23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and had fraudulent accounts on my credit ..please remove these accounts from my report, they hurting my ability to obtaincreditthank yo
Product: Credit reporting or other personal consumer reports

Hi XXXX  Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.
Product: Consumer Loan

My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.
Product: Credit reporting

I sent another letter to TransUnion to have my credit report corrected. The letter is attached and dated XXXX XXXX, 2016. My credit report is still show inaccurate information. See attached documentation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

We secured XXXX student loans from Wells Fargo for our daughter for college school years XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. After graduation she attended law school so the loans were deferred for three years. During this time I received no information from Wells Fargo. In XX/XX/XXXX we were informed that the loan repayment was late. However we never received any information prior to the due date that we needed to pay. We did receive written correspondence after it was due. We paid the loan off {$19000.00}. It was late due to our bank holding some of the funds due to the amount. They then sent a bill for {$210.00} which we begrudgingly paid. We then received a bill for the second loan in XX/XX/XXXX with a due date XX/XX/XXXX. I mailed the check off on XX/XX/XXXX. However we received a notice on XX/XX/XXXX, that that payment was late and we now owed {$420.00}. It was not late they deposited the check on XX/XX/XXXX. My husband called them to find out what was going on and why we still owed them. She told him we were late and they needed payment. She advised him that if he sent in a check that we would then owe interest on the loan until the check was received. My husband asked so the interest never ends and the notice we received is always after the fact. She said we could never pay the interest off at that rate. We had to do an electronic transfer right then or be charged more interest. The finally told him the emails were sent to our daughter about the loans but NEVER to us. I told my daughter about this and she looked into her Wells Fargo account and it took her over an hour and digging into the XXXX to find a notice. They do n't want to notify you so that you can keep paying.
Product: Payday loan, title loan, personal loan, or advance loan

Credit fresh debited my account on the following dates : XX/XX/year> - {$65.00} XX/XX/year> - {$65.00} XX/XX/year> - {$100.00} XX/XX/year> - {$110.00} Credit Fresh 's truth of lending states that payments will be posted the day they receive the payment. 

This also applies to XXXX Payments : ( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 

Credit Fresh does not post the payment until the next billing cycle. In the mean time, Credit Fresh charges interest and fees on the old balance during that time. By the time Credit Fresh applies the payment, the balance is has gone up making it impossible to ever pay off the loan.
Product: Debt collection

Someone from the company continually calls and leaves messages on my work line since on or about XX/XX/ 2018. Has never contact me personally or through mail. I am not sure what the debt is concerning, but since no information has been sent to me to physically look at the phone calls are a nuisance and harassing.
Product: Credit reporting or other personal consumer reports

I paid off my balance with Affirm with funds from a cash out refinance. Payment was sent via Escrow. The check has been cashed by Affirm. 

They have told XXXX that it has been over 90 days late even though I sent Affirm and XXXX a copy of the voided check that shows it was cashed, balance paid off over 4 months ago. 

Despite XXXX investigation requests to Affirm and XXXX dispute investigations to XXXX, they both fraudulently say that my account is not paid off and late. They illegally threatened to charge of my account to collections despite not owing anything. 


This is adversely affected my credit to where I am being denied credit.
Product: Credit card or prepaid card

I have a target XXXX credit card. I depend on their website to inform me when a payment is due and how much. On XX/XX/2023 I received a notification from XXXX XXXX that a payment had been reported 30 days late to my credit report by Target XXXX. I found this shocking as the last time I checked their website it said my next payment was due on XX/XX/2023. I immediately checked their website again and the information there still stated that the amount due was XXXX XXXX  and was due on XX/XX/2023. Nowhere did it state that there was a late payment of any kind. 

I then called their customer service line and they refused to talk with me until I paid the amount due. Which I did happily and would have done sooner had I any inclination that I was late. After I paid they allowed me to speak with a customer service rep and began a dispute regarding the adverse information reported to my credit report. 

On XX/XX/XXXX I received a letter from Target dated XX/XX/XXXX stating that they investigated my concerns but would not remove the adverse information from my credit report. I then called the customer service line again and was hung up on. I then called again and the rep said my only recourse was to call the corporate office line and provided me with this phone number XXXX. This turned out not to be a corporate office line and actually just an information line about gift cards. 

I called the original customer service line again and was told there is nothing they can do and that their supervisors are not allowed to communicate with me. They left me with only one option of again entering a dispute into the system that had already failed to fix the issue. I have since looked over my payment history and realized they have charged me late payment fees multiple times despite never informing me of a late payment. 

I suspect this XXXX be an effort to intentionally mislead customers so they can make more money from late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$5200.00} XXXX XXXX Opened : XXXX. XXXX, 2017 Balance : {$4900.00} XXXX XXXX XXXX Opened : XXXX. XXXX 2017  XXXX : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$390.00}.
Product: Credit reporting or other personal consumer reports

Today I received updates about the disputes results regarding the account XXXX with Department of Education/ XXXX XXXX I have multiple paid accounts with the lender XXXX 's investigation concluded the account is schduled to remains on all credit profiles. 

Since the information from the accounts will remain Department of Ed/ XXXX needs to accurately report my detailed information. 

Department of Education isn't currently reporting my payment history, my credit length on my credited account, or account status. 

Today, a lender denied me based upon credit history length being inconsistantly reported being improperly reported, Please update my information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my XXXX, Equifax, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - XXXX
Product: Consumer Loan

Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.
Product: Vehicle loan or lease

I purchase a XXXX XXXX from Carmax in XX/XX/XXXX. The car was a lemon came from Florida, it was also purchased for 3000 plus dollars by a consumer name XXXX XXXX in XXXX. Also I found a complaint filed with Flordia OFFICE OF ATTOTNEY GENERAL on XX/XX/XXXX. Dealer name XXXX XXXX. This vehicle was sold to me on XX/XX/XXXX. I am a senior and fiked Chapter XXXX Bankruptcy on XX/XX/XXXX. Carmax is trying to collect on this vehicle and Exemptions was applied. The car is not being reported because they know they are crooks.I can't live in a lemon car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my wife contacted Freedom Mortgage about a flag that appears appeared to be a forbearance flag and spoke to a XXXX ( Employee ID XXXX ) and she stated that our account did not show a forbearance. My wife asked XXXX to get a letter stating that information along with a 12 month payment history. Unsatisfied with the conversation my wife called again on XX/XX/XXXX and spoke with a XXXX ( Employee ID XXXX ) and stated that the first worker, XXXX, did not include the proper request in their system notes. XXXX fixed the notes and my wife asked to speak to a supervisor. My wife spoke to a supervisor XXXX ( Employee ID XXXX ) where he stated that the flag was due to XXXX and an emergency flag was placed on our credit report. XXXX then stated that that a letter from Freedom Mortgage stating that we had never had a forbearance on our account and a 12 month payment history would be furnished by XX/XX/2020, but should be completed sooner to be email to my wife 's email address on file with Freedom Mortgage. On XX/XX/2020, I called and spoke to a XXXX ( Employee ID unknown ) and he stated that he was not sure why my wife did not received the email with the requested letter yet because it was completed on XX/XX/2020. My wife had checked all of her email folders, including spam, and no email was received. XXXX stated that he would expedite a resending of the letter with the 12 month payment history. While we were in conversation he stated that the letter was being sent, which was XXXX XXXX PDT. By XXXX XXXX PDT, we had not received the email yet so my wife called again. My wife spoke to a XXXX ( spelling unsure ) ( Employee ID XXXX ), where she said that the letter would be completed by XX/XX/2020. Unsatisfied with this answer, my wife requested a supervisor and spoke to a XXXX ( Employee ID XXXX ). XXXX, being very argumentative, stated that the letter would be completed the next day on XX/XX/XXXX. My wife inquired why we kept getting the run around and told her that we would just have wait. My wife asked to speak to XXXX XXXX manager or somebody in corporate. XXXX stated that we could not do that but we could mail correspondence to Freedom Mortgage 's corporate office in New Jersey, He gave her the mailing address. My wife continued to ask XXXX more questions where he hung up on her. We decided to wait and when on XX/XX/2020, we had not yet received our email we called Freedom Mortgage and spoke to XXXX ( Employee ID XXXX ) she said that she was unsure why the letter had not been sent but we would have to speak to the original supervisor XXXX and we could not speak to another supervisor. She then stated that XXXX was unavailable and he would have to call my wife back within 24 hours. I will attempt to contact Freedom Mortgage again but believe that it will be unfruitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I filed a dispute with Transunion regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from XXXX XXXX XXXX that does not provide social security numbers, and dates of births. XXXX stated that Transunion is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked XXXX  multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Transunion lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.
Product: Mortgage

ILLEGAL, WRONGFUL, TRUSTEE SALE NO. XXXX auctioned our home on XX/XX/2024, considering ; I, XXXX XXXX XXXX XXXX and The XXXX XXXX XXXX, was forced to file on XX/XX/2024 at XXXX my XXXX Bankruptcy case no. XXXX before XXXX before auction of our home BY ; Fay Servicing , LLC and their assignee 's, XXXX XXXX XXXX XXXX XXXX trustee of loan XXXX ) and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auction our home during my automatic stay proceedings up to current date. Violations of of all US Federal Laws. 

Furthermore, Fay Servicing, acknowledgement letter date XX/XX/2024 of our Loss Mitigation application is complete and in review within 30 days of acknowledgement up to XX/XX/2024. Fay Servicing and assignee 's mentioned above, order the Trustee Sale No. XXXX on XX/XX/2024 XXXX ( XXXX ) days into review on our application. Our home was Auction on XX/XX/2024. Violation ( XXXX ) of Fay Servicing and their assignee 's for Loss Mitigation " XXXX XXXX  '' { XXXX } foreclosure-trustee sale and Loss Mitigation both concurrent is ILLEGAL. Also considering, my XXXX XXXXXXXX US Bankruptcy proceedings, our home was still Auction and Fay Servicing and their assignee 's refuse to : { RESCINDED ) trustee sale of our home up to current date.
Product: Checking or savings account

Account closed with money in it, also kept contacting bank & other company about money coming out of my account without authorization & after subscriptions were canceled/closed. My credit history has been affected because of that as well. I now only have 1 Bank account with wells fargo, my business banking & savings were closed.
Product: Credit card or prepaid card

Today ( XX/XX/2018 ) I visited my nearest Bank of America branch to settle the fees on my already closed Business credit card account. The banker and I were transferred five different times to a customer service representative who were not able to waive the fees associated to the account, even though the account was closed more than two months ago. Back around XX/XX/XXXX, I confirmed with the customer service to ensure there were no balances remaining after I paid off my account. 

There should be no reason I am getting this billing statements, when I already confirmed with the customer service representative back in XX/XX/XXXX to completely close my account. I should be completely free from any liabilities, yet the customer service representatives have been unhelpful.