23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complain is against the Banco Santander of XXXX XXXX, Puerto Rico. The Bank made a mistake in their systems and sent incorrect information to the credit bureau 's agencies, XXXX, XXXX, XXXX and XXXX. Since XXXX XXXX 2004 I have a mortgage loan with Banco Santander from which I was and I 'm the primary loan owner. All my credit history was reflected in my credit reports for the past eleven years until a recently. A change was made in the mortgage loan account to remove my ex-husband from the account ( as agreed on the divorce settlements and court ). " Apparently '', a mistake was made by the bank were their systems sent the incorrect information to the credit agencies and all my eleven years of credit history were eliminated and transferred to someone else. During the process to open a dispute with XXXX and XXXX to correct the error made by the bank, I learned that they transferred my credit history to someone else ( apparently my ex-husband ) by the instructions or information received from the bank. I contacted the back to inform them about the error and to open a dispute to restore my credit history and to reflect my current balance due in the credit reports. Today, the bank has not yet contacted any credit agency to correct the error. All my credit history was deleted from the Transunion data systems and even do I sent them evidence to prove that I 'm the owner of the account they ca n't restore the data until the bank resubmit my credit history. My mortgage loan payments and history are now reflecting in someone else report and since the error occurred ( close to 2 months ago ) every payment I made to my loan y going thrust someone else credit account. I need your help to restored my eleven years or credit history in my credit report and to reflect accurate data which includes current amount due and the payments history. I have all the necessary evidence to prove that I 'm the owner or the loan and the property in question. I 'm afraid this could be a security breach or something done intentionally to favor someone else that has not rights over the loan, the credit history or the property purchased with this loan. I 'm concern that the bank is not taking the necessary measure to contact the credit agencies and fix the issue. None of the process issues to report listed in your first question of this complain is applicable to the issue that I 'm complaining about.
Product: Money transfer, virtual currency, or money service

Hello, I opened an account with " Gemini '' crypto exchange through their app and purchased a cryptocurrency in late XXXX. The process I used for funding my account was a wire transfer, so the hold on the assets should have been at most 3 business days. 
When I tried to transfer the crypto to my own wallet on XXXX XXXX, I came across a security message that I can't do so. I reached out to their support and provided all the information they needed in less than 12 hours.

After more than 3 weeks, they haven't resolved the issue and their support team has been neglecting my emails on clarity about why the process is taking so long. 
I'm worried for my investments, as it is almost all my savings and worth more than $ XXXX. The crypto exchange is not a safe place to store crypto and I prefer to transfer my investments to a safe personal wallet. The support team 's neglect in responding to my emails adds more to the frustration. 
Would appreciate your help on the matter.
Product: Debt collection

Multiple people called from Direct Capital, claiming to have an account of over {$11000.00} in my name for a bad check, said they would settle for {$1000.00}. They also claimed they were a mediation company and did not have any information other than the amount owed. Would not give me any information regarding the account or what it was for - when I asked for more information and documentation, I was hung up on by a representative as well as a supervisor. I recorded the conversations for documentation. I called back 3 times, each time to be yelled and berated by the representative. I told them I would not settle anything or confirm anything until I received documentation showing what the debt was for. They sent me an email that did not display any of the information needed and have continued to call, from varying numbers as well as my work. This is not only frustrating, but embarrassing. If I do have a debt, I will take care of it, but so far it seems like they are a scam harassing people for reasons they are not willing to disclose.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXXL | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting

There is an address of XXXX XXXX XXXX, XXXX, CA XXXX, that is listed on my report. I have never lived at this address. Until just over 2 yrs ago, I lived and worked in XXXX XXXX County for over 30 years. Can someone please remove this address from my credit reports? I do n't know where this address came from but it is incorrect.
Product: Vehicle loan or lease

I paid Wells Fargo to release my vehicle XX/XX/XXXX at XXXX XXXX ( pst ) from my XXXX  XXXX XXXX account with my debit card. 
I was told ( by the Wells Fargo Representative ) that I would be able to retrieve my vehicle within 4 hours from a company, XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX. 
I went to the XXXX and was told by XXXX XXXX, that the release form was never sent and they would be closed at XXXX XXXX. It was XXXX XXXX ( pst  ) The Wells Fargo representative said he sent the release form and it was received when I called him at XXXX XXXX. He said he would send another and that would make two that he sent to release my truck. I do not believe Wells Fargo even applied my truck payment when I went into Wells Fargo and paid them in XXXX. 
My Wells Fargo Auto Loan number is XXXX. 
My vehicle is a XXXX XXXX  XXXX XXXX, VIN XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is attempting to Collect for a card that was identity thefted.
Product: Debt collection

I have received multiple emails from Firstsource Advantage regarding a balance that they are insisting that I owe in the amount of XXXX from XXXX XXXX. XXXX On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I sent, by certified mail, a letter to the address of XXXX XXXX XXXX XXXX XXXX . NY XXXX, which is the address that they have listed in the email for mail correspondence. Every time the letter was delivered and I have proof that it was. Within the letter that I sent, I asked them to provide documentation verifying the debt that they claim that I owe them. I have not received a response from Firstsource Advantage even though I have reached out to them multiple times to clear the matter, instead I just keep receiving emails saying to contact them, which I have.! I have not done any business with XXXX XXXX XXXX therefore the debt is not mines!
Product: Checking or savings account

This Complaint is against Wells Fargo Bank. As per records on person : Claim # XXXX. 'This Claim was filed on your behalf in dispute of ( XXXX ) transactions made on a Platinum debit card ending in ( XXXX ) totaling {$9100.00} on XXXX XXXX, XXXX through XXXX XXXX XXXX. During our investigation of the claim, it was determined that you did not authorize the transactions. A letter was issued on XX/XX/XXXX. XXXX, stating that the Provisional Credit of {$8800.00} would be made permanent.

The replacement money of {$8800.00} was placed into an account without my knowledge nor approval- into an account not opened by myself, and under the control of the identity thieves- as countless phone calls, Emails, letters, and various communications to W.Fargo, - still W.Fargo would give me no help, nor give me any information on accounts in my name. This is my first experience with identity theft, however I am very ( OCD ) organized, detailed, keep notes on everything. etc. I had accounts disabled and deactivated to prevent all of this, when I first noticed my account Email had been hacked. 
And this is how the identity thieves restole the {$8800.00} again. In addition, the thieves had overdrawn one account for - {$1600.00} and also another of my accounts for - {$760.00} in my name at Wells Fargo. Wells Fargo has been a " XXXX XXXX '' for identity thieves And not to mention the hundreds and hundreds of hours of time and expense on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached accounts that I've disputed the investigation and how they are verified. This is final dispute as it time to start seeking remedy and compensation for this accounts still being reported inaccurately. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.
Product: Student loan

Hello, this is a follow up on complaint XXXX, which I have been unable to successfully resolve. Specifically, in my previous complaint I had asked my servicer University Accounting Service ( UAS ) for documentation showing that the listed lender " XXXX   XXXX  XXXX  '' ( XXXX ) was the current legal owner of my student loan debt. I asked this because 1 ) the provided master promissory note does not mention this lender in any way, and 2 ) there was no listed contact, webpage, or any searchable online presence of this lender that would allow me to contact the lender and ask for proof of ownership, and 3 ) I have had a number of issues already with this particular loan that have led me to question its validity ( please see complaints XXXX, XXXX, and XXXX ). 

As a response to my previous complaint XXXX, UAS provided contact information ( including email and telephone number ) for the person they have listed as the chief financial officer for XXXX, Mr. XXXX XXXX ( see attached response letter ). Since then, I have emailed Mr. XXXX on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, see attached for copies of emails ) politely requesting that Mr. XXXX provide documentation that he or his company are the current legal owners of this debt. I also had a phone conversation with Mr. XXXX on XX/XX/XXXX in which Mr. XXXX explained to me that XXXX had acquired the loan from the original lender years ago, but he did not say that he was willing to provide proof that he or an active organization in his name currently legally owned the debt. 

I think that it is within my rights as a borrower to confirm that the student debt I owe is legitimate. In this case, I think that it is fair at the very minimum to ask that either UAS or Mr. XXXX provide documentation showing that 1 ) XXXX  is an active lending organization ( I can not find any website or contact info for it online ) and 2 ) that Mr. XXXX or an active organization he runs bought this student loan from the original lender ( ie, establishing chain of title ).
Product: Student loan

I have been paying off my private loan for 8 years, and my balance has gone up over that time, rather than down. I have made numerous phone calls to talk about different payment options, and have been hung up on.
Product: Debt collection

I was contacted by ADR XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called XXXX XXXX XXXX. 

XXXX XXXX XXXX has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

ADR XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Product: Credit card

Chase informed me yesterday that I had to pay a debt that they say I had in the amount of {$2000.00} in order to have credit. This is discrimination. Please read everything here. Chase placed a 30 day late payment on my account ending in XXXX and I am requesting full documentation on this incident since the opening of the account and the removal of this from my credit reports. This was a new Slate card just opened and I never received any kind of statement of notification on this new account. I was also charged a late fee at the time and contacted Chase. They realized their mistake and removed the late fee but refuse to remove the XXXX late on my reports. I have been in the banking industry for years as Credit Manager, Supervisor, Underwriter and this is just wrong by Chase. I also need this info to present to my attorney for action toward Chase. I responded to Chase 's email yesterday and contacted them by phone about this 30 day late again and they refused to do anything. I have been trying to resolve this for quite some time with no luck. I closed all my accounts with them because of this incident over XXXX in credit. Yesterday by phone they informed me of a specific debt collection on a Chase account that I have no idea what it is and they informed me is was a converted account through Chase but they had no idea what it was. Chase must really have issues, here is my question. If I had a collection for an account through Chase some 15 years ago that was never collected on, why would I then be approved and have XXXX cards through Chase with limits over XXXX after the fact? I asked them that question yesterday to only get no response on the subject. One of the many representatives did comment however that it makes no sense and she had to refer me to another person. Also payments were always made on time on all my XXXX cards through Chase. What is going on over there. Please send me info on this other account you say I had and remove the 30 day off my account ending in XXXX. This is a great example of bank corruption and how it negatively has an effect on the consumer who gets the blame. This is discrimination and defamation of character to the consumer. How can Chase issue XXXX credit cards that I have had for years and then give me the reason for denial of credit because of an account I have no idea about that was in collection so they say but have no idea. I have worked for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Chase has issues and very very poor customer service. Why if I was so wrong would I close all my accounts through them? I can not believe they can get by with things like this.
Product: Debt collection

Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. 

Now again they sold the debt to Convergent Outsourcing , Inc., act # XXXX and XXXX XXXX, XXXX act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX documentations from XXXX and XXXX XXXX showing that the amounts have been paid and settled. XXXX continues to show the wrong amount. They are not doing a complete investigation as stated. This issue has happened a number of times and I would like your company to report that the credit bureaus are not doing a complete investigation as they state on their websites.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), they may be liable for false reporting.
Product: Mortgage

I received a supplemental tax bill from my local county tax collector in early XX/XX/XXXX with a bill for {$300.00} that is due on XX/XX/XXXX, XXXX. I called my mortgage servicer, American Pacific Mortgage and was instructed to scan and send the bill via email to their email address, XXXX. I emailed the bill to them on XX/XX/XXXX. I did not receive a response from them confirming that they received or paid the bill. I sent an email on XX/XX/XXXX to follow up to see if they had received my request and again I didn't receive a response. I called again on XX/XX/XXXX and was told that in order to process the tax bill, I need to hand write a letter, sign it, scan it and email it to the same email address provided. I sent an email with the letter of authorization on XX/XX/XXXX and did not receive a response. I called again today, XX/XX/XXXX and was told that the tax bill was still not being processed and that there is a 7 day turn around to get it processed, the 7 days starting today, and it may be sent late. American Pacific Mortgage has continually failed to take action on my requests and instructions and has failed to provide the service for which I have paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach, I did what Equifax recommended I do : I put a freeze on all of my accounts with them, XXXX XXXX and Experian. 

Apparently, as part of the settlement with Equipfax they were ordered to offer free credit monitoring services to consumers for 3 years or a {$120.00} stipend to anyone to start these services for a 3 year period at their cost. Information was emailed out to consumers telling them pick one or the other.. I completed Equifax 's submission for the {$120.00} stipend and sent it back to Equifax, As far as I can tell, this settlement was a ploy to get consumers to subscribe to credit monitoring services and an admission that Equifax can't guarantee protection of my data that I didn't give to them in the first place and didn't give them permission to have and accumulate.. 

With my accounts frozen, I don't need credit monitoring services. Now Equifax is arguing that I didn't meet any criteria for receiving this {$120.00} stipend after following their initial advice to simply freeze my credit. 

Are they now saying then even with a freeze on my credit file that they can not protect my data.? It coast me a fair amount of time and personal record management to manage pin numbers and website to place these freezes on my accounts and moving forward every time I need to open it, I need to spend time to manage that process. 

SO in the end unless I agree to get credit monitoring services from the same company that couldn't protect my data in the first the idea of " damages to me the consumer '' does not apply.. 

I believe I am entitled to take that {$120.00} and use it as I see fit.
Product: Debt collection

I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws.These remarks have been detrimental to my life and credit health.
Product: Debt collection

This debt collector put negitive information on my credit report without my knowledge. I asked them to send information that gives them the right to collect and the contract and the original amount between them and the original bill company. They refuse to show me that. For all i know they could habe bought the debt for XXXX dollars and tring to charge me full price of XXXX. Nothing I have shows a contact that they have the right to this debt. After all this they keep messing with the balance and rising it. There only verification was a copy of the medical information that was from the hospital. Its my understanding they are breaking Hippa laws. I did not give them the permission to view these medical records and what happened in the hospital.