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; EQUIFAX MORT Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry Date of inquiry XX/XX/XXXX
Product: Mortgage

I applied for a mortgage with Neat Loans LLC, received preapproval and began the home buying process. 

Due to the nature of my self employment, the underwriter requested documentation about my line of work, and other clarifications. After submitting documentation, I was told the underwriter was satisfied and that the loan was approved. This included bank statements, YTD profit and loss statements, client contracts, and numerous other supporting evidence. 

Knowing we received this confirmation that we were approved, we proceeded with the purchase of the home including expending over {$800.00} on fees to complete multiple inspections of the property. 

With only two weeks from closing, I was informed on XX/XX/XXXX that the underwriter who had approved the loan had left the company and that a new underwriter was assigned to my mortgage. I was also informed the new underwriter had reversed the approval and requested that a XXXX tax return be filed before they would approve the loan. 

Unfortunately I dont have the ability to file my XXXX return yet, due to not receiving W2 and 1099 forms from employers. 

I made numerous requests to speak with the underwriter, or provide any documentation that could assist but was unable to speak with anyone else. They have decided not to honor their original loan approval and made false statements about their ability to lend, leading to me losing hundreds of dollars, dozens of hours in time investment, and a lost real estate deal. 

Its worth noting that the lending advisor stated numerous times on the phone that this was the negligence and error on Neat Loans part, and completely their responsibility. Most of these statements were made over the phone.
Product: Debt collection

Past due on a payday loan and they are calling me while at work.
Product: Checking or savings account

On XXXX I submitted letters to Early Warning because they have me listed for checking account fraud I requested XXXX  it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my Early Warning report I ordered XXXX and there is no mention of fraud Early Warning is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands
Product: Debt collection

Around the XX/XX/2022 time frame, I switched my cellular carrier from XXXX to XXXX XXXX, which is a re-seller for XXXX services as this change lowered my service costs. Consumer cellular said that they would take care of the steps needed to make the change and cancel my XXXX account. Some time passed and I was still getting bills from XXXX and after numerous conversations with XXXX, I found out they were still billing us for our XXXX watches. We finally got that settled and made sure that any remaining charges were paid and based on XXXX inquires to XXXX, our balance was XXXX. Sometime during this lengthy transition a collection bill for {$420.00} shows up claiming I owe XXXX more money. First off, I always had my payments on auto-pay and I never had late payments a, nd bills that showed up from XXXX during this process, I either paid or contacted XXXX to take care of it. Sometime in XXXX, this company, Creedence Resource Management filed a collection notice saying I owe {$420.00} to XXXX which now, has taken my hard earned credit score of XXXX down to XXXX for noting that I have done. I have repeatedly contacted XXXX and verified I owe them noting and I have no idea where this is coming from. I do know that someone is responsible for initiating this and I expect this to be corrected and removed from my credit reports. I am prepared to take legal action against this company for falsely filing a negative credit notice.
Product: Debt collection

I have no knowledge of this account and have not been given any information from the collector. No calls, emails, or mail notices have been given to me about this debt. All medical expenses go to my insurance and are paid through XXXX. My primary care provider, XXXX XXXX, also stated that I have no outstanding medical expenses.
Product: Credit card

I received an email from XXXX at my work email address stating that my Chase credit card was temporarily closed. I have a Chase credit card, but it has no balance at this time and is in no way connected to my work email so I believe that this is a phishing email intending to get my information and access my account. This email is very very good. As in no spelling/grammatical mistakes and it looks like a real Chase Bank email .
Product: Credit reporting or other personal consumer reports

I did not apply nor receive a store card from SYNCB/TJX DC Bank XXXX XX/XX/2024. This Inquiry was done without my knowledge.
Product: Mortgage

We missed a monthly payment, which started a cascade of late fees with the lender. We have attempted to set up autopay feature, which was not set up correctly, which resulted in an NSF fee for insufficient funds. 

I became aware of the late fees on XX/XX/20, and called Mr Cooper on that day. I spoke to XXXX, and he agreed to remove one of the late fees. On the same day, I attempted to set up autopay feature. While setting it up, I notice a couple of things : 1. There is no way to verify or confirm the configuration to see if it is correct.

2. There is no way to review the configuration to see how it is set up.

3. There is no documentation that describes how to set up the autopay feature.

Two weeks later, on XX/XX/20, I noticed that the payment to Mr Cooper was reversed, and I was charged {$15.00} NSF fee. I called up Mr. Cooper, and spoke to XXXX about this. She was unable to waive the remaining late fee, or the NSF fee. I am filing the complaint because I believe that the NSF fee is unfair, and the Mr. Cooper website lacks needed support to help the customers to set up the autopay feature. 

As a result, the autopay feature has the potential of gauging the customer who doesn't know how to set it up. I believe that Mr. Cooper needs to take further steps to protect its customers against unfair charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried to contact Experian several times in reference to my account with XXXX XXXX not being reported. I've spoken with an Experian Manager today in reference to the situation and he stated, I just needed to wait. I informed him that's what I've been doing waiting and I can't figure out why they are holding my information and not adding it to my report. I also wanted to find out why I've paid off several of my accounts and my score would drop XXXX points. The supervisor stated he's not sure, but what he did know is what I wanted him to do with not be done. When I tried to explain what XXXX inform me he told me I need to be quiet and act my age and stop crying about it. I could not believe someone ( a manager ) would talk to me in this manner. When I told him I must write someone for help, he reply " DO IT '' so I disconnect the call. 

ALL I CAN SAY IS PLEASE ASSIST CFPB!
Product: Credit reporting or other personal consumer reports

When I checked out my credit profile there were some inquiries listed that do not belong to me.