23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am initiating another complaint because my prior complaint was NOT resolved at all by the bank, but their response seems to have caused the complaint to be marked closed. I did provide feedback on their response but I do not know whether that will have the effect of keeping that complaint active. 
To summarize, I issued a check to a business payee in XXXX, using the bank 's online XXXX XXXX system, which simply means the bank mails the check to the payee. The check was stolen and fraudulently endorsed. It's been two months since I brought it to the bank 's attention, which includes a delay of probably two weeks because the XXXX XXXX XXXX  mistakenly submitted a Reg E review, when what was needed was a fraud review. The bank 's fraud department has since been investigating it, and awaiting a response from the thief 's bank ( XXXX XXXX ). My complaint is that I should be credited by now for the obviously fraudulently endorsed check. What goes on between TD Bank ( my bank ) and XXXX XXXX ( the thief 's bank ), is between them. I am a customer of TD Bank and everyone from the bank who looked at the evidence easily agreed it was fraudulently endorsed.
Product: Mortgage

First payment was due XX/XX/2020. Per our previous lender XXXX XXXX who sold the loan ) we were to make that first payment through them, and we did ; they cashed our check XX/XX/2020 and advised they forwarded the payment to the new lender - BSI Financial - onXXXX. As of today, XX/XX/2020, XXXX claims they have not received the payment from XXXX. Today ( XX/XX/2020 ), after two previous attempts via phone in the past week, I was actually able to speak to someone at BSI and they kept repeating our account is past due, past the grace period, and they do not have the payment from XXXX. 

Additionally, we received notice from XXXX ( our previous lender ) on XX/XX/2020 that our loan had transferred to BSI. On XX/XX/2020 we received confirmation from BSI. A little over a month later, our account information is still missing Payee information for our Property Taxes and Homeowners Insurance. Also, the minimum amount due does not reflect the required amount to be paid into escrow monthly. Upon noticing these errors right away in mid-XXXX, I attempted to contact BSI via their websites " email us '' option, and received no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and credit inquiries from my credit report. I have been a victim of a data breach that compromised my personal information, and under the provisions of XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. Bankruptcy - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Attention : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX Social Security XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 IA XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX Date Filed : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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 VA 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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: Debt collection

I was contacted by an agent of Jefferson Capital that I owed a debt from XXXX XXXX XXXX. I asked for the following information on the debt : 1. Name and mailing information of the debt collector 2. Name of the creditor to whom the debt is owed 3. Account number ( if any ) associated with the debt 4. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits 5. The copy of the original contract bearing my signature that showed that I entered in the contract.

6. The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt.

I did not receive the information but continue to receive a billing statement and proposal for settlement of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Checking or savings account

To bring this up to date, Wells Fargo 's Remediation ( DPG ) XXXX. XXXX  XXXX, XXXX, Oregon, XXXX letter to me XXXX XXXX XXXX dated XX/XX/2020 said, " Our research indicates that a hold was placed on your deposit account ( s ) that may have been unnecessary. We sincerely apologize for any negative impact this situation may have caused. '' Closed account ( s ) impacted : ending in XXXX ; XXXX Reference Number XXXX. 

Also, they agreed to send me {$250.00}. and {$500.00}. for reimbursement of bank fees. I received the {$250.00}. check XX/XX/2020. I have not received the {$500.00}. check. They sent the check to the wrong address. 
The said they would mail me a reissue form to my correct address twice and it never came. 
They said they sent the authorization to the branch twice, the branch said they never receied XXXX 's authorization to issue the check at the XXXX  branch in XXXX XXXX XXXX, utah and XXXX XXXX at XXXX said he has never received it. I was told by XXXX to go there by appointment. 

I have contacted Wells Fargo many times and every time their statements do not match their actions and this has been going on not for two months. The names of contact are XXXX, XXXX, XXXX XXXX are not verified. I was even told an email was sent to the XXXX  branch of wells fargo with instruction to pick up the check. well, i scheduled an appointment twice and still no email authorization and no {$500.00} check. 

This settlement stems from an investigation over ten years ago as part of the big Wells Fargo they got caught holding depositors deposits for weeks, bouncing checks, charging fees denying access to the funds deposited into the accounts. 

It has been two months since i was to get the {$500.00}. returned to me and since i have gotten the run around, i feel they have no intention fulfilling the REMEDIATION COMMITTMENT THEY AGREED TO.. 

They told me they issued the check on XX/XX/2020 and I'm yet to see it. I have contacted the REMEDIATION DEPARTMENT SEVERAL TIMES and i get nothing but nonsense. WELLS FARGO CASE NUMBER GIVEN TO ME BY XXXX XXXX IS XXXX at XXXX I believe they're giving me the run around and trying to rip me off again by delaying the payment of the {$500.00}. we agreed to XX/XX/2020 and thinking i will just go away. 

I believe i have been more than patient for the wrong doing and I believe they should be shut down until i receive my {$500.00}.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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/year>
Product: Checking or savings account

On or about XX/XX/XXXX I went to deposit a check to my business account at Chase bank, at which point the teller said that my account is " restricted '' and can not accept any deposits or pay any checks. The bank manager wasn't sure why that is the case, since there was more than enough money in the account. The message in their system said that some information is missing. I spent most of the day filling out all kinds of paperwork, even though this account has been open since XXXX. In the meantime, the bank bounced some payroll checks, tax payment to the IRS and XXXX, child support payment for one of my employees, etc. After the account was reactivated, I asked for the letter explaining why this happened. Bank manager said that someone would contact me. To date, no one did.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX  XXXX
Product: Checking or savings account

XXXX XXXX XXXX has disputed legitimate services I provided him. With your merchant bank I refuted every debit to my account and you had agreed but still intercepted legitimate payments I received from XXXX XXXX ( {$500.00} ) and XXXX XXXX ( {$1700.00} ). These illegal claims have been settled with XXXX  XXXX XXXX who placed a stop payment for electronic transactions, so I changed my bank to XXXX XXXX XXXX and you stole my money so you had already accepted my proof of legitimate charges to said XXXX XXXX. Please promptly credit my account and also I am pursuing credit from XXXX and reporting you to both the FDIC and the CFPB. This is an outrageous use of illegal banking activity. Shame on you!!!! 

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

On XX/XX/2019, I contacted XXXX XXXX XXXX and requested a settlement amount for a balance owed due to end of lease fees that was to the tune of {$9300.00} ( an amount I would never be able to pay ). I asked for a month to come up with the amount and was faxed a letter with the agreement to pay {$3500.00}, for the settlement amount by XX/XX/XXXX '19. 
I personally received the funds by the XXXX of XX/XX/2019 and overnighted the check to XXXX XXXX XXXX and have noticed the funds have been applied to the balance on my credit report. Since then, I have been in constant dispute with the company because they have still kept the account OPEN with a balance of {$5800.00} and a monthly payment of {$580.00}. I'm constantly calling the company and receiving the run around and constantly being transferred, with no-one taking responsibility and trying to help me. This information on my credit report is skewing my debt to income terribly. I have asked Experian and other credit reporting agencies for their help and they still report the dispute as verified and unchanged. I don't understand it since I have provided them the AGREEMENT LETTER from XXXX XXXX and they see the settlement amount has been applied to my balance. 
I settled with other companies at the exact same time, and they have updated my credit report as SETTLED and CLOSED as agreed. Why won't XXXX XXXX XXXX do the same?
Product: Credit reporting or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately. 

XXXX XXXX XXXX inquiry date XX/XX/year> XXXXXXXX XXXX inquiry date XX/XX/scrub>XXXX XXXXXXXX inquiry date XX/XX/year>
Product: Debt collection

Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with Experian for over a year regarding discrepancies and fraud on my account. Experian started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification.

Experian has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.
Product: Checking or savings account

Tired to link account for XXXX  and connection failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA all consumer reporting agencies have a GRAVE RESPONSIBILITY to report correct and 100 % accurate information on a consumer 's report. EXPERIAN FAIL TO DO THIS ON MY CONSUMER REPORT. In XXXX of last year I notice that thing were not reporting correctly. The have a name that I have never used, addresses I have never lived at and so much inaccurate information on accounts reporting. 
On XXXX XXXX I sent EXPERIAN a letter informing them of my proper name and the proper address they should be reporting and directed them to delete anything else because it was in accurate. Along with this letter I sent a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill. They totally ignored my letter. 
On XXXX XXXX I sent them XXXX more letters detailing the same information but also disputing the inaccuracies on my report. I also again sent them a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill to verify that it was me sending them the letters. I also directed them to respond to me via mail to my proper address. 
On XXXX XXXX I sent them a letter notifying them that because they took longer than XXXX days to respond that them must delete all accounts that I disputed in the pervious letter and I listed all the accounts in this letter as well along with the same documents to verify my identity. this letter was completely ignored as well. 
On XX/XX/2022 I also sent out my next round of dispute letters with all of the identity verifying documents. It is now XXXX XXXX and literally nothing has changed on my credit report! They haven't responded to my last letter which was almost XXXX days ago or my first letter which is almost XXXX days ago. 
Experian is not follow Fair Credit Reporting Act or their own XXXX XXXX compliance standards. As a federally protected consumer this is totally UNACCEPTABLE. 
In the last XXXX months I have gotten denied for numerous of things because Experian has fail to obey the law!
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received any responses or status of the investigation.