23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collection is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I was very confused as this account has been paid for a very long time. However, Mountain Land Collections continues to report a balance. I ask that you delete this account from my credit file. I will also make you aware that reporting inaccurate information on credit could constitute fraud under both federal and state law. I ask that you provide me with a deletion letter as this account is reporting erroneously and this debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in Equitfax, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from Equifax and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. XXXX needs to remove XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau was notified about incorrect information on XXXX XXXX 's credit report on XX/XX/2018 as well as XX/XX/2018. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both Experian and XX/XX/XXXX These negative items with pending deletion requests still remain as of XX/XX/2018. Deletion requests forwarded to the credit bureaus on XX/XX/2018 according to the collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to you requesting an investigation into some things my credit report that I believed were suspicious. I have yet to obtain a response from you or any indication that an investigation has started. My reasons for disputing the details were stated in my letter. I will re-enclosed it again and I'd appreciate it if you could respond within a fair amount of time in compliance to FCRA section 606 ( b ) that you must comply within 30 days upon receiving my letter.
Product: Debt collection

According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of XXXX. I preface this to say the company Torres Credit Services , Inc has been illegally reporting an alleged debt on my credit profile without an XXXX  Collection Agency License. The day this company started attempting to collect was XX/XX/2022 and the amount of the alleged debt is XXXX . I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.
Product: Vehicle loan or lease

In XXXX of 2022 a cease & desist was put on communication for my account. They told me it could be as simple as saying these calls annoy me. But, they did not disclose what was actually said to initiate said XXXX & XXXX order. My auto pay schedule got cancelled, again not sure how. I know its my responsibility to pay attention to my finances, but somehow months went by without my payments being made. My loan was defaulted on, and my truck is up for repo. I only know this because I called them. They never sent a legally binding notice of default, or a repossession notice. They claim that the XXXX XXXX XXXX order prevented them from that, yet it allowed my account to go so far into default. State of CO law says my truck cant be repossessed without notice, but they argue differently. Im trying to resolve this, but they will not budge.
Product: Credit reporting or other personal consumer reports

I provided a letter from the court that they do not provide verification of public records and was not contacted by any bureaus to confirm. Experian repeatedly denied accepting a dispute even when information was provided in writing. A bankruptcy that was reported was removed And re- entered on my credit report without proper verification. Despite having a written letter that verification was not obtained. Nor did they provide where the information was retrieved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX [ now XXXX XXXX  ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX INSURANCE paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus.

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows XXXX dates late [ should be NO lates ], worst payment status shows XXXX days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]
Product: Debt collection

XXXX XXXX
I sent equipment back in timely manner
They still placed it in collections
Product: Debt collection

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity  theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection with XXXX, XXXX, XXXX, and National Credit Systems over an alleged debt. I disputed the alleged debt on XX/XX/2023 and as of today XX/XX/2023 I haven't heard from the credit bureaus or National Credit Systems. I have sent 2 round of dispute letters and have been purposely ignored. 

I requested the following validation of the debt : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and National Credit Systems Inc with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
Product: Credit reporting

We called reporting credit bureau, they said my personal report had no record of an eviction. But they said there are other reports that are used, like in this case .... tenant screening report. The information on that report was wrong. That eviction was a sealed court document that was dismissed. We have copies and a telephone number of court / contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where XXXX, Equifax, and XXXX is getting my information from if XXXX XXXX XXXX  said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 for these violations.
Product: Credit reporting or other personal consumer reports

This tradeline on my credit report is not reported with the maximum possible accuracy, which is a clear violation of reporting standards. I demand that you delete this entry from my credit report immediately, as it is incorrect and unlawful.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on an account that I always paid on time. with XXXX XXXX credit card Upon conversation with customer service. They could not provide me with any substantial reason for that report. As seen on the attached document I have bot missed any payment since XXXX aside the false aligation. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. Thank you for your understanding and prompt action. Attached is a copy of my report ( XX/XX/XXXX ) Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 
Please fix the listed account : XXXX  XXXX XXXX Balance Owed : {$270.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have filed XXXX XXXX bankruptcy, and in my Experian credit reporting, showing XXXX accounts that was included in the bankruptcy and was discharged. However when I submitted the disputes indicating that the account theyre reporting is inaccurate because the account is discharged in XXXX XXXX However they updated the credit file stating that they investigated and will remain in the credit file, which is unacceptable and and fraudulent in Experian part.
Product: Debt collection

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX at Southern Oregon Credit Services advising me that I was behind on my payments. She requested that I agree to monthly automatic withdrawal, which I refused to do. However, I did commit to {$100.00} payment immediately ; she took my bank routing number and account number ( as of today, XX/XX/XXXX, that transaction has not been completed ) ; the money was never taken out of my bank account. This payment on my part was done in good faith and there was no indication to think that my relationship with Southern Credit was anything other than on track for future payments. During that conversation I also agreed to an increase to {$60.00} per month payment. I was advised that this increase in monthly payment was mandatory. I have no way of knowing if this is a true and accurate statement, but I agreed to it. The next day I was notified by XXXX XXXX that Southern Credit has reported me to the credit reporting agencies. In good faith, I had agreed to an immediate payment of {$100.00} to bring my account current, as well as monthly payments of {$60.00}. The tactics used by XXXX at Southern Oregon Credit Services were deceitful in that she accepted my {$100.00} without informing me that there was a problem beyond that. It was my understanding through this conversation that my {$100.00} payment would be accepted and my {$60.00} payments would begin immediately. Now that she has added a collections report on my credit standing I am unable to move forward credit-wise for 7-10 years. I believe this was done out of spite because I wouldnt allow Southern Credit to access my bank account on a monthly basis. I made my {$100.00} payment in good faith. I do not feel that Southern Oregon Credit was being forthright in their attempts to collect this debt. I am making an effort to pay off this debt, but am requesting that the negative information on my credit report be deleted. Southern Credit also called me at my place of work stating that this was the last number they had for me ; that is not true ; they have my cell phone number as that is how we have communicated in the past. I would appreciate your assistance with this situation. Thank you.
Product: Checking or savings account

I had Wells Fargo between the years XXXX and XXXX and had multiple issues with fees, missing money out of my account! I can not recall from back then the dates amounts and etc
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH BBB, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, XXXX XXXX {$92.00}, I.C. SYSTEMS INC {$180.00}, XXXX XXXX {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Product: Money transfer, virtual currency, or money service

Between XXXX XX/XX/year> and XXXX XX/XX/year>, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BMO account to fraudulent investment firm
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Every month I go on the Victoria secrets mobile app it does not accept my sign in information. I have used my account number and that is an issue as well. I am unable to call and thats why the app is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX