23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX FORMAL DEMAND FOR DEBT VALIDATION & IMMEDIATE REMOVAL FROM CREDIT REPORT To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the alleged debt you have reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), you are legally required to provide proper validation of this account or cease all collection activity immediately, including reporting it to any credit bureau.

LEGAL DEMANDS : Pursuant to federal law, I demand the following : 1. Proof of Debt Ownership ( 15 U.S.C. 1692g ( a ) ) Provide the original signed contract or agreement that establishes my liability for this debt.

Provide the original creditors name, address, and contact information.

2. Complete Payment & Charge Breakdown ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Itemized statement showing the principal balance, interest, late fees, collection costs, and any additional charges.

3. Legal Authority to Collect ( 15 U.S.C. 1692e ( 10 ) ) Documentation proving Jefferson Capital Systems legally owns or has been assigned this debt.

Chain of custody showing all ownership transfers from the original creditor.

4. Proof the Debt is Within the Statute of Limitations ( 15 U.S.C. 1692f ) Under Texas law, the statute of limitations for debt collection varies. If this debt is time-barred, you must cease reporting and collecting immediately.

IMMEDIATE CREDIT REPORT REMOVAL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with complete documentation, you are required to remove any related negative reporting from my credit file. Failure to comply is a direct violation of federal law.

You are on notice : If you fail to provide full validation within 30 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney Generals Office, and all three major credit bureaus ( XXXX, XXXX, and XXXX ). Additionally, I will explore legal action for damages under 15 U.S.C. 1681n, which allows me to sue for willful noncompliance.

THIS IS NOT A REQUEST IT IS A LEGAL DEMAND. You must comply by law. Any further attempt to collect on this debt without proper validation will be considered a direct violation of my rights, and I will pursue all legal remedies available. 

I expect your written response within 30 days of receipt of this letter. If you fail to validate the debt or remove it from my credit report, I will take further action. 

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

CFPB XXXX Transunion and XXXX has violated my consumer rights and according to the FCRA by furnishing fraud accounts related to fraud attached is my Fraud Report ID and Letter and Comed bill for proof of address. i believe this is all the required documents needed to block accounts. 

ALL THIRD PARTIES LISTED BELOW NEED TO BE DELETED Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX Account number XXXX account was Never late Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ) Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 notice and confirmation of errors A person shall not furnish information relating to a consumer to any 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, inaccurate.Account name DELETE ALL NON ACCOUNT HOLDING INQUIRIES ( FRAUD ) XX/XX/2024 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The charges with XXXX should be properly investigated because they are incorrect. I am currently submitting a dispute via mail. 


We moved out of our apartment ( XXXX de XXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from TD Bank USA/Target C XXXX XX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
Product: Bank account or service

Citibank lied to me about a promotion I called Citibank on XX/XX/XXXX morning at XXXX XXXX XXXX and they converted my Day to Day Savings Account to a Savings Plus account and assured me that I was enrolled in XXXX Promotion offer XXXX I called once more on XX/XX/XXXXto confirm and I was assured that I was enrolled On XX/XX/XXXX, I called again to confirm before transferring the money and then their story changed. They said they can not confirm if I was enrolled or not and said they will call me the next day to confirm. On next day, they called me to say that I was NOT enrolled in the above promotion. 

As you can see, they lied to me and have no clue about what they are doing. I want this to stay on their permanent record so other people can also see and learn about their dishonest and corrupt practices
Product: Debt collection

After several attempts of debt validation dating back XX/XX/XXXX and most recently XX/XX/XXXX. This company refuses to send the documentation as I requested. They continue to send me letters to settle the debt instead of validating NOT verifying the debt as requested. They even verified with the credit bureau but will not explain to me or send to me the documents sent to them to validate the debt. They completely ignore my requests
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired XXXX XXXX to dispute inaccurate information, however XXXX, Equifax and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to try to apply for another mortgage, but I got copies of my credit report and noticed a lot of inaccuracies.My reports should be 100 % accurate and the credit bureaus are willfully reporting negative items, which is unfair because this is directly impairing the banking system and ruining my reputation with the banking system. I demand that all inaccurate items be deleted immediately because they do not belong to me. My information was made public in the various data breaches ; XXXX data breach is one of them and someone successfully opened up accounts that were unauthorized and I didn't not consent to.
Product: Credit reporting or other personal consumer reports

38 Inquires never requested by me. Letter Sent to XXXXXXXX XXXX  and XXXX  for removal still not successful. Santander Consumer, my car was sold and paid in full with XXXX balance still shows a negative remark and balance and looks like its credit and not a car loan. Needs to be removed completely.
Product: Debt collection

To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  Scheduled to be removed XX/XX/year>. This account is still reporting on my credit and I would like for it to be removed.
Product: Credit card or prepaid card

Hello, why can't I use my XXXX card online?
Product: Debt collection

XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED ACCESS TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Product: Debt collection

The last correspondence was about a month ago showing I owed approximately {$200.00}, how did it go from XXXX to {$3.00}, XXXX in 30 days. The bill has been paid at least four times over the past 15 years or more. I have called the hospital and clinic they supposedly were collecting money on and they have no record to me ever even owing them a bill. This was a XXXX 's XXXX claim for contracting XXXX on the job. This company has been wiping out not only my personal bank account several times, but also my wife 's personal account and my adult son 's account for a bill NOT OWED. XXXX XXXX, a XXXX, also paid the bill off for us when my wife worked for him as he'd received a garnishment. Also this company garnished her wages for the same bill when she worked at XXXX XXXX XXXX. This company took 50 % of my wages while working as a XXXX worker. My wife and I are currently on XXXX XXXX ( laid off ) and have only unemployment for income. They just wiped all all the family separate band accounts leaving us too broke to even hire an attorney to go after them! 

He has more than triple collected on a fake bill for years now. They have created a major financial hardship. 

Years ago this same company that took thousands of dollars from me for a garnishment for a {$15.00} XXXX check that bounced when we lived in XXXX. We had moved and closed out the bank account not knowing the pizza company had not cashed the check. Researching the company after the garnishments, I found the " so called '' pizza company doesn't even exist and I was charged thousands of dollars for a {$15.00} check. 

NOW HERE THEY COME AGAIN FOR FRAUDULENTLY TAKING EVERYONES MONEY.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

This complain is about the dating service XXXX XXXX XXXX i just moved to XXXX from XXXX, I am single I wanted to start dating. I saw this dating service on a magazine on XXXX XXXX. 

I called inquire, I was told they will provide me with in person dates with all the qualities I was looking for. 

12 dates - 6months. I agree to pay. {$3200.00} on XX/XX/2020 Starting match the next month. Covid happens things shut down and as a XXXX XXXX I told the dating service this was a terrible time and I will Like to cancel my services. 

I was completely told I wont get my money back. I reach to my bank, to see what can be done to help me get my money back. But since it was during the Covid the response time was so long, so I reach out to the dating service again in fear that I wont be able to get my money back and was set up for an alternative video date with someone who doesnt live in XXXX in which one of my 12 dates was to be someone who lives in XXXX. It was always to be in person and not video. 

I was completely dissatisfied with their service. Chase bank reach out to them and they still denied to reimburse my credit card. 

I was completely taken advantage of by this dating service and I looks like I cant even get the help I need. My 6 months expires in a month and with that said I will be left to pay {$3200.00} for the worst service in my life. 

I will like you to please take a look into this. Chase bank have tried all they can. I still have the charges on my card.
Product: Money transfer, virtual currency, or money service

I need to formally express my concerns about Zelle 's handling of disputes, especially given the recent CFPB lawsuit that brought significant issues with the platform to light. Despite using Zelle many times and reporting discrepancies, neither my financial institution nor Zelle adequately investigated my claims. They told me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings show that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY  PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct was paid and creditor agreed to delete from credit report and it is still on the report
Product: Debt collection

A process server entered my private property which clearly states no trespassing and cameras and recording are present. He presented himself as a USPS worker and placed a Priority Mail document on my door 25 yards from my locked gate with no trespassing sign. It was not address to me or any of my residences, there was no return address so I called the USPS and they stated that they were never paid to deliver nor was it delivered by them. So since it was was not US mail I opened the package only to see they are suing a XXXX XXXX XXXX. I attempted to look up some of the attorneys listed and one of them states they are not allowed to practice law in XXXX XXXXXXXX XXXX XXXX XXXX. I had to take my medical devices off because I thought it was a government agency the USPS only to find out they are deceiving me and it was not even for me.
Product: Credit reporting or other personal consumer reports

I am filing this statement to report multiple fraudulent accounts and inquiries appearing on my TRANSUNION consumer credit report which I have not opened or authorized. 

Specifically, I have discovered that an auto loan or lease was fraudulently opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$2500.00}, and another auto loan or lease was opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$23000.00}. Additionally, there is a fraudulent personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$350.00}, and another personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$2400.00}. I have also identified fraudulent inquiries and accounts on my credit report associated with CAPITAL XXXX, BANK XXXX XXXX, XXXX BANK XXXX, and XXXX XXXX, none of which I authorized. All of these accounts and inquiries are the result of identity theft and fraud, and I am requesting that these fraudulent items be removed from my consumer credit report and that any related collection activity cease immediately in accordance with my rights under relevant consumer protection laws. 

These fraudulent items reported by TRANSUNION have resulted in unwarranted negative information appearing on my consumer credit reports, including possible collections and hard inquiries. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all related collection activity cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

This is in regard to Chime Bank. On XX/XX/, an individual from XXXX XXXX, FL got access to my Chime account information and made purchases unauthorized by myself. They framed themselves as a Chime worker and even made it so that their caller ID was Chime support 's real number. A few minutes later, the individual made purchases to my account, and when it was noticed that somebody had committed fraud on my account, I filed for a dispute. When filing my first dispute, it was denied due to mistakes being made on the claim. The claim was then filed for rebuttal with the mistakes being corrected. The representative said that the mistakes were corrected, but when denied again, I noticed that the mistakes were not fixed. As of today, I have filed for a rebuttal 4 times and have been denied. I have filed for rebuttal again today and submitted all supporting documents. I have filed a police report and reached out to both merchants and talked with their corporate offices. Even with that evidence, no resolution has been provided. It has now become an inconvenience and terrible customer support.