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

Bridgecrest has failed to furnish evidence that their reporting mechanism is not defaulted or there is no default in their reporting mechanism. 


BRIDGECREST XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2023 ACCOUNT XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXX XXXX. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XXXX XX/XX/scrub>/2024. Accounts : XXXX XXXX XXXX, XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX.
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX regarding unsubstantiated collection attempts tied to an alleged debt with account numbers XXXX, which they claim to have acquired from XXXX XXXXXXXX XXXX  XXXX Additionally, this complaint includes Klima, Peters, & Daly PA, a separate collection agency involved in these attempts. Despite repeated requests, neither XXXX XXXX XXXX nor Klima, Peters, & Daly PA, or previous collectors have provided documentation to substantiate their claim or verify the alleged debts legitimacy or validity.

For clarity, I have not acknowledged the existence, accuracy, or validity of this alleged debt and expressly deny any liability for it. I have, however, requested that these agencies provide : Documentation demonstrating Velocity Investments LLCs or Klima, Peters, & Daly PAs claimed ownership of the alleged debt ; A copy of any original agreement with XXXX XXXX XXXX purportedly associated with this alleged debt, which would demonstrate any obligations claimed ; and A verification of the amount they claim is owed, including a full breakdown of any fees, interest, or penalties allegedly accrued. 

Despite these legally valid and reasonable requests, no such documentation has been provided by either XXXX XXXX XXXX or Klima, Peters , & Daly PA. This failure to provide verification violates the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( XXXX ), both of which require debt collectors to validate a debt upon the consumers request. 

I further assert that these repeated collection attempts, absent substantiation, constitute harassment and misrepresentation, resulting in unnecessary distress and confusion. Without clear documentation, I am unable to confirm or assess the legitimacy of the alleged debt, and it remains, in my view, unsubstantiated. 

I respectfully request that the CFPB investigate this matter to ensure that all debt collection practices by XXXX XXXX XXXX and Klima, Peters, & Daly PA comply with federal laws. I further request that these agencies cease all collection activities concerning this alleged debt until they provide the requested documentation verifying its existence, ownership, and validity. 

Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days.

As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Product: Payday loan, title loan, or personal loan

Almost one year ago, I got a {$300.00} loan from rapid auto loan. I sm paying {$150.00}. XXXX per month, but being on a fixed income, I have to get extensions. When I call, all they give are 5 day extensions, then threaten repossession. I have explained to them that all I get are my late husband 's disability check and I have rent and bills to pay. They don't want to hear it, even though I have asked for the payment date to be changed or possibly reduced, all I hear is that they can't do it.
Product: Credit card or prepaid card

On XX/XX/2019 I paid off 3 credit cards from Capital one, in full they keep trying to charge me interest on these 3 cards even though 2 off the cards I got checks back on for rewards points one card claims I owe .XXXX cents another one claims I owe XXXX and another one claims I owe XXXX this bank is charging me for bills I paid off in full if I don't pay them they will charge me XXXX  late fee on each card even though I don't owe them any money.
Product: Credit card or prepaid card

i have a credit card reporting on my credit. i was old it was a authorized user but its an actual credit card. I was told that this was authorized user its a fraudent account open it must be deleted. now they reported me 30 days late. XXXX deleted but XXXX  always likes to ignore and destroy your life. please delete this from my credit now
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Truist Bank regarding an issue I raised, without ever receiving a response to my inquiry. 

Please see the attached PDF file containing all relevant documents and evidence.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Debt collection

Sunrise credit agency has sent me documents stating that my deceased aunt owed them money, has sent letters ( that do not explain who they are collecting on behalf of ) to her last known mailing address and spoken with me as of today, after explaining who I am ( without giving any personal information ) they said they can not discuss the matter with me ( I then stated how they illegally obtained my phone number, they said it wasn't illegal and that my phone number was " just there '' ). I advised them to send documentation to her last making address with details/proof of the agency they are collecting on behalf of, getting them to confirm that by law they are required to do so. Then they hung up on me.
Product: Payday loan, title loan, personal loan, or advance loan

They star taking out XXXX evry XXXX days sometimes different times week for year oh more and I never get any advance I don't get nothing from them. I try to talk to them and block my account. I don't know if them going to refund what they take from my bank account the company is fraudulent don't do anything about the loans they said you will get it
Product: Debt collection

I had several Data Breaches through XXXX XXXXXXXX, XXXX, XXXX, And XXXX that I know of so Far. I just found out by pulling my credit and saw my score dropped over XXXX XXXX 's. I requested information also through XXXX XXXX and they never sent me any notification which was court ordered as well as they raised credit limits without letting me know.
Product: Credit reporting or other personal consumer reports

I was made aware a Self Credit account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.
Product: Checking or savings account

XX/XX/2022- used the online portal to close account as directed by the service. When through the process of verifying my account to close it, then was told that Citi had placed my account as inactive - it has {$10000.00} in it as of XX/XX/2022. They said funds would be delayed 10-15days since they would send the check by mail and I said that was fine. 

Because the account is inactive, I can not close the account or access my funds. I asked how I activate my account- I was on chat for almost an hour then tried by phone for with Citi, and both said the same thing : the only way to re-activate the account is through a mail with my account number in the file. I expressed heavy concerns that I both could not track the status of this request and did not trust the security of sending this. I was told that the only way to access the account would be with this. I asked if a deposit into the account would reactivate it and they said it would not. I did not receive letters saying the account was inactive nor warning me of this. So far, I have taken off half a day of work with no resolution in getting my funds from my 'Accelerate Savings ; ( high interest savings ) Account. 

I expressed heavy concern that I would not be able to track the status of my request moving along nor that I would know if the mail was successful and that this would cause unnecessary delays in accessing my funds.
Product: Money transfer, virtual currency, or money service

My PayPal account associated with the email XXXX is limited permanently without any valid reason and they also put my balance in negative.
Product: Consumer Loan

I am one payment behind and spoke with a representive who informed me that Avant will continue to call. This company calls every hour on the hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have filed mutiple complaints against Equifax for not reporting XXXX XXXX loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX  Mortgage resubmit the account information and XXXX  did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax XXXX time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX  to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX  if Equifax would return call or reply to emails from XXXX  this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a XXXX on XXXX XXXX for XXXX using XXXX through my us bank app. As soon as it went through, on the seller deactivated his XXXX, and vanished. He never sent me the product, so I appealed to my bank on XX/XX/XXXX, who waited two weeks to tell me they couldn't do anything. I was not mass aware they were a sperate company until I called XXXX XXXX, I thought XXXX was the name of a program us bank had.
Product: Checking or savings account

Citizens Bank for about 20 years charged my late husband and me {$17.00} fee/mo. on our checking account. Since we were automatic deposit clients -- my husband 's monthly check from his place of work was automatically deposit to our checking account each month -- no fee should have been charged. 
This summer I emailed on XX/XX/2023 and phoned in complaints to Citizens Bank branch in XXXX RI. Citizens was unwillling to reimburse me beyond 4 monthly fees, but they actually owe me over {$16000.00} for about 20 years of monthly charges for a fee when they shouldn't have.
Product: Credit reporting or other personal consumer reports

XXXX now is servicing my loans. I have significant discrepancies with the reporting of my credit report late payments from previous servicing agent XXXX. 

As per federal law and the FDCPA, regulation under the following XXXX XXXX. XXXX et XXXX. XXXX, you are not allowed to propagate misleading information. Currently XXXX ( previously XXXX ) is knowingly making false and misleading statements about my student loan debt. 

My Equifax credit report has a number of late payments 90/120/150/180 days late. Based on the Forbearance and Deferment history and records from XXXX these can not be correct as they are reported. These late dates are not correct. Please answer the following questions. 

See the list below and attached credit report late payments and XXXX account history. 
XXXX Late payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XXXX XX/XX/XXXX XXXX. How can XXXX be 90 days late if the forbearance ended in XXXX? 
a. How can XXXX be 120 days late if the Forbearance ended in XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XXXX XX/XX/XXXX XXXX XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XX/XX/XXXX late XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XXXX be 90 days late if the forbearance ended in XX/XX/XXXX? 
a. Would the first 90 day late report be XX/XX/XXXX? 
b. How can XXXX be 180 days late if the Forbearance ended in XXXX XX/XX/XXXX? 
c. How long was the XXXX XX/XX/XXXX XXXX when it ended in XX/XX/XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 90 days late if the forbearance ended XXXX XX/XX/XXXX? 
a. Would the first 90 day late report be XX/XX/XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XXXX XXXX XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 120 days late if the forbearance ended in XXXX XX/XX/XXXX? 
a. How long was the Forbearance that ended XXXX? Did it cover XX/XX/XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XXXX XX/XX/XXXX XXXX XXXX late XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 90 days late if the forbearance ended in XXXX XX/XX/XXXX? 
a. The first 90 day late payment would be XX/XX/XXXX? 
b. How long was the Forbearance that ended XXXX XX/XX/XXXX? Did it cover XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX 


XX/XX/XXXX payment XXXX XXXX XX/XX/XXXX {$9.00} Unauthorized charges credited. {$9.00} late fee charged bringing the account to {$20.00}. 

XXXX credit- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$9.00} XXXX Charged me a late fee on unauthorized charges that were credited back to me. In addition, I was reported late to the credit bureau, the unauthorized charge of {$9.00} caused the account to have a balance. After the credits were reimbursed as unauthorized, the late fee still remained on the account causing it to show as late. Had the unauthorized charge never been charged to this account no late fee would have applied. The {$50.00} was a membership fee charged XXXX, that was due in XXXX. Payment made XX/XX/XXXX.