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

On XX/XX/XXXX, I contacted Audi Financial Services to cancel the Gap insurance on my recently purchased XXXX XXXX. I was advised by a salesman at Audi that I should not have been forced into paying for that especially since the warranty was soon to expire and that I can call Audi to have it cancelled. I called and spoke with a customer service representative who advised me that the Gap insurance must be cancelled at the dealership from which I purchased the car. So I called XXXX Audi of XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number, XXXX. When I called, I was advised that I had to make the request in writing to the Finance Manager, XXXX XXXX. I had no problem doing this since he has helped me both times when I leased and purchased my vehicle from this location. On XX/XX/XXXX, I sent the following email : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Cancellation of Gap Insurance Request VIN # XXXX Good morning, I am writing as a formal request to cancel the Gap Insurance on my XXXX XXXX XXXX, VIN # XXXX. I have spoken to Audi Financial Services and they informed me that I have to make my request through the dealership where I originally purchased the vehicle. Please let me know when my request has been fulfilled. 

Kind Regards, XXXX XXXX, XXXX XXXX I did not get a phone call nor a reply. On XX/XX/XXXX, I sent the following email with High Importance : XXXX XXXX Tue XX/XX/XXXX XXXX XXXX XXXX Good morning, This is my second request to cancel my gap insurance on the vehicle listed below. I expect that this request will be completed by COB today. Thank you. 


Still, no response. Today is XX/XX/XXXX and I have yet to receive a phone call or email regarding my request yet I know that the request was delivered because I have read receipts. This is unprofessional and very unlike the company Audi that I have trusted for several years, establishing a good relationship and superior payment history. I would like my Gap insurance to be CANCELED, effective XX/XX/XXXX and the check to be mailed to my address which they already have on file. I expect this to be done within the normal 15-30 business days. If not, my next step is to file suit, which is not a route either parties would like to take. Please advise.
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Vehicle loan or lease

I purchased a vehicle from car mart XXXX XXXX and the day I did so I spoke with manager about an oil leak I noticed he assured me it was just from the engine being power washed and and so I was very hesitant and the manager then said that if I felt better he would see about getting it in down where I live in my area with in the first week ( so that it was still with in my window for the policey so I could return it and get something different ) too double check everything and make sure that there was nothing seriously wrong. Mean while I refuse to make a payment until I knew if I would be keeping the vehicle so a month later they call and tell me finally that they don't have a shop in my area I have to bring it an hr away to get it looked at by there mechanic and they had to 1st see when that would be and get back to me in the meantime they show up my work to repossess the vehicle I explained the situation I had been dealing with and they said that they would get it on have it looked over and as long as I was to get my payment I could get vehicle back 2 weeks later after having to quit my job and only source of income to take care of my XXXX kids and my sick husband I contacted them to see if they had been able to look at the car which they had and they found that it was a blown head gasket and they were to also suppose to check out the transmission as well because it was slipping as well which they said they didn't see anything wrong with it and wasn't slipping so anyway they gave me the option to get the vehicle back but have a blown head gasket and transmission slipping which are major things to have wrong when you are paying XXXX for a vehicle that you were lied to about right off the bat about and wasn't able to take advantage of the trade in if you don't like it window because it took them over a month to get vehicle in to a mechanic so I voluntary decided to resposes the vehicle and they end up selling the vehicle and are stating I owe XXXX + on the said vehicle
Product: Mortgage

I contacted PHH Mortgage today ( XX/XX/XXXX) and advised them that due to COVID-19 I could not make my mortage payment BUT I could pay the principal and interest on time ( by tomorrow which I have done anyway ) and then the escrow amount when my stimulus check arrives, hopefully within the next two weeks. 
They indicated to me that the payment of principal and interest would be placed in a suspense account until the escrow amount was paid and I WOULD be charge a late fee. 
That does not seem ethical. The escrow funds belong to me not to the lender, it is my money that they collect as a convenience to the mortgage holder NOT REQUIRED. The principal and interest is being paid on time and that should not be subject to a late fee, after all they are collecting interest on the money that they are holding and not applying to my account. 
My only option is forbearance which I don't really need, nor do I need the additional interest being accrued during the forebearance period. 
I appreciate that they have a forebearance program for people but that is not what I am asking for, only that they waive late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by JEFFERSON CAPITAL SYSTEMS The inquiry was initiated without my authorization, and it has negatively impacted my credit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX JEFFERSON CAPITAL SYSTEMS Contact info Phone number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Address at the Time of Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX  XXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process wa unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Payday loan

I keep getting calls at all hours, XXXX etc. XXXX. and I finally after XXXX calls got the heavy accented person to tell me the company calling me and my friends, relatives, is NCO from XXXX, florida. I told him I had turned him into the oregon state attorney generals office and the CFPB also, and he told me the case is closed, and now I will be served papers and sued from them and a company called XXXX XXXX XXXX whoever that is. He said it was a payday loan company, but I never took a loan with them. I asked why I hadnt recieved a bill and he couldnt answer that. The first call they wanted money over the phone, this call once I told him what I did, he said I would be served papers. On the internet there are lots of complaints about these people. They need to be stopped. I want to sue them if you will take my case. Please help me to make the phone calls stop. I have also filed a complaint with the state attorney generals office. Please feel free to contact me at XXXX during the day. I am XXXX and cant take much more of this harrassment. Thank You.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Product: Debt collection

I received a notification that my credit report had changed on XX/XX/2021. I logged onto XXXX and learned that a collection company called Wakefield & Associates had filed collection items on my credit report. I pulled my reports with XXXX and with XXXX and Wakefield & Associates was on all 3 reports. I placed a dispute on each report on XX/XX/2021, because I was never served any communications prior to them reporting on my credit, which is a protected act in the Fair Debt Collection Practices Act. 

I then called their office on XX/XX/2021 to speak with someone in charge. I was told I would have to leave a voicemail and wait for a return call. As of XX/XX/2021, I have yet to have the company return my phone call. Another violation of the Fair Debt Collection Practices Act. 

I am now searching for an attorney to sue Wakefield & Associates for fraudulently reporting inaccuracies on my credit report ( 2 instances ), no communications ( 2 instances ), not returning my phone call ( 1 instance ), defamation of character ( 2 instances ) and any other violations that may have been violated in both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Mortgage

We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. 
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. 

Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. 

Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion are reporting these two closed tradelines with XXXX XXXX XXXX XXXX. THEY WERE REMOVED FROM MY XXXX REPORT AND MY XXXX REPORT. I AM REQUESTING FOR THESE TWO ACCOUNTS TO BE REMOVED IMMEDIATELY. TRANSUNION IS VIOLATING 15 USC 1681e. IF THEY DO NOT COMPLY I WILL FILE ANOTHER SUIT ON TRANSUNION. SEE ATTACHED WITH THESE ACCOUNTS ON MY UPDATED TRANSUNION REPORT AND NOTICED FROM XXXX REPRESENTATIVE SENDING ME NOTIFICATION THAT IT WAS BEING REMOVED FROM XXXX. TRANSUNION IS THE ONLY ONE REPORTING AGAINST FEDERAL LAW. 
ACCOUNT # ENDING XXXX ACCOUNT # ENDING XXXX
Product: Debt collection

I found a medical debt on my credit-I reached out the collection company and requested a validation of the debt- The collection company sends me a a two page letter back telling me where the debt was from and that they tired to bill my insurance 8 months after the debt occurred. No documentation that I signed anything and this bill is due to a emergency room visit, but the company doesn't tell me which hospital I have requested this information three times-but I don't get really any information. My concern is that this debt is not mine and is due to fraud-I 'm a XXXX XXXX and between the years of XX/XX/XXXX-XX/XX/XXXX, I had an ex-employee use my info as hers. 
At this point-This company can't follow the simply validation process and is putting a collection on my credit that is doing a lot of damage. Why am I required to pay a bill ( so they can delete it off my credit ) if I don't even know which hospital I apparently went to.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is TransUnion the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Product: Credit card or prepaid card

On XX/XX/XXXX found out a credit card was opened fraudulently on my name through Bank of America, after reviewing alerts on my XXXX account. My name, DOB and SSN was used to open the fraudulent account. The account was opened XX/XX/XXXX. By XX/XX/XXXX the account had a balance of {$15000.00}. BOA told me on XX/XX/XXXX they put a hold on the credit card account and opened a fraud claim. They are supposed to be sending me an affidavit form to complete and return. BOA advised it could take approximately 30 days to investigate. 

On XX/XX/XXXX I also filed a police report with XXXX NC XXXX, and contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) to freeze my credit. 

On XX/XX/XXXX I contacted XXXX XXXX to open a fraud claim for ID restoration. This was not done and I had to call back on XX/XX/XXXX to request this again On XX/XX/XXXX, also contacted XXXX to request a 7 year fraud alert- was told they will also notify XXXX and XXXX.
Product: Checking or savings account

Ive made three prior complaints about this matter they lied about the opening checking account you receive a XXXX or bonus with direct deposit I did all that they broke down my direct deposits in two different payments so it would be less than {$500.00} so that way they could get out of giving me the bonus Then upon that my debit card my bag my phone was all stolen they use my phone to gain access to my checking account change my pin number use my ATM card to make purchases online and drain my bank account about XXXX bucks his company refuses to give me my {$500.00} back they say that it didnt happen but yet the funny thing is is I just received a letter today stating that their investigation was finished and they did in fact find out that fraud was involved and they granted me a payment of {$280.00} for some of the charges on there but there still standing at the ATM withdrawal was not fraud so I would like to get them to explain to me how that works The representative from the bank called me one time left me a message his voicemail says XXXX get back to you within 48 hours Ive called him seven times he will not return my phone calls its almost like they wanted to make it look like they made contact but in return they didnt really want to make contact because I cant get no calls return Im asking if something be done with this bank Ive gone through XXXX Ive gone through different web searches and see that they do this to a lot of people and they cant just be like oh I have high morals and values and I promise you I will die on this hill I will go forward with civil proceedings or whatever I have to do to get my money Im including pictures of the deposits and a picture of the police report number
Product: Student loan

I am writing to formally dispute and request an immediate review of my student loan account due to an unauthorized breach of my personal and financial information. Specifically, my data has been accessed by the XXXX XXXX XXXX XXXX, an entity that is not an official government agency, violating federal privacy laws. This constitutes a severe breach of my rights under FERPA ( Family Educational Rights and Privacy Act ) and other data protection regulations.

Nature of the Breach : My student loan records, including sensitive financial and personal details, have been accessed without my consent. 
The entity known as the XXXX XXXX XXXX XXXXwhich is not a recognized government agencyhas gained access to this sensitive & private information, raising serious legal and privacy concerns. 
Due to this unauthorized access, I no longer feel safe or confident in the security of my financial data, and I am at risk of identity theft, fraud, and further privacy violations. 
Legal Violations and Concerns : 1. FERPA Violation Student loan and financial records are protected under the Family Educational Rights and Privacy Act ( FERPA ), which requires proper authorization before disclosure to any third party. This breach is a direct violation of these protections.

2. Breach of Trust and Confidentiality My loan servicer and associated federal agencies have a duty to safeguard my private information, which has not been upheld.

3. Potential Consumer Protection Violations Under the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) guidelines, financial institutions must ensure consumer data security.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per XXXX XXXX this is the only way to remove me ) and they WILL NOT LET HIM do this! 

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband lost his job around the same time my hours were cut at work a year or two ago. I had 4 credit cards at the time. Due to English being my second language I ask my husband for help with taking care of our credit card debt. He made multiple calls to each credit card companies explaining our situation in detail. We asked for any forgiveness and if there could be any payment plans we could take on until we were back on our feet. With XXXX children we are pretty maxed out when it comes to paying all the bills with just one salary. None of the credit card companies would work with us in any way. Eventually my accounts were sent to collections when we could not meet the monthly minimum. Again tried calling the card holders and was completely shut down saying there was no arrangements that could be made. My husband and I both now have full time jobs and are moving in a great direction. However my credit score still suffers from a tough time in our lives when we had little to no control of what was happening in our careers. I complain simply because I did everything in my power to make things correct with these creditors and avoided bankruptcy at all costs. My credit score should make it aware that i do my best to make sure my bills are paid on time  and to the best of my ability