23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello, I took a loan from Stilt Inc. a few months back. After the loan approval, I opened their Stilt Checking account as they said Ill get 5 % cash-back if I pay loan payments with their checking account. It worked fine for two months. After that i dont know what happened. Stilt checking account suddenly got closed with my money in it around XX/XX/XXXX. It asked me to upload all the documents again like XXXX ID, SSN, etc ... I uploaded it and still, I wasnt able to access it. I contacted Stilt customer care on XX/XX/XXXX and told them the issue. They said theyll look into it. I followed up with them every week through email or phone calls and they say the same thing every week that they escalated the issue to the higher department, other than that theres no help from them. The money to pay for the loan is in that checking account. Im 10 days past the due date and I was fined for late fees and it's gon na report on my credit score that I havent paid my monthly payments. I need help. Please.
Product: Bank account or service

I wanted to close XXXX Bank of America IRAs ( with all funds in a money market account ) and transfer the funds to a XXXX account. According to XXXX, rather than a notarized signature, Bank of America required a " medallion signature guarantee '' in order to transfer the funds. As I understand it, this is a specialized service that should only be required for complicated securities transactions. However, Bank of America requires it for all IRA transactions, even though in my case the entire balance was held in a money market fund. Moreover, Bank of America does not provide this service at its own branches. Some other banks do offer this service, but only to their own retail customers. Luckily, after an afternoon of trying every bank in town, the bank that owns our mortgage agreed to provide the " medallion signature guarantee. '' This seems like an unnecessary barrier erected by Bank of America that makes it harder for customers to leave.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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
Product: Credit card

My Barclays card was charged off last year. I paid the balance of XXXX and some change on XX/XX/XXXX and requested a balance statement to send to my Mortgage XXXX as I am in the process of purchasing a home. I have spent more than XXXX hours on the phone. I have been told they can't email the letter and they can't mail it as the address on file is not the correct address. I was transferred and told the same thing. Then I was told my account is closed and they can not discuss my account. I called their complaint line on XX/XX/XXXX and the gentleman changed my address and said the letter would be sent to me. I received the letter today. It had XXXX pages. First page says enclosed find the requested statement reprint and in the future access this online. The second page does not have any balance info. So I called and was told they sent the letter to me 4 times. I have received this letter and XXXX other that wasn't a balance statement either but rather that they could not do what I requested. Today I asked for temporary online access and they said they can not provide that to me. This current employee keeps telling me they sent me the letter and i keep saying if you did, it has not arrived. I have deadlines to get this letter to get my credit score recalculated. She keeps coming back to the phone telling me the account has been closed since XXXX. I keep asking for a supervisor. I need to actually receive in had a statement balance for this account that I paid off nearly a month ago and would like to not be given the run around. I am beyond frustrated. I realize it is my fault for not being responsible and paying it when it was due but I have since made the call and paid the balance in full. I need assistance please.
Product: Vehicle loan or lease

Around XX/XX/XXXX, I, XXXX XXXX, took possession of XXXX XXXX XXXX XXXX from the XXXX Dealer in XXXX XXXX XXXX. XXXX dealership peacefully and willingly allowed XXXX XXXX to take possession and use this property and there are no known claims to the contrary. 
I, XXXX XXXX, from the inception of this consumer credit transaction and the only natural person with any firsthand knowledge of the facts of this case can attest to the fact that Suncoast credit union indeed did violate a large number of consumer credit laws found under 15 USC Chapter 41, and will attest here and now to all of the following : Fact, I was never given a a proper form for rescission of the contract ; Fact, I was never told that I had a right to rescind the contract ; Fact, I was never given rescission forms required under 15 USC 1635 together with a statement containing the material disclosures required under that subchapter ; Fact, I gave them payment in full and it was rejected without cause or reason and not returned. 
Fact, that the car was repoed by them after the final payment was made and they then charged me XXXX US Dollars to get it back after the tow company informed me that they only charged XXXX for the tow. 
Fact, Suncoast Credit Union had language in the contract that had me waving rights which is a violation of 15 USC 1693I Fact, I did not waive any rights with full knowledge of doing so and with clear and conspicuous language that they used to tell me that I was waiving a right.
Product: Checking or savings account

Have additional information pertaining to complaint XXXX i had contacted see XXXX and hey said capital one was responsible not them i called back capital one and they said the claim was denied but they maybe able to do somthing in 5 days today i called back capital one pertaining to the account that had to be moved to another account so additional fraud would not be done to the account ending in XXXX and which i was getting .1.50 interest and after this fraud now the bank under the circumstances is penalizing me give me a 1.0 percent rate and today noticed its XXXX this is terrable bad enough a crime was committed and they are showing a no care attitude towards me as a customer, I like this bank a lot and never had a problem in the past until now when I spoke to supervisor XXXX when I was explaining my situation felt he was disrespectful and was talking over me and not allowing me to talk and this is a supervisor can somone please help me with this situation I feel very bad this fraud situation took place but the experiance in the bank is making things worse
Product: Checking or savings account

On XX/XX/2024 Wells Fargo abruptly and erroneously closed my business checking and savings account and transfer the funds out of both accounts into their own. 

I visited my local branch several times and they could not help me and suggested I go online to resolve my issue. I have gone online and filed multiple complaints and called several customer service numbers to lodge a Presidential Compliant '' with the bank.

Every person I have spoken to informs me that they will escalated the situation and a case manager will contact me. I am then assigned a case number to my complaint. 

As of this writing, XX/XX/2024, I have numerous case numbers and the funds from my account have all but disappeared. No one from the bank has an explanation. 

This action taken by Wells Fargo has put my company in jeopardy. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and we received payment for our services via ACH | EFT transactions from the federal, state and private insurance companies. In the past week, we have lost thousands and thousand  of dollars in payments and vendor and payroll checks are unable to clear. 

They have effectively defunded my company and put my staff at risk of losing their jobs and security.
Product: Mortgage

My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. 

The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.
Product: Debt collection

Recently, a debt was added to my credit report. Upon noticing this, I immediately contacted Transworld Systems via phone and email to address the matter. Unfortunately, I was hung up on twice. When I was finally able to speak with someone, I was informed that they had mailed me certification of this debt and that I should already have it.

I explained that I have moved states twice in the past two years due to workonce to XXXX and later to XXXXand if the certification was sent to those addresses, I never received it. Despite this, the representative continued to harass me and used threatening language, including stating that they would sue me, in an apparent attempt to coerce me into making a payment. 

I reiterated that I require proper certification of this debt before proceeding, yet I have not been provided with the necessary documentation.
Product: Checking or savings account

I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.
Product: Student loan

I attended XXXX University in XXXX Florida. They called me several times and pursued me to attend classes. I believe they preyed upon a person who did not know what to do. They had me sign all these documents without explaining that it was going to cost me {$24000.00} for a few XXXX classes since I already had an XXXX degree from XXXX XXXX College. I believe this University is a scam and is overcharging students while engaging in predatory practices to get them to enroll. please help.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 card or prepaid card

Subject : Appeal for Debit Card Dispute - XXXX XXXX XXXXXXXX Dear Navy Federal Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed debit card transaction made through my Navy Federal account. The transaction in question is related to a charge from XXXX XXXX XXXX in the amount of {$540.00}. 

To provide you with an overview, I filed a claim against this transaction as I never received my router that I ordered from XXXX. However, I recently received notification that my claim has been denied. The reason provided was that no error was found, and Navy Federal is unable to process the claim in my favor. The response also suggested seeking resolution directly with the merchant. 

While I understand the outcome of the investigation, I firmly believe that there has been a misunderstanding or oversight in this case. I have made multiple attempts to resolve the issue directly with the merchant, but unfortunately, I have not received a satisfactory response or resolution. 

I kindly request your assistance in reevaluating my case and reconsidering the denial of my claim. I have attached all relevant documentation, including proof of purchase, communication attempts with the merchant, and any other supporting evidence that may aid in the investigation. 

As a valued customer of Navy Federal, I have always trusted in the integrity and fairness of your dispute resolution process. I kindly request that you review my case once again, taking into consideration the evidence provided. I believe that a thorough reevaluation will reveal the validity of my claim and the need for further action. 

I understand that Navy Federal is committed to providing excellent customer service and ensuring customer satisfaction. I have been a loyal customer for a significant period of time, and I trust that you will give due consideration to my appeal. 

I kindly request that you initiate a comprehensive review of this matter and take appropriate action to overturn the previous decision. This may involve revisiting the evidence provided, contacting the merchant on my behalf, or any other necessary steps to ensure a fair and just resolution. 

I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute. 

Thank you for your understanding and assistance. 

Sincerely,
Product: Checking or savings account

I initiated a loan payment as an ACH transaction on my lender 's site, debiting from my SoFi Money account. The payment debited my account a few days later. 

I received a follow-up email from my lender that the payment was returned, and assessing me a fee. The payment was still debited from my SoFi Money account. 

I attempted to resolve this with the lender, and they were insistent that they received a payment returned for " No Account / Unable to locate account '' and to contact my bank. 

I called SoFi only to be told that they didn't return the payment, my lender is wrong. The only " assistance '' I could get from SoFi was being told I used the wrong routing number. I verified the routing number used on the payment was the correct one, and they had no further help or ideas. 

No one will help to try and resolve this. SoFi has stolen over {$1000.00} from me.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I contacted my bank, USAA after receiving an e-mail and text message from them about possible fraud on my checking account. Upon contact, they told me that a new debit card was requested using my cell phone the prior evening. I told them I did not make such a request and my phone was never out of my possession. I understood there would be a three-day waiting period while USAA conducted an investigation. It's now over a week. 

I've called 3-4 more times between then and now and can not get the account unlocked to make payments I need to make, including mortgage, auto insurance, auto loan, and credit card. This is my money! These are all regular monthly payments that do not change, these do not even hint of fraud. People at USAA are polite, but are part of a bigger bureaucracy that makes no attempt to solve this problem with me and only tells me that they're filing requests to end this. At least give me a date when this will be over, but they don't even do that. 

USAA won't pay for my late fees, much less any of my bills. I'm one customer and I realise they can easily afford to lose me, but I truly thought this is a much better company than I've experienced.
Product: Bank account or service

I have a Online checking account with State Farm Bank. They have no " brick and mortar '' facilities. My deposits are done remotely by scanning the check for deposit using a State Farm app. The Bank acknowledges receipt of the deposit immediately, but it is not considered a deposit until I receive an email notification that the check has been " approved and processed ''. My most recent check for deposit in the amount of {$5500.00} was acknowledged by such an email on XXXX/XXXX/2015 at XXXX. My online State Farm check ledger shows a deposit on XXXX and a new account balance reflecting the deposited {$5500.00}. However, according to State Farm policy only {$500.00} of that check was actually posted internally as a credit to my account balance. The following day, XXXX, the bank paid checks from my account as previously requested online and also received a paper check for payment. The Bank states that at the close of the day on XXXX my account was overdrawn by approximately {$550.00}, since {$5000.00} of the deposited check was internally not credited to my account. The overdraw of the account triggered a State Farm credit card overdraft protection transfer of {$600.00} on XXXX. The credit card fee charge for this transfer was {$24.00}. The checking account charge to receive this transfer was {$3.00}. The Bank states that the balance of my deposited check in the amount of {$500.00} was credited to my checking account balance internally the following day, on XXXX. I believe the Bank misrepresented my online ledger account balance and misrepresented holding back internally {$5000.00} of deposited funds when the Bank notified me by email on XXXX that " This message confirms your deposit of {$5500.00} has been approved and processed ''. Therefore the credit card transfer was unnecessary and the charges against my accounts were wrongful.
Product: Credit card or prepaid card

I have made multiple payments to this bank. I have been charged {$41.00} from XX/XX/2022 through present. That is {$41.00}. XXXX XXXX XXXXXXXX XXXX. In XX/XX/2022, there was a {$29.00} late fee but from the remaining months it was increased to {$41.00} each month. I was told each time I made a payment I was charged {$41.00} because they have a cut off of XXXX, which i feel is very illegal. This company should not be able to make rules that negatively affect the consumer. I had no way of knowing if I make payments after XXXX, I am charged {$41.00} each time. Very poor business practices. I have also been told my payments are due on the XXXX of each month which was false information. My payments should have been made on the XXXX before XXXX. Also this bank is price gouging in the amount of {$41.00} for late fees and also charging the same amount of {$41.00} for not making full payment. It is against the law during a pandemic to charge excessive fees. I have asked for a manager on multiple times and I have asked at least 3 times to have these fees reversed and they keep telling me its not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Key
Product: Mortgage

There was a previous complaint filed as follows, and a new problem with a double payment to the XXXX County Tax Office : 1 Previously, " AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/XXXX. The escrow was paid out by AmeriHome Mortgage, XXXX XXXX XXXX on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. This problem is causing undue hardship toward myself and is unnecessary and unreasonable. AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX '' 2. Update : I was promised on XX/XX/XXXX by an Amerihome representative XXXX ( a very polite and nice lady ) that a new check for {$2400.00} would be sent the next day via overnight mail with a tracking number. That never happened and was informed much later on XX/XX/XXXX that it was put into the regular, non-trackable, unsecured mail by accident. Amerihome has a questionable record with checks getting lost in the mail, but now I'm expected to wait patiently for 5-7 business days, to see if it gets lost in the mail again. 

3. Via XXXX County Tax Office, it is reported that Amerihome actually made a tax payment of {$6400.00} when there was a {$0.00} balance. There was a {$0.00} balance because XXXX XXXX XXXX made a payment on XX/XX/XXXX, almost a month prior. I informed the Amerihome Rep. XXXX of this situation. XXXX looked into it and left me a voicemail on XX/XX/XXXX. Incorrectly, XXXX said {$6400.00} was refunded to another Escrow company XXXX XXXX. After viewing the tax report and verifying with the XXXX County Tax Office, the money {$6400.00} was refunded to Amerihome XXXX XXXX XXXX, and somehow they don't know that. 

4. There is a clear disconnect with Amerihome and I'm requesting outside intervention, with regard to the escrow balance of {$2400.00}, and the double payment to XXXX County for {$6400.00}. 

Thank you, XXXX XXXX, XXXX