23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put JEFFERSON CAPITAL SYST, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
JEFFERSON CAPITAL SYST XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency.

Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ).

I do not have any business with your company, and I do not owe this alleged debt.

A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies XXXX, and TransUnion to verify, method of verification used, + original contracts. XXXX or TransUnion has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called Corelogic Credco, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the 500 range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I VISITED A XXXX IN XXXX  AND MY WALLET WAS STOLEN, IVE CONTINUED TO MONITOR MY ACCOUNTS BUT NOW I SEE CREDITORS ON MY REPORT THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE. I SEE SOMEONE HAS BEEN ATTEMPTING TO OBTAIN LINES OF CREDIT FROM CREDITORS SUCH AS : XXXX LOAN, XXXX XXXX, AND MI SCHOOLS. 

I'VE CONTACTED THE BUREAUS INDIVIDUALLY IN REGARDS TO THIS MATTER VIA PHONE AND MAIL. THESE ACCOUNTS ARE NOT VERIFIABLE, AND NEED TO BE DELETED. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT WHICH IS IN VIOLATION OF 15 USC 1681 FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT MY ADDRESS BE UPDATED AND ADDRESSES WHERE I'VE NEVER RESIDED ALSO BE REMOVED FROM MY PROFILE.
Product: Prepaid card

I was given a {$75.00} Vanilla Visa gift card back in XXXX from a friend. I tried to use it in XXXX and it did not work. I called visa and they said my card had been compromised ( they could not tell me why ) and that they would mail me a new one. So I got the new one in the mail, and the new one doesn't work either. I called them again and they informed me there is a hold on the new card and in order to lift it they need a picture of the front and back of the card ( which I could send ) and a copy of the receipt which I do not have. They said to go back to the store to get it but since then, both me and my friend have moved out of state so that is not possible. I could provide the name of the store and where it is located but getting the receipt is impossible. He said if I don't have the receipt I will lose the money and I don't think that is fair! My friend purchased the card, I did nothing wrong, and I don't think its right that I will lose out on that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. I have filed a compliant last XX/XX/XXXX about this matter however I did not receive a response from them. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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: Checking or savings account

For four weeks ( starting around XX/XX/2020, if not before ), I have been unable to access my HSBC US checking account either via the website or via the HSBC US mobile app. Consequently, I am unable to check my balance or perform any other operations, which is especially difficult at a time of such uncertainty. 

I have been making almost daily attempts to access online banking. I get as far as the prompt to enter my user name. After clicking Next, I get a generic error message. On the website, this message reads simply : Error Occurred The system is currently unavailable, please try again later. 

On the mobile app, it currently reads : Service unavailable We're sorry, this service is temporarily unavailable. Please try again later. XXXX ( For a while, it previously read along the lines of ERR_GENERIC_NO_TITLE. ) On Thursday, XX/XX/XXXX ( over a week ago ),  I contacted HSBC via the online chat. After being asked to provide some likely irrelevant information such as whether I had tried using a different web browser, I was told that the issue was not down to any problem with my account, and that it should be fixed within one day. Since that time, I have not received any contact from HSBC, and the issue persists.
Product: Credit card or prepaid card

On XX/XX/2021, my XXXX year old son received a solicitation to open/use a NETSPEND XXXX by XXXX card. He does not have a job and did not apply for this card. When I tried to contact the company to see why he was sent the card, I could only reach a voice prompt that said I could press 1 to activate the card or 2 to deny the card. When I pressed 2, I was told I had to enter the card number and the # sign for this option. I was not comfortable with doing this option. 

I do not think it is right for a bank to reach out to a minor with this type of offer.
Product: Debt collection

I have repeatedly tried to contact Pinnacle Credit Services and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. Pinnacle tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called Pinnacle again this morning XXXX XXXX XXXX ) and was informed that they had been sold to XXXX XXXX Services. I was able to speak with a supervisor at XXXX who informed me that I would still have to pay via Pinnacle, but all of the phone numbers for Pinnacle go directly to XXXX. After calling a third time to XXXX, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asurint performed a background check on me for employment gave employer wrong information I will lose offer if this is not corrected asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in XXXX and again on XX/XX/22. I have requested several times that they remove personal information including all old addresses, phone numbers, employment, public records for my bankruptcy, inquiries and accounts from my report. I stated federal laws explaining to them that they are illegally reporting these things without my written consent in which it has been causing undue hardship, defamation of my character, stress, embarrassment and most of all has prevented me from obtaining goods and services for my personal and family purposes. Transunion has failed to honor my request and continues to report illegal and incorrect information on my consumer reports further continuing to hinder me in excelling in life and allowing any business that I initiate into a consumer transaction with to discriminate against me because of the incorrect information provided by Transunion on my consumer report.
Product: Debt collection

Sirs : I have spent the last 6 yrs. trying to give Bank of America and now XXXX 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX
Product: Checking or savings account

I was contacted by chase via text on XX/XX/19 regarding a fraudulent charge. I replied no and then called after Finding someone accessed my account attempting to quick pay themselves 3 transactions for XXXX, {$1900.00} and {$500.00}. All except the XXXX went through. I spoke with someone who rejected the other payments and said Id have to speak with the fraud dept in regards to the XXXX. I called after work and the rep said Id have to close my account over XXXX cents. I told her NOT TO CLOSE MY ACCOUNT. She went and closed my account while I was out dining with my family. I called the bank to complain and spoke with a manager who told me that was their process even though i told them not to close my account. 

I went to the branch the next day to reopen the account. They started a new account. I requested my funds be transferred to my new account. Then got a call that the amount they gave was wrong and I had to come back. My online access wasnt updated so I had to call and spend an hour on the phone getting that straight. Then when i was able to get my online access I found 3 checking accounts and 2 savings account. The old saving account was over drawn. I wasnt able to receive quickpays that were sent to me. All 5 payments that I had set up on auto pay were rejected because they closed my account without my consent. So I am now being charged with returned check fees. Not only that but the XXXX cents they closed for fraud, they did not return that money to me. I called the bank and they couldnt explain why I had 2 additional checking accounts, 1 additional savings, why i could not get quick payments someone sent to me, or why I didnt get the XXXX they closed my account over. Chase has caused me l severe stress and financial distress with my creditors. This is a nightmare and no one seems willing to assist. This is the worst bank experience Ive ever had.
Product: Checking or savings account

Hey, I have a prepaid with Albert, my payroll comes to this account, however in the system my routing number was correct but the last 4 digits of my account number was not, so my pay was sent to wrong account, contact customer service with Albert, lot of back & forth messaging, state for me to contact direct provider, am confused, they are my provider, we corrected everything with my employer by putting the correct last 4 digits in the system, we did our part, then I was to call Albert, no resolution at all, just contact your direct provider
Product: Credit card or prepaid card

XXXX On the XXXX XXXX, my wallet, XXXX credit card in it, XXXX XXXX, sun glasses were stolen from my car at XXXX gas station while i was buying the drink inside. There was personal information ( photocopy of my personal documents, and credential files for my online accounts ) in the flash memory drive. I reported it and got incident report number. 
After a few days on the XXXX XXXX I got a security message about a fraud activity that {$4000.00} transaction attempted with this stolen card. I didn't recognize it and declined it in order to block the card. I got this message twice for XXXX attempted transactions. Then i checked my online account in the app one of {$4000.00} XXXX  was illegally purchased into my XXXX account. I understood that my bank and other personal information was stolen and misused. I immediately called the Fraud Department of the XXXX XXXX  and reported it. I explained them that the card and my personal information were stolen and misused. The bank started investigate the fraud and credited the money into my account. I also contacted to XXXX, and explained them my information was stolen and misused then there was happened {$4000.00} unauthorized transaction which has not been executed from my side. 
They didn't listen to it and not accepted, demanded {$4000.00} which i had disputed it with the bank. Then one month later the bank called me and said we had your personal information, documents from them and we think it has been done by you and we charge or put that {$4000.00} on your account. 
I asked these docs from XXXX ( investigator from the banks ), she promised me to send them but then did not send. 
I had not provided any personal documents to XXXX, not earlier and no later. And although i have used their service, i have never used that bank card information for any transaction. 
I explained the same to the bank. The bank mentioned, " we can't consider it fraud if you used their service before. '' They didn't listen to me and blamed me. 
I have my account at XXXX but i had not used this bank information for any purchase at XXXX. It is not recognized by me, and they don't have any proof that this card was used before on this website. They just didn't listen to me, do what they want and using their power. 
So I disagree with this illegal transaction and decided to raise a claim and provide my proofs. I want the bank does its credit card obligation in in front of me based on the credit card agreement and remove the {$4000.00} credit from my account in a short time unless my credit score not damaged. I am not going to pay that {$4000.00} because somebody has misused it, i have not done this purchase for nothing. Merchandiser can understand it, can easily return it to the bank because there was nothing instead. 
Please, help me on that issue that the bank does his responsibility. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

I have recently become aware of fraudulent activities carried out using my personal information without my consent. It has come to my attention that several credit card accounts have been opened in my name with XXXX XXXX  and XXXX XXXX XXXX. These accounts were unknown to me and as a result they were not maintained and subsequently been CHARGED OFF. Upon discovering this unauthorized account, I immediately contacted each of the companies. After being directed to their fraud department I was advised to file and report on this sight and that is why I'm here right now. I hear by assert that I did not open these accounts, nor have I received any benefits from them therefore I am requesting your immediate assistance in closing these fraudulent account and removing them from my credit file A.S.A.P. I'm also requesting a freeze on my credit file to prevent further fraudulent activities. Thank you for your prompt attention to this serious matter.
Product: Payday loan, title loan, or personal loan

I spoke with XXXX, branch XXXX, and told me that in addition to pass due balance fees, that I would be held accountable for repo fees. Upon completion of payment for the loan, and additional fee of {$410.00} was added to the repossession after the agreement was paid ; forcing me back into default. I never received a letter stating impound or repo date or letter stating any fees regarding a key purchase, of {$410.00}. This is unfair practices under federal law. Please investigate these deceptive practices. 
12 CFR X ( b )., c.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Equifax requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Well unfortunately they have a third party contacting me telling there filing next I will be arresst again this loan is so old so I had no idea what is going on this was way back XXXX, I had given them a check from my account that was active again I havent lived in Texas since XXXX its now XXXX, now they telling me I have to pay right away. The Loan Company Is Check & Go, I Havent Heard From Them Since.
Product: Debt collection

I received an earnings withholding order from XXXX XXXX XXXX regarding a debt that I apparently owed from a company UHG I LLC from my employer XX/XX/2025. I contacted XXXX, the same day to inquire about this issue and to try and stop the garnishment. I was advised that UHG was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from UHG nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now XXXX will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.
Product: Mortgage

I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that Midland Credit Management is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from Midland Credit Management ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that Midland Credit Management will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX