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

TransUnion dropped my credit score XXXX points in XXXX day and could not explain why my credit score dropped so much. There had been no changes to my credit, I had not added or missed any payments. This is complete Fraud!!! I was in the process of getting ready to buy a truck, and had to back out of the deal due to the fact it was going to cost me thousands of dollars in finance fee 's due to the drop from an XXXX  credit score to a XXXX  credit score. When I contacted TransUnion, they could not explain, or even see my change in credit score. The only reason I was able to see it is I utilize XXXX XXXX to get notified when my credit score dropped. Furthermore, they would not file a disput for the drop in credit score, and essentially did nothing to help me! These people control peoples lives, and purchasing power. They need the ability to quickly adjust, and explain any impact to credit scores. The lowering of my credit score of XXXX points will delay my ability to start a company, that I needed to purchase the truck for. Plus, I was going to start another company at the end of the year. There is no logical explanation as to why my credit score dropped XXXX points in XXXX day. They need to fix this immediately!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX this commpany has updated the false information on my account more than 7 times on my credit reporting. I have advised you that this information is false and i do not own this account. and i provided discrepancies in reporting to detail the falsehood of this account. Now the company has been harrassing me by frivilously reporting excessively updating the exact same information multple times, thus causing my credit score to fall tremendously. i am demanding that this account be removed from my report. I do not own this account. I have no knowledge of the account. I have never owned a XXXX card. This account is not mine. By leaving this account on my report you are hindering my chances of getting a loan and you are in turn messing up my credit even more by the constant updating of the exact same information! All that was updated were the dates. The account was not deleted from my file.
Product: Student loan

I owe. Approximately XXXX on my loans. I was told it had a fixed interest rate. This has not been the case. Navient bought my loans a few years ago and I have requested a few times a copy of my MPN. I have not received it and don't believe I have been heard by Navient about my complaints Also, I was unemployed a couple years ago and tried to do a deferment and although I qualified by ever requirement I was told my only option was a forebarence which has significantly increased my loan amount. This has not been resolved and Navient has hounded me about my payments and offer no information I have requested. 

I want to understand why they wouldn't let me go into deferment. I want to know why my interest rate continuously changes and what's can do to get ride of Navient as my provider as I believe they don't have my MPN and that why I'm not getting a copy. I believe that I was unlawfully forced into a forebarence when I qualified for a deferment. 

Tons of issues and no help from my provider. Please assist
Product: Checking or savings account

I've had to chime account since XXXX and it sat idle until XXXX of this year and I started using it again then I was incarcerated on XX/XX/XXXX and there was a bunch of fraudulent charges made so I tried to dispute them through the app and it would not allow me so I had to go through customer service which was a nightmare and they just kept telling me that my account was being closed due to fraudulent charges but when I tried to dispute them through the app it wouldn't let me and it took me forever to get them to transfer me to somebody who would dispute them finally they told me that it would take up to a week maybe more for them to come to a resolution well I checked this evening and they had decided that all the fraudulent charges were not incorrect even though I was incarcerated. They never asked for any proof of my incarceration they never asked me anything except for was my card stolen or lost and I told them yes but apparently over XXXX transactions that are totaling {$200.00} or more that were made while I was in jail or not fraudulent to chime.
Product: Vehicle loan or lease

in   XXXX   I went to a used car dealership in VA called  XXXX   XXXX  Auto they promised to sell me a car at a low payment and had a plaque saying they were military friendly and provided the best rates for military when it was time for me to get someone to finance my loan they said they had a bank they worked through that gave military the low interest loans so I accepted and they told me to go wait in the waiting area and then an hour later they called me back in to the office at  XXXX   XXXX  and they already had a contract drawn up and ready for me to sign the interest was really high but they said that within 90 days expect a call from the Snacc the bank they used to lower the interest rate of the car loan never got a call and i called the bank and the sales rep we had talked to denied stating this to me i was stuck with the car till the loan was paid for i tried to return the car to the dealership but i was told i was being stupid and had many degrading language used against me i was  XXXX  and while on  XXXX  they had missed up with taking the money out on the  XXXX  of every month i got a message from my mom stating that  XXXX  had called her and my brother, my aunt, my grandmother stating they were going to repossess my car and i had my mother contact them since i did n't have much phone service and if i did it was for a limited time and i was on hold for the duration of my phone calls with the bank my mother worked with them to figure out a payment plan so that when i got back from  XXXX  i had a bigger debt to settle with them and the new debt included about  XXXX  plus extra dollars a month for late fees they had contacted my entire family and that legal action would be taken against me i had my car repossessed and had to pay about  XXXX  grand to get the car back when i was only 2 months behind on payments i had to pay the bank about  XXXX  grand to get my car back since i had no way to get to and from work and then i had to pay another  XXXX  plus to a towing company in cash for getting my car back i found new scratches on my car but was told that the towing company was n't at fault and when i got in touch with the bank that they were n't either the military messed up my pay for 4 months so i had contacted   XXXX    and asked for some lenience and was told there was nothing they could do and had my ccar repossessed for the  2 ti me i have been trying for weeks to get in touch with  XXXX  to get my things out of my car when i call   XXXX   i was sent automatically to the repossession sector without letting me talk to a representive and and told to leave a voicemail and if i leave multiple it would take them longer to get back in touch with me that was almos t 2 wee ks ago i am still waiting to hear back from the bank my credit has taken a huge hit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and seen an account that was not reporting accurately. The delinquencies payment shown on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES act, which was signed into law on XX/XX/XXXX and ended XX/XX/XXXX amended the Fair Reporting Act ( FCRA ) crisis under these circumstances. Please update this information to PAID AS AGREED for the following time period : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX
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 AUTHOR : # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX DEPT OF ED / XXXX : # XXXX, # XXXX, # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX 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. 

These inaccuracies are preventing me from obtaining a credit card and purchasing a home for my family.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

For the past 12 months PHH has held up my mortgage loan modification. They make my husband and I jump through hoops to get our modification approved, including having us notarize the same document nearly 10 times with no proper guidance. The last time they sent a notary, they asked for the document to to done in a manner that is not ethical or legal. When PHH sent the notary, they did not extend the deadline for my modification to be submitted, even though the document was due the next day. PHH has grossly mishandled our mortgage modification every step of the way with no help or answers to any of my questions. This issue has significantly impacted my family and credit. My husband and I are not able to make any major purchases, since our credit shows we are in default, although we have been making payments that are not applied to our account. Also, due to Covid 19 my families income has changed significantly, so I don't know if PHH will approve us under the same conditions or interest rates that we were previously approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and through background check ( XXXX/XXXX/XXXX ) I was notify their was an eviction on my record XXXX Bank of Amercia, foreclosure property, XXXX XXXX XXXX Ga XXXX. I did live at this residence as a guest, briefly ( I never had any ; lease, mortgage, or any type of financial obligation to this property ). 
I moved in XXXX ( purchase home XXXX XXXX XXXX XXXX ga XXXX ). I reside in my home from XXXX until I sold it in XXXX. I was not living at this property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) when this eviction notice was serve and should not been listed as resident, I had long moved. And I do n't /did n't have any type of mortgage with them. I tried to this with BOA, no help. Also with XXXX XXXX they informed they just serve papers, they do n't verify we 're the names are correct. So I need help getting this wrong eviction off my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 MoneyGram debited my checking account twice in the amount of {$210.00} each time. A total of {$420.00}. In my MoneyGram account, it shows only one payment was sent for that amount.

I contacted the number given for customer care. My first call was taken by a person whom I could barely understand. It was clear she could not do anything to explain or fix the problem. She gave me another number to call. This call was also answered by a person whose first language was definitely not English. He told me to call back in three days. He gave me no assurance that the error was going to be corrected.

Since this was not an error on my part, I find it very upsetting that this seems to be of no priority to MoneyGram to rectify their mistake and very vexing that I am out of pocket for {$210.00} that I had not budgeted for. Even more concerning is are they going to ever fix it?
Product: Credit reporting

i just ran a credit report and one of the address on it its wrong never been there so iam very concern about identity theft .The report from equifax and the wrong address is XXXX XXXX XXXX XXXX fl XXXX and also they are a few different names on it
Product: Debt collection

Firstly, to the CFPB, this is not a duplicate. Listen, Resurgent Capital Services L.P. has an OBLIGATION under the law to me as a consumer to provide me with what I requested. This company is now stating that they will not investigate again, which they ARE NOT supposed to do. They HAVE NOT provided me what I have requested. They are claiming that my CLAIMS have been " substantially the same '' when I have HAD to repeat myself because they keep coming back with a lack of proof, validating and verifying the account on my credit reports! You all ONCE AGAIN sent me an attachment with bills and statements, which are NOT viable proof of an account 's validity under the FCRA! The addresses are even different on the BILLS and STATEMENTS. Verify that that address has ever been mine. They've not even provided proof of THAT. My credit reports are at stake here -- NOT theirs -- and I will sue for damages if they keep this up because they are NOT supposed to report accounts that do not have original, signed consumer contracts on file! In addition to this complaint now is their refusal to cooperate and give me due process while I have been doing my due diligence for over 7 months! The next step is litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already dispted inquiries on my credit report with transunion that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries.

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I want those inquiries listed above removed immediately. The responses I keep getting from Transunion is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX  for frequently asked questions about your credit report.
Product: Debt collection

This company has garnished my bank account for a Capital One account that does not belong to me and viewing all of the other various other complaints against this company, I am not the first person that they have done this to. My first phone call was to my bank and they advised me to contact the court house which I did. When I gave the court house the Case number associated on the paperwork I received from my bank she advised that the case was named to someone with a similar name to mine, but not in my name. She also advised that the case was from 2007 and that the summons for the court case was not ever served to anyone and she could not explain how that happened and could not offer any additional information and advised me to contact the attorney handling the case. I contacted the attorney and spoke to a representative that could not provide any information other than to set up a payment arrangement on an account that was not mine which is absurd! I asked her for the process servers name and telephone number so that I can get the information on who and when this summons was served and she advised that she did not have that information and transferred me to an actual attorney by the name of XXXX XXXX ( who is not the attorney listed on the paperwork I received from my bank. ) He could not find my account in their system whatsoever. He listed addresses and last XXXX of social security numbers asking if they were mine but none of them were ( the name on the paperwork is not my name and this account does not show up on my credit report either but somehow it is being garnished from my bank account. ) XXXX XXXX could not offer any help at all because he could not even find the account with their file number that was listed on the paperwork. He asked me to scan and email the paperwork that I received from the bank to him which would not be a problem except for the fact that I do not have access to a scanner and my only bank account is overdrawn and my bank said that they can not release the funds until they receive a release from the attorney 's office ( that apparently ca n't find the account. ) Meanwhile, I am being charged with late fees, overdraft fees and have NO money and no one can assist in resolving this. I have already filed a complaint with the XXXX so my next step is to contact the MI Attorney General along with getting an attorney referral in my area for someone that specializes in these types of twilight scenarios!
Product: Checking or savings account

I deposited a {$50000.00} check written to me on a XXXX account on XX/XX/XXXX to my Wells Fargo personal checking account. The check is written by my partner and XXXX cleared the check on XX/XX/XXXX and my partner sent me a screen shot of his XXXX account showing the {$50000.00} sent to WF already. However, WF refuses to make the funds available in my account till XX/XX/XXXX without giving any explanations. For me, holding deposited funds without any reason or explanation is a financial and banking fraud that needs to be investigated by regulators.