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

On XX/XX/22 I purchased a car from XXXX after 3 hours of driving the car the check the engine light came on so I contacted the dealership and was told that i purchased the car as is and would have to pay out of pocket to fix the car issue. I paid the dealership {$1000.00} to have the car fixed. The dealership then gave me the name of their mechanic XXXX XXXX. After leaving my car two days with the mechanic I was told my car has been fixed and to come pick it up. After two days of driving my car the check the engine light came back on. With several attempts to contact the dealership and mechanic I got the run around for an entire month with absolutely no help. So I had to take my car to XXXX to have the problem fixed which my bank can clearly see that transaction on my account. I contacted my bank XXXX XXXX to dispute the {$1000.00} I paid the dealership to have my car fixed I was told by XXXX XXXXl to submit my evidence and after review they would make a decision on refunding my {$1000.00}. So after review XXXX XXXX refunded the {$1000.00} to my account then a month later XXXXXXXX XXXX  took the {$1000.00} back and when I ask the reason why I was told they now want me to come up with even more evidence of what was already submitted to them which makes no sense they have more than enough evidence and the injustice of taking the {$1000.00} back a month later with no valid reason. 

Attachments below is evidence of ( 1 ) correspondence between me and the dealership and my ( 2 ) bank statement showing I had to go to XXXX to have the car issue fixed and pay out pocket again in almost the same amount
Product: Credit reporting or other personal consumer reports

A FTC report has been submitted and accounts were not blocked. I di not fall Under the guidelines Im to reject any accounts remaining or the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized account ownership of a store credit card. I was helping a friend out with car problems and he didn't have the money to pay for new tires. I agreed to be an authorized signer for a XXXX XXXX XXXX   credit card. Not an owner of any sort because I didn't want it to be part of my credit. I was deceived and misinformed by the employee of XXXX XXXX, he said I wouldnt be an owner or liable of the account if they use me as an authorized signer to help my friend get approved. I signed not knowing what I was signing because I was young and they made it seem I wouldnt be affected at all. This took place around XX/XX/2016 at the XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX, AZ. Ever since Ive been trying to get this corrected and off my report and nothing has changed when it was never authorized. It says I am the sole owner of the account which I never agreed to be an owner but it doesn't report on my friend at all when he signed paperwork in front of me to be the sole owner of the account and it shows up in my name? I feel mistreated and abused by XXXX XXXX for putting something in my name only when we both signed the paperwork but I only signed as an authorized user to help his approval odds.
Product: Credit card or prepaid card

Hi, I applied for a Wells Fargo Platinum card requesting a {$16000.00} credit limit and {$11000.00} in balance transfers. After my application was submitted, Wells Fargo responded with an offer for the card with a {$7500.00} credit limit and smaller balance transfer amounts. I didn't want those terms, so I refused to activate the card. However, Wells Fargo still processed a balance transfer for a lesser amount that I did not request or want, charging me {$210.00}, and debited the card I had not activated. 

I called and spoke with multiple people, but no one could explain why a balance transfer for an amount I didn't request was made on a card I didn't activate. The company said I could request a refund after I re-transferred the balance back to my old card, incurring another nearly {$300.00} in transfer fees from the other card.
Product: Money transfer, virtual currency, or money service

I requested the deletion of my account repeatedly, and PayPal has refused to comply. The online workflow fails repeatedly and predictably across all browsers, preventing me from automatically closing the account. Customer Service refuses to help me, transferring me between departments repeatedly and telling me to " try online. '' I've tried online and offline methods over XXXX weeks with no resolution at all. I need my account and all personal data deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian Multiple documents that they requested i needed to send them that were related to identity theft. I did everything that was asked to submit and they have not addressed the problem and haven't removed the account. they give me responses that doesn't pertain to identity theft. I dont know what else to do. this is causing harm, frustration. 
Please delete the fraud accounts immediately 1.XXXX XXXXXXXX 2.XXXX XXXXXXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX 4.XXXX  and this fraudulent inquiry 1. XXXX XXXX  XXXX XXXX XX/XX/2021 I never gave XXXX XXXX XXXX XXXX  to look at my personal information.
Product: Credit card

I requested my financial institution to remit a credit card payment on XX/XX/2016 to CITI Financial for a payment that was due XX/XX/2016 however, because of their system, they did n't process it until XX/XX/2016 and charged me a late fee. I fulfilled my obligation to make the payment timely yet the explanation I received was that I need to remit payments a whole week before the due date because their system may take 5-7 business days to process a payment. This violates contract law and does n't make sense that I 'm held accountable due to a financial institutions inability to process payments timely. Also, payment processing should not take this long.
Product: Debt collection

Dear CFPB Representative, I am writing to formally submit a complaint regarding XXXX, who has failed to send me a copy of the 1099-C form for charged off reported amount of {$3200.00} XX/XX/year>. Despite my repeated requests for this documentation, XXXX has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : XXXX XXXX XXXX ( XXXX ) XXXX : This statute requires creditors to report the cancellation of debt, including issuing a 1099-C form to consumers when a debt of {$600.00} or more has been canceled.

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt.

The absence of the 1099-C form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by XXXX  The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues.

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Debt collection

I got a student loan for my son to go to technical school lost my job and had to do a forbarence inXX/XX/XXXX then i went back in the military and was shipped overseas inXX/XX/XXXX andXX/XX/XXXX during this time they kept charging me interest on the loan, then they told me the loan had been bought by different loan companies, and added colection fees and interest fee everytime it was so called bought by another loan facility, so i got bills from 5 diferent loan companies, inXX/XX/XXXX i got in touch with the loan company and they said if i paid 12 consistant payments that it would take it out of default and i did so the time for the 13 payment they started garnishing 15 % out of my check my wife goes to the XXXX center every 3 weeks and i need help, AND WHEN I LOG IN TO THERE SITE ON THE COMPUTER THEY JUST SO HAPPENS NOT TO BE ABLE TO FIND WHAT IVE PAID OR RECONGNIZE ME
Product: Checking or savings account

XXXX XXXX and XXXX XXXX XXXX XXXX. From me at XXXX XXXX XXXX pa M and T bank!! 

Please send check to XXXX XXXX XXXX XXXX XXXX ca XXXX If this is not done I half to go to court and that would be very hard for me. 
I have XXXX XXXX and XXXX in XXXXXXXX XXXX XXXX 
XXXX gave me this note and told me to take her to court XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD. XXXX XXXX Please file police report. 
And work on this! 
XXXX XXXX XXXX M and T headquarters is in XXXX new York! 
Please send letter to them!! I do not know the CEO.
Product: Credit card

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX, never signed a contract, nor do I owe them any money.
Product: Debt collection

XX/XX/XXXX they started calling my boyfriends family, and even his ex wife that i dont know. they called them multiple times and said that i used them as reference, i never given them references. They gave my info to my bd ex wife who has been harassing me. And now she knows my info. I dont know how they got her number. I dont even know those people who they called. I told them to stop calling but they just keep on calling and telling everyone that i have a debt.

XX/XX/XXXX They started calling my uncle and aunts that i dont see in 10 years. Saying i will go to jail and need to find myself a lawyer because they will sue me.
Product: Mortgage

I took out a mortgage with Wells Fargo on XX/XX/XXXX under loan # XXXX. Things went well until i experienced some financial hardship sometime in XXXX whereby I defaulted on my Mortgage and Since I was employed at the time I contacted Wells Fargo to request modification services to enable me put back my loan on track and make my loan status current. Rather than receive cooperation and assistance as a consumer from the Wells Fargo mediation team I did not receive any call backs or any acknowledgement of the hardship filing documents I was asked to complete on every occasion. Each time I called to follow up on the hardship form with supporting documentation as requested either by a provided fax number or regular postal mail I was always told to send a new hardship form each time as the previous one sent was never received .For over 2 years I had to send the same documents over and over again to the mediation team with no one calling back to acknowledge receipt of same.. As a result of the lackadaisical attitude by Wells Fargo and their failure to provide adequate and timely disclosure information to help facilitate the Modification process I was at the point of losing my house to the foreclosure process until the Judge during one of the hearings referred the parties to a mediation conference sometime in XX/XX/XXXX which helped facilitate a modification agreement. 
The modification agreement was eventually forwarded to me electronically at the direction of the court for execution but however the terms and content of the agreement was never discussed or reviewed with me. I was only advised to sign and return the documents. A few years after the agreement was signed I received another letter that my loan will no longer be serviced by Wells Fargo as it has been involuntarily transferred to a servicing company XXXX XXXX with the details and terms of the new agreement with no explanation. 
At a later date I realized that the modification agreement I signed actually extended the maturity date of my loan for another 20 years from XXXX to XXXX. 
Finally, the following financial expenses were added to the loan thus increasing the principal sum of the loan drastically.. 
The sum of XXXX interest was capitalized The sum of {$12000.00} escrow advance was capitalized The sum of {$2.00} listed as recoverable expenses added The sum of {$680.00} listed as recording tax paid. 
I have reached out to the Wells Fargo mediation team and notified them of my claim and have been informed that the request will be reviewed and a response obtained by XXXX.
Product: Money transfer, virtual currency, or money service

I attempted to make an online purchase from XXXX and the purchase was for something important, diapers for my at the time XXXX XXXX XXXX daughter. As far as the cashapp app was displaying I had been completely charged for the order. XXXX minutes later I get an email from XXXX stating that my order payment was not received and my order was cancelled. First I spoke with XXXX because I had already verified the money was taken from my cashapp account. After speaking with XXXX and being informed that they were unable to receive funds at all and thats why my order was cancelled even providing me with a transaction number ( Ive misplaced that due to it being back in early XXXX ). I then contacted cashapp and they didnt even ask me for a transaction number or anything they said until it processed they had no control nor could they be of any further assistance on that matter. About XXXX or more days later the transaction just disappeared from my transaction history. The reason why that was such a problem is I had just enough money in that account to get the diapers which my ex was claiming I was not supporting my child at the time so this was the last thing that I needed but i borrowed and made it work but still was left hanging for a long time and cashapp did absolutely nothing to help or even pretend to care really.
Product: Debt collection

On about XX/XX/XXXX I had fraud alert Im identifying was stolen filed a police report and froze my accounts somebody stole my social number
Product: Debt collection

I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help.
Product: Credit card or prepaid card

Purchased a lock and installation from a vendor in XXXX CA in the amount of {$750.00}. Lock and key was never delivered from Vendor. Disputed the amount, and Citibank sided with the vendor. There was no protection against the fraudulant activity for us. They said we needed a credit slip which the vendor never provided. The vendor XXXX XXXX XXXX XXXX has done this to many others as their XXXX account indicates. Irrespective of this, Citibank would not take any action against them ( XXXX XXXX XXXX XXXX ). We have also file a complaint with the Bureau of Investigative services against the Vendor. 


XXXX XXXX, XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX Print - {$750.00} XXXX XXXX, 2017 REVERSE XXXX XXXX XXXX XXXX XXXX XXXX Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX
Product: Debt collection

This Company ... Shell Point Mortgage Business telephone Number ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, S.C. XXXX Has been calling Our home telephone number for at least " THREE MONTHS NOW! '' Each time They've call ... They " Block Their Number '' ... so it's only showing up as a ... '' Private Number ''. They have NEVER left a message and there has never been any written communications sent to Our address via U.S.Mail. 

Today, ( XX/XX/2018 ) ... We received another call ... ( Blocked Number ... showing Private ) ... and this time, We answered the call. We spoke with a Representative from the Company named XXXX XXXX. Representative XXXX stated that She was trying to reach " XXXX XXXX ''. We advised this Representative that there was no one by that name that lives here. We further informed this Representative that ... '' XXXX XXXX '' ... was " An Ex '' ... She lives in another state and We had nothing to do with Her debt. We asked that The Company remove Our Telephone information from their system. We ask that these collections calls cease. When We asked for the Corporate Business Telephone and address, We were not provided with this information. The only number given was this ( XXXX ) XXXX. We believe that this Company received Our personal information by " Skip Tracing '' ... HOWEVER ... Their Information is INCORRECT and We want this telephone harassment to end. Please Help Stop This Madness. Thank You.
Product: Credit reporting or other personal consumer reports

Access to my account is blocked and I can't get response as to why, nor is there any way to access except through their portal.
Product: Prepaid card

This {$100.00} gift card was given to me for my birthday. The last two numbers of the 16 digit card are missing and the cvv is also missing. I was given this card on Thursday, XX/XX/2023. I have opened it today, XX/XX/2023, and tried to call and go to the giftcardmall to see how to replace this card. No prompts or customer support available by phone or online, except to claim it lost or stolen.
Product: Debt collection

After sending the FTC report of identity theft in XXXX, XXXX, XX/XX/2021 FIRST COLLECTION SERVICES sent me a letter on XXXX XX/XX/2021 saying that they are refusing to remove the collection for XXXX XXXX Gas and Electric. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion.
Product: Credit reporting

I have resubmitted to both the Credit Agency and the Creditor to remove the previously deleted materials. I signed up for a credit card from XXXX XXXX XXXX ( issuer of the XXXX Red Card ) XX/XX/XXXX. XXXX XXXX XXXX failed to provide a card and statement in order for me to submit payment. They contacted me stating that the account would be going into collections, and I informed them that I had not received a card or received a statement. They stated that they would send a statement and reage the account. I received a statement and paid the statement in XX/XX/XXXX. I was applying for a home loan when a Failure to Pay came up on my credit score issued by XXXX XXXX XXXX. I did not receive approval for this loan due to the impact from XXXX XXXX XXXX. After 8 months of working and disputing with the Credit Reporting Bureaus and XXXX XXXX XXXX the Failure to Pay was finally removed XX/XX/XXXX and submitted it " Paid Satisfactorily ''. On XX/XX/XXXX I checked my credit score and XXXX XXXX XXXX has resubmitted a 30 day overdue, decreasing my score. I never received notice that this had been Reinserted. XXXX XXXX XXXX is unfairly attacking customers, making it nearly impossible to remove incorrectly reported items and should be investigated. When I contacted them to get the account fixed today they stated that they saw where it was reaged and the Failure to Pay was removed and changed to Paid Satisfactorily. However, they stated that after this it was reaged again, without my consent or knowledge that this was added, and I would charge that this is in direct disregard for the Fair Credit Report Act Section 611. ( B ). No details were provided and no contact was attempted to be made. The customer service manager at XXXX XXXX XXXX was rude at best. When telling him that this was previously deleted from my credit score, he stated that he saw that, and that someone decided to re-report the materials. He did n't state who made this decision or a reason for it. After over 20 minutes of arguing that it should not be on my credit report, he stated that he would file a dispute. This transaction number was XXXX. I want XXXX XXXX XXXX to remove this error from my account, and stop abusing consumers.
Product: Credit reporting or other personal consumer reports

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

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT 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 or other personal consumer reports

A debt collection agency posted a collection on my credit report multiple times. I disputed the collection with Experian stating that the collection was already on my credit before. The collection agency posted the collected in XXXX and XXXX.