23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collector is H & R accounts On XX/XX/XXXX I paid the full amount of the account and I called and asked that it be disclosed however on XX/XX/2020 they report it to the credit bureau as a collection. 
When I called them they said it will be send to the credit bureau at the end of the month Five days after I paid the account in full they add it to my credit report is that legal. 

Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed against Experian. 

Experian generated me with results XX/XX/2023 report number XXXX for account XXXX XXXX XXXX . Experians results were REMAINS and that the company that reported the information has certified to experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

As I look over my updated report that was included with my results this account is reporting a INCOMPLETE Balance, Balance Updated and Recent Payment. The Payment History is also Inaccurate. In additon, there is NO NOTICE THAT THIS ACCOUNT HAS BEEN DISPUTED BY THE CONSUMER in the comments to support experians certified as accurate results. How is it possible for Experian to generate me with certified as accurate results from the company without communicating with the creditor? 

XX/XX/2023 I sent XXXX XXXX a direct letter to there mailing address on my consumer report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX tracking XXXX and XXXX received my letter on XX/XX/2023. I have not heard any response from there company yet. 

According to 605. 15 U.S.Code 1681c ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that includes the disputed information.

According to 623. 15 U.S.Code 1681s-2 ( a ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of any information furnished by any person XXXX consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

The certified as accurate results are in fact INACCURATE and INCOMPLETE and do NOT follow FCRA guideline requirements. Experian had two choice to either delete the item of information or modify the item of information. Experian simply could not modify the information instead they include a report that has incomplete data reporting and no notice that this account has been disputed by the consumer, therefore this item at question should have been deleted. I believe Experian is verifying information by going to other third party consumer reporting agencies instead of following proper procedures by going directly to the creditor for verification, becasue if the company did in fact certify information was accurate with experian then a notice would have been included by the creditor.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
Product: Mortgage

In XXXX of XXXX my Mortgage went up {$400.00}. On XX/XX/XXXX I inquired about why. Freedom mortgage tried to say that I had no insurance and they had to place GAP coverage which was {$3600.00}. My previous insurance was {$1600.00}. I tried to explain that EVEN with that, they increased my mortgage by almost {$5000.00} and none of that adds up. I also explained that I had the same insurance the entire time I have owned this home. Insurance that in the past they had paid when they purchased my loan back in XXXX. 

My new insurance, which I got XX/XX/XXXX, was roughly {$1000.00}, yet my mortgage is ( escrow ) is still up {$300.00} a month, so {$3600.00} a year. Even as of this morning they are claiming I have an escrow shortage. 

Last month, I finally got someone on the phone from Freedom who accidently admitted to me on a recorded line that they had received a cancellation notice from my insurance company, which contradicted everything they had been telling me the entire time of not having ANY proof or information that I had insurance on the house to begin with. When I called her out on that contradiction she tried to backtrack, but eventually slipped with the same information again. 

I filed a previous complaint with the CFPB about the credit reporting and in their response they admitted that on XX/XX/XXXX, shortly after they repurchased my mortgage, they tried to contact my insurance company a single time and did not get a response. No notices were sent to me by Freedom Mortgage regarding the GAP coverage, no phone calls, no emails, no messages on their website, nothing. 

As a homeowner, I did what I was required todo. I had insurance, they had the policy #, they had the company I had insurance through, they had a full month before the insurance expired, but somehow I still got penalized, charged, and in my view, defrauded. The worst part about this all though, ignoring even the credit hit because I had to take off autopay while trying to get Freedom Mortgage to acknowledge their mistake, is this is a common practice from Freedom Mortgage. Just looking at other complains online, through the XXXX, and any other forum, the same story happens over and over. 

Freedom Mortgage needs to be held accountable for their negligent, predatory tactics against homeowners.
Product: Credit reporting or other personal consumer reports

See attached documents. All sent certifed mail as well as an Affidavit with Notary as of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Deletion of Incorrect Items - Violation of the Fair Credit Reporting Act ( FCRA ) I XXXX XXXX am writing to formally dispute the reporting of inaccurate information on my credit report and demand the deletion of these erroneous items. Despite multiple attempts to correct these inaccuracies, Experian has failed to address the issues in compliance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require accurate reporting and investigation of disputed items. 
Experian has WILLFULLY, KNOWINGLY and DELIBERATELY furnished incorrect information on my report and has acknowledged the information is INCORRECT and TOLD ME THEY REFUSES to delete the account!! 

Background and Issue Description I have contacted XXXX on XXXX separate occasions to dispute the following account ( s ) due to an incorrect last payment date and repeated charge-off notations, which are not only inaccurate but also misleading. I have ask Experian to provided supporting documentation, including receipts of payment, that clearly demonstrate the actual dates and status of my account ( s ). Despite this, Experian has negligently continued to report this incorrect information, which is damaging my credit report and overall credit score. 

The FCRA requires Experian to conduct a reasonable investigation within 30 days of receiving a dispute. However, by failing to correct or remove these inaccuracies after multiple dispute submissions, Experian has violated its legal obligations under the FCRA. Therefore, I am formally demanding the deletion of the disputed items as a corrective action. 

Account Information Creditor Name : XXXX XXXX  Type of Error : Incorrect last payment date and repeated reporting of charge-off status FCRA Violations Under the Fair Credit Reporting Act : 1. Section 611 obligates credit reporting agencies to perform a reasonable investigation of disputed items and correct inaccuracies. 
2. Section 623 requires furnishers of information to ensure data reported is one hundred percent COMPLETE and one hundred percent ACCURATE!!!!! 


Experian repeated failure to accurately report the information on my credit report violates these sections, as I have provided sufficient evidence to verify the details of this account are INACCURATE AND INCOMPLETE. By ignoring these INACCURACIES Experian has also failed in its duty of care, resulting in an unjustifiable negative impact on my credit score. 

I Demand for Immediate Deletion I am requesting that Experian : Immediately delete the inaccurate items as outlined in this dispute. 
Provide a confirmation letter acknowledging the deletion of these items within 15 days of receiving this letter. 

Thank you for your prompt attention to this matter. I expect your immediate compliance with my request for deletion, as outlined above.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my husband XXXX and I received calls from caller identified as Bank of America with the verified BofA phone number. Caller said he was with BofA Fraud Department, our XXXX account had been hacked. Caller used name XXXX XXXX, a corporate officer listed on BofA website. Caller asked me to type in codes to verify account. The first code was XXXX, the second code was XXXX. The codes where actually amounts withdrawn from my BofA account of {$770.00} and {$1400.00}. I was swindled and induced to follow the caller 's directions. When I hung up and called BofA Claim/Fraud Department I was told there was nothing BofA could do. The people that I called multiple times in the Claim/Fraud department told me that BofA was aware that this scam was going on, that the person was using BofA identities and stated Claim/Fraud department could not help me get my money returned. 
I filed a complaint with Bof A. I dispued the transactions. I have received no response or help from BofA.
Product: Checking or savings account

I was hacked! XXXX XXXX opened in my name & money taken from my checking account w Chase, amounting to {$6400.00}. Money was transferred from my XXXX XXXX Account. Wen i found out about it, money was gone! XXXX found & scrubbed spyware from phone. Checking my XXXX XXXX XXXX account. Believe they hacked that too! Have paperwork chase sent me, so send me ur address & ill mail it to u
Product: Money transfer, virtual currency, or money service

I went into the branch first thing in the morning around XXXX XXXX to do XXXX wire transfers of {$250000.00} each to XXXX different money markets accounts. One was XXXX XXXX  and one was XXXX XXXX. I paid the fees of {$30.00} each I believe and made sure they were completed promptly. When I checked both Banks later in the day they claimed they had not received the wires hours after I did them. I went into the branch the next day and said why was my money not transferred promptly when it was done early in the morning. They said that they processed them as soon as possible while I was there but then it goes to their wire transfer department and they have no control over that. It turns out the wire transfer department at BMO didn't process my wire transfers which ended up with them not reaching the accounts early enough for me to earn interest on them that day ( although they had everything needed to process them easily that day in time for the receiving banks to credit he interest ). The net result was that I lost the interest on XXXX XXXX XXXXXXXX dollars at BMO that day and lost it at the other end on the other XXXX branches. I chose to do my wire transfers originally starting the week before at BMO because they gave me their word that they would process them and I would earn interest over the previous weekend which they also did not fulfill after promising me that they would. I believe this cost me probably about {$400.00} because of bmo 's delays with no reasons provided. To me this is fraudulent practices by bmo. Hanging on to the money but not crediting the customer interest and then not processing the wires so that they accrue interest on the other end is dishonest and seems illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have contacted your XXXX XXXX, XXXX, Experian regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX Owed : {$670.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I deposited my check of XXXX dollars on XX/XX/2023 and was notified via email on XX/XX/XXXX that a hold has been put on my account and that my fund will not be available until the XXXX. I have bills and that money should be available by Tuesday XXXX and they are telling me that they are putting hold on people 's accounts when they deposit a check due to fraudulent activity. I do not believe it to be fraudulent activity because I recently deposited a check and it was deposited immediately. I want my money and I intend to sue chase if my funds are not released immediately.
Product: Debt collection

I was a XXXX user who switched to XXXX earlier XXXX XXXX. 

In XXXX, a collection was added to my XXXX score, dragged it down drastically. Details of the collection suggest XXXX  was the original collector and they gave it to a place called " DIVERSIFIED ADJUSTME '' I was never notified of any remaining balance by anyone via any channel : Not XXXX, not this " Diversified Adjustme '' ; not via email or postal services, not even a phone call or text. 

My credit score was ambushed by this collection. 

I have never received any notification about this over 8 months. They should legally communicate any collection and not to ambush people 's credit scores.
Product: Vehicle loan or lease

I went in to get oil change on previous car and was approached by sales person while waiting for car to be completed. As he began talking I told him I wasnt interested in a new car. Im almost through paying off car I have. He was very persistent and finally brought over his boss. He began to tell me that my warranty had ended and how much trouble it would be to keep up maintenance. That they would pay for my visit there, I wouldnt have to make a payment for 6 months and how I was over charged for previous car. They showed me cars and as I continued to listen I trusted them. They asked to run my credit which I let them. They asked me if I got another car now I would like it to be. Lower payments and less years. They only told me price range but never told me about the loan or the price of car. When it was time to close I still wasnt given price of either. I received letters from companies that decline offers sent and thats how I found out price. I went back to dealership and told him that He didnt tell me price of car or loan amount, had I known I would not have signed paper and I trusted him. The only thing he said was he was sorry. I told him that I believe they took advantage of me and I trusted him. I have my grandchildren to take care of now stress about this payment.
Product: Credit reporting or other personal consumer reports

I sent in letters to dispute accounts that were inaccurate on my credit report. The disputes were not investigated correctly, and they did nothing to fix it. The broke the following laws 15 USC 1681i ( a ) ( 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) 15 USC 1681i ( a ) ( 5 ) ( B ) they refuse to remove the accounts
Product: Debt collection

Caine and Weiner are reporting a debt from Progressive Insurance to the credit bureaus.. I've NEVER had Progressive insurance. Remove this immediately or I'll seek damages bureaus you are responsible for what you report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND 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 AND XXXX 

Account Name : XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The XXXX XXXX XXXXy helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For 1 1/2 years, we made payments to the XXXX XXXX XXXX and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even XXXX, XXXX, and Trans Union. One of the companies that we have struggled with is XXXX 's. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to XXXX, TransUnion, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but XXXX late marks on our credit? On XX/XX/XXXX, we sent another letter to XXXX 's again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXX 's or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXX 's and all three agencies. At this time we requested that XXXX 's send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXX 's requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, XXXX and Trans Union we were once again told the found the information to be accurate. We don't understand how this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

My spouse and I opened a credit card [ ELAN Financial ] in XX/XX/XXXX,  then we went through a divorce inXX/XX/XXXXand the judge divided our debts. This credit card debt was given to my ex spouse, but she neglected to pay it. However, I did not receive any communication from the credit card company or debt collectors as it was under my ex 's name. 

After I saw that this debt was affecting my credit in XX/XX/XXXX, I have repeatedly tried to contact the collection agency [ ELAN XXXX XXXX, XXXX ] but they refuse to discuss the issue with me as I don't have two pieces of identification. They have my name and my SS number, but that is not enough to them to even discuss it with me. My ex lives in XXXX. She says she has contacted the agency and requested that my name be taken off the debt, but nothing has changed. 

This account was closed in XX/XX/XXXX ( I believe ) but the debt keeps showing on my credit reports and affecting my credit very poorly.