23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had posted a XXXX XXXX and equipment for sale on XXXX XXXX on XX/XX/2022 for a total of {$3500.00}. I had a person by the name of XXXX XXXX message me on XXXX messenger stating he was interested. He stated that he would like to buy the camera and would send me money thru XXXX ( which I have never used before and I saw it on my Wells Fargo App so I thought it was a trusted site ). I received a fake email ( at the time did not know how XXXX worked and the email I had received looked very professional ), stating that I had a pending amount and would just have to ship out my camera and verify tracking number then the amount would deposit into my account, the money never came. I then received another email from XXXX stating that because of the amount of money, the buyer of my camera would have to send me an extra {$800.00} to open up a business account, so the buyer and I agreed that he would send {$800.00} extra ( which I received another email stating that the money was pending, I would just have to then send the {$800.00} back to a XXXX XXXX, and the money would be deposited into my account ). So I initiated the transfer of {$800.00} to the buyer on XX/XX/2022. And the money never came into my account. I received another email stating that I would have to send another {$500.00}. At this point, I now realized that I was being scammed. I called XXXX, explained my situation. They stated that it was a fake email, this was a scam, but there was nothing they could do but report the account I had sent money to. I called my Wells Fargo Security and explained what was going on and I filed a dispute right away. The Wells Fargo rep stated that I should have no problem getting my {$800.00} back. I waited 10 days for the claim to be processed, and I got a letter stating that there was nothing they could do about the {$800.00} I had sent. I called back again to Wells Fargo and reopened my dispute and told them I had filed a police report and everything. I told them that XXXX had reported the account that I had sent money to and that account is now unregistered with XXXX. I just received another letter from Wells Fargo stating that because I authorized the transaction, there is nothing they can do. For a company that I have been with for 10+ years, I feel as if they should help me out. I would have never authorized the transaction, had I known I was getting scammed. So now not only am I out {$800.00}. I also shipped my XXXX  and equipment that I was selling for {$3500.00} with no possible way of getting that back. Please help me out.
Product: Mortgage

My spouse filed Ch. XXXX the first of XX/XX/2019, she is not on the mortgage and I did not include this loan in the settlement. Immediately after Lakeview Loan Servicing LLC received a courtesy notice of the spouses ChXXXX. They promptly pull account in into their bankruptcy section, tried to overcharge me for property taxes, which wife attorney called them on. Now they are charging me approximately {$1100.00} for their attorney fees for an account that was never officially include in the actual bankruptcy. 
I tried to call them a few week after the filing when I could no longer access my account online. The representative treated me like I filed for bankruptcy ( very poorly ) and said they are entitled to take such actions solely because Texas is a common law state. I asked if I could speak to a supervisor and they said one was not available and he would re state the same policy. 
I am a XXXX  XXXX veteran and the purchase on my home has been the first benefit I have used after 20 years of service, this company has ruined this thus far. I feel this company is trying to seek fees and extort this situation just for profit, which is very concerning that is a common business practice for the 4th largest  mortgage company in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. XXXXsXXXX which mandates the accurate and verifiable reporting of consumer information. 
The accounts in question : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Listed : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Date Listed : XXXX XXXX, XXXX These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( XXXX XXXX. XXXX ), a creditor that cancels a debt exceeding {$600.00} is required to issue a XXXX form to the borrower and report the cancellation to the IRS. I have not received a XXXX form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a XXXX form may constitute non-compliance, which I have the right to report to the IRS. 

I formally demand the following actions : Provision of the XXXX Form If these debts were charged off or written off, provide copies of the XXXX forms for my records. 

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. XXXXi ( a ) ( 5 ) of the FCRA. 

Failure to comply within XXXX days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. XXXX ), the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ), and IRS tax reporting requirements. 

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was told by 2 separate sales people I could get {$1700.00} Cash Bonus on a new leased vehicle that could be used to take care of any negative equity. That was the only reason I went in. Because I knew I was upside down. I like the vehicle, but the salesman said if I wanted to save even more money I should look at the Hybrid Model. I was all for saving money. But he never told me that vehicle didn't qualify for the Cash Bonus, or that XXXX XXXX rolled in {$2100.00} of negative equity. I never would of bought the vehicle. 

Federal Law https : //www.consumer.ftc.govXXXX Requires that before you sign to finance the purchase of a car, the dealer must give you certain disclosures about the cost of the credit. That was never done. I feel they did the bate and switch. I have been working with the Attorney Generals Office, and they suggested I also file a complaint.
Product: Debt collection

Since I lost my job because of Covid months ago, Southeast Toyota had deliberately ignored my plea for help for keeping a XXXX XXXX XXXX and put me in further debt. There were no options for help and they would not take smaller payments which I did put towards the car. I am on XXXX XXXX XXXX and it is against the law to collect debt otherwise from individuals incapable of working and to try to collect debt from this income. I have repeatedly told them that and they have harassed and numerously called me as if I could use that little amount to pay the debt. They already repossessed the car, sold it in auction, and are now saying I owe the difference and am fighting against this. 

I ask this debt and collection to be cleared from my debt and credit immediately as I have not found gainful employment. It is against the law to collect otherwise and the debt should be removed because I was making some sort of payments before they repossessed my car and put me in such a bad situation employment wise as well as have harassment called me numerous times about this collection which I will not be able to pay.
Product: Debt collection

The 2 accounts with XXXX with account numbers XXXX XXXX*were legally paid in full and are no longer in use. I am not sure of how XXXX process of investigation but they continue to report erroneous status and information about these accounts. Also. they are not showing me the complete payment history of these accounts. Moreover, the accounts was illegally re-aged. A lot of errors.
Product: Mortgage

Our mortgage servicer, Dovenmuehle Mortgage, has been escrowing our flood insurance, which is in the range of {$1000.00} per year. But the payment of the flood policy is included in our HOA monthly payment and our HOA pays the flood insurance annually. 

We had the same issue last year and I spent countless hours trying to resolve it with them. I was only successful after I filed a complaint with the CFPB. This year, I have to do the same thing. I can't believe that I have to spend hours each year to resolve such a simple issue. We are not even behind on our mortgage. Every payment is made on time. In fact, we are paid ahead. It's illogical that I have to keep having this fight every single year. I don't have time time to do this every year. I have a special needs child and a demanding career. It's simply unacceptable. 

At this point, the only acceptable resolution to this issue is to de-escrow the loan entirely. I can't have this battle with the servicer for the next 28 years. It's simply unacceptable. The HOA pays for the flood insurance. I am sick and tired of having to pay twice for this. I will simply not do it.
Product: Money transfer, virtual currency, or money service

When I send money abroad, a XXXX XXXX exchange rate mark-up against the mid-market rate isnt communicated as a cost. 
{$5.00} handling fee creates the impression it is the only charge for the transaction. 
Chase discloses they make money from currency exchange, but doesnt specify how much they mark-up their exchange rate.
Product: Mortgage

My husband and I purchased a home on XXXX XXXX with a conventional mortgage. Property taxes were estimated at appx {$4300.00} for XXXX. We applied for a XXXX XXXX homestead exemption in our county for XXXX and this was granted. As such, our XXXX property tax bill was only {$2100.00}. Once taxes were paid the first of XXXX, XXXX, I requested a new escrow analysis to have my required escrow payment adjusted. Given the difference in the original estimated taxes and the actual taxes paid, the difference is appx. $ 200 monthly that is being over-collected. I have been back and forth with Amerihome Mortgage. The first request was never submitted. A second request was made, and nothing was adjusted. A third request was made, and they finally adjusted the estimated taxes for XXXX but did not adjust the required payment. I called and was told the tax department would not re-visit the analysis until XXXX of XXXX. Every time I talk to a person at the company, I get a different answer and they are short with me and not helpful. I have asked to speak to someone in the tax department and they will not allow it. I am told to just wait. I have also asked to be contacted as decisions are made, and this never happens. This is ridiculous and I should not be required to pay over $ XXXX in escrow when my total required annual escrow disbursements are estimated at appx {$4500.00} annually ( property tax, property ins, and mortgage ins ) AND my current escrow balance is {$2300.00}. I have a balance of {$2300.00} right after paying my annual property taxes and insurance and it is already more than enough to pay my estimated taxes for XXXX. Property taxes and property insurance will not be paid again until XXXX  of XXXX. I had this exact situation happen at my previous mortgage company and when my adjusted taxes bill was received, my mortgage company adjusted my payment immediately. Amerihome should not be permitted to escrow so much more than the estimated outlays required.
Product: Debt collection

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax, Experian, and Transunion received a dispute to remove a collections account With XXXX XXXX XXXX. 

A formal letter was sent to inform the company that the referenced accounts were being reported in error because the creditor of the collection agency associated with the account is not licensed to collect debts in Florida, as required by Florida Law. 

Under Florida Statute XXXX, any entity engaged in debt collection activities within the state of Florida must register and maintain a valid license with the Florida Office of Financial Regulation. If a collection agency lacks this required license, it is not authorized to engage in debt collection or reporting activities against Florida residents.

I kindly requested Experian, Transunion, and Equifax to investigate this matter by verifying the collection agency 's compliance with Florida 's licensing requirements. If the creditor or collection agency is indeed unlicensed in the state of Florida, I respectfully ask that these collection accounts be removed from my credit report immediately. However, upon review from each company, they only verified that the account was accurate, at which this was not what I was requesting.
Product: Credit reporting or other personal consumer reports

I filed a dispute with a credit company - I sent a letter to the nearest bank of that credit card company and did not hear back. I called their customer service number and I was told I could not get any statements or information - as they are sent to a different address than mine. I then tried to go on line and get information and was not successful - it would not generate what I needed. 
I feel this is fraud using my credit- as this card is NOT in my possession- I had no knowledge this card was still open- I do not have a credit card number to provide - it was to be closed with XXXX I filed for XXXX in XXXX of XXXX and was finalized in XXXX of XXXX and is legally filed with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have also contacted my lawyer. My XXXX XXXX states neither party can use others credit or cause harm. 
I did not receive any statements regarding this credit card - only noticed a rapid & sudden decline in my credit rating and investigated. All charges made were without my knowledge as I was sure this card was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. XXXX XXXXXXXX XXXX XXXX XXXX does not belong to me.
Product: Mortgage

I am having the same problems with XXXX as I experienced with XXXX XXXX XXXX and Embrace Home Loans trying to get paperwork for my loan that was lost in the flood. Just got off the phone with XXXX XXXX with XXXX who has stated that if I give them access to my home they will bring a contractor in and repair my home with the money they are holing I asked to have that in writing and was told no
Product: Credit card

Midland credit management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is not my debt asking it to be remove from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Checking or savings account

When I open the basic account, on XX/XX/XXXX, I had used the promotion code saying that if I have XXXX direct deposits in to this account with total amount of {$1000.00} within 90 days of opening the account, I will receive {$200.00} as a intro bonus. 
However, after the XXXX direct deposits went in and no bonus coming in, I called the customer service around mid XXXX. They replied that they put a claim for me to receive that {$200.00} and told me that I should be expecting it within XXXX week. After XXXX weeks, I still haven't got the bonus. I called again for that, they said exactly same thing. Another XXXX weeks passed, I still haven't received the bonus. Then, on around mid XXXX, I called again, they told me the reason I haven't received it is because I will need to wait for 90 days in order to receive that. She gave me a certain day on XX/XX/XXXX. She said, on XX/XX/XXXX I should have received the amount. Today is XX/XX/XXXX, the amount is not in my bank account. 
I called again, and they told me I am not qualified for that bonus. They have been changing their words for avoiding delivering what they advertised. {$200.00} is nothing but it is a fraud if a company do not deliver what they promised!
Product: Debt collection

My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( Citi bank ) concerning XXXX XXXX Visa Card by Citi with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called Citi Bank, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from citi bank two years ago. 
When I checked online at ( www.citicaards.com ), I found that somebody at citi bank opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize citi bank to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted Citi bank, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
Citi bank openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : Citi Bank XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX