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

I recently purchased a new Audi vehicle and financed the purchase through Audi Financial Services. In order to pay my bill, I setup online access to pay my monthly bill through XXXX. I was successful in setting up my banking information and changing my monthly statements to paperless. 

I tried to make a payment on the XXXX website several times in XXXX of XXXX, but each time the Audi Financial Services Dashboard would not load on their MyAudi site. Clicking on the link to Audi Financial Services Dashboard results in a spinning red circle for a moment, or an error message. I contacted their support line and did a ton of web browser troubleshooting across three computers, but could not get their website to load correctly. Support could also not assist with enrolling me in automatic payments or re-enabling my paper statements- Two actions that can only be done via the XXXX website. 

I have tried several times between XX/XX/XXXX and now XX/XX/XXXX to get the website to function correctly. I have called Audi Financial Services support, I have contacted Audi 's General Customer support, I have XXXX to the brand accounts several times - no one is interested in fixing this broken website. I can see several other people on XXXX have made the same complaint, leaving them unable to get their statements, make a one-time payment online, or make changes to their autopay preferences.
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving this matter. 
XXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

1. Experian gives no phone number, email address or snail mail address on their website to complain about their fraud. 
2. They fraudulently claimed that I had XXXX negative items reported " between XXXX XXXX, XXXX and XXXX XXXX, XXXX '', but when I view the credit report, there are no such entries after XXXX. 
3. It is no surprise that they sell " identity protection '' of sorts, and this giving out of falsified information is simply a selling scam for their products.
Product: Credit reporting or other personal consumer reports

Company reporting on my account. 
Company reporting XXXX XXXX XXXXXXXX off Refuse to send proper XXXX for tax filing The proof of inaccuracies FRAUD WARNING AGAINST REPORTING 15 USC 1681 E B
Product: Consumer Loan

I took a vehicle loan out with Compass BBVA over 2 years ago and have always made my payments. Earlier this year there appeared to be an issue with my insurance renewal not meeting the correct coverage and Compass decided to take their own insurance out on the vehicle. They did this without ( i ) notifying me ( ii ) informing me that my existing insurance did not meet their requirements ( iii ) providing any evidence whatsoever that a policy had been taken out ( iv ) with exceedingly expensive premium ( way above any normal insurance cost ) ( v ) without any regard to the fact that I already had insurance and account for the money already spent. I was contacted by Compass BBVA on the XXXX Septemebr 2016 to make a payment on account, at which point I queried with them the additional costs. I refused to pay the additional cost and placed the item in dispute for someone to call me back to discuss. Instead I paid the normal monthly installment so that it would not affect my credit. No return call was made. I then made a further call to discuss the matter and customer services could not locate my account due to an error in administration when inputting my social security number. I was therefore not able to discuss the account further. I then filed a complaint with Compass as to why I could not discuss my account with anyone. After their investigation they apologised for inputting my social security information in wrong, I 'm amazed that they could not locate my account information by anything other than my social security. Still to do this day I have never been contacted about this other than to demand money yet they have gone a placed a late payment marker on my credit profile. This is an absolute disgrace. Please assist with this issue. A late payment marker should only be applied to an account that has its normal monthly installment late, not when the installment has been made and an item that does not relate to the contractual sum is placed on the account and then disputed.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

Regions bank has been posting transactions and credits out of order for customers to get overdraft fees.
Product: Debt collection

Date : XX/XX/2021. Debt collection letter from Southwest Credit. 
About : XXXX auto insurance membership fee, amount : {$57.00}. 
I switched my auto insurance last year, and stopped paying XXXX auto insurance membership, since I got auto insurance policy and services covered by another auto insurance provider. I did not need XXXX auto insurance membership anymore once I switched to another insurance provider. 
But I still got debt collection notice from Southwest Credit Systems LP, stating that I owed AAA {$57.00} membership fee. 
It is total ridiculous! How can a prepaid insurance membership fee need to be collected since I even do not need to have its membership? Why XXXX sold such a kind nonsense to a debt collector? I was really upset by such a harassment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA XXXX ( XXXX U.S.C. XXXX ), requesting TransUnion, XXXX, and Transunion to XXXX information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at The XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry at The XXXX XXXX XXXXXXXX XX/XX/XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the XXXX Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Checking or savings account

XXXX uses a Keybank card for my unemployment benefits, Someone has repeatedly debited my card using something called bill pay for {$7000.00} I initially opened the dispute with Key bank on XX/XX/XXXX th 2021. They are still stalling and hang up on me repeatedly, when I ask for a status, update or time frame.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint following your recent investigation. I disagree with your findings and request a thorough review for complete accuracy. I believe more effort is needed to contact the creditors reporting this information. Therefore, I request additional details on the following accountsquestion : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} -- -- -- -EXPERIAN : XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} -- XXXX -- XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and correct these accounts. Provide me with the names and addresses of the persons contacted. You have 15 days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this time constitutes non-verification, requiring prompt correction or removal of the accounts according to Section 1681i ( a ). Notify me when the accounts have been corrected or removed, and forward an updated copy of my credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX  XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/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, EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Have submitted a prior compliant under number  XXXX . The complaint shows closed, but have been unable to read the company 's answer and justification for closing the complaint. Until I can read their reply, I consider this matter unresolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I froze my credit with all three reporting agencies. On XX/XX/XXXX all three agencies had lifted that freeze fraudulently. I did not request that. XXXX sent me an email telling me it had been lifted. BUT trans union did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.
Product: Credit card or prepaid card

On XX/XX/2014 I submitted a payment ( {$96.00} ) to Bank of America that was not accepted because I had insufficient funds in my bank account. From this date on, Bank of America placed this XXXX insufficent payment in the column of cash advances. 
Instead of there XXXX interest rate, I am now paying XXXX solely on this {$96.00} insufficient payment that was never a cash withdrawal. 

What the company should have done was charged me a late fee. Instead, I have been paying 24.24 % on the XXXX I have now paid {$290.00} on the {$96.00}. The charges continue for the {$96.00}. it is my contention that Bank of America is abusing the customer by having them pay the cash withdrawal percentage rate on an insufficient fund payment. 

Please advise if there is any remedy to this abuse. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have my XXXX XXXX  on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my credit score to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called XXXX  numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments from my credit report
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. 

It is unacceptable that Experian, as XXXX of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. 

Below, I cite XXXX key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : XXXX. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. 

XXXX. XXXX*15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 

XXXX. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. 

I demand that Experian : XXXX. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report. 

XXXX. Provide me with written confirmation of the results of the reinvestigation, including any corrections made. 

XXXX. Remove any inaccurate, incomplete, or unverifiable information from my credit report. 

XXXX. Cease any practices that violate federal consumer protection laws, including sham investigations.
Product: Debt collection

I moved to another state and dont live in XXXX XXXX anymore and I am being charged for debt that I did not create. Someone is opening up Accounts in my name.
Product: Debt collection

I am requesting this comply remove/delete this item from my credit profile. I have reached out to them numerous times in regards. 

I also am a victim of identity theft, my credit profile was once locked before with all 3 credit bureaus and all 3 credit bureaus also have my identity theft police report. 

PROFESSIONAL DEBT Original creditor : XXXX XXXX  {$12000.00}
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite multiple correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove fraud items in my credit file : 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 XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2022 my mother-in-law ( XXXX XXXX XXXX ) closed her savings account with Ally Bank and requested that the funds be transferred to her XXXX XXXX checking account so that it would be included in her trust. I have a screen shot showing that Ally would take 1-2 business days to close the account ( {$250000.00} ) and 3-5 business days to transfer. She passed away on XX/XX/2022 but Ally Bank was never notified because we knew that this transfer was in process. She never received notification that there was any issues with transferring the funds. On XX/XX/2022 I attempted to log onto her account to see if the funds had transferred and the account locked because the inquiry came from a new device. After contacting Ally later we were told that they would need documentation. I sent them her death certificate, copy of the document recorded at the XXXX XXXX Recorders Off e showing me the Trustee of her trust, a copy of my drivers license and directions on where the funds should go. They come back saying that it would need to go to probate now. I argued that this should have been a done deal and that Ally dropped the ball. When I asked Ally Bank what was the issue with the transfer of funds all they say is We cant disclose that information. It was obviously an error and their part and now they want us to spend thousands of dollars going through probate.
Product: Debt collection

I owed them credit card debt then it went into collections i paid the collections sgency and they never removed it from my credit.
Product: Checking or savings account

Over draft fees due to fraudulent charges. Submitted a claim with Regions Bank. This has happened to me numerous times with Regions and they are theft out of my account. Regions has never returned stolen money. My question is why is the FDIC insuring the customers money when they dont follow that law?? 
Every other big bank in the US does a much better job at protecting and replacing stolen money. Apparently Regions Bank gets away with this protocol and the US Government does nothing. How many Class Actions suits are against Regions? I am sure I am not the only one. Please contact me at+XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting fraudulent and incorrect information after I have submitted an identity theft report as well as a police report. I have never lived at XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX & XXXX XXXX XXXX XXXX, LA XXXX. The following accounts are fraudulent XXXX XXXX XXXX, LA XXXX XXXX XXXX. These inquries are not mine & I did not give anyone permission to look at my credit from these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, & XXXX XXXX XXXX, XXXX XXXX