23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against WestLake Financial services for violating the Fair Debt Collection Practices Act ( FDCPA ).

WestLake Financial services has not provided validation information as required by law ( 12 CFR 1006.34 ( b ) ( 5 ) ) but has placed a collection on my credit report.

* I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

WestLake Financial services is using false, misleading, or deceptive means to collect the debt. Westlake financial services furnished the account to a consumer reporting agency without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
I request that the CFPB investigate these allegations and take appropriate action against WestLake Financial services. I want this collection deleted from my consumer report due to all the violations. By submitting this complaint I authorize the CFPB to contact me for more information or updates.
Product: Money transfer, virtual currency, or money service

I have not been able to link my XXXX XXXX account to the robinhood app
Product: Credit reporting

This credit bureau has reported me from everything as dead to having an incorrect social security number.I have had the same ss # for XXXX years, I assure you I am quite alive. I receive my social security check every month. The other XXXX bureaus no I am alive.I have sent copies of my drivers license, social security card, security officer license and a XXXX from last years income tax report.They responded with an incorrect report with wrong name, wrong credit report and wrong ss # .I hope to reach someone with a brain to straighten this out.My name for XXXX years has been XXXX not XXXX and my ss # has ALWAYS ended in XXXX not XXXX.my email is : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Product: Credit card

XXXX dollars of fraud including XXXX charges. See all attachments that Citi has failed to help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Potentially negative Date opened XX/XX/XXXX XXXX. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXX XXXX  DELAWARE Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX MORTGAGE Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXX & CO Under dispute Date opened XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

catagory needs to be ''CREDIT REPORTING FRAUD, LYING '' AND THIS IS NOT THE SAME COMPLAINT SO I AM REPOSTING IT, BY THE WAY ITS OVER 2 MONTHS SINCE RESPONDED TO SO WHERES MY XXXX, XXXX CRIMINALS PROTECTED BY THE CFPB AS USUAL, THERE HAS NEVER BEEN ANY VALIDATION OF PROOF OF ANY DEBT, A STATEMENT IS NOT A DEBT, A ''BILL '' IS A DEBT AND SHOW ME THE ORIGINAL INSTRUMENT, THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX [ XXXX XXXX XXXX XXXX ] XXXX IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF  ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the XXXX   and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit reporting

I contacted Experian to have the credit freeze removed from account. I was asked how long I would like it to last and I responded 7 days. The information was confirmed and then I was told that it would cost {$5.00} to complete the transaction. I asked if removing the freeze again would result in another {$5.00} charge and was told yes. I told the rep that I did not wish to reinitiate the freeze and it could be lifted permanently if a fee were involved. The rep told me it was too late and that he had already processed the refreeze. I told him you did not tell me there would be a fee to handle the transaction prior to questioning if I wanted to reinitiate a freeze. The rep said I did n't know if I could lift it until I already did it. I advised that I would be contacting the CFPB to file a complaint and asked to speak to a manager. He advised no manager available. Lifting this freeze on my credit will now cost me a total of {$10.00} of which I was not made aware prior to the processing of the order.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After careful review inaccurate reporting accounts address is incorrect I have my identification included information not matching across all three bureaus XXXX transunion reporting bankruptcy dept of aide duplicated accounts and amounts incorrect status invalid records not authorized by me loans opened without consent Furthermore, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ( BAPCPA ) requires that creditors provide a debtor with a notice of their right to dispute the debt within 30 days of receiving the notice of the bankruptcy filing. I never received such a notice from your company, which is a clear violation of the BAPCPA and USC code 11 U.S.C. 342.

As per the Fair Debt Collection Practices Act ( FDCPA ), a creditor is prohibited from making false or misleading representations to a consumer. In my case, your company has misrepresented the amount of debt owed and has initiated bankruptcy proceedings without providing proper documentation to support your claim. This violates the FDCPA and USC codes 15 U.S.C. 1692 et seq. and 11 U.S.C. 101 et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two bureaus are reporting two accounts for XXXX XXXX   on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.
Product: Mortgage

XX/XX/year>. Applying for the HELOC. The lender needed a card on file to lock in the rate. They charged my account XXXX times at {$750.00}. With other checks clearing my account that day, it caused me to overdraft. The lender said there is nothing they can do about it. I disputed the charges with my bank, but it will take 5 to 10 business days. I am overdrawn and no money to pay bills until it clears. I also now have late fees and overdraft fees on top of it. The lender refuses to return the money. I have not signed the disclosure forms yet and want to take my business elsewhere.
Product: Credit card or prepaid card

Comenity Bank/ Victoria Secret has been reporting an account for {$460.00} on my consumer report for a couple years now. They illegally sold the account to a debt collector involving my social security number which is considered my credit card. This has been without my knowledge and it is considered unauthorized use Pursuant 15 usc 1602 ( p ). This is defamation of my character and has caused me emotional distress. I am demanding that this account is removed from reporting to my consumer report permanently. I have sent Comenity Bank/Victoria Secret a letter certified mail XXXX XXXX and waiting for this issue to be solved immediately as it is stopping me from many opportunities over the years pertaining to extending my credit out to other lenders.
Product: Debt collection

Bass & Associates, P.C. is refusing to provide the original promissory notes as requested by me along with the back side of the note. Ive sent them several letters which includes Notice of Rescission, Breach of Agreement, etc. They only send back a generic typed letter never giving me responses to my letters. According to the Federal Trade Commission its unlawful to furnish certain deceptive forms and Bass & Associates isnt following protocol by law. Ive included all of the letters Ive sent them thus far along with the latest response from them stating I cant get my original promissory notes which is against the law. There is no way for me to know the documents they send me are in fact original unless I can get an original promissory note. I rescind all contracts USC Article 1, Section 10, UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the letter from XXXX XXXX  saying that im not liable for that auto loan. plus i added the other information concerning the fraud accounts includig XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the furnishing and/or obtain of my credit information, as I have never provided written consent to such actions, which are required under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). Upon reviewing my credit report, I have noticed that certain entities may have accessed or furnished my personal credit information without my authorization or permission. Specifically, I have never signed any document granting such consent to XXXX or any of the companies listed. XXXX XXXX and XXXX XXXX XXXX Under 15 U.S. Code 1681b, a consumer reporting agency is only permitted to furnish my credit report under certain conditions, which include my written permission for certain situations. As such, I request that you : XXXX. Provide documentation demonstrating that I provided written consent for the access or furnishing of my credit report. XXXX. Remove any inquiries or accounts that were made or opened without my express written permission. XXXX. Conduct a full investigation into the matter and send me a written statement of the outcome, as well as any corrections made to my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act. I expect you to complete your investigation and respond within the 30-day period required by law. Failure to comply with these legal requirements may result in further actions to protect my rights. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i was trying to buy a puppie on a website, they gave the description and also provide me with some address, everything was false, i suppossed to transfer XXXX XXXX and i use paypal because it suppossed to be more secure, i only transfer XXXX $ and inmediately i tryed to cancel the transfer, it was not even minutes, actually paypal never deduct the money from my bank account, paypal tried to do so 2 days after, but they never cancel the transaction to the impostor, how they were not able to cancel the transaction on my side, when they did no get the money from me?, now pay pal send me to a collection agency for XXXX XXXX paypal send the money but never collect it from me, how they did not cancel the transaction when i ask then to do it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the company to do a full review of all information on the account they verified the account information as correct but I have found many different reporting dates in all reports account name XXXX account # XXXX In accordance with the fair credit reporting act XXXXXXXX account XXXX has violated my rights. 
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
Product: Student loan

I have been dealing with this since XX/XX/2023 can't get nobody on the phone without being on there for 6 or 7 hours or being hung up on I have submitted first time the paper if they requested with the application second time I sent about 11 copies of my signature to prove who I am and where I was on the day I supposed to take loans out it's sad that you can't talk to a human being or somebody can just put your information out there and not proving who they are and get a loan my credit have been breached by at least 6 7 8 different times through different companies and if I throw mohela in the mix that's another one I'm XXXX XXXX XXXX XXXX I'm not attending school ie college I'm not even healthy enough to get out and about to set at computer I have filed complaints with a XXXX XXXX XXXX Federal trade and then this and froze my credit reports put fraud notice on my reports but apparently the only check it once to give you whatever cuz it started out about XXXX and I'm up to about XXXX can't get a hold of at XXXX or XXXX XXXX XXXX XXXX says I need to talk to them first that's funny cuz they're the one that done supposedly application my next step it's probably getting a lawyer and then I'm going to sue you for not correcting this problem and then for the mental and physical stress
Product: Credit reporting or other personal consumer reports

I paid to order my credit report and reviewed my report for errors. I then paid to print if the dispute letters and paid to have them mailed to Experian for Experian to email me saying they received a notification about my credit report from someone who is not me and is unauthorized so no action was taken on my dispute after I paid almost over {$100.00} and spent a lot of my time to gather those documents and mail them. For years this company has misreported my information and has caused significant hardships on my life and now they blatantly disregard my efforts to better my life. They have completely violated my rights.
Product: Money transfer, virtual currency, or money service

I need to speak to you XXXX. the company of direct express has caused me XXXX XXXX XXXX every month to verify my account I int with no cellular phone now becoming homeless it's all their problem from not sending me my card but to cancel my account hospitalized from loss after loss pain n suffering my experience was not acceptable XXXX there must be a XXXX times no money sent bk to me the cardholder no availability to receive missing XXXX XXXX at a time disputes nor are repayed no XXXX money paid put my funds on my card I will have my lawyer contact u hundred of time
Product: Credit card

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$74.00} Amount to be rebilled : {$74.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$74.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX
Product: Vehicle loan or lease

PNC created a duplicate title in the state that the vehicle was purchased at the same time I surrendered the original title in the state where I registered the vehicle. This created lots of problems when I went to renew my plates.
Product: Credit card

I applied for an XXXX XXXX card through Elan Financial. They had been soliciting me for months, so I decided to apply for the card. I was declined for the card through Elan and was notified when I called that the card was declined due to my prior 2008 bankruptcy. 
The underwriter noticed that the bankruptcy had been so long ago that he concluded that he would resubmit the card for manual underwriting and suggested I call back in 2 days. 
When I phoned back to gain knowledge of the result of the card decision. I was speaking with XXXX at ext XXXX and she shared information and spoke to me in a way I had never been discriminated in before. XXXX instead of just sharing the final decision went on to inform me that the decision was based on the outstanding balances on other cards and primarily my bankruptcy. She went on to share with me that based on her looking at my credit profile it was clear that I was well on my way to my second bankruptcy. This way of approaching customers is not an example of fair lending nor is it appropriate for any company to speak in ways that place judgment or wound there applicants. I clearly felt discriminated against and felt Elan Financial spoke and clearly attacked my character. I have not been able to ignore the clear attack on my character and the discrimination on me as a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again.
Product: Debt collection

I currently have a debt under my name for past due tolls from NTTA ( north Texas tollway association ), however, I have in the past disputed, said balance with NTTA, because I am military. I am enlisted in the United States XXXX XXXX, and have not even lived in Texas in since XXXX. The vehicle listed under the tolls, was a XXXX XXXX that I have not owned since XXXX. This debt should not be under my name, these tolls were not perpetrated by me. The vehicle is not mine.