23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with Hillcrest Davidson ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called XXXX XXXX, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years XXXX XXXX kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of XXXX XXXX but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX  who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is XXXX XXXX, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned through my credit monitoring company that XXXX XXXX pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.
Product: Mortgage

I applied for a loan modification with my lender Shellpoint. On XX/XX/2020, I spoke with XXXX whom informed me I was approved fora streamline trial modification starting on XX/XX/2020 in the amount of {$930.00}. I was advised the approval letter was going to be mailed to me in a couple of days. I was also told I could call back in an obtain a copy via fax once it was available. There was a pending foreclosure sale date of XX/XX/2020 on my loan but due to the approval I was not concerned as I was accepting the approval. Then on XX/XX/2020 I receive a phone call from Shellpoint telling me my sale is still active and what am I going to do, I was confused as I was just told a few days prior I was approved with the first payment starting XX/XX/2020 so why would they proceed with the sale date? I was advised from XXXX XXXX, on behalf of Shellpoint that he did see my file was pending the final approval but because there is a trustee sale date the approval is more than likely going to be denied. Per Mr. XXXX XXXX he is sorry someone did not provide me with the entire information and they are moving forward with the trustee sale date. I then asked to speak with a supervisor. Per Mr. XXXX XXXX he will transfer me to a supervisor but instead I got transferred back to the automated system. 
I was never assigned a point of contact throughout the process and Shellpoint never reached out to me for options except that one time only to tell me my house was selling the NEXT day. So due to their mistakes, my home has now sold to a 3rd party and I am facing eviction. This is a prime example of wrongful foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting inaccuracies to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my Credit report with Transunion there are 2 hard inquires that are duplicates. Both hard inquires show from " XXXX XXXX XXXX XXXX ''. The first hard Inquiry from " XXXX XXXX XXXX XXXX  '' was made on XXXX/XXXX/22, the second hard inquiry from " XXXX XXXX XXXX XXXX '' was made on XX/XX//22. Within a period of 2 days the lender " XXXX XXXX XXXX XXXX '' pulled my credit 2x. I have already reached out to the lender and they advised that is was a mistake but to get in contact with Transunion to Dispute. I have sent Transunion a dispute but they neglected to remove the duplicate hard inquiry.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Vance & Huffman , LLC for predatory credit score manipulation ( i.e., passive debt reporting, repeated and inconsistent reporting, and/or debt parking ), legal violations, harassment, and fraudulent activity. Since XX/XX/year>, I have repeatedly disputed an alleged debt they continue to report, despite failing to provide the legally required proof of their right to collect or report it. 

Vance & Huffman , LLC is currently reporting an alleged debt on my credit report as delinquent. This practice is illegal under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using deceptive means to collect or attempt to collect any debt. Reporting a debt as delinquent without proper validation is considered a deceptive practice. 

Violations Committed by Vance & Huffman, LLC : Failure to Validate Debt Vance & Huffman has not provided proof of ownership, a signed contract, or a full payment breakdown, violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Credit Score Manipulation & Fraudulent Reporting They have altered balances monthly, falsely misrepresenting debt status to damage my credit and coerce payment, a deceptive and fraudulent practice that must be investigated by the appropriate governing legal authorities.

Harassment & Evasion Despite ongoing communication, Vance & Huffman refuses to provide proper validation or resolve the dispute, instead opting to engage in fraudulent collection practices and misrepresentation.

Resolution Demands : Cease all reporting of this unverifiable debt.

Remove the debt from XXXX, XXXX, and XXXX. 
Stop predatory and fraudulent practices of fluctuating balance reports. 
Provide written confirmation of resolution within 5 business days.

A certified dispute letter has already been sent, and I await their response. However, due to Vance & Huffmans refusal to comply, I am escalating this matter to the XXXX XXXX XXXX ( XXXX  ), the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for immediate intervention and investigation of their fraudulent activity. If Vance & Huffman , LLC fails to act, I will pursue legal action for FCRA and FDCPA violations. 

Request for Further Investigation I also request that the XXXX  escalate this complaint to the appropriate regulatory and legal authorities for an investigation into Vance & Huffmans fraudulent activities, including deceptive reporting, misrepresentation, and failure to validate debt in compliance with federal law. 

Please investigate and ensure Vance & Huffman , LLC stops its unlawful and fraudulent practices immediately. I appreciate your urgent attention to this matter.
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit card or prepaid card

There was a purchase of a gas dryer from Best buy from XXXX. I happen to notice this order in my history shortly after the XXXX, via my XXXX  ( Best Buy App ). I cancelled the order via the app and I did get the confirmation. I reached out to Best buy trying to find out the means that this order was placed ( Cell phone, desk top, etc ) I also asked for the IP address of the placed order, so that I could use that for the fraud. I received nothing, I have gone back and forth with the bank and the merchant for this order I did not place. I have recieved a temp. credit and then rebilled several times for this order. At this point The merchant will not take any of my calls, they cancel any online order I place, and also If I am able to speak to someone to state to me to contact my local law enforcement. I have letters dated with the following datesXXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please note in the first two investigations I requested the documents that were obtained and used to make the determination and the bank did not comply, please see the letter I sent to them, they did send me the docs after that written request. So finally in the letter from XXXX it was found in my favor, and the matter was considered closed, however it was reversed in XXXX, please see the letter from them dated XX/XX/1923 and my letter to them dated XXXX. I called them on XXXX to spoeak to someone, and in sum they stated that I needed to take this matter to court, but they did not provide any information to me on who to list on my court filing should I go that route. I also stated to them the law in CA where if I received unordered merchandise ( From the FTC ), then it was seen as a gift. I cancelled the order prior to the receive date, so I knew it was cancelled, also I never placed this order in the first place. They claim that it was delivered. When the determination was made in my favor, it was based on the same evidence that was used to reverse it in XXXX. Does not make any sense.
Product: Credit reporting

This in a complaint against the credit bureau TRANSUNION, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
Product: Credit reporting or other personal consumer reports

I am trying to rent an apartment and they need to pull my credit via Experian. 

I am unable to log into my account to unfreeze my credit score. I have tried calling and there is no human being available to speak with. I also tried requesting my credit score via Experian to show to my landlord and every time I do that there is a system error.
Product: Debt collection

Spring Oaks capital LLC, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). XXXX XXXX XXXX obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This debit is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit for all  XXXX  bureaus is always locked until I unlock them. Recently, I decided to buy a new car, so on  XXXX   XXXX  I unlocked all  XXXX  reporting bureaus so that the car dealers could access my credit. I removed the freezes for just  one  day.  XXXX   XXXX  and  XXXX  automatically re-froze my credit on  XXXX   XXXX , but Experian would not do so even after I called them to do it. They are leaving it unlocked until I sign up for their credit-monitoring service that will coast me {$24.00} per month. I have appealed to them to freeze it up, to lock it up but they are refusing to do so unless I become a member of their credit-monitoring service. They keep sending me emails that my credit is unlocked. This is intended to frighten me into joining their credit-monitoring service. This is blackmail in the literal sense and has to be illegal. I simply want them to freeze my credit up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, or Experian. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or Experian has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Product: Debt collection

My Ex husband opened American Express account in my name and now amex collectors are harassing me with collection and now they sued me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING is re-aging debt and it has listed debt as a collection account, when it is duplicatively listed on the same credit report under the original creditor. See attachments of screenshots of my credit report which shows duplicative entries for the debt.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that I had this account on my credit report that was not open by me. This has hurt me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.
Product: Checking or savings account

I had an certain amount of money in my account for a bill to be paid and when I paid the bill payment didn't go thru my money was missing
Product: Credit reporting or other personal consumer reports

I was trying to get my credit freeze removed and I couldnt. They kept saying my Social Security is incorrect or it would not go further. This is a company that makes XXXX  of dollars on peoples credit information. The fact that they could say when theyre open and when theyre not is unacceptable. Credit card companies open XXXX XXXX they should be open XXXX XXXX they have peoples credit or financial information on file and they are not allowing People to access their own information that is unacceptable. They are the biggest identity fraud people in the world.
Product: Debt collection

Well apparently XXXX XXXX sold my information that was fraudulent attain to this company Portfolio Recovery Associate. I contacted Portfolio Recovery numerous time. I mail my police report to the company, the three credit bureau has my police report. I have a fraud alert and a freeze on my credit report. XXXX  remove it but when it removed from my credit Portfolio Recovery will put it on the other bureau. I contacted FTC file a complaint. They still report it to the bureau. On XXXX XXXX i recive a call from XXXX stating my account wasn't be paid. I inform XXXX I never applied for a XXXX XXXX card. My husband XXXX XXXX left his phone in a rental car. They never turn the phone in but from XXXX they was open different account because our email was stored in the phone we had some of our personal things in the phone.
Product: Debt collection

I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased Experians Credit and personal monitoring Twice now Since I have been aware of Identity Issues with my name and Ss # And Both times it seems to not work. Also I have disputed several inaccuracies and nothing seems to work if I dispute something its back on my account within a day or so. And I know by law that they are to give you in writing a 5 day notice to let you know its going to be put back up to embarrass you or you can fight before it does. I have not been given that. Also my account was made by someone else I stumbled onto it. And Things have been happening That Im still trying to find out. They need to be more thorough with their monitoring system.And write or email the consumer about any new information that is sent to them to see if its accurate. Because Identity theft is A real struggle and its never ending Ive been compromised both times I paid for service and locked my account I feel so alone because they arent even helping me and to this very moment I have to change my password every day at least a couple times a day. XXXX XXXX P.S. Ive lost control of my last Email its gone!
Product: Payday loan, title loan, or personal loan

I took a line of credit with Trygrain.com and set up autopay. Monthly I get a statement that has a due date. Apparently the due date is irrelevant as daily they check your checking account balance and if you are, as they call it flush with cash will take the payment. For example my payment is due XX/XX/2023 however they saw that I got paid today XX/XX/2023 and took their payment. 

I contend that this is not appropriate, does not allow me to plan my finances properly and puts me in danger of overdraft fees as I get towards the end of pay cycle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these items with you Reference # XXXX XXXX bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX and XXXX  XXXX bankruptcy XXXX. In response you verified these items as accurate, stating that you have verified the information with the court. I contacted the court reported as the furnisher and attached is their response. It is clear they do not report to you or to any credit bureau for that matter ; therefor your original response verifying these items with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be " deleted immediately ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent this company a request to validate the debt on XX/XX/2019. I recieved a letter dated XX/XX/2019 notifying it was recieved and asking me for more information. I then recieved a 2nd letter dated XX/XX/2019 stating that the accout was accurate and disputed. 
I have yet to receive all of the requested information from this company to " accurately '' report to the credit bureaus. 
It has been over 30 days and I have yet to receive ANY information to VALIDATE this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.