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

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXX  , Equifax creidt reporting agency as well as XXXXXXXX XXXX XXXX XXXX  block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, AND XX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I received a phone call on XX/XX/XXXX from office of state location services about loan repayment that was due by XXXX that evening in order to not be served with documentation for a court date for a loan taken out in XXXX. No documentation was provided about the loan agreement. Loan was supposedly taken out for {$650.00} and if paid by XX/XX/XXXX by XXXX the payment amount would be {$900.00} but if paid in installments the amount came out to {$1100.00}. If served and with penalty total amount would equal to {$2200.00}. 
I explained that I never received any statements regarding a loan from cash net advancement repayment or that a loan was even distributed to my account. The company calling to collect this debt was XXXX in XXXX XXXX XXXX. Also looked into credit report and this loan was not listed on the report. No documentation was given to me in regards to this problem. A phone call was placed to my place of employment which I was not employed at the time of the loan was supposedly taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these however, I have not been successful.
Product: Bank account or service

My bank is charging overdraft fees on the exact same days that they are posting my deposits on my account. I DO NOT HAVE NEGATIVE BALANCES ON MY ACCOUNT. I called and complained to the bank representative about this issue. He CONFIRMED that the bank was charging overdraft fees on the days that they post my direct deposits. KNOWING THIS, he refused to refund the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Transunion on XX/XX/XXXX to Remove negative information, collections, and closed accounts. as well as address reporting on my credit report that was also tied to fraudulent accounts, also the name reporting wrong upon doing so. I experienced with them nothing but threats and coercion to keep the accounts reporting. ( Collection Accounts ) XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Account number # XXXX Balance {$610.00} XXXX. XXXX XXXX Date opened XX/XX/XXXX balance {$740.00} account number XXXX I also told them that I would like the reporting accounts to be removed from my accounts based on the fact that I am a victim of identity theft. I also added a personal statement to my report stating that I am a victim. Upon removing that same Statement all the disputed accounts were subsequently updated. My rights have been seriously violated. Along with these companies not abiding by XXXX XXXX XXXX XXXX  ) as well as the ( FCRA )...
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize the following account XXXX XXXX   Last reported XX/XX/2017. Please investigate the following account to ensure there is no fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On the XXXXXXXX XXXX XXXXXXXX I received funds from my mother. When I tried to use these funds I was denied. I tried to transfer them to my business acount and I was denied that option as well. I receive a notification stating my acount was frozen so I contacted venmo and they stated that it was frozen and needed my ID to prove I was me so I complied and sent in a front and back picture of my ID and waited. XXXX hrs passed and still no response, so XXXX messages the general chat platform again and they stayed that my acount was still in review and it would take XXXX business days to get a response. I asked why was it in review and why was my acount still frozen and thy stated they were unsure but from what they could see, the notes on my account stated my account portrayed activities that went agaist community standards. I asked what activities there were and should I been concerned for anything information being breeched on my accounts connected to this account with them. They stated my accounts connected to this one wouldn't be fine but they couldn't get anymore information for me due to security reasons and they were no allowed to access that information. So I waited a few more days, contacted again and they stated the same thing but said they would escalate the issue and I should here something soon. On XX/XX/XXXX I received a message from XXXX with venmo who stated " It appears that you have multiple Venmo accounts. Per the terms of our User Agreement, we only allow each user to have one personal account. I will be more than happy to assist you with your current account and the consolidation of your additional accounts. However, in order to begin that process, you will need to settle the outstanding debt on XXXX of your accounts ''. I responded that I have no clue how to access these acount and that my personal information had been leaked to the XXXX  XXXX  and I was in the process of filing a complaint with the state police as I was instructed to do through XXXX. I told XXXX that I had no knowledge of these accounts and I had once had another account that I had lost access to and was informed by them that it not longer existed so I created this one and my 2 business acounts, i asked why my acount was flag and how did they come to the conclusion to freeze my account and what facts did they have that they felt it fair to do so. XXXX then responds with " While I understand that you are saying the other accounts do not belong to you, we have found connections between the accounts in question. While I am unable to share our internal evidence with you, we have systems in place that monitor activity on Venmo, and internal data has indicated that the accounts do belong to you. Please note that we don't reveal information about our internal systems in order to keep these systems robust ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Barclays US MasterCard to see if they had a financial hardship plan. I was advised I had to be late in on payments in order to do that. I told them I would not hurt my credit by being late just to get on hardship. I said " you know I could file bankruptcy and you would get nothing. '' I hung on the person. I never told them I was doing it or hired an attorney to do it. They never received any documentation from me or any attorney that I was filing bankruptcy. This individual took it upon themselves to cancel my auto payment that was scheduled for XX/XX/XXXX, close my account without my knowledge and report it as late and closed to the three major credit bureaus. Barclays NEVER notified me of this either in writing in the form of a letter, call or email. Now my credit has been harmed significantly by removing the available credit, reporting as past due and closing by XXXX. I told them have 24 hours to reinstate my account, change the credit reporting, refund any late fees or charges and take the monthly payment. If they do not I will file a legal grievance against them. I want Barclays to pay me for financial damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX XXXX and notified by Experian, XXXX and XXXX XXXX that there seemed to be a discrepancy in my credit report, so I printed it out. I recently had fraud on my banking checking and savings accounts, had to close them and open new numbers for these accounts. I became very concerned about this alert from XXXX XXXX and the credit bureaus. 

I found that a " XXXX XXXX '' was on my report. I have no idea what this is, for it does not belong on my report. 

The other legitimate accounts on my report my wife and I do recognize.
Product: Credit reporting

I have gone through relentlessly with XXXX on the reporting of my account. They have sent me a letter stating that the account is not reporting to any of the bureaus. Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. Transunion has me at a score around XXXX. That is a huge difference. Transunion paints me as a XXXX. XXXX  XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction  ( s  ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX
Product: Vehicle loan or lease

We purchased a used XXXX XXXX in XX/XX/XXXX and financed by Westlake Financial. Then in XX/XX/XXXX the registration was due. It seemed high but we paid it. In XXXX of XXXX it was due and was really high again. So while at DMV we inquired why. Seems their is an error on title on the XXXX XXXX so we are being charged as if it is a new vehicle. 3 times higher than it should be. To correct it the DMV told us to send the document to our finance lender so they can return title to DMV to be correct and then they will send it back to Westlake Financial and then we can ask for a refund for those extra fees. But  Westlake Financial hasn't responded to the request. We have emailed the document on 3 occasions and spoke to someone almost every week since XX/XX/XXXX. As of today, XX/XX/XXXX the DMV has not received title back to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient made several false reports to credit buruaes concerning my private student loans serviced by Navient. 

On or around XX/XX/2018, I enrolled in a reduced payment plan with Navient. I scheduled a payment at that time, to be debited towards the end of XX/XX/2018, for the reduced amount. That amount was to be debited from my checking account monthly for the next 9 months. I was told that no negative reporting would be made to credit bureaus as long as I was current with the reduced payments. 

In XXXX, no payment was debited from my checking account. I called Navient on XX/XX/2018 to discover the reason for this. It was then that I was told that the Navient representative I spoke with on or around XX/XX/2018 did not properly enroll me into the program. 

I spoke to Navient representatives on XX/XX/2018, XX/XX/2018, and XX/XX/2018. All the representative I spoke with have admitted that the false reporting to credit bureaus occurred due to Navient 's errors. However, they have all decried their inability to retract the false reporting, citing Navient 's policy. 

On XX/XX/2018, I received a call from XXXX in the Ombudsman 's department of Navient. He stated that the phone call was recorded. On the recorded call, XXXX admitted that at the time the report was made to the credit bureaus, ( 1 ) I should have been enrolled in the reduced payment program but for Navient 's employee 's error, and ( 2 ) even though I was not enrolled in the reduced payment program, my account was NOT in a past due status warranting credit reporting. 

XXXX admitted that it was Navient 's error that caused the false reporting to the credit bureaus. XXXX XXXX stated that another internal Navient department had reviewed my request for retraction and granted it. However, XXXX stated that the retraction would not take place until my account was no longer delinquent. 

My account is only delinquent at this time because of an error by Navient which caused my XX/XX/2018 payment to not be considered a full payment, caused me to miss my XX/XX/2018 payment, and caused my XX/XX/2018 payment to be the first payment in the payment reduction program I should have been enrolled in starting XX/XX/2018. 

On XX/XX/2018, XXXX informed me that the employee who did not properly enroll me in the reduced payment program on XX/XX/2018 is no longer employed by Navient. As I told XXXX, that takes care of Navient 's problem, but it does not address mine. That employee 's damaging actions will only be corrected when Navient retracts the false reporting. 

Navient 's policy should be overwritten immediately due to Navient 's error in causing the false credit reporting.
Product: Checking or savings account

I have my bank through Capital One, I usually get paid on Wednesdays, it is Friday and I have not gotten my Direct Deposit. They have only sent out 1 email in 24 hours. Some people are getting their direct deposits and some arent. Theyre still taking money from us but not giving us our money. No one is giving answers besides technical issues and they hope its on soon. This is crazy.
Product: Mortgage

I am submitting a request and complaint to investigate my mortgage servicer Pennymac Mortgage Services address XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I received a notice on or around XX/XX/XXXX from an attorneys office indicating I must pay a total of {$7000.00} as I will be subject to tax liens and even foreclosure. I am not sure what to do as I was away on XXXX XXXX  service orders the majority of the year of XXXX and my mortgage servicer has ultimately failed to practice due diligence and maintain my mortgage while away on military orders form XXXX XXXX XXXX, while also granting me a full year of protections without any penalty or threat of foreclosure. My mortgage company has offered me an addition forbearance period due to Covid-19 wherein I experience a delay in return to work due to the pandemic as the job to resume mortgage payments in which I accepted requires me to be in direct contact with customers however due to an acquired medical condition while XXXX has limited my mobility as well undergoing treatment has not allowed me to returned to work due to the recruiter for the role I accepted ultimately passing away due to Covid 19. The office is shut down and most employees have been furloughed. My mortgage servicers is fully aware of this thus putting me in a position wherein I can lose my house at anytime especially when I was delayed and currently undergoing treatment for a serious medical condition acquired while XXXX. Please help me as I am not sure what to do at this point. It may happen again this year as I have not received any tax notices however have been provided options when Covid 19 smooths over I can restore my payments even if a subordinate lien is an option but they clearly dropped the ball. It is not a matter of me not able to pay but they forced me into bankruptcy a year ago to protect myself from their unethical tactics as I placed them on notice I was leaving and XXXX  for military service and believe this is another way of them finding subverting and covert unethical and unlawful measures to foreclose on my home by any means necessary. Very Respectfully XXXX XXXX Reservist/Veteran XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of troubling issues in dealing with TransUnion : The phone number they provide is outsourced to XXXX. Their call center is XXXX ; blames you for not being able to access their website after you've created an account. 

The XXXX call center claims they will 'look into your problem ' and never get back to you. You are put on hold after answer multiple questions and then are disconnected. The call center in XXXX claimed I would receive a paper copy of my TransUnion credit report. Even if I receive this report, I will now have to do any disputes by paper and snail mail, which will take longer. 

I can not access the website and therefore I can not put in any disputes. The company has no explanation why I can not access my account on their website. 

https : //service.transunion.com/dss/login.page This company is worth {>= $1,000,000} ( according to XXXX XXXX XXXX but they can't fund a decent call center or provide better IT support or customer service?
Product: Debt collection

Contacted Titan receivables they say I owe the whole amount I was not supposed to be a cosigner I was deceived I was under the impression that what i was singing was only for a discount.That 's why actually. XXXX XXXX is on there as co-signer not me.
Product: Mortgage

One time my husband XXXX and we applied for a hardship but HFC kept asking for the same information over and over and still came back and told us they did n't have enough information. Now I 'm trying for a hardship again and I have faxed my income, mailed my income, and in the process of mailing the income again. They claim they did n't receive the fax, then they say they ca n't read the information I mailed. It 's always one excuse after another.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XXXX XXXX I received a email from XXXX XXXX saying I have a collections owed. When I went to log into XXXX XXXX I seen collections from diversified adjustment for the amount of XXXX on behalf of XXXX. I do not owe this, this isnt my debt. I went to call them and got the run around. I also called equifax with no help. I need this inaccurate information removed off my credit report! This is fraud or Identity theft. I never had t mobile phone services or had any phone numbers they are claiming.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to Equifax for validation of unverified accounts on my credit report to request an investigation. My letter was signed by notary public acknowledging my driver 's license, and address which affixed to my letter as true and correct. I sent letter certified mail which was received by Equifax on XX/XX/2020. I received a letter back from Equifax who stated that I did not send the correct documents to verify my identity or address. I did send a copy of my Social Security Card along with my valid driver 's license with a copy utility bill with stated address into which they updated my address on my credit file. Equifax did not honor my dispute letter and requested that I send two documents to verify my identity and my address. I wrote a second letter to Equifax on XX/XX/XXXX attaching two documents that they requested to investigate my dispute. The two documents that were sent was a copy of my driver 's license, and a copy of my employer check-stub that had my address on it. I also sent the original notarized letter with my Social Security Card attached. My second letter was also sent certified mail as well which Equifax received on XX/XX/2020. On XX/XX/XXXX, I received yet another letter that Equifax states that they need two documents to continue with my dispute which was the same letter they sent before. At this point not only has it now surpass 30 investigating days. Equifax has violated my right to dispute accounts on my credit report.