23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX for a number of years and the attached police report detail and the letter from my XXXX XXXX prove that. 
Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter
Product: Debt collection

XXXX for of my social security is XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company. A clause in the original signed contract that authorizes you to collect on this debt. ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
Product: Debt collection

The XXXX XXXX XXXX account was opened pursuant to 16 CFR 433.1 was a purchase money loan in which I should have received a cash advance and I did not. The account was never credited for the certificate of indebtness or the dividend interest made off my treasury coupons via the Electronic Funds Transfer Act. The IRS states as well as 26 CFR 1.6050P this debt has been discharged and I should have received a 1099 for balances over {$1.00} to report as income. According to the UCC, I have no obligation to pay a promissory note, this would constitute as securities fraud. 18 USC 8 According to 12 CFR 1006.22 ( b ) Portfolio Recovery purchased a debt that XXXX could not collect, but by means unknown to me, they retrieved my banking information and began debiting my checking account UNAUTHORIZED by me for XXXX a month. ( Theft ) I located a notice they mailed to me LYING stating I REQUESTED for them to do so. Portfolio Recovery purchased the debt, so it belongs to them. Pursuant to XXXX XXXX, I owe no debt to this company. XXXX violated15 USC 1692 ( d ) by selling the account to collect the debt.
Product: Debt collection

I reported fraudulent charges on my credit cards from XXXX XXXX & Chase to the two companies respectively since XX/XX/2024. XXXX XXXX and Chase still asking me to pay those charges. I have corporated well with each of them to conduct their investigations. I have even found and visited the suspected fraudster 's home with the XXXX Police and couldn't find the fraudster. I lodged a complaint to the XXXX Police and sent the full police report to XXXX XXXX & Chase. I am doing everything I can to help with the investigations. I don't think they should ask me to pay those fraudulent charges.
Product: Consumer Loan

I had a car loan with Santander Consumer Bank. The loan was paid off XX/XX/2014, but they are reporting to the Credit Bureaus that there were several late payments. I have sent them multiple letters asking for validation that those payments were late, but have not received any response. The account is paid in full, but those late payments are affecting my credit.Please help.
Product: Payday loan, title loan, personal loan, or advance loan

I gave them my social on the grounds that they said they could help me no matter what my credit score. I was sent several emails and mailed pre-approval invitations for installment loans, personal loans, and revolving lines of credit up to {$5000.00}. I keep getting denied even though I have the ability to repay. I got diagnosed with XXXX and need a bit of help and this company is full of deceitful tactics to borrow on my social security number but not allow me to access credit like I'm supposed to have fair access too. They send me emails that describe why a third party denied me but never the notes from a real live underwriter like I've requested several times. They don't help people with bad credit. They set them up for disappointment.
Product: Debt collection

WELLS FARGO CRD SVC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I WANT TO EMPHASIZE THAT XXXX DELIBERATELY FAILS TO ANSWER THE PHONE, IT DISCONNECTS, IT DOES EVERYTHING TO AVOID RESPONDING TO OUR COMPLAINTS OF THE MISTAKE THEY MAKE. I AM TIRED O F WAITING ON HOLD TO SPEAK TO SOMEONE AND AM TIRED AND DISGUSTED THAT THESE PEOPLE NEVER MAKE THEIR DROP DOWN CHOICES PERTINENT TO THE PROBLEM. 

I TRIED CALLING THEM AS I AM FURIOUS. AND IT SEEMS THAT THESE XXXX  WILL PICK UP THE SAME XXXX UPS AS OTHER REPORTING AGENCIES ESPECIALLY TRANSUNION AND USE IT AS AN EXCUSE TO DROP MY SCORE BY MANY POINTS THERE IS XXXX XXXX XXXX XXXX XXXX INQUIRY ON MY CREDIT REPORT FOR A CAR LOAN. XXXX CREDIT UNIONS WERE APPROACHED, BUT IT WAS THE SAMEE XXXX XXXX XXXX XXXX XXXX LOAN. THE SAME XXXX LOAN TO SEE WHICH COULD HAVE A BETTER RAT E. 
THIS LAW ESPECIALLY IN FLORIDA AS YOU KNOW WAS CHANGED A WHILE AGO, THAT IF YOU HAVE AN INQUIRY ON THE SAME ITEM, A CAR LOAN AND ONLY XXXX ENTITIES MAKE THE INQUIRY ( AS XXXX IS SHOPPING AROUND FOR XXXX XXXX XXXX XXXX CAR LOAN IT IS ONLY COUNTED AS XXXX INQUIRY,. 

YES THESE XXXX HAVE XXXX INQUIRES -- XXXX FROM XXXX XXXX XXXX WHICH I WENT WITH AND ANOTHER FROM XXXX XXXX XXXX, WHICH I DID NOT EVEN PERSUE THE LOAN WITH THEM AS THEY WERE DOING THINGS THAT WERE NOT LEGAL, EXAMPLE, ASKING ME FOR A COPY OF MY DRIVER LICENSE BY EMAIL. THAT IS NOT SAFE, AND I JUMPED EVERY HOOP AND DID NOT HEAR FROM THEM AND YET THIS WAS FOR A LOAN TO BUY THE SAME XXXX CAR THE SAME XXXX CAR AND THE SAME XXXX CAR AND THESE PEOPLE XXXX WELL KNOW THAT AND YET THY WANT TO COUNT IT AS XXXX HITS. 
I AM SICK AND TIRED OF XXXX AND I WILL ALSO BE CONTACTING TRANSUNION WHICH IS MUCH EASIER TO CONTACT. IF YOU CAN DO SO I APPRECIATE THAT AS WELL. 
THIS IS NOT NOT NOT NOT THE ONLY ISSUE : THIS XXXX XXXX XXXX XXXX COMPANY THAT DOES NOT GIVE A RAT 'S XXXX ABOUT PEOPL HAS AN INACCURATE ADDRESS AND OF COURSE, YES YES YES I TRIES TO DISPUTE THAT AND SET THEM STRAIGHT, B UT THESE XXXX  AS USUAL PROVIDE A PHONE NUMB ER TO CALL THEM BECAUSE THEY SAY YOU CAN NOT DISPUTE THIS ONLINE ( HOW CONVIENT TO XXXX WE THE PEOPLE OVER ) AND I AM SO TIRED OF THIS XXXX I CALLED XXXX XXXX AND GOT CUT OFF, THEY ALWAYS CUT THE CALL, THEY ALWAYS DISCONNECT BECAUSE THESE PEOPLE ARE LIARS, THIEVES AND DO NOT CARE WHAT IS ACCURATE OR NOT. 
PLEASE SEE A SCREEN SHOT I TOOK. I ONLY LIVED ON XXXX IN XXXX XXXX. I HAVE NO XXXX IDEA WHY THEY HAVE XXXX DIFFERENT ADDRESSES FOR ME ON XXXX XXXX, XXXX, XXXX XXXX. FOR THE LOVE OF XXXX, NOBODY COULD BE THAT XXXX XXXX, TO WANT TO KEEP INACCURTE INFO ON SOMEONE, MISLEAD AND OF COURSE, OF COURSE OF COURSE THEY END UP DROPPING MY SCORE AGAIN BY XXXX POINTS AND HAVE NO EXPLANATION FOR DOING THAT XXXX AGAIN.
Product: Credit reporting or other personal consumer reports

XX/XX/year> VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AR. XXXX Dear XXXX XXXX XXXX XXXXXXXX, 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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. 

XXXX XXXX XXXX
Product: Mortgage

I have previously submitted XXXX complaints regarding our mortgager PHH and the illegal sale of our home. We were in foreclosure in the XX/XX/XXXX and were in the process of completing a mortgage modification application. PHH sold our home on XX/XX/XXXX. The sale occurred prior the the deadline for submission of required documents. When we brought this to the attention to PHH and the XXXX, PHH rescinded the sale almost 2 months later. This was after we moved out of our home out of fear of a sherrif 's eviction and a local realtor pressuring us. We have experienced stress and financial burden as a result of this. In a prior complaint with the XXXX, PHH responded, stating that an offer for modification was given in XX/XX/XXXX and was not returned by us. This was immediately after the sale rescinding. We did in fact respond to the modification offer in a letter stating that we were officially opting out of the offer. A letter was sent to PHH and we verified receipt. 
We are in the process of suing PHH for fraud, breach of contract, and damages - as a result of the illegal sale of our home on XX/XX/XXXX. We are asking that you be part of the monitoring process, or if possible, assist us with this. 

We have made initial contact with XXXX XXXX, liaison to the office chairman at PHH - XXXX X XXXX We have tried unsuccessfully this week to speak to an attorney at XXXX and XXXX, who represents PHH, - XXXX. 



Please see attached documentation. Thank you.
Product: Debt collection

Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
Product: Debt collection

I am submitting this complaint regarding an unauthorized and inaccurate debt collection attempt and credit reporting by Jefferson Capital Systems , LLC. The information on both accounts in the amount of {$740.00} and {$930.00} are unlawful and I have never had any business relationship, contract, or agreement with this company, nor have I authorized them to use or report my personal information in relation to any alleged debt. Therefore, their actions violate my rights under the law. 

Key Details of My Complaint : -No prior business relationship : I have never engaged in any financial agreement, service, or contract with Jefferson Capital Systems , LLC XXXX There is no evidence or documentation of such an agreement. 
-Unauthorized use of personal information : Jefferson Capital Systems , LLC has accessed and used my personal information to report a debt on my credit report, which is unauthorized and unwarranted. 
-Inaccurate and misleading reporting : They are reporting an alleged debt to the credit bureaus that is inaccurate and misrepresents my financial history. 

Relevant Laws Under the UCC : Under the Uniform Commercial Code ( UCC ), certain sections highlight the importance of valid agreements and the rightful ownership of debt. I would like to reference the following in relation to this matter : 1. ) UCC 9-210 - Request for Accounting : I have the right to request an accurate accounting of the alleged debt, including proof of ownership and transfer of the debt to Jefferson Capital Systems , LLC. To date, I have received no such documentation, meaning they can not rightfully collect or report the debt.

2. ) UCC 1-201 ( b ) ( 20 ) - Holder in Due Course : Jefferson Capital Systems , LLC has not provided evidence that they are the holder in due course of the alleged debt. Without proof of such status, they lack the legal standing to collect on or report the debt.

3. ) UCC 9-609 - Secured Partys Right to Take Possession After Default : Jefferson Capital Systems , LLC has no valid security interest in my property, nor have I defaulted on any legitimate obligation to them. Their attempt to collect and report this debt is not legally justified under UCC laws.

Requested Resolution : I request the following actions from both Jefferson Capital Systems , LLC, and the CFPB : 1. ) Immediate removal of the inaccurate and unauthorized debt from my credit report.

2. ) A formal investigation into Jefferson Capital Systems, LLCs practices regarding the collection and reporting of debts they do not have a legal right to. 
3. ) A written confirmation from Jefferson Capital Systems , LLC that they have ceased all collection efforts and will not report any further unauthorized information to the credit bureaus. 

Thank you for your time and attention to this matter. I look forward to your swift response and resolution.
Product: Checking or savings account

XX/XX/XXXX I wrote Chase Bank about an extremely poor customer 's experience I entailed at one of its branch which is located at XXXX XXXX XXXX XXXX XXXX, AR XXXX. In response to the letter mailed to the CEO of the Bank, XXXX XXXX, XXXX decided to close my Checking Account effective on XX/XX/XXXX. 

Such short notice is placing me at a severe financial disadvantage because I received my only source of fixed income by Social Security ( SSDI ) via Direct Deposit to the Chase Checking Account ending in XXXX. 

Since Social Security takes 60 days or more to direct deposit funds to a new checking account I will have to receive a PAPER CHECK which will take at least 10 days to be received at my address with is a major inconvenience and disadvantage. 

I am on a strict budget like other fellow Americans and having me wait more than a week to receive funds to pay necessary bills such as my mortgage, utilities, car insurance etc due to Chase haphazardly closing my checking account prematurely is pure spite and it needs to be addressed appropriately by CFPB. 

I now understand why Chase is considered a subpar bank regarding customer service handled by inept employees with poor moral. 

I planned on severing my banking relationship with Chase in the future do to the extremely poor manner in which I was handled and the unprofessional and completely disturbed customer service and discrimination I experienced on XX/XX/XXXX. 

I had signed up with XXXX XXXX  for a Checking Account on XXXX, XX/XX/XXXX and I plan on using XXXX XXXX for my banking services and needs going forward. 

Unfortunately Social Security plan to make this change to XXXX XXXX on or about XX/XX/XXXX ( I receive my XXXX Funds every fourth XXXX of each month ). 

In essence, closing my account on XX/XX/XXXX will create UNDUE FINANCIAL HARDSHIP on myself where bills will be paid late and food not bought because I will have to wait for a paper check for XXXX and XX/XX/XXXX via XXXX which has the risk of being lost or stolen in the mail placing me at a further disadvantage. 

I am a XXXX Veteran and for Chase to give me less than 30 days to close my account likely in retaliation of filing a XXXX claim against them and voicing my concerns with XXXX XXXX is truly unprofessional and callus on their end. I can see why the Chase employee have one of the lowest moral and dissatisfaction working at Chase due to the fact they treat their customers just as worst.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Consumer Financial Protection Bureau Representative , I am writing to formally file a complaint regarding the following matters : A dispute of inaccurate information on my consumer reports with XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX 

A request for a permanent security freeze and permanent opt-out on my consumer file. 

Part XXXX : Dispute of Inaccurate Information Description : I have identified numerous inaccuracies in my consumer reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ). These errors negatively impact the accuracy and integrity of my credit profile. Additionally, under 12 CFR 1006.34 ( c ), I request validation for the alleged debts associated with these accounts. No clear description or evidence of contractual obligation has been provided for these accounts.

Disputed Accounts : Below are details of the disputed accounts that I have identified as inaccurate : Dept. of Education/XXXX  Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

Dept. of Education/XXXX  Account XXXX : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

I am requesting a manual review of my file due to the complexity and volume of the inaccuracies. I have enclosed copies of my credit reports with the incorrect information clearly highlighted. Under 15 U.S.C. 1681i, I am entitled to a transparent and thorough reinvestigation of these disputes.
Product: Checking or savings account

I participated in : Open a certificate by XX/XX/XXXX plus maintain a minimum {$1000.00} certificate balance on XX/XX/XXXX to earn a {$100.00} bonus The promotional {$100.00} was due XX/XX/XXXX. It is now past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several payed off debts on my credit report that are years old, and I keep getting cold calls about paying off these debts