23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.
Product: Credit reporting or other personal consumer reports

On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to XXXX XXXX
Product: Credit card or prepaid card

I ordered Matts for my car. When received they were wrong ones. I contacted the merchant ( XXXXXXXX XXXX ) they agreed to send me a new set. But nothing was sent from them. Called them emails them and they started to ignore my requests. I went to my CC and disputed the charges. I also sent pix of the product and emails to and from seller. 
Chase Sapphire CC entered my dispute as never received products which is not what I have complaint. They decided to close my dispute and told me its too late now for them to go back to seller. Not fair. 

When I call chase sapphire CC it always goes to a different country and I am sorry but I cant really understand those customer reps. Which makes sense why my dispute was entered wrong
Product: Credit card

American Express charged me for Premium Car Rental Protection- {$24.00}. I never signed up. I know these products are a complete rip off. When I called to inquire, I was told I signed up in 2013 under a different card number. They refused to remove the charge. I 've never been charged before. Clearly the company changed my preferences and add it by default.
Product: Credit reporting, credit repair services, or other personal consumer reports

wellsfargo has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with   XXXX   and the company  XXXX  has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also   XXXX   i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved
Product: Money transfer, virtual currency, or money service

I alerted Citibanks wire transfer department on Friday, XX/XX/XXXX I was frauded with a wire transfer of {$6000.00} from my checking account within XXXX min from incident. Citibank didnt take recourse in time by 1/ communicating to the fraudsters bank to freeze their bank account and 2/ managing secure validation procedures for a wire transfer to be processed. The security validation for the wire transfer is the SAME for all transaction types. The fraud event happened because the fraudster tricked me into believing he worked with Citibank as a fraud XXXX to validate a {$500.00} transaction. By having my last four digits of my social and my debit card number, the money is gone. 

Due Citibanks slow response time and investigation, the funds have likely been withdrawn by the fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Previous complaint ID that got closed. 

Lexis Nexis assigned XXXX as the representative to handle this complaint. However, she never proactively reached out in dealing with the matters. 

Attaching in the complain is the series of inquiries of my report. All of the responses by LexisNexis ( or XXXX specifically ) were merely a reply to my proactive inquiries after silence and silence over the months. 

The last point of contact, XXXX asked for the last known US addresses on the file, which I replied within 5 hours. The same day XXXX wrote up a form stating no response was received on my end. She blantly lied to me, to the government and in written form of communication and paper traits, ( email ) she never did any investigation, or addressing any concerns.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting " OPEN '' ACCOUNT for a charged OFF account which also reporting a PAST DUE of XXXX this is inaccurate reporting! You canot report an open account which has been charged off showing a past due balance
Product: Mortgage

XXXX XXXX XXXX ( XXXX ) made an overdraft from my checking account for my XXXX mortgage paymentin the amount of $ XXXX requested the overdraft amount of $ XXXXto be placed back into my checking account.Thisscenariocould have been easilyresolved were it not for theexistingXXXX governingletters, rules, policies andregulations. 

XXXX statement for XX/XX/2016mortgage paymentfrom XXXXstatement stated my mortgagepayment for XX/XX/2016was $ XXXX budgeted for this amount from my XX/XX/XXXX checking account.XXXX posted myMortgagePayment due on XX/XX/2016to my checking account on XXXX XXXX, 2016 for $ XXXXand theamount was paid by my bank toXXXXon XXXXwas {$840.00}. 

The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to " enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter, stating XXXX made the overdraft. 

The mortgage company agreed to work with me, but since mybank would not draft a letter perXXXX guidelines and specifications, I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses, I agreed tohave the overdraft amount applied to the principal of my loan.
Product: Credit reporting or other personal consumer reports

The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency XXXX XXXX transunion Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my Whitten instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you.

Best regards,
Product: Credit card or prepaid card

This is regarding Discover Payment Protection Plan. <P/>It turned out I was enrolled in the plan for years ( since XXXX ) and paid thousands of dollars in fees. I 've been making automatic minimum required payments for the maxed out card without realizing that approximately {$160.00} each month goes for the service I did not request. I called Discover about it, they cancelled the service and refunded 6 months worth of payments. However this does not come close to the amount I paid over the years. <P/>Attached are two statements - one dated XX/XX/XXXX and the other one XX/XX/XXXX. I was charged almost {$5000.00} just during this period. <P/>I understand I am not the only one who was taken for the ride by Discover. XXXX XXXX XXXX I 've been paying high interest rate for my card balance for many years now, charging another $ XXXXmonth on top of that is just not right. Please help me recover the money. <P/>Thank you
Product: Mortgage

To Whom This May Concern, On XX/XX/2022, I made a complaint with the state of Alaska for Caliber Home Loans. My husband called Caliber to be put on their XXXX list but we kept on getting letters in the mail for two years. I finally reached out to file a complaint with the state of Alaska to have Caliber remove us from their mailers. I got a letter back from XXXX XXXX Alaska state regulator ) stating that the company would put my family on the XXXX list. Today, XX/XX/XXXX. 2022 I have received another letter from Caliber Home Loans. Their corporate office is in Texas, but they originate in Alaska ( XXXX XXXX XXXX : XXXX ). My husband has received many homes refinancing letters since we have lived here and apparently after I have reached out to the state to be put on their XXXX list. During these two years, he has called Caliber Home Loans directly to add us to their do not contact list for the branch and corporate letters. Unfortunately, he still receives advertising letters and phone calls. 

If you view their website www.caliberhomeloans.com at the bottom of the website there are no disclaimers regarding do not contact lists. We see one for Texas and California but nothing for the rest of the 48 states to submit their requests to not be contacted. I have also noticed there is no NMLS number, state license verbiage, or Caliber Home Loan disclaimer with the corporate NMLS number at the footer of the website. The ECOA logo is small, for the ECOA/Fair Lending regulation, the logo should be large in reference to the organizations logo. All are which are required for the state of Alaska. 

According to the XXXX XXXX XXXX organizations that offer goods or services by telephone need to be registered with the Federal Trade Commission. They are required to have a national and local company do not contact lists offered to all branches. Caliber Home Loans may want to include a searchable database for consumers to fill out to ensure they will not be contacted by the organization. 

The XXXX XXXX states that the opt-out option must be offered for at least 30 days after you send in the message. When we called in to be removed from being contacted, it was stated we would not be contacted. Even after 30 days, we have still received mailers and telephone calls. This is a violation of the XXXX XXXX. As previously stated above, on the branch and corporate website, there is no form that a consumer can fill out to be removed from being contacted. I went through their website again and there is still no XXXX information for those who do NOT live in California. 

I do NOT want to be contacted by Caliber Home Loans. I don't know how many times I need to report Caliber.
Product: Bank account or service

I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXX  2. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My mortage was sold to another lender. I have no control over if/when the bank who services my mortage chooses to sell it to a different lender. 

On XX/XX/2023, Experian reported my credit score decreased by XXXX points because they classified the mortage as closed instead of transferred. 

I filed dispute XXXX on XX/XX/2023 with Experian which they resolved on XX/XX/2023. My credit score has not been adjusted as a result of their investigation, although they verified the information I submitted was accurate. 

A XXXX point decrease in credit score is substantial and should not be the result of a consumer 's mortage being transferred to a new lender. Mortages are frequently bought and sold and it is unfair to be financially penalized for actions taken by banks which consumers are helpless to prevent.
Product: Mortgage

Hello, On XX/XX/year> LoanCare received a Qualified written request from the consumer requesting the following information : 1 ) Mortgage Insurance Policy for Account ending in XXXX. 
2 ) Title Insurance Policy for Account ending in XXXX. 
3 ) Escrow Accounting. 
The mortgage servicer is in violation of RESPA 12 CFR 104.35 and 1024.36, which states that the servicer has 5 days to acknowledge the receipt of the qualified written request and 30 days to answer the request. I has been longer than 30 days and the servicer has not responded to the request.

These violations have caused the consumer significant financial harm and stress. The consumer have attempted to resolve these issues amicably through previous communications, but has not received a satisfactory response. 
Thank you for your immediate attention to this serious matter.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXddress : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number XXXX, XXXX, XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : DISPUTE OF INACCURATE INFORMATION - MIDLAND CREDIT MANAGEMENT INC ( Account # XXXX ) **Consumer File # [ Your File Number ] To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect information that is currently being reported on my credit report regarding an account with Midland Credit Management Inc ( Account Number : XXXX ). This account contains false information and is being reported in error. 
The disputed account has incorrect details as outlined below : 1. Account Number : XXXX ( MIDLAND CREDIT MANAGEMENT INC ) 2. Balance Reported : {$400.00} 3. Account Status : reported as delinquent The information being reported is completely inaccurate for the following reasons : * The information is incorrect, and should not be on my credit report. Also addresses on file are inaccurate and I have proof of this I demand an immediate and thorough investigation into this matter, as this false information is harming my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days and provide written confirmation of the resolution. 
Please remove this erroneous entry from my credit report or update it to accurately reflect the true status of this account. If this inaccurate information is not corrected within the required timeframe, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I will explore legal remedies for any harm caused by this inaccurate reporting. 
I expect a prompt resolution to this matter, and I request that you provide me with a corrected copy of my credit report once the dispute has been resolved. 
Thank you for your immediate attention to this issue. 
Sincerely, XXXX XXXX
Product: Mortgage

Currently have a mortgage with Mr. Cooper. Since being with this company we have been scammed out of hundreds of dollars. Examples include : putting their own insurance on our home meanwhile we have mortgage insurance. We paid up our escrow account but was told our payments are going up. They pay our home insurance from the escrow account, but the insurance company has not received a dime and is threatening to close out our home insurance. We pay XXXX faithfully every month and on time, but was told our escrow account is in the negative and when disputing this claim no one has any answers. I want to be moved to another mortgage company because this one is practicing fraudulent practices. Why am I paying two separate insurances on my home and why is my mortgage going up and our escrow account is current. Also this insurance we pay to them isnt listed on any billing documents
Product: Mortgage

I changed my method of paying my mortgage to using XXXX XXXX from XXXX XXXX XXXX to 5th 3rd in XX/XX/year>. The form of the payment is described by XXXX as an electronic payment with a XXXX day turnaround. For example : If you send your payment on the XXXX of a month it will be DELIVERED the next business day. Every payment I have sent using this method has been documented to have been delivered BEFORE my grace period has ended with 5th 3rd and yet 5th 3rd Bank is claiming it is taking XXXX additional days to process the payment and charging late fees. 

I spoke with both XXXX and XXXX XXXX regarding this problem. 5th 3rd blames a " Third Party '' or " Clearing House '' for the discrepancies in the dates but XXXX assures me that if a clearing house were to be involved in the submitting of the payment I would be notified. 

Even when I show the Proof Of Payment from XXXX or my records from XXXX documenting the payment delivery dates they refuse to reverse the late fees. 

Also very telling in this process was the statement from the Supervisor from 5th 3rd that she has fielded a number of these same calls from other XXXX customers. It is very hard to believe that if you have a repeated issue with your customers someone at 5th 3rd could not PICK UP THE PHONE AND CALL SOMEONE AT XXXX BANK TO DISCUSS THE SITUATION AND ARRIVE AT A SOLUTION WITH HOW THE PAYMENTS ARE BEING MADE AND CORRECTLY COMMUNICATE THIS TO THEIR CUSTOMERS!!!!! But no, they would prefer to continue to charge late fees.