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

My account with XXXX was never late! I have had exceptional payment history with 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 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: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, First and foremost I would like to thank you guys for removing this XXXX XXXXXXXX account off of my report due to Identity Theft.. However I have just received Another letter from XXXX and Transuion and I am a bit confused. The first letter you guys sent was just a generic letter and you Guys totally disregarded my letter stating this identity theft matter. Over 2 months I go I sent off a letter asking XXXX XXXX XXXX XXXX for special details about this account and for them to validate this.. Still till this day, They have not been able to validate this debt nor is the information accurate.. Almost 2 months ago I put together the ONLY information needed for a block and delete According to 15 U.S. Code 1681c2.. I sent in all the documents that was needed.. And they have still not been able to comply with FCRA guidelines.. I have also requested a copy of a signed contract with my wet signature giving them authorization to report this I have also requested a copy of the form signed by myself giving me an option to opt out of this reporting factor.. I am also STILL requesting form SSA 827 that XXXX XXXX on the day of XX/XX/XXXX told me that I had signed I would also like a recording of that call as well because it will prove that the dates on this account is totally inaccurate and balances and this is illegal according to FCRA guidelines.. FCRA also states that a company haves 30 days to validate this debt. They have failed to validate this debt.. Failed to comply by FCRA Guidelines.. Failed to provide all information requested.. I provided every single documents needed from section A ) of 15 U.S. Code 1681c2 .. Also XXXX XXXX XXXX XXXX Stated that I need a Police Report.. That is not needed according to 15 U.S. Code 1681c2. These people are making up their own rules.. 15 U.S. Code 1681c2 rules will always trump the company Rules.. I am asking that this be blocked and deleted.. They have failed to comply with the consumer law and surpassed the time allowed to validate and still have not been successful with validating this debt. 15 U.S. Code 1681c2 States 4 Days with all information provided from section A and I have provided everything needed. Please block and delete this totally goes against the consumer law and is illegal
Product: Money transfer, virtual currency, or money service

As a Coinbase customer for over a decade, I have done countless transactions with the company, however, last year they decided to restrict my ability to withdraw funds, only allowing me to make deposits. In addition, my Coinbase wallet was also rendered useless. 

In XX/XX/XXXX, my attorney sent a letter to Coinbase 's legal department explaining how I faced improper restrictions on my account, preventing me from transferring my crypto assets despite being a loyal customer since XXXX. Coinbase placed a " withdrawal hold '' on XX/XX/XXXX, extending the holding period to 30 business days and further restricting monthly withdrawals. Despite my full compliance with all verification processes and having no suspicious activity on my account, Coinbase has continually failed to provide any explanation or resolve the issue. After multiple unsuccessful attempts to resolve the matter through Coinbase support ( Case # XXXX ), my attorney demanded that the restrictions be lifted within two weeks, or legal action and arbitration would follow. 

It has been over 7 months and Coinbase has continually ignored our attempts to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. 

The Metro 2 Five points of compliance clearly states the following ... 

**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.
Product: Checking or savings account

Wells Fargo Fraudulently put Fees on my account and deducted Fees, also froze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Bankruptcy : XXXX XXXX Reference number : XXXX XXXX XXXX  XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} Original Creditor XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. In the results of your XXXX  investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calling me 5 or 6 times a day. Leaving voicemails. Even asking them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent documents to Experian and XXXX via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling XXXX after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. Experian claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for XXXX stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.
Product: Credit reporting or other personal consumer reports

Someone is using my information they have XXXX inquiries on my credit report in few days that i did not do or nor do i know anything out it i need dem removed
Product: Vehicle loan or lease

I was willingly and knowingly taken advantage of as the other party I was involved in a contract with violated several Federal laws.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

Failure to verify reported information and in a timely 30 day manner.

Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for you to provide a detailed explanation of the methods used to verify the accuracy of certain items on my credit report.

As you are aware, federal law requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. I am requesting that you provide the following for each item in question : 1. A clear description of the investigation process you followed.

2. The name, address, and contact information of each entity you contacted to verify the information.

3. Copies of any documentation provided by those entities that you relied upon to validate the reported items.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15
U.S.C. 1692g, I formally request validation and verification of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I request proof of your permissible purpose for reporting this account to the credit bureaus.

To validate this debt, please provide the following documents : 1. Proof of Debt A complete itemized statement of the alleged debt, including the original contract with my signature, demonstrating my obligation to pay.

2. Assignment of Contract Legal documentation proving your authority to collect this debt, including a full chain of title from the original creditor to your company.

3. 1099-C Cancellation of Debt If this debt has been discharged or written off, I request a copy of IRS Form 1099-C.

4. Permissible Purpose Written evidence under 15 U.S.C. 1681b ( a ) that you have a legal right to access and report this account on my credit file.

5. Verification Process A detailed explanation of the procedures used to verify this debt, per my rights under 15 U.S.C. 1681i ( a ) ( 7 ).

If you are unable to provide this information, you are required by law to delete the unverifiable accounts immediately under FCRA guidelines. Failure to comply with this request may result in legal action being pursued to enforce my rights.

I expect a full response within the legally mandated 30 days from the date you receive this letter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime
Product: Debt collection

This is my second complaint against National Credit Adjusters ( NCA ) collection agency. They have been reporting inaccurate information for two collection accounts on all three of my credit reports for over two years. Both of the original creditors have agreed to remove the accounts from my credit reports and recommended that NCA do the same. However, as of today, both collection accounts are still reporting inaccurate information. When I was contacted by NCA about the first account ( RSVP loans ) in XXXX, I immediately started a payment arrangement. A few months later the representative that I was working with ( I believe her name was XXXX ) called to tell me they had another account in their office ( Rise loans ). She assured me that as long as I paid my payments on time neither would report to the credit reporting agencies. To my dismay, both were reported to the credit reporting agencies after the payment arrangements were paid off. 
I filed a complaint almost two years ago in XX/XX/XXXX and the NCA response stated that they would not remove anything from my credit reports if I had questions I could call the director of operations ( XXXX XXXX ) for any additional questions. I immediately called and left several messages with no return phone calls from XXXX XXXX. Instead I received a phone call from a NCA representative who repeated that they do not set up pay for deletion agreements. This is false. I have been trying to purchase a home for the last two years and haven't been able to because of these two collection accounts that are scheduled to stain my report for another 5 years minimum. I want NCA to research my account to see that agreements were made, the information that is being reported is in accurate and fix this by no longer updating this account that was supposed to be removed almost two years ago.
Product: Credit reporting or other personal consumer reports

I asked the debt collection agency for a debt validation letter. A copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, and the date of the last payment and whether the debt is past the statue of limitations. They had called me in the beginning of this year and i asked for that stuff on the phone and I also only told them to contact me through mail and never via phone again, and I have never received the debt validation letter or a follow up from them since the beginning of this year.
Product: Mortgage

Bank of America broke the rules. 

When Bank of America failed to resolve all pending escalation cases, in fact and actuality, prior to sale the bank, the servicer, and the trustee intentionally ignored applicable and relevant law directing all escalated cases be resolved before beginning or continuing with foreclosure processes including, but not limited to, recoding foreclosure documents and the sale of real property. Just to be clear, appeals and CFPB complaints are defined as escalated cases, and there were many escaped cases pending on and before the sale date of XX/XX/XXXX. 

When Bank of America responds to escalated cases using their previous responses to prior escalated cases as enclosures and exhibits, they are not resolving the matter, offering proof, or supporting their position or facts related to the expressed concerns which may have been created by the issuance of prior correspondence in the first place. Such responses and offered resolutions ( if they may be referred to as such ) only provide documentation of a lack of knowledge of the applicable rules of law governing loss mitigation processes and escalated cases. For example, when Bank of America represents to me there have been responses provided on all appeals requested without providing the corresponding Appeal Report, and representing receipt of multiple requests for mortgage assistance ( RMAs ) without providing the complete RMA application packages, Bank of America is not providing exhibits or supporting documentation, but are merely asserting their belief the matter has been responded to and, in their opinion, resolved. Just to be clear, concerns put forth in escalated cases are not resolved until the bank, the servicer, or the trustee prove up by offering up the actual documentation in the form of the documents referenced or the documents created as a result of the referenced documents. This has not been done to date in this instance. 

While Bank of America has responded to escalated cases related to this account and real property, Bank of America has not resolved them. By failing to comply with all applicable rules of law prior to the sale of my home and property, Bank of America has made the choice to intentionally defraud me of my home and property and any bona fide purchaser ( BFP ) of the same. Even if Bank of America did and does not realize the impact of their transgressions, harm, and injury resulting in loss and damages, the damage has been done all the same. Just to be clear, Bank of America may undo most of the damages resulting from their premature start of the foreclosure process in this instance as it is not too late to reverse the documents recorded on and after XX/XX/XXXX related to this account and real property by causing the recording of Rescissions of those documents. 

All previously mentioned resolutions are desired and mandatory as stated within prior CFPB complaints.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a constant battle with Experian Credit Bureau for the last year and a half. They have ignore my request to dispute fraudulent accounts manufactured in my name, and they have never sent me any information about them investigation my concerns. They are the only credit bureau reporting this inaccurate information, and what sucks is they are used the most by creditors for financing. 

Fraudulent Accounts XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX
Product: Debt collection

Portfolio recovery never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. Portfolio has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and won't help me get it back or even let me withdraw my money. I don't know if this is a bug, because I suppose it should be. I work as a XXXX  on XXXX and I use paypal as the payment method I send my money to. Suddenly I found out that my money of about {$7000.00} is limited and I can't withdraw it, money I have worked for about 3 years. I hope you can really help me solve this problem I will leave my ID that is associated with Paypal in the documents section. This is the email associated with Paypal XXXX XXXX