Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Vance and Huffman , LLC has reviewed the complaint submitted by XXXX XXXX. Our records show our office obtained the XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. This account was originally opened XX/XX/XXXX. Funds obtained from this loan were deposited into the XXXX XXXX XXXX account ending in XXXX. Validation of this account has been supplied to XXXX XXXX in response to her disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account has been in a dispute status since XX/XX/XXXX and all collection efforts have ceased since that time. 

Then why is this account still reporting on my consumer reports. Again this is an alleged debt so please provide me with the proof I owed Vance and Huffman , LLC any alleged debt please show me where I have had an account with Vance and Huffman , LLC, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if Vance and Huffman , LLC is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. 

I also request the following documentations listed bellow to be certified and sent with your response. 

Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.

Notice To Agent notice to principal
Complaint sub-issue: Reinserted previously deleted info

On XXXX/XXXX/XXXX I received my XXXX bureaus credit report from XXXX and the federal tax lien had been deleted from equifax ( the other bureaus had previously deleted the federal tax lien showing on my credit report in response to my dispute. Equifax had deemed the account as verified and refused to remove it so I responded with another letter disputing the validity of the tax lien, stating that I am requesting proof that the XXXX validated this tax lien because I have in a letter from the court that they do not report to any credit reporting agency. ). The lien was removed from my equifax credit report on XXXX/XXXX/XXXX and reinserted on XXXX/XXXX/XXXX. I never received notification of the reinsertion. This is in direct violation of the FCRA Section 611 Part A ( 5 ) ( B ) ( ii ). Equifax never notified me of the reinsertion and furthermore this lien does not belong to me and I have spoken with the XXXX and they do not report to any credit reporting agency.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Complaint sub-issue: Account information incorrect

In accordance with The Fair Debt Reporting Act XXXX  Account with XXXX XXXX XXXX. has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXX. I was then advised that I needed to open another dispute with XXXX which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX is refusing to remove it.
Complaint sub-issue: Account information incorrect

Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect
Complaint sub-issue: Information belongs to someone else

on XX/XX/2022 i sent letters to XXXX, Equifax and XXXX about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, Equifax and XXXX on XXXX because they didn't remove XXXX  XXXX  A/C # XXXX 2.XXXX/XXXX  A/C # XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete
Complaint sub-issue: Deposits and withdrawals

Last week my mother and wrote me a check that falls within Ally 's deposit limits ( {$50000.00} ). I anticipated that a hold would be placed on the funds for 7-10 days, which I've found to be pretty standard for large sums that are atypical transactions. 

I have 4 accounts with Ally : 1. HYSA, 2. checking, 3. Roth and 4. Traditional IRAs. 

I deposited the check last Friday. Early Saturday morning ( XXXX ) I received a flurry of emails from Ally telling me to contact them immediately- that my accounts had been locked until I verified information. 

ALL of my accounts had been locked. Not just the pending deposit, or even just the checking account that deposit was made to, ALL of my accounts were locked and are 100 % inaccessible- even to view. 

I contacted them immediately ( per their email ) and was told that the representatives working were unable to answer any questions regarding my accounts, why they were ALL locked, and advised me that I would have to wait until Tuesday ( Monday was XXXX XXXX ) to speak with someone from Loss Prevention. 

Tuesday : I was able to talk with a rep from Loss Prevention who told me they needed to verify the check with my mom 's bank before they could unlock my accounts. I asked to speak with a supervisor to discuss if they could release the lock on my savings and investments at least and was told that their supervisors don't take incoming calls .... so maybe they'd call me back once the rep talked with them. I did not hear back from anyone. 

Wednesday : I give them the benefit of the doubt that they are working to get in touch with their fellow banking institution to verify the deposit. I confirm with my mom that the funds have cleared her bank. 

Thursday : I call to check on the status as I still have no access to my accounts ( I can't even pull statements I need to send to a lender for a property transaction in progress ). I'm told that they got in touch with someone at my mom 's bank but that bank wouldn't release information about if the check was funded. They proposed NO next steps. I request to speak with a supervisor and am again denied. 

As of this complaint my accounts have been unlocked- I received no notification and was informed after calling multiple times- the rep acted as though i just should have known. 

I am in the process of purchasing property, which is what the gift from my mother is supporting. I am deeply concerned that I'm not going to be able to access these funds at closing and that there is a high likelihood that I will again be locked out of my investments and savings accounts when I attempt to use/transfer these funds ( another large transaction ). If even a deposit can result in this level of inaccessibility I can only imagine the same for a withdrawal. 

At this point I want to move all of my funds out of Ally bank and am not able to get information from them as to the process by which to accomplish this without triggering additional account locks.
Complaint sub-issue: Talked to a third-party about your debt

Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

This summer, Brooks Brothers transitioned my store card to a XXXX. I had a certain amount of time to accept the offer and then the old card balance would be transferred and a new XXXX would arrive. On XXXX XXXX, I tried to make a payment on my store card, which was due XXXX XXXX. The balance was XXXX out. No payment was due. My replacement card was supposed to be sent on XXXX XXXX. I have not received it. Nor do I have the full account number to access details on the automated system. Yesterday, I received a bill saying the XXXX payment was past due and I was levied a fine. I logged in again last night and, again, my balance was XXXX  out and no payment was due. I tried the number on the back of the card [ XXXX ] but that now funnels me into a line that says they are trying to collect a debt. I chatted with a customer service rep last night but that was no help. I do not know when I will receive information about the XXXX account, which appears to have been activated. And I can not reach a human being over the telephone. I took a screen shot last night that shows I am physically unable to make a payment. I should be able to make last month 's payment and future payments and I should not be charged a late fee or missed payment fee.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Information belongs to someone else

These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included
Complaint sub-issue: Trouble with how payments are being handled

I took out four XXXX XXXX XXXX  at the same time to finance my graduate school education. I have been paying on those loans consecutively since XXXX, first through XXXX XXXX and now through XXXX  XXXX ( U.S. gov. ). Since I am a XXXX   at a XXXX XXXX, I always planned on applying for the Public Service Loan Forgiveness program. I have now applied for that program, but XXXX XXXX says many payments for the first two loans were under a standard payment plan for 2 years and those payments are not qualified for PSLF. So, I now have two loans eligible for forgiveness in XXXX and the two ( larger loans ) not eligible until XXXX. This means I can not take advantage of the XXXX XXXX XXXX XXXX at my university. I will be well into my XXXX when my loans are forgiven. I do not believe I should be punished for making LARGER payments, under a standard repayment plan for two years. Nobody at XXXX XXXX offered any counseling saying that type of repayment plan would be disqualifying for PSLF. This whole program is very misleading.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

To Whom it may concern, I have misplaced/lost my Sunbit Credit card on Friday XXXX. Fraudulent transactions have been occurring. 
I went online to check my balance, and it seems like a person has been using my card at stores such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX for over {$70.00} on Saturday XX/XX/2022 and Sunday XX/XX/2022. 

I currently do not have possession of the card. My family does not have access to it. Definitely, somebody has been using it without permission. 


thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent over copies of my FTC report for fraudulent inquires on my credit file. Some of them were removed. On XX/XX/XXXX, I send certified mail my 4th request to have these inquires removed along with the FTC report. I called on XX/XX/22 the first representative I talked to informed me that they were not all removed because I put a date beside the Company 's name. I then asked to speak to a supervisor and was left on hold for XXXX XXXX XXXX XXXX XXXX before the call was disconnected. I then placed another call to Equifax and spoke to a supervisor. He then told me I need to file several more FTC reports because Equifax only remove 3 from the FTC report. At no time was I ever informed of this. I submitted the same information to XXXX XXXX XXXX  with no problems.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, XXXX and Equifax to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You