23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital Systems Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Dear Jefferson Capital Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX  XXXX, XXXX and XXXX XXXX 15U.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, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; EQUIFAX MORTGAGE SER inquired on XX/XX/XXXX ; XXXX  XXXX  inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX XXXX I will upload current license in which i have lived for 8 years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked
Product: Credit card or prepaid card

I made a payment on XX/XX/2018 of XXXX dollars. When I submitted the payment the screen went blank I didn't get a confirmation number and didn't think much of it at the time. About 2 or 3 weeks later I got a letter saying my account was closed due to failure to pay the same day I was getting phone calls from a number I didn't know. These calls would leave a blank message and would happen 8 to 12 times a day. I answer one and was told my account was past due and that a payment needed made. I told the lady that I already made a payment and i didn't understand why my account was closed. She told me to send the bank statement with proof that I paid. I went online and printed out a payment made to them by my bank on XX/XX/XXXX. I sent it with a letter saying to fix it and to stop calling me. The calls dwindled off about XX/XX/XXXX with only 3 being made with blank messages. I then got a letter saying the would do some more research into the information I provided them. I then got a letter saying that they needed a 15 digit number from my bank. I went to my bank and asked them about it and the lady at the counter looked at me dumbfounded and said she never heard of such a thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called to let them know that I did not give permission to be added as an Authorized User. XXXX  has removed this line item from my credit report but Equifax and XXXX have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. 

The account in question is listed as XXXX XXXX XXXX XXXX. This account was closed on [ XX/XX/year> ], and the balance should have been updated to reflect zero at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the three credit bureaus. 

Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error.

I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. 
Removal or correction of any inaccurate information regarding the balance on this account. 
Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. 

Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I XXXX be reached at ( XXXX ) for any additional information. 

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

I would like the fraud alerts removed from all XXXX credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned inXX/XX/XXXXthat PYOD, LLC had filed a delinquency against me. This company is also known as Resurgent Capital Services. I called the firm and spoke to a XXXX at XXXX. She informed me that an account had been opened in my name with XXXX XXXX XXXX, XXXX. The account was opened in XX/XX/XXXX in the state of Georgia. The amount being reported is {$1500.00}. 
It was determined in this phone call that the account was not mine and I asked XXXX how I might get this matter resolved. The spelling of the account holder is spelt differently than how I spell my name and I have never resided in Georgia. 
She informed me that she would be sending a letter to me in the mail that would give me an opportunity to dispute my claim. 
I received the letter several weeks later, datedXX/XX/XXXX. I quickly called my attorney and asked for his involvement. He and I filled out the forms, signed the forms and notarized the letters disputing the matter. 
The letter and forms were sent to PYOD, LLC and received on XX/XX/XXXX. I called the company onXX/XX/XXXXand learned the investigation from the firm has not begun and I was told that no timeframe was available. PYOD has been very slow to respond in several situations. 
I am involved with a purchase of a home. My credit is being adversely effected by over 100 points due to this false claim. The lenders are advising me to get this matter resolved as quickly as possible as the damages will be six figures due to the rate increase associated with the damaged credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX accounts XXXX, and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I went to XXXX XXXX from XXXX and during that time they took out private student loans ( instead of federal ). And then I went to another college to pursue a 4 year degree and in that time my loans from XXXX XXXX ballooned into roughly {$50000.00}. I'll be paying on these loans for the rest of my life at this rate. Now the US Department of Education is discharging all of the XXXX Federal loans but not the private loans- doesn't seem fair to me. I want my XXXX XXXX Private loans discharged.
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX. XXXX, XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$23.00} XXXX XXXX Balance : {$620.00XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX  XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Bank account or service

We accept debit/credit cards for goods and services. Normally, we process the transaction and settle the batch with Chase Paymentech. The funds are then deposited into our XXXX checking account by Chase Paymentech. 
We had our bank acct info stolen XX/XX/XXXX. I immediately closed the XXXX checking account and opened a new XXXX checking account. I changed bank acct info with Chase Paymentech, however it was not actually changed. They kept depositing into our old account. My bank, as a courtesy, transferred the funds into the correct acct for 60 days. All of this was behind the scenes and without my knowledge. Chase Paymentech never notified me that they were unable to change the account info. When the day came that the bank stopped transferring from the closed acct to the new account, I immediately contacted Chase. That was XX/XX/XXXX. Over {$1600.00} is at Chase. For two months, I tried to update the checking acct information, however because they could not accomodate the legal name of our company, I was unable to get this accomplished. I presented letters from my bank, charter, etc. Just a side note, they accepted it when I originally opened the account XX/XX/XXXX. With frustration, I requested that they send the funds by check on XX/XX/XXXX. Today is XX/XX/XXXX and have still not received the funds. I represent the XXXX XXXX XXXX, a non profit organization. I continue to get the runaround every week that I called. I have event been to the " Escalation Dept. ". DO NOT DO BUSINESS WITH THESE PEOPLE!
Product: Credit card

I am writing to bring to your attention certain provisions under the United States Code, specifically under 15 USC 166b and 15 USC 1681 ( e ) ( B ), which govern the treatment of payments on credit card accounts under open-end consumer credit arrangements and the issuance of 1099-C forms for charged off accounts.

Firstly, under 15 USC 166b, a creditor is prohibited from treating a payment on a credit card account as late for any purpose. As such, I request that my account status and payment history be updated to reflect Paid as Agreed and to remove all negative inquiries and late payments immediately.

Secondly, under 15 USC 1681 ( e ) ( B ), I have not received a 1099-C form for the charged off accounts in question. Failure to provide this form is a violation of federal law and constitutes fraudulent activity on the part of the creditor. Therefore, I request that the charged off accounts be updated to Paid as Agreed and any negative items associated with these accounts be removed immediately.

It is imperative that my credit report accurately reflects the lawful status of my accounts and the payments I have made. I trust that you will take prompt action to rectify these matters and update my credit report accordingly.
Product: Checking or savings account

the open.Acct and went car dealership to by a car .I give the Finance Department two Cheak XXXX to hold as a Deposit.they not suppose to deposit them until.I finance to buy a car.they deposit the check in my Acct.I called the bank and spoke to the manager.ask him if he not charge me the overdraft fees.this was a new Acct.they close the acct .and reported to XXXX.I cant open other because. it showing Account Abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

Equifax : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau is unfair to me because what Experian has on my report other companies do such as XXXX and XXXX. I only saw my score when I applied for a secured credit card through XXXX and XXXXXXXX XXXX. My score was XXXX when the banks showed me. I contacted them but I can't never get to a human to talk to me. My score with Experian is 105 less than XXXX and 86 points less than XXXX. Experian takes longer to update positive information on my credit and fast on updating negative information.
Product: Debt collection

This account was opened by someone other than myself. It was also connected to a bank account that was opened in my name. The bank account was closed after I was notified of its existence. It has since been assigned to XXXX XXXX from Citi Bank/Best Buy XXXX XXXX XXXX. Neither have provided any proof that I am connected to this account nor have they provided any info that can help with finding the person responsible.
Product: Debt collection

sent letter requesting back up for the collection on my report did not receive a response. 

If back up can not be provided please remove immediately
Product: Debt collection

Prior to being sent to medical collections, I communicated by their internal mail/chat and mail that I was charged for services that were not performed, and I was not charged or received information on a diagnostic/lab that was performed while in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX 
I agreed that there was an outstanding balance on XX/XX/XXXX for {$400.00} for XXXX, that I had to discontinue my payment plan due to financial challenges. I reinstated a monthly payment with United Collection Bureau ( XXXX XXXX XXXX, XXXX, OH XXXX. XXXX ) on XX/XX/XXXX, for UCB  Reference # XXXX and XXXX  account number XXXX, and have satisfied {$370.00} of the debt to date. 
A chart review would have identified duplicate or erroneous charges, and that a charge and result for identification of an issue was missing ( they said it was sent to an outside lab ). Outstanding charges with United Collection Bureau that I do not believe services were performed or are duplicate charges are : XXXXXXXX XXXX XXXX XXXX with account numbers ending XXXX ( UCB  reference : XXXX ) and XXXX ( UCB  reference number : XXXX ).
Product: Checking or savings account

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( XXXX ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX. 

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan XXXX # XXXX Loan XXXX # XXXX
Product: Debt collection

loan originator   XXXX   XXXX   XXXX   no longer in business. there was two closings and the second closing i was not there. the 1-4 rider documents were forged of my name and initials. also the loan was usury over legal limit..It was approx 9.99 %. they went to fed window took my treasury account ssi number All CAP NAME and routing and loaned me back my money and charged unlawful interest unbeknown they went out of Business the following year.   XXXX   is back on Title and are not in Business since 2007. I have a claim in, I am the title holder real owner and no contract with anyone it is all VOID from the Start, and I am the beneficiary. I have warrants into President Trump,   XXXX   XXXX   (  XXXX  ) accountability office,   XXXX   XXXX  , and U.S. Supreme court Defaulted bill for damages, crimes for CEO 's etc. and money 's used of my Private Trust Account. Next they will go to the FDIC etc.. I have notified   XXXX   for payoff that I do not owe today.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Per 15 USC 1681g this letter is my request for a copy of the complete contents of the file you maintain on me as of the date of this request. Enclosed please find a copy of my id... '' I have requested a complete copy of my credit profile and report from EWS yet now action or document has been recieved