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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e 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. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
XXXX - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for NEU Money. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting or other personal consumer reports

Please note that this is my THIRD WRITTEN REQUEST. I have contacted the CREDITORS BELOW and they have no proof that I initiated such inquiries, no written authorization, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS IS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRY you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 
The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? You have not provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRAyou are required to " immediately DELETE all information that can not be verified. '' Please note that a physical letter was also sent regarding this matter, and I have not yet received a response. 
The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstm/TD indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.
Product: Debt collection

XXXX XXXX XXXX XXXX. is attempting to damage credit and collect debt purchased from unknown account. This company is not registered with Ohio Secretary of State to collect in Ohio where I live.
Product: Credit reporting or other personal consumer reports

Equifax is allowing false information to be reinserted on my credit file including hard inquiries that were removed and accounts that were removed and have been placed back on there even after providing multiple ftc I'd theft reports and police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX5 USC 1XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.Kohls credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since 2019. I demand this information be removed from my credit profile immediately.
Product: Money transfer, virtual currency, or money service

I sent the following transaction from XXXX, in the amount of XXXX LTC ( worth {$650.00} USD ), to XXXX on XXXX XXXX, XXXX. 

Completed XXXX XXXX LTC XXXX Address : XXXX Txid : XXXX Then I received the following email from XXXX. 

Your Litecoin deposit of XXXX LTC ( worth {$650.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team And then this email. 

Congratulations! You have successfully sent XXXX XXXX ( worth {$650.00} USD ) to XXXX  using Coinbase. 
This withdrawal is being sent to an address ( " XXXX '' ) that you have n't previously used. 

View this transaction https : XXXX I have no funds on either my Coinbase account or my XXXX account even tho it shows it was completed and sent to XXXX Exchange . 

I have called both Coinbase and XXXX customer support and I have multiple tickets open. I have attempted to reach them on twitter and reddit and email. This is now the 10th day in which I am unable to access my funds.
Product: Debt collection

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identity Theft I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

XXXX. ) XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft ( XXXX XXXX : ) Account : XXXX This is not mine.
Product: Checking or savings account

Hi, I have had an account with Bank of America since XXXX. After I filed my tax return with XXXX and paid the required federal tax payment to the XXXX through my Bank of America account, I had 3 consecutive fraudulent charges on my Bank of America account on XX/XX/XXXX, for {$100000.00}, then {$60000.00}, then {$25000.00}. Since my account had less than {$60000.00} in it, the only charge that went through was for {$25000.00}. Throughout this time, Bank of America did not notify me once, not for the fact that my account was severely overdrawn, not that these payments were happening, nothing. I contacted Bank of America XXXX ( XX/XX/XXXX ) and was told that it would take XXXXORTY-FIVE days to resolve and decide if this was fraud and that they couldn't do anything on my account in the meantime and also would not send me a message regarding that our conversation had even taken place. I find this ludicrous and 45 days is simply insufficient for regular bill payment to take place. I am very dissatisfied with how Bank of America has handled this.
Product: Credit card or prepaid card

On XX/XX/2022, I called Citi 's stolen/lost credit card number to report several fraudulent charges against my account. At the time, I had provided a police report that confirmed the card was stolen from the mail, activated, and used by the fraudster. This police report details the arrest of the perpetrator, including documented evidence of this card in their possession. Despite this overwhelming evidence, Citi refuses to dismiss {$120.00} in fraudulent charges, and insists that information provided by the merchant that doesn't match my information stands as substantial evidence.
Product: Checking or savings account

I mobile deposit a company paycheck on XX/XX/22 and my bank placed it on extended hold for no reason it will clear its a paycheck from my job Im working at I been without money for 4 weeks and I need my money my phone bill is overdue now it shouldnt take 4 weeks to verify a paycheck they told me I would get it on XX/XX/22 at XXXX and now Im going to get it XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute contesting the validity of the bankruptcy being reported on my Credit Report. I have challenged the accuracy of the reporting that it is inaccurate, which it is, and to have it removed from my report.
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 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 XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX - XXXX XXXX. XXXX  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 XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains 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 others bureaus I don't 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 I 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

To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively.

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation.

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter.

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a letter by certified mail to TransUnion & XXXX with a copy of my social security card, driver 's license & a utility bill proving to them that they have been incorrectly reporting my personal information. Also, there are incorrect phone numbers listed as well. The U.S. Postal Service showed that the mail was delivered and received by TransUnion & XXXX since it was sent by certified mail. TransUnion is reporting my name as XXXX XXXX. However, my social security card & driver 's license reports my name as XXXX XXXX XXXX. TransUnion is violating my rights. This is my only name so it should only be reported as XXXX XXXX XXXX. Also, my only phone number is XXXX. TransUnion is reporting XXXX. TransUnion is violating my rights since they are reporting incorrect information. XXXX is also reporting my name as XXXX XXXX and XXXX XXXX XXXX. They are violating my rights since they are incorrectly reporting my personal information. I have only one name which is XXXX XXXX XXXX. XXXX is also reporting incorrect phone numbers. I only have one phone number which is XXXX. XXXX is reporting XXXX & XXXX. It has been 30 days and I have not received a response from either Credit Reporting Agency, so this is another violation.
Product: Mortgage

XX/XX/XXXX DETERMINATION IS REALLY BY THE USDJ AS THE USDJ STIPULATED A SETTLEMENT TO BOFA. I MET THE CRITERIA. 

USDJ NFP 57064, DOJ AP 2016 00437 BOFA NEEDS TO CONSULT WITH THE USDJ ON THE FINAL DISPOSITION OF PENDING MORTGAGE CLOSURE, AS A SETTLEMENT IS A SETTLEMENT, PENDING UNTIL CLOSED OUT AS BELIEVED. ( {$350000.00} HAS BEEN PAID OUT IN REAL DOLLARS TO BOFA SINCE XXXX, UNDER A DIFFERENT MORTGAGE NUMBER INITIALLY FROM XXXX ). USDJ/FBI FILES EXIST. 
BOFA SOLD XXXX XXXX XXXX, THEREBY, SHOULD NOT DOUBLE DIP, AS HOUSE IS WORTH MORE THAN SETTLEMENT FIGURE NOW. ( THIS IS AFTER FAMILY PROTECTION TRUST PAID OUT A CONSERVATIVE FIGURE OF {$350000.00} IN REAL DOLLARS. 

Bank of America needs to concentrate on BofA USDJ Settlement disposition on XXXX, XXXX XXXX XXXX, XXXX, CA. 

Settlement appears to be still open. 

After approximately {$350000.00} in real dollars has been paid to BofA, the Settlement was presentedI accepted the criteria. 

I believe Bank of America should NOT take advantage of seniors. ( Elderlaw ) and double dip. 

CAN A REQUEST BE MADE TO BANK OF AMERICA, TO CONTACT THE USDJ, AND RENEGOTIATE WHAT BOFA SETTLEMENT SHOULD BE AT THIS POINT. THE USDJ KNOWS THE DETAILS AND SPECIFICS OF THE BOFA USDJ SETTLEMENT. 

PLEASE ASK BOFA XXXX XXXX TO CONTACT THE USDJ FOR SETTLEMENT DISPOSITION NOW. REFERENCE CONVENIENCE, THE USDJ/BOFA LETTER WILL BE ATTACHED TO THIS CFPB SUBMITTAL. THANK YOU.
Product: Debt collection

The company is XXXX XXXX  XXXX XXXX and they are sueing for XXXX for an apartment that was not 100 % satisfactory apon move in than the complex refused to fix problems just weeks after moving in and gave a notice to vacate and refused to take rent so I moved out took pictures and kept all correspondence via email and letter. I returned the key they oved someone else in within week afer I left and now they are attempting to sue me for fees. No damages or any other issues just fees.I have recored conversations and pictures as well as proof the complex never sent me by ceritied mail a letter for any delays in repairs as they should have if they could not do the necessary repairs in a timely manner.
Product: Credit reporting or other personal consumer reports

Previously contested Completed XX/XX/2023 I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Debt collection

I do not have a contract with Midland Foundation LLC and they did not provide me the original contract as I requested
Product: Student loan

I have become XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran Amd unemployable. My rating is 80 %, but as stated above permanent and total which pays Amd qualifies me as 100 % because I am unemployable. My other private school loans honored this ( XXXX XXXX ) Amd discharged my loan. Aes told me to apply multiple times Amd denied as they said I was only 80 %. They should be following the same guidelines and they do discharge for XXXX XXXX XXXX XXXX XXXX veterans which I am. Then I applied per them multiple times for forbearance. First time they denied me as they said I did not check the correct boxes, but did as the rep told me. So then resubmitted and they said I was more than 69 days past due Amd would have to bring current to 60 days to be approved. If I wasnt struggling g financially why would I need a forbearance?
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Accounts XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account 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 wrritten instructions.
Product: Vehicle loan or lease

I was financing a car from a company called Drivewayfinance corporation. This was XX/XX/XXXX. I was making my payments on time for my car. The car got hit by a driver and it became a total loss which was XX/XX/XXXX. The total damage was more than XXXX. XXXX the maker of the vehicle deemed the car was unfit to be driven or fixed. The insurance company XXXX paid Driveway the XXXX in total damage. After that the company said, I owe XXXXXXXX XXXX because the car was XXXX XXXX. I told them I had lost my job due to the car accident and I couldnt afford that bill. I also, stated that the car company shouldve paid off all of the balance instead of some. So I still have this car debt on my insurance and I am still unemployed due to the car accident and other medical expenses that was caused by the accident. I think that isnt unfair driveway still has the debt on my account and XXXX had paid them for the car loss.
Product: Credit reporting or other personal consumer reports

Held : the District Judge erred in refusing petitioner 's demand for a trial by jury of the factual issues related to the question whether there had been a breach of contract or a trademark infringement, and the Court of Appeals should have corrected that error by granting the petition for mandamus. Pp. 369 U. S. 470-480.

Dairy Queen , Inc. v. Wood, 369 U.S. 469 ( 1962 ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) Writ of Mandamus Case 2:23-cv-01923-CDS-MDC Document 28-6 Filed 01/24/24 Page 1 of 18