23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested a balance transfer XX/XX/2023 in the amount of {$2500.00} from Discover for card ending in XXXX to XXXX  XXXX for card ending in XXXX The balance transfer posted to XXXX  XXXX on XX/XX/2023 XXXX  XXXX sent me a letter dated XX/XX/2023 stating the amount was debit back to my account. 

I called XXXX XXXX asking why this was done and who initiated this requested. I was informed that it was requested by Discover stating fraud. 

I called Discover asking why this was done they sited a fraud report was initiated and I told them no transaction on my account was fradulent only the muti-factor authentication information ( e-mail address and phone number that was visible during attemp to authenticate ) was wrong and to please send the balance transfer back to XXXX XXXX. 

They told me I needed to get the address, check number and date the check cleared the bank before they could do a temporary credit and initiate a dispute while doing and investigation. 

I was able to get the information from XXXX XXXX on XX/XX/XXXX and called Discover to provide them with the information and I was told by the representative that they saw a {$2500.00} pending credit and to give it 5 days to reflect on the account. I called today because the {$2500.00} has yet to post to either XXXX XXXX or Discover only to be told now that they need the Routing and Account Number to which this check was posted!!! I was not told this initially and I am tired of being on the phone with these banks with what should be a simple fix. I am at my wits end... I have been on the phone with both banks for multiple phone calls, for many hours only to get transferred multiple times during each phone call thus having to repeat the issue. 

I believe what happened is since a new Discover card was issued to me, they are having a problem finding where to post the {$2500.00} ( a new card was issued to prevent there from being any potential fraud with card ending in XXXX ) ; the new card I was issued ends in XXXX. 

I honestly do not want to speak to either bank ever again in my lifetime. 
There is so much more that has transpired with this issue that should be documented with each bank but I only provided the facts related to the complaint. 

I am attaching the following support documentation for complaint. 

XXXX. Discover balance transfer transaction XXXX. XXXX  XXXX letter stating the amount was debit XXXX. Address, check number and date check cleared the bank provided by XXXX XXXX Thank you for the resolution you can provide regarding this issue.
Product: Mortgage

We are filing a CFPB complaint against Wells Fargo Mortgage. Our firm is actively representing Ms. XXXX XXXX in an active Chapter XXXX Bankruptcy. The purpose of the bankruptcy filing was to stay a foreclosure sale date and to save Ms. XXXX XXXX 's home. Since the bankruptcy filing our office has been communicating with Wells Fargo in an attempt to consummate a loan modification. 

Wells Fargo is refusing to review Ms. XXXX XXXX 's loan account for loss mitigation assistance. No valid reasons are being provided for Wells Fargo 's refusal to comply with our requests. Please review the attached correspondences we have sent to Wells Fargo in an attempt to initiate a loss mitigation request for assistance. The below timeline should help you understand the situation : XX/XX/2018- An application for loss mitigation and all supporting documentation was submitted to Wells Fargo XXXX 
XX/XX/2018- Wells Fargo responds stating the loan can not be reviewed for assistance due to account standing and history without providing additional details. 
XX/XX/2018- Under the Consumer Financial Protection Bureau our office requested the specific reason or reasons for servicer 's determination.

XX/XX/2018- Wells Fargo responds by stating they will not review the account due to prior decisions. 
XX/XX/2018- Our office requested a detailed loss mitigation application history and determinations made on the account.

XX/XX/2018- Wells Fargo responds accordingly however they fail to cite a policy or provision that prohibits borrowers from applying and/or obtaining loss mitigation assistance more than once during the life of the loan.

XX/XX/2018- We inform Wells Fargo that they have violated the Consumer Financial Protection Bureau guidelines by failing to provide borrower with foreclosure protections more than once over the life of the loan. Specifically, the new rule requires that servicers provide loss mitigation assistance again to borrower who have brought their loans current at any time since submitting the prior complete loss mitigation application. We have proved that Ms. XXXX XXXX brought her loan current since submitting a prior complete application. Please see letter for additional details. 
XX/XX/2018- Wells Fargo unable to grant request.
Product: Debt collection

I filed a complaint previously that was closed, this information is new and another complaint needs to be opened to handle this, it collaborates my issues with Northern Trust. The original complaint # XXXX, had 2 issues, one was the loan refi, which is what I am creating this new complaint. The other was posting issues and inconsistencies that have gone unanswered for years, for which the Company answered ... without any explanation that " We believe we have addressed his concerns ''.

As to the refi, the nature of this extended complaint surrounds Northern Trust sent me a package for me to fill out to see if I would qualify and refinance the second mortgage. I took the package to my accountant, which has been preparing my tax returns for XXXX, XXXX, XXXX, and XXXX for a year or so. I have not previously given my taxes to the accountant because of the initial analysis of how much taxes I would have to pay because of 1099 's. When meeting with the accountant he told me that one of those 1099 was from Northern Trust, for the first time I was explained it was that the bank wrote off the loan in question in XXXX, that they also sent a notification to IRS a 1099-C Cancellation of Debt for the loan in question XXXX for XXXX and they had sent me Tax statement form 1099 for XXXX. This is a perfect example of the bank does things that can be considered Illegal or at least extreme incompetence. How can they be collecting from me for 4 years, after the loan was closed.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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, credit repair services, or other personal consumer reports

In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from XXXX XXXX XX/XX/XXXX XXXX  placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XXXX XXXX 2020 the forbearance program ended XXXX 2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XXXX XXXX 2020 XXXX reported my loan 90 days past due, i was alerted by XXXX via email my Loan was going into foreclosure and reported to TransUnion. 

XX/XX/XXXX I placed several calls to XXXX XXXX to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

XXXX mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to XXXX XXXX on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

XXXX XXXX documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

XXXX XXXX  never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This XXXX have negative impact on your credit score ''. 

XXXX XXXX  sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

XXXX XXXX did not provide me with legal documentation in a timely fashion. XXXXXXXX XXXX did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. XXXX XXXX  did not act in a professional manner in dealing with my complaint and escalation request. XXXX XXXX  acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

XXXX XXXX  documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.
Product: Credit reporting or other personal consumer reports

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


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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I believe my next door neighbor used my personal information to get her electricity on in my name.
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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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

On XX/XX/XXXX I used a 3rd party to book a vacation home for XX/XX/XXXX, a day before my arrival the " host '' informed me that I couldn't come because a current guest had a high fever and it was dangerous. I resulted in having to find a place to stay with my XXXX month old baby and XXXX year old last minute. When I asked the company for a refund since the " host '' cancelled on me, they deleted my account. Then I found out that this was part of a scam of the company ( XXXX XXXX XXXX ). On XX/XX/XXXX I disputed the charge, sent documents and told American Express what had happened. The merchant responded with fabricated evidence and apparently my documentation wasn't seen by the back office representative, instead of informing me to re-submit my documents, they sided with the merchant because they sent fake evidence. I tried to re-submit the dispute numerous times with different ways of sending evidence and never once was my evidence reviewed properly. On XX/XX/XXXX, the merchant decided to charge my credit card another {$5700.00} and {$1600.00} because they saw that Amex was letting them get away with the first charge. 
I once again contacted Amex and told them this was fraud, XXXX months later they charged my credit card when I had not made any transaction with them for that amount! Amex deleted the {$1600.00} charge on my account, but for some reason kept the {$5700.00}. 
On XXXX XXXX, I was told by Amex they would have a resolution within 30 days, it has been 30 days and no resolution has been made and they keep asking me to send personal information such as transactional data from other accounts, private conversations I had with friends proving that I was homeless while I search for a place to stay. I feel violated, mistreated, and that Amex is acting negligent in accepting fabricated evidence from a merchant. 

Attached is the correspondence I've had with American Express.
Product: Debt collection

I have done a dispute requesting validation and verification requesting my signature, i have not received a response from the creditor and nothing has been deleted from my credit file. It has been well over thirty days of my dispute.
Product: Credit card or prepaid card

I placed an order of two faucets on XXXX using the CapitalOne credit card. The seller only delivered one faucet, instead of two, and the only one delivered is heavily damaged. I filed a dispute with CapitalOne but CapitalOne sided with the merchant and declined to refund me ANY money. They decided that it's ok to charge me in full for the faucet that was never delivered, and that it's also ok to charge me in full for the heavily damaged faucet that was advertised as immaculate brand new product.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate deletion of a bankruptcy entry on my credit report, which I believe has been recorded in violation of federal law. Specifically, the reporting of this bankruptcy is in violation of the following statutes under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : The aforementioned statute outlines the specific permissible purposes for which a consumer report may be accessed and reported. My bankruptcy record was included on my credit report without my explicit consent or any permissible purpose as defined by the statute. There was no authorized or legitimate reason for this information to be accessed or reported without my prior written consent.

Violation of 15 U.S. Code 1681q - Obtaining Information Under False Pretenses : It is my belief that my consumer report was accessed under false pretenses, without my knowledge or authorization. The inclusion of the bankruptcy on my report, without my written consent, suggests that the reporting agency or other entities involved may have obtained this information illegally.

Violation of 15 U.S. Code 1681c-2 - Block of Information Resulting from Identity Theft : Furthermore, I have reason to believe that the inclusion of this bankruptcy record may be a result of identity theft or unauthorized access. This statute mandates the blocking of information on consumer reports that are a result of identity theft. I demand that this information be blocked and permanently removed from my credit report.

The presence of this bankruptcy on my credit report is causing significant harm to my financial well-being and reputation. I demand that this record be deleted immediately from my credit report and that I receive written confirmation of this action within 30 days from the date of this letter. 

Additionally, I request that the CFPB investigate this matter thoroughly to determine whether there has been any illegal activity or violation of my consumer rights. I expect a prompt response and action to rectify this situation. 

Please consider this letter a formal complaint under the FCRA, and I reserve the right to pursue legal action if this issue is not resolved to my satisfaction. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Capital one, my husband and I got paid this week and Capital one has not given us access to our funds, I can not buy food or pay my bills. My car insurance will lapse and I will have to pay fees because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record/judgment that appears on the following credit reporting agencies, XXXX, XXXX, XXXX and Lexis Nexis. The judgment was filed against me by XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This information is fraudulent and the company was found guilty of the illegal business practices. 

I begin making payments, and continued to make several payments to this company because I was led to believe that I was guilty because the courts were involved. I later learned about the injunction and ruling against said company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it
Product: Money transfer, virtual currency, or money service

I attempted to recieve my unemployment back pay that I've been waiting on since XX/XX/2020. Literally, the day my funds are released, out of nowhere my account is disabled. No reason given. I was told it could be something in my account history, transaction disputes, or other possible violations of Cash App policy. Well there was nothing wrong the last time I used my card to get XXXX food or purchase an in app game purchas the night before. Im not sure how they came to this conclusion, but there is no recourse for me as a customer. Im helpless. Im stuck. My car payment is behind ( my fault, I know ) and I'm in repo status. My alternator broke 2 weeks ago now I cant move my car to try and make money. I was relying on Cash App to bring me through. My unemployment account already had an error fixed on it, which is why it took so long to be disbursed to begin with. I chose cash app as it had never done me wrong. Boy what a mistake that was. No explanation? Just a XXXX email saying sorry we closed your account, but we won't let you reopen it either. Tough luck and deal with it. What a bully way of handling someone who chose to use your company and trusted your company to secure their financial wellbeing. This type behavior is what is going to kill the next generation of banking users. The way they can freeze your life and you have to answer to them to get your own money. Its just a reminder we aren't free. Its depressing and very eye opening. Any company handling consumer funds, especially credit cards/debit ( prepaid or not ), should have mandatory live phone customer support and have to provide an exact reason why they closed the account. Otherwise how do I know this wasn't discrimination against the poor? How do I know I wasn't targeted? I want an answer for why I'm going to have to wait an additional 7 weeks for my money to be disbursed again.
Product: Debt collection

This number repeatedly calls - if I miss a call, they hang up and immediately call back. For example, today at XXXX - XXXX I received 4 consecutive calls, the last one leaving a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE XXXX  XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Investigate and correct or removed the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This agency is violating my Consumer rights by using false, misleading, misrepresentation, and deceptive means. I made previous attempts to contact this company and the original owner to fix these issues directly with them, and THEY are violating my rights, and I am entitled to compensation of up to {$1000.00} for this violation. They either pay me or delete it from my consumer report.