23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

THE WORST CREDIT CARD COMPANY THERE IS. ABSOLUTE MONEY GRABBERS AND LIARS. 

I opened my American Express credit card on XX/XX/2024. I had an issue with what my credit limit was at first and they kept changing the number and what was allowed for balance transfers. I remained neutral through that whole issue. Then, I purchased something online that I later found out was a scam website and immediately called about 15 minutes after putting my credit card information online to have the charge blocked. The representative lied to me and said that I must wait until the charge goes through before they can " remove '' this charge. They are now " investigating '' this scam website and gave the fake company almost 6 months to provide any kind of documentation that they sent a product despite my best efforts to block them from allowing the charge to go through. They later said it's my fault for putting my card information online in the first place and that I am responsible for this. THEN, most recently, I got NO notifications, texts, calls, or otherwise that there was not a payment scheduled for this past month. I logged onto to the app the see to my surprise that the account is in past due and that a payment was due two days ago. I immediately made a payment and called to have the late fee waived as I was not aware that a payment wasn't made. I was instructed to wait until the funds are withdrawn from my bank and to call back to have the fee removed. I called today and they declined to remove the fee. When asked for an explanation, they said they are unable to provide one and are unable to assist me further. I was furious at their level of money grabbing and placing customers in difficult situations, asking them to wait, then blaming them for waiting, essentially. I would like to have them investigated as I'm sure they are not following guidelines for consumer services. I also saw they are currently being sued for overcharging merchants on consumer purchases. Seems like all around, it is a money grabbing company with no consideration for customer service at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Refusal to Provide Form 1099-C by Capital One Auto Finance Dear Sir/Madam, I am writing to file a formal complaint against Capital One Auto Finance regarding their refusal to provide a Form 1099-C ( Cancellation of Debt ) for a charged-off debt. This complaint is made in accordance with the authority of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Creditor Details : Creditor : Capital One Auto Finance Account Number : XXXX Date of Charge-off : XX/XX/XXXX Despite multiple requests made through certified mail, Capital One Auto Finance has persistently refused to provide the necessary Form 1099-C. The Form 1099-C is crucial for accurate tax reporting and compliance purposes. This refusal hinders my ability to fulfill my tax obligations appropriately. 

According to the Internal Revenue Service ( IRS ), creditors are required to provide a Form 1099-C when they cancel or forgive a debt of {$600.00} or more. The creditor 's failure to provide this form not only violates tax regulations but also affects my ability to address my tax liabilities accurately. 

I respectfully request the intervention of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) in investigating this matter. I urge you to take appropriate action against Capital One Auto Finance for their refusal to provide the Form 1099-C. Furthermore, I kindly request your assistance in compelling the creditor to provide the required tax documentation promptly. Alternatively, I request that the charged-off debt be removed from my credit report due to the creditor 's non-compliance. 

Enclosed with this letter, please find copies of the certified mail receipts as evidence of my attempts to obtain the Form 1099-C. 

Thank you for your attention to this matter. I anticipate a prompt response and a resolution to this issue. Please do not hesitate to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX : Internal Revenue Service ( IRS ). " Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX XXXX XXXXXXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Product: Debt collection

I signed up for XXXX in XX/XX/XXXX. 
I decided to cancel in XX/XX/XXXX. 
After I cancelled I began to receive demands from XXXX to pay a {$190.00} early cancellation fee. 
I never agreed to any commitment at all! I was with XXXX for 11 years! What more commitment do they want? 
I called customer service and was on the phone for almost an hour trying to get this resolved. Unfortunately, the representatives they use are overseas and not very helpful. They told me that I had agreed to a 2 year deal to get a discount, and they couldn't help me. I NEVER agreed verbally or in writing. I asked them to provide me with a phone recording or my signature. They could not do either. 
Finally, they suggested that I send an email to customer service. I did that. About a week later, I got a response telling me to call!!! So on the phone they tell me to email, and on the email they tell me to call. 
I then went in to an XXXX store for help. The manager said he would take care of it, and apparently never did. 

Now I just found out that XXXX put a derogatory entry in my credit report! This is OUTRAGEOUS! 
I have no idea who to speak with. Everybody that answers the phone there is another country that can not help. Nobody gives any answers via email.
Product: Debt collection

Hello, We've attempted to dispute this debt on multiple occasions without achieving a resolution. 

We acquired a car from XXXX XXXX in XX/XX/2018. Before signing our contract, the dealer informed us that if we chose to terminate the lease early, the vehicle return fee would amount to {$790.00}. They assured us that we could voluntarily return the vehicle to the dealer, preventing it from being reported on our credit, and this action would settle the entire account, bringing the balance to {$0.00}.

This information is outlined in the attached contract, along with supporting transaction evidence. Despite our efforts to share this with the collection agency, they insist on requiring a letter from the dealership. We've responded to them multiple times, emphasizing that they should possess validation of the debt from the original creditor on their end, given that they are the ones reporting it.

At this juncture, we find ourselves uncertain about the next steps and believe involving an external party to investigate this matter would be more suitable.

Thank you.
Product: Mortgage

This is my third complaint to you. Each time I put in a complaint it comes back with answer that is not helping. They answer with a generic response and no willingness to cooperate whatsoever.

1- We were given a modification that was higher than the initial trial payments making it very difficult to pay.

2 - I was given covid relief during the 7 months in question after the modification which they will not acknowledge.

3 - They have added on extra interest that my modification does not call for and refuse to deal with this in a humane way.

4 - They have gone against the foreclosure rules of the state of California and Federal government and are threatening to foreclose my house.

5 - I have asked for a complete 5 year accounting of all debits and credits and I have never received it
Product: Mortgage

I reached out at the beginning of XXXX to inquire about mortgage forbearance and found that Freedom Mortgage was giving out incorrect information in accordance with the CARES act. I submitted a complaint on here about this, and it was listed as resolved, however it was not resolved. Freedom Mortgage put me into a mortgage forbearance plan WITHOUT MY KNOWLEDGE OR CONSENT and placed my account under the loss mitigation department. As a result, I have been unable to make a payment on my mortgage for the entire month of XXXX and am now being reported as 30 days late. This is inaccurate however because I started a work order with XXXX from Freedom Mortgage ( ID # XXXX ) on XX/XX/2020 to release my account from forbearance so that I could make my payment. I was promised per that conversation that my account would be release from forbearance by XX/XX/2020 so that I could make my payment and not be marked as late. That date came and went, I called on XX/XX/2020 and spoke with XXXX ( ID # XXXX ). She informed me that she wasn't sure why it wasn't done yet, and to call back in a couple of days if it didn't get removed. I then called today, XX/XX/2020 and have yet to get an answer from anyone. My call gets " transferred '' to the loss mitigation department and no one ever picks up.
Product: Credit reporting or other personal consumer reports

There has been a collection on my credit report for quite some time, reported by Experian with a balance of {$1.00}. This collection account began reporting on XX/XX/XXXX, but I was unaware of its existence. Upon learning about it, I took the necessary steps to address the matter. 

On XX/XX/XXXX, I contacted the original creditor, XXXX, XXXX inquire about the debt. I was informed that there was no debt to settle and was instructed to submit an online request for a paid in full letter. On XX/XX/XXXX, I received this letter, which confirmed that the account was fully paid off as of XX/XX/XXXX. Furthermore, the letter states : Our records indicate that your account was placed paid in full, with no outstanding balance due. Our records indicate that your account was placed in a paid in full status on XX/XX/XXXX. We have also requested deletion of your account with credit bureaus to which we report information. 

I immediately submitted a dispute to Experian on XX/XX/XXXX, attaching the paid in full letter from XXXX as evidence. Despite this clear documentation, Experian returned the dispute stating that no changes would be made to the account. 

Following this, I called Experian and explained the issue directly to a representative. I reiterated that I provided a letter from the original creditor verifying that the account was paid in full and confirming that XXXX had requested the deletion of the account. Despite this, Experian upheld their decision to make no changes to the account. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report accurate and verifiable information. Experian failed to investigate properly and ignored the original creditors request to delete the account. This incorrect reporting is unfairly impacting my XXXX XXXX and ability to secure favorable loan terms. I am requesting immediate resolution to ensure this account is deleted as instructed by XXXX.
Product: Debt collection

First off the validation, never came to me because it's not mine. I've never taken a payday loan in my life. But what they're doing is every day they'll raise it up by a XXXX  and lower it by a XXXX the next day every day. As you can XXXX it's really messed up my credit up but every day it goes up a XXXX and then goes down XXXX slice like they're harassing the = out of me and I'm trying to buy a truck and it's really making things difficult.. I've dealt with this bull= ever since XXXX had all the data late. So since about XXXX XXXX XXXX, I have not been able to buy anything nasty matter how hard I work. My identity has been stolen. I can't get a new Social Security card and every time I think I get it worked out, some collector XXXX puts something on there that's not mine I can't validate it and then they harass me.
Product: Student loan

I was given a student loan in 2007. However it was never sent to my school, it was sent to me, wells fargo never verified through the school the amount of tuition or any financial aid I had received. By law it does not qualify as a student loan.as some of the funds were not used for educational purposes. I was never told all of my payments were going to go to interest and not the principal. I've paid over 18000. On a XXXX loan and still being told I owe XXXX!! This is deceitful and ridiculous not to mention the loan does not qualify as a student loan. This is so beyond wrong! Wells no longer processes student loans this way so when I call no one can help me or knows what I'm talking about. Absolutely horrible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at around XXXX I received a call from a number that identified as BOA. A man on the phone identified himself as a BOA fraud specialist XXXX XXXX and gave an ID #. He even said the call was being recorded for training purposes. He asked if I had opened a new checking account. I told him no. He then asked if I had made two XXXX payments, one for XXXX and XXXX. I told him no. He then said the account had been closed but he had to transfer me to a XXXX fraud specialist, his name was XXXX, to reverse the transactions. He gave ne a confirmation number XXXX to give to the XXXX specialist. He transferred me and this guy walked me though the reversal process. He gave me a code which was XXXX to put into XXXX, with myself as the recipient. He had me put in XXXX. He said it would com back to me and it did. He then had me do the XXXX and said this would take a bit more time. The message came up about sending and warning but he said to disregard it as this was the only way to keep the funds in my account and prove I did not send them. I kept telling him I was not comfortable doing this. He kept saying he was only there to protect my funds. He was so professional and believable. I am always wary of scammers but these individuals took it to another level. I even called the number with my husband 's flip phone to verify it was BOA. It was. I am on XXXX and this devastated us. Luckily I had an emergency account at XXXX XXXX and I transferred XXXX into my account to cover my bills that hit my account that Nighy. I was even questioned about that. One BOA person suggested my husband did this. My husband does not do any banking as I handle all finances. One BOA fraud personal said it went into another BOA account! I've been a customer with them since XXXX. I am so distrustful now of everyone. 
XX/XX/XXXX I got a phone call from XXXX XXXX XXXX saying XXXX would be my Fraud specialist going forward. Giving her number as XXXX XXXX XXXX. When you call it it just says XXXX XXXX and beeps. BOA says no one will call me so they were scammers. This is insanity! I just want my XXXX back and to.never have to answer my phone again.
Product: Debt collection

KEPT CALLING ALL NUMBERS AND SKIP TACING ME IN VIOLATION OF FDCPA AND TCPA
Product: Consumer Loan

On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX VW of XXXX XXXX, CA. When I was discussing financing options with the Finance Manager XXXX XXXX XXXX, he described a pre-paid VW maintenance plan that was available that would cover my scheduled maintenance on my vehicle. He indicated that if I purchased it now at a price of {$1000.00}, I will be covered for my XXXX, XXXX, XXXX and XXXX miles scheduled maintenance with no additional out of pocket cost at time of service. He provided me estimates of each scheduled service and after crunching the numbers, the deal made sense and I agreed to the maintenance plan of {$1000.00} that was included in the financing of my vehicle. 
In XXXX XXXX ( XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I believe ), I contacted VW Financial Services to ensure I fully understood my pre-paid maintenance plan and what it covered. I asked the representative if my plan covered XXXX mile service and she confirmed that it indeed did cover those maintenance services. This put me at ease knowing that XXXX at XXXX and the VW Representative confirmed the same thing. 
On XXXX/XXXX/XXXX, I brought my vehicle in for my XXXX service to XXXX VW of XXXX, CA. When I notified the service center what I needed done on my vehicle, I was told that I would have to pay out of pocket for my XXXX service of approximately {$300.00}. They indicated that whoever processed my prepaid maintenance plan at time of vehicle purchase only signed me up for the XXXX and XXXX mile service, and not the XXXX and XXXX mile service. They stated that there are XXXX plans that can be purchased, which is the VW Care package that covers the XXXX and XXXX mile service and the VW Care Plus package that covered the XXXX and XXXX mile service. XXXX at XXXX apparently only signed me up for the VW Care Plus package even though he had confirmed I would be covered from XXXX miles at a financed cost of {$1000.00}. I spoke to the Service Manager at XXXX and he re-confirmed what I was signed up for and advised that he could not do anything further as that it what was shown in their system. I notified him that I should be covered for XXXX as I did not pay for the XXXX mile service performed at XXXX several months ago. They said that after looking at their records, they saw that the Service Technician apparently processed it incorrectly and when they submitted the reimbursement to VW, they were denied it and they had to 'eat ' the cost for my XXXX mile service. Since I needed the service and did n't have the time to dispute with XXXX or VW at the time, I agreed to pay for the XXXX mile service out of pocket for a total of {$310.00}. 
It appears that I was misled by not only XXXX, but also VW as I specifically called asking the question about coverage and they confirmed that I was indeed covered for the XXXX mile services. 
Note that I have also filed a complaint for VW XXXX ( Case # XXXX ).
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX in XX/XX/XXXX. The lease ended in XX/XX/XXXX but I extended the lease to XX/XX/XXXX. The monthly lease amount was {$300.00} for the term of the lease. 

In XX/XX/XXXX, the company decided to add an add'l {$20.00} to the payment making it {$320.00} stating the difference was sale tax. The base amount of {$280.00} and the sales tax of {$19.00} totaling {$300.00} should not have changed. The {$20.00} represents sales tax being charged on the base plus the {$19.00} sales tax. 

I've made countless phone calls and sent letters over the past 5 months. They continue to say I owe the money and send me paperwork I don't ask for. Management was of no help either. 
Now they are charging me {$50.00} in late fees which are included in the {$110.00} they say I owe. I do not want this to show up with the credit bureau which I stressed to them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In the last year I began to receive letters from a collection agency for a debt that is not mine. The collection attempts were from recurring charges that appeared on my credit card account in XXXX to XX/XX/2020. The bank removed the charges and provided me with a new card number. XXXX XXXX  deemed the charges as fraudulent and I was not responsible for payment. The vendor, XXXX, did not initiate a chargeback of the charges or provide evidence to validate the charges with XXXX. XXXX did not record the charges as fraudulent within their own system hence why I am now getting collection attempts. 
I have provided the collection agency, Resurgent, with a letter requesting that they cease and desist collection and a letter from XXXX indicating the charges were fraudulent and stating that I am not responsible which is dated XX/XX/2020. I also completed the company 's affidavit indicating the charges were due to fraud and not mine. Resurgent  is still attempting to collect payment from me. 
I will not pay for a debt that is not mine. I will not hesitate to sue XXXX and Resurgent if this debt is reported to the credit reporting agencies and show up on my credit report.