23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Im responding to your letter. This is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in my state, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.
Product: Checking or savings account

My checking account has been closed by Bank of America a month ago. I called them a lot of times to ask refund my funds. It happens on XX/XX/2020. The amount is {$180000.00}. But until now, no one know what happens and when I can have my funds back.
Product: Debt collection

My previous CFPB complaint was closed without any REAL investigation. I provided a FTC identity theft report as well as proof from of my credit reporting displaying inaccurate reporting from this collection company. If the debt is indeed valid, how is that my XXXX report is showing 100 % PAID... meaning NO PAYMENTS MISSED, while XXXX is missing completely, and XXXX has gaps in payment? This company did NOT do their due diligence into investigating my claim. Instead, I was sent a copy and paste letter with demanding sensitive documents such as a driver license ( which I will NOT provide to a company with such blatant disregard for the law. ) They sent me a contract that has a digital signature of my name ( simply written out as " XXXX XXXX '' ) and nothing else showing that this debt is in fact mine. 

I will be making a complaint to my state 's attorney general, XXXX XXXX XXXX as well as Mississippi 's attorney general XXXX XXXX XXXX to assist me with combatting the illegal practices of this collection agency. I will not provide you with my driver license. I have provided you with my FTC report and proof of your tacky and inaccurate reporting. This entire dialogue will be forwarded to any government official who can assist me with this.
Product: Credit card or prepaid card

I received correspondence from Bank of America ( Letter head ) with their website information www.bankofamerica.com dated XXXX Reference # : XXXX I received a letter that stated I need to call them - they are working on my application for the XXXX XXXX XXXX and they needed to verify the information on my application. I never applied for a credit card from them. Furthermore, the letter stated that it is important that they hear from me within the next 30 days or they would have to cancel my application. I disregarded the letter, thinking it was a scam or a mistake. 

Last week, I received a credit card in the mail from them. I cut up the card, since I never applied for this credit card, nor do I want one. Over the weekend, on XXXX, I received an invoice in the mail with a balance due of {$59.00} with a due date of XX/XX/2022. I contacted their customer service number and was able to contact a representative that day. I asked how they obtained my information for an application I never completed. The representative could not answer this question and could not cancel my card over the phone unless I provided her with my address, which I did not want to disclose, thinking this could be a scam. 

What is very concerning is that I never applied for this card. I dont know how Bank of America obtained my information to process this application. In their letter they stated the information was not complete. Nevertheless, I received a credit card anyway and got billed for it a week later. 

Today, XX/XX/XXXX, I called Bank of Americas fraud line and spoke with someone who said they would cancel my account and not bill me for anything. Hopefully, it will be taken care of. Im worried about their business practices, though, which seem deceptive. 

Please advise. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX e-mail : XXXX ( XXXX ) XXXX
Product: Checking or savings account

I did my taxes on XXXX XXXX as I have for the past five years. I received approval for my refund anticipation loan. Of course like every year its put on my credit karma card as that is the only way to get the loan. Nearly a week later after receiving the funds for my loan credit Karma closed my account. I called the service line and the customer service told me they can close my account for any reason. But I would receive a check for the remaining balance in my account from my loan. Well I was in shock because where is the remaining balance of my taxes going to go? My return did clear XXXX and the XXXX was paid but no one can tell me where and how I am going to receive my remaining balance. I am outraged and disappointed that there is no answers given and my money is just lingering in cyber space.
Product: Bank account or service

On my Citi Professional Cash card statement of XX/XX/XXXX, I am being charged a late fee of {$39.00} and interest charges for {$24.00} after I 've been clearly told on many previous phone calls with citcards ( most recent call was on XXXX XXXX ) that payment was due on or before the XXXX of each Month to avoid late payment and interests. I had consistently made full statement balance payments since XX/XX/XXXX to avoid late fee and interests. Because I was mislead by citicards I 've asked for reversal of these fees which one their Citi supervisors said that he 's unable to reverse. I 've been with citicards over XXXX years and never had issues of late payment on my account. The only reason there is a late payment this past month is because of the misleading information i was given.I 've asked citicards to provide me with full disclosure of how billing cycle days are calculated so i can get a good understanding of how due date are changing on my account. Citicards is saying that they can not provide such document. I would like the Consumer financial protection bureau to help resolve this issue with Citicards and get me the reversal charges of {$39.00} and {$24.00}. I think Citicards used misleading tactics to gauge me for additional charges. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/2018 an account was created with a clothing company, XXXX. This was a charge account through XXXX XXXX. A balance of over {$300.00} was incurred. We have been called at home 3-4 times a day for about a month from XXXX. They appear to be trying to collect the alleged debt. The account was not opened by me or anyone in the household. The account listed an address in a city we have not lived in for over 6 years. XXXX refuses to supply information that would assist us in determining who opened this account, including account number and copies of the application for the account. 

We have never received any bills or written communication from XXXX that would have alerted us to this account. They refuse to discuss this situation, claiming privacy issues. They won't tell us if this was an internet purchase or from a brick and mortar store. 

XXXX refuses to assist in resolving this fraudulant activity.
Product: Credit reporting

I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian
Product: Credit card

I did not receive my credit card statement in the mail from Target for the time period of XX/XX/XXXX2013. I noticed this when I just happened ( luckily ) to check my account online. I spoke with a representative and all late charges were removed ; I paid my bill in full online the day I noticed - as well. 
This - however - is reporting to all of my CRA 's as 30 day delinquency for XX/XX/XXXX2013 with Target. I would like this removed.
Product: Vehicle loan or lease

I am being charged insurance on my vehicle outside of the finance charge, my interest rate is 3 % higher than the average on my loan. I am currently paying for insurance on a financed vehicle out of pocket. 
USC 15 section 1605 ( c ) states ; charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership and use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase for the last 3 years. Recently, I am unable to open the account and transfer funds. I reached out to the company via the contact us option and each time they get back saying things are fixed but not really. 

While logging in to the account it asks for 2 step authentication SMS and I am not receiving any text. I verified the account with Coinbase by state ID but not a good response. 

At this point, I am not sure what is happening and want to access or close the account ( transfer the fund to my personal bank account ) Steps taken Issue reported on XX/XX/2021 : Issue reported again XX/XX/2021 : Issue reported again today XXXX XXXX XXXX They do not have a customer support for Account issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got the car In XXXX got repossessed in XXXX XXXXf XXXX I got sick with XXXX couldnt go back to work. I had XXXX to pay off now its XXXX XXXX XXXX XXXX is the company
Product: Mortgage

Nationstar took over my mortgage from  XXXX   XXXX   XXXX   XXXX    . I have copies of every check made out to Nationstar and cashed by  Nationstar  showing paid on time, but they are reporting m e 30,  sometimes 60 days past due. I get harassing calls  3-5  times a week. I have repeatably spoken with supervisors ( all documented ) and they have not fixed the problem. They have caused me to pay higher interest rates and I can not qualify for a new home loan because of their fraudulent reporting to the credit bureaus.
Product: Student loan

I took out private student Sallie Mae loans to cover living expenses while I went to XXXX school for two years. My tuition was covered by federal loans. 
From the very first day of repayment, six months after graduating, I was not offered a payment that I could financially manage. I was only offered deferments and forbearances over and over and over. My loan started at {$60000.00} and has now reached nearly {$200000.00}. I have paid XXXX XXXX on the loans. Navient now holds my loans. In the early early years of dealing with representatives they were very cruel and only suggested to me that I ask a rich uncle to give me money or another option would be death or a terminal illness. The mental health burden of Sallie Mae is soul crushing.

I have been in repayment, deferments and forbearance periods on an off for the last 15 years. During this time, my husband and I had had to file for a XXXX  XXXX bankruptcy due to him losing his job for the local coal company. We had to do that in order for us to keep our home. I was told at that time that no student loans were not dischargeable in bankruptcy. We successfully finished out bankruptcy after 5 years. 
All of these years later, I am finding out they are dischargeable and I need help. I have XXXX  kids that will be graduating from high school and I don't want them to have to go through what I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, FIDELITY CREDITORS SVC add a collection on my credit report per XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature
Product: Debt collection

reference : XXXX The company AMI ( Account Management Inc ) did send me the validation of debt as I requested back in 2016. I went online at the hospitals website ( XXXX ) and paid off all the bills and amounts that they listed. This was a judgment, and since paying it on XX/XX/2016, the judgment remains as active with the clerk of courts even though the amount they sent was paid in full. I am closing on a house in 14 days, and this needs to be showing as satisfied asap. It was removed from my credit reports years ago, so I thought it was gone and had no idea until now that the title was ordered, that it was still showing active.
Product: Vehicle loan or lease

This Account Below should be closed but is reporting open on my XXXX XXXX and XXXX credit reports. The XXXX was bought back from actual dealer ship and sold. This loan is reporting open when it should be closed. 

Account STRATEGIC AUTOMOTIVE SER XXXX {$8400.00} {$400.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/2021 Payment Received {$400.00} Last Payment Made XX/XX/2021 High Balance {$9600.00} Pay Status Current ; Paid or Paying as Agreed Terms {$400.00} per month, paid Monthly for 24 months
Product: Money transfer, virtual currency, or money service

My cashapp  account name is ( $ XXXX ) My name is XXXX XXXX. 
My husband name is XXXX XXXX. 

On XX/XX/2023, My husband cashapped me {$5000.00} at XXXXXXXX XXXX I then went to cash the money from cashapp  to my husband 's debit card which I had linked to my account. I cashed out {$5000.00} with a {$75.00} fee to use cashapp  services. So a total of {$4900.00} was to be on my card at XXXX XXXX 

Cashapp  says that the transaction was successful. 

My husband 's bank states that the transaction was declined, because they don't accept anything over {$3500.00} through cashapp.

I have an email from my husband 's bank declining the payment. And a statement from cashapp stating that it did go to my bank.

As of right now, My money is neither in my husband 's account, or on my cashapp. So i don't know where my money is but both parties say that they do not have any holds on my funds. I need help to obtain my money.
Product: Credit card

The same as the last XXXX submitted I was the victim of credit card freud and need to have these accounts resolved.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request a reinvestigation regarding a late payment that has been reported on my credit reports from XXXX and Experian, but does not appear on my XXXX report. This discrepancy raises concerns about the accuracy of the information reported. 

The details of the account are as follows : Account Name : XXXXXXXX XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i, 15 U.S. Code 1637 ( b ), and 15 U.S. Code 1681s-2, I have the right to request the removal of inaccurate or unverifiable information from my credit reports. Given that this account is reported as a late payment by two agencies but not by the third, I believe this information may not be accurate and should therefore be removed.

I kindly request that a thorough investigation be conducted, and if it is determined that the information is erroneous, that it be immediately removed from my credit reports. This removal is crucial to ensuring that my credit history reflects accurate and up-to-date information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

As a result of damage incurred during Hurricane Harvey, Dovenmuehle Mortgage extended me 90-day Forbearance Assistance for the months of XXXX, XXXX, and XX/XX/XXXX. I accepted Forbearance Assistance applicable to loan # XXXX ( acknowledgement from XX/XX/XXXX attached ). 

I resumed my normal payments as instructed after the forbearance period in XX/XX/XXXX per the attached mortgage statement. My payments dated XXXX, and XX/XX/XXXX intended for XXXX, XXXX, and XX/XX/XXXX were incorrectly applied to my account for the forbearance period ( XXXX, XXXX, and XX/XX/XXXX ). This error by Dovenmuehle resulted in false 30 day and 60 day late payments that were reported to XXXX, XXXX, and XXXX for XXXX and XX/XX/XXXX, and XX/XX/XXXX ( attached credit report ).

I have contacted Dovenmuehle numerous times by phone to no avail, and have submitted request to fix the error in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This error has yet to be resolved and effecting my ability to obtain a new home loan. There are a staggering number of similar complaints against Dovenmuehle Mortagage , Inc, and I am in need of assistance from The CFPB to resolve. Thank you.
Product: Vehicle loan or lease

I previously asked for documents regarding a repossession. Documents requested was an intent to sell, deficiency notice, as well as the receipts from the postal office proving they sent such documents. Flordia law require you to send certified, to be sure that you sent it. I received an intent to sell in the mail along with a transaction run down or payment history of the monthly payments made, and the addition of the sell of the vehicle with charges. The balance shown is not the balance reflected on my credit report. This company have violated my rights in several ways. First you neglected to provide proof that you sent such required documents. Second the deficiency notice is a printed out payment history of the account. It does not show me where you sold the vehicle and the true amount you sold it for. Third I requested that all response be made via this website only. Specifically stating do not call, email, or mail me anything, all responses through this website only. I received in the mail after your response the documents you provided online. Fourth you are inaccurately reporting an unvalidated debt, and balance on my credit reports. ONCE AGAIN DO NOT CONTACT ME VIA MAIL, EMAIL, PHONE OR ANY OTHER SOURCE OUTSIDE OF THIS WEBSITE. ALL RESPONSES IS TO BE THROUGH THIS SITE ONLY.
Product: Credit card or prepaid card

XXXX XXXX XXXX billed factitious and erroneous charges to my Barclays credit card I have been trying to straighten it out with them since XX/XX/2019. 
XXXX never returned any calls or emails or written correspondence that I will have documented. 
And Barclays have to ignore me and have been very difficult to fix this terrible problem. I had to hire an attorney for {$3000.00} to fix it. Can never gets back to help me even prior to the pandemic problems. 
I am very upset as I have perfect credit and do not want it to be tarnished because of Barclays ignoring this horrible situation
Product: Money transfer, virtual currency, or money service

First National Bank of Pennsylvania refuses to communicate details regarding a returned international wire transfer. The transfer, in the amount of XXXX USD, was sent to XXXX XXXX XXXX XXXX in XXXX and XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX returned the funds, due to First National Bank NOT sending the wire transfer in USD, on XX/XX/XXXX. 

Today is XX/XX/XXXX. It's been over a month. I asked for a wire trace 2 weeks ago, at the First National Bank branch location where I made the transfer, in XXXX XXXX PA. I've gotten no response. 

XXXX XXXX, PA branch manager XXXX XXXX claims they will return my funds this week. In the same call, she also mentioned the funds will be returned when First National Bank decides. No one has called me or even sent a single email regarding the issue. This isn't acceptable. I believe First National Bank lost my funds and is attempting to dodge responsibility. 

Sincerely XXXX XXXX
Product: Debt collection

Consumer victim of XXXX data breach and cyber security attack ; that cause him to suffer from or experiencing now ( Identity theft/fraud ). The identity theft/fraud occurred between XX/XX/XXXX and XX/XX/XXXX. AMEX admits to data breach from employee having committed fraud in XXXX. 
On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX  Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by AMEX employee having committed fraud. As direct result of XXXX   XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX , XXXX ( XXXX ) and dba XXXX  XXXX XXXX ( XXXX  ) and AMEX arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores and false reporting of AMEX accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent  activities ) to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Product: Credit reporting or other personal consumer reports

This is my third attempt regarding the same account ( XXXX ). Once again, Experian has failed to properly investigate my dispute about an inaccuracy on my credit report. Despite evidence provided to Experian that XX/XX/2023 and XX/XX/2023 were paid on time, Experian continues to report those months 30 and 60 days late. I was never late on this account or any of the accounts listed on my credit reports. 

I have now made multiple attempts to have these errors corrected with Experian ; which have resulted in no solutions. I am currently in the market for serval things that require financing which is determined by my credit score and data from my credit report. I would want to apply in confidence knowing that my credit report is accurate. This is NOT the case with my Experian credit report. Experian is NOT launching a genuine investigation into this matter and is only relying on the Data Furnisher ( XXXX XXXX ) to fix the errors. This issue is turning into a burden. I thought Experian would have rectified these errors by now, this has been an ongoing issue for serval months. Experian responds to all disputes on this matter that the Information on my report has been " UPDATED '' When the only information that is updated is the Account Balance. I doubt Experian is actually looking into this matter. I have never been late on this account and my Experian Credit report should reflect as such. Or, I will have no other choice but to seek legal counsel on this matter. I'm asking the CFPB to please assist me in getting Experian to fix these errors on my credit report. Thank You