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

Tri-Cities Finance ( company ) works in cahoots with car dealership to pray on people who are at risk of being taken advantage of like myself ( thats why i have a power of attorney granted on my behalf because I am XXXX and can not make many sound financial decisions on my own as I am unable to understand due to my learning XXXX XXXX ) who are in desperate need of a vehicle and strapped for cash. What happened was I believe that on XXXX XXXX I inquired about a XXXX XXXX for sale with XXXX. They told me the particular car I was inquiring about was in the shop getting repairs needed to be 'sale ready ' so-to-say. Next, they delivered said vehicle to my home which I thought was odd to begin with, but said car was also followed by a tow truck like vehicle which I thought was even stranger because I had been told car was in perfect condition. Because the sales people assured me that the car had no problems, and that if any problems arose to contact them and they'd make sure to fix them, I continued with the sale under the impression they would honor their word when discussing the terms of the sale. Well they did not. Within 2 weeks the vehicle was overheating and acting funny. I contacted the dealership, received no help or assistance from them. Fast forward just another 2 weeks or so, and the car I was told had no issues was broken down on the side of the road. An over {$15000.00} car I was just sold as a consistently operational, dependable vehicle was just nonfunctional junk they sold me. I tried calling the dealership numerous times and left messages only to be totally ignored. They knowingly had sold me a troubled vehicle they promised to have fixed ( if need-be ) and now I could not get in contact with anyone. Finally, my girlfriend had emailed them several times, each email getting a tad more angry and finally they responded. They basically told me I knew the vehicle had issues and since I had not purchased a warranty it was my problem not theirs. But the issue here is that they sold me the car telling me it had no issues because they had been fixed when in fact, they had no been fixed because the car broke down just several weeks later which provides clear evidence that the vehicle was not in fact ever fixed. They also sold it to me under the grounds that if problems arose ( again ) they would fix it guaranteed. None of this happened and I was defrauded by them.Tri-Cities Finance knowingly aided in this.
Product: Mortgage

I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX  thank you for any assistance good luck trying to get legitimate answers.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, these charges were made to my Wells Fargo checking account : XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX NO NAME {$810.00} XX/XX/21 XXXX XXXX XXXX TRANSFER XXXX XXXX {$25.00} XX/XX/21 XXXX XXXX PHONE PYMT XXXX XXXX XXXX XXXX XXXX {$220.00} I did not authorized any of these charges. 
I could not find a number for XXXX XXXX XXXX  to initiate a complain. 
I called XXXX and they are investigating this with my bank. 
I wasn't able to reach XXXX XXXX. 

The XXXX transaction shows up under the category 'phone/internet ' in my wells fargo account. 
The XXXX XXXX shows up as under 'XXXX/XXXX XXXX ' and the XXXX  XXXX shows up under as 'Other Debt Payments ' I called Wells Fargo and they have closed the checking account and are investigating these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX9 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XX/XX/XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face. On XX/XX/XXXX I received a letter from the company providing a contract between them and someone else with that persons bank information ( XXXX XXXX ) on the contract and I think that has to be illegal when I specifically told them they had the wrong person already.
Product: Prepaid card

I am writing to express my deep concern and frustration regarding a recurring issue with American Express. I have reached out to customer for assistance, but they have not been able to resolve the problem nor offered any workarounds or any solution. 

Here is some information pertaining to the issue : - I have two American Express gift cards I received from work. One has a {$200.00} value and the second one has {$500.00} value - I tried paying multiple times for a product I wanted to buy online and every time the transaction got declined ( date : XX/XX/2023 ) - Before placing the order I checked the balance at balance.amexgiftcard.com and the funds are there - Since the transaction failed, I tried to add it to XXXX today ( XX/XX/2023 ) since the website I wish to by from accepts XXXX as well but it again didn't work showing the same error message : Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. Similar situation with XXXX. 
- I called American Express customer support on the XX/XX/2023 and talked to XXXX representatives. None were able to solve my issue and simple told me to use the card with a different merchant but they failed to provide a merchant names where it can be used. It is absurd to expect someone would randomly hunt that work. 
- According to their terms and conditions, these gift cards can be used online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out dispute letter XX/XX/XXXX.
Account not validated.
Called XX/XX/XXXX and XX/XX/XXXX. 
Customer service was unable to help me.
Product: Debt collection

Caci called from auto dialerXXXX I called them back asked them to stop calling my number not saying anything and hanging up. They said that it must be a problem with the auto dialer.
Product: Debt collection

I CO-SIGNED ON SAID ACCOUNT WITH XXXX XXXX AND SHE FILE CHAPTER XXXX  BANKRUPY AND DEBT TO BE DISCHARGED. MY LAWYER STATED THE XXXX SHOULD XXXX TO XXXX AND TAKE MY NAME OFF BILLING.
Product: Student loan

I submitted a check ( Check # XXXX ) from XXXXXXXX XXXX XXXXXXXX for payment of {$2500.00} on XX/XX/XXXX. The check was cashed on XX/XX/XXXX by Mohela. I called Mohela on XX/XX/XXXX to inquire why my account has not been credited. XXXX XXXX could not tell me why nor provide any helpful solutions. I asked to speak with a supervisor and was transferred to a voicemail box. I left a message and never received a call back. I attempted to call Mohela again but was left on hold for 1 hour and 45 mins only to be disconnected. I called again today XX/XX/XXXX and agent XXXX noted not seeing a check payment made. She placed me on hold several times with no resolution. My account is still not credited my payment amount.
Product: Mortgage

I had a mortgage with Wells Fargo. We did the modification and did it right had the proof of payments. And my family was still put out in the streets. This was in 2013 but we have been trying to fight them ever since but have been unsuccessful because at that time they had a servicing company to hide behind.
Product: Mortgage

I have a mortgage from USAA Federal Savings Bank, refinanced in XXXX. I have been paying the mortgage consistently, making slightly over half the mortgage payment on the XXXX and XXXX of each month. On or about XX/XX/XXXX I reviewed my account online and noticed that the XX/XX/XXXX payment for {$860.00} had not been credited to my account. I called XXXX, servicer for USAA and notified them of the problem. I provided them with the information they asked for, specifically a good faith letter from my bank. They also lost the payment from XX/XX/XXXX, although that showed up in my account after about a month. I have been in contact every week with USAA or one of its contractors. 

XXXX sent a foreclosure notice offering a meeting. We sent a letter back with more documentation showing we had paid on our account, and accepting the offer of a meeting. XXXX then withdrew the offer of a meeting, and asked for more documentation. Account statements from our bank were sent XX/XX/XXXX, and again on XX/XX/XXXX. There has been no response. On XX/XX/XXXX we discovered USAA had issued a non payment report and destroyed my credit.
Product: Credit reporting

I have a Citicorp credit card ( issued by Sears ). The Citicorp overseas reps that I made my payment with did not log my payment in on time. Subsequently, after paying on time every month, Citicorp refuses to accept responsibility for the error of their off shore account reps and the language disparity that exists. 

I was told by a VP, XXXX, that I could not get help because he did n't have to. I told him that I wanted the late payment removed. I do not owe any money and refuse to ever do business with them again. I feel that there is systemic racism in correcting their error. XXXX was My account ends in # XXXX
Product: Debt collection

XX/XX/XXXX I signed up for service with XXXX XXXX in XXXX XXXX, Florida. In XX/XX/XXXX, I left XXXX and moved to XXXX. There was no XXXX service where I moved. I had paid all my bills and returned all equipment. In XXXX, I began to receive bills charging a " cancellation fee '' of {$180.00}. Not remembering agreeing to any such fee, I contacted the company and asked them to please send me anything with my signature or initials that i had agreed to any " cancellation fee ''. They did not respond. I started receiving letters from collection agencies. I contacted them and told them the same thing : send me anything with my signature or initials that i had agreed to any such " fee '' and I would pay it. Nothing. Instead they reported me to the credit bureaus, I disputed the charge and it was immediately removed from my report. 
Now, today I recieved a letter from another collection agency : AFNI XXXX. XXXX XXXX XXXX, IL. XXXX, attempting to collect the same debt. I called, talked to rep named " XXXX '' and explained to debt was not owed unless they could produce and send me any document with my signature or initials agreeing to the debt. She argued with me for several minutes and I ended the call explaining that i did not owe the debt. 
I would like for XXXX and their agent to either supply me with signed documents proving the debt, in which case I will pay it or leave me alone.
Product: Checking or savings account

I had a fraudulent activity on my Capital One Account on XX/XX/XXXX and the bank restricted all my accounts and now i have no access to withdraw cash or pay my bills while they investigate the matter. They wont give me an idea as to how long this would take and what options i have in the meantime. 

I am fine with them investigating the matter but at least i should be able to pay my bills out of my account. This puts me in a difficult situation and subjects me to fines, penlaties, cancellations of my accounts related to mortgage, rent, utilities, credit cards etc. 

I dont understand how the banks can take the customers accounts and hijack all the money and leave them with no options. This is completely wrong and should not be allowed. We as a customer have no rights when it comes to these things with the big banks.
Product: Checking or savings account

Capital one has yet to release ACH payment and I am about to lose my vehicle and my rent payment is due. They have {$1700.00} of my paycheck and I am unable to withdraw it. I have no other means of money besides my paycheck. They have yet to give a specific deadline of when the issue will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I am disputing your willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681o ). Your failure to adhere to legal obligations has caused harm. Immediately correct violations, or I will pursue legal action.
Product: Debt collection

I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped!
Product: Credit card or prepaid card

Capitalone credit card, # XXXX XXXX XXXX XXXX. 
I kindly resquest to investigate Capitalone credit card for abuse, manipolation y harassma thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX stuck in my cash app account, Im not able to deposit my money to my card ; send or receive money. I have went about contacting them many times and they send me the same email saying my account has been closed. They have no telephone number just an email and I get the same automated email every time. I need my money to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home in XXXX 2018. My loan was with Caliber Home Loans. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.
Product: Credit reporting or other personal consumer reports

I asked each company to display my correct name and address my name is XXXX XXXX XXXX XXXX my Address is XXXXXXXX XXXX XXXX XXXXXXXX texas XXXX that is the only name and only address that should be on my report me and my father have the exact same name even middle name so there is alot of confusion especially on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires : I did not apply for credit of authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax