23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Complaint Regarding Unauthorized Access and Coercive Collection Practices Dear VANCE & HUFFMAN, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that VANCE & HUFFMAN has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing VANCE & HUFFMAN from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with VANCE & HUFFMAN and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information - VANCE & HUFFMAN accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by VANCE & HUFFMAN may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. 

Additionally, I want to bring to your attention the following federal and state consumer laws : 3. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 : - Unauthorized access to my non-personal information may also be in violation of the EFTA. 

4. Texas Business and Commerce Code 17.50 : Deceptive Trade Practices- Your coercive collection practices may be considered deceptive trade practices under this code. 

I demand that VANCE & HUFFMAN cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with Midland Mortgage, they have provided some assistance when I was unable to pay due to COVID-19. Now I have become XXXX XXXX XXXXXXXX through the VA and requesting that my mortgage be reduced which I am entitled and it seems to be a bit more difficult. I have attempted to send the documents via fax and the initial fax number was not a good fax. Then I faxed them using a fax at the library this occurred in XX/XX/2022. I continued to follow up, also let me remind you that I also applied for a reduction in my mortgage due to my XXXX and my income being reduced so they had all of the paperwork the early part of XX/XX/2022. I sent them all of the documentation which shows that I'm XXXX XXXX  XXXX and most states have many benefits for Veterans one of the is not paying Real Estate Taxes. Yet, here we are and I'm still waiting for them to deduct them from my mortgage. I've been following up since them and I've been told if it doesn't have a numerical value it will delay the process. Which the document from the city states that I'm entitled to XXXX XXXX exemption. I'm fearful that this Mortgage company is going to start foreclosure process. I attempted to make a payment and had to use two methods of payment and it was refused. I've been struggling to pay many of my bills because I'm adjusting to getting paid once a month. It's unfair for them to say it will take 30 business days when Veterans should take preference in the process.
Product: Debt collection

I received a negative collection notice on my credit report from Phoenix Financial Services attempting to collect a debt for XXXX XXXX XXXX XXXX for a delinquency on XX/XX/2018. I researched in my calendar for any medical appointments for XX/XX/2018. I did not have any medical appointments during that time period. I am a retired military XXXX and I am covered by XXXX insurance. I would not have a medical bill. Phoenix Financial Services is a company that is known for scamming people with be guilty of all known scams. I filed a dispute through the credit agencies and they have sided with Phoenix Financial Services, even though, PFS, have no documentation to back the claim. At least is wasn't presented in the dispute. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries on my report that I never approved. Please delete them under 15 USC 16c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a contract with XXXX XXXX XXXX out of XXXX XXXX Nevada for 10 years. All of our payments had been made on time. After attending a meeting in XXXX XXXX in XXXX of this year, we were notified of info that we did not agree was a part of the contract we originally signed.. We have made numerous attempts to get in touch with their legal dept to no avail. In XX/XX/XXXX, we stopped making our payments to try and get a response from their legal department. We were contacted by someone from their legal department ( we later found out that it was a paralegal and not an attorney ) and were told at that time that our credit would not be affected as there were questions concerning our contract, and that an attorney would be contacting us to answer our questions. Again, we were not contacted by anyone. We made numerous attempts without any resolution. In the meantime, we saw that our missed payments were referred to Experion. This greatly affected both of our credit scores. We filed a complaint with Experion and we were told that XXXX would not tell them that any such agreement had been made. They said that XXXX 's report was in compliance with the fair credit reporting act and that nothing could be done to change it. We still haven't been able to correct our problem with XXXX.
Product: Debt collection

I am writing to bring to your attention a pressing concern regarding inaccurate reporting on my credit file. Despite submitting documentation for a proper investigation, the issue remains unresolved. Account Information below. 

ACCOUNT CLOSE ACCOUNT NUMBER DATE OPEN XXXX. XXXX XXXX, XXXX XXXX XX/XX/year> The dispute revolves around a vehicle that was voluntarily turned in, yet it is listed as a repossession on my credit report. Notably, all payments were up to date on the vehicle at the time of its return. 

Furthermore, I have learned that Experian, one of the major credit reporting agencies, has failed to implement basic matching tools designed to prevent or significantly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. This oversight has resulted in Experian not to delete information without proper certification, notification, or consumer recourse. 

Specifically, Experian has not implemented procedures to : Compare dates of first delinquencies Verify recent credit balance amounts Confirm high credit balances A signed contract or agreement between myself and XXXX XXXX XXXX that confirms my liability for the debt. 
An itemized statement or account history that outlines the specific transactions and activities related to this debt. 
Proof of any communication from me acknowledging the debt or agreeing to be responsible for it. 

As a result, consumers like myself who have disputed the accuracy of an account and believed their consumer report had been corrected are instead faced with the same inaccurate information reappearing on their consumer report without explanation under the name of a new furnisher. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take necessary actions to ensure that Experian and other credit reporting agencies implement adequate procedures to prevent the reinsertion of previously deleted tradelines and protect consumers ' rights.
Product: Debt collection

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX  XXXX XXXX XXXX  This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Product: Credit card or prepaid card

I opened a Capital One Venture X account. I filled out the application and I was approved for the card. There was a welcome bonus on the card of XXXX miles if I spent XXXX dollars in the first 3 months. Right when I was at XXXX, they flagged my account and asked for 3 months of bank statements. Upon review, they concluded that there was an inconsistency in my income coming in and the amount that I had listed on the application. I verified with the representative that the amount that is supposed to be listed on the application was my gross annual income. Yet, they only consider the amount coming into my checking account, without accounting for tax withholding, retirement contributions, and money routed to other accounts. They charged me for the annual fee, which is XXXX dollars, when they closed the account after a month. Their policy states that customers can not use paystubs as verification, but only bank statements. This is predatorial behavior.
Product: Debt collection

I received a notification today that Northwest Collections added a collection account to my credit file for {$110.00}. It shows original creditor XXXX XXXX, which I assume is a medical bill? Ive never had any business with this original creditor and even if I did It would have been paid because I have HMO insurance which cover any cost at 100 %. I have a primary care physician thru my HMO. I have never heard of this collection agency either. I havent received any letters, nor calls. This is a bogus debt that needs to be removed immediately. Its very upsetting these people would try something like this during a pandemic
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 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 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 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 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 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 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 . 15 U.S.C 1681 Section 602 A. States I have the 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.

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

Carrington Mortgage Services ( CMS ) has capability on BOTH their App & Website to pay ahead and/or pay off escrow accounts, I paid EXTRA and they DIDN'T APPLY IT TO MY ESCROW ACCOUNT AND SENT BACK A " SURPLUS CHECK ''! JUST ANOTHER PREDATOR LOAN TACTIC IN ORDER TO KEEP CUSTOMER FROM PAYING ESCROW ACCOUNT AHEAD AND LOWER INTEREST AND/OR MONTHLY MORTGAGE PAYMENTS!!!
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, 5 accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX an Equifax was not helpful to resolve. This matter XXXX and Equifax is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX Equifax, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Money transfer, virtual currency, or money service

XX/XX/21 did a wire transfer of {$78000.00} from my XXXX XXXX account to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO to her US Bank account, so she could buy Bitcoin. Never received any correspondence or verification of any purchase from her. 

XX/XX/21 I reached out to XXXX XXXX  and spoke with the branch manager to report the fraud. She indicated that they should be able to claw back the funds from US Bank. I also called US Bank to let them know as well that I was defrauded by XXXX XXXX. 

XX/XX/21 I received a check from XXXX in the mail for {$970.00}. I was told by by the branch manager at XXXX XXXX  that it was all US Bank could get back. 

Why is XXXX XXXX allowed to have an account at US Bank and why am I not made whole by US Bank?
Product: Vehicle loan or lease

In XX/XX/XXXX we bought a used truck from a big car dealership in XXXX Fl. They financed it with XXXX, big office in XXXX. The truck was paid off in XX/XX/XXXX. We have the title, someplace. In XX/XX/XXXX the registration had to be renewed, we could not do it on-line, as we had done for 10 years. I went to Florida DMV and they could not renew the tags because there was an electronic lien on the truck. WFS/Westlake financial services, we never had a loan of any kind with them, had placed a lien. We can not sell, donate, give away this truck or renew the tags with their lien on the truck. I called customer care (? ), was put on permanent hold, after endless transfers, they only wanted my loan number, don't have one, nobody knew about electronic liens, nobody had a name, was hung up on three times. My truck is being held hostage by WSF/Westlake financial services. At some point, I will get a bill to release the lien. If you are buying a car, motorcycle, anything, do not use WFS/ Westlake financial.
Product: Checking or savings account

My mom had her XXXX money stolen. Thursday, XX/XX/2021 {$900.00} was wayhdrawn without authorization, leaving {$14.00} dollars. 

We put a complaint with Bank of America on XXXX, they said they would mail something, but have not reviewed follow up. 

We made a police report In out city of XXXX, but they did not want to file because they state the fraud was made out of town. 

We filed a complaint of unauthorized withdrawal of {$900.00}. XXXX then froze / suspended account. To call XXXX @ XXXX XXXX XXXX to talk to level 2 supervisor. 

We have been calling to talk to XXXX further, but calla keep ringing. 

We received a new XXXX card, but the XXXX claim has been suspended due to the fraud complaint we placed and we are unable to see details of our XXXX account. 

Our {$900.00} was stolen within a day, please help. Thank you God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX  XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed terms on my credit and inquires that they so. Call said i had a freeze on my credit so my credit shouldnt got ran until they spoken with me first before they run my credit
Product: Payday loan, title loan, or personal loan

I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the XXXX, as directed by section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice XXXX XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions.
Product: Student loan

I applied for a loan consolidation with XXXX XXXX in XX/XX/XXXX because they already held a bulk of my graduate student loans. During the process of the loan consolidation, I indicated that I was unemployed and submitted an app for an Income based repayment on XX/XX/18 ; along with the app, I uploaded my spouse paystub to my online account with XXXX as directed by a representative. I received a text message from fedloan stating In order for my Income repayment plan to be considered I needed to upload supporting documents so I called in twice, once in XX/XX/XXXX and again in XX/XX/XXXX regarding this uploaded paystub ; I notified the reps each time that I had already submitted the paystub and each time it was confirmed they could see the paystub.On XX/XX/XXXX, I received notification the consolidation was completed with no mention of the income repayment plan. On XX/XX/XXXX, I received another text from XXXX stating my payment is coming due on XX/XX/XXXX, etc. so I logged into my account to see why I had a payment due when I had applied for a repayment based on my unemployment. When I logged in I see a notice stating I needed to provide a paystub for my repayment plan so again, I call into customer service and the rep tells me it was denied because they didn't know how often my spouse was paid. Once I told him where to find this information on the stub he advised me he would resend the app for review ; I was never notified or contacted about this missing information until I reached out to them to check on the status. As of today,, XX/XX/2018 my account is now showing in a 5 day delinquent status. I sent an email ON XX/XX/18 inquiring about the status of my repayment plan and the reply back On XX/XX/18 stated it's still pending as of XX/XX/XXXX and not the original date I submitted it months ago. I have not been able to get this escalated and resolved with XXXX ; I am only getting the runaround about my account that I have diligently attempted to resolve prior to going into a delinquent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was involved in identity theft and my checking account with PNC Was compromised and in the time it was comoromised $ XXXX was moved through it and when i noticed this, i immediately call PNC to report this. Upon completion of report i was told theh would reach out if any additional info is needed. They closed my account and put some kind of restriction that prevents me from opening an account with any other financial institute. This is very fraustrating given that i noticed the irregularity reported it and yet i get penalised for it. Ended filling a police report which was approved. Now hoping PNC can remove this so i can open my saving accounts.