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

I was searching for a vein-finder medical device online. I was happy to find the device at an affordable price at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The website looked very legitimate. I corresponded with a member of the sales team, " XXXX, '' via email for a few days about the device. I was vetting them, asking detailed questions, and requesting details of the device before I purchased. I am a very skeptical person when buying online but they complied with all my requests. They said the only way to pay was via wire transfer. On XX/XX/XXXX, I wired them {$1100.00} for the device and they responded saying they would ship my device as soon as they verified the wire. Soon after, they stopped responding to all of my emails. The phone number listed on their website was not in service. I never received the device. 

After I assumed I had been scammed ( about 5 days later ), I immediately contacted my bank ( Wells Fargo ) to report the fraud. I think this was on XX/XX/XXXX. I offered supporting documentation ( like my email correspondence, real time pictures of the device, and pictures of the invoice, etc but they denied needing it. The agent said they would contact me if they needed any additional information. Shortly after this call, I filed a report with the FBI internet crimes division about the fraud. 

Today ( XX/XX/XXXX ) I received a letter in the mail today saying Wells Fargo denied my claim because I they could not get the funds back. I am aware its difficult to get funds back from a wire transfer, but that is what having insurance is for. 

I called Wells Fargo on XX/XX/XXXX requesting to appeal the claim and they again denied the need for any of my supporting documentation, and said I could not appeal it. They weren't interested in even seeing anything. They said they have a protocol they have to follow and basically told me " too bad. '' I have been a customer for almost 20 years and have never reported a claim like this. If every aspect of the transaction seemed legitimate and it turns out being fraud, is there no protection from my financial institution? I am EXTREMELY DISAPPOINTED in how I was treated as a customer and am considering closing all of my accounts and credit cards with Wells Fargo if this can not be remedied as I feel I am no longer protected by them as a consumer.
Product: Credit card or prepaid card

I went to dispute XXXX {$2500.00} charges equaling a sum of {$5000.00} that were made on XX/XX/2021 for {$1500.00} and the remainder paid on XX/XX/2021 for {$1000.00} equaling {$2500.00} and on XX/XX/2021 for {$2500.00} I informed PNC that I purchased a product that did not perform as advertised and rendered unsatisfactory performance. I am of belief that I am a victim of deceptive marketing and fraudulent practices by the XXXX XXXX XXXX  also known as XXXX XXXX XXXX  ( XXXX ) and the XXXX XXXX ( which would be the merchant reflected on the bank statement for both {$2500.00} purchases ) I, along with hundreds of people purchased a software/service that did not perform as promised. We were told from the creator/merchant that we could request refunds yet after numerous attempts to rectify the situation those same requests were denied. 
The results from the software/service were inconsistent, and when updates were announced they were never given in a timely manner. I have taken further measures to file a class action lawsuit against the company ( XXXX XXXX XXXX for their deceptive marketing. PNC informs me that they would look into the matter and to check back in with them in XXXX  days. It is now the XXXX day and upon reaching back out to PNC they informed me that a dispute was never filed ( though I spoke with several representatives on different occasions confirming the filing of the dispute for the return of my money ) thus leading me to believe that I as a customer do not matter and with the lack of effort by PNC my money would not be returned without assistance from someone. Please help me, Ive lost all hopes of retrieving my money back and am having a hard time trusting this company moving forward.
Product: Debt collection

Debt was paid on full XX/XX/2021 Dispute filed on XX/XX/2021 and including confirmation that payment was made. 

Company did not verify accuracy of debt with original creditor and is still trying to collect the debt.
Product: Payday loan

I was told by the big picture loan that I would have to pay back {$540.00} for a loan of {$400.00} to this date of XXXX/XXXX/2016 I have made XXXX total payments of {$140.00} via automatic draft from my banking account Which equal up to {$560.00}. I have not been late or missed a payment. When I called today to question them about a letter I received from Big Picture Loans for another loan. I assumed my loan was paid in full. I also recieved a email from a XXXX stating that my application had been approved. I did not apply for a loan with them and I believe Big Picture Loans sold or gave out my personal information. I have already paid them more than I borrowed and more than what was stated to me would be my payback amount of {$540.00}. While I was on the phone with the rep she offered me a " courteously '' waive of charges if I gave them permission to withdraw {$400.00} from my account ... .THAT 'S {$940.00} that I would have paid for borrowing {$400.00}!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I sent XXXX, XXXX and Experian letters in early XXXX  they were have said to arrive to the Bureaus on or around XXXX XXXX A few accounts were not mine and I requested for them to further investigate and within 30 days to try to resolve the issues. It has now been 48 days, and STILL NO response from XXXX or Experian and then XXXX sent me a letter on XX/XX/22 stating that " it doesn't appear that me or a properly authorized third party sent the letter '' I am at a loss as I am trying my hardest to get this resolved and with no help. Can someone please assist me? I feel like I am getting the run-around! I am not able to do many things with my credit being compromised like this. I Have been dealing with this since XXXX of last year, and I also reported to Identity theft to the FTC and have 3 separate reference numbers.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records. 
Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both m

y consumer rights and the UCC law. I hereby issue this final demand for Experian Credit Bureau to
immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days.

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I deposited a check that was my son 's which I have power of attorney over the check cashed in my account there was a hold on my account for a month or so, then the fraud department decided to close my account, the bank at first had told me I would be able to come pick up the cashier 's check for XXXX but it would have been for XXXX due to me withdraw XXXX $ well none of that happend, then i was told that when they closed my account I would be XXXX $ overdrafted due to the funds being returned again that was not the case instead they closed my account i never received none of the money back and the check never went back to the issuing bank which i am able to provide emails confirming this, This is Key Bank on XXXX XXXX in XXXX XXXX
Product: Debt collection

Received a false bill in the mail from Credit Clearing House of America from XXXX XXXX for {$390.00} on XX/XX/2020. I do not know either of these companies nor have I ever used an emergency medical service. I work nights and their call center is not open at the times I am available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know why XXXX is on my report as a negative item. I have XXXX service now. Its stating that i open this account back in XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.
Product: Consumer Loan

I unfortunately entered a vehicle finance through Santander. For the past 2 years i have been reorted late and the balance on my car is the same as it was the very first day. i have asked for statements to prove this and have been told no, have been told its being processed, then was told they can only go back 1 year. i have filed complaints with their supposed office of the president, i just want out of this loan without a repo on my record so i can get another car. Never do business with them again
Product: Checking or savings account

This bank charged me 3 overdraft fees when I only should've been charged one for the {$80.00} ATM withdrawal. I had two pending transactions totaling less than {$4.00}, the money had already been removed from my account it just hadn't been posted but they charged me overdraft fees for both transactions when they posted. How were there insufficient funds when the money was already removed from the account? No other bank does this. They also reorder transactions to trigger as many fees as possible. I've seen numerous complaints about this bank doing that. I've tried to resolve it 3 times now and they won't do anything it's ridiculous.
Product: Checking or savings account

I was w/ Wells Fargo and might have been charge an over draft fees that Im unaware of
Product: Credit reporting or other personal consumer reports

Affirm is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Checking or savings account

Debit card number was used fraudulently for a transaction of {$650.00} on XX/XX/2017 at XXXX, XXXX, NJ. The Debit card was in my possession during the incident. 

We realized funds were missing 6 months after the incident. 

Lodged a complaint with Bank of America ( BOA ) Fraud investigation team. First BOA promptly refunded the amount and started investigation. 2 months later, BOA deducted the credited amount claiming PIN was used in debit card transaction and hence, must have been done by cardholder or family member. There was no contact made with XXXX and no proof sent to us. 

We challenged the findings, even citing to verify XXXX CCTV and faxed all details from nearby BOA branch. Followed up with fraud investigation team, who confirmed they had all the details and can expect in our favor. However, after another 2 months of investigation, BOA came back with same " PIN was used '' reason and closed the case again without any refund. 

XXXX store, where fraud happened, didn't give the receipt as they said they have policy not to maintain records older than 3 months. However, online XXXX customer service retrieved the transaction bill. There were 2 money orders drawn - one for {$150.00} and other for {$500.00}. XXXX XXXX confirmed that both money orders were cashed out and can't be replaced.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of the data breach & identity theft within 4 business days of you receiving this complaint. These accounts are inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several breaches, & fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, data breaches, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of a data breach that led to identity theft and fraud.
Product: Consumer Loan

Today I called Avant Inc to make an interest only payment, I was told that a portion of my payment had to go to the daily interest that accrued from my last payment to today. I told the rep that I did n't want any of this payment going to interest. The rep told me that is the policy and it ca n't be changed. The rep said if I wanted to not accrue any interest when I wanted to make an interest only payment, I must make the payment on the day that my regular payment is due. Also I was told there is a limit of how much additional principal I could pay each month with my credit card. In the loan agreement is says I could make additional payments by paper check, money order, debit card, or credit card, but nowhere does it say there is a limit of how much could be paid with any of these forms of payment. They are forcing me to pay interest I 'm trying to avoid. Their policy will make me take longer to payoff the loan, resulting in unnecessary interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX XXXX and considered XXXX by The State of Florida. I purchased a brand new XXXX XXXXXXXX XXXX  and a tree fell on it during one of our storms in Florida. I was under XXXX warnings. I had full coverage, I purchased XXXX XXXX. It took the insurance company four months to close out the loan. As the car sat in the shop undrivable I was in touch with XXXX XXXX many times because they wanted payment for a car that was TOTALED. I repeated my story 100 times but they kept calling. The problem is when I call they refuse to email me the information or help me with my XXXX XXXX. Company policy that they can't email me. This is after me crying on the phone begging them to help me. 4 months and no car, all I needed was helping closing out my XXXX XXXX so they could receive payment. Instead they still call me asking for payment and then put it on my credit. I struggling to buy a car now due to this. It looks like I didn't pay my loan. When call I get I'm sorry I can't help you and they transfer me and I explain my hearing please dont tranfere me to another voice I might not hear, but they do. I have a XXXX XXXX XXXX XXXX XXXX XXXX so I'm XXXX XXXX XXXX XXXX XXXX. Instead of someone treating me like a human and going a step above they ruined my credit and this violates my ADA rights as well. I'm struggling and I begged and cried for help and repeated myself PLEASE document that I'm hearing impaired. They are always clueless when they call.
Product: Credit card or prepaid card

items were purchased using my Discover card on XX/XX/2020 ( {$5000.00} ). Items were returned on XX/XX/2020 and later received and confirmed with merchant. Return was posted onto my Discover account and over 60 days later reappeared on my account. Spoke to customer service, gave them all proof and documentation of return confirmation through merchant and was told they will remove transaction which they did. Over 60 days later yet AGAIN it was posted to my account. Worst customer service ever and I will be cancelling my card with them.
Product: Mortgage

I financed my new home with Bancorp South in XX/XX/XXXX. 

I made my XX/XX/XXXX payment on time, then the next week received a letter from XXXX that they were taking over the loan servicing and that I actually owed XXXX the XXXX payment. 

Bancorp South was supposed to transfer my mortgage to XXXX, and they were supposed to forward the XXXX payment to XXXX. After multiple phone calls, XXXX has not received my payment even after Bancorp South promised they were cutting a check to send the XXXX payment to XXXX. 

Bancorp South also shows that I owe them a XX/XX/XXXX payment even though they were supposed to already have transferred my mortgage to XXXX.
Product: Debt collection

Lv funding Has made several harassing phone calls after being asked to stop contacting me. I have not nor have I ever contracted with this company. This company has multiple accounts reporting as a collection that is negative impacting on my credit they have failed to investigate and provide proof that I owe this company this debt.
Product: Mortgage

My escrow account with Ditech was cancelled effective XX/XX/2016. My XX/XX/XXXX billing statement and the automatic payment was for the correct amount. However, the XX/XX/XXXX billing statement and automatic payment included escrow even though I contacted Ditech XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail in getting it corrected. That caused my checking account to be overdrawn and I had to transfer money from my savings account to cover another bill. Now, the XX/XX/XXXX billing statement has escrow included, but the automatic payment has been cancelled. I pray that Ditech does not still make the automatic payment.
Product: Bank account or service

My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. I had a positive balance in account as of XX/XX/2016, made several transactions from account on the XXXX. Checked balance on the XXXX which showed positive balance after those transactions of the XXXX. Made an ATM withdraw on the XXXX which put account into negative status and understandably incurred an overdraft fee. Checked account on XXXX to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus XXXX, Equifax, XXXX I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXX opened XX/XX/XXXX under account XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank you.
Product: Mortgage

I purchased a home on XX/XX/XXXX. We worked with Fairway Independent Mortgage Corporation. They failed to include an accurate estimation of our taxes in our escrow payment that has resulted in a XXXX shortage to our escrow account that will raise our mortgage by {$600.00} a month. 

The Dodd Frank Act provided some level of clarity in that this estimation is now required by creditors for property taxes based on the taxable assessed value of the real property securing the transaction after the consummation of the transaction. 

This avoids a potential pitfall where the initial escrow deposits only reflect a lower assessed tax bill based solely on the value of the land. Disclosure provisions also provide the consumer with notification that the amount of escrows may increase. The expectation from the Consumer Financial Protection Bureau is that lenders and servicers determine the proper method for computing the estimated taxes. Availability of data to compute such estimates can vary by state as well as locality. Generally, estimates can be based on like properties that have been assessed if that information is available. Otherwise, 1 % to 5 % of the purchase price can be a reliable estimate. 
The importance of communication with the consumer can not be overstated. In addition to the required disclosures, the lender should ensure that guidelines include informing consumers that their payment will increase upon full assessment and that an escrow overage may be sent to them if the reassessment does not occur by the time they receive their first escrow analysis. 

Based on this information, I think it is clear that I was not provided the accurate estimations, information, disclosures, and warnings about my improperly funded escrow payment. No one ever explained to us that our payment was insufficient to properly fund the escrow. This has put me in a situation where I own a home with a mortgage payment {$600.00} above the budget I explicitly communicated to the lender. It sounds like there are very specific regulations in place to protect the consumer so that this exact thing does not happen. I have reached out to Fairway Mortgage on XX/XX/XXXX the day I received notice of an escrow shortage.I am waiting to hear back about how they will fix this but have not as of yet. 


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