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

I am writing to file a formal complaint against Experian regarding their refusal to acknowledge and address my dispute regarding an address that does not belong to me. Despite providing all the necessary supporting documentation, Experian has failed to rectify the issue and continues to report the incorrect address, which is adversely affecting my credit profile. 

I first became aware of this discrepancy when I reviewed my credit report XXXX XXXX XXXX. To my surprise, Experian included an address that I have never resided at, which is as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To clarify, I have never lived at the address mentioned above, nor have I ever conducted any business or had any associations with that location. I have taken immediate action to dispute this incorrect information with Experian, providing them with multiple sets of supporting documentation clearly demonstrating that this address is not linked to me in any way. These documents include : Proof of Residence : I have attached copies of my lease agreements, utility bills, and official government correspondence which confirm my actual residence at [ Your Correct Address ]. 

Photo Identification : I have provided a copy of my driver 's license, clearly displaying my correct address. 

Employment Records : I have attached employment records from my current employer, demonstrating my place of employment and confirming that I have never worked or resided at the aforementioned address.

Despite my best efforts to provide comprehensive evidence, Experian has repeatedly requested documentation that I have already submitted multiple times. This has resulted in a prolonged dispute process and has caused significant frustration and inconvenience for me.

I firmly believe that the continued inclusion of this incorrect address in my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). Experian has an obligation to ensure the accuracy of the information it reports and to promptly investigate and correct any disputed items. By disregarding my dispute and failing to take appropriate action, Experian is not only damaging my creditworthiness but also violating my consumer rights.

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure Experian 's compliance with the FCRA. I urge you to hold Experian accountable for their refusal to address my dispute and their failure to recognize the supporting documentation I have provided.

Enclosed with this complaint, you will find copies of all relevant correspondence, supporting documentation, and Experian 's response letters. I trust that this information will aid in your investigation.

I would like to be kept informed of any progress or developments regarding this complaint. Please do not hesitate to contact me via the provided email address or phone number should you require any further information or clarification.

Thank you for your attention to this matter. I look forward to a swift resolution and a fair outcome.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$780.00} XXXX XXXX Balance : {$3900.00}
Product: Debt collection

I took out this loan based on the guarantee that I received payment from XXXX  to reimburse me for my participation in their case study. I would never have agreed to purchase the XXXX dispenser for just under {$13.00} without that guarantee. In exchange for my participation in the study, along with the reimbursement, XXXX was to maintain the dispenser. Yet they never told me that the dispenser required filter changes, I have completed all my requirements and XXXX has never paid me any money. They continue to change the requirements monthly, and frankly make things so confusing. They even question if I finish them-when indeed I have. There are 1000s of participants who have gotten scammed in this fraudulent scam and XXXX just did a story as well. XXXX only talked about a few of the Finance companies and failed to list all of them. My loan was with United Consumer Financial Services.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provideXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX. Has been changing the first date of delinquency on both my old auto and credit card to both XXXX and TransUnion. 

By doing this they have prevented me from seeking the employment I desire and the ability to reestablish credit. 

I have contacted XXXX XXXX, XXXX. for records, which confirms my statements are valid. Still, they have ignored the facts, knowing that I would need to take them to court. 

I have contacted both XXXX and TransUnion, they can both see in the history of XXXX XXXX, XXXX. credit reporting, that both of these accounts started to be delinquent in XXXX of XXXX. 

I ask that XXXXXXXX XXXX XXXX XXXX, and TransUnion remove these two accounts from my credit file for good. My next step is through court system, where I will seek damages.
Product: Debt collection

MRS BPO LLC apparently took over my debt owed the XXXX through XXXX. I am currently enrolled in a debt consolidation program due to financial hardship/unforeseeable life circumstances. The collection agency has been harassing my family member ( s ) and providing privileged information to them about a debt i owe. According to Fair Debt Collection Practices Act ( FDCPA ), the collection agency violated several rights of mine. They texted/called my father multiple times in a harassing manner, they identified themselves as a debt collector and they disclosed personal details of my debt to my family members. 

I have several screenshots proving this violation of my rights and the harassment of my family. The most recent harassment/violation occurred today XX/XX/year> at XXXX XXXX. I contacted the company themselves and told them that they violated my rights and that i would press harassment charges if they continue to harass my family.
Product: Mortgage

We had sewer and water damage in our home. We got our insurance check but could not Cash it as it also had our lenders name on check. This happened early XXXX XXXX. We did repairs and paid out of pocket for repairs. PennyMac is our loan provider, we had to have XXXX inspection done. The check was for {$10000.00}. To this day even after inspection said 100 % complete, PennyMac has not released all funds. It is now XXXX XXXX. They are holding on to funds for no reason. I call and get run around. Every time I speak to someone they tell me something different. Now they want to foreclose on my house when they are holding more money than what we owe! I do n't believe this is legal. My wife and I are upset and do n't know what else to do.
Product: Checking or savings account

This was the original citibank offer which I signed up for : -- -- -- -- -- -- -- -- -- - Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I call citibank after I opened checkin/savings acct. The bonus time period has completed, but Citibank is stating that it might take few months to resolve the issues.
Product: Credit reporting or other personal consumer reports

Transunion was notified by letter on XX/XX/year> that the account that is reporting on my credit report with the account number XXXX has the wrong balance and the collection agency claiming the alleged debt has not been able to send validation. The original creditor, XXXX XXXX XXXX, was able to verify that the balance reporting is incorrect by sending my last statement ( attached ). You are reporting a balance of {$650.00}, while the original creditor is reporting {$590.00}. This is a complete violation, and I am demanding the removal of this account. XXXX and XXXX have already removed the account for XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. Please see the attached statement and delete this account within 30 days or I will have to seek litigation for your company 's false reporting and negligence.
Product: Debt collection

They sent me an email stating that i owed money for a loan. I contacted them and asked what this was about, that I had no loan. They said it was for a loan through BEST BUY for a XXXX. I told them that this was not for me, that I had never purchased for BEST BUY, and they need to correct the error. They referred me to their fraud office at XXXX I wrote them and let them know that I had never taken out a loan with them, this was their reply : Police Report and Bank Statement Needed Personal Fraud XXXX Fri, XX/XX/XXXX, XXXX to me XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX received notice that you may be a victim of identity theft and bank fraud. XXXX takes fraud allegations very seriously. If you still believe your identity has been stolen and used to create an account with XXXX, we ask that you file a police report for identity theft and include XXXX in the summary. If you have additionally experienced unauthorized charges, please include the last 4 digits of your bank account and dates and amounts of the unauthorized transactions in the narrative, as well. Alternatively, you can provide us a copy of your Bank Statement showing your name, last 4 digits of your bank account number, and the unauthorized transaction dates and amounts. Once the report is filed, we ask that you attach a full copy and potentially a copy of your Bank Statement in response to this email. Upon review and verification, we will refund any necessary payments, terminate the account for fraud, and remove all reporting of it from the credit bureau. We appreciate your assistance in this investigation. 


Best Regards, Fraud Team | XXXX  XXXX XXXX XXXX XXXXXXXX  UT XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX ; XXXX Subject : Fraud case I received an email with a lease # XXXX. Stating that I will be having an auto payment of {$270.00} on XX/XX/XXXX. 
I called XXXX and spoke with " XXXX '' a supposed supervisor to find out what this was about. He said that it was for a laptop XXXX XXXX that was leased from Best Buy. I have never leased or purchased from Best Buy. 
I am forwarding this information to the Georgia Consumer Complaint office of the GA attorney general. 
Along with the XXXX phone number and this email address and the phone # for Experience- the supposed Company that validates lease information for XXXX. 



ref :! XXXX.! XXXX : ref U
Product: Credit reporting or other personal consumer reports

My ssn was involved in the equifax data breach in XXXX. I filed identity theft police report in XXXX, as well as an identity theft affidavit that was signed by a police officer. And again in XXXX. I also made two claims in the data breach and have yet to receive either of my checks? I received an e-mail from them requesting additional documentation in order to further explain my claim, honestly it was unclear. Please see attached emails. I was homeless at the time ( due to related financial issues regarding the breach and the effects it had on my credit score ) as well as I was in and out of the hospital. I responded by phone 3 days after my 30 day window was closed. * ( in the email ( s ) Equifax stated 2 separate dates that were supposedly my due on or before date that were given to me and I had until these dates to submit the additional requested documents ) In the emails at the very end it states that if I do not submit the requested documents then the following email will be notice of my claim being closed along with directions on how to appeal the closing of the claim. When I called, I let the customer agent know I JUST missed the cut off date, and would need instructions on how to appeal the closure of my claim. The agent instructed me to direct my attention to the closing claim e-mail. I told the agent I never received that closing email, and requested he just instruct me verbally on the instructions on exactly how to appeal the closure of my claim. He asked to verify my email. I told him they obviously had the correct email because I successfully received both emails alerting me of their request for additional documents, along with all the prior emails I received when I originally made the INTIAL 2 CLAIMS, but again, I never received the email with the closure of my claim AND the instructions on HOW TO APPEAL. After verifying my email was in fact correct, he told me he was unable to verbally give me any directions on how to appeal and my only option was to leave a message/request for the escalation department/supervisor to return my call regarding my request for the appeal instructions. I never received that call. I ended up calling 4 separate times over the course of the next 3 weeks and every single call was exactly the same and I had to repeat everything that was said on the first call and they refused to just transfer me to a supervisor right then while I was on the phone. I got extremely frustrated, when finally the last time I called the agent just insisted that my claim was closed because I did not submit the requested documents in time. Thats when I told the agent that, that is why I was requesting instructions on how to appeal. The agent told me my claim was closed and I couldnt appeal. I told the agent that is exactly what an appeal process is for. When a company makes a decision regarding my account or interest in that particular company and I dont agree I have a right to a grievance or to appeal their decision, hence they closed my claim and I want to appeal it. But I have yet been able to get any such instructions or actually talk to a supervisor? .... Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account has been charged off longer than 7 years and should be removed.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to get incomplete and inaccurate items deleted off my profile. This company Experian has made it extremely difficult to get help during my dispute process. They have ignored my requested and gone over the 30 days time limit. I need help please
Product: Mortgage

To whom it may concern : Before my loan modification in XX/XX/XXXX, I had two separate loans from the same lender ( XXXX XXXX ), one for {$170000.00} and the other for {$47000.00} approximately. These two loans were combined into a new single loan with a low interest rate of 2.0299 % and a total amount of {$240000.00}. As part of the modification, the {$47000.00} loan was waived in exchange for a shared appreciation of 25 %, not to exceed {$47000.00}. 
This means that I am now only responsible for paying back the remaining amount of {$190000.00} at the low interest rate of 2.0299 %. The time of maturity for the loan remained the same at 271 months. 
In summary, my two loans were combined into one new loan with a lower interest rate, and a portion of the loan was waived in exchange for shared appreciation. I now have a single loan to repay at a lower interest rate and the same time of maturity as before the modification. 


Also, as part of my loan modification in XX/XX/XXXX, the lender ( XXXX XXXX ) waived the {$47000.00} loan in exchange for a shared appreciation of 25 %. This means that if I sell my house, the lender will be entitled to receive 25 % of the appreciated value of the property, up to a maximum of {$47000.00}. 
For example, if the value of my house increased by {$100000.00} since the loan modification, the lender would be entitled to receive 25 % of {$100000.00}, which is {$25000.00}. However, if the value of the property increased by more than {$180000.00}, the lender would still only be entitled to a maximum of {$47000.00}. 
It is important to note that this shared appreciation agreement only applies if the property is sold. If I continued to own the property and make payments on the modified loan until it is paid off, the shared appreciation agreement will not be triggered. 
Additionally, my modified loan takes precedence over any other loans, meaning that it is the primary loan on the property and must be paid off before any other loans can be satisfied. Which in fact it was sold through foreclosure on XX/XX/XXXX. Therefore, all excess funds are due to me immediately, because I am the original owner of the loan. 

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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by TransUnion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, these accounts remains on myTransUnion credit report. 
Upon discovering these fraudulent accounts, I contacted the associated company, which has confirmed the fraudulent nature of the following accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. 

I am perplexed as to why these fraudulent accounts continues to be reported by TransUnion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

My first knowledge of this debt was when I get court papers stating that I am being sued. When I look at the documents provided by Midland credit management I find that the statements provided were from a person who shared a similar name and a different address. I dont know how these attorneys got hold of my address to sue me. Since I am already in court and have to send an answer I let the court know in my response that that is not my credit card account and that is not my address. I have lived in my current address for the last 15-16 years. I dont know any one in that address not even in that town. I send a copy of my response to the Midland attorneys as directed by the court. As a result I begin getting requests from midlands attorneys to provide to them all my personal information in order for me to prove it is fraud. Why would I do that if they are supposed to have that information if they claim I opened a credit card and owe money. I am right now waiting for the hearing in the coming month but I am unemployed and dont have an attorney and the court could not provide one for me. Midland has no proof that I possess that credit card and are making the papers in the court look like I received those statements, misleading the court. I requesting that they stop this unfair law suit and stop asking for my personal information. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to file a dispute online. After filing the dispute, I received an email stating that the results were ready. Following the link provided attempted to log in. The website states : " We need more information to confirm your identity '' and gives a telephone number to call. After calling the number provided spoke to numerous agents all claiming that they would " Connect me to someone who can help me log on, '' no agent was willing to help me log on and they continued to transfer me to other agents. The agents then pretended that they were having problems hearing on the telephone.The behavior became abusive. The agents then disconnected the telephone call without providing any assistance. I was unable to view the result of my dispute for a collections report of an account that was not mine. I am not sure how to resolve the problem since I am suffering from an unfounded collection report on my credit report and can not receive any assistance from the personnel at Equifax.
Product: Mortgage

My original mortgage was with XXXX XXXX  and as part of their mortgage package they offered a rate renewal for the cost of one months mortgage payment for the life of the loan. The mortgage note is currently held by XXXX XXXX  in Delaware. I have attempted to contact them several times by phone and email in XXXX with no return calls or emails. On XX/XX/XXXX I contacted the office in Delaware and expressed my desire to renew my mortgage rate as per the terms of my original mortgage. Later that day I received a call from a loan officer and after explaining to him about the XXXX rate renewal he told me that since they now held the note the terms of my mortgage were no longer valid and I would have to go through their mortgage process if I wished to renew. I told him the terms of the original mortgage are to be retained no matter who is holding the note. At that point the conversation ended.