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

Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXX XXXX  with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Please remove this fraudulent information as its fraudulent and not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making a purchase at Banana Republic Factory in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing Banana Republic credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call Synchrony Bank ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( Banana Republic under Synchrony Bank ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. 

I have attempted to file this incident with XXXX, XXXX, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second Banana Republic credit card that I did not authorized and was defrauded by the company to open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.
Product: Money transfer, virtual currency, or money service

I have a Robinhood account that Ive been trying to get in because of my password reset. For months Ive used all there ways to reset it but I dont get a call back or they dont send me the right link to fix it. Ive lost thousands of dollars because of this situation I have countless screenshots of errors on there behaves. Tried getting a real person to contact me nothing for months so disappointed on all the opportunities Ive lost. They keep sending me a link that goes no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Experian to correct my consumer report and they have failed to properly investigate and correct the information. I have disputed late payments that I was never late on and now they are refusing to re-investigate. Me as the consumer has the right to have my report re-investigated any time I see incorrect information. I have never been late on the attached accounts and I am requesting to have these corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, Equifax, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.
Product: Bank account or service

I pay all my bills through Wells Fargo bill pay process. My XXXX XXXX XXXX was due on Sunday, XX/XX/XXXX. I scheduled my electronic payment to come out of my account on Thursday, XX/XX/XXXX. It was not delivered until XX/XX/XXXX ; resulting in a {$27.00} past due fee. I have a couple issues with what happened. - Funds were removed from my checking account on XX/XX/XXXX - XXXX XXXX processes payments on Sunday, but Wells Fargo does n't consider that a business day. 
- My payment has still not cleared XXXX XXXX on XX/XX/XXXX and I received a past due fee. 
- Electronic payments should not take 3 business days ( especially since it 's been removed from my account ) to be processed from another on-line bank. 
- This is the 2nd time my due date as fell on a Sunday and caused this issue ; but overall - I think the debiting of my account prior to a payment clearing is questionable and the time it takes to make an electronic payment is too long. I do have the option to pay an additional fee to make it go faster. 

I did not have this issue with Wachovia ( prior to them becoming Wells Fargo ) and I also am aware other banks do not take money out of your account, prior to the check clearing - it also should n't take 3 " business '' days to send an electronic payment. I spoke to XXXX different representatives and did get agreement that it did n't make sense that the process took so long to send an electronic payment ( not needing to create a check ). 

I 've also opened a ticket with XXXX XXXX to see if there is an issue on their end, but based on my conversations with Wells Fargo - I believe the issue is with the delay in their processing of bill pays.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I submitted an application for a loan and was approved on XX/XX/2019. I had not uploaded the documents online and there was an expiration date that I can no longer see. One Main Financial sent some contact information out to a branch in XXXX XXXX, Texas. I spoke with an agent on XX/XX/2019 while at work and explained my location and hours at XXXX XXXX. On XX/XX/2019 I called the branch office at XXXX XXXX and XXXX XXXX answered the phone. I identified myself and she looked up my account. She then said that the assigned agent was with another customer and would call me back in 30 minutes. I explained that our work schedules are very similar and I may not be available and asked if someone else could take the information needed. She curtly stated, " if I didn't answer she would reject my application. '' At that time I asked her for a supervisor and she said with a smile I am the manager. I then said thats not what I asked for. I asked for your supervisor, whether its a district or regional manager. She said you can go online. I then said you are not going to give me an email or phone number for someone over you. She stated no and shes rejecting the application and hung up the phone. Now all the emails I was sent, said that I have a team waiting to assist me. Then when I call and ask for someone else she refused me access to complete my loan application for which I was approved for, all because our schedules don't align. But note I am on the phone attempting to meet their business needs as well. 

I then emailed the company immediately. I also called the XXXX branch and spoke with XXXX. She also gave me other numbers to call. This morning I decided to find email that says I am approved and log in. XXXX rejected my application. I would like the reason she put in the system when she refused me the application process. That has to be illegal.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

I am submitting this comprehensive complaint against Westlake Portfolio Management , LLC, for engaging in a pattern of unethical practices and legal violations across multiple states. These practices include unauthorized legal representation of XXXX XXXX XXXX XXXX XXXX, financial misconduct related to alleged debts, violation of a cease and desist order, and harassment, including skip tracing attempts. 

XXXX of Facts : XXXX. Cease and Desist Order Violation and Harassment : In violation of a cease and desist order issued in 2023, I have received unsolicited calls from Westlake Portfolio Management, including calls from the number XXXX. These calls, which I believe are attempts to skip trace my location, constitute harassment and a direct violation of the order. 

XXXX. Unauthorized Legal Representation : Westlake Portfolio Management has been using its counsel, XXXX, XXXX & XXXX, to represent XXXX XXXX XXXX XXXX XXXX, in state cases across XXXX XXXX XXXX XXXX XXXX XXXX, without authorization. This misrepresentation raises ethical and legal concerns. 

XXXX. Financial Interest in Alleged Debt : Westlake Portfolio Management holds a financial interest in the alleged debt of XXXX XXXX XXXX XXXX XXXX, influencing their legal actions and representation strategies. 

Allegations and Relevant Laws : - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, for engaging in deceptive and abusive debt collection practices. 
- Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, for unauthorized telephone solicitations and the use of automated telephone equipment. 
- Potential Violations of State Bar Association Rules and Ethical Standards across multiple states.
Product: Checking or savings account

To whom it may concern, On XX/XX/year> I was notified by Chase Bank that multiple charges hit my account and it was possible fraud. They sent me a text message in which I responded NO that I did not make or authorize that transaction. I then called and re verified that I was not the one to make nor authorize the purchase so they canceled both my debit card and credit card and proceeded with the fraud report. A few days later they refunded me the money while they presumed the investigation. The purchases were made through my XXXX account which has my saved debit and credit card attached as well as my email address. The purchases were made to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX. There were XXXX different confirmation numbers. The first is Conf # XXXX under XXXX XXXX for XXXX XXXX to XXXX for {$560.00}. The second Conf # XXXX is under XXXX XXXX from XX/XX/XXXX to XXXX for {$510.00}. And the third conf # is XXXX under XXXX XXXX from XX/XX/XXXX to XXXX for {$510.00}. I have never been nor authorized any purchases to this establishment. I also do not know or have any connection to the men in question. My last authorized purchase through XXXX was XX/XX/year>. On XX/XX/XXXX I received a notice that the charges had been reversed and they took back the money from my accounts. I immediately called Chase in which they told me that per their investigation, the third party had enough substantial evidence to prove that I made the transactions which is ridiculous! I then re contacted XXXX in which they sent me an email stating that there is nothing they could do because I had already disputed the issue with my bank. I tried to explain to them that I just needed them to send me an email stating I was not the one to make the purchase but they refused. I even contacted the hotel to see how could someone check in without proof of purchase with the card used and they stated that when someone makes a reservation through a third party, they do not verify authenticity which makes it easy to get scammed like I have. I have been with Chase for over 20 years and this has never happened to me before. I had to cancel my cards when I had my life on auto pay and re do all of my accounts. No one is trying to help me and it is very frustrating. I work hard for my money and I trusted Chase to protect my account and if I express to them a concern I expect it to handled better than it was. I appreciate your time and consideration and pray that we get a resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT LAID OFF DUE TO COVID AND XXXX  XXXX  XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE.
Product: Mortgage

We closed on our mortgage with Prime Lending in XXXX of 2014. We knew that our taxes would go up a little bit because we bought a brand new home. We were told it would be about {$200.00} a month, since that can easily be figured out based on value of the home and town tax rates, I did n't think about it too much. Fourteen months after purchasing our home, we called to pay our mortgage to find out we owed {$800.00} more per month. We were told not to worry it would only be like that for 2 months, that we just had to pay the deficit from our taxes being reassessed. Well, two months later it changed again all right, up {$200.00} more. We were then told that the town reassessed our taxes immediately after the sale but that Prime Lending did n't catch it until 13 payments later. For the last 14 months, we have paid a thousand dollars more towards our mortgage than we signed up to do. My husband and I have called countless times and no one can answer our questions. Generally, I know more than they do about how mortgages and taxes work. The last phone call I was told " oh, well maybe in XXXX it will be better. '' Maybe? Today, I looked and they are actually refunding us money for escrow overage but our payment remains the same. I am completely at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED XXXX XXXXXXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month
Product: Debt collection

ENHANCED RECOVERY COMPANY CLAIMS I OWE AN AMOUNT OF {$200.00} FOR A XXXX CELL PHONE THAT I NEVER HAD. IT WAS PUT ON MY CREDIT REPORT AND THIS IS THE FIRST TIME I AM HEARING OR EVEN KNOWING ABOUT THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I contacted Preferred Collections Management regarding an open delinquent account of {$100.00} that showed on my credit report. I have never received notice of this debt via written notice OR phone calls from the creditor. Preferred Collections Management indicated that 2 weeks prior to my call on XX/XX/18, they had returned the debt to the original source and could not accept my payment. They told me they reported this closed account to the credit reporting agencies. Today, XX/XX/18, I contacted Preferred Collections Management again who advised they did not show any open accounts and this was once again reported to the credit reporting agencies. I then contacted the original creditor, XXXX XXXX XXXX XXXX who advised they have never received this account back from Preferred Collections Management. They are unable to accept payment from me as they do not see the account in their new system. Therefore, I am unable to pay this and dispute it with XXXX. This is negatively impacting my ability to apply for a mortgage.
Product: Money transfer, virtual currency, or money service

I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses to the wrong old phone which was our family member 's phone. The phone number was changed and I am not informed about the change. I tried several times contacting the receiver, XXXX XXXX XXXX and the Bank of America but the receiver, who took my transfer mistakenly blocked our calls. Bank of America, XXXX XXXX CA XXXX, branch XXXX XXXX XXXX XXXX and XXXX called and left messages several times to phone number XXXX ( XXXX XXXX XXXX XXXX but she did not answer or call back to Bank of America. I also called XXXX support but there was no solution to help me. 

We received letters from Bank of America saying " We recommend contacting the receiver of the funds for further assistance ''. She does not want to pay back money which the owner, I don't intend to give her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are appearing on my credit report that are not mine I have been disputing this since XXXX XXXX and I have not gotten anything back from the bureaus regarding this investigation. I have filed a FTC for this and mailed out multiple letters regarding this and I need it taken care of ASAP. 
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Vehicle loan or lease

I was doing research on Credit Acceptance and I saw where consumers were complaining about hidden fees and charges on their auto loan. I do own a vehicle and it is currently financed through the stated company. I understand they help people with bad credit but the fees and interest rate are astronomical. Im currently on XXXX XXXX XXXXXXXX due to an XXXX  and they have worked with me from time to time. In XXXX my vehicle was repossessed and I was able to get it back but Im still paying that horrible XXXX interest rate and nothing towards the principle. This company is a total ripoff and I read where they have XXXX of lawsuits against them for all the hidden fees, late charges and whatever else theyve done. I too am filing a complaint against this company for the same reasons. I possibly maybe consulting with a lawyer as well.