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

On XX/XX/2021 I wired transferred {$20000.00} to a Wells Fargo Account for XXXX XXXX with account # XXXX Direct deposit/Electronic payment # XXXX, this person XXXX XXXX was an associate of XXXX XXXX XXXX which I thought was helping me do my investments but it was all a scam. One thing is for sure this person XXXX XXXX in fact did receive the {$20000.00} I wired transferred from my bank XXXX XXXX XXXX  out of XXXX Texas with phone number XXXX XXXX XXXX. I tried contacting Wells Fargo to stop this transaction, I was on the phone for over 4 hours trying to speak to someone every time they answered they sent me to another person and so forth, they took over 2 weeks to respond to XXXX XXXX XXXX  over an email that they couldnt do anything about it because I was not on XXXX XXXX account.
Product: Mortgage

As required, three days prior to closing I received a closing disclosure from my lender that I believe was not made in good faith. This closing disclosure did not include the prorated amount XXXX XXXX & city/town property tax the seller had already paid and that I would reimburse, a prorated amount of XXXX fees that the previous sellers paid and that I would reimburse, and prepaid XXXX fees. At closing, I had to cover these additional costs to take possession of the property for a total additional amount of {$1100.00}. I believe the lender was in violation XXXX for not providing actual costs that should have been readily available to them.
Product: Debt collection

In the above box, I wish I could have checked off multiple issues, since that is my complaint. My sister, on XX/XX/2017 received a voicemail on her personal cell phone, from a man stating that there was a XXXX arrest XXXX out for me. He left a number and case id on her voicemail. The number is XXXX ; case id # XXXX. This same company called my brother in law on XX/XX/XXXX, and told him the same thing, but my brother in law stated he did not know me, as the person calling sounded like a scammer. So, now that my family is terrified, I call the number and get a XXXX XXXX, who asks for my case id # and states that yes, there is an " incident '' attached to my name and social. I ask what it is, and he proceeds to tell me that back in XXXX a loan was taken out at XXXX bank by me and that I am being charged with check fraud. This was an immediate red flag, as I never took out a loan. XXXX XXXX proceeded to tell me that I could resolve this before court by setting up a payment plan, which I refused and told him that I never took out a loan, so this must be a case of identity theft. XXXX XXXX assured me that was not the case, as they check for that, and again offered me the payment plan. This is when I started asking him more questions, because none of it made sense. I asked what company he was from and he told me " The Law offices of XXXX XXXX XXXX ''. I said " Law offices? Then why did n't I receive any court documents in the mail? '' He told me that the XXXX Attorney is ready to have the felony arrest warrant put into action, but I could prevent that by taking care of the money owed. This is when I demanded the truth and he admitted that he was calling from a debt collection agency. I asked him why he called my family members and scared the **** out of them by saying there was a felony arrest warrant out for me and that I was going to go to jail. He denied calling and denied that anyone from his company called them. Fortunately my sister saved the voicemail message she received, so I knew he was lying. At this point I told him that I was ending the conversation, as he had no right to lie to my sister and brother in law about this. So, after reading your website I realized that he violated many of the rules you have in place. He threatened me with jail, lied about who he was ( said he was from a XXXX XXXX ), lied about the reason for calling ( he told me it was for a felony fraud charge ), he never asked to verify my information ( except for my email address ) and he never offered to send me anything in writing about this debt. I did a search online and many others have gotten calls from this number, using the same threatening tactics. Also, the company name seems to be just XXXX XXXX XXXX - not a Law office, but a collection agency in XXXX XXXX, NY ( according to the Better Business Bureau ).
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I entered into a contract agreement for {$45000.00} to finance solar panels for my house. I agreed to have payments of {$180.00} withdrawn from my bank account on the XX/XX/XXXXof every month. I was told that I have the option to also apply the tax credit that I receive from the IRS to this balance and the loan will be reammortized. After my payment was automatically deducted from my bank account, I paid an additional {$200.00} in XX/XX/XXXX ( applied XX/XX/XXXX ) that I expected would be applied entirely to the principal balance. Instead, only {$150.00} was applied to principal and {$44.00} was applied to interest and the next due date was extended to XX/XX/XXXX. 

I called customer service and was informed that Mosaic always takes interest first. This seems highly suspect and illegal to me. I'm now worried that the tax credit that I plan to apply will also have interest deducted from it. Please look into this unethical practice.
Product: Bank account or service

bank canceled a credit card stating it did so because a banking affiliate terminated business with me. after checking my credit report and verifying that no business terminated anything, the bank then responded they were under no obligation to explain why they did anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a tradeline on my Experian credit report from XXXX. I informed Experian the account balance was incorrect and needs to be updated. Its been over 30 days since this account has been updated now. Experian completed my dispute with incorrect information. On XX/XX/2022 Experian stated XXXX informed them the balance is correct after I uploaded proof that balance was incorrect. Experian did not update my account at all. Now I want this tradeline deleted from my report based on Fdcpa guidelines of incorrect reporting
Product: Debt collection

According to my Discover Credit Card, it says that it had been charged off on XX/XX/year> for the amount of {$810.00} which led to me having an collection of {$810.00} needing to be paid. However, I have been paid that amount of {$810.00}.
Product: Credit reporting or other personal consumer reports

There are many inquires on my report that was not authorized by me. There is also accounts that werent open by me. There is also an account on there that has been paid for and is reporting negative. This situation has been prolonged for way to long and Im asking very nicely if my report can be cleaned and the fraudulent information be removed.
Product: Debt collection

I had a Victoria Secret credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with VS and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : SANTANDER CONSUMER USA Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from a creditor named kickoff being negatively reported, not only do I have no knowledge of this account but it's being reported twice as different accounts. 
This account seems to have never been used, the balance says {$24.00} I have tried to contact them via the phone # listed on my credit report but the phone # is disconnected and it says on the website they don't accept calls.The website says to fill out a ticket if there is a problem, however I would need an account # to which isn't available anyware. 
I looked into this creditor and it seems to be some kind of credit repair company where you pay a small amount of money for them to report positively on your credit report. 
So I never opened this account and there is no way to contact them and yet it is negatively being reported twice one as a closed account & one as a collection account and it says the balance owed is {$24.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and XXXX data breach and may have reached the hands of a fraudulent person
Product: Credit card or prepaid card

I paid the usual amount of {$35.00} from my only checking account at Chase Bank and the card associate says that I never made a payment. I paid the XX/XX/2020 bill on XX/XX/XXXX. They changed the billing cycle date from XX/XX/XXXX to the XXXX. I made a payment of {$35.00} on XX/XX/2020. They are lying stating that I never made a payment in XXXX and they are charging me {$85.00} in XXXX. I believe that he is XXXX. I only have {$35.00} to give Chase Bank this XXXX. I only have {$15.00} to spend every month on this card. Why would I owe so much? A XXXX female representative also called me a XXXX over the phone. They said they helped me however I am not certain. The minimum payment also increased to an amount {$50.00} for an unknown reason. I am XXXX. I dont like really talking or arguing at all.
Product: Credit reporting or other personal consumer reports

Im ask that these hard inquiries on my credit report are removed off me accounts because these are not mine, nor is there any signed forms from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation so many inaccurate information not mine id theft victim ...

ftc and id theft gov
Product: Vehicle loan or lease

On XXXX a payoff check was sent to XXXX/Bridgecrest in the amount of {$67000.00} matching the payoff quote given to me by XXXXBridgecrest on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by XXXXBridgecrest on XXXX as indicated by my online portal at Bridgecrest.com. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by XXXXBridgecrest after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Bridgecrest in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Bridgecrest after the payoff and that was cashed by Bridgecrest. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Bridgecrest. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling Bridgecrest at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.

15 U.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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/ XXXX XXXXXXXX
Product: Mortgage

I have a mortgage with Valon Mortgage. I have my home insurance and flood insurance impounded into an Escrow account. Valon is stating they require WIND insurance in my home policy. My insurance agent has sent them my entire home insurance policy which shows wind damage is included. They continue to require me to get wind coverage and are forcing me to pay for their policy, which is over {$2000.00} annual policy. On XX/XX/2022 my insurance agent sent the Valon Agent XXXX this response : XXXX : It was good speaking with you a few moments ago. As discussed heres a copy of XXXX XXXX full policy showing NO EXCLUSION for wind claims. Please have Valon mark this matter completed and cease and desist all force placed coverage actions. 
XXXX then closed the matter. On XX/XX/2022 I received a call from XXXX stating that Valon reviewed my homeowners policy and I do indeed have Wind coverage. On XXXX  XXXXXXXX XXXX I received another letter stating valon will be requiring that I have a seperate Wind Policy again. I want to make a complaint under the below " insurance not considered force-placed insurance '' https : //www.consumerfinance.gov/rules-policy/regulations/1024/37/ # a-1
Product: Mortgage

1. XX/XX/XXXX Hurricane XXXX hit the Florida XXXX. 

2. My home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX was damaged. 

3. XX/XX/XXXX I filed an insurance claim for flood damage. 

4. XX/XX/XXXX I met with the flood insurance adjuster on my property. 

5. XXXX XXXX, XXXX I received a check from XXXX XXXX XXXX XXXX -- a payment under building property coverage. 

6. In a meeting with Wells Fargo representative on XXXX XXXX, I was told that I must deal with XXXX XXXX XXXX XXXX Department. 

7. XXXX XXXX, XXXX I sent a letter to Wells Fargo Home Mortgage Property Loss Department, along with the endorsed insurance check in the amount of  {$39000.00} and a request that all communication be in writing and a request for {$5900.00} for my out of pocket expenses to that date for home repairs. 

8. XXXX XXXX, XXXX I received a call from Wells Fargo XXXX XXXX Department. I was told that I needed to set up a payment account or no insurance funds would be released. 

9. I asked for this in writing. The lady said she could not do that.
Facts : 1. Wells Fargo has filed three foreclosure suits against me.
2. The first suit was withdrawn.
3. The second suit was dismissed.
4. The third suit is an active litigation which does not mean they are right or will win.
5. This conflict has been on going for about ten years.
6. The insured property was damaged.
7. There are existing health and safety issues on the property that need to be addressed and repaired. 

8. Funds are available to repair the property, but they are being withheld by Wells Fargo.
9. Wells Fargo is not the note or mortgage holder. Well Fargo is the servicer.
10. Wells Fargo is withholding flood insurance funds underwritten by the Federal Government by way of FEMA that need to be applied to proterty damage.
Product: Debt collection

Subject : LVNV FUNDING LLC To Whom It May Concern, I am writing to dispute the account listed below, which appears on my credit report. I assert that this account is not mine and I am not responsible for the debt associated with it.

I have never opened an account with this creditor, nor have I authorized anyone to use my information to open an account. I believe this account may  be the result of identity theft or a clerical error. I do not owe LVNV FUNDING, LLC {$370.00}.
Product: Debt collection

XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, WAKEFIELD & ASSOCIATES XXXX XXXX : {$860.00}, WAKEFIELD & ASSOCIATES XXXX Date Opened XX/XX/2020 Balance : {$860.00},
Product: Debt collection

On or about XX/XX/XXXX, an agent from your firm contacted the consumer in the evening from a spoofed local area code. The spoofed number was ( XXXX ) XXXX and your firms principal location of business is in Massachusetts. The number should not have an Oregon area code ; it may be an 800/collect call area code. The FCC strictly prohibits spoofing the caller ID of any phone call regardless of business or personal use excluding certain state or other public sector entities. The number for your firm as posted on your website is ( XXXX ) XXXX. After a quick search, I am unable to find entity named XXXX registered with the secretary of state for the state of Oregon. Typical scam callers use a technique called neighborhood spoofing where they use a VoIP system that routes the call with a spoofed caller ID of the area where the receiving party resides to increase the chance of the recipient picking up the phone. This is a clear red flag. 
Second, on or about XX/XX/XXXX during the same call, the agent failed to disclose the standard disclaimer that this was collections call as required by the FDCPA. The agent did not give an acceptable response from I raised the point. My instinct kicked in regarding the fact that this may be a scam. I terminated the call and made a return call attempt approximately 1 hour later after calling XXXX. XXXX was able to verify that an account was made for the address but that it was canceled with no past due balance. When I called the spoofed caller ID number, I got an instant connection to an agent and therefore was not warned that the call may be recorded or to select a language and or be given a voice greeting indicating the name of the firm. Most scam call centers instantly connect the collar to an agent instead of going through an IVR or interactive voice response menu tree. So therefore, this raised another red flag. 
The alleged debt is regarding an account for DSL internet service between the consumer and XXXX. In or around 2017, a technician was scheduled to connect service to apartment XXXX in the XXXX XXXX apartment complex. I was at the time a XXXX for XXXX and understand that most ISPs charge a modem rental fee to lease the equipment that connects the customer premise to the network of the ISP. Prior to scheduling an installation for service, I purchased a suitable DSL gateway that was listed on the compatibility list for XXXX. The first service tech was unable to tone the line from the apartment to the telco demarc. I got permission from the property management to run a Cat5e gigabit cable to the telco demarc because the tech was not able to run a wire without permission. A second install tech was dispatched to the same address and was able to tone my line to apartment XXXX but was unable to tone the direct bury line to the street pedestal. As a result, I called to cancel services and called again after receiving a first bill. The XXXX agent said I did not need to worry about any unpaid balance because the service was never hooked up.