23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : 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 Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to be removed.
Product: Debt collection

I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX  repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.
Product: Debt collection

On XX/XX/XXXX I sent a Cease and Desist Letter to PHH-XXXX  XXXX  XXXX  time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The New Jersey Sheriff in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with GMAC Mortgage sold to Ocwen loan Services around XXXX or XXXX XXXX Sold to PHH Mortgage a of Ocwen XXXXPHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} XXXXAlso sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.
Product: Vehicle loan or lease

Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.
Product: Vehicle loan or lease

I was co-signer on a lease for a XXXX XXXX through American Honda Finance that ended in XX/XX/XXXX. 

The car was turned in on time and a new lease was entered into for a XXXX XXXX also through American Honda Finance at the same time on which I also co-signed. 

The mileage on the XXXX was in excess of the allowed mileage but because of the new lease the dealer said XXXX the charge would be forgiven, and there were other credits/allowances as well. 

American Honda Finance sent a statement for final charges that was due XX/XX/XXXX. That statement was incorrect as it did not reflect the mileage forgiveness or credits/allowances. 

I received a corrected statement on XX/XX/XXXX and called and paid the amount due that day. 

The statement had been mailed to my previous address even though I had done all the paper work for the new lease in XXXX using my correct current address, so the statement which was dated XX/XX/XXXX did not arrive in my mail until XX/XX/XXXX. 

American Honda Finance tells me they updated there system for the correct amount on XX/XX/XXXX, 4 days after the due date, and mailed that statement dated XX/XX/XXXX, 10 days after they updated the balance for the correct amount, but that I was still somehow responsible for paying it by the original due date of XX/XX/XXXX and because I did not pay until the corrected amount was sent to me on XX/XX/XXXX they reported me as past due and will not correct that reporting. 

That has resulted in a drop of approximately 60 points in my credit score and will impact interest rate on a home financing I am undertaking right now. 

I dont know how I can be accountable for paying a Bill by a date that the company acknowledged to me they did not have correct in their system until after the due date, an issue further exacerbated by the fact that they did not update the mailing address with the information I provided to them with the new lease application. 

The timing of payment being after the original due date of XX/XX/XXXX was all due to their delays in updating the final bill ( XX/XX/XXXX ) and getting it to me ( mailed XXXX to old address that Id updated on application in XXXX ).
Product: Student loan

On XX/XX/year>, I submitted a payment of {$5800.00} to pay loan # XXXX unsubsidized in full. On XX/XX/year>, I submitted a payment for {$7800.00} to pay loan # XXXX unsubsidized in full. On XX/XX/XXXX, the MOHELA server went down for platform maintenance. I was unable to access my account to verify payments had been applied for weeks. When I logged back in, the two payments had not been credited to my account despite the funds being pulled from my financial institution. Additionally, none of the loan amounts correlated with the previous loan number assignments and all interest rates were incorrect despite being issued at a fixed rate. I called MOHELA and it took multiple conversations for them to find and apply the payments. When the payments were applied, they were applied to the entire amount of the loan ( as a whole ), not the ones I specified when submitting the payments. All of the loan amounts had changed because the interest rates were incorrect. Over the course of XXXX months, I have had at least a half dozen conversations with MOHELA about the errors in my account. They have admitted ( and documented ) that the errors exist but have thus far failed to correct them. Each time we speak, they tell me to wait weeks before I will see the corrections made to my account. There are still no corrections on my account. I am unable to remit further payments because the loan amounts are incorrect, the interest rates are incorrect, and they have not appropriately applied my previous payments to the loans I intended to target.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok this is the more recent and most relevant explanation of my situation with indigo credit card/ Genesis card services. I Typically Indigo reports to the credit bureau on the XXXX of every month its been this way since I opened the card XX/XX/XXXX. In the past 23 months I've had one occasion where I was 30 or more days late there was an online payment issue the funds were never taken from my account until the following month I believeit was {$28.00} Indigo would not give me an ear. I hadn't had a late payment 12 months before nor after. the XX/XX/XXXX late payment was irregular and what I believe to be an error on Indigos part. Indigo continues to make negative remarks on my report affecting my score greatly. XX/XX/XXXX a remark was made and a change was added to my payment history bringing my score down XXXXpoints almost as retaliation for a dispute I made about incorrect reporting. Made XXXX. I paid my balance to {$0.00} I used my card on the XX/XX/XXXX and XX/XX/XXXX Indigo reported on XX/XX/XXXX instead of XX/XX/XXXX as per usual. Further more indigo keeps prompting me to enroll in overdraft protection which I declined. My XXXX statement shows {$0.00} balance yet a balance increase of {$320.00} was reported XX/XX/XXXX which lowered my score XXXX points. I called to file a dispute on XXXX. I questioned why my account was able to go over the limit although I wasn't enrolled in overdraft service as well as disputed indigo reporting later than usual. Indigo customers service explained they had no record of reporting on XX/XX/XXXX and that an investigation would begin. I proceeded to make a payment of {$230.00} on XXXX to bring my account current during the investigation. Inigo reported once again XXXX of a balance decrease of {$230.00} with a {$95.00} Balance showing which is still incorrect because non of my transactions made after XX/XX/XXXX should be reported until XX/XX/XXXX. I call costumer service again to inquire about the investigation and to question why indigo reported again showing my last payment made XXXX indigo reported to me the investigation was complete and that the amount was reported correctly and that indigo had no record of reporting on my account on XX/XX/XXXX nor XXXX that they could do nothing els to help me. Indigo reported on XX/XX/XXXX as previously scheduled showing a {$0.00} balance also adding a negative remark changing a payment history from 3yrs ago I don't understand. The continuous damage to my report is costing me time and money now that im in the process of buying my first home. Indigo 's irresponsible care of my account is most damaging to my financial future. Currently in the process of securing legal representation Pending this final attempt to resolve my current unfortunate situation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a settlement offer from synchrony bank/PayPal for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of PayPal credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 PayPal reported the account as an open charge off with a balance of XXXX.
Product: Credit reporting

Trans Union has reported that they were able to verify a debt XXXX XXXX reported on my credit report. I have requested debt validation by mail and also by a request by the Consumer Financial Protection Bureau and have not received any response from XXXX, which violates my rights. How is it they repond to your company within 30 days and no one else. 

I would like Trans Union to explain in detail the information they received from XXXX to prove the debt they are verifying. How is it that they received documents and not me? How is it XXXX responds to them and not the federal government. Please give details of dates and departments that responded on behalf of XXXX to Trans Unions. There is also no phone number listed for the XXXX account. Please give me the phone number
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 to XX/XX/2024, my credit report began to show more inquiries that were not recognized. I believe this is a case of identity theft because my information was recently used to create other identity 's and attempt to open other accounts in using my social security number. 

I recently reached out to XXXX XXXX after I was not able to open a checking account due to XXXX XXXX having various other identities linked to my social security number. 

This is my second time having to complain and dispute inquiries that I do not recognize from my credit report. It seems as though someone was trying to open up some credit cards and buy a car with my information.
Product: Vehicle loan or lease

Gm Financial illegally took my car while I was in it. Gm Financial also charged me usury interest rates on my loan. During a look into their financial records I found that they sell their debt to pass through companies that run it around the country into various state before being sold to major banks and the sold as cdos to private investors. When the debt is in the hands of a private citizen is it not subject to usury?
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX  reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.
Product: Bank account or service

I opened a chq.acct. with bank of America on XXXX. I received a cashier 's cheque for {$4800.00}, from an on line company for a job as a " XXXX XXXX '', which I deposited into my acct. through the ATM process, on XXXX. I received a receipt .On XXXX I recieved evening mail from Bank or America ( detailed copies of same will be furnished as requested ) explaining that a '' Hold '' was placed on my cheque because paying bank information indicates item may be returned.Consequently I received two other pieces of mail with deposit and other additionsiwas confused .The following a.m. 
I went to the Bank, I was informed by a Cust.Svc.Rep. that they believe that the cheque is fraudulent and I would have to wait until XXXX for the cheque to clear or be deemed fraudulent, although he already told me that the cheque is not good.I explained that my Direct Deposit ( SSI ) would be coming on XXXX.He then told me that most likely the Bank would close my acct.I asked why. His reply was because of a fraudulent cheque. On XXXX I received mail from Bank of America that they made a decision to close my account I went to the bank. On XXXX, I went to the bank to pick up my SSI cheque.Due to the acct. closure I would have to go directly to the teller for my money.Shetold me my acct. is closed and I must speak with the said Cust. Svc. Rep .I am unable to pay my rent, I have nofood to eat and no money.I went to my Congresswoman for help and was guided to take this step.I do have all receipts and documents, and names so I 'll be brief as possible. Thanking You in Advance. 

rent is due, and because of my XXXX, there are certain things " I must buy.I was told by the teller to see the Cust.Svc.Rep who informed me that my acct. is closed and I would be unable to get any monies until they have I do haveAll necessary documents, names and receipts but my copier is not connected for no money for ink.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrectly. 

Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX the XXXX XXXX 2007 which was financed with State Farm Bank, was involved in an auto accident in which the vehicle was totaled. A final payment in XXXX was required in which is was paid timely. the total of the loan was then paid off through insurance with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( the other party at fault, company ). State Farm Bank is continuing to report that I was 30 days late on payments for XXXX and XXXX of XXXX. This is inaccurate as the vehicle was totaled out and loan was paid off in XXXX XXXX they are refusing to remove from credit report.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX vehicle XXXX XXXX. They called and called more than 7 times in one day and continued calling me the rest of the week I had already called told them I switched jobs and the day I would pay. So I hired a lawyer and showed all my proof. Now this account with them is in litigation. They are not suppose to be reporting on my credit or nothing until this court matter is over. Which they have been doing the whole time. They broke the law more than once. Harassing me from phone calls to text to emails. Which i provided to the lawyer and my lawyer has sent over the lawsuit.
Product: Mortgage

Two years ago, USAA paid property tax from my escrow account for the incorrect property. This year, they were contacted in XXXX that I would be cancelling the homeowners insurance they had for me ( coincidentally they were who we used ) and they said no problem. I established new homeowners insurance in early XXXX and the declaration page and all was sent and communicated to USAA. I cancelled with USAA as I had already started my new homeowners insurance. USAA still renewed the insurance policy despite it being cancelled and alerted know XXXX. 

Their negligence and mismanagement of my money is unacceptable. I feel they need to compensate me for this after this has become a pattern. I am exploring refinancing options with another lender as I have no confidence in them as a lender. It is a shame as a member of 14 years. I am cancelling and trying to cut off ties as they are not a dependable company as can be seen in the lawsuits and litigations going against the company in recent months.
Product: Credit reporting or other personal consumer reports

I have mailed and uploaded numerous documents to Experian to support my claims, including proof of my legal name, correct address, and accurate account balances. Despite these efforts, the incorrect information and collections remains on my credit report.
Product: Student loan

Mohela switched platforms a few months ago and after the shift it shows that my first payment was sent on XX/XX/XXXX, however my first payment was on XX/XX/XXXX. I have tried calling and was on hold for an hour and wasn't able to be connected to a person.
Product: Vehicle loan or lease

A loan was taken for payment of approx XXXX a month. Since the loan was taken on the car the company has continuously claimed we owe more and more each time. Even when a payment is made for a month they still tell us we owe more money within weeks and sometimes even days. The company adds a daily interest rate to payments not agreed on the contract and has used threats of repossesijg the car without following the state laws in which to do so. We have never been late however in XXXX we were told our car had repossession orders already on it even though no papers had been served or sent and that to get out of that repossession I would have to pay another month 's payment and that then another payment eould be due within 24 hours to stop the repossession from happening. I paid almost XXXX $ in 2 days and then was told another payment would be due within 2 weeks or it would go back into repossession. Even after over XXXX in payments in 3 weeks the repo company still contacted me and stated they were coming for my car. I just paid a full month 's on time payment Wednesday and was told again I would owe another month 's payment in 13 days. When I asked how they believe they r following the states statute for repossession they claimed they own the title therefore own the car and can do what they want. The amount owed on the loan now is so high that I can't even sell, trade or use my car to get our from under the car and at this rate I will be forced to bankrupcy or homelessness if this form of collections doesn't stop.
Product: Credit card

Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent.