23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing this letter to formally contest the collection actions conducted by Jefferson Capital Systems concerning an alleged debt reported to consumer credit bureaus. I have recently discovered that this agency has contravened several federal statutes, notably the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My primary concern is the agency 's failure to provide the necessary validation information mandated by 12 CFR 1006.34 ( b ) ( 5 ) prior to reporting the collection account on my consumer report. This omission infringes upon my consumer rights and represents a distinct violation of federal regulations intended to safeguard consumers from inaccurate and unsubstantiated debt reporting. Moreover, I have not been afforded the opportunity to dispute the alleged account in accordance with 12 CFR 1006.34 ( c ) ( i ). This collection agency 's actions in this regard not only deprive me of my right to challenge the accuracy of the debt but also constitute an unfair and deceptive practice under the FDCPA. In addition, the agency has failed to provide the necessary disclosures required by law before furnishing the account information to consumer reporting agencies. This lack of compliance with 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ) is a serious violation that jeopardizes the accuracy and integrity of credit reporting systems. Furthermore, I hereby revoke any authorization for communication via email, text, or phone calls as per my rights under the FDCPA. In light of the foregoing, I am formally requesting the following actions to be taken : 1. Immediate cessation of all collection activities related to the alleged debt pending the outcome of a thorough investigation into the violations outlined in this correspondence. 2. Validation of the alleged debt as per the requirements of 15 U.S.C. 1692g, including but not limited to the original creditor 's purchase agreement, account statements, and any other documents supporting the validity of the debt. 3. Proof of the agencys licensure and bonding as required by applicable state laws and regulations. I trust that your agency will take this matter seriously and address the concerns raised. 
Sincerely, XXXX XXXX
Product: Debt collection

I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.
Product: Debt collection

I have reached out to this agency in regards to an alleged amount {$250.00} owed by myself. I asked them to itemize the debt on top of provide my signature with me giving my medical provider permission to share my information with a third party. This is a HIPPA violation. None of these documents have ever been reported back to me.
Product: Credit card

In accordance with the fair credit reporting act DILLARDS/ CBNA has violated my rights under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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.
Product: Debt collection

In a recent review of my credit report ( XXXX XXXX, 2016 ) I noticed a collection agency ( Source Receivables Management ) that I have no recollection of, placed a collection account on my credit report alleging that I owe a balance of {$230.00} resulting in a derogatory trade line. Source Receivables Management NEVER contacted me via phone nor mail regarding this collection account prior to placing the account on my credit report. Under the laws mandated by the Fair Debt Collections Practice Act ( FDCPA ), and pursuant to 809. Validation of debts [ 15 USC 1692g ], I am entitled to be privy to this information prior to a collection account negatively impacting my credit report. As a consumer who is familiar with the laws and regulations regarding collection agencies and credit reporting, I knew my consumer rights were violated by Source Receivables Management once I saw the collection account trade line on my credit report and never received any formal documentation in the mail, nor was a phone call ever received prior to SRM placing the collection account on my credit report. Immediately after I was aware of the negative trade line placed on my credit report by SRM, I mailed SRM a certified letter ( XXXX XXXX ) with a return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX ) informing SRM of their FDCPA violation and requesting formal validation with proof that this is my account that I owe SRM, and to immediately cease all collection efforts as SRM did not comply with the FDCPA while attempting to collect on this debt. To this date, I have not received any documentation in the mail, nor has any communication been made with me from SRM in an effort to validate the debt. In addition to my efforts at trying to acquire validation of this debt from XXXX, I have also had an attorney mail out formal notarized letters on XXXX XXXX and XXXX XXXX requesting validation and to no avail, our efforts have been unsuccessful and SRM still has not communicated with myself nor my attorney. I also filed a formal complaint with the XXXX of North Carolina/XXXX on XXXX XXXX and am still awaiting a response. At this time I am reaching out to the CFPB to assist me with getting SRM to comply with the FDCPA laws.
Product: Debt collection

The week of XX/XX/XXXX midland management was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me ups packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.
Product: Credit card

In the beginning of this year 2023 Im not sure the exact date because I have been through XXXX fraud claims for this exact transaction. The first claim was resolved the second claim I had to get a whole new credit card account for my credit card that was resolved. The third claim the denied and they are denying to reopen the claim about a transaction of {$7000.00}. I cant remember the exact amount and it wont let me look up the amount on my account, but it was a transaction for almost {$8000.00} for a car rental company that I did not make but the bank is refusing to re-open the claim and its also refusing to refund my money back because they claim that the rental company has provided my name and my credit card information to them. Confirming that it was a transaction made through me, but I did not make a transaction at a rental company. I didnt even have a valid drivers license at that time so Im not sure if it was someone around me or someone they had access to my information but I keep calling and trying to resolve this situation but the bank is not helping at all anymore and are refusing to resolve this situation.
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. 

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 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 fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

i get my paycheck direct deposited to card, com inoticed a charge i didnt make i contacted them we changed my pin i tried to log in to see my account i was locked out i contacted customer service and because i couldnt get into my XXXX  for 10 because of not knowing my password and changing numbers XXXX dollars was spent out of my account and i authorized nobody to use my money they killed my card and sent me a new one i have both cards and never have not had both cards they tell me no error was found and are trying to keep my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute two inquiries on my account. The first inquiry is by XXXX XXXX/Paramount Residential Mortgage Group on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only XXXX XXXX on the inquiry. These were made without my consent or knowledge. The company Paramount Residential Mortgage Group was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from XXXX XXXX on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from Paramount Mortgage Group on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by Paramount and XXXX XXXX. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with Santander XXXX for about two years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting Santander know of the change and pay off. I submitted a contract to XXXX, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to Santander XXXX and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with XXXX XXXXXXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held XXXX. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with Santander XXXX has been about paying them and holding my report XXXX just so they get there money.
Product: Credit card or prepaid card

During the late morning of XX/XX/2022, I attempted to login online to my XXXX CHASE credit card account. Four times I clicked " send me a code ''. Not only four times, but six times, Chase telephoned me- each time with a recording stating that " this is not a valid entry. Goodbye. However, I did not have a chance to enter anything, all I did was say hello. But, while doing so, the XXXX DESIGNED XXXX XXXX  about not being an entry and hung up. Clearly, J. P. Morgan Chase Bank has a malfunctioning online IT system. Moreover, starting at the top with billionaire leftist fascist CEO XXXX XXXX, there is no accountability, no responsibility to the consuming public.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XXXX Balance XXXX XXXX and XXXX XXXX  Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well- being and personal security. I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file 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
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against PNC Bank regarding the restriction placed on my ability to use the XXXX money transfer service. Despite being a loyal PNC Bank customer for over 18 years, I am deeply disappointed by how I have been treated in this matter. 

My XXXX account, linked to my PNC Bank account, has been blocked from using XXXX services. I have contacted PNC Banks XXXX department multiple times to request an explanation for this restriction. However, I have been met with a lack of transparency and no substantive response to my inquiries.Their refusal to provide any justification or details has left me feeling unfairly treated and without recourse. 

As a customer of PNC Bank for the last 18 years, I have always maintained my accounts responsibly. I have never engaged in any fraudulent activity or transactions. To my knowledge, there have been no issues that would warrant this kind of treatment. Despite this, PNC Banks actions and lack of transparency have made me feel as though I am being accused of fraudulent behavior. This is not only unjust but also deeply hurtful, given my long-standing relationship with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : 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

TransUnion has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give TransUnion my written consent to do so. TransUnion is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent TransUnion please send me a copy of the letter that I handwritten and gave you my permission.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer reports, and I noticed some accounts, late payments, addresses and inquires posted on my credit reports. In accordance with the fair credit reporting act EXPERIAN has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS, ADDRESES AND INQUIRES IN QUESTION LIST BELOW. 

15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 



15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TOA CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 





XXXX XXXX XXXX ACCT # XXXX US DEPT OF EDXXXX ACCT XXXX XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX XXXX XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these XXXX 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 

XXXX XXXX Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose INSURANCE UNDERWRITING. Attached is the docu sign contract and my name is not on the contract nor signed by me, XXXX XXXX XXXX Requested Credit Report on XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

XXXX XXXX XXXX Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act convergent Accoucht : ( XXXX XXXX XXXX XXXXXXXX XXXX  ) have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXXXXXX XXXX XXXXXXXX Update status on dates followed to current/paid as agreed or delete from consumer report immediately. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.