23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Subject : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all collection efforts related to the account referenced below : Account Number XXXX Despite my request for clarification, I believe your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may be causing unwarranted distress. Specifically, sending letters to an address I no longer reside in, causing me to receive this information up to one year late I am hereby notifying you that I do not owe the stated debt, or if I do, I dispute the amount or validity of this debt. Under the FDCPA, I am entitled to request validation of the debt, and I ask that you immediately cease all communication with me until you provide proof of this debt, as well as any relevant documentation supporting your claim. Please consider this letter my official request for debt verification. 

If you continue to pursue collection efforts without providing adequate validation or continue any harassing actions, I will consider taking legal action to protect my rights and seek all available remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This letter serves as a final warning to cease all attempts at contact, and I expect your immediate compliance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

During this time period I was Incarcerate form XX/XX/XXXX until XX/XX/XXXX. I never had a XXXX phone. I filed a Identity Theft Report on XX/XX/XXXX. I called the collection agency and spoke with XXXX XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credi report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

During XXXX I called sequium to settle a time barred debt I have with XXXX. Excepted a settlement offer. When payments did not come out of my account as promised, I called sequium and was told payments failed. I have no idea why, because the money was in my account. The rep spoke with claimed my settlement offer. Supervisor XXXX XXXX magically found the offer in the payment system. Made payments with her. I asked why the settlement offer was not showing on my account on the website. She said that something I need to do on my end Today ( XX/XX/XXXX, information was still not visible on my account. I called and AGAIN representative tried to collect Full amount of the debt. Supervisor XXXX   informed me that I would not get information about the settlement until ALL PAYMENTS WERE MADE. I called back and was informed by another supervisor that I should contact the compliance department through email. However, he could make no promises about any documentation. 

I am applying to take the XXXX XXXX XXXX  in Texas. I am required to provide information to the character and fitness committee, showing that I am making satisfactory arrangements on my debts. 
Believe I am entitled to this information. I have gotten this information from other creditors. I have no idea why I am having to jump through these hoops.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX  XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney contact Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding this debt being too old to collect. FCO agreed this debt is too old to collect and stated they would not pursue collections, but refused to remove this item from my credit reports.

I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid.

I spoke with someone from FCO and they said they have no intention of removing as the debt as having in on my credit reports gives them the potential of getting paid.
Product: Checking or savings account

Robinhood prevented me from withdrawing cash starting XX/XX/2022 ( attachment # 1 ). 
Robinhood noticed me that additional verification is required to withdraw to this bank account and I can withdraw to the bank account where money was originally deposited from ( attachment # 2 ). 
I have provided all doc per Robinhood 's request on XX/XX/2022 but Robinhood refused to give me a resolution as of XX/XX/2022 ( attachment # XXXX ). 
My withdrawable cash is {$5000.00} as of XX/XX/2022 ( attachment # 4 ). 
And my {$5000.00} withdrawable cash is originally deposited from my XXXX XXXX  account and is available as of XX/XX/2022 ( attachment # 5 ). According to the terms of Robinhood, I am supposed to withdraw the {$5000.00} cash to my XXXX XXXX  account where money was originally deposited from ( attachment # 2 ). 
But Robinhood still prevented me from withdrawing the {$5000.00} after XX/XX/2022 ( attachment # 5 ). 
I have contacted Robinhood more than 20 times since XX/XX/2022 ( attachment # 6 ). But Robinhood still refused to give me a resolution.
Product: Credit reporting or other personal consumer reports

I asked for the original company to provide me with the account number and information, I was told my account was sold to a different company. I asked this from all three credit companies, XXXX.Equifax, XXXX these companies have violated my privacy.By fair action law each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of its customers no public personal information according to the law15 USC 6801 they have failed to delete the disputed information that had been requested, By law all debts on my report must be deleted, these errors on my report are stopping me from moving forward in life, and is causing a great toll on me and my children life.
Product: Credit card or prepaid card

Since XXXX, my name has been used for different loans and credit cards for different amounts of money. However, I got my XXXX number XX/XX/XXXX. I have only one debt with XXXX financial as of XX/XX/XXXX. When I log in to check my credit, there is XXXX account open in my name, that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I don't recall specific date in was in around XXXX of XXXX I send monthly via XXXX to XXXX XXXX {$650.00} and up. That specific month the transfer did not go thru the number was changed by 1 digit. I called the bank right away they took months to investigate and told me that the number was off by a digit and i lost the XXXX they were going to send notification to the bank it transferred to i never heard from them again.
Product: Credit card

Opened card in XXXX of this year with CITI. XXXX XXXX branded card. Have paid all bills in advance each month open. XXXX Valid checking accounts, both fully linked via XXXX service provider. Citi indicates these are not verified ( even though they have received and processed payments from both ). 

I tried calling Citi when out of country, they refused to do anything and fraud department was XXXX minute wait at {$0.00} cents a minute, no thank you. 

Citi has begun randomly declining purchases and even though I have made the signup bonus threshold amount many times over, are likely going to try to weasel out of the bonus miles/points. 

Citi refuses to close the account without me reading some number off a US Mailed letter and will not let me use the card until then, I am not home yet. They refuse to verify via text, via secure messages, via chat, only voice, and refuse to close the account. 
Citi is so far, the hardest and worst bank I have dealt with, having worked with XXXX, Amex, XXXX, and numerous others, who far surpass Citi 's ability to service their customers.
Product: Checking or savings account

I have a joint checking account at JPMORGAN Chase Bank, It is XXXX. 
I work as a Mortgage Loan Originator with XXXX XXXX, XXXX, NY, a Mortgage Broker Firm. 
A mortgage loan was closed on XX/XX/2023. 
My share of the broker commission is {$14000.00}. A check of {$14000.00} was drawn by XXXX XXXX on XXXX Bank payable to me XXXX. This check was deposited on XX/XX/2023 into my Chase account XXXX. The chase XXXX XXXX. is XXXX. 
Chase Bank did not give the initial credit of {$220.00}. On the other hand, Chase Placed a Hold on the check, with a hold release date of XXXX XXXX. 
I contacted the Hold Department of Chse three times. But I failed to get the lifting of the Hold and Release of the funds. 
This appears to be violation of the Expedited Funds Availability ( Regulation " CC '' ) by Chase Bank. 
I am contacting CFPB for investigation and redress. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the company Equifax. They are not able to locate me in their system. I am being denied a bank loan due to a freeze on my credit account and am being told by the other two major credit reporting bureaus that they do not have a freeze listed on my account. I need to resolve the freeze issue, but first I need to verify that Equifax has a freeze on me. Equifax can not locate my account though.
Product: Debt collection

Im not in collections and using my credit card. I have not been notified that Im in collections because Im not. So I dont understand why I keep receiving calls from this number and another similar number about debt that isnt owed. Im using the credit card normally. Its never been late. No voicemails left either. I only know it might be Capital One because I googled the number not because I answered. I dont answer spam calls. I google them before answering them.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX  XXXX XXXX XXXX on a debt in which the statute of limitations has well expired. I have disputed the collection with PORTFOLIO RECOVERY ASSOCIATES , LLC several times to no resolve. They are now refusing to accept my disputes. They are trying to state my disputes are frivolous and that I need to provide proof however, they have never legally provided debt validation despite my numerous requests. The burden of proof is on them and they are refusing to comply.
Product: Debt collection

There is an XXXX XXXX in XXXX MD where someone opened an XXXX account in my name, without my knowledge. I contacted the collection agency and provided proof this debt was not mine, they were not cooperative. 

. I still contest this collection, as it is very apparent that someone else opened their electric account in my name, and paid on the account from XX/XX/XXXX through XX/XX/XXXX. I researched the property in question, and found that is an XXXX XXXXXXXX. I reached out to the property management agency, and have attached a letter from the agency stating that I HAVE NEVER LIVED THERE. 

As there is issue with the lease beginning in XXXX of XXXX, I have also attached copies of my XXXX XXXX from XXXX XXXX during the periods of XX/XX/XXXX- XX/XX/XXXX. 

I again request this be removed from my credit file, as it very apparent someone used my identity to open their XXXX account without my knowledge
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of First XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Mortgage

XXXX XX/XX/XXXX I tried to start an online payment setup with Specialized Loan Servicing. I had been paying my mortgage through my bank 's online check payment service. I was unable to get set up. 

I received a notice that my payments were behind but I had been making payments all along. I attempted to speak to someone about this and was told they didn't show any of my payments in their system. I contacted my bank ( XXXX ) and they showed all the payments had been made and processed ( monies withdrawn ). 

During this process I realized I had missed one payment in XXXX of XXXX but all other payments had been paid. They indicated I had missed 7 payments but my banking shows otherwise. I tried multiple times to speak with someone and was bullied and yelled at. My XXXX and XXXX payments have been returned to my bank account. I find that odd that they didn't receive payments but could return payments made electronically in the same way the other payments were made! 

We have faxed and emailed two separate times proof of the payments made. I received a notification afterward that I needed to pay over {$5000.00} to get my account caught up. 

They have not done anything to adjust the account to show payments I can prove. They just continue to bully me when I call in. 

I am making 3 payments - the one missed in XXXX and the two that were returned for XXXX and XXXX. I am at a loss as to what to do next. They only threaten foreclosure. I don't wish that to happen and have made every effort to work this out through normal channels.
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and saw accounts reporting that i do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the student loan reporting late payments. It was never rectified after investigation.
Product: Credit card or prepaid card

I have a credit balance on my rewards card. I called to have it transferred to my Citi savings account. Instead Im told I must mail in a request for my own money to be put in my account. Citi needs to do this over the phone or at least give me an email address to get this deposited into my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU EQUIFAX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH XXXX XXXX XXXX AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( EQUIFAX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Mailed XXXX XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be 100 percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report