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 a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 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 FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 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 XXXX  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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/XXXX claim # XXXX requesting to be sent verification of debt for : XXXX XXXX  XX/XX/XXXX, XXXX XXXX  {$50.00} & {$300.00}, XXXX XXXX XXXX XXXX {$260.00}. I received confirmation that the debt was verified well beyond 30 days later XX/XX/XXXX, but no results were sent to me.
Product: Prepaid card

I am a victim of card fraud, I have filed the case ( XXXX XXXX XXXXXXXX ) since XX/XX/2024 its passed the required 90 days I have submitted the required documents to XXXX XXXX XXXX XXXX XXXX XXXXXXXX the required documents are front and back of ID, receipt, utility bill and colored ID, yet they keep requesting every now and then. Each time I submit it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I get confirmation Requested documents are attached to this case I want my card send via XXXX and I want the mailing tracking number provided, this case has passed 90 days
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

I contacted Bluebird Amex prepaid credit card company numerous times. My card has expired and I merely need a new replacement card with an updated expiry date. The one I have currently expired on XX/XX/2021 They keep giving me the run around. Today I called and they said that the address they have on file is not valid. I have lived at the same address which they have on file for nearly XXXX years! This is such a stupid issue & I just don't understand the gameplay. I have money on the card and can not use it because of the expiry issue.
Product: Credit reporting or other personal consumer reports

My past payment record doesn't align with these late payments.
Product: Debt collection

I am facing financial harassment and severe damage to my credit due to actions by the debt XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. 

It's important to note that federal laws, including the XXXX  with XXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. 

The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. 

For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint like all the others with a LIE and they know it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by Transunion, XXXX, and XXXX. Transunion, XXXX, XXXX are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. Transunion, XXXX and XXXX has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( Transunion ) XXXX/XXXX  - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX  - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( Transunion ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( Transunion XXXX XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.
Product: Debt collection

I was sued by automobile Acceptance Corporation and they were represented by XXXX XXXX XXXX XXXX XXXX  XXXX. 
They garnished my wages for over a year until the balance was paid. Years later it is still showing on my credit as having a balance. XXXX XXXX XXXX and XXXX was closed down in 2015 and they were sued by the federal government for collecting debts from civilians that was not owed and I am sure that I am one of them. I want the balance to be removed from my credit report and I also want any money returned to me that was not owed or demanded in the original court document. I have not been contacted by the plaintiffs or by this law firm since the garnishment stopped.
Product: Vehicle loan or lease

On XX/XX/2024 my car was taken from my friend 's apartment community by XXXX XXXX XXXX. On XX/XX/2024 I called Westlake Financial to get instructions on how to get my car back. I followed those instructions on the same day by paying {$940.00} via XXXX XXXX XXXX. I also paid {$15.00} to the XXXX XXXX 's station for a Repo receipt. On XX/XX/2024 I confirmed with Westlake Financial that my payment had been received. On XX/XX/2024 I confirmed that the finance company sent a release paperwork for my vehicle to XXXX XXXX XXXX. I called to make arrangement to pick up my car and XXXX XXXX refused to release my car and told me I had to wait until XX/XX/2024 to pick up my car despite my financial hardship. On XX/XX/2024 XXXX XXXX XXXX called me and advised me that they canceled my appointment to pick up the vehicle and I would have to make arrangements with the finance company. Since XX/XX/2024 I have made several calls and sent a few emails to Westlake Financial in order to resolve this issue and to get my car back. On XX/XX/2024 I spoke to a Detective at the XXXX XXXX Police station and he told me that this is bad business and it's the responsibility of the finance company to make XXXX XXXX XXXX release the vehicle. As of today XX/XX/2024 at XXXX XXXX, there's still no resolution from Westlake Financial. I have left 3 messages for a supervisor and no one has called me back. The last time I called today the representative said he had no information as to when this will be resolved. This is day number 5 without access to a vehicle that I paid for.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name :XX/XX/ Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Transunion. I called to dispute my personnel information. Not only did the rep. XXXX XXXX place me on hold for 15 minutes. He comes back to inform me he can access my report due to incorrect name place on my credit report. I have a fraud alert on my reports for five year. During this time i have not used my credit for any purchases ' am opt-out of promotional advertising. Yet, Transunion is pulling my credit report or reviewing my credit reports without my consent monthly. Prior to todays call i sent over my California Drivers license as proof of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX closed the account they had in my name, but Equifax and XXXX are still reporting it on my consumer report I need both companies to delete immediately. See invoice attached from the company for proof of deletion from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the group effected by the XXXX  breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX and XXXX XXXX. The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2015 XXXX XXXX XXXX entered me into a contract without my knowledge or council for a undisclosed amount as of right now the damages are XXXX continuing XXXX monthly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX frauded money out of me via XXXX I was not told anything about it, to send money to people that are over here he says that he is in the army, XXXX XXXX is supposed to in the army too I sent money to XXXX XXXX from CA and XXXX XXXX XXXX XXXX CA I have both of there numbers one works the other does not. There are alot more names.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, 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: Money transfer, virtual currency, or money service

XXXX XX/XX/2024, I looked up for Coinbase contact information to report issues with my account. I found the link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is public and should be known to Coinbase. A XXXX XXXX, who claimed to be from Coinbase Technical support answered. He gave his name as XXXX XXXX and his direct number as XXXX. He got me to download XXXX, for him to remote into my computer. XXXX generated a login ID XXXX XXXX XXXX for me and a new password for every session for several days of contact with XXXX XXXX. I had to log in to XXXX and give him the new password for each session for him to gain remote access. 

XXXX XXXX moved funds from my account to a Bitcoin wallet and gave me the wallet address, which I still have and Coinbase does too. On the morning of XX/XX/2024, I called Coinbase on another number only to discover that it was all a scam as the initial number and XXXX XXXX were not affiliated with Coinbase. 

Coinbase promised to " escallate '' the incident. Several days later, I received email from Coinbase to the effect that they were going to close the incident because they had not heard from me. I responded that I had been waiting for the findings of Coinbase 's investigation, given that Coinbase had control over the wallet and my account as of the time I filed a report with Coinbase on XXXX XXXX I still have not received a reply from Coinbase.
Product: Mortgage

Closed loan in XX/XX/XXXX paid first payment in XX/XX/XXXX by check XXXX paid online XXXX tried to pay online and site did not allow me to so called on the XXXX of the month no answer called on the XXXX of XXXX and still no answer so had a business trip to XXXX XXXX, California and i sent a payment priority mail on the XXXX all along i was trying to reach out and never an answer so they are located in XXXX, Calif. so i decided to drive on the XXXX of XXXX arrived at CASTLE MORTGAGE CORP. dba EXCELERTE CAPITAL and offices had been abandoned, payment have not cleared and phones stay busy..