23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX my mother passed away unexpectedly. As Beneficiary of her property left me to pay her equity, utilities, and other payments alone. I am XXXX  and receive Social Security benefits to live. I have lived with my mother off and on for over 35 years paying rooming expenses, and working where I can. I purchased a car in XX/XX/XXXX for us after the car we had for transportation was too expensive to repair. It was left to us in my father 's will when he passed. The car I had before this had been stolen, wrecked, and a hole punched in the gas tank rendered it useless. In the past I have been on time with my payments, insurance, and taxes but it very difficult for me to maintain the same payment regimen without mothers Social Security and Pension that supported us both. I can no longer afford to make the past due amount of {$750.00}, there is nothing left of my benefits after the Mortgage and utility payments are made. When I spoke with a representative to request a reduction in payments for 6 months or more my request was denied. He did offer to allow me 30 day delay to make a regular monthly payment that would be retroactive to not reflect the lapse. I was not able to comply due to heavy expenses of paying utilities that had threatened to be shut off. A recent letter stated if past due payments were not received by XX/XX/XXXX the lender is prepared by law to take repossession action to recover their loss and any under payment they received as a result would be billed to me. I am not arguing their right by authority to repossess the car, but I do wish to mention that since I have had the car I have received at least 3 Recall Notices for mandatory repairs that were required legally and deemed unsafe malfunctions. Although I never had to pay for the repairs, it is scary to know the car we were driving may have dangerously faulty parts that may malfunction at any time. I feel that I should not have to owe them anything if they repossess the automobile. I realize I will be out of a way for private transportation, but public transit is a possibility I can utilize even though I have a XXXX, walking is difficult and painful at times for me. This was the main purpose of purchasing an automobile, it did not matter if it was shiny and slightly used or a XXXX XXXX rebuilt as long as it could safely take me and mother to and from our destination. I am hoping the lender will allow me additional time, with a reduced monthly payment but I seriously do not believe this will happen. On the other side, if the lender repossesses the auto then give me some credit for timely payments, mandatory repairs, and omit any interests they may claim I owe them as a result of their actions. I would like to keep the auto, but if letting them repo it is a solution to the past due amounts I will not stand in their way. 
I hope a mutually compatible agreement can be reached either way. Thank you for any help you may be able to provide. Sincerely,
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries on my credit profile XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX we received a letter from CKS Financial, a debt collector. They said I owe {$1700.00} to XXXX Bank for a XXXX account. My husband and I thought it was spam because we never had an account with XXXX Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. 

I checked XXXX XXXX and I learned that a XXXX Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly 200 points. My credit score is usually over 800. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to XXXX Bank customer service and found out that it was a XXXX  XXXX loan and not a XXXX XXXX credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. 

I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. 

On XX/XX/XXXX we also reached out to CKS Financial to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. 

XXXX Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. 

On XX/XX/XXXX we received mail from XXXX Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.
Product: Debt collection

On my XXXX credit report it is reporting as a charge off account. However I never received the 1099 to add to my tax information as if the account is reporting charged off that means the debt was filed as a loss on the companys taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the account California XXXX XXXX XXXX on my report and they keep verifying that it is accurate after being provided physical evidence of it being paid off already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, authorize nor benefit form any of the filling inquiries, block and remove them immediately pursuant to FCRA 15 usc 1681c-2 XXXX XXXX XXXX  XX/XX/2022 and XXXX XXXX, 2022 A collection from XXXX  XXXX reporting on my consumer report around XXXX XXXX, 2022 in the amount of {$180.00} is in violation if the FDCPA I have not entered into a contractual agreement with this company and there was never an initial communication between us. XXXX XXXX obtained and furnished my personal information without my consent which constitutes identity theft and a violation of my individual privacy rights as consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( A ) ( 2 ). Therefor needs to be removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX Dear, I agree to pay the following financial obligation regarding account number in XXXX which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

see attached. 

Transunion continually ignores my disputes, there are items reporting on my credit report in error, I sent disputes along with an FTC report and received a generic response back.
Product: Mortgage

Trying to assume loan on property I live in, that became mine after my mothers death. Tried modification 3 times, each time they come up with reason why it hasnt been approved such as missing documents after those documents have been sent. Just completed another trial modification and now am told they need proof that I can legally make modification. Assumption of loan was done over a year ago with documentation!! Now theyre asking for it again and telling me I have to start over again!!!!
Product: Student loan

I have a few problems. I am XXXX XXXX XXXX with very old student loans. I want to enter repayment and instead keep being put into an in school deferment. I can tell them when I call both studentaid.gov and Aidvantage, the CSR rep is citing information I can read online and not really looking at the details of my loans. I applied for a consolidation with a payment plan. Biden advertises that under the Save plan, i can file married filing separately to lower my student loan payment which I am willing to do even to the tune of owing the IRS XXXX which is fine. I am willing to do that. To my horror and disgust, I learn that when filing my taxes I have to include half my husband 's income anyway, because we live in a community property state. My husband and I have separate checking accounts, split the bills and I do not have access to his income. He would be FURIOUS if I had a large student loan payment and would not help me with it because most of the loans were taken out prior to being married. But apparently, I will pay taxes on half his income anyway due to where i live. This has become a nightmare. So Biden 's plan is completely false advertising and not beneficial to someone living in XXXX of the XXXX community property states and my loan will be based on income i don't have access to anyway. In addition, I believe something was messed up with all the transfers of my student loans to different services over the years and can't find a way to account for each month of each year i had a student loan. I have no idea what to do about any of this.
Product: Mortgage

Hello, Please support me with the issue that appears after the second appraisal. 
I'm trying to understand and find a solution. 
On XX/XX/XXXX, the bank ordered an appraisal, and the report returned with the opinion value of {$600000.00}. After a few days, the bank ordered another appraisal, and it returned with an opinion value of {$560000.00}. 
The difference of {$49000.00} between two reports made by the same person, and the fact that XXXX from the XXXX comps were excluded and replaced with the new XXXX without any explanation. From the XXXX new comps, XXXX is in the status under contract, another is in the status Active, 70 days on the market with the price adjustment, and another has been back on the market four times with a total of 130 days on the market. Also, was used as a comp, the house that is XXXX older than the subject of the property. 
Extra amenities such as pool with the new pump, fancied backyard, cul de sac lot, patio, roof from XXXX, new heat pumps from XXXX, new carpet, new countertops and the kitchen sink, was not considered or have a low value in report. 
I have submitted the rebuttal form to the bank, but unfortunately the terms of that form seriously limited me becose I can not use the comps that was used by the bank appraisal. Taking in consideration the fact that the bank made appraisal twice, and used in total XXXX comps, I do not have much choice, also terms are limited me with the distance to the subject of property, so comps that has left was or with the higher distance, or irrelevant.
Product: Money transfer, virtual currency, or money service

I wanted to book a hotel and pay with Paypal. I used an online Master Card gift card saved in my Paypal account to book the hotel. The transaction proceeds as normal and I get an email confirmation about my purchase.

I later find out that the Master Card gift card I authorized to pay for the purchase was not used and instead Paypal charged a Visa card I had saved to the account in the past.

This is a deceptive practice on Paypal 's part. At no point did they email or state on the website during the transaction that my Visa card was going to be charged because the Master Card was not charged. Had I known they weren't able to charge the Master Card then I would have used a different card to complete the transaction and not the Visa card on file.

After I saw my Master Card was not charged I called Paypal and the message I got stated they were unable to book my trip. I then booked a different hotel on a different website because I did not have a hotel reservation.

Paypal has my money for a trip they said they were unable to book and that I never used. Paypal 's unauthorized use of my Visa card has caused me to incur an overdraft fee as well.
Product: Money transfer, virtual currency, or money service

Robinhood locked XXXX of the cash in my account. Claiming the error was on my end. 

I sent them screenshots and followed every step that they claimed would free up my account. 

They literally gave me a run-around like some scammer. I XXXX this problem to discover that it is a common one. This is not acceptable behavior, especially not for an institution that handles consumers money. I honestly do not know how they are still allowed to conduct business in the United States.
Product: Credit reporting or other personal consumer reports

To whom this may concern, this is one of the countless times I have attempted to report unusual activity on my consumer report, however, I seem to get no response. According to the Fair Credit Reporting Act, it is a violation of my consumer rights ( ref. 15 USC 1681 ) for consumer reporting agencies to report information of my consumer report that I didn't authorize nor permit to be on my consumer report. 

The following inquiries I didn't authorize on my consumer report : 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  I WOULD LIKE FOR THESE ITEMS TO BE REMOVED FROM MY CONSUMER REPORT.
Product: Credit reporting

We requested a free copy of our credit report and noticed that a tax lien from 2007 was not relecting paid and released. We were able to get certified document from the State of Ohio stating that the debt was released and were instructed to send this document with a request to have the change reflected. Experian is refusing to accept the official documents and is stating that they made a correction when in fact the " updated '' copy of our credit report still states the same thing - State Tax Lien Filed and there has been no update.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which sill appears on my credit report, even after your investigation. I would like this item immediately Re-investigated. The inaccuracies are highly injurious to my credit score Account name XXXX XXXX  Account XXXX In accordance with the fair credit reporting Act, Public law 91-506, Title VI, Section 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an update copy of my credit report after your reinvestigation
Product: Mortgage

I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX. 
Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage. 
XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan. 
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX  in XX/XX/XXXX under the account number XXXX, a credit card account opened with XXXX  XXXX XXXX in XX/XX/XXXX with account number XXXX, a credit card account with XXXX XXXX in XXXX XXXX with account number XXXX. An account with XXXX in XXXX XXXX with account number XXXX credit card account with XXXX XXXX  XXXX XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Mortgage

On my preliminary papers it's say Mt rate could go up.to 6.90 % with Discount points approval 2.00 % this is a VA loan for XXXX  years loan amount XXXX $ MY Rate lock is XX/XX/year> at that time VA interest rate was 6.187 % on XXXX of XX/XX/year> on my papers thay put XXXX fixed rate I called told XXXX XXXX XXXX he was.my loan officer he said because I didn't put.any money down that's the reason I had a high interest rate. He also added closings cost to My. Loan of XXXX $ my total loan was XXXX $ it was only XXXX $ .He said.because.i didn't have any money down again.I had a XXXX  day rate lock that's started on XX/XX/year> and VA XXXX yr rate XXXX not XXXX is thus because I didn't have any money down I think im.being am a XXXX War veteran with XXXX other thing I know I'm trusting but something seems wrong XXXX XXXX