23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act Diversified Adjustments has violated my rights.

The FDCPA ( Fair Debt Collection Practices Act ) Validation of Debt. This company has not been in communication with me whatsoever stating that this alleged debt belongs to me. Prior to this getting on my report I never knew anything about this company. How can you furnish anything on my report and havent even given me the rights to dispute it before furnishing this alleged debt to the credit bureaus.

15 U.S. Code 1681b - Permissible purposes of consumer reports.

I have sent this company two letters, one was a validation letter which was my first attempt to them to get this alleged debt validated. The second attempt was a demand removal letter after a timely response and no response at all was was made. I still heard nothing from them and this collection is still on my reports. I have all my certified mailing receipts from the letters Ive sent them along with the original letters that Im going to upload as proof for this compla
int. Im also sending in the confirmation result that I received from XXXX stating that the collection agency reported to them that the information is accurate. How are they communicating with XXXX and not me when Ive written multiple letters to them. Unfair practices!
Product: Credit reporting or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONLY TRANSUNION HAS REPORTED THIS FRAUD ACCPUNT ON MY REPORT. 
this is the copy of letter I sent them : " RE : ILLINOIS DCFS XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response. ''
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this tuation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all iformation associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX Collection {$0.00} XXXX  XXXX Collection {$240.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$240.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX  XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$690.00} XXXX XXXXXXXX Charge-off {$400.00} XXXX XXXX XXXXXXXX Charge-off {$1700.00} XXXX XXXX Charge-off {$0.00} I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 
1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT. I have recently been informed that there is negative informat ion reported by   XXXX   XXXX   XXXX   in the file equifax maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.   Please validate this information with   XXXX   XXXX   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of equifax 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RENT RECOVERY SOLTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.
Product: Credit reporting or other personal consumer reports

On my credit report there is a charged off account from Discover credit card. I have no recollection of having an account with Discover, I have disputed this account several times but it has not been removed. 

I made checks with the IRS and was told that this company has filled a 1099c with them in regards to this account that I allegedly had with them but I never got a copy of such a form. The IRS clearly states that the company must present the consumer with such forms. 
I am therefore asking discover to send to me the 1099 c form of this account that has been reported on my credit report as been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit from Equifax Breach Settlement Administrator Your Claim Number : XXXX First my credit is still being breach by Equifax - my names has been found in several companies who received information from Equifax to contact me. 
This company refused to up date my credit information regarding Student loans, and will not get me a credit report. The scores have been lowed due to their breach in the system. 
I am asking you to fine this company due to their miss guided information about my credit and score. 
This company has neglected to provided a safe account to keep my social secuirty number and personal information from other companies. 
The refuse to pay my settlement amount after I reported this information twice about the breach. I have to check my credit every day due to their neglect. 
The have refused to honor my concerns to correct their mistakes. 
Stop giving out my personal information to other companies.
Product: Credit reporting or other personal consumer reports

Please see XXXXWe will take this step by step and I will use CFPB AS A paper trail for myself since that's the only way to get a reply from you guys. You stated I have that balance to pay and if it's paid you guys will completely remove the already mistaken payment owed for good as you did prior when I paid a part of the " balance ''. I asked to get my calls that you record for my records and for copies of our email threads that you guys leave with no respond. I was told if it's not paid legal action can be taken and court can be involved and I would need to pay you guys fees so its " best for me to just settle and pay to have the account removed '' you will hear me on 2 convos say if that's the fastest solutions ok BUT I DO NOT AGREE OR TAKE OWNERSHIP of the debt that keeps being referred to you by the orginal creditor. I sent you laws and evidence ( bank statements, letters from XXXX ) etc to the point where you made my balance XXXX $ and REMOVED IT from XXXX and XXXX. Am I incorrect and have you not received these things via CFPB AND the email : XXXX XXXX XXXX XXXX XXXX  via my emails XXXX  and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after confirmation of errors.

A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX - All Late payments Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between the company and myself
Product: Student loan

XX/XX/XXXX - I entered into repayment for my private loans a monthly payment of {$1300.00}. I requested a lower monthly payment amount and learned I was already at the lowest payment with no other options available. I just completed my XXXX and will be responsible for the repayment shortly ( XX/XX/XXXX ). 

Equally important, I try to contact the company during their posted business hours and receive automatic system stating the office is not open. There are times when I receive an agent and experience a transfer to another department assigned to my account. Of course, the assigned department is closed.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX v. XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to transunion on XX/XX/year> right here on the CFPB website. sent in my Identity Theft report just for them to write me today and say it was invalid and I didnt send in a legit identity theft report- they are lying! 

This is ridiculous and these are predatory practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX
Product: Debt collection

I received a notification that they placed a collection on my credit report. I have no clue where the Debt came from! I contacted the company ( Central Portfolio Control ) to get some answers and no one could help me and wasn't able to verify any debt I allegedly owed.
Product: Credit card or prepaid card

Approximately two ( 2 ) years ago I opened a Wells Fargo credit card. 

This card was primarily for the purpose of a balance transfer. 

After I paid off the entire balance, I requested that the account be closed. 

The account was always paid in a timely fashion, and my credit in general is excellent. 

I received a letter from Wells Fargo indicating that " ... we have closed your credit card account for the reasons listed below .... 

-- Total monthly payment ( s ) due for bankcard or line of credit account ( s ) on credit report is high -- -No wells fargo checking or savings account -- -Over six months Account inactivity From reading this letter any one would assume that wells fargo initiated the closing of the account due to the above reasons, some of which are negative. 

I do not want any negative statements regarding this closure, which I requested, to be listed on my credit card. 

The appearance is that Wells Fargo is " punishing '' me for closing my account. 

Conditions 1 and 2 existed when the account was approved and opened, and the account was inactive after it was initially opened for a period of approximately 18 months I guess that up until relatively recently # 2 would not have been true since they probably would have opened an account in my name without my permission I should have received a letter from them confirming that my request to close my account was approved, not a letter indicating that as some sort of review of my account it was being closed. 

I request and expect a written response from Wells Fargo explaining their actions in this matter and an explanation as to how they will rectify any negative entries on my credit card.
Product: Credit card or prepaid card

I reached out to Transunion two times already to delete fraudulent accounts they manage to not delete the last one, which is a XXXX store card that is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I was a victim of identity theft I reached out to the bureaus to let them know my status on my accounts haven't changed.
Product: Checking or savings account

I deposited a check they cleared check against my own funds not the company the check came from & it turned out the check was fake and when I called them asking why would they clear a check it the funds didnt come from company I was told I was a client with them for years and I told them I asked if it cleared through company XXXX XXXX XXXX XXXX was told yes which was untrue again cleared against my own funds & I lost {$4000.00}. And was told by Chase bank theres nothing they can do, I should call company they may give me back my money & I told them do you hear what youre telling me? Call company to see if they would pay me on a fake check. And all they did was say sorry nothing they can do. Now Im out {$4000.00} because they cleared a check against my own money not company the check came from after they cleared the check
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.