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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights.

15 U.S.C 1681 section 602 A.Clearly states that I have the right to privacy.

15 U.S.C 1661 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all Experian, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX  XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. Conserve collection account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

This is an old  Secured    XXXX   XXXX   card from   XXXX  , it was sold by  Midland fu nding, whom can not verify this account as I was told it was sold an d i would have to deal with the purchaser. Midland Funding can n ot verify this debt and  XXXX  has no right to charge off a Secured Card and refuse to help. I will not deal wit h Midland Funding because they have no agreement from me to take over th e account and the balance also has interest added to it, they can not charge me interest on a charged off account, I did not apply for this card through midland funding and as they do not have my application, they have no authority to collect this debt, they are not a Bank and i have no agreement with them. they reported this to all credit Bureaus as a charged off collection account, yet they have no authority to report it and they know this debt can not be reported by them as they can not prove i owe THEM!  XXXX  told me  Midland Funding Bought this account, but i do n't recall selling it to them.   and since they can not send me a copy of my application, the y need t  o delete this from their files. it is nearing 7 years old, s o it should be removed anyway but i want them to know they have no rights to collect a debt secured by my savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous attempts with obtaining valid information on online disputes, written disputes and telephone disputes have been unfruitful and the information that I have requested, has not been received, I have attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX card. I have asked them to provide me with all methods used to validate/verify this debit, without success. Attempts to verify this account with Experian have been unfruitful. The other two credit bureau 's, XXXX  and XXXX  were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX 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: Prepaid card

XXXX XXXX XXXX  is sending electronic transfer of funds to US Bank and the bank is holding my funds for 48 hours, I know it doesnt take very long at all to send an XXXX This account that the money is coming from is my XXXX XXXX account that is absolutely solvent, the transfer is sent on a Tuesday morning at XXXX XXXX it should be in my bank account the same day
Product: Credit card or prepaid card

The Bank of America despite my repeated written and oral requests failed to supply me with a statement of my card ending in XXXX. Mr. XXXX and Ms. XXXX  XXXX of the XXXX, New Jersey branch repeatedly promised that I would not be charged a late fee. But today the Bank of America informed me that it was charging me {$27.00}! This is patently unfair and illegal! And such bad business practice!
Product: Credit reporting or other personal consumer reports

Company is illegally furnishing fraudulent information to my consumer report. 

Account : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX XXXX
Product: Credit reporting or other personal consumer reports

jefferson capital systems I dont know why its still on my credit because have a XXXX account now so I need this off my credit
Product: Debt collection

I received notice of debt and requested verification. It also said the debt account was opened this year in XXXX. My credit reports have been frozen since XXXX. It says they are original creditors and they are collection agency k
Product: Checking or savings account

Greetings, I'm a XXXX years XXXX XXXX XXXX XXXX XXXX military veteran. I'm also the XXXX, XXXX of Directors for my XXXX. 

I'm filing a complaint against First Citizens for banking errors, security concerns, continuing to give the former property management company access to my XXXX 's bank account, continuing to use the former property manager 's address instead of using my address, sending a cashier 's check to the wrong address despite my clear written instructions, First Citizens sending the cashier 's check to the former property management company instead of contacting me and sending the cashier 's check to me, denying and questioning my fiduciary duties to pay vendors, delaying payment to vendors, biased treatment towards me, harassing First Citizens emails to close account despite documentation to keep account open as long as I need it, etc. 

My fellow board member and I took over the First Citizens ( formerly CIT Bank XXXX XXXX Bank accounts on XX/XX/2023 due to the former property manager 's unauthorized bank transactions and breach of contract. This was documented in many emails with the First Citizens Bank employees. 

First Citizens Bank has on file the notarized and signed XXXX transition form that removed the former property management company and granted only me and my fellow board member sole access to the XXXX accounts. 

In addition to the XXXX transition form, First Citizens oddly requested our XXXX  's meeting minutes and inquired about proof that the former property manager breached the contract. I say this because this is the beginning into the questionable banking practices and biased treatment towards me. 

I will send some attachments of undeniable facts regarding the First Citizens actions and treatment towards me. I have more evidence to provide upon request. 

In the end, I want to be treated fairly and with respect like other banking patrons. I do not understand the actions of these First Citizens employees towards me.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is not mine nor did I authorize anyone to report it to my credit report. It is the TomoCredit Inc credit card account. According to the FCRA 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 also states a consumer reporting agency can not furnish an account without my written instructions. I want the TomoCredit Inc account removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

This is regarding Discover Bank rejected outbound transfers that haven't been returned for 24 days or more. On XXXX XXXX, I scheduled 23 transfers from my Discover Checking to my XXXX XXXX XXXX. Each transfer is in different amount but the total is {$9600.00} ( see attached screenshot of my Discover activities XXXX. I got account suspension notices on XX/XX/XXXX immediately. I called in Discover XXXX XXXX XXXX XXXX the next morning on XX/XX/XXXX and was told suspension due to account name mismatched. This should not happened because Discover has verified my XXXX account with two small deposits on XX/XX/XXXX, as well as two successful transfers completed on XX/XX/XXXX and XX/XX/XXXX. ( see attached screenshot of my XXXX activities XXXX. Anyway, after the call, my account was reactivated on XX/XX/XXXX and those 23 transfers have been updated arrival date to XX/XX/XXXX. However, XXXX has never received them. I made another 3 calls to Discover to figure out and was told by 3 different banking specialists that all my transfers were rejected and will be back to Discover checking in 2 to 3 days. I also sent secure message via Discover online portal and this agent said Missing Transaction request was escalated on XX/XX/XXXX, asking me to wait 2 to 3 days again. However until today XX/XX/XXXX, I still don't receive my money! Neither have I received any emails regarding how they resolve the problem or escalate. No updated status of the funds. I am losing patience and don't trust Discover any more so I have to file this claim.
Product: Credit reporting or other personal consumer reports

I have emailed Tomocredit.com several times regarding them not reporting on my credit report. No response from the company. Also, pay back everyone they have defrauded.

I've paid over {$100.00} to this company
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I request that all accounts and inquiries associated with this breach be blocked and removed from my credit file. 
Please take immediate action to block the following accounts : Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX. XXXXXXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$15.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$4200.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2400.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$4100.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$860.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX You are In Direct Violation of the fair credit reporting ACT-XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment a car loan account and open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws the fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am having an issue with all 3 credit bureaus NOT investigating my accounts. Even if I send certified they may not even respond. I sent VERY SPECIFIC letters to the credit bureaus and they have not responded to ANY OF MY REQUESTS. No updates no letters no mail no anything. Please MAKE them investigate so that I can move forward with my life. I will include the letters I sent ... thank you!
Product: Vehicle loan or lease

On XX/XX/2023 I the the consumer natural person initiated an consumer credit transaction with Bank of America for {$70000.00} for a car loan was denied credit. As a credit worthy applicant applying in good faith 12 CFR 1002.7, I believe there is a misunderstanding of my rights and the laws governing Consumer credit transactions. No creditor shall deny a consumer 's credit extension, and I have incurred damages stated in attached affidavit due to this decision.
Product: Debt collection

Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal. 

I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for {$130.00} for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed. 

Once again : Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX 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 a account without my written instructions.
Product: Mortgage

Financial Triangle loan officer and manager XXXX XXXX is marketing loan program in California, she is not even licensed in California. I attach her flyer. This is illegal. I called Financial Triangle, they just ignored. Financial Triangle and XXXX XXXX mortgage license shall be revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On as man y as 10 o ccasions over the past year and as recently as  XXXX  of  2017, I h ave submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX   XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforcable under FL Statute  516 of the Consumer Finance Act. I have rep eatedly demanded validation of this debt and evidence of legal license from the creditor only to be told that the debt has been sold and verification is not provided. In  XXXX     2017 fo llowing the closing of my dispute with  XXXX  as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX   XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then blocked my phone number and email preventing continued communications, sending me a letter shortly after attempting to extort {$280.00} to settle the alleged account.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repor ts hostage to  extort money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as the creditor themselves has refused verification and a simple check of the online   XXXX   XXXX   XXXX   XXXX   XXXX    l icense database shows that they do not possess a loan origination or collection license, therefore making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX       Statute 5 16 of the Florida Consumer Finance Act  clearly states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX   XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, information that can not be verified or is found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.