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

I have spent hours trying to resolve an issue with my business account at Santander Bank. I have talked to several corporate professionals and each of them have passed my complaint along without giving me the information I am owed as a consumer. On XX/XX/XXXX, I received a letter from XXXX XXXX as a response to my memo to the corporate office on XX/XX/XXXX bringing closure to the case without answering my initial complaint. <P/>In summary, someone changed the address of my business account without my permission. My initial inquiry as to why I could not access my account led to the Bank professional in the office I first opened out the account suggesting I may have changed it and forgotten. I am outraged. <P/>The bank has informed me that they have no idea how this occurred, can not locate the signature card someone filled out to change my address, can not locate the teller or bank professional who made this change and have offered me XXXX Credit for one year. I am already a member of XXXX XXXX. I find this unacceptable. <P/>I deserve to know how this change was made, who made the change and the bank has an obligation to protect my account and not allow such a change to be made without any accountability of safeguards in place to trace such a change. I have been told those records are only kept for several years and they have no way of tracing such a change. I am certain if I went to court and the record was subpoena they would produce the computer generated information. Clearly, fraud has been attempted and I think it is internal to the bank. This is not the first time my account was compromised and I want a real answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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.
Product: Credit reporting or other personal consumer reports

I was in the process of closing a business account which caused my Wells Fargo truck payment to be declined. I received a phone call on XX/XX/XXXX and was told my account was late. I informed the supposed wells fargo employee that I would make the payment shortly after I corrected my bank account information. She pressured me to pay over the phone, however, I refused due to the number of scammers that are allowed to function in society today. She pressured and I refused. Apparently, this conversation didn't sit well with this person as i believe she sabotaged my account going forward, due to the following XXXX issues with my account : XXXX. I stopped receiving phone calls from Wells Fargo regarding my account. 
XXXX. I stopped receiving emails from Wells Fargo regarding my account. 
XXXX. The new account I set up for recurring payments ( I had to do deposit verifications for this account, so the account IS LINKED, ) however, my recurring payments that I setup apparently got cancelled somehow. I went back into my account to try to resetup the recurring payments but the website will not allow it ( attached ) which is even more indication that my account was tampered with. 

Due to the lack of notifications from Wells Fargo and the mystery cancellation of my new recurring payments, I received a 30 day late. This was the only notification that my account was past due. I have perfect credit and no lates on my credit report other than this one. 

I received the 30 late notification on XX/XX/XXXX from XXXX and I immediately called customer service but they could do nothing about it, so they opened an executive request. I received a call back from someone a week later. She was prepared to tell me something but apparently had no information regardng the problem. I informed her of the issues surrounding this account and she said they would get back with me. They never did. 

I have since paid off the {$60000.00} truck loan as I can no longer trust doing business with Wells Fargo due to this issue and their lack of concern for it. They apparently think I'm just another person who does not pay their bills which is obviously not the case here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times Direct loan svc system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately
Product: Debt collection

In 2008 I got behind on mortgage. After a long time XXXX XXXX foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. XXXX XXXX is coming after me for the difference.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted the bank in regards to loans XXXX, XXXX, XXXX and XXXX all which had foreclosed due to a mixture of inaccurate information and income problems due to XXXX. I reached an agreement to settle all XXXX accounts at 25 % of the balance at that date. 
XXXX XXXX amt on XX/XX/XXXX XXXX {$11000.00} XXXX {$8600.00} XXXX {$17000.00} XXXX {$19000.00} Totals {$57000.00} The company went on to again provide XXXX. Inaccurate calculations of the amount due XXXX. On more than XXXX occasions I was advised that the accounts were paid in full XXXX. Advised that this will be updated on my credit report within 30 days, it has passed XXXX XXXX days and still there. 
XXXX. I have disputed it on my credit report on XX/XX/XXXX and the company has again inaccurately validated that the full amounts are correct. 
XXXX. I have even disputed it here only to have the representative ignore the valid information I emailed her and then be provided a response advising of a 40 % settlement which is both Inaccurate in calculation and statement. 
I have provided copies of the inaccurate calculations for your reference and also a copy of the last response Loan Original 25 % Settlement Discover Calculated XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX Totals {$57000.00} XXXX XXXX XXXX To date I have paid discover all of the monies that we agreed upon and have confirmed on many occasions that it was settled. 
In addition I reviewed the statements on this account from origination and it shows the initial date of delinquency XX/XX/XXXX at which point I was charged late fees of {$15.00}. 
These accounts should be settled and as a result of the first date of delinquency being past 7 years these accounts should no longer be on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It started on XX/XX/XXXX around XXXX am. I started receiving text messages claiming to be for my mother, XXXX XXXX. I sent a screenshot to her asking if she knew about it and she said she got the same one but neither XXXX of us has any bills that have gone into collections so she just deleted and junked the message. It happened again on XX/XX/XXXX around XXXX am this time addressed to my father, XXXX XXXX. I sent him a text message letting him know. It should be noted that I do not live with my parents and they are about XXXX miles away from my residence. Today, XX/XX/XXXX, it happened around XXXX pm. I quickly deleted and reported the message as junk. No more than an hour later I received almost the exact same message at XXXX pm. Every time there is a different AGENCY ID # and it has gotten excessive. The company that claims to be contacting me is XXXX XXXX XXXX XXXX located in XXXX, XXXX. It is a legit company but I do not believe it is the legit company reaching out to me. I have never worked with them or have ever entered the state of Minnesota.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I paid XXXX dollars to what I thought was a main XXXX breeder. I signed a contract and have about 40 emails with them about how the process works. I paid through chase and I was told that if I pay through chase and do not get the cat I will get my money back and they will dispute it for me. And today I found out ( XX/XX/2020 ) that I will not get my money back through chase. That I have to file complaints and hopefully you guys will find them and shut down their website. Chase said there was nothing to do even though it is through chase and bank accounts are set up on chase. I want my money back and expected chase to help me when they said they would, and they said that before I paid the XXXX dollars to the scammers.
Product: Mortgage

After my, the co-borrower on the loan, passed away I couldn't afford to keep the up the maintenance on the house and pay all the bills. I eventually fell behind and the house condition got worse and worse. I applied for a short sale in XX/XX/XXXX and submitted an offer that same month. My authorized third party has submitted the same documentation over and over and still the servicer continues to ask for the same things over and over again. A couple months after I was under review for a short sale, the servicer hired an attorney and filed a foreclosure complaint. I applied for the short sale long before a law suit was ever even filed. The offer that was submitted was rejected so the buyer came in at full price based on the XXXX performed by servicer. Still, they continue to reject for the same reason over and over again. My authorized third party has been on the phone for hours with representatives and supervisors trying to get this resolved. Everytime she calls she is told to send something else in that has already been sent but it is still rejected. The house continues to get worse and worse the longer this drags out. My son and I were forced to move out of the property because of the condition and now because the servicer has taken so long, they say that I am not eligible for any relocation assistance because I no longer live there. Had they reviewed the complete package and accepted the full price offer instead of going round and round for almost a year I would have been eligible for the assistance which I desperately need. The foreclosure was filed in XX/XX/XXXX and by that time I had already been forced to go part time because of COVID so that my son could do distance learning. My credit is so much worse than it would have been because now I have 6-8 more missed payments than I should. What they are doing and have done is predatory and wrong. I have complied with every single request for documentation and I don't know what else to do to get out of this situation, and I feel like they are forcing me into foreclosure which is the last thing I want. There is now another sale date set for the property which XX/XX/XXXX. The first one was set in XXXX and we got that postponed in hopes that this would get resolved, which unfortunately I really don't see happening at this point.
Product: Debt collection

XXXX XXXX keeps sending letters from several different collection agencies after several attempts by my attorney to report this as a dispute of validity of debt. Despite repeated requests to have correspondence go through my attorney, all communications are still being sent to me directly. No one from XXXX XXXX the original creditor ) has made any attempt to solve this matter.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
Product: Credit card

I recently signed up for an American Express card. I have a screenshot of the details of the offer which was receive XXXX membership rewards points after making {$3000.00} in purchases in the first 3 months. I spent over {$4000.00} in less than 3 months and AMEX will not release my membership rewards points. They 've informed me multiple times over the phone that there is a 8 week holding period before these points are released, despite saying nothing about this in the terms and conditions. Today is the end of that eight weeks and they are still holding my points. This feels like false advertising to me. I 'd like to open a complaint against AMEX.
Product: Money transfer, virtual currency, or money service

I'm hoping I am in the right place. On XX/XX/2021, I sent my niece {$200.00} via PayPal as a wedding gift. My niece never received it. After looking, it appears i misspelled email address. She uses her college email address and i put a ". '' between her first and last name when no ". '' was needed. Email address i sent to is not a working email address. I tried sending a test email to it and it came back as undeliverable almost immediately. I have contacted PayPal a couple of times and they tell me to contact my debit card issuer as that was where money was withdrawn from. I contacted my debit card issuer, XXXX XXXX XXXX, and they said that should an issue for Paypal to resolve, which I agree with. I have received absolutely no help from Paypal. I get the same canned message from their support team
Product: Credit reporting or other personal consumer reports

I am reaching out once again to address the items previously highlighted in the complaint dated XX/XX/2023, categorized under each specified bureau. I urge you to expeditiously eradicate these entries from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). The following items are identified for removal under each bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX  ) XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance Owed : {$6400.00} TRANSUNION  : XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX  XXXX  XX/XX/2023
Product: Mortgage

My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, XXXX XXXX has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority.

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some agency called XXXX  XXXX  XXXX  is attempting to collect a debt from XXXX, 2021 for a company called Loan By Phone. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.
Product: Credit card or prepaid card

This is a complaint for actions in violation of FTC Section 5, specifically as it related to unfair or deceptive acts or practices in or affecting commerce. '' It further violates The Dodd-Frank Wall Street Reform and Consumer Protection Act with " abusive '' acts designed to takes unreasonable advantage of the consumers inability to protect his or her own interests when selecting or using a financial product or service. 

US Bank closed my account ( ending in XXXX ) for their stated reason of believing that I fell victim to a credit card scam. After a phone call to them to inform them that that was assuredly not the case, they seemingly weren't interested that I wasn't actually the victim of a scam and kept the account closed. It is therefore my belief that US Bank closed my account for some other stated reason that had nothing to do with the safety of my account - the information they provided me was misleading. 

In addition to the closing of the account in concern ( ending in XXXX ), they also closed my account ending in XXXX. 

While US Bank has the prerogative to close my account, in the process of closing the account, they refused to return the {$400.00} annual fee on account ending in XXXX ( which had been paid just 60 days previous ), the {$49.00} annual fee on the account ending in XXXX, and confiscated more than {$2000.00} in reward points across both accounts. They do not own the prerogative to confiscate money paid to them for services not rendered, nor do they own the prerogative to confiscate promised rewards which were obtained at cost to the consumer and which profited the bank. 

It's evident that US Bank baited me with a premium product and then inexplicably closed my account, taking my money and points without recourse or compensation. They were the beneficiaries of having an additional cardholder, receiving money in the form of an annual fee, credit card processing fees, and confiscation of rewards, while not providing any of the benefits promised to me. 

At best this is a case of mistaken conclusions, handled poorly by a lending analyst. At worst, this is a case of blatant disregard of the laws contained in the Federal Trade Commission Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.