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

This is my second attempt. The first time I submitted a complaint, Experian refused to investigate or acknowledge my complaint. I also filed a complaint with the attorney generals office. Inaddition, XXXX  complied with my request.

I am contacting you today regarding an alleged dismissed bankruptcy  that is reporting on my credit report. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Experian, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Experian on XX/XX/2020 and attached the letter I received from XXXX. Experian responded back with a letter that said that This section includes public record items Experian obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Experian verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website, https : //experianconsumersXXXX to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for Experian, Experian performs the matching. 
I then again proceeded to send letters to Experian dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Experian. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Experian for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if  reasonably available ; It is now XX/XX/2020 and I have not received a response from Experian. Experian has failed once again to comply with the FCRA. I have recently filed a complaint with the Consumer Financial Protection Bureau ; however, it is my understanding that under the current administration, the CFPB is not stepping in and helping consumers. 
Attached is all document regarding my complaint against Experian. 
I ask that Experian complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from my credit report.
Product: Bank account or service

This is my third attempt to submit this information. I get to the end and can not get past the " add attachment '' option! 

When setting up payees with my Suntrust bill pay I enter the company name and account number. If there is a match Suntrust automatically sets up the account. I have questioned the mailing address of some of these accounts and asked for a list of the mailing addresses by payee to which they have told me ; 1 ) Go to the payee account and look. ( I have obviouslly done this and the addresses are not listed. ) 2 ) They said they will not supply these addresses. 

They are sending " MY '' money somewhere and will not tell me where. They will tell me to whom, which I already know, but not where. I feel I have a right to this information and is the reason I 'm complaining about their business practices here. They have a very bad attitude and view their smaller customers as a necessary evil. Please help. 

I am listing the text of my email correspondence below since I can not attach. 
Here 's my initial request for information : XXXX -- Original Message -- Date : XX/XX/2017 XX/XX/XXXX To : XXXXXXXXXXXX Subject : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } There are a number, actually the vast majority, of my on-line payees where I can not see the address where the payment is being sent. I need to verify these address for myself and need to see them. I do n't care who maintains these addresses, etc., I need to see them since you are sending my money to these address I have a right to know what they are from you and not the payees. Please let me know how I can get a list of these address from Suntrust Bank. I need these immediately. 

Here is their response : XXXX Topic : Bill Payments Subject : Re : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } [ # XXXX ] From : Customer Support XX/XX/2017 Hi XXXX, Thank you for your email. 

I will be happy to assist you. I understand your issue. When you schedule a bill payment we will send the bill to the mailing address that you have provided when you added a biller. 

I request you to please review biller profile to confirm the mailing address of biller. I request you to please follow below steps to see mailing address of a biller. 

Select Move Money from the Landing Page then select Pay Bills. 
Select the applicable biller account and click anywhere in the biller row. 
Select Details. 

After you select details you will be able to view mailing address of a biller. However, please keep in mind that you will not be able to see the full payee account number ; for security the payee account number only displays the last XXXX digits. However, you can edit or view the account number by clicking on Change or Show. 

I am sorry to inform you I will not be able to provide you list of all your biller along with mailing address. 

It was a pleasure assisting you. Have a nice day! 

Regards, XXXX XXXX XXXX SunTrust Bank- Digital Client Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the payments and the account is closed.
Product: Checking or savings account

I opened a US Bank Gold Checking account online on XX/XX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XX/XX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XX/XX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XX/XX/XXXX. On XX/XX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XX/XX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received.
Product: Bank account or service

Paypal opened a line of credit for me by tricking me into opening the account. It was all done online. When I tried to close the account, they said I can no close it. I wanted to transfer money to the account to close it but they are trying to force me to give them my bank account info which I do n't trust them with. They are trying to extort me with late fees and bad credit reports if I did not pay but refuse to allow me all avenues to make payment. BEFORE I was able to transfer money from XXXX paypal account to another to make payment. They have blocked this
Product: Credit reporting or other personal consumer reports

Several inquiries have been on my credit reports without my having created them myself. I have filed a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.
Product: Credit reporting or other personal consumer reports

My bills were sent to a 3rd party without my consent.
Product: Checking or savings account

On XX/XX/XXXXXXXX  my mortgage company XXXX XXXX XXXX XXXX called to inform us they had not received our payment. We said well we sent the check to the po box as we always do and someone cashed it on XX/XX/XXXX. They informed us that they did not receive the check and they noticed it was endorsed on the back and they do not endorse the checks so to contact our bank as it was not them who cashed it. We contact our bank, XXXX immediately and on XX/XX/XXXXXXXX  we learned that someone electronically deposited the check through Bank of America for the amount of {$2700.00}, check number XXXX. The check was not altered in anyway so Bank of America let this person deposit a check not payable to them and gave the person my money. We completed the appropriate form called the declaration of an unauthorized endorsement or altered item along with XXXX XXXX XXXX XXXX for XXXX to file with Bank of America. I was informed via XXXX ( my bank ) that it could take up to 90 days to receive my funds back. In the meantime I had to come up with an additional mortgage payment to not be sent to collections! I called every month checking on my claim and the first 90 days nothing was done. In XXXX I called and they said because it was Bank of America they actually have 120 days once a claim is filed to respond. Well that day came and went and I continued to call every month about my claim. In XXXX we received a letter saying they closed my claim and if we wanted to pursue this on our own please contact the bank who it was cashed with. The letter XXXX emailed my husband also had the incorrect address on it as we never ever lived in Indiana and neither of us know the address, and thought that was weird. When I called on XX/XX/XXXX to follow up the claim was escalated and I would hear back within 3 business day but that I needed to follow up. When I did I was told there was nothing more XXXX could do for me as Bank of America has not responded to any of the letters they have sent, but the claim will not be closed ( contradicting the letter they sent? ). I then called again in XXXX and XXXX with the same outcome and in XX/XX/XXXX we had news! Bank of America had asked for all the documents again for the claim. I was then told it could take 90 days for them to review, which they already did. I called again in XXXX and XXXX with the same result XXXX  can not do anything more then send the letters to Bank of America if they choose not to respond XXXX  hands are tied and I would have to pursue other ventures outside of the bank. When I asked what that meant XXXX would not elaborate. 
The frustrating thing is that someone stole {$2700.00}. XXXX from me and my bank XXXX wont give me my funds because Bank of America have not admitted fault in the fraud and I am out that money that we could really use!!! I have filed a police report as well and nothing has come of this. We are going on NINE months and Bank of America will not give me my money and XXXX says they will not reimburse me as they are not responsible!!! PS we no longer write checks for our mortgage- lesson learned : (
Product: Credit reporting or other personal consumer reports

all inquiries and accounts connected are not mine and I have filed a FTC report
Product: Checking or savings account

Capital one 360 closed my savings account with the balance of {$45000.00} on XXXX XXXX, and now it is XXXX XXXX. During these days, I have called the bank multiple times to inquire when my externally linked account would receive the fund, the representative said within one day or two, but I never received my fund. Their way of dealing business is like fraud, and the customer service didn't offer help at all, they were just being perfunctory and shamelessly hold my fund. They chose to close my account, no problem, but capital one 360 doesn't have any valid reasons to withhold my money for such a long time, I am losing interest everyday! In contrast, I have a checking account with them, in which I manually transferred {$200.00}, the fund arrived my externally linked account just in one day. I really regret being their loyal customer for 12 years! What a shame.
Product: Mortgage

SOMEONE STOLE MY IDENTITY AND HAS A HOME LOAN WITH BANK OF AMERICA IN XXXX XXXX.IS AFFECTING MY CREDIT.
Product: Debt collection

I have received several written " Demand for Payment '' from XXXX XXXX XXXX beginning XX/XX/XXXX. Re :  Unpaid Toll Invoices from XXXX XXXX  XXXX XXXX. The amounts are always different from $ 250- {$300.00}. I live in another state far from Texas and called to report that this was mailed to the wrong person. I was told the toll balance was a total of {$1100.00}. I was advised to contact the DOT to make sure this vehicle was not registered in my name. The form has a license plate number, the DOT would only tell me the make of the car. I placed a fraud alert with the credit agencies, although I did not notice any suspicious activity. After I received another notice for payment of {$300.00}, I sent a certified letter on XX/XX/XXXX to XXXX XXXX XXXX, to notify them, they are trying to collect from the wrong person, and requesting proof of why they believe I am the person responsible for this debt. I received another notice on XX/XX/XXXX, called to find out if my letter was received and it was, I was told this was under investigation. Today XX/XX/XXXX, I have received yet another notice for {$270.00}, without any explanation. I have a very common name, never drove in Texas, and want these people to stop sending me collection notices.
Product: Debt collection

I left am apartment complex Account # XXXX XXXX XXXX XXXX, TX. Upon leaving i confirmed with the current management that everything was clean and no charges were due back in XX/XX/XXXX. XX/XX/XXXX i received from ResidentCollect, Inc. Collection notice for amount owed {$350.00} I requested documentation that this is my debt. No documentation was given to this day XX/XX/XXXX. This has been on my credit report all these years and i demand this be removed. This is not my debt and no proof that it is has ever been presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I received a notification from XXXX on XX/XX/XXXX that a payment was more than 30 days late on my card. I immediately checked my emails and found that I never received my e-statement either. A late payment charge of {$41.00} was charged to my Target RedCard Mastercard account on XX/XX/year>. 
The late payment that was reported to the XXXX XXXX XXXX XXXX so I contacted them via phone where a message played stating they were having technical issues with their payment system. Once I spoke with someone they refused to do anything even though I also immediately paid the balance in full. 
I also requested my original credit limit of {$6000.00} be reestablish because they also reduced it to {$500.00} but that was not done either. 

These actions were all taken in XX/XX/year> because I have e-billing statements and did not receive a bill via email for the month of XX/XX/year> and as a result the payment was not made until XX/XX/year> when I was notified by XXXX of a payment that was XXXX days late. 

I contacted Target RedCard customer service and I was informed that while there had been technical issues at the time with the website and payment system there was nothing they could do to correct the payment history, credit reporting, or my credit limit. 

I then sent a dispute letter and nothing was done to correct their error which resulted in false information continued to be reported to the credit bureaus which has ruined my credit score and ability to obtain credit from other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding unauthorized hard inquiry left on my credit by fraud by JPMCB CARD Inquiry date : XX/XX/XXXX JPMCB CARD Inquiry date : XX/XX/XXXX after i reviewed my report few days ago i found so many suspicious activities so right away i called three credit bureau left fraud alert on my report and i confirm this is unauthorized hard inquiry impact my credit
Product: Credit reporting or other personal consumer reports

I never go the bills for these late payments. I am requesting that these companies send proof that they sent the bill out. I am requesting return receipts for every payment that they are calling late on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Open end credit plan means credit extended under a plan in which a creditor may permit an applicant to make purchases or obtain loans from time to time directly from the creditor or indirectly from use of a credit card. 

According to XXXX it states any credit balance in excess of {$1.00} is to be credited to the account or as per request a check of the balcone be sent by mail within 5 business days.
Product: Student loan

I got a letter from Aspire Servicing center ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX ) saying I have a Total principal balance of XXXX and a total unpaid interest of {$5000.00} due now. The statement date is XX/XX/22 and I got this letter on XX/XX/22. 

1. I dont have any loans through Aspire. All my student loans are through XXXX XXXX and XXXX. 
2. If they got sold again I haven't gotten any notification. My loans were originally through XXXX XXXX XXXX XXXX 
3. They are also saying my interest rate has as increased from XXXX to the new rate of XXXX. 
4. I have been trying to no avail to get a hold of them. Cant get through.

5. I have not agreed or signed anything.

6. All my loans are on covid forbearance 7. Predatory, manipulative loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - XXXX XXXX XXXX Date Filed XX/XX/2014 2014
Product: Debt collection

We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 60 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.