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

Vance and Huffman LLC, a company that I have had no contract or contact with has incorrectly reported a " seriously delinquent '' collection account as a " factoring company '' monthly since XX/XX/2020, noting the original creditor as " The XXXX XXXX '', opened XX/XX/2020. I did not open an account with The XXXX XXXX in XXXX of XXXX, and have never been in contact with Vance and Huffman LLC. The XXXX XXXX account, which included two paid on time and in full loans, is not now or was ever reported anywhere else on my credit reports. I have tried disputing this account with XXXX and through XXXX XXXX previously with no success or clarification provided. I do not agree that an incorrectly reported account which I did not open with negative history, and in collections from Vance and Huffman LLC, whom I have conducted no business with, but are based on an inaccurate and incomplete history from The XXXX XXXX, which does not require a credit score or history at qualification, nor does it report loan payment history and account status, per their website : XXXX XXXX XXXX, should be allowed to remain on my credit report and has unfairly damaged my credit score. 

I have tried for a countless number of hours to research this on my own, in addition to filing the dispute, and I am asking the CFPB for assistance contacting the company and hopefully removing this inaccurate account, or for information regarding the laws that allow these practices by collection agencies that were never reported by the original creditor, inaccurate, and incomplete. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer and Original Creditor sent in an affidavit of fact to EXPERIAN regarding the information on my consumer report that violates federal law. There is still information till this day that is on my consumer report which still violates federal law and Experian is in violation of 15USC 1611 for criminal liability fir willful and knowing of false or inaccurate information reported on my consumer report. I will attach all violations in the documentation along with this complaint that I sent to EXPERIAN in my affidavit
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a certified letter to the credit bureaus certified number is : EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/2024 XXXX sent a second certified letter XXXX the credit bureau XXXX certified number is : EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX was still conducting their investigation from XXXX. 

The credit bureaus stated account name and account number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NATLCRSYS- XXXX was properly investigation XXXX but how is that possible? If the open date is an accurate, the date less active is an accurate end date last report it is not accurate. This is grounds for removal. They also are violating my rights under 15 U.S.C 1681 section 604A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Money transfer, virtual currency, or money service

They have frozen my account and will not allow me to access my money, I submitted my Id like they asked, they told me that they werent sure why my account was flagged cause they didnt see a reason for it but it was flagged and they refuse to allow me to access my money. I just recently had a XXXX and am suing for medical malpractice and that is where my funds in this account came from
Product: Bank account or service

As a former member of Scottrade Bank, whose account was closed due to an ongoing dispute, I would like to obtain a copy of Scottrade Bank 's dispute resolution procedures for account that was linked to Scottrade Brokerage account XXXX. 

Furthermore, I would like Scottrade Bank to elaborate on the policies present to ensure arbitration is conducted fairly and appropriately. Does Scottrade Bank have a 'carve out ' provision for small claims court and are there any considerations given to potential claimants that may not be able to pay arbitration fees. For example, consumers in XXXX challenged arbitration provisions XXXX required customers to accept for its electronic disbursements services under its " clickwrap '' agreement on its website. The provisions defied the Protocol by limiting their remedies and subjecting them to high costs through arbitration. Although consumers mainly used XXXX for small transactions averaging {$55.00}, the arbitration clause precluded any class or consolidated relief, and did not allow customers to pursue claims in small claims court instead of arbitration. Furthermore, XXXX 's arbitration clause required consumers to arbitrate in XXXX 's home state of California and prescribed application of the XXXX rules for commercial instead of consumer arbitration, thereby requiring consumers to pay high travel costs and an equal share of fees in excess of {$5000.00}. These factors accumulated to lead a California court to strike the arbitration clause as allowing XXXX to " insulate itself '' from any meaningful challenges of its practices. Further, in the event of XXXX conflicting arbitration agreements, such as an agreement of Scottrade Bank and Scottrade XXXX, is there any precedence given to any of the agreement or provisions?
Product: Credit reporting or other personal consumer reports

XX/XX/year> I ask XXXXXXXX XXXX XXXX to send me a signature concerning this transaction. Still got no response and I never authorized them to do anything. Im have the same problem with XXXX XXXX and CB Indigo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items 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 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: Debt collection

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX Other Last Names : XXXX Date of Birth : XXXX XXXX XXXX SSN : ______ - _________ - ____________ XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX , I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : COMENITYBANK/VICTORI Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2.00}. 

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX & XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$430.00}. 

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 

XXXX Bank has contacted me regarding Account # XXXX This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Debt collection

XXXX, XXXX XXXX XXXX refuses to remove a medical debt for an urgent care bill that I disputed based on the following : 1. The debt was for an urgent care facility in XXXX, Arizona, a town I have never visited. XXXX XXXX XXXX XXXX XXXX 2. The debt was for services that were not in any way related to me for a date in XX/XX/XXXX. I wrote and disputed the charge in XX/XX/XXXX.

3. in looking online with search engines, there are a number of consumer reviews that fraudulent bills come out of that location and XXXX  tries to extort money to settle these claims. 
3. The XXXX account person refused to remove the debt, despite proof that the debt was not mine, without a POLICE REPORT. The local police are not going to waste their time with a police report for a debt in Arizona for {$250.00}. This was meant to be a barrier to me and make me pay the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX account was opened under my name ( XX/XX/XXXX ). This is fraudulent. I called XXXX XXXX to mark this account as Fraud, they proceeded to close the account the same day I called ( XX/XX/XXXX ). I also created a dispute report on XXXX, XXXX, and Experian ( XX/XX/XXXX ). I had success with XXXX, as they were able to remove the XXXX XXXX Account off of my report, but no success with XXXX and Experian. 

XXXX stated " the information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - **** The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. 

Experian stated the account " has been verified as accurate ''. 

This is false. XXXX XXXX has deemed this account as fraud. XXXX and Experian has been insufficient in their research. They need to contact XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discussed a personal loan with One Main Financial on XX/XX/2020. I only found out after they ran my credit that you have to be on your job a certain amount of time and that they did not take proof of income from the company I was working for at the time. The inquiry was supposed to be removed from my report. However, it is still showing on my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Confirmation number : XXXX Uploaded Letter dispute, sent notarized certified dispute letter to Experian on XX/XX/2017, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 1.  Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Amount showing is incorrect. There is a fee listed for a carpet replacement that didnt take place, no records or receipts were show when i asked for physical proof, verification, not just validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND THE THE XXXX  XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.
Product: Credit card

I got a return check and my retail card was instantly closed and marked as a late payment even though theres sufficient funds and I made another payment a few days later to suffice. 

I made a {$60.00} payment on a card with a balance of {$410.00}. The payment apparently didnt go through even though theres a XXXX XXXX in checking. I caught it and paid a few days after that. This is for a retail card through Synchrony. I called the bank and they basically have no record of the first payment. 

I called to reason with Synchrony and the person on the other end did not speak my native language so it was hard to level with them. I have been paying the card on time for over a year and was about to pay it off soon its 0 % interest. They claim I got a return check even though I paid it two days later, have been paying it on time for over a year, and then just closed my account. So now its my fault even though theyre the ones with technical difficulties.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified! 
It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as XXXX, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus! 
If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.
Product: Debt collection

On XX/XX/2019 a debt recovery company named Portfolio Recovery Associates LLC whose mailing address is : XXXX XXXX XXXX XXXX XXXX Phone Number XXXX reached out me at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a debt that I owed from a XXXX XXXX XXXX issues by XXXX XXXX XXXX They called my cell phone number many times and when I finally spoke with them in XXXX, I shared with them that the address they had listed XXXX NOT and hod NOT been my residence and also I never authorized opening a XXXXXXXX XXXX XXXX due to my credit being bad and I was workin on repairing my credit. 

Later that month, after many calls I requested a copy of the credit crd information and a listing of the charges. XXXX the Credit Card issues would not speak to me because I was not the Primary account holder but the Debt Collection Agency was able t send me the information of the charges and the total debt owed which is {$4600.00} After a few follow up conversations with the XXXX issuer XXXX they stated that the name of the Primary Account Holder who at that time was an X-Partner who I never authorized to open an Credit Card Account in my name or any shared line of credit with her. 

This debt is currently listed a in Collection on my credit report lowering my credit rating. Also I no longer have any contact details of the Primary Account holder, who is the person who opened the account without my awareness or permission. 

I find it really appalling that a credit card company and credit issuers would allow any individual to open a credit card or line of credit using a persons names and only notify the person once the debt is in collections.
Product: Credit card or prepaid card

I recently signed up for a XXXX XXXX XXXX XXXX, after seeing multiple social media and email advertisements. All of the messaging made it clear you could " earn points by paying rent, '' and since rent is a significant expense for my household, I signed up. In nearly 25 emails sent following signup, there was only 1 direct mention of needing to complete 5 additional transactions, and all advertisements do not include this information. In fact, I only became aware of this policy after my first month 's payment where nearly XXXX points were already forfeit. I worked in credit card processing, so I understand that there are valid reasons why they need multiple transactions per month to maintain a relationship with the bank and/or card network, but this does not change the fact that information that would have led me to not sign up was not given in any promotional materials. Benefits are touted without any indication of the requirements -- for example, XXXX states " you get XXXX points with $ XXXX spend in the first 3 months '' ( or similar ) -- the qualification is clearly stated in the advertising. XXXX XXXX current marketing is misleading and should be corrected. 

I don't get the advertisements anymore, so I can't grab a screenshot of the misleading ads, but the email I received from onboarding ( attached ) says : " Pay rent and earn points If you're approved, set up autopay and automate rent payments. Set it and forget it. '' -- > This is untrue. This is exactly what I did ( set up automatic rent payments ) and I expected to earn points, " Pay rent and earn points... set it and forget it '' but earn no points. This is attached. 

I reached out to support to ask to reinstate the points that were lost due to this misrepresentation and they denied my request and told me to make additional transactions.
Product: Debt collection

In XXXX of 2018 I received a collection letter from Credit Collections USA claiming I owned {$80.00} to a XXXX XXXX SPC. I immediately responded by certified mail and informed them that this debt was not mine and requested validation. See Attached. Finally, in XXXX they responded with copies of a bill which had NONE of my correct personal info on it. They violated FCRA by not responding in a timely manner and failed to validate anything. On XX/XX/XXXX, I sent them a certified letter informing them they did not validate anything and that the debt as stated is not mine. I also reminded them taking 6 months to respond is WAY outside the normal time frame. I told them I consider this matter closed and that I do not know who this debt belongs to but it is not mine. I warned them further collection attempts or any derogatory information placed on my file would result in this complaint being filed. They put this debt, which is not mine on my credit bureaus causing my score to drop over 50 points. As a result an auto loan I recently obtained I was forced into a higher interest rate because of negative marks on my credit. This has created substantial injury to me and monetary damage to me. I intend to file a lawsuit against them and would like them sanctioned for violating FCRA. They should NOT be allowed to be in the business of collecting any debts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the credit bureau ( EQUIFAX ) stated the account ( XXXX XXXX XXXX ) was updated and verified since my complaint opposing in XXXX, but after pulling my XXXX Credit Report on that day I still noticed multiple of the same fallacies on the reports. Open dates, high balances, last activity dates, last payments, and reported dates are all still incorrect. This is grounds for removal per violation of my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states consumer reporting agency can not furnish an account with inaccurate information and I have not given the permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 2 late payments XX/XX/18 & XX/XX/18 on my credit after the loan was paid off. My car was totaled and was a full pay off the end of XX/XX/2018.

I paid my deductible and then XXXX paid off the XXXX loan. XXXX left a {$500.00} balance on there which I was never notified. SO I got the 2 late payments and it is not my fault.

I have disputed this and XXXX said it is for the Deductible I needed to pay. WELL I had already paid that in XX/XX/XXXX!!! SO they made me pay them again! SO I paid 2 {$500.00} deductibles!

I have proof I paid the deductible as advised and proof the car was paid off back in XX/XX/XXXX. There should be NO late payments on my credit this year and I need them removed.

They are in violation of the FCRA and the Debt Collection Practices Act,.

I have already contacted my attorney,