23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

When I opened my account with TD Auto Finance Account # XXXX Upon doing that I put the account on Auto pay. All payments have concluded in a timely fashion without any hitch. The last payment for some reason did not debit automatically. I was not aware of any issues as soon as I was after trying to apply for a refinance. I made the payment immediately.. 
I would like to to resolve this easily without having to escalate the matter.
Product: Checking or savings account

Bancorp South has been charging me overdraft fees even though I had the funds in my account to cover all spending. I have been going back and forth with bancorp XXXX for 5 months. Two of the overdraft fees were refunded back to my account as a " courtesy '', but I was told they will not be refunding any more fees that they unlawfully took out of my account. 
Friday, XX/XX/2022, my direct deposit paycheck did not post. I called my branch, and I was told " there is a glitch in the system '', and I was told my direct deposit would post by that night. My direct deposit posted a little after XXXX. I woke up today, Saturday, XX/XX/2022, and my funds have been removed from my account. I am without food and gas, and I am out of town. 
The XXXX from all of this has triggered my XXXX XXXXXXXX, and now I am dealing with XXXX XXXX XXXX XXXX from the XXXX
Product: Mortgage

I have submitted 2 requests for research on my HAF payments not only to Ameris Bank but also to The HAF program to no avail. HAF states funds have been sent and unable to provide proof and Ameris Bank XXXX XXXX states no funds received. 
I personally made 2 deposits on XX/XX/XXXX when I was still able to do it through portal. I now do not have the ability to use portal any more due to being enrolled in the HAF program. I personally sent another check in on XX/XX/XXXX as I do not want to get behind check # XXXX. This check has to this date not cleared my bank. But when calling it was verified that Ameris BankXXXX has received it. No funds applied to my mortgage and not cleared. This is very concerning. Not only are the HAF unable to locate and/or applied but now my personal check either. Thank you for researching this matter. XXXX XXXX
Product: Debt collection

Jefferson capital/XXXX calls everyday and demands payment. I have told them that there is no money left to pay anything else they said they would send to legal to sue me. this started XX/XX/2021 in the amount of over {$1000.00},
Product: Bank account or service

wellsfargo bank made a cash advance to my checking account in XXXX of 2015, then they locked my account from me until XXXX of 2015 when I finally was able to get into my account when I noticed that they had made a {$10000.00} cash advance to my checking account which had a lot of interest charges applied to it. the bank said I would have to pay it all back before they would refund any money. I had to take money from another bank to pay back what I did not ask for ...
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a set of beds and mattresses at XXXX XXXX  in XXXX, XXXX. I used financing through Wells Fargo. I have made each and every payment on time, of {$190.00} a month. 
The initial purchase was for {$5000.00}. 
I checked my balance which was supposed to be around {$2000.00} left. I noticed a charge for {$900.00} in interest on the account. I called wells fargo and asked why I was charged this interest. They said it was because the promotion offered no interest if paid off within 18 months. 
I told them I did not recall agreeing to any deal of the sort, requested a copy of the original sale and finance documents. I told them I would repay the remaining balance in full, as of today, if they waived the interest charge which they said they would not do.
Product: Checking or savings account

I deposited a large check via BoA 's mobile banking app, and it is being held for a week. 

This is wrong, solely because the check is drawn on BoA. This means their protestations about wanting to verify the check are false, because the check is drawn on funds already deposited. 

I might have had the option of depositing the check in-person, but they have closed all the branches near me. The nearest one to me is in XXXX, XXXX miles from my home in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Whom It May Concern, On XX/XX/XXXX XXXX, I signed a contract for solar power with XXXX XXXX XXXX from an XXXX salesperson ( XXXX XXXX ) who came to my door. The salesperson presented very nice and seem very helpful, but he gave me a rushed timeline for a special program. I signed a loan contract through Solar Mosaic LLC via phone and on his tablet. As a single mom and XXXX English speaker, I did not understand everything in the contract, but trusted the salesperson and I signed it. After signing the contract, 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, the installation company, installed the panels on my roof but never came back to complete the system for use. System required MPU and never complete and never got a building permit for that. XXXX  failed to obtain building permits to have the Main Panel done so the project can get Permission from XXXX ( utility company ) to turn on. They stated that they are waiting for XXXX XXXX XXXX to provide them with some necessary calculations and that there was no estimated timeframe for completion. I called XXXX XXXX XXXX  and they informed me that they did not need additional calculations. They also informed me that they had not received the building permit or inspection certificate from XXXX. XXXX XXXX XXXX reached out to XXXX, via email, on XX/XX/2023, to request a building permit and inspection certificate, but did not hear back from them. XXXX XXXX XXXX also informed me that they did not need to do further calculations, as XXXX had stated previously to me. 

While the solar panels are installed, they are not commissioned ( generating electricity ). I am being charged monthly for the loan {$320.00} monthly From Solar Mosaic LLC started from XX/XX/2023 until now for the panels that are not generating electricity in addition to my regular XXXX XXXX XXXX bill. I have requested a stop payment and refund from all three companies until the solar panels are working. They agreed to reimburse me, however, I have not heard from them in three months. They have, however, continued to deduct money from my bank account each month. I found out from XXXX Customer Complaints with XXXX XXXX XXXX, 110 complaints closed in the last 12 months and 115 complaints closed in last 3 years with is the same issue that I got. 

This issue was hurting me and my family so much, as I am not a XXXX  English speaker and a low-income single mom who is taking care of myself, taking care of daughter who has XXXX and XXXX, as well as my mom who recently had XXXX XXXX. I had been working hard and paying taxes as great U.S. citizens do. I hope I can receive some help in order to get out from this situation with the scammers who are taking advantage of me and my family and all the deceived more than 200 families. I hope you can help us out to stop those companies from doing their fraud business. I am happy to share these scams that I have encountered, so that other families can be aware and be careful not to be deceived like me. 
Sincerely, XXXX XXXX XXXX ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You've violated the United States Code Law 15 U.S.C. S 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my consumer credit report, I noticed that your agency is in multiple violation and I'm entitle to monetary compensation under the FCRA 15 U.S. Code S 1681s-2 - 15 U.S.C. S 1681 ( C ) ( 1 ) ( A ) ( B ) ( i ) ( B ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer, ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is mot initiated by the consumer only if - ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer or credit or insurance ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person, a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FRCA 15 U.S. Code S 1681 ( n ) ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purposes, actual damages sustained ny the consumer as a result of the failure or {$1000.00}, whichever is greater, ( 2 ) such number of punitive damages as the court may allow..

I didn't initiate any of these inquiries, furthermore, if you feel like I did, please send me copies of my written signature given consent of this matter please. 

The items below should all be removed from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX. XXXX XXXX XXXX {$13000.00} XXXX. XXXX XXXX XXXX XXXX  XXXX {$80.00} XXXX. Auto Loan or Lease {$2500.00} Under the US Code 1681n ( b ) civil liability of the natural person, I've been violated. Also, we're already involved and sent this letter to the complaint board portal for the ( Consumer Financial Protection Bureau, State Attorney General 's Office, The Better Business Bureau, and The Federal Trade Commission ). 

Thanks for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Product: Payday loan, title loan, or personal loan

In XXXX, I had a sewer backup and the cost was high ; so my plumber applied for a loan for me with Redbrick Financial. I pay my bill on line and I receive a receipt plus my bank send me an alert when any monies is withdrawn. Reason being I have had my identity stolen twice and fir that reason I do not want any mail sent to my home. 

On XX/XX/2020, I received a confirmation of my payment in the mail ; however I had already receive the confirmation online for which I printed out. After receiving Redbrick mail I phone them on XX/XX/2020, and requested that I DID NOT want to receive any my because of privacy issues. My neighborhood has porch pirates and dumpster divers. Having my identity stolen was a lot to deal with and I DO NOT want to go through that again. All my other bills ( mortgage, car loan, credit cards, light, gas, water, insurance, sewage ) are sent through email so why can't Redbrick do the same, they have my email address! I very seldom receive mail except for junk mail. 
I WANT REDBRICK TO STOP SENDING MAIL TO MY HOME, REDBRICK BILLS ME THROUGH EMAIL. Their respond was NO, they will continue to send confirmation because it's the law in Iowa.
Product: Bank account or service

I have an HSA account with HSA Bank. On XXXX/XXXX/16, I submitted paperwork to close the account and transfer the balance to my new HSA account. I have an email from the person I sent the paperwork to confirming that they received it and forwarded it on to their operations for account closure on XXXX/XXXX/16. On XXXX/XXXX/16, I logged on to the account to see if the transfer was completed. I noticed I was charged a {$2.00} service fee for the cash portion of the account on XXXX/XXXX/16 I ( which seems acceptable considering the paperwork was just submitted that day ). However, I noticed I was also charged a {$2.00} fee on XXXX/XXXX/16 for the investment portion of the account ( which was never actually opened or invested when XXXX HSA transferred to HSA bank ). This charge came11 days after the account closure form was submitted and received by their operations. I understand if the transfer was not completed, but there should have been a control to turn off fees by this point. After seeing this fee, I called HSA bank on XXXX/XXXX/16, to see if something was wrong with the paper work. They told me they were behind and it should be closed soon. On XXXX/XXXX/16 I received an email from HSA bank asking that I contact HSA bank. I called that day and was told I had to provide verbal approval to close the account, which I did that day. I do n't understand why I had to provide verbal approval after clearly trying to close my account twice already. I logged on to my account XXXX/XXXX/16 to see if the account had been closed. It is still open and I noticed that I was charged another {$2.00} fee for the cash portion of the fee and I know that any day I would have been charged another {$2.00} fee for the investment portion. I called XXXX/XXXX/16 and asked why I am being charged fees 33 days after submitting account closure paperwork and why my account is still open 42 days after submitting account closure paperwork. They told me they are about 2 months behind on account closures. This means they are making {$2.00} to {$5.00} a month from who knows how many people that have attempted to close their accounts. This is n't even mentioning the fact that I have lost potential investment gains on the close to {$8000.00} that would be invested at my new HSA account if the money were transferred in a reasonable amount of time. They said they would make a note to stop charging me fees, but we will see what happens and how much longer I have to wait to get my money.
Product: Debt collection

On Tuesday, XX/XX/2018, I responded to a request of Trans World Systems Inc. ( TWSI ) for payment for this alleged debt of {$400.00}. 

I did not personally incur the debt. The debt was allegedly incurred by my adopted son, XXXX XXXX who was having some problems with the XXXX XXXX XXXX XXXX XXXX, and the said debt was forgiven by the Court, in XXXX County , Florida. 

On Tuesday, XX/XX/2018, I provided TWSI with proof that the debt was forgiven by the Court. At your request, I can provide you with the proof that I sent to TWSI. 

Once they received my response they were mandated by law, to refrain from contacting me again until they provided me with the proof that I was indebted to them. They did not. 

Now, 21 months later they have started contacting me again about the same debt. 

I submit, that when they failed to send me proof of my alleged indebtedness, they could no longer contact me about the said, alleged indebtedness. 

Also, they are also precluded from listing the debt on my credit report. 

I notified them, in writing, that I will be notifying the FTC of their attempt to resume collection of this alleged debt. 

And, if they had listed the alleged debt on my credit report, I demanded from them, that they remove it. 

Thank You. 

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

I recently checked to see if I was eligible for a new credit card through Chase since Ive had such a great experience. No where within the application screen did I sign an esign act consent or advise I obtained a credit score notice so there should not have been a hard inquiry on my credit report. I would like this removed as required by FCRA. The company made the page intentionally deceptive on mobile applications so that the consumer would not be aware what they were agreeing to. When I reached out to Chase to get this corrected, what I experienced certainly wasnt customer service. The agent advised they could not help and simply kept sending me links to articles. If I needed links to articles, I would go to XXXX. I asked for a supervisor callback and was advised they can not this. These big banks could care less about the people they make life harder for because they dont even make considerable profit from credit bureaus by generating these reports. Otherwise, why would they not make the experience more streamlined for their customers?
Product: Mortgage

Fast history on me. My mortgage is current and has n't been in default for some time now. My property taxes are current. My property insurance is current. My original lender was XXXX XXXX XXXX. Several years back when the economy crashed, my wife 's employer abruptly discontinued their weekend package pay. At the same time, my employer eliminated our department bonuses. This hit us extremely hard and we were unable to pay our property taxes. XXXX stepped in and paid those for us ( {$7500.00} ) because our loan did n't include escrow payments for property taxes. They told us that amount would be interest free and just added to the end of the loan, which they honored. Last year our mortgage was sold to XXXX XXXX XXXX. They told me they would not be pursuing collection of this amount due to my original arrangement with XXXX. Then once again, my mortgage was sold to Select Portfolio Servicing ( SPS ). I 've made several payments to them, on time and in full, but I 'm guessing since I 'm making my payments on time, they are attempting to collect that {$7500.00} in hopes I ca n't afford it and then they can foreclose. Let 's all be realistic and honest here, there 's no other reason for them to be taking this action. I CA N'T control my mortgage being sold. As a homeowner, I have no options to say, no. From everything I 've read online about my rights during a mortgage transfer and based upon what XXXX told me, I do n't believe they have the right to pursue collecting this money right now. The original arrangement was to pay it by the end of the loan. I spoke with XXXX XXXX at SPS on XXXX17 at XXXX XXXX CST. She informed me she would put in a request to try and move the collection to a 60 month term, but that does n't change the fact that I do n't understand how they can pursue this money when my original lender and even the second one both told me it would be kept at the end of the loan. I made an arrangement in good faith and I 've kept my end of the deal by making my payments on time and keeping my property taxes current. SPS should do the same.
Product: Credit card

I scheduled a one time payment to pay the account in full one day prior to the due date two weeks in advance. USAA took two additional payments for the same amount two days prior to the due date and on the due date itself ( confirmed by USAA phone representative XXXX XXXX. Closed the account due. However, USAA was unable to return the credit.
Product: Credit reporting or other personal consumer reports

I found the complaint with XXXX XXXX XXXX XXXX XXXX, Equifax, credit viewer, and XXXX credit bureau and none of these items were removed from my credit report and its been over 30 days. Its been over 45 days and these items are still being investigate investigated on my credit report, I can prove credit fraud and credit identity theft that these items were not mine. Theyre still on my credit report and the investigation took over 30 days and 45 days so why cant you remove these things off my credit report according to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both XXXX XXXX and Experian, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at XXXX XXXX to review and/or sign.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00}
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX some how when I was sick stoled my card and took out XXXX dollars and the part I tried explain to upgrade which they agreed I never even come close to that amount at one time and they did find that suspicious especially since it went through cash app which then puts her name on cash app and on their account, and they still didnt see that suspicious, any they said if i didnt heat from them 10 business days they would credit my accunt, they didnt, i call them and a man answered and said this he never saw thet done nothing mo credit no update no notes he said he going leave note put me credits this wasvon the tenth busines day i wrote the dispute ob the XX/XX/XXXX, so todsy i havnt heard then the woman said they denied me cause was longer 120 days thst was lie she read letter she said sent my home well i hung up and called back talked another woman 's she said mo it hadnt been 120 days they denied ir cause the merchant denied wrong doing but it plain to see that not my name they giving me diffent reasons they denied, thet let someonec steal my money and never took that much oyt out and not my name ans didnt find that suspicious