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

I've previously filed a complaint on Transunion dated XX/XX/XXXX on CFPB for poorly received " updates '' yet a continuation of the listed violations. Previously I had received from Transunion investigation and response on CFPB on XX/XX/XXXX. With proof of claim and complianceof the listed inaccuracies of the Credit Reporting Agency Transunion had accumulated of violations without my knowledge OR consent after I had filed this CFPB complaint and Transunion had complied, agreed and delete off the listed violations I had listed ( Credit Reporting Agency Transunion + XXXX XXXX XXXX ). 

As well as with the Furnisher of Information to credit agencies Progressive Insurance company. As this is complete proof of claim of Transunion. So what would make Transunion any different with the listed violations iv found now this time with the same student loan accounts that were closed on XX/XX/XXXX but now reopened? As XXXX found with XXXX XXXX XXXXXXXX car loan that was opened and listed with late payments against my given consent and in violation of 15 USC 1681 section 04 a section 2 stating : " In general Subject to subsection ( 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. '' again ( Furnisher of information to credit agencies ) or XXXX XXXX XXXX as listed on Transunion. BOTH the financial institution and the Consumer reporting agency Transunion did NOT have my consent or written consent for that matter to furnish this information. From the Privacy Act of XXXX " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains '' As a matter of fact the CFPB complaint iv submitted on XX/XX/XXXX I had already strictly stated to opt-out specifically to TransUnion credit reporting services completely. In accordance with 12 CFR 1016.7 " A consumer may exercise the right to opt out any time '' Transunion is continuing to provide reporting after iv already had student loans previously listed deleted off and status updated to paid as agreed as well is in defiance in removing XXXX XXXX XXXX open account that is in violation of the following i had listed 12 CFR 1016.7, Privacy Act of 1974 and 15 USC 1681 section 04 a section 2 against my given written instructions to furnish the following information in the first place. As well as the Dates, Amount payments, and Derogatory remarks from XXXX, Transunion as well as XXXX regarding the XXXX XXXX XXXX open account on my car loan account from are all in contradiction with each other and falling under inaccurate reporting of 15 USC 1681 ( 1 ) As I wasn't provided with any proper consent on a 30 day basis in having the right to opt-out 12 CFR 1016.7 I will restate this again clearly. Transunion I am now opting out completely of your reporting services.
Product: Credit card

I am being sued by ABSOLUTE RESOLUTIONS INVESTMENTS , LLC, for XXXX XXXX credit card on XX/XX/year>. I have had my personal information and identity stolen and also had breach of my personal information by the top credit companies bureaus such as XXXX and XXXX my personal information hash been breached.
Product: Vehicle loan or lease

On my XXXX XXXX and XXXX credit report it is showing that Credit Acceptance Corporation is knowing and willfully reporting false, inaccurate. 
and misleading information on my credit reports. On my reports it is showing that a loan was given, when there was no loan given as the transaction was a retail installment sales contract. 

Pursuant to 15 USC 1611 states : Whoever willfully and knowingly- ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting or other personal consumer reports

XXXX continues to report false information on my credit report. Attached is a screen shot of my credit profile. I have sent a copy of my drivers license, two utility bills, and a copy of my social with the correct address, phone number, and employer. XXXX continues to report addresses that I have never lived at, names I have never gone by, and accounts that do not belong to me. 

XXXX. 

Names : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Aargon Collections XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - XXXX XXXX  - Highest balance {$100.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3500.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX At this time I am asking that XXXX do their due diligence and delete this from my credit report. XXXX allows creditors to exploit victims of fraud and continuously place fraudlent credit items on consumers credit reports. XXXX allows debt collection agencies to place fraudulent files on consumers credit reports and do not verify the debt. XXXX never mailed any verification information to me or anyone given permission to by me to accept any mail on my behalf. XXXX continues to cost me money by allowing creditors and collection agencies to put credit items on my file and do not verify those accounts. I XXXX XXXX XXXX maiden name : XXXX have never had an XXXX  account or an account with XXXX that the XXXX continues to allow to go on my credit file. This is fraud ... and XXXX have not and will continue to lie about investigating files that they never investigate. XXXX should be closed for there deceptive tactics.
Product: Credit reporting or other personal consumer reports

Since I created my Experian account, they have added a multi-factor authentication step. The phone number they have is my home phone ( VOIP ). it can not receive a text. There is an option to send the verification code via phone call, but the call never arrives. I called their support number, which could initiate a password reset, which worked, but I still can't get signed in because of the XXXX problem. The voice assistant refuses to connect me to a human who might be able to help. I am effectively barred from accessing my credit report.
Product: Debt collection

LVNV Funding LLC, XXXX XXXX XXXX XXXX SC XXXX Has been sending collections notices in the amount of {$540.00} .the collection has been reported as due balance. I don't know this company .this company does not have a contact with my signature.
Product: Checking or savings account

In or around XX/XX/2018, my account was overdrawn, however, Wells Fargo continued to assess fees and process payments on the account. On or about XX/XX/XXXX, Wells Fargo debited my already negative account to transfer funds into a Traditional IRA, which caused me even more harm and fees to my account. Mind you, the account XXXX and they decided to transfer funds from a checking account with no money to a Traditional IRA. I spoke to someone in the executive office who claims everything was done through ACH, versus a transfer. Meanwhile, I asked them to reverse all of this because the action caused me to add another {$60.00} in overdraft fees. Wells Fargo 's response to me was go in the branch and do a withdrawal, but to my knowledge and understanding of that account, I would get a tax liability for an early distribution, plus the negative fees already assessed. Because of their actions, they have caused further irreparable harm to me, which would consistently increase the fees on the account. The irony here, is that when my account was overdrawn almost {$700.00} in the month of XXXX, the bank continued to honor payments, but by the end of the month of XXXX, the account was given funds, and it was overdrawn, however, the bank covered no payments, but just added almost {$600.00} in fees.
Product: Credit card or prepaid card

XX/XX/XXXX : Hilton Honors American Express Card ( HHAEC ) applied for and approved in the amount of {$11000.00} via XXXX XXXX XXXX XXXX ( XXXX ) Update Session*. 

HHAEC closing statement date : XX/XX/XXXX. New Balance : {$10000.00}. Minimum Payment Due XX/XX/XXXX : {$260.00} XX/XX/XXXX : emailed XXXX ( XXXX ), apprised XXXX our bank denied our {$11000.00} loan application, therefore we requested assistance in cancelling our recent XXXX, FL XXXXXXXX timeshare purchase. 

XX/XX/XXXX : XXXX responded our option is to resell this unit at the current resale value of {$3500.00} to {$4000.00}, latter amount was not reasonable. 

1XX/XX/XXXX : Ms. XXXX XXXX, of the Legal Office at XXXX XXXX XXXX XXXX XXXX located on XXXX, HI. Ms XXXX contacted HHAEC  on our behalf to erase our credit card balance because of the fraudulent manner my wife and I obtained the HHAEC and more importantly we are retired and are living on a fixed monthly income. In response, HHAEC reduced our 29.99 %   interest rate down to 18.74 % and also for the month of XX/XX/XXXX gave us Credit Adjustments for Purchase Finance Charges for {$750.00}. 

*XX/XX/XXXX : XXXX Update Session began at XXXX XXXX, ended at XXXX XXXX. It was 5 hour long brutally hard sales pitch by multiple XXXX individuals to my wife and I towards purchasing this XXXX XXXX timeshare. The main salesman, XXXX XXXX XXXX / RS # XXXX / effective : XX/XX/XXXX, Expires : XX/XX/XXXX. We informed Mr. XXXX that we were not in a good financial position to make this purchase at that time and we would need to apply for a loan from our bank. Following 5 hours, Mr. XXXX came up with a proposal that would help us make the down payment for this XXXX. Mr XXXX told us to fill out a HHAEC application, if it comes back approved, we'll have the down payment via the HHAEC. At this point my wife and I just wanted the exit session, our brains were exhausted from the constant sales barrage, so we gave in and agreed to purchase the XXXX timeshare. 

We feel we should be excused from all future payments to HHAEC   because we coerced into applying for this HHAEC by Mr XXXX XXXX   self serving and fraudulent behavior. 

XX/XX/XXXX : Our XXXX XXXX timeshare was recorded foreclosed.
Product: Student loan

On or about XX/XX/XXXX, I began requesting an income driven student loan payment plan. On this same day I finished the application and uploaded my XX/XX/XXXX tax return. I received an email from Nelnet stating that I needed to do nothing else and the process can take several weeks to review. I waited for the review to be concluded per the email. 

In XX/XX/XXXX, I received a hit to my credit report for late payment of my student loan and that it was between 90-120 days late. I immediately contacted Nelnet because I did not understand why my loan would be charged as late when I was waiting on them to complete their review. 

A late payment to my student loan account means that I have multiple late payments for the same loan. So I may have 13 late payments which harshly affects my credit. I was able to get the deferment taken care of until the income driven payment plan was finalized. The deferments go back to cover all the dates that there behind. 

I have proof and documentation showing that I had finished the application and was told that it can take up to 3 weeks to get it finished. My taxes were upload proving my income. While I am waiting they just send in the late payment information to the credit reporting agency.
Product: Debt collection

I 've been contacted multiple times from Pinnacle credit in regards to a credit card that was opened in my name from identity theft. This debt was owed to XXXX XXXX XXXX and XXXX cancelled the debt once they contacted me about it and I provided them the copy of the police report showing the identity theft. Now, 10 years later, Pinnacle contacted me multiple times and attempted to coerce me into paying it, stated that they would accept partial payment and asked me to verify that the debt was mine. Multiple times I advised them that I do not owe the debt, that it was due to identity theft and had been written off. I even sent them a copy of the police report to show that and they continued to contact me. Finally they contacted my wife by phone and told me and my wife both that if we did not pay it that they would be taking legal action against me. Again, this debt is 10 years old, outside of the statute of limitations and was already written off as identity theft. I asked them what legal action they were talking about and they stated that they could sue me at any time unless I agreed to a payment plan with them. I advised them again that I would not communicate with them any further and that if they continued to contact me again that I would be filing every complaint possible against them including to the FTC and state authorities. Now I have received in the mail a XXXX cancellation of debt form stating that Pinnacle has discharged the debt for the amount of {$7500.00} and that I am responsible for paying taxes on that amount. This is in line with the FTC complaint referenced here : XXXXs
Product: Mortgage

PHH Home Loans provided false information on my XXXX XXXX, XXXX loan application stating that I had six years on one job whenthey knewI provided them my tax information ( XXXX ) and bank information of my various employers XX/XX/XXXX when I received my pre approval letter. Please see attachments. They did not include all of my employers on my application that I provided them. I received the loan application with my information already filled in by PHH Home Loans. All I had to do was sign certain pages. This is another example of PHH Home Loans intentionally providing false information and being deceptive, which is proving to be a pattern for them. Please see attachments. Their actions have caused me to be homeless and to max out my credit cards due to living out of a hotel since XXXX XXXX, XXXX, which my loan officer knew about prior to PHH Home Loans denying me for a loan in XXXX XXXX, XXXX I qualified. Please see attachments.
Product: Debt collection

On XX/XX/year> a Collection account was credited in a similar name to mine but isnt mine. I be requested information about this fraudulent account but has have no luck resolving the issue with them. I notified them Im a victim of identity theft for about XXXX yrs now and goods /services have been requested on my behalf due to fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I 'm having continual problem gaining access to my funds. I just opened this checking acc't last week, and since then it has been one hassle after another. I was approved for the checking account, then all of a sudden I can not access my funds. I 've spent 2 hours today working on this.
Your Bank wants for information. Why did n't you asked for the SSN and State ID or Drivers License before you accepted my deposit of {$25.00}. I feel that I '' m being profiled unfairly and that if it was a XXXX last Name you would n't be putting me through these changes. This is n't right period. 

I 'm tired of the runaround I 've been given today. I want access to my Account by XXXX today or I am filing a Complaint with the Consumer Financial Protection Bureau. I 'm sorry for this, but it 's not right what you are doing. For the record my SSN except the last 4 digits is : XXXX. My Kansas ID is : XXXX XXXX XXXX XXXX XXXX XXXX ( my new address that I provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX or XXXX which is my preferred contact number. 

It 's a shame it had to come to this. I prefer to be contacted at the preferred contact number or this email address ( XXXXXXXXXXXX ) For the record, I 've enclosed my Kansas ID ( with my former address, city, and state ) and my Birth Certificate that proves I 'm a Citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX 2019 received completed compliant from XXXX   XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX2019 when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. XX/XX/2022, I filed a Validation of Debt to the XXXX 's but still no response coming from them and refused to remove these inaccuracy items from my credit report.
Product: Credit reporting

I AM DISPUTING XXXX REPORTING. 
I have a collection on my report from Portfolio Recovery Associates on XXXX. The account is not mine and it was closed and removed by Portfolio Recovery Associates on XXXX other credit agency but not on XXXX. The credit card charges are from XXXX XXXX. 
Portfolio Recovery Associates were supposed to make sure that that account will be removed from all credit reporting.
Product: Credit reporting or other personal consumer reports

Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX  and XXXX ) XX/XX/2024 XXXX XXXX I have attached the FTC fraud report for the above.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the EOS CCA with a Balance of {$83.00} still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

There is no way to dispute this on the online equifax reporting method and I could not obtain a phone number to call. There are numerous accounts on my credit report that are no longer considered in my average account age
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get 5 fraudulent accoutns removed from my credit report for years. I have sent letters with no response. Sent police reports and FTC reports. Called, etc. I spoke with a rep today and filed a fraud dispute AGAIN via report number XXXX on the following accounts XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting the same account The rep advised me the reason I have not received results is because they didn't receive reports I have even uploaded numerous times through this forum. He advised me to file another FTC complaint with Identitytheft.gov which I have and submit it via www.experian.com/upload but that site will not allow me to upload so I will upload via here and pray you send it to them and they actually read it this time. I also mailed it to them via mail also. 

My last police report was from XXXX of this year and I submitted that also
Product: Debt collection

On XX/XX/XXXX I received a letter from a third party debt collector by the name of The Best Service Company from XXXX XXXX California. 
It states I owe XXXX from XXXX XXXX XXXX XXXX. 
To this date I have no knowledge or admittance of ownership of this debt. 
It states it was from XXXX and it states they are charging a additional XXXX in interest. 
I also checked with XXXX XXXX if this debt was listed with them, it shows nothing in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3 ) XXXX XXXX   XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX, nor did I XXXX them permission to utilize my name. This violates XXXX XXXX XXXX. This account is displaying inaccurate information causing XXXX XXXX. Under FCRA laws a civil XXXX XXXX follow with damages of {$1000.00} XXXX XXXX XXXX. I demand this account be deleted as I have no financial obligations to this alledged creditor.