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

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " XXXX/WESTLAKE FINANC '' I do not recall authorizing or " someone is using my identity ''. I understand that " XXXX/WESTLAKE FINANC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to XXXX/WESTLAKE FINANC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested XXXX/WESTLAKE FINANC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

XXXX/WESTLAKE FINANC - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " XXXX/WESTLAKE FINANC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Mortgage

Complaint is against Statebridge Company for poor customer service. Refinanced my primary residence mortgage. After funding on the refi on XX/XX/XXXX, I noticed that my regularly scheduled payment with the servicer ( Statebridge Company ) came out of the account the following day. I required about the refund process on XXXX via email to the email address advised to contact ( XXXX ). No response a week later, so sent a follow up email on XX/XX/XXXX. No response a month later, and sent an additional follow up email on XX/XX/XXXX. My account is still debited for the XXXX payment and I am simply trying to get resolution on if I am due a refund as the payoff for the refi had interest up until XXXX and from what I can tell from my XXXX payments the interest is in arrears.
Product: Prepaid card

Hello! I received this gift card from XXXX in the amount of {$300.00} for XXXX in XXXX. My mother in law purchased the prepaid gift card at XXXX, and loaded {$300.00} onto it. However, the funds were stolen from the card on XX/XX/XXXX in a series of transactions at XXXX XXXX in Oklahoma. I went to use the gift card and there was a total of {$4.00} on left out of the original {$300.00}. At the time that the funds were used /stolen- the card was safely stored in the house and had never left the original packaging. I attempted to call XXXX XXXX XXXX and they requested personal information which I refused to give them. Upon doing a quick XXXX search their name comes up multiple times in a fraud situation and funds are frequently stolen from these cards.
Product: Money transfer, virtual currency, or money service

I was scammed by a moving company to send a deposit for a long distance move in XX/XX/2023. I sent monies to another BOA account. Only to discover on the day of the move ( XXXX XXXX ) no movers. XXXX XXXX XXXX XXXX XXXX has not answered the phone since. This is not a real business. I put on a fraud claim to BOA for the scam and today they told me it was denied because they couldnt recover the funds. Because we both are with BOA it seems as if the bank doesnt want to take the loss. But I should not be punished because the scammer also has BOA. When someone is scammed, they are suppose to give them the money back/make the other account negative if need be. I received NO SERVICES WHATSOEVER
Product: Debt collection

Hello, The collection account submitted by XXXX XXXX XXXX/Perfection Collection Collections in the amount of {$1100.00} is not my account, it belonged to my ex husband. I requested this company to validate this debt and the company sent me information reflecting that the account was delinquent in XX/XX/XXXX and written off in XX/XX/XXXX, NO signed contract exists for this account. The Customer billing history submitted reflects the first delinquent balance in XX/XX/XXXX and the account being written off in XXXX, not XXXX as they are reporting on my file. With the dates on the billing history it appears it is at least XXXX years old. They also are unable to provide a signed contract to validate this debt is in fact mine. 

This seems to be false representation and they are trying to use scare tactics to get me to pay an extremely out dated account that belonged to my ex spouse.
Product: Vehicle loan or lease

Prestige Auto has failed to update the past due history on my account. Prestige Auto received a payment from my insurance company in the amount of {$16000.00}. Prestige is currently showing inaccurate past due history. I have tried several times to have this information updated however the correct updates have not been done.
Product: Student loan

Navient claims that they had called me several times. After calling my parents who gave them the correct number to call they then began to call anyone who seemed to be related to me. Then today after I 've told them before not to call me at work, they did. I can get fired for handling personal calls at work. The man I spoke to was rude and threading. While the company is opened until XXXX they told me I had only until XXXX to speak to him. After multiple times of repeating myself, I 'm now reporting them because I 'm sure they are doing this to others as well. My other problem is that this man says his name and then straight up asks for my social security number. With this day in age, how do I know who they are. I 'm not going to assume that they are who they say they are just because. Navient has also threatened action on my father. On multiple occasions I 've tried to work with them but they are nothing but awful and mean.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$22000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 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 # ( private case number ) 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: Debt collection

I am a XXXX veteran, who was scammed by a care provider. In viewing my credit file, Credit Corp Solutions showed up. I do not have knowledge of any debt with Credit Corp solutions. Being scammed, and having my credit ruined was a fine thank you for a veteran who took three grenades for America. I trust Credit Corp Solutions, will do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Egg Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from Best Egg Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from Best Egg Representatives as well.I fear I might lose my life and die because of the constant harassment and XXXX XXXX I been receiving. Best Egg has reported the fraudulent debt and accounts to XXXX and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. Best Egg is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  as reported on my credit file with both equifax and XXXX has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX card accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX XXXX, I fell victim to a multi- layered Scam operation which involved me making deposits for a total amount of {$63000.00} USD, from my XXXX XXXX XXXXXXXX account to JP Morgan Chase Bank at the instructions of the Scammers
Product: Credit reporting or other personal consumer reports

My business account with XXXX was reported late pay on my PERSONAL credit report. I have disputed this with Experian, however the XXXX Account stays on my XXXX report. 

Product : XXXX XXXX credit card.
Product: Student loan

My son needed a co-signer to sign to help him get loans to go to school. That was in XXXX. I have been making payments on this loan since XXXX.. It started out with one co. and now it has changed hands three more times and Navient has it now and they just seem to be the biggest thieves I have ever seen. The original loan amount was XXXX.. and now it is down to {$11000.00}. ( this co. got my account in XXXX ) all except a few months, I have made more than the minimum payment.. I know it was down to {$8000.00} with one of the other loan. co. 
This company is charging it on the whole amount.. They said my pay off should be in XXXX. and charging me 10.5 % interest.. When I try to talk to them, they won't give me the answers because the loan is in my son 's name, but they want me to pay because I am the co- signer. ( his other loans are being garnished from my paycheck at 15 % per check ) .. 
It doesn't seem fair that when a parent tries to help their kids go to college with a parent- plus loan, then when the bills come due it is the parents problem and the kid isn't responsible or their credit ruined like the parents are. Navient is the worse company, I have ever dealt with. I am hoping you can help.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX, Experian ], I am writing to dispute the presence of [ XXXX XXXX XXXX XXXX  ] on my credit report. According to the Fair Credit Reporting Act, I have the right to request that any inaccurate or incomplete information be removed from my credit report. 

After reviewing my credit report, I have noticed that [ XXXX XXXX XXXX XXXX  ] is listed as [ charged off, such as delinquent or in collections ]. However, this account is not accurate as I have never had an account with [ XXXX XXXX XXXX XXXX  ]. 

I am requesting that this account be deleted from my credit report as soon as possible. I have attached a copy of my identification and any other relevant documents to support my claim. 

Please investigate this matter and provide me with a written response within 30 days as per the guidelines of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have been contacted several times in the past days about making a payment after they have threatened to repossess the vehicle and make me responsible for the payments after repossession. I notified Capital One of hardship in my home due to unemployment for about a month in XX/XX/2017, but they refused to change the interest rate ( let alone show how it was calculated ) or lower the payments, so that I may be able to pay the full monthly amount. They repossessed the vehicle after I made a payment to the account. On a recorded line I was told they would not charge me the repossession fees because they were at fault. I was told that I needed to pay the complete late balance, but since the car was repossessed after the payment was made I didn't need to pay the full past due balance because they had already accepted my payment before repossession. The repossession fees were applied to my account as well as the late fees because I didn't know that the repossession fees were added to the account. After having to miss work a couple of days on my new job and find transportation to travel 45 minutes to reclaim MY car, I had to pay the tow company a fee also before I could get my car back. I notified Capital One of this matter and nothing was done. I was only told that I have to make full payment to bring to account back to current. I also was not allowed to make a payment on the principle balance because they insisted that I pay the late fees from the repossession. They have continuously notified the credit bureaus of late payment but my payments were behind because they didn't do what they promised they would. The original loan on the vehicle was {$21000.00}, but I have paid {$29000.00} to this day. This is more than enough considering they will not show how the interest is calculated.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized collections, chargeoff, and inquiry accounts that I did not benefit from. I need these fraudulent accounts removed immediately. All of the collections accounts listed, as well as the chargeoff accounts, I did not give authorization for them to have my information. I may have had contracts with the original creditors, but I did not have any contract with these collectors, so I do not owe THEM. Therefore, I need these accounts removed speedily or I will seek legal action.
Product: Debt collection

During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all XXXX credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I found numerous accounts that do not belong to me. I filed a dispute with transunion and they claim to have verified my accounts yet have not provided me with any proof or verification of these accounts. This is hurting me as I am in the process of purchasing a car for my family. Please remove these accounts that do not belong to me as soon as possible.
Product: Credit reporting or other personal consumer reports

There is no legally admissible evidence to verify the accuracy of what DIVERSIFIED ADJUSTMENT SER. {$1200.00} are is reporting, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by DIVERSIFIED ADJUSTMENT SER, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the DIVERSIFIED ADJUSTMENT SER fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ DIVERSIFIED ADJUSTMENT SER and proof this is a credit transaction w/ DIVERSIFIED ADJUSTMENT SER ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. DIVERSIFIED ADJUSTMENT SER accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit card or prepaid card

I spoke to this company and stated that I was in a hardship due to the pandemic and they told me that this would not reflect on my credit at this time because of the cov-19 they would not show that I was late at all because that was law. This is for my XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This hardship was due to my employment status that affected my payments. I was told that I would not show reported late. Please help me out as this was not my fault as a consumer. I am in the process of buying my first home and by this company telling me inaccurate information about my late payments may hurt me now. When they told me I would show current. Please help me as this has been a stressful time for me as a consumer and my family. This account has been paid in full.
Product: Debt collection

On XX/XX/year>, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 
I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Transunion. There website is completely misleading. It advises consumers that they have the ability to file a dispute and check the status of the dispute online which is inaccurate. I have tried several times over the course of many days and have been unsuccessful. If you go to their XXXX page you will see other comments from consumers stating the same thing. The company is well aware of the situation and is going nothing to correct this issue. I spoke to a supervisor yesterday from the company which confirmed he has heard complaints on this issue as well. If the company is not going to provide a functional website then it needs to be scrapped.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX ordered a part for our part shop. He was on the phone with someone that claimed to be from XXXX. He got put on hold and the person somehow got ahold of his bank account and was sending money to themselves through XXXX. They were sending {$1300.00}, {$500.00}, {$2900.00}, {$2700.00}, {$500.00} and {$3500.00} to people outside of the US. A week after this scam, Bank of America sent him an email stating they had a crisis about the XXXX scam. We received a letter on XX/XX/XXXX stating they are unable to approve the claim on several different accounts. We have about 4 business accounts that they took money from. The claim numbers are : Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX I have gave Bank of America authorization for CFPB to proceed with my complaint .