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

i had a predatory vehicle loan from westlake financial and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. westlake financial purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now westlake financial is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by westlake financial and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called westlake and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.
Product: Money transfer, virtual currency, or money service

As an academic who has worked for both XXXX  and XXXX universities, I have had a need to keep bank accounts open overseas even though I am back in the XXXX. In order to pay bills incurred in the XXXX, I maintain a XXXX credit card. For several months I used my XXXX bank 's international money transfer service, but it was expensive ( up to 25 % of the funds I was sending ), so I switched to PayPal, using my XXXX-linked email to receive funds, and my XXXX one to send them. PayPal was aware that I had two accounts, in fact, it was their suggestion to resolve the international funds tranfer issue. 

In XXXX, I sent funds to my XXXX-linked email account and attempted to access my PayPal account and transfer the funds there to my XXXX bank where I was going to use them to pay the credit card bill. However, despite numerous attempts to clear security with PayPal, including providing the security codes they sent to my email, they insisted I was not authorised to access the account without use of a no-longer-in-use XXXX phone number. They offered NO alternative. 

I filed a formal complaint about the lack of access to my funds. They denied my claim, insisting that the funds had been delivered. THAT was never the issue, as my complaint made clear. Unfortunately, the complaint was made via their online portal and their emails don't seem to include the original text. 

I have replied to that denial, but as they didn't even bother to address the actual complaint I made, I am doubtful that any change will occur without outside influence. Meanwhile, there is over {$100.00} of my funds I can not access, which might not sound like much, but is quite significant in my life. 

At present, there are funds in a PayPal account that PayPal will not allow me to access, nor will they provide me with a refund of those funds. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX  XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Previously I disputed the hard inquiries on my credit report and they were deleted. Recently I logged in to monitor my account and they have been added back on and this has made my fico score go down.
Product: Credit card or prepaid card

Wells Fargo, XXXX. XXXX XXXX sent a pre-paid debit MasterCard that was not ask for and this card had a balance ( {$370.00} ). Various calls to telephone numbers ; XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX only got computer voice with the select a number. No valid information received due to the card was not activated and a PIIN not selected. Wells Fargo does not have a financial facility in Hawaii. I have the paperwork received, the card in a folder labeled " fraud ''. Today 's date is XX/XX/2018. This prepaid ( non-reloadable ) is considered a mass-mailing to create accounts at Wells Fargo and this practice should be stopped. I would appreciate a letter from Well Fargo stating that any account created has been " close '' and there will be no future attempts to create accounts under my name, address for any financial transaction. Well Fargo should also remove my name from any " prescreened '' offers of credit from this company. I may be reached at XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I saw an unauthorized charge for {$270.00} to XXXX XXXX. I was at XXXX XXXX  that day but did not spend anything of this amount so I investigated on the XXXX XXXX  website and saw I was charged for a XXXX XXXX. 

I realized that when I clicked Check wait time for a ride that it charged my card on file for a premium XXXX XXXX, which I did not want. Furthermore, even if I did want it, it did not work ( screenshots attached ). I could not get ahold of anyone at XXXX XXXX  to reverse the charge so I reported the unauthorized charge to Capital One. 

Capital One issued a the temporary credit on XX/XX/XXXX. Their emails regarding the investigation did not provide any secure link for me to provide my screenshots or further information supporting the fact that the purchase of the XXXX XXXX unauthorized and, not a functional service even if I did want it. 

Capital One reversed the temporary credit on XX/XX/XXXX, still providing me with no means to provide my screenshots or information. When I attempted to provide my details by replying to the email, it bounced back undelivered. 

What is also very concerning is that they chose XX/XX/XXXX to reverse the credit, when my car payment, also through Capital One, is due on XX/XX/XXXX. Without the {$270.00} of funds in my account, my car payment will return and result in more fees for Capital One. This seems very strategic and an attempt to prey on low balance consumers.
Product: Money transfer, virtual currency, or money service

Cash app was contacted on XX/XX/XXXX XXXX about a XXXX dollar and a XXXX dollar Bitcoin transaction that was a scam I was involved in they didn't reply to the email for two days in which they told me they could not issue out a refund because the Bitcoin had already been processed.
Product: Credit reporting or other personal consumer reports

The information on my credit is incorrect and belongs to someone else. Ive taking this up with Transunion over and over again. Ive had it and ready to take legal actions. Someone still my ssn and used it for XXXX XXXX auto thats on my credit!! I also filed a compliment with XXXX XXXX because the payments they posted wasnt from me and someone had my account information the whole time. 


The document attached is the company that stole my information along with the owners name!!! This is not right and someone needs to take action against them. XXXX XXXX stole my information unknowingly and this is one of the only evidences I have from someone else that he stole from. But you can see the car information that XXXX said is under me with VIN number and type!!!
Product: Credit card or prepaid card

I ordered some clothes from XXXX and I have a credit card with them through XXXX XXXX. I always pay this account in full and had received bills and paid them online. The clothes arrived and I paid the account in full. There was a backordered item, but I thought I had paid for it when I paid the account in full. The backordered item arrived many months later and when it did it said my credit card had been charged the amount of the backordered product. 

I logged on to the account and paid the amount, but it was one day late. I called and talked to the agent who said they would forgive any fees based on the circumstances with the backorder. 

On XX/XX/XXXX I began to receive calls from XXXX XXXX asking me to call. I did. I was told that the account was past due which surprised me. They had charged me the late payment fee even though they said they would not in earlier conversations and because I thought the account was PIF I had not checked it. There were a couple of late payment fees on there as a result! I explained the situation again to the agent, she removed the fees and told me if I paid {$18.00} it would resolve the issue. I had now basically paid twice for the item I ordered but I went ahead and paid it just to resolve the issue. I also asked that I now receive a paper bill because I did not trust them to do what they said from the original conversation about the backordered product and removal of the original fee. 

On XX/XX/XXXX, I come home from work and the XXXX credit card statement is in the mail and I have a {$75.00} balance!! I immediately called and relayed to the agent the situation and that I was told on XX/XX/XXXX this was result and the account was PIF. They said they had record of the {$18.00} payment but the fees had not been removed and so I had received another late fee on XXXX, when I thought the account was PIF!! I asked to talk to a supervisor who said they could remove the most current late fee but not all the other charges, so I would owe {$55.00}, all of fees that I was told twice would be waived He said they had a one waiver policy and I could use it here. I told him, I had been told twice already fees were waived and I didn't trust them to do so and I would not pay for fees that I was told by the Comenity had been waive two times previously. He refused to do anything for me and when I told him I was going to the CFPB he then revoked the offer to waive the fee!! I then asked to cancel the account which he did for me. 

I believe this is a scam by XXXX and that they are engaging in dishonest practices. I always pay my bills in full, I have excellent credit. I also believe they retaliated against me for raising a claim with the CFPB.
Product: Credit card or prepaid card

I opened up a credit card account with Torrid earlier this year. I made one or two purchases and decided to close the account. Over the phone, I paid off my remaining balance and requested my account be closed, which I was told it would be. I began receiving daily phone calls from Comenity Bank telling me that I had a balance. I didnt realize it was associated with Torrid and in XXXX of this year, I made a payment of around {$25.00}. Again, I began receiving daily phone calls and about a month ago, I spoke to a representative and they told me that I had a balance of {$82.00} and that I needed to resolve it. The {$82.00} was due to internet charges and late fees. I explained the situation and demanded my account be closed and I refused to pay the charges. The representative assured me that he would get rid of the charges and close my account. Today, I received ANOTHER bill in the mail for {$82.00}. I am extremely frustrated and I need help getting them to close my account. Every month they are stacking on more charges from interest and late fees.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure
Product: Credit reporting or other personal consumer reports

I have been asking for proof of the notice that is required by law ( 15 USC 1666b ) that clearly explains that it must be mailed or delivered to the consumer no later than 21 days before the payment due date to report a late payment and XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has been evading my request by replying different topics.
Product: Payday loan, title loan, personal loan, or advance loan

I sent a cashier 's check on XXXX for my loan to pay it off, a week later the payment not reflected on my account. I was charged interest and finance charges as I made no payment. Instead of owing XXXX $ I I owe XXXX $ and they still have negotiated payment for the check according to my credit union. The practice of holding payments and not crediting accounts and negotiating the check upon receipt is XXXX and unethical Also the status and amount of this loan has not been reported as accurate according to all XXXX  credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-5836, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. 

By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card

My XXXX XXXX XXXX mother underwent XXXX to remove a XXXX in her tongue followed by XXXX weeks of XXXX. She has been in horrific pain from the XXXX therapy to her tongue and neck. The number XXXX XXXX medicine for oral mucositis ( XXXX lesions/bleeding, pain ) is benzydamine. It is not available in the XXXX because young people OD on it. I paid a premium to order this medicine from XXXX on XXXX. It arrived in the XXXX on XXXX. It sat in customs for over a week. I asked XXXX to assist with getting the package to me ( as XXXX 's advised ). They refused. 
The package finally arrived on XXXX. My mother desperately needed this medicine. I opened the box to find only shattered glass. No medicine. All of the bottles had been smashed with glass particles and fragments everywhere. 
I called Capital One to dispute the charges. I also faxed them pictures of the mess of shattered and broken glass in the box. 
Capital One confirmed they received the faxed pictures of smashed glass bottles. ( See faxed confirms attached ) My mother continues to be in horrific pain. I placed XXXX order on XXXX that was never received. I used XXXX. XXXX reversed the charges. I placed a second order on XXXX without paypal. This box was finally received but the glass bottles were smashed. XXXX XXXX initially reversed the charges. 
On XXXX, I received a notice from Capital One that the case was closed in favor of the XXXX because the package was delivered. There was never a question that a package was delivered. I faxed pictures to XXXX XXXX on XXXX that proved the product I ordered was not received, only shattered glass was in the box. 
I have had to spend another FIVE+ hours trying to get my money back as my XXXX XXXX XXXX mother is alone in the hospital in HORRIFIC pain. 
I called XXXX XXXX  and spent hours on the phone yesterday. They refuse to refund my money. Told me to send all my documentation again! 

Note the phone number is incorrect in my record and I can not change it. It should be XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I received an alert message stating there was a change to my XXXX XXXX. Once I logged in to see, there was a new account under collections. If you open that collection, there was never any previous history with this account. Experian has not provided supporting documentation regarding this alleged account. I demand that this be removed from my credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.