23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently used a debt management program starting in XXXX, I believe. I went through a divorce during the pay off plan and my ex and I divided our debts according to who the primary card holder was. I paid all my debt using a debt settlement program and by XXXX I paid off over {$60000.00} worth of my debt. I am now being sued by XXXX companies trying to receive the amount that was written off through a settlement. My debt management company does have a lawyer that keeps going to court for me but it hasn't been resolved yet. There is now a forth company that I have written to on multiple occasions asking for proof that I am the original account owner and not just an authorized user on my ex husbands account. They are not providing this information to me and threating to sue me for this account as well. In my legal divorce paperwork it states that each of us are only responsible for the debt that is in our name as a primary account holder not an authorized user. I don't know how to stop the lawsuits for accounts that the creditor agreed to settle and write the amount off. It is the written off amount that is being sold to debt collectors and then I am being sued for it. I feel harassed by the debt collectors and I feel that since I used a debt management program that I should not be responsible for the portion that was written off as part of the payoff agreement. I don't know where to go for help with this. Any info would be greatly appreciated. I can't keep being sued and this stress is getting to be far too much.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding persistent errors in my credit card statements, including incorrect amounts and unauthorized charges that have not been rectified despite my numerous attempts to resolve the issue with American Express. Over the past nine months, I have been charged amounts exceeding {$5000.00} across multiple billing cycles. I promptly provided detailed documentation and proof of these discrepancies, yet the company has failed to take corrective action. Instead, they have continued to impose interest and late fees, compounding the financial and emotional burden caused by their negligence. 



I demand immediate cancellation of all debts associated with the erroneous amounts on my account and a full correction of my credit report to reflect accurate information. American Express has consistently ignored my requests for accountability, violating both federal and state consumer protection laws. Their refusal to address these issues not only demonstrates bad faith but also leaves me with no choice but to escalate this matter through your office to ensure my rights are protected and justice is served.
Product: Money transfer, virtual currency, or money service

I used XXXX  to transfer funds and it didn't go to correct person
Product: Debt collection

This Collection agency Company  XXXX   XXXX  has failed to provide proper verification of the accou nt they brought from Walmart/ Synchrony Bank/Walmart.  This company has not and could not provide in formation like documents bearing my signature that I owe ( {$540.00} )  to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  XXXX   XXXX  about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company  XXXX   XXXX . Dont matter the original creditor have the same account number as the collection a gency. Synchrony and   XXXX   XXXX  different companies have on my credit report. I feel they are trying to be smart by having the same account number unde r two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then al l files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature  for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Product: Debt collection

I attempted to dispute a medical debt collections on my credit report since I had no knowledge of the account or collection status. The collection agency did not send written information regarding the debt owed, but submitted to the credit bureaus as accurate. I have now have no way of verifying the debt ( original service date, total amount owed, etc. ). I suspect this is not a legitimate debt as I have not had any outstanding medical bills needing attention.
Product: Checking or savings account

On XX/XX/2023 I received an e-check from a party who signed me up as his employee. The name of the company was XXXX. He issued me a check for {$4800.00} to but the equipment. 
I checked online the routing number given on the check was from Bank of America Illinois. I can verify only that information. He told me to print the e-check and endorse it and using BOA mobile bank app deposit it. On XX/XX/2023 using my mobile app of BOA on my smart phone I deposited the check. I received an email from BOA that the funds will be available by the next day. On XX/XX/2023 in the morning it showed me that check is cleared and fund is available as clear amount. It increased my bank balance by {$4800.00}. I checked the status of the check using online banking it showed by " Cleared ''. I have screenshot of that. 
Then as my employer requested to transfer the funds using BOA XXXX app to purchase the laptop to his trusted vendors. I made XXXX transfer of {$1000.00} using XXXX. But I suspected a scam victim so I contacted Bank of America and they told usually check takes XXXX days to process. Then I asked them to stop the transatcions. 

On XX/XX/2023 Bank of America returned the check reporting it as counterfeit. They reversed the transaction. But to this my account is in red. 
The balance in my account before check deposit was {$1900.00} but now the question is when I was not having the money in my account then how the transfer took place? 
Now my bank account balance is in red {$1000.00}. 

Due to the false reporting of the Bank of America XXXX XXXX in loss of {$3000.00}. They first reported that check is clear and they increased my balance whereas the check was in processing state and the funds were not available. 

When I deposit a check in bank I never asked for a credit balance. Yes there is federal law that requires the funds to be available quickly when a check is deposited but that does not mean banks will report false. 

Clearly this is a mistake on Bank of America part. They never processed my check but reported as cleared and increased my bank balance. Then three days later they reversed the transaction. 

The case is already reported to my local police station, IC3 website of FBI and my state atorney General office and now with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My husband and I closed on a VA OTC construction loan with Cardinal Financial in XX/XX/XXXX. According to the executed draws that had been paid and a review of the XX/XX/XXXX statement showing the undisbursed construction funds, we should have had approximately {$37000.00} left over in construction funds. Our breakdown is as follows : XXXX Remaining Undisbursed Construction Funds ( as of XX/XX/XXXX mortgage statement date ) XXXX Revised Draw # 8 Amount ( Signed by XXXX XXXX XXXX XXXX on XX/XX/XXXX ) XXXX Remaining Undisbursed Construction Funds as of XX/XX/XXXX XXXX Interest Payment for XXXX ( XX/XX/XXXX ) XXXX Remaining Undisbursed Construction Funds as of XX/XX/XXXX However, our online Cardinal Financing mortgage account shows multiple payments on XX/XX/XXXX in the amount of XXXX with no detail as to where those payments went. 
Neither the XXXX XXXX XXXX XXXX  mortgage statements from Cardinal show any transcation activity in the amount {$29000.00}. 

On XX/XX/XXXX, I inquired about this via email to XXXX XXXX of Cardinal. She responded on XX/XX/XXXX that she was forwarding my, concern to her manager, XXXX. I have not heard anything from XXXX XXXX, XXXX or anyone else at Cardinal since that time. 

If these funds have improperly converted to Cardinal Financial 's own use, this is wholly inappropriate as we were forced to obtain a XXXX personal loan to pay for what was presented as a " shortage '' at the end of our construction. Had these funds not been improperly converted, no loan would have been necessary. We are seeking the return of the amount of {$29000.00} and any additional penalty imposed by the CFPB. My husband is a veteran who served his country and he should not be taken advantage of in this manner. Cardinal made the situation worse by not even responding to our very legitimate concern.
Product: Credit card

I requested the company correct discrepancies on the credit reporting agencies. Some late payments are reported one way on one and another way on another. This is hurting my score and they " verify '' the information though do not correct or validate for why it is correct. FCRA requires companies to remove information in that case.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in 2000! I placed a dispute with XXXX two months ago. The result from that dispute was that the account ( Bank of America ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my XXXX score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if Bank of America and XXXX had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if XXXX  had reflected the account as closed in good standing instead of removing it from my report my score would be higher
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBERs : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX Fax : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY ASSOCIATESor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY ASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Mortgage

The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message.
Product: Debt collection

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Morning of XX/XX/2024 I entered a transfer to Capital One from XXXX XXXX. I immediately changed my mind and tried to cancel but there is no cancel option anywhere online. I called Capital One and representative said he could not cancel so I spoke to a supervisor who said to cancel by calling XXXX. I called XXXX and was told capital one should have a cancel option and that XXXX did not show any initiation for a transfer and to cancel with capital one. 
I called Capital One again and spoke to supervisor XXXX who said they couldnt cancel and that the money would be available for me on the XXXX of XXXX ( 7 days or 4 business days ).
Product: Credit reporting or other personal consumer reports

I HAVE NO ACKNOWLEDGEMENT OF THESE ACCOUNTS THEY ARE FRAUD Commercial Card XXXX XX/XX/XXXX XX/XX/XXXX Other {$1400.00} {$1400.00} Suspended or Closed Commercial Card XXXX XX/XX/XXXX XX/XX/XXXX Other {$11000.00} {$11000.00}
Product: Credit card or prepaid card

This is in regard to a capitol one credit card From what I understand, there was a 21 % credit card open in XXXX in my name. Unfortunately, I can not confirm who opened the card, nor can I confirm the purchase was made. Capitol one tells me a charge was made at a gas station near my home in XXXX, Hawaii ( XXXX ). The purchase was for {$15.00} I made payments continually, on time. Capitol one raised the payments with some fort of hidden fee and continued to charge me late fees. Capitol One manipulated the situation and socially engineered me when I called in to get information on this card XXXX. Capitol one sent me a letter stating I have never been pate on a payment however the debt collection completely contradicted the letter and now they say I owe approximately {$1000.00}. 

Tried contest by : - created a complain with XXXX XXXX XXXX they did nothing - XXXX XXXX contested with a letter Now I am here hoping someone can help. Please help!
Product: Credit reporting or other personal consumer reports

I PULLED MY XXXX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Student loan

My XXXX XXXX accounts for the school that I attended back in XX/XX/XXXX in the amount of {$2500.00} & {$3500.00} for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ended up being sent to U.S. Department of Education collections department due to supposed DEFAULT. I have all my statements supporting that I have been in good standings with my federal loans. I have talked to XXXX   XXXX associates XX/XX/XXXX & XX/XX/XXXX and yet they have not attempted to reach out to U.S Department of Education to inform them that my Lone needs to ben Referred back to XXXX XXXX. I actually have a letter from XXXX XXXX stating that my two loans XX/XX/XXXX have been discharged on the basis of false certification from the school that I attended. I am no longer obligated to make payments on lones. But yet my account was sent to U.S Department of Education even tho my account was in good standings. As far as I know somehow XXXX XXXX staff made a major mistake and they should fix it, my credit has been impacted due to them over looking Important details on my accounts. Staff maid a huge mistake on my XXXX account.
Product: Checking or savings account

hope this message reaches you with the sincerity and urgency it carries. I am writing to you as a XXXX student who finds themselves in an unbearable situation due to the sudden closure of my Chase checking account and failure withdraw of the balance. 

In early XXXX discovered that my checking account had been closed by Chase without any apparent reason or warning. The inconvenience it brought to my life combined with the fact that I had done nothing wrong, has left me feeling utterly devastated, since it was the main resource of the daily consumption for a single student who travelled miles to study in a unfamiliar XXXX 
One of the most distressing aspects of this situation is the lack of communication and transparency from Chase. Despite my continuous efforts to reach out for clarification and resolution, all I received were automated responses with no progress being made. It is disheartening to feel neglected and helpless in a situation that directly impacts my well-being. 
What exacerbates my fragile emotional state is the failure to release the remaining balance of approximately {$4000.00} from my closed account. As a XXXX  student on the verge of graduation and preparing to leave the U.S. this summer, this unresolved matter has become an overwhelming burden, affecting not only my finances but also my mental health.I understand that in the grand scheme of things, {$3000.00} might seem inconsequential, but for me, it represents a crucial for me.The uncertainty surrounding my financial situation has taken a toll on my ability to focus on my studies and has plunged me into a state of heightened XXXX 

I am reaching out to you with a plea for understanding and compassion. I implore you to recognize the gravity of my situation and provide an expedited resolution, hoping that, in your capacity, you can bring some relief to this fragile situation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit