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

I opened an account online on XX/XX/year>. On XX/XX/year>, I went into the branch at XXXX XXXX XXXXXXXX XXXX  NY. I appeared in person at the branch and made a cash deposit of {$25.00}. I offered to provide my drivers license, but I was informed that the license was not required. The {$25.00} was deposited without issue. I was informed the account was open and in good standing, no further information was required. 

On XX/XX/year>, {$1000.00} was deposited into the account from XXXX. XXXX indicated that the funds were transferred fully on XX/XX/year>. In the interim ( over the weekend of XX/XX/year> ), the funds appeared to be PENDING on M & T 's online portal. 

On XX/XX/year>, the funds completely disappeared from the M & T account. The funds did not appear as posted or pending. I called M & T Bank and they would not provide any information about the status of the transfer. They would not tell me if the funds were being held, they would not tell me if the funds were being returned to XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Sunlight Financial contacted on several occasions regarding transfer of solar panel loan to perspective buyer ; informed by sunlight that transfer is " simple '' " just give us buyer information and loan is transferred ''. However, buyer is denied loan after meeting FHA loan expectations that include additional solar panel loan. Process regarding " simply '' transfer was a false statement. Corporation did not appropriately provide correct information is not providing insight to remedy present concerns. Complications from Sunlight Financial is resulting in financial hardship and preventing the purchase of future home.
Product: Debt collection

A company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted XXXX again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.
Product: Debt collection

I signed a stipulation with the county court for an eviction. I had to be out by XX/XX/2020 as a stipulation. The eviction was NOT for non-payment. My lease was signed until XX/XX/2020. I signed the stipulation unaware that without prejudice meant they can sue me for money owed until the end of my lease term. I thought it was suppose to cease further actions if I signed. That was not the case. I found out after reviewing my credit report that National Credit System Inc. Reported I owed XXXX XXXX XXXX XXXX XXXX , the apartment ( student housing ) I accepted the stipulation for, {$5200.00}. This balance is for rent up until XX/XX/2020, when my lease was suppose to end. I left XX/XX/2020. My room was rerented sometime in XXXX, according to my old roommate who still resides in one of the rooms and I called the XXXX and they did say it was rented. I contacted the collection agency, National Credit Systems Inc to dispute the accuracy but I am not sure what they did or what they are going to do about my complaint. I was told by Colorado Housing Authority that they can only charge me for the time the unit was vacant and once it was rented the balance I owe should reflect that. They are double dipping and it is illegal. I want the whole debt deleted from my credit report and the debt dismissed due to these issues.
Product: Debt collection

This is now the 3rd time I'm trying to correct this issue. 1st time in writing to which they said they need more time. 2nd time through the cfpb website due to them taking too long to respond and now this is the 3rd time. They can not prove I owe {$2000.00} and have not given any proof at all. Nothing with my signature or anything. It was opened up online is all they can give me with an address but that does not prove 100 % accuracy is being provided. I need more the some statements as my credit is my life. Now the want me to refer to a lawyer 's office for payment when the account isn't mine.
Product: Money transfer, virtual currency, or money service

I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX   that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX. 
I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days. 
I checked again on XX/XX/19 and the money had not arrived. 
On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone. 
On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.
Product: Payday loan, title loan, or personal loan

we had a solar system installed by XXXX XXXX XXXX. main company is in XXXX XXXX texas. 
the florida operations went out of business. 
we have a loan thru Mosaic Solar loan company we signed a contact XX/XX/22 we have contacted both mosaic and XXXX texas bby first class and regular mail, filed complaints with XXXX florida, texas and california. 
we have filed complaints with the states attorney generals office in florida, texas and california we have proof of calls ( hundreds ) to XXXX and Mosaic to no avail, before the lines were disconnected or mailboxes were full Mosaic told the XXXX that things were resolved, yet they told us that they the loan company was unable to contact XXXX XXXX. 
we have filed complaints again with Mosaic after over an hour on the phone yesterday with them. I had stopped the ACH payments 2 months ago. 
the file if 3 inches thick now and post it notes are numerous as to dates and who we spoke to. 
XXXX texas DID send a third party out 2 months ago, 1st solar out of florida to look at the ssytem and inform XXXX texas what was wrong. at that time we were informeed the structure was not installed properly to code and was not wireed properly and only 6 of the 20 panels are generating power. the 1st solar company voice mail is full and the contact person XXXX who is a supervisor for 1st solar his mail box also full so we are or were paying both a power bill and a laon payment which we stopped 2 months ago. 

everything is documented.
Product: Consumer Loan

TitleMax states that they sent by certified mail, a " notice of our plan to sell property '' regarding information about the sale or redemption of the vehicle. 
I recieved nothing regarding this and will request proof at trial. 
TitleMax states that regarding their recovery vendor listed items in my vehicle as " pens '' only. That is false. Your recovery vendor is dishonest and fraudulent, and this will be added to the lawsuit for theft of property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA XXXX merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit card or prepaid card

On XX/XX/2021, my credit card was stolen as my car was broken into. I had 3 charges, one for {$100.00}, and two for {$210.00}, a total of around {$640.00} that was on my credit statement. I immediately called Chase bank and filed a dispute, shut down the card, and was issued a new one. I also filed a police report and even reached out to XXXX  to issue a fraud alert as well. On XX/XX/2021, the charges were put back onto my credit card statement, causing my credit card limit to go over. I called chase bank and spoke to a representative on the security specialist team, and she told me that I did not have enough evidence and their fraud team will not reverse the transaction. I asked her if there was somewhere to provide evidence ( my police report ) and she said no. I asked if she was willing to look at the police report and she said no. The representative told me to email the fraud team with the evidence instead, and when I tried the email address she gave me was faulty ( XXXX ). She said she will re-open the case but when I asked if there was a confirmation number, she denied it. The overall story was that I did not have enough evidence and they re-charged me for purchases I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; accounts XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Product: Credit card

I am the primary cardholder on an American Express Business Gold card ending in XXXX. My complaint relates to an account closure and annual fee request that has not been honored by American Express. 

On XX/XX/year>, I requested that this account be closed and the full annual fee of {$370.00} charged earlier in the statement cycle would be refunded. I received confirmation from an American Express chat agent that the account would be closed, and because the request was made within 30 days of the fee charge, the fee would be refunded within XXXX days. Surprisingly, on XX/XX/year>, I checked my account and saw that the fee had not in fact been refunded. I initiated another chat session and received an apology from the chat agent, who assured me that the refund of {$370.00} was being escalated and would be honored as promised. Transcripts of both chat sessions are attached. 

I gave the agent the benefit of the doubt. Unfortunately, that decision was not rewarded as I discovered that today, XX/XX/year>, the fee refund has still not been issued. This is an unacceptable experience and I require that it be timely corrected.
Product: Credit card or prepaid card

PenFed used to be a great company but they have become very shady lately. I applied for the XXXX XXXX and was approved. The card advertises that it will pay for $XXXX of incidentals for domestic airline purchases. I made two purchases with XXXX  that should have qualified for this credit. The credit never posted. I called in today, XX/XX/19 and it was clear that the customer service rep was completely clueless about the benefit and that PenFed had no intention of applying this credit - seems like false advertising to me. She sent me to the rewards department who couldn't help me and tried to send me back to customer service. It is clear that this advertised benefit is not real and PenFed is deceiving customers.
Product: Vehicle loan or lease

I sent a check for my payoff amount via certified express mail to the proper location and it was never processed. After over 3 weeks, the company informed me they can not locate the payment, but I have the USPS tracking number to prove exactly when the parcel was delivered and signed for. The company refuses to provide me with this information in writing and also will not settle my account.
Product: Debt collection

On XX/XX/XXXX I sent the agency a email explaining that I would be mailing out my payment. They responded on XX/XX/XXXX, this email response did not include the mini XXXX as the FDCPA ( 807-11 ) requires.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I have a unresolved bank issue regarding a credit union that doesnt allow me to get different banks that use XXXX XXXX and it has been resolved and paid in full
Product: Credit card

XX/XX/2023 I submitted a payment of {$69.00} through my bill pay service on my bank account - XXXX XXXX Bank to XXXX XXXX. 
Funds were debited from my account. 
I provided proof of payment and funds being debited from my account. 
However, they continue to claim they can not find my payment and I am still responsible for this payment. 
I have been contacting them concerning this incident try to resolve it since XX/XX/2023 with no resolution. 
I have provided all documentations they asked for directly from XXXX XXXX Bank. 
They continue to tell me it is under investigation, however I am continually being charged late fees of {$30.00} per month.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXXXXXX XXXX  XXXX : {$7600.00} XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$17000.00} : Open : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$3200.00} : Open : XXXX XXXX, XXXX XXXX XXXX XXXX : {$400.00} : Open : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX : {$320.00} : Open : XXXX XXXX XXXX XXXX  : {$500.00} : Open : XXXX XXXX, XXXX XXXX XXXX : {$260.00} : Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$180.00} : Open : XXXX. XXXX, XXXX XXXX XXXX : {$83.00} : Open : XXXX. XXXX, XXXX Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Debt collection

Person calls almost daily about an uncollected debt from Midland XXXX XXXX. I do not have any uncollected debts and I tell him that but he keeps calling anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times requesting an investigation to verify the unauthorized information and inquiries as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent inquiries reporting on my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA sec. 604 regarding Permisable Purpose. The inquiries listed on the attached documents were all unauthorized and are a result of identity theft.
Product: Credit reporting

XXXX XXXX XXXX shows on my EXPERIAN credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX XXXX Bank of the error in the Experian Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 

Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.
Product: Vehicle loan or lease

In XXXX of XXXX, Santander Consumer issued me a loan for a XXXX XXXX XXXX. My co signer and I paid triple the amount of what the vehicle was worth. My payments per month was XXXX which was difficult to pay. Since this time, Santander was involved in a lawsuit in which they had to reimburse some consumers for predatory lending and give them the title. However, for some reason I did not qualify for this. In XXXX of XXXX, due to loss of income because of Covid it became impossible to continue to pay this predatory loan. The vehicle was repossessed and now there is a balance because the vehicle was sold.
Product: Checking or savings account

On XX/XX/ I opened a Chime account and funded same account from my XXXX XXXX account with a transfer of {$3500.00}. The money is from my internship at XXXX XXXX XXXXXXXX. My account was immediately suspended and I was locked out and have not been able to resolve this with over 50 emails emails and all the documentation they have asked for over 25 times. I keep receiving the same emails over and over again to no avail after I submitted my verification documents. I have called them every day for 2 months straight and keep being told my situation can only be resolved through submiting required documents to verify my identity through email and they will escalate my issues to the Protection Team. They kept asking me to provide the Bank Statement verifying the transaction from XXXX XXXX with the account number ending in # but after I provided that they asked for the same information again.