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

I was recent denial of my buyback request for my certified XXXX XXXX XXXX, which I originally purchased in 2021. I put {$40000.00} down in cash I believe I was sold a lemon given I've had issues immediately As per XXXX XXXX ( A ), it is clear that if a nonconformity has been subject to repair XXXX or more times during the shorter of the express warranty term or within XXXX years or XXXX milesand continues to persistI am entitled to a remedy. I have brought my vehicle in for air conditioning service over five times. Each time, the same issue has remained unresolved, culminating in your recent communication that my warranty is nearing expiration despite the ongoing problem. 

Additionally, during my inquiry regarding the grounds for my denial, their team indicated that the investigation concluded did not meet the qualifications for the program, but did not provide any specific reasoning. This lack of transparency is concerning as it leaves me without clarity on the situation, especially given my repeated attempts to resolve the issue. 

Furthermore, the vehicle 's history shows that the original owner experienced similar issues with the air conditioning, indicating a pre-existing flaw. I find it disconcerting that you refuse to recognize this critical aspect of my claim, especially since the same nonconformity is persisting. 

The circumstance of my disabilitydriving with hand controls due to cerebral palsycompounds the inconvenience and financial strain of repeatedly having to take time off to address this vehicle issue. The impact on my life is substantial, and I would appreciate more understanding from your company. 

Additionally, it has come to my attention that there have been incorrect late payment reports made to XXXX, XXXX, and XXXX. This misinformation has adversely affected my credit report. I request a thorough review of these discrepancies and a rectification of any inaccuracies at your earliest convenience. 

In light of these concerns, my vehicle is now leaking again!!! I truly cant believe they don't believe I qualify for the buyback under the Arizona Lemon Law. 

I feel taken advantage of due to the fact the wont provide a clear understanding on why I don't qualify and I feel lije I was just pushed aside with no help now that my warranty is over
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Resolution is in violation of the debtor 's act. They're reporting fraudulent accounts on my credit reports with all three credit agencies. I have ask them to delete this collection item off of my report and they refuse to do so. The claim they have spoken with me and verified that this belong to me. I don't know anything about this. I do not have a bill with them or any other company. The amount they're saying is {$2900.00} that I owe them is fraudulent. On one report they're Account Resolution and on the other report they're Persolve , LLC. Companies like this should not be allowed to get away with this kind of scam behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Chrysler Capital a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. Chrysler Capital mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Over the past 5 to 7 years, I've tried online to dispute information on my credit report from TransUnion online I have been unsuccessful. They denied me and blocked me. I called several times on for them to be rude to me. The error code is always the same denied access. They said I am blocked from accessing my credit report online and there is nothing they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact Experian and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with Experian online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.
Product: Student loan

I requested to switch from XXXX to XXXX back in XXXX. Mohela sent me documentation that they have received that request on XX/XX/year>. Per federal regulations, which were clarified again in this week 's Education Department press release, Mohela has 10 days from receipt of my request to change plans to either complete the plan change or put me in a processing forbearance. They have done neither!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX - Inquiry Date : XX/XX/2020
Product: Student loan

I am receiving sporadic and inconsistent information from Aidvantage. I have been working for months to receive information about my income based monthly payment requirements. My monthly payment amount has gone up even though my salary has gone down by {$30000.00}. When applying for a FHA housing loan earlier this year, I needed documentation about my monthly payment. Aidvantage reported that my monthly payment would be {$310.00}. A couple of months ago my payment amount was listed as {$540.00}. I reached out to the company regarding the discrepancy and was told I needed to reapply for income based repayment and provide documentation that my income went down. I did that and have heard nothing even though I have reached out.
Product: Vehicle loan or lease

On XX/XX/2019, my son XXXX XXXX and I applied for a {$20000.00} loan on a car to which he already had clear and unencumbered title, to liquidate that equity for unrelated purposes. 

On a single phone call, a loan officer for Navy Federal Credit Union took both of our social security numbers as well as the VIN for the car we were pledging as collateral, and with our permission accessed our credit reports. She did NOT disclose to us, however, before accessing them, that the loan 's final approval would be conditioned upon her obtaining a " XXXX '' for the vehicle which did not indicate ANY faults, issues, negative history, or problems. 

She determined we were qualified for the loan, sent an email to me containing a hyperlink to a web page which she indicated would allow me/us to e-sign a promissory note and/or other relevant documents to fund it, and asked me if I would like to pick up the check in a branch or have it mailed to me. I indicated the latter, and the call ended soon thereafter. 

Within 30 minutes, we called back to ask a question about the loan ( whether it might be possible to increase its size, since the original requested amount was {$10000.00} less than {$30000.00} the maximum amount the loan officer disclosed to us that the vehicle 's {$27000.00} value would support, per their lending guidelines. 

On that call, we were told that the loan 's approval had been rescinded because of a " red triangle '' on the XXXX they had obtained, indicating that the car had, nearly two years ago, sustained " structural '' damage. 

NOTE : " Structural damage '' does not in any way equate to a branded, salvage, or otherwise less-than-clear title. I would also note that a similar product we purchased before buying the vehicle less than a month ago, " XXXX '' indicated NO such negative information. 

So, my son 's and my credit reports now contain " hard '' pulls because this institution sought and obtained our permission to access them under the false/fraudulent pretense that, if our credit and income was sufficient, we would be ( and IN FACT WE WERE ) APPROVED for this loan. They chose to more deeply research the collateral we were pledging, which can not suffer harm as a result of such research, only AFTER deeply researching us as borrowers, damaging both of our credit ratings in the process!
Product: Checking or savings account

I am receiving calls from a XXXX which seems like a legal number regarding that my ATM is no longer functioning and that I need to do something in this regard ( I never finished the call ). Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto Rico. I decided to report this since we have been informed that this is a fraud practice using the numbers of the institution. I am communicating this to the institution as well.
Product: Credit reporting or other personal consumer reports

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Product: Checking or savings account

I deposited a check from XXXX XXXX drawn on its XXXX XXXX account at XXXX A.M. on XXXX XXXX with my checking account with the Bank of America. As of today, XXXX XXXX, the check has not cleared the Bank of America! 

I called the Bank of America customer line. I spoke with a person who said that the bank was " in the process '' of clearing the check and that the funds would be available at XXXX XXXX on XXXX XXXX. 

I asked why the long delay. No answer. 

I repeated my question several more times. No answer and then the person hung up. 

There can be no excuse for not clearing a check within a reasonable amount of time which is no more than 2 to 3 days! But here the Bank of America will not clear the check for 10 days! 

Is the Bank of America using my check funds for other purposes? 

Why such a delay?
Product: Credit reporting or other personal consumer reports

XXXX & Equifax are inaccurately reporting the account listed as USDOEXXXX Account # XXXXXXXX the consumer agencies have not properly investigated this account that has several discrepancies. 

Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - XX/XX/XXXX Date Reported : XX/XX/XXXX - XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Creditor Type : Student Loans- Miscellaneous Finance Creditor Remarks : Account closed due to transfer - Account transferred or sold Student loan Last Payment : - XX/XX/XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurate on my report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax, XXXX, XXXX XXXX XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of this recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions failed to investigate my claims adequately. They in formed me that reversing funds was impossible and that Zelle has not only neglected consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. Experian refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXX {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

I contacted Equifax on numerous occasions via phone and online dispute to remove inaccurate information. They have my name as XXXX XXXX which is incorrect my correct name is XXXX XXXX. I submitted numerous disputes and included a photo driver license with the disputes and they have still failed to remove the inaccurate name from my report. 

The last XXXX disputes I filed with then are as follows : Dispute number XXXX on XX/XX/year> Dispute number XXXX on XX/XX/year> Dispute number XXXX on XX/XX/year> My driver 's license was submitted with all the above disputes.
Product: Checking or savings account

XX/XX/2021 Dear Sir or Madam, I contacted Bank of America about this issue twice on XX/XX/2021. This called started at XXXX XXXX EST. The last agent I spoke with was XXXX Agent IDXXXX. He stated to me that although the XXXX and other companies such as XXXX and XXXX insta-payments are not valid even if it shows in the account on online banking. They only do business XXXX for instapayments. However, instapayment definition and Bank of Americas definition was not clearly stated in my contract. This needs to be clarified for all consumers. Additionally, there was another issue with a refund that has not been processed from XXXX for {$55.00}. Had it been processed the deposit would have never been an issue and my bill would have been paid. I am given promises and they are not fulfilled and the bank charges me fees, as well as cause issue with the credit card companies who payments are affected. Additionally, when asked to waive the fee, due to the misinformation/confusion coupled with the delay refund, it was denied. Additionally, I have a concern about someone calling the bank around XXXX XXXX and discussing my account information and asking for a refund. I did not make this call to bank of America either. I have contract concerns, as well as security concerns. Lastly, BOA executive department never followed up with me about my previous concerns. 

Sincerely, XXXX XXXX. XXXX
Product: Student loan

In XXXX XXXX and XXXX I took out 5 loans. 
The last in XXXX being XXXX. For years navient recommended forbearance and or deferments and when payment was made when not in deferments. The moneys were allocated to loans that did not need payment yet and this caused extra late fees on the loans that were supposed to have gotten the full payment. They told us they divided up the money and dispersed it to all the loans. When asked for a lower payment option we were given an amount that didn't even cover the 12 % interest rate on the XXXX loan. Now 14 years later the XXXX loan is now a XXXX loan. Having the unpaid interest transferred to the principle. This causes interest rate to increase. At one point they claimed I owed XXXX on the XXXX loan due to interest. They have since lowered that number to XXXX. I am not sure why the moneys that we paid only went to pay off the smaller XXXX and XXXX loans with a 4 % interest rate. Also I spoke to XXXX XXXX who says They have my 5 loans including the XXXX loan. And we have been paying them as well. Navient claims my loans are private loans and are different. That is untrue. My loans are Federal Family loans.
Product: Vehicle loan or lease

On Saturday XX/XX/XXXX my wife and I traded in our vehicle financed through GM Financial to XXXX XXXX. The Manager called GM Financial notifying them of the trade in and asked for the payoff amount. The check was mailed the following week to GM to pay the vehicle off. I did not hear anything from GM Financial until XX/XX/XXXX that my payment was late. When speaking the GM representative they had no knowledge or notes of the vehicle trade in. I spoke with and also listened to the manager speaking with GM Financial. GM had not received the check. I immediately contacted the dealership and spoke with the manager who told me it was likely the check was lost in the mail and he would reissue another one. He also asked for the fax information for GM and sent them notification of what occurred and that a new check would be issued immediately. GM Financial disregarded all of this and still hit my wife and my credit for being 30 days late on payment. I have  sent copies of the faxed letters to all three bureau 's however they will not remove it from my report. I was in constant contact with GM as was the dealership. This needs to be removed from our reports.
Product: Credit card or prepaid card

I have my payments to Lowe 's Synchrony Bank set up through my bank to transmit payments to the company every two weeks on my payday so that when I get paid, I am immediately able to make my payments. I do this also to reduce the interest owed on debts which are calculated daily. 

Payments and fees from my statements attached : XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$28.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - I made a payment of {$80.00} XX/XX/2021 - Was assessed a Late Fee of {$39.00} I was just paid on Friday, XX/XX/2021 and a payment of {$80.00} will post to the account as of yesterday although it is currently showing delinquent and a late fee assessed. 

On Saturday, XX/XX/2021 I called the number listed on my card and the number on their website. The only options I could access were to use an automated system to make a payment or hear my balance. I could not speak to a representative. I tried to use the chat function on their website but was told that I needed to log in. This is a defect in their web service because I was already logged in as you can see from the pdf files attached, I was logged in to my Lowe 's credit account as I would have to be in order to access these. 

These actions amount to establishing roadblocks for consumers to prevent the fair assessment of an error on their part, which may actually be nefarious and not in good faith. Considering that I have shown extensive consistent payment history, I would infer that Lowe 's Synchrony bank seeks to extract additional monies from its customers through predatory lending practices by assessing late fees outside of a measly 10-day payment period and eliminating confrontation as shown by imitating incompetence through its website and restricting consumer access.