23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I tried to purchase an XXXX monitor for XXXX on a small ecommerce website called XXXX. The site is down right now, it was live and running when I made the purchase on XX/XX/21. 
Please see the files attached for the evidence. 

Also attached images of the weight difference of the same product on XXXX and the scam website XXXX. As you can see in the images I attached, the weight of the monitor in the ups tracking number that the scam website XXXX sent is only XXXX lbs, the real weight of the same monitor on XXXX is XXXX pounds/lbs. I also attached an image of a text message that XXXX sent me. 

I never received this monitor even though I was sent a false tracking number. A few weeks later the website goes offline when it was previously online. I also found several negative reviews of the site on trustpilot.com from several customers that bought something and never had it delivered to them. I also called ups with the tracking number they gave me and they confirmed that the tracking number was not for my address that I put as the shipping address. 

I contacted the bank I used to make this purchase, ally bank, to report fraud and request a chargeback. Ally bank took longer then other banks take to issue a chargeback. They got back to me with a letter saying this charge was authorized and correct and to fill out an additional form if I wanted them to investigate this charge further. I filled out the form completely with all details and evidence that makes it clear and obvious that the merchant was fraudulent. I had to wait almost 3 months for ally to respond to this by a letter in the mail for their final determination on this charge. Their final letter said that they think it is still authorized and correct and they tried to contact the merchant and of course never received a response from them. They still closed this dispute regardless without issuing a chargeback to return my money and said to contact the merchant directly which I already tried to several times and never received a response because the merchant is an obvious scam that many other people that have left reviews have confirmed they have gotten scammed the same way. What can we do to recover the money?
Product: Checking or savings account

I am writing to file a complaint against Bank of America 's ( BOA ) unfair, deceptive and abusive practice of setting off joint consumer deposit accounts to pay off commercial debts owed individually by an account owner. On XX/XX/2017, I was notified that the funds in my joint consumer deposit account decreased to a negative balance. I reviewed my account online and discovered that BOA withdrew approximately {$3900.00} from my account to pay a charged-off commercial credit card debt owed by my joint account holder. 

I immediately attempted to contact BOA to try and get information regarding the transaction and was informed that they could not discuss the setoff and the charged off debt with me because it belonged to my joint account holder, and that I agreed to their set off terms when I opened the account. I was informed that it is BOA 's policy to setoff accounts to pay off credit card debts as permitted in their account terms. 

I understand it is BOA 's policy to setoff accounts in certain occasions. However, it is an extremely UNFAIR practice to setoff funds in consumer joint accounts to pay off commercial debts that belong to only one of the co-owners, and then refuse to provide both co-owners with information regarding the setoff transaction. 

Additionally, I requested that BOA provide me with the actual documents of where I signed and consented to their setoff procedures. They indicated to me that they would not be able to provide me with these disclosures until seven days. In the meantime, the money that I needed to use to cover my essentials ( like food, clothing, electricity for my children ) is severely compromised. 

Furthermore, it appears that BOA exercises its setoff practice DISCRIMINATELY, as they could not provide me with justification as to why they are choosing to exercise their discretion to setoff my account when it is not consistently done for similarly situated accounts. 

Please help.
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX XXXX  I was scammed out of {$1100.00}. The caller 's number on the caller id was from XXXXXXXX XXXX The individual over the phone stated that I had some overdraft issues with my account and they asked for me to send. That amount through Zelle. I was skeptical and I told the caller that I needed to call the police and I hung up. As I was calling, XXXXXXXX XXXX, the caller call right back and on the caller. I. D was the telephone number for XXXXXXXX XXXX The caller stated that he worked for XXXXXXXX XXXX. He was in the bank and needed to make this correction on my account. In order to do that, I needed to send the {$1100.00} via Zelle. I contacted. XXXX once it took place, and they stated that they could not refund my money at this time. At the time, there was no disclaimer about making sure that this was correct person and that I knew the person I was sending the money too. My money was never refunded by Zelle or XXXXXXXX XXXX. PLEASE help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX XXXX Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened XXXX XX/XX/2015 Balance {$23000.00}.
Product: Money transfer, virtual currency, or money service

There was unauthorized payments on my account and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found 6 fraud accounts has been listed to my credit reports to ( EXPERAIN, XXXX XXXX XXXX ) and also found address has been listed that 's i never lived there also wrong names has been listed too, i filed FTC report # XXXX and also i reported to local Authorities to XXXX # XXXX, the accounts listed below as : ( ( 1- ) ) -Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) - Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquiry that I never approved from Credit Technologies on XXXX XXXX. I attempted to reach creditor and was unable to.
Product: Mortgage

Hi. My problem is threefold. My loan has been sold three times within two years, the communication with the company is impossible and deceptive each time I call, and this company has paid an escrow payment to another insurance company that is not listed on my escrow account. See details next : I have been attempting to obtain a refund from AmeriHome for an escrow payment for {$900.00} paid to XXXX. Two escrow payments were removed from my escrow account. One escrow payment paid out to XXXX on XX/XX/XXXX and another escrow payment paid out on XX/XX/XXXX to XXXX. I have made many calls and there is/are notes created by a representative. They were working to contact XXXX to get a refund and get the money returned to me. Once this happens, I, then, will call my new mortgage company ( XXXX XXXX  ) to put that missing, misdirected {$900.00} escrow payment back into my escrow account with freedom mortgage. 
At this point I am receiving different stories from many representatives at AmeriHome. They ( AmeriHome ) did purge my files ( my loan has been closed out with them since XX/XX/XXXX ) and they now my account can be seen and they do have a copy of the check cashed by XXXX. These are in the notes with AmeriHome. 
My current mortgage company ( XXXX XXXX  ) has increased my monthly payments in order to make up for the extra escrow payment ( {$900.00} ) removed from my account on XX/XX/XXXX. There also is another late Escrow payment of {$900.00} made on XX/XX/XXXX. I dont particularly like paying a higher payment for a huge mistake, made by a professional business that should not be making these types of errors which directly affect a consumers financial health and livelihood. We the consumer expect that our money is safe with a financial institution and that all monies will be handled appropriately! I am distressed and extremely incensed over this huge error with my money! I want to have a resolution. I have contacted the attorney general in Indiana as well as New Jersey and have reported to another agency. Consumer FTC. I see the many complaints on the XXXX site. They are dealing with the same issues. Im not so sure that there is some type of fraud taking place with unaware consumers who trust their mortgage company to do the right things. Its also very difficult to get someone who will work with you at this company. Its the runaround every single conversation with them. They have everything documented in their system but it is a different representative each time. I do not feel I can deal with AmeriHome because they appear to give me the runaround each time I speak with them. Im done and will not continue to deal with them. I need a proper person that has the knowledge to handle this error. 

Help!
Product: Credit reporting or other personal consumer reports

Goodleap has placed my loan on my consumer report as charged off. Since this is a tax issue asked them to remove it from my report and send me the 1099c
Product: Checking or savings account

Hi, I have opened a new checking account with Suntrust and it was approved on XXXX XX/XX/XXXX. I went ahead and provided direct deposit details to my employer who wet ahead and deposited my 15 days salary of around {$4500.00} which came to account on XXXX XX/XX/XXXX. 
However, when i tried to login online on XX/XX/XXXX XX/XX/XXXX, I came to know that my account has been freezed after talking to customer care. They told me that I will not be able to access my account as it is in process of getting closed. When i asked on the reasons which triggered this problem, they mentioned they were not aware of any reason and I would get a letter explaining the reason and a check for my balance ( approximately {$4600.00} ) in a month of so. 
I offered to provide any missing information to continue my relationship or to get faster access to my funds but I was informed that neither of them is possible. 
I even explained them I am already banking with XXXX which is same bank now but to no effect. 
I am finding it very difficult to understand why would they approve my account, accept a direct deposit from my employer and now close the account with no explanation provided or seeking any missing information from my side. I did not made ANY transaction at all which could have triggered any reason to close my account. 
Most importantly, they have blocked my complete 15 days pay check of {$4500.00} which i need immediate access to in such uncertain times of corona-virus pandemic. 

My Account number - XXXX Thanks XXXX
Product: Debt collection

My information was EXPOSED in a Database Breach.. This company never seen me in person to get a signature or my identification or anything.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX, I initiated a wire transfer of {$14000.00} to XXXX XXXX XXXX XXXXXXXX XXXX  PNC bank account, from my bank, XXXX. 

By Saturday XX/XX/XXXX, I discovered that the vehicle I purchased had serious undisclosed accidents and legal concerns, making the transaction a scam. 

Concerned about the legitimacy of the transaction, I contacted XXXX on XX/XX/XXXX ( the following Monday, the next business day of my wire transfer ) to initiate a recall of the wire transfer ( case number : XXXX ). XXXX claimed that they sent the message out to PNC right away and need to wait for PNC to respond. They asked me to follow up within XXXX business days. 

Despite filing the recall request promptly on XX/XX/XXXX, I was informed at the end of XX/XX/XXXX ( Tuesday ) that the funds had been successfully transferred by XXXX. XXXX communicated to me that they had issued the recall request immediately on XX/XX/XXXX, but the recipient 's bank, PNC, failed to respond in time to stop the transfer. 

I seek clarity on whether the responsibility for the failure to recall the transfer timely lies with XXXX or with PNC. This issue is critical as the funds were sent to an entity involved in deceptive practices, even after I had officially requested a recall. 
Given the complexity and urgency of this matter, your guidance and intervention would be greatly appreciated to determine the accountability and to potentially rectify this financial mishap. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue.
Product: Mortgage

In XX/XX/XXXX my wife an I purchased a home, we contacted the mortgage servicer ( XXXX ) and requested the due date be moved from the XXXX to the XXXX, they agreed and we paid between the XXXX and XXXX every month, in XXXX of XXXX we received a letter from XXXX morgage that they were acquiring our mortgage and we need do nothing but change who we make the payment to. 
XXXX of XXXX I started receiving phone calls that my mortgage was late, I created an account, once I access my account I noticed the following XXXX ) my payment was reset to the XXXX of the month XXXX ) Roundpoint did not transfer my homeowners insurance and put us in forced insurance XXXX ) applied late fees After contacting roundpoint I had to send proof of insurance, something they should have done prior to purchasing. 
once an Escrow review was completed my mortgage payment was over {$400.00} more per month, even though neither homeowners and flood insurance had not changed. 
At this point our payments are not matching what they are expecting and not on the date they set so our mortgage went into default and my credit score was negatively impacted by XXXX points in less than 30 days. 
In XX/XX/XXXX I requested an escrow waiver, I contacted them beginning of XX/XX/XXXX contacted roundpoint regarding the waiver and was told it was under review. On XXXX XXXX XXXX I contacted them again and was told it was rejected.
Product: Credit card or prepaid card

I am writing to complain  American Express Credit Card.      Because  A  merican Expresss mistake and misoperation, I become a victim of internet fraud. At  XX/XX/XXXX , I made an online trade with the fraudster ( email owner of  XXXX  ). The fraudster made a {$20000.00} bill payment to my American Express credit card, and I did not deliver the products until the payment status change from pending to complete. Because it is a large amount of transaction, during the period ( from  XX/XX/XXXX   to XX/XX/XXXX  ), in order to verify the payment, I called and double checked with  American Express for 3 times. Every time, I got the same response that the transaction is cleared and complete, and American Express has already received all the money and paid to my account. After the fraudster received all the products, the fraudster totally disappeared and I can not get in tou ch with him anymore. So I realized that the transaction is a fraud, and at   XX/XX/XXXX , I ev en reques t American Express  to freeze my account and hold all the transactions. However,  American Express di d not hold the transaction and reversed the {$20000.00} payment back to fraudsters account at  XX/XX/XXXX . I have contacted them for getting the fraudster 's account number and bank information. However, they said they do n't know. I have attached the fraudster 's payment record and payment reverse record to this complaint.
Product: Mortgage

To whom it may concern, My name is XXXX XXXX and my wife and I applied for a mortgage with Chase Bank to buy an investment property. We were given a pre-approval letter and we assumed that we were ready to start looking. Our real estate agent helped us locate, make an offer, and get a contract on a property at XXXX XXXX XXXX XXXX, TN. 
On XX/XX/2021 we received an email from one of your employees claiming that we were ready to close and a closing date was set up. We then began making accommodations and ordering inspections on the property assuming we had the funding. 
We attempted to contact the agent XXXX  on XX/XX/XXXX, we didnt receive any response. On Monday XX/XX/XXXX we then found out he was on vacation. At that point we where informed that the person who was in charge of our file while he was out was also on vacation. We finally got in touch with their supervisor XXXX XXXX and discovered that we did not have sufficient documentation to close on the property. Now we are being told that there is a ninety-eight percent chance that our loan will be declined, due to being self-employed. 
I feel as though Chase Bank has mislead us into thinking we could do something we apparently could not do. Now we have not only wasted our own time, but we have also wasted our personal real estate agents time, the sellers agents time, and the sellers time because his house couldve been on the market this entire time. We have also wasted thousands of dollars with inspections and furniture purchases for this property. I feel that we have been abused by Chase Bank because of the ineptitude of their employee. The supervisor even went as far as to say he felt we could afford the property but for whatever reason it seems we will be denied the loan. 
No one has apologized for the inconvenience this has caused not only myself or the other people in this transaction. I expect for Chase to follow through on your commitment for funding that your company initially offered, and I am asking the Banking Commissioners for both the state of Tennessee and Florida to investigate the matter. 
Please feel free to contact me by email at XXXX or by phone XXXX. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

A medical bill was outstanding in which my health insurance covered services for. XXXX issued an appeal instructing the billing medical facility to re submit the claim but they did not receive it and placed the account in collections. The collection agency refused to acknowledge the dispute and demanded payment on two different phone conversations. Their written correspondence in this matter is incredibly insulting and discriminating by asking me to contact a rep named " XXXX XXXX ''. To me this is a business matter and insinuating I am scandalous and avoiding my personal business is highly unprofessional. Furthermore I have no idea if they have actually disputed the debt. I have contacted the insurer and original facility billing us and XXXX agreed to process the claim and issue payment. I have a valid dispute and the collection agency did not process it correctly nor communicate acknowledgement or a professional process for the dispute.
Product: Mortgage

I need my home inspection from the year XXXXXXXXTo XX/XX/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfers

I needed to send money to a person XXXX. I could not find a Swift Code to wire the money to her bank account. I submitted a request via XXXX an online service to transfer a substantial amount of money to this individual. Once they collected my credit card information and personal information, they called me and requested photo documentation of a passport or drivers license. I considered this suspicious and had to cancel my credit card. Now I have no card for 10 day and will have to change the number on any accounts I have for automatic withdrawal. Do not trust this company!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

i had the following ach transactions to coinbase from discovery bank. 
My coinbase account was compromised and I need to dispute the ach transfer with discovery bank and get the money back. 

XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$16000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$20000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$29000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$35000.00}