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

Have filed numerous complaints regarding this same account showing on credit report that is not mine ... .yet XXXX and EQUIFAX STILL continue to list it as mine ... ..company admitted they DID NOT HAVE A DOCUMENTED CONTRACT, NOR DID THEY VERIFY WHOM OPENED ACCOUNT ... ... .so I am still wondering how XXXX and EQUIFAX " verify '' an account that was not opened by me. How is an account verified ... ... WITH NO CONTRACTS? So again ... ..I ask for a CONTRACT!!!!!! Stop telling me you verified an account that does not EXIST!!!!!!!! 

CFPB ... ..stop saying this is a duplicate ... XXXX.YOU ARE THE ONE THAT ASKS IF WE WANT TO SEND TO OTHER CRA!!!!!! SO SEND IT! 

XXXX and Equifax has done nothing to remedy the issue!!!!!! Removing historical information on an account that is not mine ... ... does nothing to solve the problem!!!!! REMOVE THE ENTRY!!!!!!! YOU ARE RESPONSIBLE IN THE END FOR LISTING INFO THAT IS NOT MINE, and purposely harming me!!!!!!!!
Product: Debt collection

To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were th goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.

Letter of sale or assignment from the original creditor to your company. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

today is XX/XX/year> I closed the XXXX XXXX XXXX card a year ago, and just paid if off XXXX XXXX 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 more inquiries on my credit that i did not authorize. XXXX  on XX/XX/2019 and XXXX on XX/XX/2019 and XXXX XX/XX/2019. I contacted XXXX and XXXX  both whom could not find any credit applications and told me to dispute with credit bureau. XXXX stated they dont have a department for mr to talk to regarding this inquiry. XXXX stated they dont see any applications for me on that day and they dont know where or why it is on my credit. These inquiries are bringing my score down and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I see this account is still not remove. Please delete.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. 

These accounts are identity theft. Please delete.
Product: Vehicle loan or lease

I paid off my loan in XX/XX/2023 and it is currently XXXX of XXXX  and every time I call Westlake financial and request a title/ lien release they tell me that they already delivered it to me or they will try to deliver it within a few business days. They say they have mailed it out through the USPS. But in reality they havent because I have confirmed this with the post office, their records show XXXX West Lake Financial mail coming to my address. I live in an apartment complex style mailbox where there is a lock on every box and only the mail driver has access so clearly my mailbox is extra secure as well. I have lost so much money in the past 4 months because I can not sell my truck because of the laziness of West Lake financial. If you go and read the XXXX reviews youll notice thousands of customers dealing with the same issue after paying off their loan. There is clear fraud and negligence happening in the background of their office.
Product: Credit card or prepaid card

Citi advantage credit card is taking greatly advantage of consumer and specially me. I started this credit card with a balance of {$3000.00} with a payment of XXXX and now my payments range from {$88.00} XXXX month and never go down making be slave of the credit card for years. I have a very interest rate I spoke with rep XXXX rep # XXXX and told her that I had to spend money on funeral expenses and will be great to lower my interest rate and of course CITI was careless about any hardship with customers. 

I been paying this card for over a year and if I count all my payments plus the amount give. I paid more than I borrow in credit making be an slave of interest and payments. This is really predatory interest rate at its best. I want to live pay a CC not a mortgage loan for 6 years because that what will take me to pay.
Product: Debt collection

SOURCE RECEIVABLES MNG Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, has violated my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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. 
DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXXXXXX XXXXXXXX XXXX : {$0.00} DEPT OF EDXXXXXXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. 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 which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 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 ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

On XX/XX/2020 I payed a collection account to a collector called CBE Group. 

I paid {$77.00} and some change to resolve a debt from a XXXX XXXX bill at a previous address. 

I had a credit reporting disputed and got this collection removed to improve my credit so that we can apply for a mortgage on a new home. 

I find out a couple of weeks later that a new collection on my credit report by a company XXXX XXXX XXXX ( XXXX ) is collecting for the same debt for XXXX XXXX. 

I disputed this again with the credit burea and XXXX. I sent proof of the payment to bot XXXX and XXXX XXXX with no resolve. 
I sent a second letter and email with proof again around XX/XX/2020. 

I call XXXX XXXX over 12 different times to resolve this but they only give me a ticket number and say someone will contact me. I never recieved any communications from them. 

XX/XX/2020 I get a letter in the mail from XXXX saying that they contacted XXXX XXXX about the account and XXXX told them that they checked all of thier sources and that no payment was made on my account but to continue collections on the account. 

I again called CBE Group to get them to help with the payment communication to XXXX but they told me only that, yes they confirm the payment was received but XXXX pulled the account from them on the same day and they do not know what happened to the payment processing. Told me to send them " CBE Group a letter explaining the circumstances with my proof of payment and then see what happens. 

I did send a registered letter again with the proof but get no resolve. 

In my opinion, CBE Group did take my payment but did not pay or communicate it to XXXX. They still have not. 

I am at a loss as of what to do next. My credit is being destroyed and neither CBE Group or XXXX is cooperating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX XXXX opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that EOS CCA has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the proof that my account was charged off, but they were unable to do so. 
I literally traded my car in and they are reporting it as a charge off on my credit report, which is harming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called Experian numerous times. This account, XXXX XXXX XXXX, is not mine. I have never had a credit card with XXXX XXXX with the account number XXXX. This account also has the exact same balance as another account on my report. 

Neither Experian nor XXXX XXXX has provided me proof that I have opened this account, balance/ payment history, or any proof whatsoever that it belongs to me. 

Experian is showing that I had a credit card, account # XXXX, balance {$10000.00}. This is incorrect and needs to be removed. This negative information is causing me a significant amount of damage to my reputation and credit score.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law to resolve this matter as soon as possible. 

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

XXXX XXXX XXXX XXXX XX/XX/2022 Filling a collection under my name. 

i do not know who XXXX and XXXX is nor have i ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything. 

XXXX False, deceptive, or misleading representations or means.
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 Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I applied for the American Express Platinum card with American Express and got approved for the card on XX/XX/XXXX. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XX/XX/XXXX. As I noticed the card was not as good as I expected, I asked to close this account in XX/XX/XXXX. To my great surprise, I found after this account was closed, American Express removed XXXX Membership Rewards from my account on XX/XX/XXXX. I called them several times to resolve this issue but was told that I could not get the Membership Rewards back with no explanation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reports is not accurate either. The ground for removal they also violated under my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.S 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. They ignored my dispute and since then I have lost out on grants, loans as well as credit card offers due to their negligence. I also receive harassing phone calls from 3rd party collection agency due to them furnishing deceptive INACCURATE information. The calls are non stop AFTER I informed these parties that my number was on a do not call list as well as sent a cease and desist.
Product: Credit reporting or other personal consumer reports

I was defrauded in XXXX of 2020 and the culprit had also opened many accounts and hacked into my PayPal account to get their credit card. He then had used this card to make purchases in XXXX and I closed down the card and synchrony keeps trying to send me bills. I did not authorize any of these charges. 

https : XXXX