23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

i have not supplied proof under the doctrine of estopell by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character. ) 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Mn Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : Jefferson Capital Systems, Inc. 
Alleged Original Creditor : Account number : XXXX XXXX XXXX XXXX Name : Jefferson Capital System , Inc. 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$1900.00} Current Creditor : J

efferson capital systems , Inc . Dear Jefferson Capital Systems, Inc
. 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Product: Credit reporting or other personal consumer reports

A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the XXXX XXXX was sold to XXXX XXXX and Company for servicing a servicer can not collect payments. I was suppose to receive a Cash Advance at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.
Product: Debt collection

On XX/XX/year> ; I faxed a debt validation to this company and never received a response. Since it has been more than 30 days, I'm requesting this alleged debt ( account ) be deleted from my credit report and all collection activities stop. In addition to filing a complaint here, I've also faxed the attached documents to the company again and provided a fax confirmation receipt dated today XX/XX/year>.
Product: Debt collection

I lost my job in XXXX. I paid XXXX and XXXX and the first payment for XXXX but was unable to pay the second installment for XXXX. I received an email notice of the missed payment on XXXX, which I responded to and received a very cordial response. The day after the email conversation, the phone calls began, up to XXXX calls a day. I have tno is explaining to them even sending a second email stating that I would pay no later than XXXX XXXX, as I have gotten another job with a start date of XXXX/XXXX/17. I finally sent a Cease and Desist email XXXX and another on XXXX after the calls continued. The calls have began this morning again.
Product: Credit card or prepaid card

On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent. 

the process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- XX/XX/2020 I had XXXX worked as a XXXX XXXX XXXX for over 20 years. the company sent paper to go to court. during this time covid was bad. I sent a letter to company and court explaining why I could come to court due to having XXXX and being exposted. they didn't reset a court day to give me a chance to dispute the case. They took an advantage of bad timing.
Product: Vehicle loan or lease

My Mercedes Benz account number is XXXX. I called Mercedes Benz and advised them that I was not working due to COVID19 and agreed to defer 3 payments under the circumstances. My account is allegedly deferred but they are still reporting late payments to my credit bureau for the months of XX/XX/XXXX 30 days, and XX/XX/XXXX 60 6days with a past due amount of {$2600.00}. I received a call on XX/XX/2020 from MBFS saying they were calling to help me with my account due to COVID19. I was confused because I had already contacted them last month for assistance, so that was a red flag for me especially with the erroneous credit reporting that is not even suppose to be happing under the current CARE ACT. The rep. XXXX advised me she would be calling me back regarding my account. 

Heard back from XXXX today and she basically said they were not going to be doing anything to fix my credit or report the correct information, and told me to disputed with the credit bureaus, and she was suppose to have called me back on XX/XX/2020. 

I advised her I would be making this complaint because my credit is being ruined and they are not following the present order in place to protect consumers. My account was positive and now they are reporting it negative after they LIED and told me the payments they were reporting are deferred payments. Does not make since.
Product: Credit card

I made a legitimate charge, was deceived, and when requested support from AMEX, was lied to. I was told via e-mail that I would receive detailed notification in writing/in the mail about my dispute, but was never received. Same time I received correspondence from AMEX separate from the dispute, but never received written detail from AMEX by XXXX Mail ( or otherwise ). Also, when I notified AMEX of the above, I was lied to and deceived. The whole matter cost me {$350.00}, and AMEX did not follow their written dispute process.
Product: Debt collection

I am a victim of harassment for a third party collector who I've never had a contract, agreement or service with. I had service with XXXX originally they said they was giving XXXX giftcard for opening a new line of service. They never sent it, so I canceled service with that same month. This was in 2011 this was literally 12 years ago. Now this debt collector is harassing me and have put a collection on my account.
Product: Credit reporting

I was listed as an occupant on a lease with my parents and they ( my parents ) have an outstanding debt with the company. This company has reported the debt with Experian Rent Bureau and both the Rent Bureau and XXXX XXXX refuse to remove the item. I never signed the lease agreeing to be held responsible for any unpaid rent and/or damages to the residence. I am a XXXX yr old single mom trying to rent a apartment for me and my son and this is keeping me from doing so. Attached please find a copy of the original lease and a copy of my dispute with Experian declining to remove the inaccurate information. I do not feel as an occupant that I should be held accountable for the lease as I did not sign any documents agreeing to being responsible nor was I made aware that this was the case. The debt has been sent to a collection agency called XXXX XXXX and they have agreed that I am not responsible and removed the debt from my credit. However the property management company has reported it and refuses to speak to me personally about it or remove it from my Experian Rent Bureau report. Please contact me with any questions. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

21 Hard inquiries On my credit file that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This DRS account with a balance of {$450.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must comply with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have acquired my information and are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my XXXX electric bill because my husband has been taking care of this bill for over XXXX years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over XXXX different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. XXXX long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of prison and changing my life this is a step back for me especially because this isn't my debt. Please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and data contained in my report are false.
Product: Mortgage

Sent in a request ( XX/XX/year> ) to have the payment ( {$6800.00} ) processed from a different account for one payment Servicer continued to use the account after the authorized one time payment. I since tried to cancel the ACH and was told they will not do that. They have already pulled from the account one time ( XXXX ) and now say they will continue to pull from that account. I emailed and was told no and I called and was told no I asked to speak to a manager and they told me they will continue to pull from the account
Product: Credit card or prepaid card

This is a formal complaint against Capital One XXXX  XXXX 1.5 % cash back credit cards. I believe that Capital One Credit Card practices are unfair and out of touch with real people. Apparently, the algorithm that was set up and being used by Capital One to automatically approve or deny a consumer 's request for a credit limit increase is unfair and flawed. I have been trying for three years to get a credit limit increase above my current {$1500.00} and have been rejected by Capital One almost 10 times. I have a credit score of XXXX or more, make over {$200000.00} annually, and make all of my payments 100 % on time, but I can not get a credit limit increase from Capital One, not even for {$500.00} additional. Among the lame reasons for rejection is that I haven't used the credit card enough to warrant an increase. This is false, because I use the credit card everyday. And since I can't get a credit limit increase, I can't use the credit card to make bigger purchases, just small purchases. 

I contacted Capital One today on XX/XX/2021 and was told by an Account Executive at XXXX, Florida that there was no one or no actual person that would be able to assist me to make an assessment to increase my credit limit and override the established process, and that the approval/denial process is automated and can not be altered. 

I want to know how many requests for credit card limit increases have been processed by Capital One, what is the percentage of those that have been approved or rejected, and what are those consumers ' credit scores and salaries? Because, I don't think I'm being treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/19 Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the XXXX credit bureaus XXXX, XXXX  and Transunion to remove late payment to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time. 
Date of last payment is inconsistent across the bureaus. 
Date the account was last active is different across all credit bureaus. 
Account Balance is different across all bureaus. 
The high credit limit is different across all the credit bureaus. 
Account is erroneously reporting 30 date late payment on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I was injured on  XXXX   XXXX ,  2016 . I made my  XXXX  loan payment, but called Prosper to let them know I could not make full loan payments until I recovered from  XXXX  and went back to work full time.   The prosper representatives I talked to promised a " program '' that might allow me to move my payments to the end of the loan, but only after making  three  additional payments. It sounded suspicious, so I questioned them very carefully. This program was a lie. No such program exists. They only admitted this after suggesting I borrow from friends and family to make these " qualifying '' payments. Lies may not constitute fraud, but I was lied to, outright, in an effort to bilk money from my family while I was injured and unable to afford anything.
Product: Credit reporting or other personal consumer reports

The account has not been reported correctly.. They have reported the account date incorrectly. I also included this account in a XXXX XXXX case that has been discharged. They are violating the FCRA because, even after been notified of the case. They are still reporting which is a violation when they are notified that I filed XX/XX/XXXX. XX/XX/XXXX they reported it late and charged it off. They should have stopped reporting immediately.
Product: Debt collection

On XX/XX/XXXX, I received a voicemail from a restricted number stating intent to serve me legal papers between XXXX and XXXX the next day. I called the phone number and referenced the case number provided on the voicemail. A gentlemen advised me that the company he represents, XXXX XXXX XXXX, was retained by Wells Fargo to make a recommendation on how to proceed. He said they were looking to file a civil judgement and pursue me for a charged off checking account. The amount owing was {$1900.00} and they were seeking up to three times that amount. I remembered having such a checking account when I lived in MN and I was much younger. I do believe this account was past the statute of limitations to collect on. I also advised the representative that I had filed a chapter XXXX no asset bankruptcy in XX/XX/XXXX and it was XXXX. He placed me on hold to speak with a supervisor. When he came back he did say that indeed my bankruptcy did cover this debt. I was relieved but definitely in a state of panic. This company should not have contacted me at all! They should have done more research on the age of the debt and the fact that it was XXXX through bankruptcy.
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Debt collection

EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.