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

Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  T:XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX  Fax : XXXXXX/XX/XXXX COMPLAINT BY DECLARATION RECEIPIENTS : NEW YORK STATE DEPARTMENT OF CONSUMER AFFAIRS ; SANTANDER BANK N.A. XXXX XXXX XXXX XXXX, PA XXXX ATTENTION NEW YORK STATE ATTORNEY GENERAL, XX/XX/XXXX SANTANDERS BANK N.A. was notified for UNAUTHORIZED USE of my debit card transactions by an unknown person ( s ) using an ALIAS XXXX  account. Under article 15 U.S.C Sect. 1602 ( 0 ). Objections were made ; significant evidence was produced and entertained by the authorized Bank Managers, located XXXX XXXX XXXX XXXX, NY XXXX as instructed by the Bank Investigative authorities. I, Mr. XXXX XXXX  derived no benefits from these transactions, nor do Mr. XXXX XXXX hold or ever has owned a XXXX  ACCOUNT.

Attached are the exhibits disclosing fraudulent activity SANTANDERS BANK refused to acknowledge and complete a full investigation. SANTANDERS unfairly placed derogatory credit reports on my SOCIAL SECURITY number thereby obstructing my CIVIL RIGHTS to obtain another Bank account from a more reputable banking provider.

SANTANDERS never authenticated any of these transactions before or after the accounts were initiated.

Fraud minimization was never implemented ; allowing electronic funds transfer without notifying their client of irregular activities on the account.

The Bank refused to review the 100 of pages of evidence submitted as proof fraud, signed affidavits, and multiple written reports.

Exhibit II : Second complaint is incorporated and attached stating the unauthorized theft of monies from the account by Attorney XXXX XXXX, Esq.

Always faithful, Mr. XXXX XXXX, VETERAN XXXX Enclosure
Product: Mortgage

! I 'm a XXXX XXXX XXXX home owner..I got my year end statement of escrow..its overage is XXXX. I asked for full refund! They will only credit my account XXXX\month for one year $ ( XXXX ) keep the {$700.00}??? Can I get my overage refunded? I need me money back.. 
I have written several requests for my refund. I am being denied even tho they admitted to this issue..and choose not to refund my overage. I am very frustrated as they told me my mortgage will be in foreclosure if I refuse to pay since I 'm in overage ... I was just going to apply that overage credit it to my monthly payments until it 's absorbed.. 
They refuse to do either ... I need my refund escrow overage. They are trying to keep it..control it ..and refuse a refund.
Product: Credit card

In a Chase bank office in XXXX, Illinois I encountered Bait and Switch advice from a bank representative in a small office. She talked me into dropping my XXXX card valid through XXXX, 2016 which gave me unlimited use of the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) for {$100.00} per year. My membership card is in my possession. Very soon after that meeting the fee went up to {$500.00} per year. She strongly urged me to switch to a Chase Sapphire card which was free, but no longer associated with XXXX XXXX. This was clearly a Bait and Switch tactic. Now I have a validly dated card but can not use it.
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 confidentially under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX KY ) Account # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX  Account # : XXXX 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 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 or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

i noticed continued same banks inquiry fro XXXX XXXX XXXX XXXX, and again on XXXXXXXX XXXXXXXX, and again oXXXX XXXX XXXX, and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove
Product: Money transfer, virtual currency, or money service

" We have  XXXX  business accounts (  XXXX  XXXX  XXXX ,  XXXX  XXXX  XXXX  ) with  Paypal. Paypal ove r-drafted my  XXXX  XXXX  XXXX  account by - {$490.00} because my  XXXX   XXXX  reported suspicious use by my random  XXXX  charge for a ride I randomly got in  XXXX   XXXX  ( where I communicated with my  XXXX   XXXX  that same day that all charges made and pending were all mine and there was no reason cause for concern ). Becuase of this, paypals " system '' automatically charged back  XXXX  previously made transfers of {$300.00}, {$100.00} & {$100.00} that I transferred from my  XXXX  XXXX  XXXX  ( which is attached to my verified  XXXX   XXXX  account  ) to  my  XXXX  XXXX  XXXX  resulting in this - {$490.00}. I 've called to resolve with paypal they keep placing blame on  XXXX    XXXX   whereas I show in my  XXXX   XXXX  statements that Paypal got paid the {$500.00} AND I called to confirm with  XXXX   XXXX  that there was no open charge back cases and they confirmed there are no open cases at all for me. I call paypal pack because we had a client pay us through  XXXX  XXXX  XXXX  and paypal 's  XXXX   XXXX   XXXX  confirmed they will not give us access to our funds for at least 80 days because " there 's an open charge back case '' that  XXXX   XXXX  needs to resolve for them. So not only is paypal ripping us off and in both accounts but they 're also effecting are ability to receive funds active or pending to be able to pay our own selves, furthermore causing us to loose clients. ''
Product: Prepaid card

I had lost my Way2Go card from New York State so I called and canceled the card and ordered a new one and they said standard delivery fee there be no charge but for expedited there might be a charge I chose expedited, thinking that they would let me know what the charge was before I made the decision, but once I chose that option, they just sent it out and I noticed {$18.00} was taken out of my account. I wouldve never expedited that card had I known there was almost a {$20.00} fee for that! I dont even get money into my account for another three days so that other card wouldve been here in plenty of time with no charge. I would like my {$18.00} refunded. I think when people choose that option they should be letting them know how much the fee is.
Product: Credit card or prepaid card

I filed a dispute about a product I purchased with XXXXXXXX XXXX XXXX company. It was the wrong product so I spent XXXX to send it back. The purchase was for XXXX. Capitalone still paid the vendor and refused my dispute even though I returned the merchandise to the vendor. I sent them all the paperwork and they still would not get rid of the charge. As a result I closed both my credit cards with Capitalone. I have had those cards and paid them thousands of dollars in interest and they lost a customer over a XXXX dispute. I called them several times to no avail. So they lost me for life. I will never do business with them again
Product: Credit reporting

This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now XXXX and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. Supervisor XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.
Product: Mortgage

Ditech the loan servicing company sent me a letter stating my mortgage payment had changed to a lesser amount. I in turn changed my payment amount according to the letter I received. Ditech told me the letter stated I change the payment on XX/XX/XXXX. I called to verify the correct starting date and understood it to be XX/XX/XXXX. I received a notice that my credit score had changed because Ditech had reported a late payment. Also I got charged a late fee. I requested Ditech to resend me the letter stating the payment terms. I have n't received the letter. I received a Email stating the issue has been resolved but in fact they are still charging me the late fee and reporting late payment. The amount I sent to Ditech covers my mortgage payment. the extra amount goes into an escrow account for my property taxes which is an elective amount at my discretion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that First tech FCU is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with First Tech as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree
Product: Credit card or prepaid card

On XX/XX/2023 I made a purchase from XXXX XXXX in the amount of XXXX $ online. XXXX XXXX did not have the product but had charged my Vanilla Visa gift card. XXXX XXXX Issued me a refund, Vanilla Visa Gift card has never honored that refund or given me my money back. 

XXXX I ordered from XXXX XXXX XXXX XXXX glasses cleaner. The eye glasses cleaner smudged my glasses and left a residue so I returned the cleaner to XXXX XXXX who issued me a refund to my Vanilla Visa Gift card of XXXX XXXX Vanilla Visa Gift card never re applied this money to my balance. 

On XX/XX/2023 I purchased a dress and some flip flops from XXXX XXXX for the price of XXXX I was charged this but the store realized they did not have the product. It was again an online purchase, XXXX XXXX assured me repeatedly that they had done an instant return to my Vanilla Visa Gift card and the money should be back on my card. Vanilla Visa Gift Card did not give me my money back. 

I have called the Vanilla Visa Gift card customer care hotline :XXXX dozens and dozens of times trying to get through. No one ever answers no matter how long one is on hold and I have been on hold for literally hours altogether. This past week I wrote Vanilla Visa Gift Card customer care a letter addressed to : Vanilla Gift Cards XXXX XXXX XXXX XXXX, GA XXXX I have gotten no response. I am writing this letter with the complaint that Vanilla Visa Gift Cards is keeping money owed to me on transacrtions that involve refunds to my account. I feel this is fraudulent and illegal. I am asking for your help to resolve the issue. Please help me as I feel like I have done everything I can to solve this problem. I thank you in advance for any help that you can give, Once again Vanilla Visa Gift card is in debt to me for XXXX {$8.00} $ and XXXX $ I don't want this issue to get any worse than it has gotten nor do I wish this to happen to anyone else. Sincerely, XXXX
Product: Credit card or prepaid card

This a continuation of complaint XXXX. As a result of that complaint my interest fees were waved on XX/XX/2021 from months previous to XXXX. While this complaint was being settled, I was charged an additional {$380.00} in interest charges on XX/XX/2021, based off charges that were on my account that was later ruled that it shouldn't be there. I called American Express on three occasions afterward in order to fix this on my account but I never received a call back from anyone. I then paid off my account in full minus about {$300.00} that should've never been on my account due to the previous ruling and was charged {$36.00} on XX/XX/202. I am asking that {$420.00} in interest charges be removed due to that balance only being there due to error from American Express which has already been acknowleged.
Product: Bank account or service

I have had a checking/savings account with Wells Fargo since XXXX. Without any contact or warning, my account was shown as frozen around XXXX XXXX, XXXX. I got a letter from Wells Fargo stating that they were closing my account due to a " business decision. '' No further explanation has been given. At the same time, I am not allowed to withdraw any of the money that I have to check or to another bank until Wells Fargo 's arbitrary date of XXXX XXXX. They are holding almost {$8000.00} in funds from my use, which I need to help pay my bills. They have not been helpful either over the phone or in the branch.
Product: Credit card

I paid with two of my company credit cards the sum of {$19000.00} and I already complained to the bank and the bank rejected my claim. I need the money back because paying that campaign where I made the transaction was a scam. The date is XX/XX/2023.
Product: Mortgage

Our firm represents XXXX XXXX, 21-year owner of the property sold on XXXX XXXX, 2015 via trustee 's sale. We believe that sale is invalid, and in violation of RESPA. We are asking the CFPB to contact the servicer, Ocwen. A third-party purchaser issued the consumer a five-day notice to vacate, so we are immediately seeking to have Ocwen rescind the sale, on the grounds that it is invalid. 
XXXX XXXX is XXXX was XXXX in active loss mitigation, yet Ocwen foreclosed. Ocwen entered a trial payment plan with XXXX XXXX in XXXX 2015. Attached is a statement which makes note of the establishment of a TPP. We have payment stubs that evidence the consumer was performing under the Plan ; payment receipts for the months of XXXX, XXXX, XXXX, and XXXX 2015. 
Ocwen neither denied a permanent modification, nor granted XXXX. It issued nothing in writing to the consumer, and consumer continued to perform under the TPP. 
Despite a live loss mitigation that includes a TPP, Ocwen foreclosed on the consumer 's property. The Trustee executed its sale on XXXX XXXX, 2015 selling the home to a third party. The Notice of Trustee 's Sale is attached. ( The sale executed on XXXX XXXX although you may notice that the original Notice of Sale schedules it for XXXX/XXXX/2015 because Arizona law allows foreclosures to proceed any time thereafter without rescheduling/fresh notification ). 
We believe the sale was prohibited by the federal regulations that place a moratorium on foreclosure during loss mitigation. During a Trial Payment Plan, that moratorium is absolute : no trustee sale may be executed during performance under a trial payment plan. Specifically, a servicer may not conduct a foreclosure sale if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option. XXXX C.F.R. XXXX ( j ). 
If Ocwen alleges that it denied a permanent modification, we point out that we have no written notice of denial as required under the regulations, and notwithstanding any denial, the timing itself of the sale may have violated other provisions of RESPA. A borrower whose complete loss mitigation application results in a denial for any loan modification also has a right to appeal the denial if the servicer received the complete loss mitigation application 90 days or more before a foreclosure sale or before the date for a foreclosure sale is set. 
Immediate action is required in order to limit liability and an independent action for damages, which our research indicates may be appropriate under these facts. We are requesting the rescission of the sale.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is in Reference to Discover Bank, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXX XXXXr with Discover Bank. On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered " Income ''. If every Debt is considered income because it's considered a " Securitie '' Per the securities and Exchange commission. Per the " IRS Publication '' it states that all " ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.

Further more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) 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 informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( Discover Bank ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, Discover Bank are also In violation.

Moving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - " Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a " consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 


I Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have been victim of an online breach of information. In result my identity has been stolen, there is incorrect debt being reported in my name, as well banks fraud in name now I am not able to open a bank accounts! for some reason with any large banks because their something reporting that is coming back causing me to get denied. as well as incorrect debt reported on my taxes. It has also affected me being able to file taxes. I was informed that I received XXXX on XXXX XXXX when I tried to file one on my previous years and I have to pay taxes on money that I have never received or used for XXXX XXXX Which I am now also banned from using by the way for some reason due to data breach criminals was able to get my information use it to open accounts, scam through XXXX XXXX now reporting Ive made money Ive never seen and more. that was not me so I am writing you guys know that My information was exposed in a date breach and you have to remove this immediately dont turn my dispute into a 3rd day dispute under section 605 B. Thank you.
Product: Credit reporting or other personal consumer reports

I have identity theft since XX/XX/2023 and there was a hard pull from Capital one in XX/XX/2023. In the meanwhile, I have mail theft happening in my home, my mail was constantly missing so I didn't notice the fraud account in Capital one until police came to my door investigating the mail theft, and then I found capital one 's statement about a balance in the fraud account. At that time the balance is around XXXX, under the credit limit XXXX. I called capital one to close the account and they said they would do that. But the next day, I found the balance increased to around XXXX. And one week later i received their investigation result, saying I was holding reliable for the balance. I think capital one didn't do the investigation and it brought me a lot of problems, I was dragging into the loophole to make calls again and again, just get the result I was still reliable. They won't tell me anything about the transaction in the credit card. I think it should be capital one to fully investigate this case not asking me provide evidence again and again.