23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Vance and Huffman LLC never sent me a debt validation letter, nor have they provided proof of sending any notice of debt to me. Vance and Huffman , LLC continue to report a derogatory collection account to my consumer credit file. Since Vance & Huffman is continuing to report, I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. 

I have learned that this is in violation of the FCRA and the FDCPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX ) the financial institution and the Consumer reporting agency Experian does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.
Product: Debt collection

I am writing about an item being improperly reported on my credit report. The first company is XXXX XXXX XXXX collecting for XXXX.This information is inaccurate because I 've NEVER EVER been to XXXX XXXX XXXX and you MUST be referred by a physician to get imaging. I go to the VA and they 've only sent me to another VA or XXXX. I told the credit reporting agency this fact and after they saw that I go to the VA another item appeared on my credit report from Revenue Recovery Corporation for XXXX XXXX XXXX XXXX. I could have actually gone to an XXXX XXXX but it would have been prior to the dates being reported and hence not eligible to be on my credit report anymore AND IT WAS N'T until I pointed out the falsehoods of the XXXX XXXX XXXX. THE XXXX WOULD NOT SEND ME TO XXXX XXXX XXXX because XXXX do XXXX IN THE HOSPITAL! I was a XXXX AND a XXXX prior to getting my XXXX so I know XXXX. It is my honest assertion that XXXX XXXX XXXX attempted to disguise some expired earlier debt that was removed from my credit report based on FCRA LAW. After I pointed out that fact, the Revenue Recovery Corporation looks to have attempted to " re-age '' an old debt to help substantiate XXXX claim. It does n't ; it shows some type of collusion because if Revenue Recovery Corporation was due to be on my credit report until XXXX it would have been on my credit report in XXXX when I first checked it and IT WAS NOT THERE. In addition if I was delinquent in XXXX then it would have been due to be removed ANYWAY, however, I HAVE NEVER GONE TO XXXX which makes the XXXX claim a straight lie. If I went to the XXXX as is claimed by Revenue Recovery Corporation it would have been off of my credit report due to time and it was off. 
It appears that Revenue Recovery Corporation would have had to provide some type of information which allowed XXXX XXXX XXXX to add information to my credit report to a place that I 'd never been. The Revenue Recovery Corporation then took dates from the XXXX XXXX XXXX information in an attempt to " re-age '' a debt that had obviously been removed from my credit report based on FCRA Law.
Product: Prepaid card

Rushcard system is down my balance is not accurate they keep telling me it will be fixed soon. I ca n't even pay my bills because my funds are n't available due to their system outage. They keep putting me on hold and transferring me. The longest I 've been on hold was 50 minutes. Never had any issues before with them but now this is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on MULTIPLE occasions since XX/XX/2020 to dispute the XXXX  account with TransUnion due to not only being reported INCORRECTLY but because I do not have a financial obligation with them! This account was paid in full per the attached receipt in XX/XX/2020 but was report as a collection to TransUnion in XX/XX/2020 ; how is that possible? There is false reporting and XXXX  refuses to do anything about it and so does TransUnion! They either ignore my request or just state that the information is correct. No, it's not correct. It did not become a collection in XX/XX/2020, it was prior but was paid. 

There are also multiple inquiries that I have been requesting to have disputed and removed however, those have not even been acknowledged by TransUnion!
Product: Credit reporting

I disputed the XXXX account with Experian, because all my student loans paid as agreed. They insist I had negative record with XXXX. But anyway, according to The Fair Credit Reporting Act, the limited time to negatives accounts in the record are 7 years. The last record according to this report was on XXXX/XXXX/2010. That is 7 years and 1 month. 

Please help me to this agency deleted this account according to the federal law.
Product: Credit reporting or other personal consumer reports

Citibank sent me a 1099C for debt cancellation in XXXX of XXXX for an account I had with them ( attached ). I have disputed this information with all 3 credit bureaus ( XXXX XXXXXXXX, XXXX ). The credit bureaus claim Citibank is reporting the information as verifiable and accurate. I do not know who is lying? Debt has been cancelled and forgiven ( please see attached 1099C ) Yet the balances, past due amount and dates continue to be reported in an ABSOLUTE ERRONEOUS way. By law this erroneous information must be deleted from my credit report immediately.
Product: Debt collection

First Point Collection Resources has repeatedly contacted me in regards to a medical bill unknown to me in the amount of {$2800.00}. The company has threaten to report consumer information to my credit file. My credit file has been effected with a collection account.
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 Transunion Bankruptcy XXXX # XXXX # XXXX # XXXX # XXXX 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.

Also, I have submitted the inaccuracies from XXXX XXXX XXXX
Product: Debt collection

I WAS REC REPEAT CALLS FROM MIDLAND I DISPUTE THE DEBT STILL REC CALLS I CALL XX/XX/XXXX XXXX XXXX 
HE DID AUTHENICATION OF MYSELF .... HE SAID I CANT HELP YOU WITH THIS ACCOUNT, HE PUT ME HOLD ... BUT DIFF USE THE BOTTON, HEARD HIM TYPING ... HE CAME BACK SAID, HE CANT HELP ME ... I NEED TO TALK TO XXXX XXXX I ASK, WHATS THE COMPANY ADDRESS OR PLACE HE REFUSED TO GIVE THE INFORMATION TO ME .... 
HE GAVE ME A NUMBER XXXX I ASK HIM IS HE A THIRD PARTIES COLLECTION .... HE REFUSED TO ANSWER .... 

VIOLATE -DID ASK ANY QUESTION? 
VIOLATE- REFUSED COMPANY ADDRESS VIOLATE-REFUSED SAY COLLECTION AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several charge off accounts on my credit report, including the Child Support Enforcement XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXX XXXXXXXX account, XXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX account. 

As you can imagine, seeing these derogatory marks on my credit report has been emotionally distressing. I have been struggling financially and have been working hard to improve my credit score, but these charge offs are hindering my progress. 

I would like to dispute these accounts and request that they be removed from my credit report. I understand that I have a legal obligation to pay my debts, but circumstances beyond my control have made it difficult for me to make timely payments. 

I kindly request that you provide me with any documentation or information regarding these accounts, including the original creditor and the date of the last payment made. Additionally, I ask that you investigate these accounts and remove any inaccurate or outdated information from my credit report. 

Thank you for your time and attention to this matter. I hope that we can work together to resolve these issues and improve my credit standing. 

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

I am a victim of identity theft. XXXX, XXXX  and & Equifax have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020and my most recent is early XX/XX/XXXX The total debt amount is less than {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.
Product: Debt collection

I previously filed a complaint regarding this company and their inappropriate debt collection tactics. ( Please see previous complaint ) We received written communication a few weeks ago Stating that they will no longer be contacting us besides sending bills. Over the past few days, however, my husband and I have again received multiple calls on each of our phone numbers from this company. We need this to stop now. I would like to stop this before they start harassing my place of employment again.
Product: Money transfer, virtual currency, or money service

Hello, I have been a customer for XXXX for a few years as I've used the service to send funds monthly to cover medical and housing expenses for my elderly parents. On XX/XX/2022, I sent a transaction totaling {$1000.00} to a family member to collect on my parents ' behalf and the transaction was canceled and funds returned. I later found out that my family member is unable to accept funds from XXXX, which I was not aware. 

I logged in late last week to send the month end rent payment and was asked to scan my ID, which I did. As I proceeded to send the funds, I received a message that " For security reasons, we are unable to complete this transaction online, by phone or at a location. Please try sending again in a few days. '' I tried again after a few days and still the same message. I called customer service and was told that the system has blocked me permanently. 

I am a XXXX Plus Rewards member ( XXXX ) and have earned points toward discounts on sending funds so I've used this service exclusively. I've had no instances of fraud. I primarily send the same amount to the same people monthly and have no history of issues. To block me from accessing the service with no disclosure of the reason or an opportunity to review to see if an error occurred, and no future benefit of the rewards program, has created harm. Financial services should be accessible to all and if you deny access, I should be provided with a disclosure or reason for that denial.
Product: Debt collection

I called Fidelity collection service and asked to pay my debt in full. I was given the payoff amount and successfully paid in full over the phone with a XXXX About a week later I received a paid-in-full letter. About another week passes and I get a call from Fidelity while I'm on vacation stating they made a mistake and that I actually still owed them {$100.00}. I told them no I did not and that I had paid in full and received the paid-in-full letter that I was on vacation and would take the call another time. Fidelity is now calling and harassing my employer 's customer service line asking to speak to me about their own mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}
Product: Money transfer, virtual currency, or money service

( 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: Payday loan, title loan, or personal loan

When I signed up for paypal credit they offered a XXXX no interest loan for all purchases. When I stopped making purchases I was around {$2100.00} in credit used. My payments were around {$30.00} which was in line with the {$2300.00} credit line I have on my credit card with XXXX  XXXX. After a few months my credit used went up without me making additional purchases and the amount I had to pay that month went up also. When I contacted them they said the offer I had used when I purchased had expired. This didn't make sense but I assumed it was a one time thing. Since that time the maximum amount owed and the monthly payment has skyrocketed to over {$3200.00} now. 
They told me several times, oh, just make this $ XXXX dollar payment this month and things will go back down to {$30.00} like its been.. THEY LIED! 
They claim I made a cash withdrawl for {$600.00} and charge me $ XXXX in interest. This is on a 29 % annual interest rate. There is no way in heck 2.5 % /mo int on {$600.00} is {$7.00}! 
When I try to examine where my payments have been going and whats been paid and what hasn't there is no record. 
I spoke to them at length about all this and was basically told they are right, i'm wrong so pay the bill. I got so frustrated and angry with them that I demanded they close the account and that no further payments would be coming to them until either they fixed things, or litigation had completed and I was ordered to pay them more funds. 
I also demanded paperwork for every transaction since the account was created and after roughly 14 days I received it but it is not understandable. 
I feel that they have unfair and possibly illegal lending practices and do no intend to pay them until this matter is resolved by some 3rd party. In the mean time they are destroying my credit.
Product: Credit reporting

I requested Transunion investigate the XXXX payment history on my account, The payment history appeared to be a pattern and made no sense. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX I have made several attempts to have this inaccurate information removed from my account. They continue to update this information with the same errors.
Product: Debt collection

I have asked Collection Consultants to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested that a late payment be checked for verification because the original creditor, XXXX  XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX  XXXX. In XX/XX/2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XX/XX/XXXX, which I know for a FACT is completely erroneous, because the late was in XX/XX/XXXX, not XX/XX/XXXX. How could these bureaus have properly identified with XXXX  XXXX? I dont think capital one would have told them it was late the following month. XXXX even took it off and then put it back on as more incorrect than it previously was.