23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Westlake Portfolio Management stole my personal vehicle on XX/XX/XXXX from XXXX parking lot at XXXX. The XXXX address is XXXX XXXX XXXX, XXXX GA, XXXX. 

I reported the stolen at XXXX with A XXXX XXXX XXXX and received a case number On XX/XX/XXXX at XXXX, I spoke with XXXX and requested evidence of the original contract. I also requested evidence that I gave Westlake Portfolio Management permission to obtain my securities. XXXX ( XXXX ) informed me he would have to transfer me to his supervisor XXXX XXXX to speak about the securities. XXXX also informed me that he put in a request for evidence of the original contract. 

On XX/XX/XXXX I called at XXXX and spoke with XXXX ( XXXX ) and she transferred me to XXXX XXXX her supervisor. XXXX gave me the personal number to XXXX XXXX. In the voicemail, I demanded evidence of the original contract which is an asset. 

on XX/XX/XXXX @ XXXX XXXX. I spoke to XXXX who transferred me to XXXX XXXX, the individual who has been working on my file. I informed XXXX that the time allotted XXXX hours for the contract has almost passed. He informed me to keep calling back until I received the email. As of XX/XX/XXXX, no contract has not been received. 

on XX/XX/XXXX I spoke with XXXX and emailed my notarized XXXX certificate of origin document to Westlake as evidence that it is my personal vehicle and Westlake in conjunction with XXXX is restricting my constitutional right to travel.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that it's not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft  affidavit/report that I am attaching ).
Product: Debt collection

I am filing a report of Fraud in reference to an account that was placed in my name years ago and I reported to the company that I didn't open the account and it was supposed to have been deleted, but it wasn't and it was allowed to accumulate service fees and late charges that are still trying to be assessed to my name. The current holder of the fraudulent account, Transworld System Inc, continues to preform a dishonorable act by continuing to report this fraudulent account on my credit profile after years of dispute on my behalf and inconsistent, unverifiable documentation supplied by the said original creditor which is XXXX. The said fraudulent Account # XXXX needs to be removed from credit profile immediately, for it is not my account, so I bear no responsibility to this said fraudulent account.
Product: Credit reporting

Equifax has n't sent my free credit report for the last two years & I know I did things right to get it when I called annualcreditreport.com. Someone from that company 's been lying about it the first time on XXXX to me & I have n't got a response about the XXXX one. I 've also informed the FTC & FBI about it on XXXX.
Product: Debt collection

The debt just showed up on my credit report. I have never heard of them, and I have never received service, or purchased a good ; or any other items from them.
Product: Mortgage

Shellpoint/New Rez mortgage company continues to either not apply payments or apply payments late in order to extract additional fees to homeowners. I went to XXXX of South Carolina and it was indicated that information was not applied properly and Shellpoint/New Rez updated their records, just to later say they made a mistake. This is an ongoing issue that needs serious attention and a forensic audit needs to had at the highest level. In XXXX ( document attached ) there was a surplus overage resulting in the payment going back to {$1200.00} however the account is never credited on time. Fees for insurance regarding HOA was accruing after documents had been for over a year and it was not until the information was supplied to XXXX of South Carolina did they update the records however then they did an about course again. They are not mortgage company that should be operating in any community as it appears the personnel working at this institution is not capable of properly crediting accounts in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.
Product: Debt collection

On XX/XX/2019, I received the debt collection letter for {$780.00}. The creditor is the apartment I have moved out 5 years ago and I have confirmed that I didn't own them any amount when I was moving out that time.
Product: Money transfer, virtual currency, or money service

I have two unauthorized charges on venmo. 
1. dated on XXXXXXXX XXXX2020 @ XXXX to XXXX XXXX and the second unauthorized charge on XXXX XXXX 2020 at XXXX to XXXX XXXX as well . 
Venmo mixed up the charges. The payment to XXXX XXXX is correct. Venmo is very unorganized. The two charges I am fighting are both for XXXX XXXX 

2. I have contacted venmo on several occasions stating I did not authorize these charges and have filed a complaint with my XXXX bank. 

3. Venmo states they could not find any unauthorized activity. I don't know what steps they took to state that but I did not authorize these charges and would like for you to help me resolve this case, and also have Venmo re-instate my account. 
This is no fault of my own. 

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

XXXX  XXXX XXXX XXXX and TransUnion XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with XXXX  and TransUnion several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from my credit report.
Product: Credit reporting or other personal consumer reports

It has to my attention that CAPITAL ONE is updating and verifying inaccurate account information that was disputed through the consumer reporting agencies. Specifically, XXXX. CAPITAL ONE has modified the account numerous times but did not correct the errors I have been disputing. 

The account with CAPITAL ONE is reporting from the CRAs inaccurately. These errors include misreported late payments that are formatted inaccurately in the payment history section of the account in my consumer report. 

I request an investigation into this matter per 15 USC 1681s-2 ( 8 ). There are late payments in this account that are the same and triplicated currently reported as 60-days late item notations subsequently. Another late payment reports as a 120 days late item notation and digresses to a 90 days late item notation. These are just some of the inaccuracies. There is also a payment that I made on this account that is not being reported. 

This account is both inaccurate and incomplete and the Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to consumer reporting agencies. 

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Collection item appeared on credit report on XXXX, XXXX, and XXXX for over {$5000.00}. I do not owe anything and no communication attempt has been made by the collection agency or alleged debtor.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG XXXX DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN XXXX XXXX  WITH ( XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER BEEN LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Product: Checking or savings account

on XX/XX/2024 i had XXXX unauthorized charges on my debit card, i promptly called them in and was given XXXX claim numbers first XXXX is XXXX and the XXXX one is XXXX they investigated the claim for XXXX  days and then denied it, i am not sure how you can investigate in XXXX days. of the XXXX cahrges XXXX of the charges were exactly the same amount both for XXXX totaling XXXX and the other one was an XXXX transaction for XXXX. XXXX of the XXXX charges was refunded by the merchant but the other one was not. so obv there was something wrong if the company refunded XXXX transaction on there own. that day i had gone to the bank and withdrawn XXXX from the atm and then pulled out another XXXX out of my account at a branch. There would be no need for me to pull out XXXX out of an out of network XXXX, which i never do i as i don't like to pay the extra fees that come along with them. none of the efforts by bank of america seems right as everything i was told was that there is no video evidence, and not enough for them to go off of. They determined this in XXXX days multiple times. i need this money as it is supposed to be used to move my family. i had this issue escalated multiple times with little help. even with bank of america knowing i never use other atms, pulled out XXXX total that day on my own and the merchant returnign XXXX of the charges they refuse to help resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts that need to be removed are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit card or prepaid card

I was the victim of Identity theft. Accounts with Cable companies and cell phone providers were opened using my name and SSN. All my credit reports have been frozen since the XXXX data breach. So no new account line of credit inquiries on my credit report are possible. 
However these accounts did not inquiry on my credit reports. The accounts went to collections after no payments were made. I am currently disputing the charges and submitting documentation. 
Citibank lowered my line of credit on my citibank credit card. I explained that I was the victim of fraud and asked that my credit limits be restored. They refused to restore my credit limits. After many attempts to explain I was not at fault and given the current joblessness and financial crisis they should reconsider. I had been a long term client of citibank and had always made any payments minimum or otherwise on time. 
The employs and supervisors of Citibank Credit card customer service were rude and unresponsive. I settled the balance of the card and closed the account. 
Citibank them claimed I owed them interest after paying off the card and closing the account. I argued with them again. Finally, I was forced to pay interest on a card I had payed off and closed. The customer service from every person I spoke with at Citibank was horrible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, still reporting on my credit report in violation of Federal Law. The XXXX is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681 within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit card or prepaid card

I paid my credit card bill in full on XX/XX/XXXX, and because my account is " new '' by some definition of theirs, the payment won't be credited in full until XX/XX/XXXX per their live chat representative. This causes my current available credit to be much less than what was promised, and leaves me without my promised cash-back rewards.
Product: Money transfer, virtual currency, or money service

PayPal Payments XXXX To : XXXX Mon, XX/XX/XXXX XXXX XXXX XXXX  logo Dear Customer, There's a lot of choices out there but you singled us out and that means a lot. Thank you for placing an order with us. 



Transaction ID : XXXX Date : XX/XX/2020 Phone : XXXX XXXX XXXX Order Details Ttile Quantity Price Total XXXX Exchange x 1 {$470.00} {$470.00} Total : {$470.00} issue with the transaction? 
You have 24 hours from the date of the transaction to open a dispute. XXXX XXXX XXXX. 

********************* Above is a e-mail I received from PayPal (? ) I read it on Sat. XXXX XXXX. 
I have not responded to anyone about this. 
I really don't know what to do. I never in my life bought bitcoin. 
I remember using PayPal once in my life, I'm XXXX years old it could have been last year or 10 years ago. It scares me to even call the phone number listed above. I can't answer my phone now because of the scammers. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, I get them all. Can you tell me if someone should be called? What should I do now?
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX using a referral code from my friend. The offer that came with this code was to get {$250.00} bonus after depositing {$10000.00} and keeping it for 8 weeks. I have completed this requirement, but never received {$250.00} bonus. I contacted HSBC in XX/XX/XXXX and they promised that bonus would be deposited within 8 weeks. So I waited 8 more weeks, but again received no bonus. When I contacted them again they started telling me weird stories. First they told me that I don't qualify for this bonus because I had a credit card opened with HSBC. In fact I never had any credit card with HSBC.  Then they told that I don't qualify because I had HSBC debit card opened as of XX/XX/XXXX, but offer required no opened account with HSBC as of XX/XX/XXXX. Yes, I had a checking account with HSBC before, but it was closed on XX/XX/XXXX, which is 5 months before XX/XX/XXXX, so I couldn't have any active debit card on XX/XX/XXXX. I had to explain that several times, but they still refuse to issue {$250.00} bonus without any reasonable explanation. As a result, I had to keep {$10000.00} on this checking account for almost a year hoping to receive the promised bonus and I lost an opportunity to earn interest in other banks.
Product: Money transfer, virtual currency, or money service

My phone/device was lost and my card was linked to CashApp overtime and gradually emptied into XXXX transactions that Im unaware of. I realized this recently and luckily caught it.
Product: Debt collection

This happened in XX/XX/XXXX -XXXX XXXXI was told by Capital One that I had to call everyone, and each month I did until I got tired of it. WE are not working, how can the economy keep charging us fees and interest rates for credit cards during Covid. It makes no sense. 60 % of the population in the US is not working. These stimulus checks and government assistance is helping a little but not enough to pay my credit debt. Also, with the merge of Capital One and XXXX really affected my credit even worse. Also Capital One on XX/XX/XXXX offered an outrageous offer of an account program for all my accounts for short term of XXXXAPR. And informed me they could not make my payment lower then that, but I should still make the payment but I will continue be charged fees and late fees only for 2 cards because they can not offer me no late fees for all my credit card with Capital One. So, now they can change my APR to lower my payments and fees. I did not bring Covid to the U.S. so why people with low income are getting hit the worse. The state of North Carolina is not absorbing any of our fees from credit card companies. I do not understand when an healthcare pandemic happens we are held liable for bills and credit cards. What more important credit cards or a human live? 
Capital one did not even want to consolidate my debt due to there merge with Walmart. How as an consumer am I protected. I been a XXXX XXXX for years, helping and this is how XXXX XXXX are treated.
Product: Debt collection

I received a garnishment letter from my job stating that wages were being taken for LVNV FUNDING LLC, for credit card debt. I was never informed of this debt or received any notice of garnishment. I had to go to court to try to stop te garnishment and I was told that I was in fault of default judgement for the following case Case : XXXX LVNV FUNDING LLC, I looked into laws and my rights and found out the this company do not have license to collect in the state of TN. 

Details License # Status Expiry Date Rank Name ATTN Original Date XXXX Application Expired ' LVNV FUN $ DING LLC,    ' XXXX Application Withdrawn ' LVNV FUNDING, LLC,    ' This company is collecting {$1000.00}. Not only did they not give me notice or proof of this debt they are not allow to collect in TN