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

To Whom It May Concern, I am writing to formally lodge a complaint against TD Auto Finance for their lack of customer support, unprofessional conduct, and unwillingness to work with me during a very stressful time following an accident that totaled my vehicle. 

I purchased my XXXX XXXX XXXX at a premium price, reflecting its market value at the time of purchase. However, due to significant depreciation, the vehicle 's value decreased drastically compared to its original purchase price. A few months ago, my vehicle was involved in an accident where debris damaged the undercarriage, causing irreparable battery damage and resulting in it being declared a total loss. 

XXXX XXXX covered the depreciated value of the vehicle, but due to a policy change, they no longer included gap insurance. This left me responsible for the remaining balance of approximately {$8600.00} on my loan with TD Auto Finance. 

As a responsible borrower who has always made payments on time, I contacted TD Auto Finance in good faith to request an arrangement to continue making my regular monthly payments to cover the balance. Instead, I was met with rude and dismissive responses from their representatives, who insisted I must pay the balance in full immediately or risk having the account sent to collections. This approach is deeply concerning and lacks the empathy and flexibility one would expect from a company that promotes customer satisfaction as a core value. 

To add to my frustration, I received a letter from XXXX, an XXXX XXXX XXXX, stating that she had tried to contact me regarding my concerns. However, I never received any call or email from her. I attempted to reach her directly at the number she provided, ( XXXX ) XXXX, during her stated office hours of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I left multiple messages on her voicemail, but I never received a single call back. Despite claiming to care about resolving my issue, their lack of follow-up suggests otherwise. 

This experience has been deeply disappointing. I feel that TD Auto Finances actions reflect a complete disregard for customer needs and a lack of effort to work with borrowers during challenging times. 

I respectfully request that TD Auto Finance is held accountable for their lack of professionalism and poor customer service practices. I also urge TD Auto Finance to improve their policies and communication processes to better support customers in similar situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is misreporting the balance and status of a charge-off auto to XXXX and Equifax. The account has been settled for less than the full balance, and is reporting to XXXX  correctly with a {$0.00} balance owed, and settled.
Product: Mortgage

Please see attached letter of complaint that was sent to both Loan Depot as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The loan officer involved, XXXX XXXX XXXX, AL LIC # XXXX, was the loan officer involved. She was the loan officer for the buyer of my home. The letter will explain in detail the delays for two months in closing the house, her incompetence and negligence, as well as unethical and possible illegal behavior. Not only did I incur thousands of dollars of unnecessary expenses, but her client ( my buyer ) also incurred expenses, as well as the seller of the house I was to purchase. Because of XXXX XXXX negligence it was a domino effect that resulted in 10 's of thousands of dollars being spent by families unnecessarily, not including the stress and strain it put on families. 

At the bottom of the letter you will also see the others to whom the complaint was submitted.
Product: Vehicle loan or lease

On XXXX XXXX 2017, there was a hail storm in Colorado, on this day my car was damaged. It took a substantial amount of time for the insurance company to determine the damage. I was late on payments but never fell more than 2 weeks behind, never hitting the 30 day mark. 

On XXXX XXXX, 2017 my insurance company mailed a check in the amount of {$6400.00}.??, on the same day Wells Fargo removed my XXXX and XXXX payments both for {$340.00}, they submitted to my Gap insurance company and then put the payments back on the account. 

My understanding was the Insurance check was only meant to pay the principal off, not the interest, I could be wrong. 

On XXXX the XXXX I requested that Wells Fargo make an adjustment for the account as myself and my insurance agent had to make numerous calls to get this in motion. Given conflicting information on all phone calls. 

On XXXX the XXXX I spoke with XXXX, she stated that I could make a settlement payment of {$2500.00} and it would reflect on my credit and I would receive a 1099C for the additional. 

On XXXX the XXXX my mother in law called in to make the payment of {$2500.00}, she advised it was through an equity account, they took the payment. 

On XXXX XXXX, I called to verify the funds were received and wanted information on the title. Wells Fargo was unable to provide the information as they stated the amount was not approved, I was transfered from the office of the president to the XXXX back to office of the president. I informed that this matter needed to be resolved by XXXX. 

On XXXX XXXX, XXXX XXXX called, stated that the amount had not been approved because I would be over paying, XXXX still considered a settlement though ) I offered to not take a refund for the {$410.00} and just put that toward the car if it would lower the amount to be paid in full. XXXX hours later the payment was reversed in the account and shows a past due balance again. I called and spoke with XXXX in Wells Fargo Dealer Services ( collections ) she stated there was no manager in collections and that I could talk to the OTP. She stated since the funds were returned I could only make certified funds payment, I advised this was not my problem as we told them in the begining it was a home equity account and they took the payment. I spoke with XXXX in the OTP Case # XXXX she assigned it to XXXX : XXXX My car is up for repo on the XXXX if the payment is not received, I work and will be going out of town for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX Balance : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax REFUSES to update my personal information. Equifax has got a long list of addresses attached to my personal information. I have only one address, and that address isn't on their long list. Additionally, Equifax has put identity theft into my credit report, since I have never lived in XXXX, but they insist on keeping a XXXX address on my credit report. I have repeatedly asked and told Equifax to update my personal address and personal information, including removing the fraudulent XXXX address, but they refuse to remove the fake information. Equifax refuses to correct the false information they had put on my credit report. When I try to update the credit report online, I am told that I must call a phone number. When I call their phone number, I am told that I must go online to update the information. When I speak with a person at Equifax, they say I must go online, or they say they will take my message about updating my personal information, or they say I must postal mail paper documents. When I postal mail the paper documents, I repeatedly postal mail museum-quality documents, and after a couple of months, the eventual reply from Equifax is that they are unable to verify my identity. This has been going on for decades. Never in the entire existence of the Equifax company, has Equifax ever able to verify my identity with my brith certificate, my social security card, my driver 's license, my passport landing page, my car registration card, my car insurance card, my voter registration card, my monthly bank statement, or my monthly mobile phone bill statement. The current address that Equifax has on my credit report is at least 15 years old. I have never been able to update my personal information or ever get a copy of my Equifax credit  report. In every way, Equifax is a criminal enterprise with a mission to create chaos, promote fraud, and hinder economic success.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Identity was stolen in 2018 and leaked in several data breaches several thing on credit donot belong to me.
Product: Money transfer, virtual currency, or money service

I have a Venmo account and more than once now my account has been completely frozen for alleged suspicious activity I use the same bank account and I havent changed how I transfer money so Im very confused as to how it is suspicious. Its been locked for weeks and I cant get my money out to pay my bills.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXXand I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if XXXX does not contact them to straighten this out.
Product: Checking or savings account

Scam perpetrated on XXXX XXXX in afternoon. Alleged shutting of power off. I am a XXXX XXXX XXXX XXXX XXXX retired and shutting power off is alarming. XXXX used to pay alleged non payment of {$730.00}. Live Bank of America Associate in Fraud Protection talked to me within two hours of event and told me I had addressed scam timely and transaction would NOT go through. 
While reviewing my account online on or about XXXX XXXX, I saw a withdrawal of {$730.00}. I immediately called BOFA and a scam number was established. 
I have since visited branch banks four times in person in two municipalities and spoken to BOFA associates working at home in XXXX ; Tennessee ; Texas ; and P.A. Just to name a few and spent over 40 hours on hold over the phone cumulatively. 
I was given XXXX XXXX XXXX to email ad head of customer service. Website identifies her ad President of Retail Banking. She has not returned either email. 
One Associate by phone told me the perpetrator received the money at XXXX XXXX and suggested I go there which I didXXXX XXXX rightfully told me it was BOFAs responsibility so I again visited a BOFA branch bank. No results. 
Help please! These are sophisticated criminals and I will make an excellent witness for the prosecution. Lets get them and get me the hugely needed funds!
Product: Credit reporting or other personal consumer reports

I implore you to promptly address this discrepancy on my credit report. I affirm  that this account does not belong to me and strongly suspect it to be fraudulent.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I paid my XXXX XXXX Barclays account off in full. I have statements that show I paid the account in full and have called XXXX XXXX multiple times asking for a letter to show a XXXX balance. My credit report is showing I have a balance, which I do not have a balance.
Product: Credit reporting

I wish to make a formal complaint about an inquiry on my Credit File. The issue is that I applied for a Credit Card at XXXX Bank in XX/XX/XXXX in hopes to improve my credit rating and was approved but never received the card. I assumed there was a long processing time to obtain this card, but when I researched this issue at a later time I found out that they did send me a card but the address never included my apartment number so the card got lost in the mail. They then informed me that due to the delay in activating this lost card they closed the account. 
The Bank then informed me that I would have to start this process over again to obtain another card. I decided not to do this, but I have this inquiry on my credit file which gives the appearance that I have applied for credit but been denied. I wish to remove this item from my credit file to avoid any confusion from potential creditors. 
This inquiry will not be removed until XX/XX/XXXX. 
I sent a letter to Experian explaining this issue but have not receive any correspondence in resolving this issue. 
Latest Experian Report Number : XXXX : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that XXXX, EXPERIAN AND XXXX are reporting inaccurate credit information in my credit report. Date of last activies, date report and high balances are different in all tree credit bereaus. Anything in my credit report have to be 100 % complete and accurate and those dates are inacurate in all three credit beraeus. 

Alleged Creditor : XXXX XXXX XXXXXXXX Alleged Creditor : XXXX XXXX XXXX XXXX XXXX Alleged Creditor : XXXX XXXX  XXXX This is a violation of the FCRA and I respectfully request that they remove this listing immediately.
Product: Credit reporting

While monitoring my account of XXXX XXXX, I witnessed TransUnion Reinserted previously deleted information to my TransUnion report less that two weeks after receiving it. TransUnion deleted Hard Credit Inquiries on XXXX XXXX from my Credit, then for no apparant reason added them back to my credit report two weeks later. My husband had the same problem happen to him. This has caused a serious amount of stress to my husband and I who have been desperately trying to buy a house for the past 6 months. If it is true that the Credit Reporting agencies can not remove Credit Inquiries from your Credit Report within recieving notification from a creditor, I would like to know understand the likelihood of all XXXX creditors deleted the inquiries on the same day, then all XXXX creditors re-added the inquiry on the same day. My husband works in XXXX. We have the screenshots to prove it, the proof is also on our credit reports. This is not fair. They are messing with peoples lives because most people are not as observant. If it was n't bad enough that we had to fix a combined XXXX errors on our credit reports, this setback is heartbreaking.
Product: Credit reporting or other personal consumer reports

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My XXXX XXXX is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Product: Student loan

I object to the amount owed to the Department of Education. My original loan amount was {$53000.00}. {$17000.00} of that amount was forgiven through the XXXX XXXX XXXX Loan Forgiveness Program. I  should owe around {$36000.00}, yet the DoE wants to garnish {$110000.00} from my paychecks? Why is that amount triple the loan principal? That is an absurd amount of money. I am a XXXX not a brain surgeon, so why charge me medical school loan amounts? 

I appealed the wage garnishment decision and was rejected even though the Department of Education neglected to consider the $ XXXX in medical fees I owe due to XXXX XXXX. 

If the loan principal amount was accurate then I could make those payments, but Im not sure any  XXXX XXXX XXXX  in America can pay back {$110000.00}. I want to pay back my loan. That amount should be around {$36000.00}. Please fix this instead of trying to gouge me like a Payday Loan shark. Every day I go to work XXXX  and trying to make America better. Please dont garnish my wages for a fictitious amount of money that was boosted due to insane collection fees. I can barely pay my rent and other bills, including medical bills that resulted from XXXX. I was diagnosed with XXXX in XX/XX/2017 and have been recovering since then. Why wasnt I given the option to defer my student loan payments? I would like that courtesy now, and for the loan amount to accurately reflect what I initially borrowed to become a XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Bridgecrest twice about their reporting a late payment for a vehicle of mine that was totalled XXXX XXXX XXXX XXXX XXXX and covered by their XXXX policy. The vehicle was totalled in XXXX of XXXX and I notified Bridgecrest within a week about the vehicle 's status and to start the XXXX insurance claim. A late payment was reported to the three Credit Reporting Agencies for XX/XX/XXXX despite the fact they were informed the vehicle was totalled and would be paid for by XXXX insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has now reported to TransUnion and XXXX fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately.
Product: Checking or savings account

On XX/XX/23, I was instructed by Kohls to call Capital One about them transferring my Kohls card to a Capital One Kohls Visa card. The person on the phone said I did not have a credit card with Kohls, but they showed I had a checking and savings account. When I explained I didnt recall ever having accounts with Capital One I was transferred to customer service. Then the customer service person transferred me to the Customer Protection Center. The Customer Protection Center would not provide me any information on the account. They only told me it was closed and because I stated I didnt believe I authorized the account they were unable to share information on the account with me. How can I verify if I did or did not open the account without more information. Before I file an ID Theft affidavit I wanted to make sure this wasnt an account of a family member that I might have been a POD on. Capital One refused to provide me any information and told me I would need to file a police report. How can I file a police report if I dont know anything about the accounts that were opened in my name. It is my understanding that Capital One has to provide me records of fraudulent transactions if I request them. They refused