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

I am writing to formally address ongoing errors and unresolved concerns regarding my consumer report managed by Experian. These issues have caused significant inconvenience and have yet to be resolved despite my efforts to seek clarification and corrections. 

Unverified Information : The information reported on my consumer report, particularly regarding [ specific item or account details if known ], remains inaccurate and unverified. No written explanation or documentation has been provided by Experian to justify the inclusion of this information. 
Failure to Obtain Consent : I have identified instances where inquiries and reporting activities were conducted without my explicit written or verbal consent. This raises serious concerns about the compliance of these actions with legal and regulatory standards. 
Lingering Inaccuracies : Despite previous attempts to dispute these inaccuracies, the errors continue to affect my consumer report and, consequently, my financial reputation. I have yet to receive confirmation of investigations or any written correspondence outlining the status of these disputes. 
Given these concerns, I request the following actions : Immediate investigation into the inaccuracies on my consumer report. 
Written explanations for all items in question, including evidence of verification processes. 
Removal of all unverified or unauthorized entries. 
Confirmation that Experian has taken corrective measures to prevent such occurrences in the future. 
Please treat this matter with urgency, as these issues are adversely impacting my ability to access financial services. I expect a written response within 30 days as mandated by federal law. 

Thank you for addressing this matter promptly. I look forward to your swift resolution and detailed response. 

without prejudices by XXXX XXXX on Behalf of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit reports I notied that my SOCIAL SECURITY NUMBER is listed incorrectly on my EQUIFAX credit report. I called to today to try to correct the inaccurate information and was told that I need to file a complaint.
Product: Mortgage

On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$270000.00}. The loan was evidenced by a Security Deed, naming XXXX as the " Lender, '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, after it was alleged that I had defaulted on my loan Account, was assigned to Deutsch Bank Trust Company Americas. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Deutsch Bank. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Deutsch Bank 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Deutsch Bank a Qualified Written Requests ( QWRs ) requesting that Deutsch Bank provide, inter alia, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Deutsch Bank, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Deutsch Bank to produce a verified accounting in compliance with RESPA 2605 ( e ).
Product: Mortgage

I refinanced my home mortgage with the company called Loandepot in XX/XX/XXXX and included Taxes and Homeowners insurance in Escrow. In the last week of XX/XX/XXXX, I logged in to my online account and found that no Insurance payment has been made from my escrow. My Homeowner 's insurance expired in XX/XX/XXXX because of that. I followed up with loandepot and was told that My Insurance  broker company never shared new bills with them and they have put me on forced insurance. I made them available with these new bills. A lot of back and forth happened with no results. I contacted XXXX XXXX myself and they told me that since the policy has expired they have to write a new policy. Still loandepot was telling me that they are communicating with XXXX XXXX regarding the policy renewal. I gave up hope on loandepot resolving anything. Already 3 months had passed without Homeowners insurance, so I bought a policy myself on XX/XX/XXXX and updated loandepot about it on XX/XX/XXXX. They screwed up again and XX/XX/XXXX I noticed on my online account that a payment of {$730.00} has been paid from my escrow to the insurance. I contacted loandepot again and they have no idea that they have made a payment to the insurance policy that was expired in XX/XX/XXXX. I haven't got any resolution from them yet. Every time I call, they put me on hold for hours. Please help me resolve this matter.
Product: Credit card

I was online browsing for an airline ticket, suddenly XXXX XXXX offered me a good fare, I was about to purchased it and a window pooped offering me {$200.00} my first statement and XXXX XXXX bonus if I applied for the card, I did, I was approved and they never supplied me with the card to pay for the ticket, so they tricked me to accept the card, check my credit and etc for nothing, Fell like I was scammed.
Product: Credit card or prepaid card

Applied for the credit card in early XXXX and did not receive the card for several weeks. The card was reissued and never received. I called for another replacement and was told it could not be expedited or sent with tracking. A XXXX card was issued on XX/XX/XXXX. As of XX/XX/XXXX, Avant can not confirm if a card has been issued or mailed.
Product: Debt collection

This company claims that I have a balance of {$240.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureau ( XXXX  ) asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the debt was verified as accurate. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows charter communications as the original creditor but I never had an account or a contract with them. I want this debt validated and I also want the original contract with my signature on it sent to me by XXXX mail, if there is an agreement to pay between me and this company I also want to see the original document. This account has also been re aged which is also a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Eastern Account Systems continues to report XXXX XXXX on my credit report file. I have filed FTC Report for identity theft. 

This company ignores all communications. I even responded back stating this account wasnt mine and they still reported on my credit report. 

Please remove from my credit report. I have attached a FTC report. 

I was instructed to complete FTC Report and it would be removed from my credit report. 

This company has lied several times regarding the process.
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company that Ive never ever heard of called Radius Global is constantly and repeatedly calling me at all hours of the day and night as early as XXXX and as late as pass XXXX harassing me Ive never done any type of business or work for this company the calls are ridiculous its 5 at a time back to back for the last few days I WANT IT TO STOP
Product: Credit reporting or other personal consumer reports

I called each company on XX/XX/year>. 
Neither of them were able to find anything on file concerning running a credit report on me. They told me to call the credit bureau and the credit bureau would remove the inquiry. When I called the credit bureau, they told me to call the company and have them contact the credit bureau. The companies told me that they dont have any information to send to the Credit bureau and that they can not help remove the inquiry. And as you can see, all the attachments, XXXX XXXX ran A credit report XXXX day and then the next day they ran another one.
Product: Prepaid card

On XXXX i sold computer to someone from XXXX XXXX. he ask to use venmo i said ok. i have used venmo many times for much larger transactions. 

I saw transaction come thru so he left, 5 mins later i see there is hold for the {$200.00}. I immediately called venmo, i needed my money right away The proceeded to tell me they need to hold my money until XXXX, i ask why would you hold my money- the guy has my laptop and is gone. They said sorry This is not posted anywhere and has never happen before to me. now i am stuck waiting for my money with no reasoning behind it other than we do some with some transactions. I said this is unacceptable and ask to please release my money. i need to pay bill Now i am reaching out to you for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :
Product: Credit card

I contacted BB & T to dispute a charge on my credit card dated XXXX in the amount of {$160.00}. Claim XXXX. Several weeks later, I noticed they issued a credit but than charged the card the same amount again. I contacted BB & T again on XXXX and was told that is just they way there system is ; I was assured they were still investigating, and the matter would be resolved. On XXXX, I called again and was told again, they were still investigating. I pointed out that it had been almost 3 months. I was assured that they would have final resolution by XXXX. The erroneous charges still appeared on my statement; on XXXX, I contacted them and spoke to a supervisor who stated all she could do was submit a request to escalate the matter and indicated I should hear something back in several days. I followed up on XXXX and was again told it was still being investigated. 

Each time I called to a ridiculous amount of time and effort to reach someone. I was transferred and disconnected numerous times. BB & T never initiated contact to update me on the matter. Even the supervisor was unable to provide anything more than request that the department investigating the matter address the matter - no response. As of the filing of this complaint, XXXX, almost 4 months later, BB & T has failed to address this matter or tell me what is happening with the dispute.
Product: Credit reporting

Someone 's been using my information. Someone else 's SSN is appearing on my Experian report. An address in California, and people 's names I do n't even know. I had to verify my identity with XXXX several times and they were asking me about people I 've lived with and I do n't know those people nor have I ever lived with them. The only thing we had in common was our last name. I have a {$290.00} bill that is not mine.
Product: Mortgage

I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit monitoring service has notified me that there was a credit inquiry on my Experian Credit Report dated XXXX/XXXX/2020. It was from the US Small Business Administration ODA. I have not applied for any loans or credit through the SBA and am concerned that this may be fraudulent activity involving my identity. I have been in contact with Experian and they have a fraud alert in place. I have also filed a report with the SBA-ODA division. 
Thanks for your help in this matter.
Product: Vehicle loan or lease

Exeter Finance Corp . Gave me a loan for a XXXX  XXXX XXXX about the end of XXXX. They applied my first 2 payments ( checks ) to my account that are being paid by a payment management company ( XXXX XXXX  ). My 3rd payment, they cashed the check and did not apply the money to my account. I had my payment company provide them there proof of payment as they requested. They cashed the check for my 4th payment and did not apply it to my account again. This being the second time ( 2 months in a row ), I had my payment management company send them the documentation again and requested they refund me the extra interest fees that got charged to the account since they allowed interest to accrue to my account 2 months in a row with and the lender actually had the money. The lender told me there is nothing they can do to refund me the extra interest charges because it posted late to the account and told me they were doing me a favor not charging me late fees. My payment company and the lender setup electronic payments for future payments. The lender has now failed to apply my 5th payment even though it was electronic. I filed multiple complaints through the lender. I was told a supervisor would call me each time and no one attempted to call me. I had to call them back. One supervisor told me he would look into the problem and put a reminder on his calendar to call me back. He never did. Exeter is now forcing me to prove to them again that they have been paid. My understanding is this is a predatory lending practice to attempt to take advantage of consumers that do not know any better or will just give in to the lenders requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE CLAIM- THIS IS NOT A DUPLICATE CLAIM -THIS IS NOT A DUPLICATE CLAIM- THIS IS NOT A DUPLICATE CLAIM THIS IS A -UPDATE- TO CLAIM # XXXX ( PLEASE OPEN CLAIM # XXXX AGAIN EXPERIAN has violated me willingly in multiple ways under the guidelines of the F.C.R.A and is legally liable for damages and remedy. I demanded they settle with me by XX/XX/XXXX and they willingly DID NOT. This is my SECOND NOTICE to try and settle the matter in good faith demanding EXPERIAN to settle in good faith by XX/XX/XXXX. EXPERIAN has ignored me and has ignored the FCRA and has not settled for the amount demanded. I have lost confidence in the banking system due to the multiple violations upon I the consumer and original creditor and lack of care to settle by EXPERIAN. I desire legal action with EXPERIAN in order to settle for the federal violations.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 
1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has allowed a breach of hard inquiries from XXXX XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I informed transunion that I did not authorize these hard inquiries and I want them removed. Transunion told me to contact the ftc and submit a report. FTC transferred me to consumer finance and I am now requesting the through the consumer finance that said hard inquiries be removed.
Product: Credit reporting or other personal consumer reports

There several collection account reporting on my credit report thats not mine
Product: Credit reporting or other personal consumer reports

TRANSUNION should only have one address, my current address as my right to privacy no one should be privy to my residential history without my consent and authorization. 

My current address is the only address that should be reporting as the only address I can receive legal notices and mail from the credit reporting agencies : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters ON XX/XX/2022 to all three credit bureaus to validate accounts which I had no knowledge of and they failed to provide this validation under 15 U.S.C. Sec.1681i ( a ). I then followed up with two more written letters to comply with the investigation which they failed to do
Product: Debt collection

The date reported was XX/XX/XXXX by a credit collection service. The original creditor XXXX XXXX XXXXXXXX XXXX XXXX which was opened on XX/XX/XXXX. The total amount that they are trying to collect is {$850.00} which I do not owe. I never signed any documents. I havent been sent any documents verifying that the debt belongs to me. I was only sent a collection notice from the credit collection company about paying money I do not owe to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/XXXX, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/XXXX ; however, XXXX is refusing to remove the delinquent status from my credit report.
Product: Debt collection

My information was exposed in a data breach I don't owe these people anything nor have I contracted with them please direct them to cease and desist and stop contacting me. I don't give them permission to share my personal identifiable information with any third parties.
Product: Credit card

My credit card has been approved, but I still don't have online access, and Ive been told to wait. Ive contacted Capital One multiple times, and each time, they tell me to waitfirst four days, then an additional XXXX hours. Its been frustrating, and no one has been able to provide any real assistance. 

Im eager to get this account and credit card fully set up, but I havent been able to make progress. Every time I reach out, Im told to continue waiting, but Im hoping someone will finally be able to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my Equifax on XX/XX/2019. I disputed with Equifax XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to XXXX to request a hard copy of my report to Equifax XXXX or XXXX never did that since XXXX also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the 600 to low 500. XXXX has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do XXXX took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope XXXX may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.
Product: Credit card

JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, Today, I have tried to check my transaction between XX/XX/XXXX to XXXX of 2024. I happened to find out that your company charged twice same transactions ; therefore, the total amount of two days, which was {$75.00}, was charged twice. And the current balance indicated {$190.00}. Since I had paid off total amount of due about {$380.00}, I should not have the charge more than {$99.00} after XX/XX/XXXX of 2024. Later, when I checked again, the charge became only once ; however, the current balance had not changed at all ; therefore, I was charged same amount twice. After the recalculation of total amount after XX/XX/XXXX of 2024, I realized there was some discrepancy of total amount about {$19.00}. Anyway, since this transaction record was suspicious, I wanted to report this matter to your company through your company website ; however, it was impossible because there was no function of that. I even wanted to close/stop this credit card immediately ; however, there was no function to stop the credit card on your company website. Because I believe it is important to have the function to replace the credit card, which have had trouble of transaction, whatever the reason is, I beseech your company to make sure all credit cards issued by your company have the function to avoid the XXXX and XXXX transactions, because I already closed and replaced your credit cards already. And I feel safe by your admirable service. 

Sincerely,