23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against Westlake Portfolio Management ( operating under the name XX/XX/XXXX ) regarding issues I have encountered with accessing my account, updating my payment method, and the potential impact on my credit. I began a dental aligner treatment with Byte in XX/XX/year>, which was financed through a monthly payment plan administered by XX/XX/XXXXThe total cost of the treatment was {$2400.00}. I have consistently made my payments on time and set up automatic withdrawals through their online system. However, several issues have arisen that I am unable to resolve, and I am now concerned about the impact this will have on my credit. 

Inability to Access Account : My credit card on file was compromised due to fraudulent activity, and I needed to update my payment method. 
I attempted to log in to my account using my correct username and password, but I received an error message stating that one or both were incorrect. 
I tried to reset my password, which worked on XXXX website but not on XXXX 's website. I received an error message on the XXXX website stating " No valid user account found. '' When attempting to register a new account, I encountered another error message saying, " Sorry, currently our systems can't process your request. Please contact customer service at ( XXXX ) XXXX. '' Failure to Resolve Access Issues : I reached out to XXXX customer service by email and phone multiple times, but I have not received a response. 
The XXXX of XXXX, XXXX XXXX, initially reached out to me and informed me that there were no blocks or restrictions on my account, but she instructed me to contact customer service for assistance. I had already attempted to contact customer service by email and phone multiple times without success, but still received no response. 

Fear of Account Delinquency and Credit Impact : Despite my efforts, I have been unable to update my payment method, and I am concerned that my account will become delinquent, potentially being sent to collections. This would severely impact my credit, which I have worked hard to improve. 
I am uncomfortable providing my new card information over the phone or by email due to concerns about security, especially given the lack of responsive customer service from XXXX. 

Concerns About Business Practices : Given the lack of access to my account, failure of customer service to respond, and the difficulty in resolving a simple issue, I believe that Westlake Portfolio Managements practices are suspicious and possibly predatory. 
I am deeply concerned that their lack of communication and refusal to help could lead to unjust harm to my credit and financial standing. 

I respectfully request the CFPB investigate this matter and assist in ensuring that Westlake Portfolio Management provides a viable solution to update my payment method and avoid negative consequences for my credit. If this issue is not resolved, I will be forced to consider taking legal action. 

Thank you for your attention to this matter.
Product: Bank account or service

I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Bank of American let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Bank of America and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive.
Product: Credit card or prepaid card

Capital One started by charging a late fee when in fact the account was paid on time. I called the XXXX number and the rep refused to remove the late fee, at that time I requested the account be closed. The rep on phone stated that the account was closed but when I pulled my credit report it showed as open also Capital one charged late fees and interest on those fees, in addition they reported the account as not paid ( 120 days late ) to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent XXXX a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, XXXX  XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX, XXXX XXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  These are the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, There XXXX also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX,
Product: Debt collection

Debit of phone bill was made via autopay for my small business. I closed my business and called XXXX XXXX XXXX to terminate my account. I called multiple numbers and spoke to multiple people telling them I wanted to close my account. XXXX XXXX XXXX kept billing me for several months after so I called my bank an revoked authorization. They continued to bill me and then sent me to collections. They collection agency continues to pursue this debt and I continue to dispute it multiple times. It has been close to 3 years now. The recently reported it for a 3rd or 4th time on my credit report. I am sick of having my credit report dinged every three months and then having to dispute it. Finally, I just paid the amount owed so they would go away and they filed against my credit report again after I paid.
Product: Credit card

I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Monday, XX/XX/2018 To whom it may concern, I have a mortgage with Summit Funding Servicing. My loan was transferred to Summit Funding Servicing in XX/XX/2018. I have had to contact them at least one time per month, beginning in XX/XX/2018. To encapsulate, for three of the five months that my loan has been with Summit Funding Servicing, I have had to call them to point out that they had made the error of withdrawing double escrow payments. I am reporting Summit Funding Servicing because per customer service the error will be made monthly and will not be corrected unless I call monthly. Also, I truly believe that other consumers may not be aware of this error or the need to contact Summit Funding Servicing monthly to ensure that the error is rectified.

My monthly mortgage payment totals {$1400.00} out of that {$410.00} goes toward escrow. Monthly, the Department of HUD Mortgage Insurance receives {$140.00} from escrow leaving a remaining balance of {$270.00} to go into my escrow account to pay for my taxes and homeowners insurance. However, Summit Funding Servicing is taking the Department of HUD Mortgage Insurance payment of {$140.00} from both my initial payment for the month, which is always documented in the payment history, and an additional {$140.00}. There is never a formal record/documentation of the second {$140.00} that was removed, just missing money from my escrow account that is meant for my taxes and homeowners insurance. Meaning Summit Funding Servicing takes {$280.00} until I call and review my account with one of the customer service employees. When I called, on XX/XX/2018 I told a Summit Funding Servicing customer service representative and her supervisor that I would be reporting them and on XX/XX/2018 my account was updated to state that the additional escrow payment was withdrawn on XX/XX/2018 ; although, I had not made XXXX 's payment, yet. 
I want you all to not only rectify my situation, but to do a full investigation to ensure that other consumers are not being cheated. I should not have to call my mortgage company monthly to have my account corrected. I should be able to go online and obtain an up-to-date, accurate copy of my payment history that includes any additional funds, or withdrawals ( i.e. tax and/or homeowners insurance payments ).  Also, most months I pay extra money towards my escrow, and principal as well. However, it is never reflected in the month that I paid it, my account reflects the additional funds in the following month instead.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there IT IS INACCURATE AND UNVERIVALIBE. I demand the below accounts deleted from my consumer report immediately. 

XXXX XXXX  Account info Account number XXXX Open/closed Date opened XX/XX/year> I demand this account/s be deleted from my consumer report. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number
Product: Credit reporting or other personal consumer reports

Trans Union LLC just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF MY REPORT!
Product: Credit card or prepaid card

I am 12 days late on my credit card payment and have received 14 robo-calls from Citi bank between the dates of XXXX XXXX XXXX and XXXX XXXX XXXX. This feels like harassment and I've blocked their phone number on my phone, but this doesn't prevent them from leaving voice-mail and filling my voice-mail box, preventing me from receiving future voice-mail from potentially much more important people unless i go through and delete the voice-mail daily. On average, Citi bank calls 3 times a day, leaving voice-mail ranging in length from 1min 2sec long to 2min 11sec long. I'm well aware I have a payment due and I will be getting paid in the next few days to complete this payment as I do not want my account to become 30 days late. This feels like harassment and they shouldn't be able to call every day, 3 times a day, leaving 3 voice-mail a day... 

The payment was due XXXX XXXXXXXX XXXX 
These calls are on XXXX and each call has an accompanying voice-mail : XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls ( so far ) : XXXX.
Product: Debt collection

XX/XX/2018 total of {$430.00} which was included in a bankruptcy. I do not owe this dell debt. Once applied to credit it affect my credit score with a decrease off 100 points. This is not my mistake and I want it removed.
Product: Credit card

On my XXXX statement I was assessed {$1.00} paper statement fee. We do not use our Lowe 's credit card each month or carry a balance - an electronic statement would only get lost in an already too full email account - that I may or may not even know to look for since we do not use this card frequently - thus we could incur late fees. A paper statement fee feels like a junk fee that credit card companies should not be able to access consumers. 
This is a terrible customer service experience and such a petty way to lose long time customers. We choose Lowe 's over XXXX XXXX because of the XXXX  % off when using the Lowe 's credit card, but if we are forced to use our personal credit card to avoid a paper statement fee than that puts Lowe 's and XXXX XXXX on a level playing field, so we will choose XXXX XXXX. These types of fees may seem nominal to the company, but no one likes to be nickeled and dimed with fees- very poor business decision on their part.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 i made a purchase with Paypal account in the amount of {$1300.00}. On XXXX XX/XX/2022 Paypal double charged my bank account under two diferent checking accounts for the same transaction. On XXXX XXXX and XXXX XXXX I contacted Paypal customer services and made them aware of the issue. Paypal has acknowledged their mistake however to this date they have failed to returned the over charge of {$1300.00}. I have contacted XXXX XXXX XXXX XXXX and initieted a claim to disput the doble charge.
Product: Debt collection

I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields. 
Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency.

This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now.

I will consider not perusing legal action against XXXX if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.
Product: Checking or savings account

I opened a Saving account in Wellsfargo branch on XXXX as per the promotion code XXXX that I need to open the account and keep {$25000.00} for a month to get {$520.00} rewards. I opened with the associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent her email on XX/XX/XXXX about this didn't get any reply. Spoke to customer service XXXX on XX/XX/XXXX at XXXXXXXX XXXX he spent 15 minutes but unable to help due to unresponsive system.

I need my reward {$520.00} as promised
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. Furthermore, 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: Debt collection

I had a credit card debt that was closed. MSW Capital bought the closed account and used XXXX XXXX XXXX XXXX to collect. XXXX contacted me to start a payment plan. I was told that the debt was paid. However, MSW Capital, blindly, set up an interest on the closed account. I have tried to contact MSW Capital for 3 months. I was contacted once by MSW by XXXX XXXX. He told me that it was unusual to charge interest. He said he was going to look into the contract. He never contacted me back. I have made complaints with the XXXX, but it was unresolved. I just want my credit corrected and stop making payments. I have made a $ XXXX monthly payment for 3 years. I am an XXXX soldier with a security clearance. I do n't my renewed clearance jeopardized by this issue. MSW Capital had no right in buying my account, charging interest, and use a third party collector to collect on the account, without my consent.
Product: Credit reporting

XXXX hard inquires still on my credit reports all from XXXX, XXXX/XXXX/XXXX. These are almost 2 years old. Also from same company on XXXX/XXXX/XXXX, and again on XX/XX/XXXX.Reports to all XXXX credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}