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

I HAVE PREVIOUSLY DISPUTED : Bankruptcy TransUnion XXXX XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX  XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports.

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the XXXX XXXX XXXX, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX card XXXX account number XXXX Date opened XX/XX/XXXX. 
Account name XXXX XXXX account XXXX XXXX Date opened XX/XX/XXXX. I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Product: Credit reporting or other personal consumer reports

RE : ( ACCOUNTS THAT ARE FRAUDULENT ) : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : EXPERIAN HAS NOT ADDRESSED MY ISSUES THAT I HAVE BEEN DEALING FOR 5 YEARS WITH THIS COMPANY THAT WAS BUILT OFF OF SLAVERY. LETTERS THAT HAVE BEEN SENT TO EXPERIAN 'S CEO AND CFO THAT HAVE BEEN SENT CERIFITED TO HEADQUARTES OFFICE AND BY EMAIL CONTINUE TO BE IGNORED. WHICH IS A VIOLATION OF FAILURE TO RESPOND. I HAVE WRITTEN LETTERS AND DISPUTED TIME AFTER TIME THAT EXPERIAN IS INCORRECTLY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND EXPERIAN HAS CONTINUED TO VIOLATE AN ORDER TO CEASE AND DESIST THAT WAS SENT IN XX/XX/2023. EXPERIAN HAS BEEN SUPPLIED COUNTLESS TIMES, SUPPORTING DOCUMENTATION, PROOF OF IDENTIFICATION, AND ACTUAL AND FACTUAL CONSUMER LAWS THAT EXPERIAN CONTINUES TO VIOLATE, THERE IS NO SATISFACTION IN RESOLUTION. EXPERIAN CONTINUES TO VIOLATE MY CONSUMER RIGHTS. WHO, WHAT, WHEN, WHERE, HOW? ARE YOU EXPERIAN VERIFYING THIS INFORMATION? YOU ONCE AGAIN DO NOT HAVE MY PERMISSION TO CONTINUE TO REPORT ON MY REPORT WHICH IS A VIOLATION OF 15 US CODE 1681b PERMISSIBLE PURPOSE. EXPERIAN YOU CONTINUE TO VIOLATE THE TRUTH AND LENDING ACT 15 U.S. CODE 1601 XXXX. 41. YOU CONTINUE TO REPORT ON MY CREDIT REPORT AND YOU EXPERIAN HAVE VIOLATED AN ORDER TO CEASE AND DESIST, WHICH IS AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. IT IS AGAINST THE LAW TO REPORT ON ANY CREDIT REPORT ESPECIALLY FRAUDULENTLY WHICH EXPERIAN HAS VIOALTED 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE. EXPERIAN YOU WAS SENT A FTC REPORT PROVIDING YOU IN FULL DETAIL OF ALL ACCOUNTS THAT ARE REPORTING FRAUDULENTLY AND YOU STILL WILL NOT REMOVE WHICH IS A VIOLATION OF 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT. PLEASE LOOK UP AND DEFINE ALL LAWS YOU HAVE VIOLATED, BECAUSE YOU ARE NOT DOING YOUR JOB CORRECTLY WHICH CAN LEAD INTO A LAWSUIT. EXPERIAN YOU CONTINUOUSLY VIOLATE LAW 15 US Code 1681e ( b ) - MAXIMUM ACCURACY. PROVIDE TO ME MY WET BEARING SIGNATURE, THE ORIGINAL CONTRACT WITH MY SIGNATURE, THE PROMISSORY NOTE THAT IS BEING EXCHANGED ON THE FIRST AND SECONDARY MARKETS. YOU HAVE ALSO VIOLATED 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION, 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION,15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION, 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE, 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS, 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE - PLEASE TELL ME THE PERMISSIBLE PURPOSE YOU HAVE? YOU DID NOT GET PERMISSION FROM ME IN WRITING TO REPORT ON MY CREDIT REPORT. THE ONLY PIECE OF INFORMATION YOU HAVE PROVIDED IS A WAISTED OF PAPER. YOU ARE NOT SUPPOSE TO ASK A CONSUMER FOR THEIR SOCIAL SECURITY NUMBER WHICH IS A VIOLATION OF 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU NOW HAVE 3 DAYS TO REMOVE THIS FRAUDULENT INFORMATION OFF OF MY REPORT. FAILURE TO RESPOND IN TIMEFRAME GIVEN WHICH IS 3 DAYS WILL RESULT IN A LAWSUIT. YOU EXPERIAN KNOW THAT YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND LAWS. THIS IS FINAL!
Product: Checking or savings account

Constantly being charged overdraft fees ever. Despite having sufficient funds to authorize my purchases I am still charged with an overdraft fee. Sever of them to be exact.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX 

Transfers unknown/unlisted on statements with destinations not mine. XXXX, totaling. 

Numerous bank triggered overdraft fees in above amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation XXXX, I am sending this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY : XXXX  XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Mortgage

I was having payment discussion with my mortgage servicer in XX/XX/XXXX about setting up payment arrangement to catch up our mortgage from the late fee 's that had accumulated on our account. Seterus which is the servicer. I spoke with a representative from Seterus by the name of XXXX. We set up a payment arrangement on XX/XX/XXXX for the months of XX/XX/XXXX and XX/XX/XXXX to pay a certain amount and it would catch the account up including all late fee 's. At the time of conversation, I had also made the XX/XX/XXXX payment of XXXX XXXX. Seterus sent a letter XX/XX/XXXX with the agreement which the dates and amounts were wrong, and showing an amount for XX/XX/XXXX. on XX/XX/XXXX I spoke with XXXX again and told her I was unable to adhere to that arrangement and that I would not be able to pay my XX/XX/XXXX mortgage payment until XX/XX/XXXX. I told her I would call her to make the payment and set up new arrangement or a payment plan for XX/XX/XXXX and XX/XX/XXXX. She asked me if I could make a payment on XX/XX/XXXX, which I told her I was not sure I could do that, and I would call to let her know at that time. Never in our conversations did I authorize a auto-withdraw on my checking account. XX/XX/XXXX Seterus unlawfully withdrew {$2200.00} from my bank account without my authorization. I contacted them and told them they needed to send notification to the bank that day ( Friday XX/XX/XXXX ) and stop the withdraw that was showing in " Pending status '' The representative said that they could not do that and that it is too late. They stated I could go through the process of dispute which I would have to pay a wire service to have the funds wired back into my account, when they unlawfully withdrew the funds. I stated to the representative I wanted proof ( today XX/XX/XXXX ) sent to me that I authorized such a withdraw. He never answered the question and invaded it. They would not send the notification over to the bank stopping the withdraw. So in essence they refused to send it knowing they unlawfully withdrew the funds.
I have consulted with an Attorney and he advised that the first step is to file with the Consumer Finance Protection Agency. Representation will be obtained officially after this complaint has been answered, and a possible civil law suit could ensue.
I have also filed a complaint with BBB I have also filed a police report.
The Pennsylvania Attorney Generals office will also be contacted.
Product: Checking or savings account

In XX/XX/2023 my parents and I went to XXXX Bank in XXXX, IL to open a bank account for me. I was XXXX at the time. I needed an account because my mother on XXXX had been receiving benefits from social security XXXX to her for me as a dependent because I was a minor for XXXX  years. We received notification from social security that because I was turning XXXX in XXXX my benefits would no longer go to my mother for me, but to myself. We went to XXXX where my parents had accounts for years. I received my first paper check on XX/XX/XXXX. I deposited my check through the app using my phone as it was instructed I could do by the representative that helped me open the account. I thought it was a great idea and convenient. About an hour later I went to check my deposit and learned that XXXX had placed my account in the negative of XXXX. I was not sure what was going on. My dad a cosigner on the account called and was told it was done because of the check I deposited and I needed to call fraud myself since I was now XXXX. The next day I called with my mom. I was basically told the account was on hold because they needed to verify my check. I told the representative that they have the check, please verify it with social security. They refused telling me that I needed to bring a social security benefit letter to verify the check. I was then getting upset not understanding why I was required to provide a letter to verify a check they already had. How do you verify a check other than with the check. All that they needed to do was verify the check with social security. But instead they held my account in the negative. My mom then realized that they didnt want to verify the check which they knew was good but to see proof I was entitled to receive my own money. It baffles me to understand why I needed to show a benefit letter. I felt violated and discriminated against. Why i am entitled to receive social security is no ones business. Do they ask for documentation from employers from those depositing checks that they work there? I asked for documentation that this was a regular requirement for all customers submitting a check and not just me. And of course they could not. My mother sitting listening to the entire conversation intervened. She questioned why a benefit letter was required for a government issued check they had visual inspection of to verify. My mom asked for a supervisor. And was told one was not available. We were speaking with the fraud department and could not fathom out of all departments a supervisor was not available. It was not difficult to assume we were being dismissed. I'm furious about how both me and my mother were treated. Why was I asked to provide proof of my entitlement to receive social security benefits when they had the check. Why is there no written documentation of this requirement for XXXX which leads me to feel its discrimination. I want documentation of their policy on this. And all and anf fees taken off of my account.
Product: Debt collection

On XX/XX/ I received a letter from ERC stating that I owed {$5400.00} from XXXX XXXX from over 5 years ago. I need further verification about this debt from an account that was closed and a charged off amount. I sent a letter on XX/XX/XXXX requesting this information.
Product: Credit card

I 'm not sure if this is the most appropriate agency to contact regarding my complaint. I did pay for the service/repair of my car with a credit card. I took my XXXX Nissan Frontier to Dennis Dillon Nissan in XXXX for repair on XXXX/XXXX/2013. This is an authorized Nissan dealer in XXXX and I was told that they only utilize Nissan parts on repairs/replacements as shown on the Estimate. I agree for them to repair my car after I understood they would use Nissan parts. I found out later after receiving my car that some parts did not look new and I reached out to the dealer only to be told that parts used were aftermarket because the Nissan parts were not available. However, at no time during the repair process I was informed that the parts were not available and aftermarket parts were going to be used instead. furthermore, on XXXX/XXXX/2013 I paid an invoice showing the agreed parts on the estimate and I was not told that different parts were used as noticed on the invoice itself. 
I made multiple attempts to reach a resolution with Dennis Dillon. I requested proof of where the parts came from and I was given a " parts shipment list '' which after investigation, I found that those parts were for multiple vehicles and none were actually for my car. I looked up every single part number at Nissan.com. 
I spent about XXXX months trying to resolve the problem with Dennis Dillon. I noticed that the aftermarket parts started to show corrosion a couple of months after they were installed and I tried to get dealer to honor the lifetime warranty that he mentioned on a XXXX/XXXX/2013 email. Dealer refused to honor the warranty. I also discussed with dealer getting a refund for matching the price with the lower cost aftermarket parts that they had used but they refused. Dealer eventually stopped all contacts. 
I tried to hire a private Attorney but Idaho is a very conservative State and most of them represent the insurance/defense. I did talk to a couple who believed that the amount paid for the parts was n't large enough for them to take the case. 
I 've been taking my car to another Nissan dealer for maintenance and I 've found out that some parts that were supposed to be replaced are not on my car at all. for example, the front Grill was coming loose on one side and I was told today that there were seven clips that were not installed during repairs by Dennis Dillon. In addition, I was also told that they did n't do a proper job because the repaired side had been bolted rather than welded and as result it looks uneven on that side. 
I 'm not sure if the FTC or other agency protects consumers from predatory/fraudulent practices but here is Dennis Dillon Address/contact information : Dennis DillonXXXX XXXX XXXX XXXX, ID XXXXPlease let me know if you can help me. I already tried hiring a private Attorney but not many in this area represent the people. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXXXXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report nor verify any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXXXXXX XXXX XXXX  has violated my rights, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have, on copious occassions, contacted Mohela to determine the best method of resolving my debt with the focus of removing the information from my credit report. I wanted to pay in full so I could return back to school but postponed my return to school, due to the promise that making small monthly payments for 9 months would allow the information to be deleted from my credit reports. When that did not happen, I was informed that the information would be removed in 7 years from the first delinquency which was XX/XX/XXXX. I was given a date of XX/XX/XXXX. I waited.The information was not removed in XX/XX/XXXX. I disputed the information through XXXX multiple times and each time, Mohela responded disrespectufly quickly. They updated the delinquency date to XX/XX/XXXX, continue to report the negative information, and refuse to provide any proof as to why. I dropped out of school in the XXXX  of XXXX ( the term for which the loan was provided ). I have proof of this in the form of a transcript with all Fs. My federal loans would've been due and deliquent ( since I did not pay ) in XX/XX/XXXX. The loan was paid in full in XXXX. They have no reason to continue reporting negative information on a paid in full student loan 7 years and 4 months after the first delinquency date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/2018.