23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our property taxes are escrowed with our mortgage company : Dovenmuehle. Our XXXX property taxes were due XX/XX/XXXX but Dovenmuehle failed to pay these taxes. I received a letter from XXXX XXXX XXXX XXXX XXXX informing us that our property taxes were delinquent on XX/XX/XXXX. I immediately contacted Dovenmuehle and was finally able to find out that they had sent the tax payment and a portion of the late fees via regular mail. I received a 2nd letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that there was still {$50.00} due in late fees and that they have placed a lien on our property! I immediately went to and paid the remaining {$50.00} out of our own pocket to ensure that our house was not foreclosed due to Dovenmuehle 's lack of action. 

I have spoken on the phone to Dovenmuehle at least 3 times : XXXX and supervisor Candle on XX/XX/XXXX, supervisor XXXX on XX/XX/XXXX ( who was supposed to follow-up with me but never did ), and supervisor XXXX on XX/XX/XXXX. Each time I was advised to email XXXX. I emailed this email address on XX/XX/XXXX and XX/XX/XXXX. I received a response on XX/XX/XXXX that " Our records indicate that we disbursed to the XXXX County on XX/XX/XXXX in the amount of {$3600.00} from your escrow account. We are next scheduled to disburse the anticipated amount of {$3100.00} in XX/XX/XXXX. '' This amount does not include the {$50.00} that was still outstanding so I contacted Dovenmuehle via phone and spoke to supervisor XXXX on XX/XX/XXXX. He again advised that I send proof of payment to XXXX. 
He confirmed receipt of the documentation on XX/XX/XXXX and assured me that it would be addressed and he would confirm with me XX/XX/XXXX. I never heard from him again. After resending the information on XX/XX/XXXX, I finally received an email response on XX/XX/XXXX that " Our records indicate that this matter was researched thoroughly, and it was determined that your taxes are paid current. We are next due to disburse a {$3600.00} tax payment on your behalf to the XXXX County Tax Commissioner in XX/XX/XXXX. '' I responded again on XX/XX/XXXX with documentation stating that they still owed us {$50.00} but don't expect a response. Hours on the phone over at least 3 calls and 5 emails later, we are still out {$50.00} with a lien on our record for 7 years. The customer service at Dovenmuehle is atrocious!
Product: Credit card

My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account.
Product: Vehicle loan or lease

I am writing to formally submit a complaint regarding securities fraud involving [ EXETER FINANCE LLC ], in which I, as an investor, suffered financial losses due to deceptive and unlawful practices. AND MY CAR JUST GOT REPOSSESSED AFTER I WAS TOLD IT WOULD NOT BE DUE TO IT GETTING FIXED AND THE PRINCIPLE NOT BENEFITING BY NOT HAVING A WORKING CONDITION CAR! They knew i was sold a bad car! ( transmission is out ) XXXX. Background Information Investor Name : [ XXXX XXXX ] Company/Fund Involved : [ EXETER FINANCE LLC XXXX XXXX of Investment : [ Stocks, Bonds, Mutual Fund, Crypto, etc. ] Date ( s ) of Investment : [ XX/XX/year> CURRENT Total Amount Invested : [ {$48000.00} ] total price + down payment XXXX Current Financial Loss : [ XXXX ] XXXX. Description of Fraudulent Activities I believe I was misled by [ Exeter finance llc ] and/or its representatives through the following : False or misleading statements about the companys financial condition, investment risks, or projected returns. 
Omission of material facts that were critical to making an informed investment decision. 
Stock price manipulation or insider trading that artificially inflated or deflated the value of my investment. 
Unauthorized transactions or mishandling of funds. 
Breach of fiduciary duty by financial advisors, brokers, or executives. 
Other ( please specify ) : [ Selling Signatures ] [ XXXX NOTES ] XXXX. Supporting Evidence I have attached relevant documentation to support my claim, including : Investment agreements, prospectuses, or marketing materials received. 
Emails, messages, or communications from the company or its representatives. 
Bank statements or trade confirmations showing investment transactions. 
Regulatory filings or news reports indicating fraudulent activities.

4. Requested Action I respectfully request that the XXXX take the following actions : 1. Investigate the fraudulent activities and determine regulatory or legal violations.

2. Assist in legal or enforcement action to hold responsible parties accountable.

3. Facilitate potential recovery of lost funds through restitution or settlements.

4. Advise on further steps I can take to protect my rights as an investor 5. I WANT THEM TO PAY 5,000 for each day my car is Repossessed! I Sent letters to redress the contract they have been ignoring me i have proof from usps Receipts they are ignoring the Agent on behalf of the principle Which is an automatic discharge! 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX securities intermediary and others not liable to adverse claimant XXXX securities intermediary as purchaser for value XXXX assertion of adverse claim against entitlement holder XXXX property interest of entitlement holder in financial asset held by securities Intermediary XXXX duty of securities intermediary to maintain financial asset XXXX UCC XXXX/604 DISCHARGE! This is my XXXX XXXX and LAST TIME TRYING TO GET MY REMEDY THE NEXT STEP IS SUPREME COURT!
Product: Debt collection

continental fin co did not send me anything. I do not owe this charge.
Product: Checking or savings account

We initiated a claim through Bank of America explaining that there had been an unauthorized charge for {$17000.00} by a merchant familiar to us but, in this case, that the transaction may not have been authorized by myself. They initiated a claim infestation saying that I could send in my documentation but provided no additional information on how to do this. I have been trying to settle this charge for a long time and have been without the funds which are considerable to me. The Bank answered 11 days later ( with no provisional credit provided ) that they wouldn't pay the claim because they thought the merchant was familiar to me. I had already told them on the outset that the merchant was familiar but that this wasn't the issue. I complained and they " reopened '' the case. I sent in my documents but they then said that they would take XXXX more days to investigate this and since the case was closed and then reopened they were under no obligation to provide me with expedition or with a temporary credit or any such relief while they proceeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Checking or savings account

My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXX Routing No XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I'M A VICTIM OF DATA BREACH HIT WITH HARD INQUIRIES REQUEST TOO HAVE ALL HARD INQUIRIES REMOVED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report on my credit that I don't know anything about. It shows an account from rent recovery solutions opened on XX/XX/XXXX for {$330.00}. I did not open this account and this account have never showed on my credit report until now. I purchase a home on XX/XX/XXXX and have not rent from anybody since. I filed a dispute on XXXX to remove it from my credit and also called the agency to dispute it and remove it from my credit several times. They advice me they cant do anything unless i file this report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of XXXX admitted that I was in fact a victim of this Data Breach and XXXX has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : XXXX. [ XXXX XXXXXXXX XXXX XXXXXXXX ] - [ XXXX ] XXXX. [ XXXX XXXXXXXX ] - [ XXXX ] XXXX. [ XXXX ] - [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  multiple times in regards to identity theft and nothing has been done Im including the identity theft report along with a utility bill for proof of address and my passport card
Product: Money transfer, virtual currency, or money service

I purchased Lite Coins for XXXX $ from Coinbase on XX/XX/2018, and since I maintain a XXXX credit card balance, I immediately paid off my credit card balance. The company appeared to have some glitch due to which they reversed or attempted to reverse recent transactions. But since my credit card was at XXXX balace their XXXX $ reversal did not go through. They did not realize this and in trying to rectify their error, they charged my card XXXX . I tried to work with their customer service for several months with no result. Eventually, in the month of XX/XX/XXXX, I disputed the amount with my CC company and they validated my disputed and cleared it for me. What Coinbase did now was they cancelled the purchase of my Lite Coins on XX/XX/2018 and took them away which is so wrong. I have been trying to reach their customer service, facebook, twitter but no luck anywhere. They just do not respond. I am so tired of their extremely poor customer service and just want my coins back and I hope to get help from here. Thank you very much!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 

( XXXX ) Account - XXXX Currently, my reports shows a 60 day late payment on an account that was in fact paid on time.

The consumer reporting agencies need to report all information with complete accuracy. 

This account hasn't been late on payments. I've attached a copy of my statement showing payments make during the month that the reporting agency states that were 60 days late. 

My question is how can I be 60 days late without being 30 days late first? 

PLEASE EXPLAIN? The math is not adding up. 

I'm now requesting you Reinvestigate and provide verifiable proof with records showing that I had late payments. 

What's steps did you take to verify? 
Who did you talk to? " Please provided names, positions, contact information etc. 

If this information can't be verified I demand these payments to be updated to paid on time immediately. 

If matter is not resolved in 15 Business Days. 

I will pursue legal action. 

Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

IQ Data International In. Has called not only me but my husband as well. When we are at work, at night, or even when we are driving. We explain that we can not talk at the moment and that they can call us at a later time and we usually give them a time to call. They complaint and say comments like if you cant talk right now then why did you answer we respond saying that were at work at the moment and cant talk nor make any payments due to us not having our card on us. They respond saying so you go to work without your debt card? Does that mean you dont have your wallet? So youre driving without a license. That doesnt make any sense we respond saying we cant pay anything that day and to call us on Friday to see if we can negotiate anything they respond saying this is a one day offer. Youve had this since XX/XX/2017. If you dont pay this then its going to stay as delinquent on your credit and it wont come off. Unless you pay it now. And we continue saying how we can not pay it at the time and they can stop calling us and pushing us or they can call back when we can talk and pay. And theyll sigh and say whatever its just going to stay on your credit once they pushed me to call a family member and borrow the money from them or to get their credit cards. Once I reply that no one in my family has the money or credit cards they start to ask how we pay for stuff, or afford anything. When thats none of their business. They have called and harassed us for months and continue and wont leave us alone until we can call and pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX submitted a collection account to XXXX, Equifax, and XXXX in the amount of {$780.00}. On XX/XX/XXXX, I agreed to settle this balance with XXXX XXXX for an amount less than owed, and submitted payment. As such, on XX/XX/XXXX, I received a " Release of Debt '' notice from XXXX 's collection agency, and each of the credit repositories began reporting the account as " legally paid for less than the amount owed '' and/or " paid after collection. '' Sometime in XX/XX/XXXX, XXXX updated this reporting to " paid after charge off, '' which is incorrect. In an effort to resolve the matter, I contacted XXXX XXXX, paid the remaining balance, and obtained a letter from the creditor confirming that the account was paid after collection. In addition, I submitted three dispute claims with XXXX, along with supporting documentation from XXXX confirming the account 's status. However, the trade line has not yet been corrected. Although my credit scores for each of the repositories are XXXX, XXXX, and XXXX, respectively, I have been denied credit since XX/XX/XXXX, from creditors that have previously granted me credit. Upon receipt of each of the Adverse Action Notices, the sole reason for denial has been the " paid after charge off '' reported account.
Product: Debt collection

After sending certified letters on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX they both were signed for by XXXX XXXX. Asking them for Validation not verification of the collection account they had on all three credit reports they have ignored my request for validation and provide any viable evidence or any biding contract with them or signature show as proof to validate this negative account after 31 day i check my credit report and they are reporting false and inaccurate information violating Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection not show dispute Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and sending letter after letter threatening to take legal action and calling and calling many times a day now they are suing me. 


XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIED THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FFROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and my divorce started in XXXX of 2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX  XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been arrested for harassment, tried having me XXXX XXXX/and or XXXX by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.