23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am reaching out for assistance with a lingering matter with XXXX XXXX XXXX XXXX doing business at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

In XX/XX/XXXX I filed a complaint regarding excessive text messages and collection calls received from XXXX employees. At that time I communicated employees actively texted my cellular number of XXXX after I communicated I did not wish to receive electronic communications from the lender. 

Today, XX/XX/XXXX, I phone XXXX to request lien releases on my XXXX XXXX XXXX as well as my XXXX XXXX XXXX. The individual advised my request would be forwarded to upper management which lead to me being contact by XXXX legal counsel. 

During my conversation with XXXX  attorney I was advised I filed a complaint with the CFPB and did not respond and I could receive a release on my title if I paid an outstanding in 2 payments. Upon hearing this information I advised the attorney I did not owe any money to XXXX and in XX/XX/XXXX she advised the company would not reimburse me for expenses and fees incurred as a result of the repossession but my account would be closed and noted as paid in full. 

Attached are my phone records XX/XX/XXXX through XX/XX/XXXX showing phone calls between XXXX XXXX Ohio location as well as the XXXX legal counsel.
Product: Credit card or prepaid card

I had a USbank Master Card. There was a fraudulent charge made on card on XX/XX/XXXX for {$370.00}. I challenged this by phone and closed account as USbank could not provide many any info on this charge. I did speak to them on the phone about this. On XX/XX/XXXX I received a notice that USbank determined charge was fraudulent. I have received bills from USbank charging me interest and penalty for fraudulent charge. I've gone ahead and paid all charges at end of XXXX just to have them go away, but I continue to receive bills from XXXX. Received one today ( XX/XX/XXXX ) by email.
Product: Debt collection

I am filing this complaint to bring to attention the egregious and persistent failure of Vance & Huffman LLC to comply with the Fair Credit Reporting Act ( FCRA ), a failure that not only impacts me personally but sets a dangerous precedent for consumer rights violations nationwide. My previous complaint to the Consumer Financial Protection Bureau ( CFPB complaint number XXXX ) was met with a response so lacking in substance and accountability that it borders on contempt for both the regulatory process and the rights of consumers. Vance & Huffman LLC has demonstrated a pattern of behavior that shows a systemic disregard for the obligations imposed by the FCRA, specifically the requirement to notify consumers prior to reporting debts to credit bureaus. This notification is not a courtesy but a legal requirement, designed to protect consumers from unwarranted credit damage and to provide an opportunity to dispute incorrect or fraudulent claims. In my case, no such notification was provided. The debt was reported without my knowledge, without my consent, and without giving me any opportunity to address or dispute the claim. This action has not only potentially damaged my credit score but also my trust in the financial systems that are supposed to operate within the bounds of the law. Vance & Huffman 's reply to my initial complaint disregarded these concerns, focusing instead on a superficial acknowledgement of subsequent communication which does not address the initial violation. This approach is indicative of a broader operational ethos that prioritizes expedience over legality and consumer well-being. It is an ethos that underestimates the intelligence and rights of consumers and assumes a lack of accountability that I am here to contest. Their failure to address the root of the complaint in their responsea detailed, documented, and legally grounded notification of debt before any report to credit agencieshighlights a grave misunderstanding of or disregard for the laws that regulate their industry.
Product: Mortgage

I asking to remove the lateness reporting in my payment history in this account because i have never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status XXXX says open experience is closed XXXX XXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open experian says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX  : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXXan oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX My cell XXXX I bought a XXXX XXXX XXXX directly from XXXX located in Pennsylvania for {$700.00} using XXXX Bank of America debit card. 

Originally, after I ordered the guitar, for some reason XXXX XXXX had the delivery address to some random address in XXXX XXXX, Nevada. When I contacted XXXX XXXX, they told me that I had to contact XXXX, which I did because they told me that XXXX XXXX gave possession of the guitar to XXXX. I contacted XXXX and gave them my home address @ XXXX XXXX XXXX, XXXX located in XXXX XXXX, Nevada XXXX. On the day of delivery a few minutes past XXXX pm, I finally saw DELIVERED. I was home but received nothing. I checked and how the heck did this happen, says delivered by ups to delivery address. Not to XXXX XXXX, Nevada but to XXXX, Nevada and it was signed for by a female named XXXX. I live alone and I dont even have a XXXX or even XXXX XXXX my life. Heres my question, when I informed XXXX and XXXX XXXX of this, logic would say that ups would know exactly where they delivered the guitar? To this date XX/XX/year>, I havent been contacted by either UPS or XXXX guitar with apologies and would I like a replacement to be sent out. XXXX understands that even if they would of done some sort of package trace, it would of been done by now. XXXX XXXX phone number is XXXX In XXXX months neither XXXX or XXXX has contacted me in anyway and to make things worse, when I disputed the {$700.00} with Bank of America, I was told that they were told that its going to take 30-45 days until the evidence is put together and referred to Bank of America . What evidence, you in no way shape or form got the guitar in my hands, a neighbors or nothing. Maybe, the evidence that in our country how can I be held responsible for the shipper delivering an item to the wrong XXXX city!
Product: Debt collection

I received a notification of a traffic  violation fine from XX/XX/XXXX the municipality of XXXX XXXX. I have not received any notification or a ticket prior to today, XX/XX/XXXX. XXXX traffic law prohibits collection of traffic  violations, if the offender is not notified within XXXX years. Ive never received a ticket, or notification and no proof exists that XXXX  was ever sent. For this reason this traffic fine is no and void.
Product: Credit card

My Citibank credit card XXXX was paid in full in XXXX. Early XXXX I received a statement for this account showing a new balance, and I had already cancelled the account and no new charges were placed. I emailed Citibank and received a reply on XXXX/XXXX/XXXX that my account balance was {$0.00}. Now I received a letter from XXXX XXXX collection agency that I owe {$180.00} and it is being reported to the credit bureau as past due. I again emailed Citibank who will no longer respond. I need to get this account removed from the collection agency ; removed from my credit report with a corrected status of paid in full and not delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : > I have reported to XXXX that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. XXXX has declined to take any action or even to acknowledge my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Fri i went to take money out my account and I found out it was frozen
Product: Mortgage

You have marked my complaint as a duplicate it is not, while some of the same issues remain unresolved there were new ones added please do not mark this as a duplicate!!!!! 

1 ) I have been trying to resolve unapplied payments since XX/XX/2018 to no avail 2 ) When I receive correspondence Selene continually glosses over this fact 3 ) Selene has used one of my payments for Legal fees 4 ) I had to hire an accounting firm to validate my findings and they did, this must get addressed, another issue that has not been addressed and glossed over in their correspondence 5 ) NEW I have requested the information on the new company that is taking over my mortgage to no avail 6 ) NEW I have requested an amortization schedule that has not been received.

7 ) This company has been pushing me towards a foreclosure since XX/XX/2018 ONE CAN NOT BE SATISFIED WITH A STAMPED LETTER THESE ISSUES NEED A RESOLUTION, JUST BECAUSE YOU RECEIVE LETTERS OR CORRESPONDENCE DOES NOT MEAN THE ISSUES WERE RESOLVED THEY HAVE NOT BEEN!
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe depression, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit reports from capital one and XXXX XXXX. I do not have an account with capital one or XXXX XXXX. I have contacted capital one they gave me the XXXX XXXX number. I also contacted XXXX XXXX and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to capital one, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.
Product: Debt collection

XX/XX/XXXX a company called my personal cell from an unknown number stating that Wells Fargo sold them a debt to me from XXXX of overdraft fees that is now over {$3000.00} with legal fees and they have attempted to serve me papers on multiple occasions. 

That I would have to pay with Visa or wire the money. 

They provided me my social security number and my dad 's address where I do not live. 

They said that the fees are over {$3000.00} and said that without them its {$2400.00} and that if I pay in full today I can pay {$1200.00}. 

Then provided me a phone number and reference number : XXXX XXXX XXXX ref XXXX They claim to be from a XXXX XXXX XXXX, but there is no record of them online or for their phone number. 

I called back with my wife and they refused to give any information unless they received a written notice for authorization and they couldn't take 2-party calls on the phone and then he hung up on her. 

I called Wells Fargo and they say they haven't sold debt for years and all the companies they sold it to are now out of business. 

I'm going into Wells Fargo later to verify in person there can absolutely be no merit- I have no notices to any of my parent 's addresses when I did have an account almost 10 years ago, the account is 9 years old, they threatened to sue me, want me to wire the money and hung up. 

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

I have tried numerous times to get the closed account ending in XXXX regarding XXXX XXXX to reflect correctly which Equifax has failed to do. XXXX shows the account being closed in XX/XX/XXXX with no further activity. 

Equifax after a recent investigation on XX/XX/XXXX already reflected the next day changes that were erroneous errors. They showed the account with lates from XXXX XXXX XXXX and another charge off reporting in XX/XX/XXXX which makes no sense since the account was paid and closed in XX/XX/XXXX as will be shown from a picture took of the reporting. This account is paid and closed as of XX/XX/XXXX with no activity afterwards. 

Equifax has purposely tried to re-age this account to reflect negative activity after the fact it was closed in XX/XX/XXXX.
Product: Mortgage

Refinancing my primary home with Interactive mortgage, they sent me a final statement stating I have second mortgage of {$5200.00} With Wells Fargo my mortgage company I have now. Interactive mortgage will not do the refinance unless I pay them that second off, So I called Wells Fargo to pay the amount I owe But they would not let me do it stating I would have to pay my entire first mortgage {$330000.00} Before I can pay off second of {$5200.00}. 
Which is UNFAIR, UNETHICAL and Fradulent! so they can keep my mortgage with them. 
Please help deal with them. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Acct # XXXX ( XXXXXXXX XXXX XXXX ) To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( XXXXXXXX XXXX XXXX ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. 
Under the laws of the State of ( State where the car was repossessed ) State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.