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

I asked the 3 credit Bureaus to do a verification check on my account with Westlake Portfolio Management. They stated it was accurate. I conducted a thorough research myself and found improper inaccuracies on my credit reports. After they conducted and concluded their research. My balance is different, 2 says closed, 1 says open, the original creditor is not Westlake financial servicing. It Was US Auto Sales. Theyre 2 different servicing companies on my credit ( WPM and the WFS ). For the same company. In accordance with the fair credit reporting act Westlake Portfolio Management, has violated my rights. A states - I have the right to privacy - A consumer reporting agency can not furnish an account without my written instructions. 

When the initial call was received, I was in the middle of purchasing a house through a mortgage company. I asked was this going to effect my credit. They stated that it would not. I checked later that week and realized my credit went down over XXXX XXXX points. I was never behind or late with US Auto sales. I have proof if needed. I really need them off my credit. They have ruined my life.
Product: Credit reporting or other personal consumer reports

Yesterday, I have a notice an inquiry to my name by a company name : XXXX XXXX XXXX I never apply to this company or I never hear of this company. I have frozen all XXXX of my credit bureau. I also call Experian and put a fraud alert on my report. Experian told me I should make a fraud complain to CFPB, about this inquiry and the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX NV XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, XXXX and Transunion, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX
Product: Checking or savings account

Today, XX/XX/XXXX, I used my XX/XX/XXXX atm card at a PNC bank atm XXXX which I am also a bank customer ) to take out {$300.00} and did not receive my {$300.00} even though the {$300.00} deducted from my XX/XX/XXXX XX/XX/XXXX account. I needed these funds to pay a deductible for a doctor 's appointment that day in order to be seen. While sitting at the atm in me vehicle, I called into the branch and explained what occurred. I was told there was nothing that could be done and I needed to call XXXX to file a dispute. When asked how I am to prove to XX/XX/XXXX I did not receive the {$300.00} from their PNC atm machine when the money shows deducted from my XX/XX/XXXX account. I asked if I could have something in writing and was told no and XXXX would contact then and their atm would show in excess of the {$300.00}. 
I also used my PNC atm card to make sure my {$300.00} would not dispense if used by someone else. I completed my transaction for just {$10.00} to see if my PNC atm card would work ; however, the {$10.00} did not dispense either. When I informed the manager XXXX XXXX of this and that the machine is malfunctioned she immediately sent someone outside to inform the customers in line behind me that the atm was not working and stated she would have to report this. 
When calling my credit union they informed a dispute could be filed but my account could not be credited for 10 days. As a result, I had to take another {$300.00} from my account that day to pay my deductible for my appointment. Making my account reduced by {$600.00} v. {$300.00} which was a hardship. 
A customer should never be told, there is nothing that can be done to help them or told about their energy, or that they understand when they clearly do not understand the reason I went to the atm is because I needed my money right then, not 10 days later after having filed a dispute.
Product: Student loan

To whom it may concern I have obtain these student loans during the time when I was younger, just leaving my parents home and thought I could take over the world. As a result of poor judgement and miss leading information from my loan lender, Navient, It has lead me to filing bankruptcy three time and little to no options in a way of survival for me and my household. 

I'd call the student loan provider and ask them to give option on what to do if you are on a fixed monthly payment would be with the longest extended repayment program, which is up to 25yrs. Standard payment plan for student loans is 25yrs to 30 years brings the payment well over XXXX per month. That is something that I can never afford. 

Going to school, getting a great job and obtaining home ownership is the American dream. But for me currently it is unobtainable. I have recently read about the lawsuit that Navient was in and I too would like to be added like many others to the list to have my loans removed from my credit bureau and be free of the monster of student loans. Over XXXX of my students loans are with this company and many like it that have preyed on the weak just to get an education. 

I have a high debt ratios due to student loans, deferred student loans are not factored into your DTI, you do not have waiting periods after a bankruptcy. However, you will need a min. of 640 scores, you will need a higher down payment, and your DTI must be on point. Which I don't have. Many employers look at your credit in order to give you employment. And since I don't have that either it is a win win situation for me. 

I would like to petition to have my student loans removed, deleted and permanently take off my credit. My life would be so much manageable where I can build a better life for my family and live the American dream. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX  about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX  report was corrected as well. However, now on my XXXX  report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue multiple times with no out come on my credit report 2 times shows my last payment in XX/XX/2017 which is clearly wrong and can not be on my report more then once
Product: Checking or savings account

i UPDATED MY EMAIL ADDRESS ON XX/XX/2023 AND ALSDO DELETED THE OLD NUMBER THAT I NO LONGER OWN. 

SINCE PERFORMING THE UPDATE, I HAVE BEEN UNABLE TO ACCESS MY ACCOUNT, CHECK BALANCE, OR EVEN ACCESS MY FUNDS. 

I AM REQUESTING THAT CAPITAL ONE RESOLVE THIS IMMEDIATELY TO AVOID HAVING TO FILE LEGAC ACTION RELATED TO THIS CASE. 

I CALLED CAPITAL ON AT XXXX ON XX/XX/2023 AND THEY STATED THAT THEY DID NOT KNOW WHY I WAS UNABLE TO ACCESS MY ACCOUNT. 

THE ACCESS ISSUES ARE STARTING TO AFFECT MY LIFE AT THIS POINT. I AM EVEN UNABLE TO PURCHASE GAS TO GET HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

So the debt is on paypal and my friend that I know said that he is going to send some money through XXXX and I didnt know how much it was and it was XXXX and he told to put it into cashapp and send it to him but the XXXX wasnt from him it was from another person and the. The person said to send thier money back but I didnt have the money and they charged back and I dont have the money
Product: Credit reporting or other personal consumer reports

I recently reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

They are saying I owe I never had an apt here and they are saying I owe them money. I NEVER lived at these apt . 

GENESIS CREDIT MANAGEMENT LLC {$7000.00} {$120.00} {$120.00}
Product: Debt collection

A Rep from Tri State Adjustments , Inc. repeatedly leaves messages for me for some unknown debtor. They call several times per day.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding my credit report. Upon reviewing my recent credit report, I discovered an unauthorized inquiry listed under my name, This discovery is deeply troubling as it suggests potential identity theft and unauthorized use of my Social Security Number ( SSN ) As a victim of identity theft, I take the security of my personal information very seriously. I have already taken significant steps to protect my identity, including closely monitoring my accounts and promptly reporting any suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There is a XXXX account on my credit report that is not mine. please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Product: Checking or savings account

PNC added a fee to my checking account without notifying me. I didn't notice the fees till about two years later. There were 21 monthly fees of {$25.00} each, totaling {$520.00}. PNC refunded me {$75.00} but notified me via phone that they couldn't refund the other {$450.00} because it " relied on the customer notifying PNC. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card

Timely payments on this account have always been my priority, ensuring they are never overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. As per XXXX5 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XX/XX/2018.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload.The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Debt collection

I was alerted by the 3 credit agency that Sunrise recently placed a debt on my credit report. This debt was already settled with XXXX XXXX and also per MI law you have to have a license to collect. Sunrise does not have that.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 separate hard inquiries were made on my credit report that I did not authorize.

2 on my XXXX  made XX/XX/2021 1 on my TransUnion made XX/XX/2021 -XXXX XXXX XXXX/XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX
Product: Debt collection

PROCOLLECT , INC XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I have paid this. and they still have this on my credit report.
Product: Student loan

To my knowledge, I was never late on my XXXX student loan with account number XXXX**** ( Opened XX/XX/XXXX ), 7XXXX**** ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ), XXXX ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ). But I realized that I was reported as being 120 days past due in XX/XX/XXXX and 150 days past due in XX/XX/XXXX which is not true because I was supposed to be in deferment but then I got current right away. And then I was reported as being 90 days past due in XX/XX/XXXX when I had already processed my paperwork to consolidate my student loans which was finalized on XX/XX/XXXX. 

I have had student loans since XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Mortgage

Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.
Product: Credit reporting or other personal consumer reports

The following inquiries in my file is fraudulent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX My name is XXXX XXXX XXXX XXXX XXXX The following names are not my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX
Product: Vehicle loan or lease

I sent an email to captial one so i can get my missed payments removed from the account. They are from XX/XX/XXXX through XX/XX/XXXX. I lost a job and my apartment and could not make payments. They tried working wiht me. I have asked them to remove my late payments they replied with letters stating they report all acurate information and to send the dates that was not accurate. The same thing happened in XXXX of XXXX through XX/XX/XXXX. This was due to me moving and again lost another job. Now I am looking at working for myself as a XXXX  XXXX. I have asked for help in spite of covid19. I wrote them a letter on XX/XX/XXXX stating all of the dates i was late and asked for a removal. They gave me a letter saying thatI need to provide my information again. Im not sure why i keep getting this letter.
Product: Debt collection

The debt is for my grand daughter XXXX which was in the hospital due to a medical issue and should be reflected on my sons credit report. I am XXXX XXXX XXXX XXXX and he is XXXX XXXX not mine. I talked to the collection agency and was told the debt is mine. I disputed it with the credit agencies and was told it was a valid debt on my report. the only identical thing here is my son has my name, making him a junior, not a senior.