23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a judgement in XXXX against my late husband 3 years before he passed away. I was not party to this. 

My late husband passed away in XXXX. According to court records, Stenger & Stenger has filed 3 times since my late husband passed away in XX/XX/XXXX. They filed 2 wage garnishments in XXXX and recently filed a bank levy against a joint account I had with my late husband. A mistake made by the bank is the only reason his name was still on that account. I reported his death to them and they failed to take his name off the account or put a note on the account that he was deceased. 

XXXX XX/XX/XXXX I checked my bank account online only to find I had no money. I immediately called the bank and they informed me about the levy and who I needed to call the next day. I called Stenger & Stenger and they gave me an email address to send a copy of the death certificate. I did so right away. I informed them that all the funds were solely mine, my husband had been deceased for 2 years, and the debt was not mine. How they managed to get a bank levy on a deceased person is beyond me, but as soon as they found out he was deceased ( assuming they didnt already know ), the bank levy ( hold ) on my account should have been lifted. They have ignored my instructions to do so and I am left with no money and no relief.

Stenger & Stenger have literally left a widow penniless and the debt/judgement was never mine. They filed 2 wage garnishments and one bank levy on a person who had been deceased for 2 years.
Product: Checking or savings account

Potentially effected by Wellsfargo. I had a checking savings and car loan during XXXX. I have attempted to contact customer service.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge-off is income according to the FCRA, income can not be reported on a credit report. I am requesting a XXXX ( Cancellation of debt ) from the following charged-off accounts listed below. IRONHORSE FUNDING XXXX. This account can not be reported as a charge-off on my credit report if the account was sold to another lender. Please send the XXXX form.
Product: Mortgage

During XXXX  we put a pause due to hardship during XXXX Tenants do not want to pay rent and because of the laws with eviction it has been hard to pay mortgage
Product: Mortgage

We applied for a jumbo loan with a 10 % down payment through US bank. After providing all the required documents, we received a pre-approval letter and had our rate locked at 6.25 %. The bank also provided us with a loan estimates document. However, after 13 days, they informed us that they can not proceed with the loan because we do not have an approved XXXX, citing it as their policy. This change has occurred despite our compliance with all their requirements and providing accurate information. Due to the delay, the rates have increased significantly, making it challenging to secure another lender and potentially causing us to lose the home. We believe that as a mortgage lender, it is their responsibility to provide accurate and consistent information, and we are disappointed to be in this situation. 

The mortgage lenders are : XXXXXXXX XXXX XXXX XXXX Originator XXXX  # XXXX Office : XXXX XXXX Visit my website XXXX XXXX | XXXX  # : XXXX | U.S. Bank Home Mortgage District Lending Manager 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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

More than 2 month already passed after you said you sent to my address the proof of validation I requested from you. As today XXXX2018 I haven't received such as proof. 

This letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA. 
Not only have you ignored my prior requests for validation of debt. but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -A complete detailed history of all transactions ( including payments, credits, returns, etc ) -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 

If you send it, I want tracking number of the mail, or any kind of tracking.
Product: Checking or savings account

I am writing to formally request a reinvestigation of Claim # XXXX regarding a {$2900.00} transaction dated XX/XX/2024 with wells fargo. While I authorized this purchase, I have not received the item as described, and the handling of my case appears to have overlooked key details. 

Here is a summary of my concerns : 1.After my initial dispute, the merchant provided a XXXX tracking number to Wells Fargo but did not share it directly with me. 

2.When I disputed again, the merchant eventually sent me a XXXX tracking number along with a blurry image of a used XXXX shoe box with newspaper from XXXX, which is entirely inconsistent with my purchase. My purchase was a XXXX XXXX bag. 

3.Despite these issues, the bank has repeatedly stated that my dispute was based on an unauthorized transaction and non-receipt of goods. While I did claim non-receipt, I clearly stated that the transaction was authorized but the item I paid for was not delivered. 

The merchants submission of a generic XXXX tracking number does not address the core issue that the goods delivered ( if any ) are not the items I purchased. 
To assist with the reinvestigation, I have attached the following evidence : The XXXX tracking details and the image provided by the merchant. 
I respectfully ask for your assistance in reviewing this matter thoroughly to ensure a fair outcome. Please let me know if additional documentation or clarification is needed. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Payday loan, title loan, or personal loan

This account was paid in full by court order of wage garnishment. The loan company still reports that I owe them money. The garnishment was satisfied and complete. Should be reported as paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got preapproved for a new VA mortgage because I am shopping for a house. The day after, I have received phone calls after phone calls from supposed lenders. Some identifying themselves as working with the VA, or with Experian. Some of the caller have been outright hostile, one even commenting that he had my social and date of birth all ready when I asked to be removed from the call list. When I tried to contact the three credit reporting agencies that must of sold my information without my permission I can not get anyone on the phone. But rather get bumped from automated message to automated message. If the credit agencies are in fact giving my Personal Protected Information out without my permission to unsolicited lenders I am extremely concerned.
Product: Mortgage

I have been denied access to online services for years with Shellpoint Mortgage Servicing. I had my single point of contact changed and was given the wrong contact information by my previous single point of contact. After multiple unanswered emails and multiple attempts to contact the new single point of contact by phone ( left detailed voicemail messages ) I now months later have not been contacted once by the single point of contact. I received a document stating my loan had been taken over by a new servicer in early XX/XX/2021 but when I contacted them they said they had never had my loan or myself as a client and none of my information was in their system. I was informed that even if my loan were serviced by them for a single day that my information would have been on record with them. I again received a different document stating my loan had been taken over by a new servicer less than two weeks from the first document in early XXXX and this servicer had no contact information and is not listed on any XXXX searches and the document stated to contact Shellpoint for customer service but again no one answers or returns phone calls or emails. I was advised to contact my mortgage servicer to find out about my eligibility and enrollment in the XXXX XXXX Relief Program but without any communication from Shellpoint I have gone deeper into the deadline to save my home from foreclosure. I contacted Fannie Mae but they offered no solution. I am without financial means to hire an attorney and need help to save my home from the predatory loan servicing practices of Shellpoint. I have documentation, Emails, recorded phone calls, XXXX  reports, and phone records to support my case. Can you please help???? PLEASE!!!! I BEG YOU!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. XXXX XXXX have not responded. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I deposited check for {$100000.00} from my XXXX XXXX XXXX  to my checking account at Bank of America - Bank of America tells me that funds not available until XX/XX/2021 On XX/XX/2021 I found out the funds were taken from XXXX XXXX XXXX!!! 

Where is my money and why not available until the XXXX? 1? 1 pls help - this is not acceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4400.00}
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX  XXXX  XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

I believe that the bank did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank recorded the promissory note as an asset on the books of the bank and credited cash to balance the books. The alleged borrower got cash. likely the bank will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new bank asset and a new bank liability. The new asset came from the borrower and the bank liability means the bank owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property. This is what I believe is an act of custodian or intermediary to the transaction.
Product: Checking or savings account

On XX/XX/XXXX I closed my Truist bank account and attempted to collect my {$500.00} bonus for opening said account, Truist did not pay the bonus and that is why they currently have two open complaints regarding that issue. 

Today they finally attempted to reach me, not by email as I've explicitly stated was my preferred method of contact, but rather they decided to call me again .... And during this call Truist Bank proceeded to admit that they actually never closed my account back in XXXX and Truist was trying to charge me fees even though they were refusing to return response to my complaints in which case they could've resolved all issues, instead, today they've created yet another complaint for not closing accounts when asked to. 

XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX did my account closing and told me he would not be able to close it immediately because they had to wait 24 hours to close accounts but that he would have it closed the next day. 

When XXXX didn't call me then next day I did go into the branch and asked him if the account had closed and why I hadn't received my bonus, he said he would look into it, nobody from Truist every looked into it. 

Now Truist wishes to charge me fees for closing my account when they legally owe me {$500.00} ... .. CFPB, what exactly do you do?
Product: Mortgage

I am XXXX years oldBorrowed mortgage money XXXX on my homestead home to start a business in XXXX. 
Made interest only payment, timely of XXXX. 
I am going to pay off the mortgage and now the lender has added XXXX in fees. 
Accrued Interest Thru XXXX XXXX, XXXX XXXXMortgage Satisfaction XXXX. 
Deferred Loan Origination Fee XXXX. 
Deferred Processing Fee XXXXPrepayment Fee XXXX. 
Payoff/Profesional XXXX. 
Wire Fee XXXX. 
Loan Administration Fee XXXXEscrow Fee XXXXI thought I would have to pay up to XXXX in fees but these seam to be totally beyond fairI want an opinion whether these fees are legal
Product: Credit card or prepaid card

My card was charged with something i did not purchase. I contact the credit card company and they said they were looking into it. In the mean time don't do anything. After a couple of months of this happening several times the issued was resolved but the credit card was reported as late payment for 120 days. I tried to have it fixed with the credit card company to remove that late payment but no response from them.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update these erroneous accounts. A written confirmation of its correction would be greatly appreciated. 
XXXX, XXXX. XXXX.
Product: Checking or savings account

On XX/XX/2024 I attempted to send a XXXX  in the amount of {$2000.00} to my brother. Immediately I got a message that my account is restricted and I need to call customer service. I called customer service, who verified my identity through some questions that only I would know, and the representative told me they can unlock the account if I can answer a call to my phone #. She neglected to say 1- that she will be calling a different phone number, and 2- that I would only get one chance to answer the phone and if I don't then I would need to come into a bank branch to unlock. She then called me 3 times in a row, on my personal phone, which was a different number from which I called, but since I was unaware that she will be calling that number I did not see her calls until right after. I immediately called back but they said they can't help since the flag has been " validated ''. I begged them to call me again, or accept any other form of validation such as ID, public questions, bank/stock balances but they refused. I explained to them I am out of the XXXX for the foreseeable future so I have no way to visit a branch, but it didn't matter. I asked two different representatives, if my money is frozen and I can not access it until I visit a branch I would like to close the account so I can move my money elsewhere, to a more customer friendly bank, but they refused. 
I called them 3 times, was transferred a few times, and reached out on social media to no avail- the latest representative even hung up on me after she asked me to hold. 

I searched online and I see many many other customers of Charles Schwab bank have had similar issues- they freeze their bank accounts, stock holdings, and funds just as they did to me, and leave no option to remove the restriction besides visiting an actual branch, which is quite antiquated in 2024 when there are various other methods to verify identity which every other bank utilizes.

My money is still frozen and Charles Schwab refuses to let me access it or close account to move my funds to another bank. 
I didn't visit a branch to open my account, they didn't require me to in order to take money from me, why should they require such a singular difficult solution to give my money back.
Product: Student loan

I need a lower payment, deferment or forbearance!! I can not repay these loans as of yet!!
Product: Credit reporting or other personal consumer reports

I currently have 2 complaints XXXX and XXXX open. For XXXX XXXX has sent me alerts that XXXX reported to XXXX and XXXX that my loan balance is {$100000.00} which is completely impossible since this company does not offer loans in that amount. I went directly to to XXXX website and it is being reported correct on the XXXX website but yet XXXX XXXX has the amounts incorrect. This is the same for XXXX. It seems XXXX is reporting technically not XXXX. I received an alert also from XXXX stating the amount increased to XXXX which is weird since my original loan document is for {$11000.00} which is attached in the previous compliant. 

I'm not sure who or what is at fault but this needs to be corrected asap. Each time this entered incorreclty by score drops. I'm in the process of trying to get a car and this is hindering any chance basically for these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX