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

My issue is with the rules that banks use relating to safety deposit boxes. There was not really a category for this. My husband passed away. He had a safety deposit box with Wells Fargo. We have a trust, pour over will, etc. I also have both keys. Clearly everything goes to me. They would not let me in the box. I hired a lawyer and we did a widow 's plea which relieves them from any liability with regard to the contents. No go. Then I requested a will search so I could inventory the box. An old will was found but it superseded by the trust. Now I know there are just papers in there which most of them really don't matter. I have a new birth certificate and retitled the car myself. The only other thing is the deeds to our timeshares. But now because they want me to go through probate, this box will sit for 3 years at Wells Fargo and then 3 years with the state of PA before I can claim this. This is so ridiculous and not making any sense to me. Please help because this process really needs to be changed. I am grieving and don't need this hassle.
Product: Debt collection

To Whom it May Concern, I received a notification on my XXXX report # XXXX that Spring Oaks Capital LLC # XXXX hit my report with a debt that was discharged and disputed in XXXX and I learned that Spring Oaks Capital LLC is a debt buyer who bought the debt and have added it to my credit report without any communication from you. I called roughly on XX/XX/XXXX the moment I saw the notification and you asked to verify my phone number and email address and it was at that time I learned who and what XXXX was aka XXXX, I NEVER got any phone calls nor emails as I look at in and all emails received. The agent at Spring Oak LLC gave me details and I have " NO " knowledge and I mentioned to her that I remember seeing the account name in my ID theft. 

This debt was discharged due to ID theft XXXX Affidavit and XXXX Police report that was filed the moment it occurred with other items. 
All of my information somehow was used to open several accounts that caused major havoc to my file. What disappoints me most is that this could have been settled before you posted an account that was disputed and deleted many years ago because of me being a victim of identity theft and no one contacted me. I also noticed on my XXXX file that this account was placed for collections in XXXX and it is now XXXX and this is the first time that I have even heard of anything about this collection. 

I have attached the ID theft case and affidavit The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report that involved ID theft. 

Also per the CFPB policy before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : 1. ) Speak with you in person about the debt, I never spoke with anyone 2. ) Speak with you by telephone about the debt, never called me 3. ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or 4. ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Especially since the debt started collection started in XXXX and it is now XXXX. 

All of the above NEVER happened I am also disappointed in how XXXX allowed this to happen for they have received all of the proper documents years back and along with my ID theft it was disputed and removed because the ID Theft. XXXX has failed and should not have allowed this to happen and did not follow FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 

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 XXXXXXXX XXXX, Account name : 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 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 or 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: Money transfer, virtual currency, or money service

On XX/XX/2024 I used Affirm mobile banking system. They have an option to send out a debit card for use to split payments over XXXX dollars. As of XX/XX/2024, I had XXXX dollars available in my purchasing power. On XX/XX/2024 I went to service my car. I spent XXXX. It was not offering me a split. It had said the payment was still pending. When I called the next morning, I spoke to three different representatives. They all told me different things. One said I did not have enough purchasing power, that I had XXXX. Which would have been accurate as of after the purchase at the auto body shop. When I was transferred to manager the first time, He told me that I not only didn't have enough purchasing power, that my bank account wasn't connected! I told him to look at the prior purchases! I had spent on that card numerous time. He proceeded to tell me I had just put a bank account " 3 minutes ago '' on the account. I said that was a flat out lie. I encouraged him to look at my payment history. That I was a good customer that has never missed one payment and even paid early! I asked to speak to another manager. He said I would have to call back and he was not transferring me. I then told him that would be fine. I called back and spoke to a woman name XXXX who has been the most professional of them all but still did not resolve the issue. She assured me my bank account was on there but still went on with this purchasing power LIE. As I got off the phone I went a looked at my account to screen shot more information as I did the whole phone call. When the app refreshed I noticed now as of today XX/XX/2024 I only had XXXX of purchasing power when this morning I had XXXX and I have screen shotted proof!! So the second rude male rep I spoke to must have decreased what I am avaliable to spend. WHICH STILL WOULD BE ABOVE XXXX ANYWAY! But the audacity of this company. The customer services reps lie, they do not tell you correct information. That will be my very last purchase with them. PLEASE BEWARE OF THIS COMPANY. I KNOW IT IS CONVIENT TO SPLIT PURCHASES BUT IT IS NOT WORTH THE LIES AND HEADACHE AND THE TYPE OF PEOPLE THAT WORK THEIR HAVING YOUR BANK ACCOUNT INFO!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my case to be heard and not simply closed. I've tried multiple times and submitted all documentation for my case to be resolved yet because of the incompetency of suntrust employees and false accusations that I haven't tried to sort this out with them is a complete lie! I have supported all documents and more what else do you want!! I've talked to several agents and I keep getting the same feedback and nothing has been done. I've provided all documentation : bank statements and letters that prove I've paid on time. They are still pretending to not have the money. This is ungodly and immoral to the tenth degree. 

I also filed a dispute with XXXX  to make them aware of what is being done to my account. 

Also suntrust has sent another breech of letter and a statement of XXXX. They are planning to ruin my account and credit. I don't how else to express this is plain english and no one is doing any thing to help me. I'm clearly not dealing with any human beings!!
Product: Mortgage

I have had many problems with Ocwen trying to work with my mortgage. I had a modification on my home in 2010 and it was never done proper. I tried to challenge the amount and got nowhere. So I just took the charge and continued to pay what they said I owed so we would not be homeless. Now, due to increased medical bills I have had some missed payments and late payments, and Ocwen has refused to work with me for over a year. I finally agreed to sell the house, if I could do a principle reduction so I could do a short sale and not be impacted with a huge loss. They notified me last week thru mail that my home is set for auction on XXXX XXXX in foreclosure sale. I explained again, my spouse is a verteran, XXXX, and I work part-time. I am willing to sell the house and start over, but I have no where to go and no money, with such a short notice. Medical bills are constantly increasing even with XXXX. I do n't want to throw all our money away that we have put into the house. They spoke with me on the phone and said I needed a CASH buyer or the house will be sold on XXXX XXXX. I asked them to please work with me for a half- short sale so we can get some relocation money. They said they want the house back first and then they will consider the relocation money. Can you please reach out and ask them to consider a mortgage reduction for a short sale or half short sale with a relocation package. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX  is still reporting this fraudulent information to my Equifax and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX is a % of daily sales, not a fixed amount. Please review. 

The approved XXXX XXXX XXXX for {$30000.00} is related to your XXXX account XXXX. 

Please, send me an email to XXXX or call me at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have requested a Free Annual Report from Lexis Nexis through certified mail along with a copy of my SSN card and ID. I still have yet to receive my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Requesting more information on the denial as it stated due to prior existing Discover account. I have no knowledge of an existing account or prior account balance that would cause a denial of future products. Therefore, I need clarity and information on this alleged existing account.
Product: Mortgage

XX/XX/XXXX I purchased my current home from the HOA for XXXX. I moved into the home XX/XX/XXXX. There were code violation that we manually fixed. In XX/XX/XXXX I attempted to put my home on the market and when doing the title search and trying to find what the payoff truly was it lead us to XXXX XXXX that has stated they do not have any info on this house. There were no letters being sent showing the current mortgage company attempting to collect. No foreclosure or default notices from XX/XX/XXXX all the way to XX/XX/XXXX and before I bought the house it was sitting vacant for a year. Somehow the realtor I was working with found that Nationstar Mortgage was servicing the loan since the original company XXXX XXXX  had shut down in XX/XX/XXXX. The last assignment shown was XXXX XXXX. After talking to Nationstar we found out there were not any payments made since the origination of the loan in XX/XX/XXXX. I decided not to sale seeing the profit was not gon na be what I had planned. After this nationstar tried to collect from the previous owner since the loan was still in his name though I had deed on the house. the bottom line is they trying to foreclose on my home without proper proof of validation of a real instrument of Debt. They are acting on behalf of XXXX XXXX that has nothing to do with my home. I sent a letter for proof of a real debt. They responded to me saying they received my correspondence and will respond by XX/XX/XXXX. The sale date for auction on my home is XX/XX/XXXX. This matter is not cleared up and still being investigated. I am confused how they can sale my home without proper proof and while it is still being investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX, Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws.

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX original creditor Easy Money, reported XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX. I have contacted Easy Money and they stated I do not owe this debt and they could not find a debt that I owed to them. This debt is not mines. Please remove this collection off my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have one collection account and 4 inquiries on my credit report I do not recognize. 
Which includes : XXXX XXXX XXXX for {$3400.00} Date of this account is XX/XX/XXXX. I disputed this account multiple times. I called to tell them I do not recognize this account and it still remains on my credit report. Also there are 4 inquiries which are Barclays Bank Delaware and XXXX. Barclays Bank Delaware dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX inquiry date is XX/XX/XXXX. I have no knowledge of any of these accounts.
Product: Credit card or prepaid card

Applied for a business gold rewards credit card with a welcome bonus of XXXX points. Never received ANY popup, which said that I am ineligible, never had the card before, never violated any terms on other cards. 

After 2 months and 2 investigations, XXXX reps failed to provide ANY reason, except for some vague language " based on customer information and prior relationship we can not give a bonus ''.
Product: Debt collection

XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX Phone call states it is the XXXX XXXX XXXX XXXX, calling for XXXX XXXX, file # XXXX. To call back @ XXXX. I called repeated times to have them remove our phone number. We are an elementary school and do not have an employee named XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

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

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

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for over a year to get BB & T Mortgage to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden mental breakdown on XXXX XXXX, XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a skilled XXXX facility and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's mental breakdown my son spoke with our local BB & T who granted an extension for XXXX XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX XXXX XXXX XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written BB & T several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local BB & T manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that BB & T has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XXXX thru XXXX XXXX. Your help will be appreciated.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Mortgage

The appraisal on my home was valued significantly lower than what my home was truly worth. We talked about the comps being close to $ XXXX and potentially what it could be approved for based on the surrounding homes and their value. The comp that was used to complete my appraisal was from XXXX .. of course those prices would be lower than that current year we were in. During this process while asking for clarification and better explanations, I was ignored. Mr. Cooper misrepresented what what could do for me and then claimed they had no say so in the appraisal process. As a young, XXXX American home owner, Ive seen this a lot and refuse to let it happen to me. My realtor was walking me through all of the steps. The appraiser was cold, and literally was in and out in XXXX min XXXX secs
Product: Debt collection

On XX/XX/XXXX i had cancelled my account with XXXX to switch over to XXXX. XXXX offer to pay out my contract with XXXX since Im switching over. XXXX paid the remain balance which was XXXX dollars. But XXXX keep billing me after XXXX paid it off and the devices was returned back to them. I paid the XXXX XXXX XXXX XXXX XXXX in month payment of XXXX each month because they said if i pay XXXX it will be considered the account paid in full. Now i have this collection agency Jefferson capital calling saying i owe XXXX for the XXXX bill.