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

I have noticed on my three credit reports unauthorized credit inquiries hard and soft inquiries. I have not applied for any credit or to purchase a car or anything this is attempted Identity fraud. I have had a prior case in the past where my Identity was stolen and used to fraudulently obtain credit. I know these are the product of the same thing. I should have caught them sooner. I have been in contact with the companies and have either I feel purposely gotten hung up on or not wanted to be taken care of. I was actually told they were not approved so why are you worried? I would like a freeze put on my credit reports as well. Plus a statement as to any credit inquiry needs to be verified by calling me. below are a list I have at this time of the inquiries and the dates of said inquires that are not mine. personify XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is the list list I have so far please remove these fraudulant inquiries. Thank You
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Account # XXXX  has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This complaint is against Westlake Financial Services. They refuse to report to XXXX  and the other bureaus that I paid off my car on XXXX. My XXXX  report is showing a balance with Westlake for {$16000.00}. I disputed this and received the dispute results on XXXX stating that Westlake verified to XXXX  that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by Westlake Financial ( {$16000.00} XXXX. I have the printouts from my personal and business checking accounts. I made 7 payments to Westlake totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the Westlake website showing my payment history and a note that my account is paid in full. Please contact Westlake on my behalf. Hopefully they will finally report to XXXX  ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.
Product: Debt collection

AFNI- XXXX . - Reported on  XXXX   XXXX ,  2013  {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.
Product: Vehicle loan or lease

I converted a lease with Ally Financial into an auto loan and they did not set me up with the online dashboard to make payments. So I had to make a payment through a third party that registered the payment with Ally Financial several days after. Ally Financial is reporting a 30 day late on my credit report for the month of XX/XX/2023 when I indeed paid it before the 30 days. I attached proof of when the payment came out of my account. I've been a customer with Ally for almost 5 yrs and would like to continue this relationship so I would appreciate if this manner gets resolved expeditiously as I'm in the process of purchasing a home for my family.
Product: Mortgage

first after I tried to refi with them the  set 1 paym ent schedule then they tried to withdraw that. as I am struggling to make payments they keep changing the amount due from what they originally said for my fixed rate. over the years they have filed foreclosure and forced me to file bankruptcy 4 times. every other month now since  XXXX    XXXX   they send foreclosure papers out 45 days after a due date and a payment has been made even though it was more than what was set from the last refi. I made the requested payment every month even though it was more than what was set. they are the worst management company. they have service reps in  XXXX  that do not know what is goin g on in the US for days later.
Product: Credit reporting

I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my Credit Report.
Product: Credit reporting or other personal consumer reports

I was told by XXXX XXXX this was updated on XX/XX/XXXX and Experian is not updating it.. 
Please have Experian update it!! Its XXXX not XXXX, makes a big difference with credit scores! I would like to take advantage of better scores and rates. I was turned down by a Credit Bureau for a Refinance and am needing to try again!! 


XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes.
Product: Student loan

I am unemployed ( again ) - and have used all of my forbarance and deferment time because this is my third time being laid off in ten years. When I call Navient for help, they say there is nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Product: Vehicle loan or lease

XX/XX/XXXX I reached out to DriveTime and requested the original car contract. The DriveTime car company told me that they sold the contract to XXXX a day after the car was purchased. XXXX had time to contact me and not 1 time did they make any attempt to do so. They mixed consumer credit with a cash transaction, which is illegal. A {$3600.00} down payment was given to DriveTime after they ran my credit. ( 15 u.s.c 1662 b ) down payment illegal ) They never offered or provided car insurance which is also something they are supposed to provide. Instead, they loaned me {$11000.00}. Then charged me {$7600.00} for finance charges and {$590.00} for XXXX XXXX insurance. Taking my total of {$10000.00} to {$22000.00}. They are operating with a false contract with forged digital signatures, which is also illegal. They have repossessed the car without a valid contract, which is also illegal. Since they sold the car contract to DriveTime, that now means I am paying for this car twice, which is also illegal. They never sent out paperwork for the right to rescind within 3 business days. ( 12 CFR 226.15 Right of rescission ) They sent a text message stating that they would repossess the car by XX/XX/XXXX but they got on XX/XX/XXXX.
Product: Debt collection

I reviewed my consumer report and I know for a fact I never entered into a consumer credit transaction with EOS CCA. I've never even heard of this company before. I have never been in contract or contact with them. Nor have I given them consent to have my personal information. My consumer right to privacy has been violated. I wrote this company back in XXXX and I never received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ] [ XXXX XXXX ] Re : Dispute of Personal Information, XXXX, XXXX I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly.

The disputed information is as follows : 1. [ Specific Inaccuracy ] : the incorrect information in detail hard inquiries, wrong address,, misspelled name ). 

Hard inquiries XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources. 
Provide me with evidence supporting the validity of the reported data. 
2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details. 
3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within XXXX  days of receiving this dispute letter. 
Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Product: Checking or savings account

I had my taxes sent to credit karma. I transferred all my funds to the savings account and didn realize I could only withdrawal 6 times a month. So I closed my savings account with credit karma on XX/XX/XXXX and was told I would receive a paper check in mail within 7-10 business days. It is now 15 days and still no check. On Sunday XX/XX/XXXX I was emailed and told my check was delivered after complaining and emailing asking for tracking number or where my check was. Now they are telling me that it was delivered and someone from the specialist team will contact me thru email because they don't have a phone line to communicate thru. That was 6 days ago. I have called every day since multiple times with different responses and them transferring my call back and forth between the same 2 representative. I have been recording our phone conversation for that purpose to prove it's the same 2-3 people I am talking to. Except they keep changing their names. I can also hear ppl laughing in background while on a business call about my funds which is very unprofessional and sketchy. I just want to know where my check is. It is XXXX dollars. And need that money.
Product: Money transfer, virtual currency, or money service

{$21.00} was shown as pending in my cashapp account on XX/XX/year> from " XXXX '' ( a previous customer I served at my restaurant job and received a {$5.00} tip on XX/XX/year> ). I accepted the amount and it was shown as pending in my account. When XXXX requested a refund since it was accidentally sent to me, I approved it. After cashapp took {$21.00} from my account, the pending accidental deposit of {$21.00} disappeared from my cashapp balance and I never got my money back. I asked Cashapp to investigate into the whereabouts of the transaction and they could not find it in their system. I tried to report the account as fraudulent and a scammer and they did nothing. The account is currently still active. I tried requesting my money back several times from my account and others and still have not gotten my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I began to receive emails and phone calls from XXXX. I have never used XXXX, so I assumed these contacts were fishing attempts. Later I discoverd that XXXX had pulled up a deliquient account from XXXX, with my name and address on it. They explained to me that the bank who had opened the account in XXXX is no loner in service, but in XXXX they reinstated this transaction. Apparently someone opened this account, but left it with a deliquent balance. I have made dozens of calls to XXXX, made contact with at least 6 account managers and investigation personal, and no one seems to bring me to a full knowlege of anything about this fraudlent account. I was finally told by a gentelman named " XXXX '' that the case had to go to the " back office '' to be resolved. In the meantime I have only received " Claim Review Completed '' letters, stating my claim is not approved because I " authorized, participated, or benefited from the purchase. '' I have come to the conviction that this response will only be repeated again and again. 
I know that this is an unauthorized fraudlent account for many reasons. In XXXX, when XXXX claims I opened this account, I was a full time, inner-city missionary in XXXX. I lived in a mission compound in a very depressed section of XXXX, serving the needy in that community. I did not own a computer or have any knowledge of XXXX. I did not own a home, apartment, automobile, and rarely shopped. I did not even receive pay or salary. I lived by faith and was a full time volunteer. Later in XXXX, began to teach school, and worked in the XXXX XXXX XXXX with displaced teens. I now work at XXXX XXXX  XXXX XXXX with XXXX kids. 
My credit report shows that I have never had a deliquient account, except this, which somehow, after 15 years is now appearing. I am in the middle of applying for a mortgage and my credit score has taken a hit, and it is imperative for this to be removed immediately, as it restricts me from qualifying for a conventional loan.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX morning I recieved an email from Venmo that my account has been frozen and that I need to verify my identity. I called venmo customer service to find out why was my account closed. I didn't do anything wrong. They were not able to tell me anything except to send a copy of my ID to verify myself. Well I did just that on XXXX  and recieved an email back stating that they were going to permanently close my account and keep my money for up to 180 days. I'm a single mother of 4 and ALL my money is on that card. I can't pay rent, car insurance or anything now. I called Venmo again and this time asked to speak to a supervisor. Speaking to him he was not much hel. He couldn't tell me anything except that the analyst specialist is the ones who do and work with the closing accounts and stuff. I nicely asked for a phone number so I can speak with someone there then. To which I was told they do not have a phone number that I would have to reply to the email and they will respond. I did just that and asked for them to explain to me why they closed my account. Then I was told that they could not tell me that do to privacy etc. But it's MY account. MY money. I've never had this problem with XXXX  like I do with venmo. And for them to keep MY money for up to 6 months is ridiculous.
Product: Money transfer, virtual currency, or money service

This is the second time Xoom did to me. They hold on to your money in the name of security and take a very long time to transfer! This is against their advertisement! I did a transaction to my nephew in XXXX on XX/XX/XXXX in the amount {$4400.00}, it took 4 days to transfer the money!! I did send money to my nephew before and he was already in the system so this does not make sense to delay the transaction. I had to call them twice and only then they released my money to my nephew! Proofs are attached below. 

Most recently I tried sending money to my cousin in XXXX in the amount {$2900.00} on XX/XX/XXXX. Again they have put a delay to my transaction under the name of security. I called them up and they said its their partner who are causing delay but the strange thing is that the recipient is not new! Its already in the system and I have done transactions before to the same person before! Its been more than 20 hours and my cousin still did not receive his money! Proofs attached below
Product: Debt collection

This complaint is regarding Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act against Portfolio Recovery Associates. They are in violation in reporting inaccurate information on my credit files and have not provided validation as requested to show proof that I owe the debts they are saying I owe. They are in direct violation reporting past due balances on collection accounts. 

They are using unfair collection practices by re-aging the debts to keep them on my credit report stating incorrect balances, I have disputed and sent numerous letters asking for proper Validation with signed signatures and contracts showing that I owe this debt that they are claiming I owe, and they have not provided any proof what so ever. The burden of proof is not on the consumer to disprove the debt its on Portfolio Recovery to prove per the LAW. 

Portfolio Recovery Associates are legally-required investigation of the issues raised by the consumer, and they have not done so. Portfolio Recovery Associates are engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws and I am requesting that they remove all negative information that they are reporting on my credit files, that are trying to collect on debts they can not verify and haven't provided the proper verification per the law saying I owe this debt. No photocopies of an alleged debt, proper verification. 

Here are the account numbers as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also be filing an complaint with the Federal Trade Commission.
Product: Debt collection

SINCE ON THIS WEBSITE THERE IS NOT AN OPTION TO REPORT AN INDIRECT THREAT TO ME BUT BY VARIOUS CHAIN OF DEBT OR FORECLOSURE MEANS THROUGH SHERIFFS OR MARSHALS OR POLICE OR HIGHER ED MERCENARIES TO THROUGH PEOPLE OUT OF THERE HOME NOT KNOWING OR KNOWING THAT THERE WAS NO MORTGAGE OR LOAN THIS IS WHY I SELECTED THIS OPTION CAUSE IT IS DIRECTLY CONNECTED AIDING AND ABETTING TO THE FORECLOSURE RICO RACKET PERPETRATED AGAINST ME AND MY FAMILY HOME AND LAND, AND PIRATING ASHORE. THERE WAS NEVER A LOAN. cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX XXXX  THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY AND MORE COMING. WHOMEVER IS WRITING ME BACK OR SENDING LETTERS IN THE MAIL WHICH IS MAIL OR WIRE FRAUD, AND ACTING UPON YOUR OWN JUDGEMENT, PROSECUTOR AND JURY IS ALL NULL AND VOID AND A CRIMINAL ACT AGAINST ME. XXXX XXXX PEOPLE OF THE CORPORATIONS ARE LIABLE AND THE FRAUD COURTS SO YOU HAVE NO JURISDICTION OVER THE LANDS, HOMES, CARS, BOAT, WE WONDER IF YOU HAVE ANY? YOU ARE PERSONALLY LIABLE TO ME NOW AND ALL THE CORPORATE MEMBER EMPLOYEES WORKING THERE.
Product: Payday loan, title loan, or personal loan

I applied for first and second draw PPP loans with XXXX and it was sent and approved by the SBA, and Benworth Capital was the lender. It said that Benworth funded my account. They lied! They never sent the money to my account and I know they are going to start making withdrawals from my account after the deferral period. I signed a promissory note and it's been almost a week and still no money. I can prove it with a certified statement from my bank that they never funded the account. I tried calling Benworth and the line is always busy. I tried emailing them and the email was undeliverable, so that means it's a fake email address. I tried contacting XXXX and the page won't load.
Product: Student loan

On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Texas that I was being served with a Writ of Execution for Cause No. XXXX Educap Inc, vs. XXXX XXXX. I informed the deputy that I never applied for any private student loan. I received my XXXX XXXX from XXXX XXXX in XXXX of XXXX. I then went back to school XXXX  with XXXX University from XX/XX/XXXX- XX/XX/XXXX for my XXXX XXXX. I received Financial Aid Pell grants and Subsidized and Unsubsidized loans for my education and I have never applied for private loan with Educap , Inc. This loan was done without my authorization and I DO NOT owe this debt. I am respectfully requesting assistance with this matter as clearly it is a case of Identity Theft. I have attached my Pell Grant and XXXX  Student Loan information proving my financial assistance with FASFA not through private loans. The attorneys on file for this court matter that were hired by EDUCAP are the following : XXXX XXXX, XXXX. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )