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

Freedom Mortgage incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan # XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted Freedom Mortgage beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from Freedom Mortgage dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned Freedom Mortgage again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with XXXX to have this item corrected. The other two bureaus ( XXXX  and XXXX  ) do not show this incorrectly.

On XX/XX/XXXX, I called XXXX  ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by Freedom Mortgage on XX/XX/XXXX a
s claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between XXXX and Freedom Mortgage and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. XXXX XXXX was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - TransUnion and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with XXXX XXXX regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue XXXX XXXX and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how XXXX XXXX was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX  is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. XXXX and Oportun progreso. They need ti be updates.
Product: Debt collection

In XX/XX/2021, I contacted the residential leasing office for the property I was renting from at the time, XXXX XXXX. I provided a 30-day notice stating that I would have to break my lease early and relocate due to a change in my spouse 's military orders. The property manager insisted that because my husband received his orders before we signed the lease, I would need to pay fees in the amount of three month 's rent or {$3200.00}. However, according to the Servicemembers Civil Relief Act, it is illegal to penalize a tenant for breaking a residential lease due to a XXXX or XXXX  move regardless of when they signed the lease agreement. Despite being illegal the property manager still proceeded to report my balance to the National Credit Systems collection agency and refused to communicate with me regarding this matter. Due to the circumstances, I am seeking to officially have this collection removed from my report as it should have never been reported in the first place.
Product: Checking or savings account

Late in the business day/early evening on XX/XX/2023, I returned an item to XXXX XXXX at the XXXX XXXX in XXXX, Indiana. The matter posted on my account on that date. The amount of the return was {$83.00}. However, the next morning I discovered that XXXX XXXX mistakenly had charged me {$83.00} instead of crediting my account for that amount. I called XXXX XXXX as soon as it opened and an assistant, WHO REMEMBERED ME AND THE RETURN FROM THE NIGHT BEFORE, but whom was not the person that had conducted the transaction the night before, tried to fix the matter but was unable. I by that time was hundreds of miles away also. She said her manager would call me later that day. That never occurred. Regardless, I went into a Key Bank branch on XX/XX/2023, to contest the mistaken charge. The teller who helped me said absolutely nothing about me providing any further documentation. Still, my dispute of the mistaken charge was officially initiated by Key Bank and a provisional credit was credited to my account for {$160.00}, which represented both the amount of the mistaken charge and the amount I should have been credited for the return, in other words twice the amount of {$83.00}. Key Bank 's system automatically did this doubling right in front of me. Clearly, this situation involving mistaken charges that were supposed to be returns is something Key Bank deals with regularly. The provisional credit from Key Bank posted on XX/XX/2023. Over three months later, on XX/XX/2023, I noticed that Key bank had reversed the provisional credit on XX/XX/2023, also over three months after the provisional credit had posted on XX/XX/2023, and now, furthermore, my account was overdrawn. Key Bank apparently also had sent a letter to this effect dated XX/XX/2023, that I had not received yet. The substantive contents of the letter were relayed to me when I called Key Bank on XX/XX/2023, after discovering what had occurred. Among other things, the letter stated, over three months after the fact, that I was expected to provide further evidence or documentation if I wished to reinstate my challenge to the mistaken charge. It is unclear what, if any, substantive effort Key Bank put in on this matter, but my guess is that, as I was told on the day I filed the dispute that " it could take up to three months, '' that with the three month window closing on Key Bank it simply decided to throw the matter back to me without having done anything of substance to really investigate the mistaken charge-at-issue. When I contacted Key Bank on XX/XX/2023, to discuss the matter Key Bank neither reversed the reversal of my provisional credit nor was able to explain in any detail what it ever had done in this matter, also now leaving my account still overdrawn. However, it assigned my call an " Escalation '' reference of XXXX. 
The onus is not on me to prove this matter, especially three months after the fact, and, furthermore, Key Bank has more than enough information to have corroborated that the charge was mistaken. In fact, also, XXXX XXXX now has even had possession for over three months of the property I returned.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with One Main Financial on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but One Main Financial took cash. One Main Financial willfully and knowingly failed to Provide/Disclose information required under the provision of 15 use 1601. One Main Financial sent me a letter on XX/XX/XXXX stating the balance due on this alleged debt is {$3700.00} but one main financial is reporting on my consumer report as the account balance being {$3000.00} for the month of XX/XX/XXXX as you can see in the attached exhibits witch is a violation pursuant to 15 usc 1681 ( a ) inaccurate reporting on my consumer report. One Main Financial also Disclosed my nonpublic information with a nonaffiliated third party ( XXXX XXXX XXXX ) witch is a violation under 15 usc 6802
Product: Credit reporting or other personal consumer reports

When I was a XXXX  at the XXXX XXXX XXXX, my identity was stolen and credit cards were made without my knowledge. On my credit report it shows the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, which I have never lived in. With my stolen identity, they maxed out XXXX credit cards and never paid any of the balance. One was a Saks Fifth Avenue card and the other was a Capital One Walmart Rewards card with a limit of XXXX XXXX The card was mailed to the XXXX XXXX address and they used the card on XX/XX/2022 as I was told by Capital One 's fraud department. I sent them proof of my work schedule and me at work in a restaurant in XXXX XXXX, XXXX  with time stamp, date stamp and XXXX location stamp. I physically wasn't present in the Walmart located in XXXX XXXX and Capital One did their investigations for the past 2 years are still deeming it not fraud and that it is my responsibility. Due to this, my credit score has dropped from XXXX 's to a low of XXXX and was on the rise to XXXX when Capital One decided to send it to collections and dropped again to XXXX. The card had months of delinquent payments as I was unaware of its existence. Capital One refuses to sent me a copy of my application for the credit card and the monthly statements. When I had first called, they had a different email and telephone number on file. I tried to remove this address from my credit file from XXXX and Capital One is deeming it my fault and therefore won't let me remove this address from my credit file which Capital One did their investigations that show I made the card online from that address I never lived in. I am stuck in a circle that Capital One has made as I filed for fraud so many times and their investigations show through the credit bureaus this address in which the cards were made and I can't remove the address from my credit report from these bureaus. I had lost my wallet many years and I was randomly called one day by XXXX XXXX police that they had pulled over a driver who was carrying around my Driver 's Permit. The amount was XXXX $ and due to late fees and interest, it has ballooned to over XXXX XXXX The card was made XXXX of XXXX  and was used XX/XX/2022 and it was used with a physical card at a Walmart in XXXX XXXX when I was working at a restaurant all day that day in XXXX XXXX, XXXX. I will be attaching proof of time stamped, date stamped and XXXX  stamped photos that I was in XXXX XXXX the entirety of my cards being made and used in XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise concerns regarding several issues I have encountered with my credit report. These include : XXXX. Incorrect account listings XXXX. Multiple unauthorized credit inquiries XXXX. Inaccurate credit reporting XXXX. Discrepancies in billing XXXX. Inconsistent date payments
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was surprised to find incorrect accounts listed, and I dont understand why. I regularly check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but the errors didnt disappear. Because of this, I am requesting a detailed examination of the documents Ive provided so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Update of Personal Information Dear Sir/Madam, I have recently moved and changed my phone number. I am writing to request an update to my personal information on my credit report. Please find below my updated details : 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 Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Copy of XXXX Card, Paystub, XXXX  XXXX, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, 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
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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
Product: Credit reporting or other personal consumer reports

My name & credit was being used, I was a victim of fraud last year. I was able to remove those hard inquiries that I didn't authorize. I have none on XXXX  but equifax XXXX XXXX XXXX have yet to remove them. These are they, 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
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Last Four of Social Security number : XXXX XXXX : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX XXXX XXXX XXXX and Experian 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 consist of collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report. I've attached a list of collections and charge offs in question. I do not recognize the aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge-offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reinvestigation, this XXXX XXXX  # XXXX **** was opened XX/XX/XXXX, and Closed on XX/XX/XXXX Pay Status Charged Off. As of XXXX Report dated XX/XX/XXXX. As of XX/XX/XXXX, This account has been reopened as an active account on my credit report with late payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX # XXXX - DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX. XXXX, XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. 

I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. 

Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. 

But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. 

As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. 

I have a letter which documents everything, along with everyone I 've spoken with and every date. 

I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. 

I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAU is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX IN XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}