23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this formal complaint regarding Westlake Portfolio Management and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, Westlake Portfolio Management has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness. 

Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like Westlake Portfolio Management to ensure the accuracy and validity of the information they report. Westlake Portfolio Management has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification.

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from Westlake Portfolio Management but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( XXXX, XXXX, and XXXX ) unless Westlake Portfolio Management can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.
Product: Credit card

Bank of america closed all of my families accounts. On XX/XX/2023 I have been with them for 30 years. I called them, after XXXX minutes dealing with there stupid XXXX  answering machine. Then they tell me that I loose all of my Cash Back Monies. They took about XXXX dollars from credit card cash back. So if the bank takes cash back from XXXX people at XXXX that save the bank XXXX ... .... They lost in court so they do this to people ... ..STOP bank of america XXXX the word America should be removed from there name ....
Product: Credit reporting or other personal consumer reports

This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX  XXXX XXXX XXXX verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX 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 an consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/year> my paycheck was disbursed by my company to Capital One bank through direct deposit. They have been holding my paycheck since then! All they say is they are experiencing technical difficulties! They can not hold my paycheck!! I need my funds
Product: Student loan

I was alerted in 2022 that my student loan servicer was being changed from XXXX XXXX to nelnet. I created a login/account and was able to successfully login. I didn't take any action at this time because payments were not scheduled to begin. 

Months in advance of the XXXX payment restart, I logged in and entered my banking information and set things up for auto-debit starting with the XXXX payment. A few days before XXXX I logged in and confirmed that this payment was scheduled to be auto-debited from my bank account. 

On Monday XXXX I logged in to see if there was any payment activity. I was surprised to see that my loans were shows as " past due '' and there were no pending payments. I checked my bank and there was no debit for the payment. I tried calling in to the support line and after hours on hold was unsuccessful in reaching anyone. 

On Tuesday XXXX I checked again and was still showing past due with no pending payments. I tried calling in again with XXXX success. So I went ahead and made a manual payment online. 

On Wednesday XXXX I checked online and still it showed no payments were pending. However, my Bank also processed the auto-debit in addition to my manual payment. Luckily I had enough in my checking account to cover both payments. It took another several business days for the payments to post to the account ( XXXX  XXXX ). 

The XXXX and XXXX payments pulled within XXXX business days of the XXXX, but again there was no activity in " pending payments '' and it showed as past due. 

The same thing happened this month. Showing past due, it shows I have no pending payments, and XXXX success trying to reach anybody at nelnet. This morning I see the payment has hit my bank account, but on nelnet I'm still showing past due and there aren't any payments pending. 

Based on my remaining loan balances, this is going to be a long-term relationship and I can not see a path where this is workable/ethical in the long-term. I know having a functional loan servicer is possible. XXXX XXXX was great. If I did have a question or issue I could EASILY get someone on the phone. It has been 4 months and there has been XXXX  movement on any of these issues. The functionality of the website appears to be from the early aughts. This is absolutely ridiculous. I am trying to do my part in repaying my loan and am struggling here.
Product: Student loan

MOHELA has reviewed my Public Student Loan Forgiveness Application. I received a letter from them today, indicating that my employer did not complete their paperwork to certify my employment correctly. I went back through paperwork from all employers, since MOHELA did not specify each one, and everything looks like it was done appropriately. The letter provides a phone number to call and dispute the outcome. I spent an hour trying to get through to anyone, and a message comes up indicating that they can not take any calls at this time. I'm not sure how I'm supposed to dispute the claim when the agency refuses to talk to anyone. 

Some of us have discussed a class-action lawsuit or something similar if MOHELA continues to not assist with disputes. Please feel free to contact me for more information. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unconfirmed accounts specified below continue to report on my credit file despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is fraudulent reporting this collection to my credit bureaus
Product: Debt collection

I was suppose to work for a company by the name of XXXX XXXX. In 9 months nothing materialized and we mutually decided to end the contract. Once it was ended, I received notices from a debt collector Stuart Lippman and Associates. They stated that I owed XXXX XXXX for E & O Insurance through XXXX XXXX. I asked them for the policy that bears my name so that I can have the policy cancelled, as I have E & O that I purchased through XXXX. I explained to them that I am in the process of disputing this with XXXX XXXX and they told me that if I don't pay they will put this debt on my credit profile. I am in the process of purchasing a home, and I no longer can get the rate I had once I applied because since they did this, my credit has suffered as it dropped 40 points. I have had NOTHING negative on my credit in 5 years I worked very hard to get a good credit rating, and now I no longer qualify for the tier I was approved for and I am an Insurance Broker and I cant work for Companies with negative credit. I have continuously asked them to validate the debt by sending my the policy and instead they did just what they said and put this negative information on my credit profile. This has really affected me negatively and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.
Product: Student loan

In short, MyFedLoans changed their policy regarding applying for Income Based Repayment this year. They began requiring non-borrower information and tax returns. Further, they did n't train their representatives well on how to explain the new policy to customers, and then capitalized THOUSANDS of dollars of interest increasing the total amount that is daily compounding interest on the loan. I know that this is not just my situation, but that of tens of thousands of borrowers. They have also refused to answer correspondence though I have called over 10 times and submitted online complaints 5 times. This will add over 2 years to my repayment and takes me back to square one. It is also in direct violation of the Student Loan Borrower Repayment Rights in several key areas. I have never fallen behind, thankfully, but instead of them processing my paperwork, they also forced me into forbearance for another two months while they figured out my paperwork, resulting in even more interest to be capitalized. Ultimately, my paperwork was accepted and my student loan payment went DOWN, but this is very demoralizing to student borrowers and will keep them in repayment for far, far longer than is reasonably necessary ( for those who have the desire to actually pay off their debt ). And, for those who can not reasonably expect to, it will increase the amount of their tax liability when the remaining debt is discharged. This is unethical, immoral, and simply counter to established loan servicing guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me. 
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c )  : Transactions Not Initiated by Consumer.
Product: Debt collection

I was called at about XXXX XXXX today, XXXX/XXXX/XXXX, regarding a XXXX XXXX account issued by Comenity Bank. I told the phone rep that I was woken from a dead sleep, confused, did n't understand what she was saying, and asked to be called again in an hour. She refused. 

Looking on their web site later, it appears that the bank alleges I paid the balance of {$57.00} in full on XX/XX/XXXX, four days after the late fee date of XX/XX/XXXX. My memory is of paying the full amount, in person, at the store. So there should not be a continual series of escalating late fees. I 'm not making a legal argument, but from a common sense viewpoint this is usury. 

I believe I did make a compromise offer on the phone this morning, as did the telephone representative, but we did reach agreement on an amount. And this was after I had said I was tired and confused and did not understand. So even though I stated, on a recorded call, my compromise offer, I do n't think that should be the starting point for any future negotiation. Instead, the bank should apologize for waking me and close my account as of when I paid the then-communicated-to-me full balance of {$57.00}, since I have made no further charges. 

I asked the phone rep to close my account this morning. The rep refused on grounds that they wanted to continue to add to the late fees. After the call, we went on the web site and confirmed the account is still open.
Product: Credit card

I had auto payments set up and forgot about that. I changed banks due to a divorce and forgot to change this to the new bank. I never got a text or anything until it was already 30 days passed due. Which then had a huge impact on my credit. This was just a mistake and I never got any notice to say it was late. I still paid on the credit card. It is with capital one. I never missed a payment until now. And it was XXXX dollars or so
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my XXXX consumer report on XX/XX/XXXX and XXXX XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I have not initiated any transaction with WFBNA AUTO. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with WFBNA AUTO for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX Equifax credit burau XXXX XXXX XXXX XXXX, GA XXXX Dispute of debt and request for validation I am writting regarding your recent communication concerning an alleged debt. I am disputing the validity of this debt under the fair debt collection practice Act ( FDCPA ) 15 U.S.C & 1692g, and I am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. The name of the original creditor.

2. The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. Verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate i am legally obligated to pay this debt. 

Additionally, I request that you Cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt without proper validation will be considered a violation of the FDCPA, and I reserve the right to file a formal complaint with the consumer financial protection bureau ( CFPB ) and other relevant authorities. 

Please respond to this request in writting within 30 days from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander targets sub prime lenders through sophisticated technology and prioritizes loans toward people most likely to default. 

Santander targets people who are seen as illiterate and approves of their car loan. 

Santander than continues to change the principal and interest prices monthly, knowing, that people with poor income have a much lower chance of consistently checking their car loans for any inaccuracies and discrepancies.
Product: Checking or savings account

I have been making transfers to and from accounts and then suddenly my funds was being held for 5 business days then 10 business days, then we i did a mobile deposit the funds was held even though the system said i could deposit up to XXXX, the check for was XXXX and i should have had immediate access to my funds and because i didnt, i had several bills and payments declined and was sent back and then i suffered many NSF from USAA XXXX dollars for each occurrence, this has to constitute some kind of fraud on USAA part. 

Also if you will look at the pdf of my bank statement you will see where I was charged XXXX dollars Over draft fee, I WILL NOT STOP FILING A COMPLAINT UNTIL IM TREATED RIGHT AND USAA FIX THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation.

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage lender has been collecting property taxes from me, but I do not see them paid to county. I remain there in my escrow account piling up. Country has started charging me interest on unpaid taxes.
Product: Credit card or prepaid card

XX/XX/19 : Received email notice that Citicards is no longer partnering with XXXX ; the notice states that my XXXX Citicard will no longer be valid after XX/XX/19 ( this is prior to the maturity on my credit card ). 

XX/XX/19 : Chat with Citicards ; asked if my Rewards would be honored. 
I have earned {$280.00} using this card. Was told that rewards would not be paid because the card is closing. Asked for their complaint department ; was told the only way to file a complaint is to send it in writing. I was given an address. 

XX/XX/19 : Logged into Citicards ; it is still showing how I can earn cash back on my purchases. My reward of {$280.00} is still listed.