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

Hello. My husband ( also an account holder on the lease ) contacted Audi Financial on XX/XX/XXXX to request a XXXX XXXX deferment on both vehicles we have leased with them. This request was due to a job change. Via phone call on XX/XX/XXXX we were told the deferment for XXXX XXXX would be allowed as long as we returned the signed agreement. We received the agreement for each car on XX/XX/XXXX. We returned each agreement on XX/XX/XXXX. This complaint is regarding the XXXX XXXX XXXX. I uploaded the signed agreement on XX/XX/XXXX. I have sent no less than XXXX message requests via their website for response. I received a response on XX/XX/XXXX that confirmed they received the signed agreement for the XXXX XXXX and that it would be up to XXXX XXXX to process. Well, XX/XX/XXXX + XXXX XXXX was already passed on XX/XX/XXXX. Here we are XXXX XXXX later. I am receiving threatening collection calls stating the payment is past due, reporting late on my credit and there is a late fee added. Side note : the only reason the request was processed timely on the XXXX XXXX was because my husband had to send emails to the CEO and other high executives because the auto payment on that account wasn't canceled. They processed the deferral on the XXXX and overnighted him a check for the payment they processed. However, for some reason, I can not get Audi to cooperate and process on my end. This is unfair treatment. I am being harassed. They are not honoring what they said they would. 
ACCOUNT INFO : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX LAST XXXX OF ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXETER FINANCE CORP has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
Product: Checking or savings account

On XXXX XXXX XXXX  I was the victim of a scam where I was told I would be receiving a payday loan, which later turned out to be false. It instead was a switch where the company involved wanted me to send back money to them from my account and made false deposits to my account. While I was in the process of calling Wells Fargo about what happened they closed my account entirely. I had planned to do that anyway however they now will no longer do business with me again even though I was the victim in this case. I do understand that I fell for something false but I have banked with them for years and never once had an issue on my account such as this. Further they will allow my spouse to open an account, just not me. I don't believe this is a justified action on their behalf nor do I believe a thorough investigation into what occured was done by any means.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) that I believe have occurred and are negatively affecting my credit report. I am authorizing this dispute and affirming that it is being sent directly by me, not by any unauthorized third party. 

The violations I am raising include : Civil Liability for Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted inaccurate credit information about me without verifying its accuracy, which is a violation of the law. This noncompliance could result in civil penalties of up to {$1000.00} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency failed to inform me of my right to opt out of sharing my personal information, a practice that is not only misleading but also unlawful.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : The credit reporting agency reported erroneous account details and inquiries without properly validating them. This includes potential violations of Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Violations : The debt collectors reported false debts and accounts on my credit report without my consent, which caused undue distress and harassment. They also failed to comply with the Debt Collection Practices Act and regulations regarding the disclosure of debt information to third parties.

Inaccurate Reporting of Late Payments : The reporting agency inaccurately marked certain payments as " late '' without proper explanation or justification, which misleads creditors and negatively impacts my credit score.

Failure to Accurately Report Finance Charges : The credit agency did not correctly calculate the finance charges associated with my accounts, which they are obligated to do.

Unauthorized Reporting of Information ( FCRA Section 1681b ( a ) ( 2 ) ) : Certain credit inquiries were made on my report without my consent or a permissible purpose, wh
ich violates my rights under the FCRA.

I have outlined several specific items on my credit report that require correction or removal, including inaccurate personal information, false debts, and unauthorized credit inquiries. I have also requested documentation to support the validity of these debts and credit inquiries under the FCRA and the Debt Collection Practices Act. 

If these violations are not addressed promptly, I will pursue legal action as permitted by the FCRA. I am seeking a prompt response to resolve these issues and remove any unauthorized or inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Delete the late payments from my consumer reports XXXX
Product: Mortgage

I was charged XXXX dollars for a chance to refinance my mortgage by quicken loans. They accessed my credit twice which had an adverse on my credit account .I was denied my mortgage and a refund. They told me that if I paid them XXXX XXXX dollars they would give it to me. They laughed at me when I said I did n't have the XXXX XXXX dollars. I would like a refund. please accept this as a formal complaint by me. I am mentally XXXX and live on a fixed income. I may be able to provide supporting documents if I am able. Quicken loans is in XXXX michigan
Product: Student loan

I am filing a formal complaint regarding the mishandling of my student loan records by Aidvantage and the U.S. Department of Education. I recently became aware that my student loan data was accessed without my consent, which may constitute a serious violation of my consumer rights and FERPA regulations.

Complaint Details Loan Type : Direct Loans/ Parent PLUS Loans Loan Servicer : Aidvantage Date of Violation : XX/XX/XXXX Nature of Complaint : Unauthorized access to my student loan records and failure to respond to my requests for investigation and resolution. 
I request that the CFPB launch an immediate investigation into Aidvantage and the Department of Education regarding this matter and take appropriate enforcement action. 
Submitted a FERPA complaint on XX/XX/XXXX. 

Requested Resolution An investigation into unauthorized access to my student loan records.

Removal and deletion of all unauthorized loan records from my account.

Accountability measures for Aidvantage and the Department of Education to prevent future data violations.

I expect a written response regarding the resolution of this matter within 30 days. Please contact me at XXXX or XXXX for further communication. 

Sincerely, XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX regarding their failure to acknowledge a payment I made on XX/XX/XXXX to satisfy the outstanding debt on my account. On XX/XX/2023, I made a payment of {$280.00} to XXXX to settle the remaining balance on my account. I have attached a copy of the payment confirmation receipt, which includes the payment amount, date, and confirmation number, as supporting documentation for your review.
Product: Vehicle loan or lease

I have been trying to get my title for my car since I paid it off in 2020. I received a letter from Southeast Toyota Finance on XX/XX/2020 stating my account was paid in full. The letter stated that the state would provide a paper title to the address indicated on the paid in full documents. I never received my title. 
I have spoken with Southeast Toyota Finance on numerous occasions, as well as speaking with their parent company World Omni Finance Corp. On XXXX I spoke with XXXX who said he found " errors in the title release, error response from state : XXXX  '' There were two errors on XXXX and XXXX. He said it should take a couple days to release my title. I called and checked with XXXX  XXXX and XXXX  XXXX and they said the car was still titled to World Omni Finance Corp. 
I called Southeast Toyota Finance again and spoke with XXXX on XXXX and got a case number. They " escalated '' the title release and said it should take 5 business days to release. I called XXXX  XXXX and they said the title was still held by World Omni Finance Corp. 
I called the company back the following week and spoke to XXXX on XXXX and was told my title had been " released '' and that I should contact the XXXX -- when I contacted the XXXX  XXXX and the XXXX  XXXX the following week, they said the title was still held by World Omni Finance Corp. 

I was instructed to send my lien release letter to XXXX  XXXX to receive my title -- XXXX  XXXX sent the lien release letter back saying they needed more documentation and a " lien release notarized form. '' I was then instructed by XXXX  XXXX to contact XXXX  XXXX to get my title. I contacted XXXX  XXXX and they said to send the lien release letter to them to receive my title. I did this and the state received the letter on XXXX but I still have not received my title. 

Since XXXX  I have moved states, from XXXX  to XXXX XXXX, and I have been unable to register my vehicle in XXXX XXXX without a title. My XXXX  registration has expired because I no longer have XXXX  car insurance. My vehicle, which I have completely paid off is now un-drivable because Southeast Toyota Finance and their parent company World Omni Finance Corp have refused to release my title. I called XXXX  XXXX on XXXX and spoke with a representative who said the car was still titled to the parent company World Omni Finance Corp. I tried to call Southeast Toyota Finance again yesterday, XXXX and spoke with XXXX XXXX and in the middle of the call the line got a busy tone and then the call ended.
Product: Checking or savings account

I had my funds direct deposited into my Capital One account on XXXX XXXX  and have yet to receive access to my funds. There was a generalized statement that stated they were having technical issues and there has been no update as to a resolution timeline at this time, I am simply waiting for the distribution of my fundsto be able to pay my bills and need access immediately.
Product: Vehicle loan or lease

I went to the XXXX dealership on SaturdayXX/XX/XXXX, because I was having problems with my car. XXXX XXXX was the salesman who helped me. This was a first time car purchase for me. He showed me a used XXXX XXXX XXXX. I took it for a test drive. He asked if I liked it and that was it. He ran my credit six times before I was approved for a loan. I was told I did not need a cosigner. They asked me what I made per hour and how many hours I worked a week. That's how my income was estimated. They were rushing me and kept asking how much I was going to put down, The downpayment was paid before the contract was signed. I did not have proof of insurance when I left with the vehicle, I was told to text the information the next morning. As soon as I poke with my insurance agent I knew I wouold not be able to pay for the car and the insurance. The Monday XX/XX/XXXX my father, who was not with me at time of purchase, went with me to take back the vehicle. I was told by the manager XXXX XXXX, that there was no reversing the contract and it was a done deal. The car was left at the dealership. I contacted the bank that the loan was made through and told them about the situation. They had no record of a loan made to me. I called a few times during that week and no loan was found. Then I received a letter a couple weeks later from the loan comapany saying my loan went through and my payment was due. I contacted the bank that the loan was through and told them I did not have the vehicle.
Product: Mortgage

In XX/XX/XXXX a tree from neighbor yard fell causing damage to my house and deck. A claim was filed with my insurance company, and check was issued to me and to Ditech Financial as loss payees. I sent the check to Ditech and funds were sent to me by them to cover expenses, less a final amount held in escrow account pending satisfactory repair. Ultimately, Ditech issued a check to me in the amount of {$590.00} to close the escrow account, which I deposited XX/XX/XXXX. on XX/XX/XXXX I received notice from my bank ( XXXX XXXX XXXX ) that the check from Ditech was dishonored, and I was charged a fee of {$7.00}. I called Ditech XX/XX/XXXX and was told that an ACH transfer in the amount of {$590.00} would be sent to my bank account " within 72 business hours. '' There was no transfer. I called again on XXXX and was told that the payment request " was still in the system pending payment '' and that there were " about 3000 other customers in the same circumstance. '' The service rep XXXX offered to send a check for the {$7.00} fee. The primary payment would " probably '' be made " within a couple of weeks. '' As a reminder, this is an escrow account and the funds do not belong to Ditech.
Product: Credit card or prepaid card

I am asking for your help in both clarifying what American Express ( and other credit card companies ) can and can not do, and, I am asking how to initiate changing the regulations if in fact they are legally entitled to do what they say they can and are doing. 

I have been an American Express card holder since XXXX. 

Frequently, I travel internationally teaching so I typically pay a couple of thousand dollars more than my balance in advance, before I leave - to cover charges when Im away. 

This year ( as for many years before ) I called Amex in late XXXX ( around XX/XX/XXXX ) as I was soon going to make a {$33000.00} charge at a hotel as the balance due for our conference and wanted to make sure they would honor the charge. Knowing I was out of the country ( XXXX ) they made no mention that my due date for my current balance of {$2400.00} was in around eight or nine days and if I was late, an interest charge of 29.99 % would be applied to this new large charge of {$33000.00} even though it was not late. 

It seems my Amex was due onXX/XX/XXXX and as I did not pay it, I got an email a couple of days later ( already back in the US but not home ) that I was overdue. I called Amex when I saw they were charging me an outrageous 29.99 % on my overdue balance. I asked them to waive the penalty and the interest. Then, to add insult to injury, they charged that interest rate of roughly 29.99 % on the {$33000.00} hotel charge made onXX/XX/XXXX which was not late it was not even due yet ( they charged {$460.00} interest ). 

So, on a balance where {$2400.00} overdue and a new charge of {$33000.00} which was was only around 13 days old and NOT late - they charged the entire amount ( approximately {$36000.00} ) at 30 %. I paid my balance in full online ( around {$36000.00} ) onXX/XX/XXXX. 

When I called Amex to ask to have this penalty and interest waived as it was wrong and I have been card holder for 50 years, they refused. I wrote to XXXX XXXX XXXX, the CEO and was contacted by a representative of the Executive offices ( XXXX ) and told that was something about the trailing interest on the residual balance which allows them to charge on interest on new charges - if there is a balance overdue. This makes no sense - and if it is legal - it is still wrong. 

I am asking you to clarify if Amex is allowed to do this and if so, what has to happen for that part of the regulatory system to change. This is unconscionable and just wrong. 

Please clarify and advise. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Student loan

Back in XXXX XXXX failed to properly advise me and my co signer of late payment and non issued payments and reported to the credit beaure. I was unemployed and while my co signer called, mailed and notified XXXX of his in awareness of correspondence they failed to remove the credit ding. 

My co signer was my brother with a similar name as my father, they had my father and brother mixed. It was a mess. 

Some of my private loans I have asked for proof of my signature documentation and verification because I was unaware of half of my private and Federal loans that supposedly my private college took out in my name since XX/XX/XXXX. 

There was no assistance from them after repeated calls and attempts to provide me with proof. I 've been paying since then and drowning in student loan debt without a degree to pay off over {$100000.00} in SLD {$80000.00} is privatefrom Navient,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I contacted XXXX, Nelnet/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with regard to grossly inaccurate information submitted to the credit bureaus. I had not received any correspondence from the Federal Student loan agency re any alleged debt. When I asked why they hadn’t let me know of any problem in any way, they stated that they didn’t have my mailing address or email. I pointed out that I still have correspondence from them at the correct addresses from XXXX  when I was granted discharge on the remaining balance due to permanent disability.XXXX  made some corrections and my credit score went above 610, the necessary figure to be considered for affordable housing. I am now technically homeless though I’m still at my address because tenants are suing the landlord for wrongful eviction. I have been turned down for over 50 apts due to these inaccuracies on my report.Now, my score has gone to XXXX due to the fact that when XXXX  contacted NelNet, they confirmed that I still owe them money. They even state that I am in delinquent status due to 5-6 months unpaid when I’ve never received a bill from them. I have made two payment arrangements with them, one of which should be reflected on my report in 60 days. The XXXX department itself at the Department of Ed advised me to set up these arrangements and told me that he has contacted XXXX  regarding the inaccuracies in my report. I am not in a position to wait 60 days to find a new home. Please help.