23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a text alert about a card not present on my account was charged. I looked at my account and did not see anything. I've had to issue a new card four times already and the same thing keeps happening. I also keep changing my pin number.
Product: Debt collection

I am writing to formally complain about the actions of Jefferson Capital System concerning an alleged debt they claim I owe. Despite multiple requests for validation, Jefferson Capital System has failed to provide the necessary information as required by 12 CFR 1006.34 ( b ) ( 5 ). Moreover, they have improperly placed a collection entry on my credit report without adhering to the required procedures. I am particularly concerned about the following violations : Failure to Validate Debt : Jefferson Capital System has not provided validation of the debt as required by law, which includes details about the original creditor and account number. Failure to Afford Dispute Opportunity : I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Violation of Reporting Requirements : They have reported this debt to consumer reporting agencies without fulfilling their disclosure obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). I am requesting that you take the following actions : Immediate Removal of the Collection Entry : Ensure that the incorrect collection entry by Jefferson Capital System is removed from my credit report. Cease All Communications : Direct Jefferson Capital System to cease all forms of communication with me, including email, text messages, and phone calls, as I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to revoke these methods of communication. Provide Proof of Compliance : Require Jefferson Capital System to provide : Validation of the debt, including details of the original creditor, account number, and supporting documentation. The purchase agreement with XXXX XXXX XXXX and any related documentation showing that Jefferson Capital System had the authority to report this debt. Proof of licensing and bonding to operate as a debt collector. A certified mail receipt proving that I received proper notification regarding this debt. I did not receive the necessary communication or validation and dispute opportunities, so it is crucial that this collection entry be promptly removed from my credit report. Thank you for your immediate attention to this matter. I trust that you will ensure this complaint is addressed promptly and that appropriate actions are taken to rectify these violations.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. 
Additionally, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; Opened Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Balance : {$750.00} : Opened Date :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

When applying for a capital one credit card I was told once they received a security deposit of {$99.00} was received they would send me my card. I received the credit card and then received another letter in the mail a few days later saying they didnt get my payment. I tried calling to find out and make a payment if needed and couldnt get ahold of anyone and didnt get the option to make a payment.
Product: Student loan

1. Correspondence was sent on XX/XX/2021 by consumer and Hartland ECSI had 7 days to respond in which there where no response 2.Hartland ECSI received proper endorsement on statement UCC 3-204 and Hartland has not credit the account nor updated credit report, to bring the balance to XXXX See Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and my credit information has been breached and I have reached out to transunion to dispute the inquiries that are unknown to my knowledge. and they have not responded and still have not removed them. I have filed a ftc report and my reference number is XXXX and the confirmation is XXXX and these inquiries should be removed immediately : 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 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 XXXX XXXX XXXX
Product: Debt collection

I WAS CONTACTED BY A COMPANY CLAIMING A DEBT OWED WHEN THE APARTMENT IN QUESTION DID NOT BELONG TO THEM WHILE I LIVED THERE I HAD MOVED OUT BY THE TIME ESCROW CLOSED NO CONTRACT WAS SIGNED OR IN EFFECT SO I DO NOT OWE THEM ANYTHING. THEY ALSO ACCEPTED THE PROPERTY AS IS. THIS IS OVER 3 YEARS AGO. THEY ARE USING NATIONAL CREDIT SYSTEMS INC OUT OF XXXX, GA AS THE COLLECTION AGENT THE CREDITOR IS XXXX XXXX XXXX  OUT OF XXXX CA
Product: Debt collection

I have no idea who this company is they repeatedly call me at all hours saying I owe a debt. Yet I have never heard of them.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding an unauthorized account reported by XXXX XXXX XXXX XXXX on my credit report. This company is contacting me repeatedly and has failed to provide any validation of the alleged debt despite my clear dispute of the account. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Unauthorized Account : I have never opened or held any account number ending in XXXX with XXXX XXXX XXXX XXXX or any entity they claim to represent. Despite this, they have reported an account under my name to the credit reporting agencies, which is now negatively impacting my credit score. 

Failure to Validate the Debt : I have repeatedly requested that XXXX XXXX XXXX XXXX provide verification of this account or proof that I owe any debt to them. They have refused or failed to provide the necessary documentation as required by law. 
Harassment : XXXX XXXX XXXX XXXX has continued to contact me about this alleged debt despite my dispute of the account. This behavior constitutes harassment and is a violation of the FDCPA. 
Violations of Credit Laws : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX has furnished inaccurate information to the credit reporting agencies without proper investigation or validation. 
Fair Debt Collection Practices Act ( FDCPA ) : The company has engaged in harassing communication and has failed to provide validation of the alleged debt within the required timeframe.
Product: Money transfer, virtual currency, or money service

I have been using cashapp for years and never got any real help and I have been trying to retrieve an account I lost years ago. Called the numbers and never got a response. My current account I use as a bank and have never got any help from a real representative regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called revvi credit card company on XX/XX/2023, spoke to 2 different representative ask them how my payment was late and that I made my payment on time. The representative said he didn't see what I was talking about and I need to dispute it.
Product: Debt collection

FIRST FEDERAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FIRST FEDERAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FIRST FEDERAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I don't know exactly why I am being charged for a medical bill that I didn't even commit. I haven't been to the hospital in years and also If I were to go to the hospital I would of told them my insurance, so it'll be charged to them instead of me. this is not me what so ever and I demand that this debt gets took off asap. I sent a letter on XX/XX/22 regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Product: Debt collection

Debt Validation and Cease and Desist Dear Conserve, I am responding to your contact about a debt you are trying to collect. You contacted me about a debt that I do not owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of the debt. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Please only contact me to let me know that you will cease and desist from asking me about a debt I do not owe .In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, and cease reporting this debt to the credit bureaus until you can provide me with all this information.
Product: Debt collection

I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XX/XX/2016 Machol & Johannes XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : XXXX General Fax : XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX XXXX.
Product: Credit card or prepaid card

In the fall of 2022 my identity was stolen after receiving unwanted and unknown balance transfer checks in the mail. I was never notified by Bank of America that they would be sending unsecure checks that could be easily cashed by a third party. 
Thinking these unknown checks were junk I inadvertently discarded them in a XXXX XXXX  receptacle believing the XXXX managed their receptacles in a secure manner. Although, I had ripped the mail up a third party was able to pull them from the garbage and cash the amount of XXXX dollars creating a three-month financial nightmare. As a result, I contacted all of my financial institutions admonishing them to not send me any more of these unsecure checks through the mail. All of my institutions except Bank of America have ceased this practice. 
I have contacted BOA numerous times each time taking over and hour to get through due to their poor customer service. I have told BOA reps. that I would be filing this complaint if these mailings did not stop. Despite my efforts BOA adheres to this practice and continues to send these unwanted checks and embrace this careless security practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion after i sent a letter to them requesting the following unauthorized inquiries be removed and the customer service department and fraud department were not helping me get this removed. I have continually informed them that I was a victim of the inquiry issue they had and the following are not authorized to be on my account. 

XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear TransUnion, I am writing to formally dispute several hard inquiries on my credit report that I did not authorize. My name is XXXX XXXX, and my 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 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 XXXXXX/XX/XXXX None of these inquiries were authorized by me, and I request that they be investigated and removed from my credit report. 
Under 15 U.S. Code 1681c-2, a consumer reporting agency must block reporting any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. I assert that these inquiries fall under this provision.

Additionally, under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), the inquiries listed above are in violation of the requirement to report information accurately. These inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1681, I have the right to privacy. Furthermore, under 1681 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. Therefore, I am requesting the original copy of the agreement and terms and conditions related to these inquiries. 
Please be advised that failure to comply with these requests will result in forfeiture of your claims, and I will require you to delete all the listed items above. You are required to block these transactions from being reported to my consumer report within four ( 4 ) days from the date of receipt of this notice. 

Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
I look forward to your prompt response regarding this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I applied for a home mortgage and was turned down due to derogatory information listed on my credit report. The lending company gave me a copy of my credit report which is when I saw this collection account that was established in my name due to fraud. I filed an ID Theft report which is attached to this complaint. I am requesting that this collection agency stop reporting this fraudulent account to the credit reporting agencies as it has caused my home loan to be denied. If I am unable to purchase my home in time before my scheduled closing date, and I miss the opportunity to purchase this investment property because this collection agency does not want to comply and delete this account from the major credit reporting agencies they report to, then I will be filing a lawsuit against them for the damages I occured and the future profits I would have missed out on because of the inaccurate negative credit reporting.
Product: Student loan

I have been paying my student loans for XXXX  years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to Federal Student Aid ( FSA ) since XXXX  ( XXXX  years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of XXXX  years and they will not. They refuse and I am worried that my XXXX  years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called FSA and they told me to file a complaint against Nelnet, which I did. Nelnet sent me a document that was incorrect. I need payment history of XXXX  years that is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through NELNET ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted NELNET several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with NELNET that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.