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

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello received a call a few months ago about a Consumer Debt reduction plan called XXXX XXXX XXXX to lower my dept by lowering the APR 's on my credit cards. I told the guy it really looked too expensive ( 5 payments of {$170.00} per month ). I asked if I could cancel at any time and the guy selling me the service I could at any time and texted me an ACH Payment Auth form that said if I wish to revoke this auth and cancel any scheduled debit to my account I can do so within 3 days of debit and to notify them at XXXX XXXX XXXX XXXX. They had me agree on the phone and they talk so fast and they said that should they not do their job I 'm entitled to a full refund. So I called in XX/XX/XXXX to cancel and the person said ok. On XX/XX/XXXX my account was debited. When I called this time. I could told I did a verbal commitment and could not cancel and they will continue to debit my account because ( I ) did not finish the business with them. They also told me they will report it to the credit bureau until the full amount was paid. Nothing is in righting and if I would have known that the contract was irrevocable I would have never agreed to such a thing. Please help me cancel with this company. All I have is a phone number and they are very rude and refuse to cancel. They make me feel like I 'm abusing them and I signed a mtg agreement. This is misleading and wrong. Please help me. They 've deducted two payments of {$170.00}. Now I may have to cancel my whole bank account and have so many auto debits it 's going to be a real hassle. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i received a alert of my TU that XXXX XXXX pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at XXXX XXXX is willing to help and the customer service is the worst i have encountered in my XXXX  years of life, there are no words i can think of to appropriately use to express my anger with XXXX XXXX.
Product: Student loan

I have been in default for the better part of 10 years. I started a program to try to bring my loans current in the spring of XXXX, I paid into the program for 10 months as this was what I agreed to do. I had to sign a 'contract ' to do this. I was told at the end of the 10 months my loans would then be in good standing once again and out of default. This was supposed to happen in XXXX of XXXX. I just found out in XXXX of XXXX that this program no longer existed and I was out of luck and apparently the money I paid into this no longer counted towards this goal. I paid all that money to bring my loan out of default, then they tell me the program is shut down? I was not even notified that this happened, I had to find this out on my own. Delta Management took all that money from me and none of it went towards my goal of getting my defaulted student loans out of default, like the program was promised to me. 

So I am still in default with nothing to show for it.
Product: Debt collection

Experian and XXXX are reporting that I owe tax liens that are incorrect. I have disputed these items with the Credit Agencies.
Product: Credit reporting or other personal consumer reports

I am writing to report Transunion for continuing to allow false reporting of information from companies that are operating under : - Fraud ( 18 U.S.C. 1341 ) - Coercion ( 18 U.S.C. 875 ) - Unlawful conversion ( CCC 956, CCC sec 9314, CCC 1717, 1788 ) - Involuntary servitude ( 18 U.S.C. 1584 ) - Unjust enrichment ( CCC 2223, 3543 ) There have been several requests for removal of information found to be fraudulent, the last request being mailed and accepted via certified mail ( XX/XX/year> ) which has not provided any results. Transunion has failed to properly ( within 15 days ) remove the information reported by these companies, allowing false and damaging information to continue to be reported which has caused significant financial harm and distress. 

Furthermore, Transunion 's involvement with these companies seems to constitute a form of organized crime and credit sabotage, forcing people into financial hardships and peonage. Notably because a written affidavit advising of rescinded contracts ( for fraud, breach of contract, and misrepresentation ) was mailed AND accepted by Transunion on XX/XX/year>, via certified mail. By the continuation of facilitating false reporting after notification via affidavit, Transunion is complicit in the exploitation, sabotage, and manipulation of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim with CFPB on XX/XX/2022, and the Complaint ID is XXXX. The JPMorgan Chase Bank had responded to my complaint on XX/XX/2022 with its official letter. However, the result did not fix the issue, and the bank itself had also violated the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The JPMorgan Chase Bank accused that the Digital Service Agreement explains if I permit any other person access to the Digital Platform and my personal information, I am responsible for any transactions or activities performed. I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised since my phone was obtained through fraud, but the bank still insisted not to reimburse the transaction even though I am under protection of the law. Private network rules and other commercial agreements may provide for interbank finality and irrevocability, they do not reduce consumer protections against liability for unauthorized EFTs afforded by the EFT Act. See 15 USC 1693g ( e ). This is the point that the JPMorgan Chase Bank should consider about.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX , Morgtgage Pass-Thtough Certificates Series XXXX-XXXX XXXX Uniform Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXXXXXX inquiry day is XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of the inquiries below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report " Dismissed '' XXXXXXXX  XXXX bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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: Credit reporting, credit repair services, or other personal consumer reports

A car dealership named XXXX ran my credit multiple times without my permission. They have even written a letter showing they were in the wrong and so I sent their letter to every auto loan company on my report, some came back with wrong addresses and others denied my request. I have sent transunion all the information and proof that these hard inquiries need deleted 3 times but yet they do nothing. Per the letter straight from XXXX says they should not have ran these, yet Transunion has failed to take them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send 2 letters with attached requested documents for my identity to Transunion. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.
Product: Vehicle loan or lease

The company gave us unclear terms on the vehicle and charged a misleading finance charge to our agreement. The person who was the main driver defaulted due to the high cost of the loan. I was the co-signer and was also mislead by the company. They threatened to ruin my credit and used high pressure tactics to try and force us to pay the remaining balance, which is almost all interest. This car company is destroying my credit reports. It is reporting open when this loan has been closed since XX/XX/year>2023. The company refused to work with us to resolve this and continued to threaten us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, XXXX  and Equifax as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, XXXX, and Equifax continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.
Product: Payday loan, title loan, or personal loan

I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face.

This company is a fraud.
Product: Debt collection

I sent debt validation letters to XXXX XXXX on XX/XX/2019. I received a response on XX/XX/2019. They did not send me proper debt validation. They only sent an itemized bill which in fact is a direct violation of my HIPPA rights. It included a diagnosis and treatment. An itemized bill is not proper validation as it is not a contract between myself and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

Hi! I'm writing in regarding a recent issue with Wells Fargo and XXXX, of which my Wells Fargo account is connected to, and a case of easily preventable fraud. 

The afternoon of XX/XX/XXXX my email was hit with a spam XXXX and I noticed a suspicious email from XXXX noting my email had been changed, amongst about 1000 other spam emails. 

The afternoon of XX/XX/XXXX I contacted XXXX and my account was frozen. I also contacted Wells Fargo to prevent any transactions from my linked checking account to XXXX, and on XX/XX/XXXX a stop order was put in to stop any transactions from Wells Fargo to XXXX, with a reference number of XXXX On the XXXX of XX/XX/XXXX I woke up to some alerts through my credit monitoring service, XXXX, that my Wells Fargo checking account had gone negative, over drafted from the linked Wells Fargo savings account, and that I was charged an overdraft fee. This was from two fraudulent transactions from XXXX, for {$1300.00} and for {$1700.00}. I immediately called Wells Fargo to report the fraud and then again called XXXX, though they are not taking phone calls given COVID, so sent an email with the above information and am yet to hear back a resolution. 

On XX/XX/XXXX I officially filed a dispute with Wells Fargo and am hopefully in the process of filing a dispute with XXXX once they return my message. 

I did want to lodge a formal complaint here. I'm not sure how the ball could have been dropped in this case to such an extent, by both companies, given my accounts were supposedly frozen, or at least the transactions restricted, on both ends, and the transaction wasn't until a few days later. 

I hope that information helps and thank you for all that you do.
Product: Checking or savings account

I was trying to use money and they denied me access to my available funds. And said I cant use them for 7-14 days with no explanation or warning at all
Product: Debt collection

Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. 

The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. 

Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.
Product: Mortgage

I RECEIVED A CLAIM FOR PAYMENT FOREBARANCE UNTIL XXXX AND I REQUESTED TO REQUESTED TO DO A MODIFICATION TO PREVENT MY ACCOUNT FROM GOING 30 PLUS DAYS DELINQUENT ON MY CREDIT AS I'M IN THE PROCESS OF GETTING A GOVERNMENT JOB WHICH I CAN NOT BE DELINQUENT ON MY BILLS. I WAS PROACTIVE AND MADE SURE TO GET THE DOCUMENTS BACK IN TIME AND NEW AMERICAN REPORTED MY ACCOUNT FOR 120 DAYS PAST DUE AFTER I SUBMITTED THE LOAN MODIFICATION DOCUMENTS. THEY DID NOT CALL OR SEND ME ANY ADDITIONAL NOTIFICATION THAT IT WAS GOING TO BE REPORT OR IT WAS MISSING A SIGNATURE. I WOULD LIKE THE PAST DUE DELINQUENCY REMOVED AND UPDATED AND THIS IS THE SAME THING THAT HAPPENED MY PARTIAL CLAIM BACK IN XXXX. XXXX
Product: Debt collection

Open date XX/XX/XXXXXXXX XXXX  Closed date XX/XX/XXXX Cb indigo credit card I payed off card amount account is still under collection request for it the item to be removed. Been more then 30 day since I payed off
Product: Student loan

My son, XXXX XXXX passed away in XXXX ( 2022 ). I provided copy of death certificate and was told loan dischargement request was approved in XXXX. I was told it would take 30-60 days to finalize. It has been over 60 days since the approval. Account is with Nelnet # XXXX under my name, XXXX XXXX XXXX. I have made full payments since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged me {$810.00} for a item I never received and it is still on my credit report from Experian and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet Experian and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX