23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I divorced in XXXX, and as part of the final divorce decree and property separation agreement, 1 of our homes ( XXXX ) became my ex-husband 's full responsibility. I remained responsible for our XXXX property. My ex-husband failed to maintain the mortgage on the XXXX property and I have been working with the mortgage company, Capital One, for years attempting to resolve this matter. My ex-husband 's failure to maintain the mortgage has affected my credit and has the potential to affect my security clearance. Because of the negative impact on my credit, I could not refinance the XXXX home and lost that home to another financial institution. I was completely overwhelmed with trying to work through issues with the divorce, the IRS due to my ex-husband 's failure to pay taxes ( which I have since resolved ) ; and the two mortgages ( XXXX & XXXX ). 

As it relates to XXXX and Capital One, I first tried to short-sale the property and received an offer on the property. Capital One failed to respond to the offer. I then requested a deed in lieu ( DIL ), when it became apparent that my ex-husband was not going to maintain the mortgage or work with the bank toward another resolution. By letter dated, XX/XX/XXXX, Capital One approved the DIL, but asked me to pay {$3000.00}. Capital One, however, subsequently closed the file on or about XX/XX/XXXX, because title was not clear, without giving me or my ex-husband the opportunity to clear title. I had been in contact with Capital One at least 4 times between XX/XX/XXXX and XX/XX/XXXX, and they failed to inform me that the title was not clear. I subsequently retained an attorney and cleared the title and requested that Capital One reopen the file. They did. Capital One then asked that we obtain home insurance on the property. Unbeknownst to me, my ex-husband allowed the mortgage insurance to lapse on the property. Nonetheless, we obtained the home insurance, as requested. 

I learned on Monday, XX/XX/XXXX, that Capital One is offering a loan modification, and not a DIL. Even though by court decree I am not responsible for this property, I have been trying to work with Capital One in good faith for years to resolve this matter. My divorce was hard enough and Capital One continues to make me re-live the stress of this situation. I have made no less than 40 calls to Capital One over the course of the last year, but Capital One continues to keep moving the mark and are not working with me in good faith to resolve this matter. I have retained 1 attorney to help with the title issues and paid another attorney for overall guidance on this issue. I am contacting CFPB, because my efforts have proven fruitless and Capital One is refusing to operate in good faith. Accordingly, I would appreciate assistance with bringing this issue to immediate closure.
Product: Vehicle loan or lease

I received a vehicle through a XXXX XXXX bankruptcy program from a dealership in XXXXXXXX XXXX XXXX XXXX XXXX ). I was told financing would be handled through Arivo Acceptance. The car was delivered to me with a XXXX temporary tag, and I signed a contract under the belief that everything was finalized. I was later told I just needed to provide additional income documentation. I provided that information as I was told they needed it. 

On XX/XX/year>, I contacted Arivo directly to check on the status, and they informed meon a recorded callthat the application was declined and that I am not a customer in their system. I was never notified of this by the dealership and had been operating under the belief that the financing was still pending. 

I also confirmed with the XXXX XXXX that the vehicle title is still registered in the dealerships name, and there is no lien filed. Despite all of this, the dealership has failed to provide : A written cancellation of the contract A release of liability Confirmation that no derogatory credit reporting will occur I am requesting CFPB assistance in ensuring : I receive written documentation that the contract is void and I am not responsible for this vehicle My credit report is protected from any false or retaliatory reporting The dealership is held accountable for misleading and deceptive conduct involving a vulnerable consumer in bankruptcy. 

I specifically asked for documentation after learning from Arivo Acceptance on XX/XX/year> that my application had been declined and no file existed under my name. The dealership had never informed me of this and continued to imply the deal was in progress or does not respond to my attempt to clear this matter up.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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
Product: Debt collection

XXXX**DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding your account # XXXX. 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 XXXXVALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including threatening calls must cease, moreover credit report deletion. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXX XXXX XXXX of 2017, and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at buying a home or securing a solid credit card.
Product: Debt collection

The company  First Source Advantage  keeps calling for a  XXXX   XXXX . I explained I do not know this person and requested that my number be removed. They keep calling repeatedly with over 80 calls logged in the last month.
Product: Money transfer, virtual currency, or money service

I was the victim of wire transfer fraud on XX/XX/2023 in the amounts of {$5000.00} to XXXX XXXX at XXXX XXXX XXXX and a within-bank wire transfer to XXXX XXXX in the amount of {$2500.00}. I was reached out to via telephone call by an alleged Chase Representative by the name of " XXXX [ Last name Unknown, starting with XXXX ] from the Chase service number indicated on the back of the card XXXX. This individual discussed the fraudulent charges with me and created a claim for reversal during the call, allegedly. " XXXX '' confirmed my identity of myself and ensured that was calling from Chase by triggering secure messages within the Chase online banking application such that a pop-up from within the application for online banking came up prompting a Yes or No response to the question " are you on the phone currently with our representative? '' ( this may not be the exact wording but to this effect ) before I could continue to see information within my account. This triggers clearance for ongoing internal affairs at Chase Bank, such that the representative could file the claim. The representative created the claim and scheduled a call back for the following day, XX/XX/2023 at XXXX PST or XXXX EST. Upon not receiving this phone call follow-up, I called Chase Bank back to which I was told that they had no records of the call. They stated they filed a claim at this point, sent an expedited debit card, locked my online banking, and sent out a forgery packet. They refused to give me any details about what happens next, timings, expectations, or any details. I find this frustrating especially given the fact that one of the transfers was made to another Chase account, meaning they may likely be able to review the details of the transaction. On XX/XX/2023 I filed a police report and again visited a branch location wherein I was told that my claim was denied given that I 'authorized " the transfer. This is untrue and upon telling the branch manager this information, I was told there is no appeal process or further investigation that may take place. She indicated that a " wire recall ' was enacted and she 'escalated " the case. She called the claims dept with me present and received the same little to no information that I had received and told me to call the claims dept again. I went into the branch again today and again received little to no information ; the same information as last week. I believe there is social engineering at play and someone within Chase Bank is working with a Fraudster to obtain funds, among other personal theories given the sheer amount of information they would've needed to obtain for these transactions to take place. I have made XXXX and the local XXXX XXXX XXXX Police report. The funds that were stolen from me were funds from my XXXX student loan remainder following paying tuition and are the only finances that I currently have to live on ; I now hold less than {$5.00} in that bank account with Chase Bank doing nothing to inform or assist me.
Product: Student loan

XX/XX/XXXX : Logged in to my XXXX XXXX account online and updated my direct debit to increase the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Saved the confirmation that the changes had been successfully made for the direct debit payment scheduled for XX/XX/XXXX. No changes were made to the bank account used to make direct debit payments. Direct debit payments have previously been withdrawn from this same bank account since XXXX. This bank account had more than enough funds to cover the direct debit withdraw on XX/XX/XXXX. 

XX/XX/XXXX : Logged in to my XXXX XXXX account online to update my direct debit to decrease the amount to be automatically withdrawn for my XX/XX/XXXX direct debit payment. Viewed payment history and saw that the last payment had been withdrawn on XX/XX/XXXX. Searched my account information and could not find any direct debit payment withdraw on XX/XX/XXXX as scheduled. Checked the bank account the payment was supposed to be withdrawn from and no withdraw had been made. Contacted XXXX XXXX through their online messaging system asking that they address the issue and reverse any outstanding interest accrued as a result of their mistake. 

I am waiting to hear back from XXXX XXXX but this is not the first time they have made a mistake and mishandled scheduled payments. My interest rate is fixed only if I do not miss a payment. XXXX XXXX is jeopardizing my fixed interest rate and the fair payoff of my student loans with their irresponsibility, lack of transparency, and a broken online system that does not carry out payments as scheduled and confirmed. These types of mistakes are costly to citizens making great effort to pay off their student loans and should not be occurring. I do not trust, as a direct result of these issues, XXXX XXXX practices and policies. I will be looking into switching back to my previous student loan servicer, XXXX, which NEVER missed a direct debit payment nor misled me about how my payments would be handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called Capital One directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. Capital One said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by Capital One, but Capital One claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under XXXX account number XXXX, an auto loan account opened aXXXX XXXX XXXX XXXX XXXX XXXXnder the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX XXXX XXXX XXXX XXXX XXXXs proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Since its inceptionI have been cheated by Option One, AHMSI, Homeward residential and ultimately By Ocwen, I even HAd XXXX of AHMSI employees XXXX XXXX admit I was defrauded after he viewed XXXX different mortgage analyst look at my info and they both came up with conflicting views even though they both worked for AHMSI.Curently Ocwen has refused to give me a modification always requesting the same info even though it was faxed on numerous ocassions and even mailed, See document for fax log and you will see large amount of faxes going to a XXXX exchange in XXXX and XXXX showing the info did get to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay I sent Equifax information service a dispute letter XX/XX/2022 asking them to validate some accounts thats on my credit report. Because Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in they files. So I wrote the dispute letters asking them to carefully verify those accounts which are XXXX Finace XXXX XXXX XXXX service and I have been proof I sent them dispute letter through certified mail. Asking them provide me proof such as a sign contract with my signature but Equifax failed to do that so XX/XX/XXXX I received a letter from them stating they verify those account are accurate and they are mines they didnt send me any proof no documentations Equifax information Service have ignored my request to provided me with the documents that they have in they files that was used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncomplia eral Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

The accounts that need to be removed immediately are XXXX XXXX {$410.00} XXXX XXXX {$270.00} And dont write me back and say they were verified Im looking for any documentation the creditors sent to your company to prove this account are mines and I have all the proof. So please remove these unverified accounts from my credit Thank you.
Product: Mortgage

I called Faye Servicing to inquire if/when my loan payment would be recalculated if I made an {$80000.00} principal paydown. I received the attached letter of XX/XX/year> which said yes my payment would be recast if I paid a {$250.00} fee and sent in a certified check. I sent a certified check and the {$250.00} fee on XX/XX/year> and Faye Servicing deposited that check into their XXXX bank on XX/XX/year> ( copy attached ). Although I called almost every day, I kept being told that my payment would be recast on different dates but it was never done. On XX/XX/year>, the attached letter was sent that states that they made a mistake and my loan payment would not be recast. Faye Servicing still charged me the {$250.00} recasting fee! I did not receive a return of my {$80000.00} until XX/XX/year> with no interest paid to me even though Faye Servicing had my funds in their general business account in their bank for 3 weeks.

I am requesting that since Faye Servicing committed in writing to recast my loan payment that they in fact follow through and recast my loan payment since they charged me the {$250.00} fee. In addition, I am due 3 weeks interest on {$80000.00} which I calculate to be {$230.00}.
Product: Credit reporting or other personal consumer reports

Different companies did inquiries on my account that Im unaware of from XXXX through XXXX. Its negatively affecting my account.
Product: Credit card

I was made aware on my credit report that a credit card with Milestone/Concord credit was under my name and had been used. I never applied for a card with this company and had no knowledge that this card was being used under my name.
Product: Money transfer, virtual currency, or money service

My money was withheld on XX/XX/XXXX this year by the company " Venmo '' without any reason, simply because their " system detected some threat. '' They never gave me explanations about what threat that is. I contacted customer service, but they always give me the same solutions that don't work, and in the end, they end up saying they will contact me by email, and through that channel, they also don't give me any solution. The money appears in my account but I can't move it in any way, neither to my bank account, nor to another Venmo user, not even to my personal Venmo account ( because the money is currently in a " business account, '' both accounts under the same user ).
Product: Debt collection

I, XXXX XXXX, consumer, has been going through a financial hardship and credit has been harm by Wells Fargo Bank N.A and has been an inconvenience. 

Pursuant to title 15 USC 6801 ( b ) Wells Fargo Bank, N.A has failed to respect the privacy, and failed to protect the security and confidentiality of my non public personal information. Wells Fargo Bank, N.A has harmed my credit by a charged off and failed to clearly and conspicuously disclose to me that that my information will be furnished to nonaffiliated third parties.Pursuant to title 15 USC 6802, my rights has been violated Pursuant to Gramm Leach bliley act ( GLBA ) Wells Fargo Bank N.A has failed to give explanation of how I XXXX XXXX, consumer can exercise the non disclosure option
Product: Credit reporting or other personal consumer reports

I cant understand why incorrect accounts are showing up on my credit report. I reviewed my report this morning, like I always do, and for the first time, I noticed strange discrepancies that werent there before. I tried refreshing the page repeatedly, thinking it might be some kind of error, but the inaccuracies remained. XXXX begging for someone to carefully verify the documents Ive provided to resolve this so I wont have to worry about it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus, and reported of the inaccuracies on my credit report due to my bankruptcy, and they have not responded. The three credit bureaus are reporting wrong information on my credit report. Equifax sent a letter saying that I need to send in my driver 's license and a utility bill, in which I did. 

If my bankruptcies are not removed, due to inaccurate reporting, I want to file a lawsuit against XXXX, Equifax, and XXXX. Attached is the copy of what I have sent the credit bureaus.