23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I made 2- {$400.00} payments to Discover card through their Discover App. My checking account through XXXX XXXX XXXX XXXX is Direct Linked so I can make payments. XX/XX/XXXX, the first payment of {$400.00} posted and on XX/XX/XXXX the XXXX payment posted from my checking account. 

I checked the Discover card account and despite them having debited the money they only showed the payment deduction for the XXXX. Mind you both are labeled Discover XXXX XXXXXXXX XXXX on the bank statement to show the deduction. 

On XX/XX/XXXX, I contacted the Web messaging assistant via the Discover App and was connected with XXXX in XXXX XXXX XXXX. XXXX assured me that the payment had posted and would be credited to the account and would send me a confirmation e-mail. The confirmation e-mail never arrived. 

Later that morning I contacted them a second time and was connected to XXXX in Ohio. She said I should receive a confirmation number for all payments, and I informed her that when paid through the app it doesn't give one. She said it takes XXXX days to post and we were beyond that point already. 

On XX/XX/XXXX I filed a missing payment dispute for the missing {$400.00} payment via their website and provided the dates and times and banking information plus uploaded documentation. 

On XX/XX/XXXX I faxed a copy of my bank showing the labeled payment withdrawals on XX/XX/XXXX for {$400.00} and the XXXX for {$400.00} each and my account message from XXXX XXXX XXXX XXXX providing both the ACH numbers for them. 

I contacted Discover Messaging again to verify that the fax was received and was told they work faxes in the order in which they are received. They then reversed the temporary credit of {$400.00} and closed my dispute despite it not being resolved. 

On XX/XX/XXXX, I contacted Discover messaging again and requested to be connected with a supervisor and was told none were available and it could take up to24-48 business hours. 

Later in the day on XX/XX/XXXX, I was messaged by XXXX in the Delaware XXXX who told me 2 payments of {$400.00} were recently posted to my account- he did not give any dates he also admitted to receiving the fax. 

Upon checking my account, they still haven't posted the 2nd {$400.00} or deducted it from my total in my account. My account currently only shows the payment from the XXXX so the posted payment from my bank account on the XXXX hasn't been applied. Current total shows {$860.00} instead of the correct {$460.00} ( if they had applied the missing {$400.00} payment ). All applicable bank statements, e-mail, and screen shots of messages including the false claim that they applied the payment when they did not will be attached.
Product: Checking or savings account

I opened a checking account on XX/XX/2023 at Regions Bank at XXXX XXXX XXXX, XXXX, TX XXXX branch after registering for the promotion of {$300.00} bonus at webpage XXXX XXXX XXXX XXXX. When I opened my account, I confirmed with the banker that the promotion has been applied to my checking account. It has been 3 months, and I have met all the requirements for the promotion. However, the bonus still hasn't been paid. So I chatted with Regions Bank online banker through its website and the banker informed me that the above promotion was not applied to my checking account.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715, 719. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Debt collection

Portfolio Recovery is currently reporting an account in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the conduct of XXXX in handling unresolved disputes over several unvalidated and inaccurate accounts on my credit report. I have received repeated stall letters in response to my disputes, and accurate resolution has not been provided despite a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure verification and accuracy of credit reporting information. 

**Accounts in Dispute** : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts are inaccurately reporting on my credit report across all three major credit reporting agencies, damaging my credit score and misrepresenting my credit character. The lack of resolution is a violation of consumer protection rights and has resulted in significant negative impacts, including credit denial, increased stress, and reputational harm. This aggravating situation can be addressed through corrective action, with the potential for seeking punitive damages due to negligent reporting practices. 

**Impact and Damages** : - **Credit Denial** : I have faced denials and unfavorable financial terms due to these inaccuracies, harming both my financial opportunities and credibility. 
- **Emotional and Reputational Harm** : XXXX stall tactics and inability to provide timely and accurate resolutions have led to distress and a tarnished reputation. 
- **Possible Legal Action** : Due to such negligence, XXXX could face legal action under FCRA provisions seeking both actual and punitive damages.

**Requested Relief** : - Immediate deletion of the abovementioned unvalidated and inaccurate accounts from my credit report, ensuring all details reflect accurately across their reporting systems. 
- An acknowledgment explaining the actions being taken to rectify these discrepancies immediately. 
- Measures to ensure compliance with FCRA requirements in all future reportage. 

I urge the Consumer Financial Protection Bureau to intervene and ensure Experian acts to correct these inaccuracies and halt any further damage to my credit profile. 

I appreciate your attention to this urgent matter and anticipate your support in compelling XXXX toward strict compliance and consumer justice.
Product: Mortgage

We purchased our home located in XXXX, Washington in XXXX of 2010. The title search revealed no outstanding mortgages on this property, so the previous owner, XXXX XXXX, walked out of the title office with a check for the full proceeds of the sale. 

Shortly after we moved in, XXXX began leaving envelopes on our doorstep addressed to the previous owner that came from XXXX home retention department. We immediately contacted XXXX XXXX and they reran the search and again came up with no record of any liens on our property. 

Several months passed and notices began to appear at our door to contact Green Tree Servicing. Unfortunately I was told that unless I had permission from the long since vanished previous owner, they would not talk to me. I did have XXXX representative at XXXX time tell me that they owned our home and that we should contact XXXX County and ask them about the missing deed of trust. 

I contacted XXXX XXXX and they agreed to open a claim against our title insurance in case Green Tree attempted to foreclose. XXXX further research revealed that an out of state title company recorded the deed in XXXX County, making it null and void according to XXXX claims attorney. A phone call to XXXX County also revealed that XXXX County notified the title company, but this title company failed to refile in XXXX County. The State of Minnesota eventually shut this title company down. 

We then began to have representative from Green Tree 's local foreclosure contractor ( XXXX XXXX ) ring our doorbell asking for the prior owner and leaving the same " contact us '' pamphlet behind. Eventually they quit showing up and no foreclosures were initiated. 

Apparently Green Tree has n't completely given up. For the past several years they have continued paying half of our property taxes. Our own bank pays the first installment and so does Green Tree. I contacted the County to find out who has made this year 's first tax installment and it once again was Green Tree Servicing. XXXX XXXX still has an open file, but Green Tree refuses to talk to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following creditors have violated my rights : ( 1 ) XXXX - Acct # XXXX ( 2 ) Office of the Atty General - Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct XXXX XXXX ( 4 ) XXXX XXXX XXXX - Acct XXXX XXXX ( 5 ) 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

XXXX XXXX XXXX have sent my name in collections for the amount of {$3000.00}. In addition to ruining my rental credit history which is making it nearly impossible to rent. The issue was bought to my attention on XXXX XXXX when I attempted to rent an apartment. I have never received any letter or phone calls from XXXX XXXX regarding the issue. I have made an attempt to reach out to them via email on XX/XX/XXXX, at XXXX ( which was the email of the person who sent my last lease ) and putting in a direct request on the company 's website XXXX XXXX XXXX XXXX XXXX a couple of days afterwards. No one has reached out to me regarding the matter. In XX/XX/XXXX, I broke my lease. Upon moving in the apartment I gave them a XXXX months rent deposit in addition to the prorated amount that was due when I moved in XX/XX/XXXX. When I inquired about possibly breaking the lease they stated I had to pay XXXX months rent XXXX XXXX XXXX XXXX ( they had XXXX months rent ). The rental amount was {$1200.00} in XXXX and had increase to {$1200.00} upon me leaving.
Product: Checking or savings account

I would like to know if I am eligible for compensation due to the recent Wells Cargo identity theft lawsuit settlement.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$230.00} payment to SUNBIT and it was to pay it off in full and it never was added to the account and I made purchase after that and I looked at the amount due on the XXXX of XXXX and the rep said I should not be able to pay XXXX dollars it should be {$100.00} total payoff and I made purchase on the XXXX of XXXX and it said I still owed the same amount and I frauded a charge out they close the account and never issued the amount back after they closed the card and issued another one and I added all up the transaction today XX/XX/XXXX and I should only owe {$250.00} not {$300.00}
Product: Mortgage

Please let me know the contact at Wells Fargo as I saw this headline The Consumer Financial Protection Bureau ( CFPB ) has ordered Wells Fargo to pay billions in fines and redress to mistreated consumers. Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. During the XXXX XXXX XXXX my ex-husband and I had a mortgage with Wells Fargo XXXX XXXX ). The mortgage interest rate with Wells Fargo was XXXX. Wells Fargo ' representative advised us to short sale our home in XX/XX/2012, because the house was under water or upside down. Wells Fargos said we only qualified for a short sale only. Wells Fargo did not offer any other options and when we tried to speak with Wells Fargo rep -- Wells Fargo told us the rep was no longer working at company. I was forced at XXXX XXXX XXXX to go and live with my sister and brother-in-law for 4 years. The house was sold for {$550000.00} then and is now worth almost {$1.00} XXXX. When we short sale our house my ex-husband and I got paid {$0.00} unlike the bank we profited from our pain and misery. I would like us to recuperate our loss even though we are divorced. Thank you for your help as always.
Product: Credit card

My problem is with Barclays -jetblue credit. The jetblue merchant charged my credit card XXXX time in a row on the same day. Almost a {$1000.00}. I disputed the charge due to the fact I did not make this purchases. They were all fro jetblue. I m assuming for making a set change. I had requested to down grade XXXX seats I had tried to do it my self but the website was glitchy and bounced the seats back and forth, so I called jetblue and they made the adjustments for me. Never was I told there would be a charge. The stated they would refund me the difference for going from higher paid for seat to lower price standard seat. When I arrived home from my trip there were XXXX charges XXXX at {$99.00} and XXXX charges for $ XXXX called Barclays to start a dispute with they cancelled shy of 48 hours then I asked for a fraud review which they said they would open but instead if opening it for the XXXX charges all made on XX/XX/XXXX they went into my account and marked charges and payments I had made a month and XXXX month prior messing up my entire account. I spoke to a fraud investigator who said she would get it straightened it out and make sure the proper charges were marked. That did not happen and in random amounts they had started post charges to my account with no explanation. Which I paid because I was afraid it would mess up my credit. I have paid off all of the total amount of those charges combined, and I have started get charged for them again. Two more charges of {$99.00} have posted on my account which I paid and then today XX/XX/XXXX another one of those fraudulent charge showed up on my statement and the post date was XX/XX/XXXX. Barclays messed up my entire account got paid, never helped my get those charge removed and now they are randomly posting charge to my account again. I have not used this account since XX/XX/XXXX and have paid for all of the XXXX charges I should never have been charged by Jetblue airlines and Barclay did nothing but make things worse. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Wells Fargo opened a fraudulent personal loan under my name and social security. I've personally complained to the company directly at least over 10 times. All Wells Fargo has done was open and close cases without addressing any issues. They make false promises of throughly investing my claim or returning calls to management call backs none which has taken place. Ive went about and beyond sending all requested documents to even sending letter and travel documents to prove I wasn't even in the states to open the account. My claim has failed on deaf ears. I've tried to escalate to the highest level in Wells Fargo but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. My date of birth isXX/XX/XXXX and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.
Product: Mortgage

I purchased my home on XX/XX/XXXX through XXXX XXXX company. My mortgage was sold to Freedom Mortgage ( FM ) shortly after. I have never been 30 days late on my mortgage payments- even when I was unemployed for 9 months in XXXX. I always make my payments on FM 's website, but I have had a number of occasions where the payment did not get processed for whatever reason. 

I am certain that I made online payments between XXXX and XXXX. I have received no phone calls, emails, or letters from FM regarding a delinquent payment until XX/XX/XXXX, which I opened today. The letter was dated XX/XX/XXXX and stated that I was delinquent for XXXX. I was beyond confused. So I immediately made a payment in the amount of {$1400.00} and called FM due to concern that the delinquency had been reported. 

I spoke with XXXX, a supervisor with FM, explaining my frustration that I should have been notified BEFORE the payment was 30 days past due - meanwhile, FM has consistently called me ( as well as emailed and sent letters ) asking me to refinance with it this year alone. She claimed that because I had opted out of paper correspondence, they did not send correspondence. I asked how, then, did I get a statement in XXXX and this XX/XX/XXXX letter stating that I was delinquent. I further asked why I did not get a phone call. She said that FM called numerous times - my phone saves all voicemails, even deleted, for about a year. The last time FM contacted me was XX/XX/XXXX. They DID NOT call me to inform me that the payment was past due. 

XXXX offered to have their technical team look into the issue, and if they can find that I made an attempt to pay, they will remove the reported delinquent payment. So I posed a hypothetical - what if I made an honest mistake and did not make the payment? I doubt that seriously, but what if I did? Is that not where FM comes in and timely notifies me that I am past-due - as they had done so in the past? 

When I was on the FM website earlier this month to pay my mortgage and check the outstanding principle for my own personal debt managing purposes, nothing showed delinquent. I fail to understand how FM can get away with reporting a borrower who has a history of timely payments, as well as documented instances of FM 's website not processing my payments, without notifying the borrower first. Now my excellent credit will be tarnished by FM 's purposeful refusal to timely notify me that a payment was not received so that I may cure the issue before it got to the point of negative reporting on my credit report. My husband and I were preparing to either purchase or build a new home- now I do not know how this will affect it. Honestly, I think FM did this on purpose because I reported it to CFPB and the Ohio Civil Rights Commission last year. I think this is payback for making it be a responsible lender, but it is not fair, because I am a responsible consumer. My credit report, before FM 's negative reporting hits it, reflects that.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  and Chapter XXXX Bankruptcy : Bankruptcy
Product: Mortgage

I fell behind on my mortgage payments for three months due to identity theft, and then loss of income. I started worked with a Housing Counselor to help me avoid foreclosure. With her help, we completed a Loss Mitigation packet in XXXX 2017. She also helped me complete an application for Hardest Hit Funds, but XXXX XXXX XXXX will not accept them, despite attempts to get them to participate in the program. It is now XXXX, and I have never received any paperwork back from XXXX XXXX XXXX. Someone did come to my home in XXXX or XXXX to post a notification that I needed to bring the loan current, or I would lose my home. I have continued to make on time payments since missing those three months, and they are accepting my payments. When I call the company to discuss my situation and ask for an update on the Loss Mitigation packet, no one answers and I am forced to leave a message. My Housing Counselor spoke with the Loss Mitigation Manager and he agreed to a scheduled phone call appointment, but did not call and will not answer our phone calls. We have tried all phone numbers we could find, but we are only able to leave a message. I did receive notice on XXXX XXXX, that my mortgage payment is going up due to escrow shortages/tax increases, but I have not received anything else referencing my Loss Mitigation packet. I am concerned that I am close to losing my home, or that a sheriff sale has already occurred without my knowledge. I have XXXX children and do not want to lose our family home of five years. According to my Housing Counselor, XXXX XXXX XXXX is not following foreclosure guidelines.