23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX  - Loss of productivity and time : $ XXXX  - Emotional distress and inconvenience : $ XXXX  2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Product: Debt collection

I have a XXXX realtors liscence and my company is sampignato.com. Buy and sell mostly luxury properties in cental and southern XXXX as in XXXX nigual or XXXX point. My credit scores are always between XXXX to XXXX or so. Purposely because its my funds to reinvest. Loans. Yesterday with no call, mail text.. from XXXX financial XXXX agouro hills XXXX XXXX XXXX bill. They sent to credit agencies a bill was not paid for XXXX XXXX My scores dropped XXXX pts. I had no isea what bill it was.. again they did not contact me at all.. phone is easy. Its illegal and of course mean. But my complaint not only one anout them. Turns out becsuse i was traveling for some time after selling my home in XX/XX/XXXX i had no forwarding address. For XXXX would i destroy my credit. .. this company has numerous violations of new laws .. the orig lender is san dieho gas and electric. Ive had extensive conversations today .. they are shocked at destroying my credit ( temporarily ) svore.. i was in process of looking and buying for last few months. So vacation rentals now at XXXX a vicious assalt at my age of XXXX gor XXXX $ and a bill i never was giving courtesy to pay. Once again this is illegal.. and of course very gang like.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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. 



XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX IXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. The following accounts were already deleted by the other reporting agencies because they were unable to provide proof of verification. TransUnion is held liable to the same duties under the Fair Credit Reporting Act and should not act above the law by any means or I will seek litigation due to violations and injury willfully done by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For approx 11months I've had numerous errors on my XXXX report and the credit bureau refuse to remove errors per FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc XXXX, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all XXXX credit BUREAUS, reported on XX/XX/XXXX, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act, Metro2 compliance, Regulation V, and GAAP. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. There are inaccuracies and discrepancies in the PAYMENT HISTORY, ACCOUNT NAME, OPEN/CLOSED ACCT, ACCOUNT TYPE & ACCOUNT #. THESE INACCURACIES ARE CAUSING HARM/INJURY TO MY WELL BEING, PLEASE DELETE FROM ALL CREDIT REPORTS IMMEDIATELY. 

XXXX has already verified and deleted all accounts from credit report, but Transunion and XXXX are still reporting accounts. Attachments show that XXXX has deleted the account via disputes CFPB.gov. ( Submitted on XX/XX/XXXX, complaint # : XXXX ) LIst of Accounts deleted via XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** Jefferson Capital System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

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

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Home Update Loan taken out with Lending Club in XX/XX/XXXX, monthly payments auto-deducted from bank account on XXXX of each month until paid in full on XX/XX/XXXX with proceeds from sale of home - made final payment by phone thru company representative. 

Upon receiving a payment on XX/XX/XXXX, I immediately responded by email to bring the error to their attention and provided my contact information should they require more information. I've made multiple attempts to connect with them by phone and sent several emails explaining the situation, only one of which received a viable response - in response to my XX/XX/XXXX email, I received an email stating they were reviewing the situation and would respond in 3-5 business days ; there's been no follow-up response to this. 

Today XX/XX/XXXX, I received a credit monitor alert that Lending Club has reported my account delinquent. 

My complaint is that this company has terrible customer service and is unnecessarily challenging to communicate with. 

Attempts to contact : XX/XX/XXXX : attempted to contact by phone 2x, was disconnected each time. 
XX/XX/XXXX : attempted to contact by phone, waited on hold for 135-minutes only to be disconnected. 
emails received : Payment Reminders XX/XX/XXXX, XXXX, XX/XX/XXXX ; Payment Solicitations XX/XX/XXXX, XX/XX/XXXX, XXXX ; Loan being reviewed XX/XX/XXXX ; and, auto-responses to each email sent. 
emails sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a notice that from XXXX that a collections was added to my credit report. I contacted Diversified Consultants and requested information about this account. They informed me that XXXX instructed them to add this collection to my credit report. This account was previously disputed in on XX/XX/XXXX and was verified as paid by XXXX and was removed from my credit report. On XX/XX/XXXX I contacted XXXX to establish new services and inquire about this past due account. The customer service rep informed me that there was no balance due on any past due account and that she made sure to remove the account from my records with a balance of XXXX. This was reported to Diversified Consultants on XX/XX/XXXX but they stated that XXXX was the one who reported to the credit bureau and not them and they refused to remove the mark. I spoke with the XXXX collection department who verified that no balance was due. They stated that they would file a ticket to stop the collection company from contacting me. They also informed me that XXXX does not authorize anyone to post on there behalf. XXXX also created a complaint ticket against the collection agency to stop them from trying to collect on this account and to provide proof that the account has a XXXX balance. The ticket number with XXXX is XXXX. The balance has been report as XXXX since the account was closed and the equipment was received.
Product: Checking or savings account

Hello XXXX was taken from me and my Wells Fargo bank dose not want to give me my money back to my account!
Product: Consumer Loan

I got into a car accident shortly after getting this loan and had changed jobs. I bought all three insurances from the lender to make sure if anything happened to me the loan would be covered and not harm my credit. I missed a payment and all the huge fees and fines snowballed the insurance I purchased would no longer cover me since the way I get paid changed. I continued to make payments and get caught up they continued to report late payments regardless even though I worked out an agreement. I was actually paid ahead XXXX XXXX and still reported me late. My loan was always paid ahead since. I have paid off this loan XXXX XXXX in full and the loan is still reporting as open with a dollar balance. I was sold fraudulent financial products such as the insurance and have now suffered harm to my credit because their bogus products to protect people from these circumstances are fake. The late payments need to be removed and a refund is due on the bogus products sold to me and all the pumped up fees and fines refunded and late payments removed. I could never recommend this company. I have a stellar credit history otherwise
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report along the Police Report I filed at my local Police Department for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently took a look at my credit report and noticed this debt was reporting on my credit file. Amazon is saying I have a " Charged off '' account with them. I have never applied for an Amazon card and I never got a call or receive statements or really anything from Amazon so I'm really confused as to why this is on my credit. I have filed a police report and monitored my other accounts for fraud. This account was not open by me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

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

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 or 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

They wont work with you regardless of your situation. I filled XXXX XXXXXXXX bankruptcy back in 2016 because I couldnt afford my bills and other bills were garnishing my wages and they didnt even care to work with me.
Product: Debt collection

Company 's name is Coastline & Associates LLC ... called my husband at his job ( XXXX XXXX, 2016 ) and left a message for him to call and speak to XXXX XXXX about a supposed old debt to XXXX XXXX XXXX in the amount of {$1500.00} ... threatened husband with the law, etc ... we do n't recall this debt at all, but said well maybe it was one from a time over 8 years when it was rough. So my husband called the guy next day arranged for payment agreement and he also asked for it in writing. We got the letter today, XXXX XXXX, 2016 and the letter is a photocopy, no real signature and is asking for the payment only in form of a debit/credit card ... we had something similar happen few years back so this alerted me. Researched them online and have found nothing to show they are legitimate or that what they are doing is real and not a scam.
Product: Mortgage

According to Freedom Mortgages FAQ page, addressing the amount of escrow that " may '' be required, is as shown on their website, What is a min escrow balance : " The actual amount of taxes and insurance paid may be higher than were estimated. To ensure the escrow account has sufficient funds to cover the amount of the bill at the time of payment, you may be required to keep a minimum balance in your account at all times. The minimum balance varies by state but will not be more than two months of your monthly escrow payment. '' ( copied from https : //www.freedommortgage.com/frequently-asked-questions? XXXX ) Each year I am sent a letter advising me that my escrow is increasing due to a shortage. However, there is three sometimes fours times as much as required. Last year I finally was able to get them to give me some of the abundance that has accumulated.

I ended the year with more than {$600.00} in escrow, I have more than {$800.00} now, and with no payout until XXXX. 

Please tell me why my escrow need to increase, and therefor my house payment? 
Why are you keeping 3.5x 's the amount needed in escrow?
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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.