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

Vance & Huffman Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX. Vance & Huffman has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.
Product: Credit card

Basically I reached out to Wells Fargo to report on unauthorized fraudulent activity on my card. I reported charges starting from XXXX XXXX XXXX totaling over {$3000.00}. I've been patiently working with Wells Fargo and they keep denying my claim stating i approved these charges when I did not. I also filed a police report and resubmitted claim just to be denied. This is unfair! 

I even attempted to reach out to merchants starting with XXXX and they couldnt provide information due to account being under somebody elses name. When I reach out to other companies, the same happens due to me not having any information on purchases details and names. This prompted me to reach out to Wellsfargo, and they have not been any help. Every time I submit a claim, they have a different response to why they are denying it. This is very draining, stressful and frustrating that I have to take these measures to be heard. Ive asked for higher up management to reach out to me and no one has. I just receive letters as form of communication with limited information on claim and it being denied. When I call them for more details as to why its denied they dont give me and just offer to resubmit. This has been going on for months and mean while the balance keeps rising due to interest fee adding up. 

Police report is added as attachment.
Product: Debt collection

Account number XXXX I am writing to dispute the validity of the debt listed on my credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692. I request that you verify the accuracy of this information, including all supporting documentation and proof of your legal authority to collect this debt.

Please provide the following : 1. Documentation validating the origin, nature, and amount of the alleged debt.2. Proof that this debt was correctly reported and assigned or sold to your agency.3. Confirmation of your compliance with the FDCPAs notice and reporting requirements.If you can not validate this debt within the legally mandated timeframe, I request its immediate removal from my credit report. Failure to comply may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action as allowed under federal law.
Product: Credit reporting or other personal consumer reports

I twice disputed an invalid judgement/lien appearing on my LEXINEXIS consumer report. I provided evidence that the judgment/lien was not valid and had been vacated and dismissed by the court. LEXISNEXIS verified the information as accurate with my first dispute. Now they say that they could not verify my identity. I am being damaged due to this issue. I am sick and tired of stall tactics.
Product: Debt collection

Company is reporting a debt on my crisis that is not mines I have never done business with their client
Product: Credit reporting or other personal consumer reports

I have reported the identity theft incident to the appropriate authorities, including : - Local Police Department : XXXX  XXXX Police Department, located at XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX. I spoke with Detective XXXX XXXX # XXXX Phone number XXXX As a victim of identity theft that occurred between 2008 and the present, I have experienced severe fraudulent activities perpetrated by the thief using my confidential, personal, and private information. The individual, using various names like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and any other spelling variations derived from my family legacy name, has engaged in unauthorized activities. 

The thief has unlawfully utilized my digital signature, along with the social security number, to carry out several deceitful actions. These actions include making registrations, credit/loan applications, and manipulating certificates of live birth and birth certificates. The most alarming aspect is the creation of marketable securities such as stocks, bonds, notes, leases, or other financial instruments, without my consent. 
This incident has caused me immense distress and concern for my financial security and personal integrity. I demand immediate action to investigate and put a stop to these fraudulent activities, and I seek justice to hold the perpetrator accountable for the harm caused to my reputation and financial well-being. I will cooperate fully with law enforcement and any relevant authorities to resolve this matter swiftly and protect myself from further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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
Product: Debt collection

This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.
Product: Mortgage

I have suffered a financial hardship due to the COVID-19 emergency ; ( the servicer can't require any additional documentation beyond your attestation. ) COVID-19 Recovery Modification I can't afford the monthly payment amount and needs a loan modification, the servicer must evaluate the borrower for a COVID-19 Recovery Modification. This kind of modification aims to reduce the principal and interest portion of the monthly mortgage payment by at least 25 %. The COVID-19 Recovery Modification is a 360-month modification, and includes a partial claim, also FHA INFO # XXXX XX/XX/2021 In this announcement : FHA Provides Additional COVID-19 Forbearance Extension and COVID-19 Home Equity Conversion Mortgage Extensions Proposed 40-Year Loan Modification Policy for COVID-19 Recovery Options Posts on Single Family Housing Drafting Table for Feedback See below for details.

FHA Provides Additional COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage Extensions Today, the Federal Housing Administration ( FHA ) published Mortgagee Letter ( ML ) XXXX XXXX, Extension for COVID-19 Forbearance and COVID-19 Home Equity Conversion Mortgage ( HECM ) Extensions.

This ML provides : Up to six months of COVID-19 Forbearance for borrowers requesting their initial COVID-19 Forbearance on XX/XX/2021, through the end of the COVID-19 National Emergency, and an additional six months if the forbearance is exhausted or expires before the end of the COVID-19 National Emergency. 
This new option is meant to assist those borrowers who may be newly affected financially by the COVID-19 pandemic and may need relief through the end of the National Emergency.

An additional six months of forbearance for borrowers who requested their initial COVID-19 Forbearance between XX/XX/2021, and XX/XX/2021. 
This ML also provides the opportunity for additional periods of COVID-19 HECM Extension for HECMs when the initial request is made on XX/XX/2021, through the end of the COVID-19 National Emergency, and when the initial COVID-19 HECM Extension request was made between XX/XX/2021, and XX/XX/2021. 

Due to the continuing impacts of the COVID-19 pandemic, particularly the Delta variant XXXX FHA recognizes the need to provide these extension opportunities for the COVID-19 Forbearance and HECM Extension to help those still impacted by the pandemic and who only recently requested assistance or who may need assistance through the end of the COVID-19 National Emergency.

The policies regarding COVID-19 Forbearance and COVID-19 HECM Extensions announced today are effective immediately. Mortgagees and other interested stakeholders are encouraged to thoroughly review XXXX XXXX. 
More information can also be found in the Single Family Housing Policy Handbook XXXX, Section III.A.2.o.i Forbearance for Borrowers Affected by the COVID-19 National Emergency and in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Debt collection

I'm filing a complaint against this debt collector for willfully violating my consumer. Pursuant 1692 ( c ) C I have not validated this debt and I refuse this debt. A debt collector does not have the right to tell a consumer they owe a debt. This debt collector has violated 15 usc 1692g they have not provided me the consumer the 5 things that constitute a validate debt. No statement/agreement constitute a validation of debt, that's an allegation. I deny all allegations. Pursuant 15 usc 1681 my consumer report is NOT suppose to include 1. Credit transactions arising from my credit card. 2. Any factual information. 3. Any credit transaction between me the consumer and them the person. Pursuant 15 usc1681n each violation has a {$1000.00} fine. I'm demanding this account be removed from all my bureaus reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on XXXX and Experian for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. Experian and XXXX responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX  responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the XXXX and Experian reports showing that the delinquency is " a recent '' delinquent account. Experian and XXXX have stated that I can not dispute the item again. By XXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using the dispute methods available. They had no effect. I contacted the company, requesting an appointment to view charges on this account. I was denied, and told if I had a problem that I would have to dispute it with XXXX. 

I sent letters using the FCRA. My last effort was a demand for my all file sent to the XXXX via XXXX, it was signed for almost 2 months ago. Still have received nothing but incorrect, negative reports to the credit agencies.
Product: Credit card or prepaid card

XX/XX/22 I was notified via a XXXX XXXX XXXXXXXX email that my credit application has been accepted. I forwarded the email to their XXXX address. XX/XX/22 I received a text message from XXXX stating that I would receive my credit card in 14 business days. I contacted XXXX and they verified that my identity had been used to own a credit card account. The fraud department has closed the account and opened an investigation. 
I was notified earlier in the month of XXXX that mine and my husbands identity were found in a data leak from our previous mortgage servicer. I suspect that the 2 incidents are related.
Product: Debt collection

In XX/XX/2024, I noticed a collection account from XXXX XXXX XXXX on my credit report, alleging I owed {$510.00} in back rent to my former apartment complex, XXXX XXXX XXXX. Upon my move-out, I had settled all balances, and no outstanding amount was due. I believe this collection is fraudulent and an overcharge. 

On XX/XX/2024, I sent a formal letter to XXXX XXXX XXXX requesting verification of the debt under the Fair Credit Reporting Act ( FCRA ). After receiving no response, I followed up with another letter on XX/XX/2024, again requesting verification. To date, I have not received any communication or documentation substantiating the debt. 

In addition, when I contacted XXXX XXXX Internationals help desk, I was informed that my requests had been received but that no verification could be provided. I was directed to contact their Compliance Department, which I have done twice without receiving any response. 

Given the lack of verification and documentation, I am disputing this debt and requesting its immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>2024 I requested to pre-qualify for credit only. The result of that was that the company said that they needed more information. I later got dinged for a credit inquiry on my XXXX credit report. I was also sent a letter that said the application was incomplete or information could not be verified. The ding was done solely to damage my credit and to waste my valuable time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

They refuse to modify or lower my monthly payment they lie and refuse to assist the only thing they want is to take my home I wont give them my home nor move They dont lower my monthly payment They wont put me back on my original payment They refuse to use any program that help me to stay in my home They say denied how is it possible there is no help for XXXX like me Until my current temporary situation changes SLS are XXXX XXXX XXXX I didnt ask for this loan the person got this loan cheated and got away
Product: Payday loan, title loan, or personal loan

I acquired a debt consolidation loan with XXXX ( www.upgrade.com ) for {$7000.00}. The loan was reviewed for 2 weeks and was turned down. I proceeded to pay of my XXXX XXXX card ( one of the CC included in the original request ) since the loan had been turned down. A week later I received an email from UpgradeXXXX that the loan was approved and funding was sent. This resulted in an overpayment to my XXXX XXXX card for which I asked to be refunded to me. XXXX XXXX instead returned the funds electronically to XXXX. This transaction was process on XX/XX/31. I have contacted XXXX XXXX regarding this transaction and they supplied me with a trace # for the electronic transaction. I have contacted Upgrade/XXXX by email ( 6 times ) and have called them at least 6 times ( usually resulting in XXXX minute hold ) to locate the funds. Upgrade has simple said that they do not accept funds back electronically but they have not been returned to XXXX XXXX or myself electronically or my mail. I have already started making payments on this account and Upgrade has refused to answer my information request to locate the {$1200.00} or to credit it back to my loan. I have been charged interest, an origination fee, and loan fee based on the funds that include this {$1200.00} that I have not received. I have been contacting both XXXX XXXX and XXXXUniversal every 3-4 days for the last 2 weeks and still do not have a resolution. Given that XXXX XXXX has supplied an electronic tracking number, I believe that this is an issue that is in XXXXUniversal area to solve!
Product: Credit card or prepaid card

I made {$1000.00} payment on Friday, XXXX the XXXX to my Platinum AmEx. After making the payment, American Express online site showed to me that I had {$1000.00} available balance. I made two {$150.00} transactions ( {$310.00} in total ), and the card started declining the other purchases. American express website showed {$0.00} available balance. On Monday, XXXX the XXXX, I contacted AmEx Platinum services and a representative requested to speak to my bank. After conversing with my bank, American express released the remaining funds. 
On XX/XX/XXXX, I made another payment of {$1000.00}, and Amex website showed this full amount as available. After making a small purchase at XXXX XXXX, I was not able to make the second one, as Amex started declining transactions. American Express website showed {$0.00} available balance once again. 
This is AmEx Platinum credit card, earning Delta points with each dollar spent. I believe that AmEx Platinum is deliberately disallowing me to spend more money to receive Delta miles with each dollar spent and it is doing this by utilizing unfair and indecent business practices. Realizing this I attempted to cancel XXXX payment, which is allowed by AmEx website. However, once I clicked on " cancel the payment '' link, a massage popped up requesting me to contact AmEx later due to the system overload. This is yet another demonstration of their unfair business practices. And finally, I have received an email from American Express, stating that in 24 to 36 hours my payment will appear online. While contacting AmEx today, XX/XX/XXXX, I was informed by a customer service rep that they plan to take 5 business days before posting my transaction. I told him that I did not give a permission to American Express to hold my money for 5 business days, and that this is crooked business practice. I told them that I will place a complaint with CFPB, they did not care. Thank you for looing into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, and XXXX XXXX  XXXX XXXX have 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 an account without my written instructions.