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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life!

In accordance with the Fair Credit Reporting act Convergent Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX XXXX
Product: Credit card or prepaid card

My complaint is with XXXX XXXX Credit Card. This is in reference to a balance on my credit card of late fees that are assessed on a late fee balance. In XX/XX/XXXX I made a purchase. This purchase appeared on a XX/XX/XXXX statement with a due date of XX/XX/XXXX. I paid in full on XX/XX/XXXX ; however, this was late and a late charge was assessed. The late charge was paid late and incurred another late charge. I contacted them on XX/XX/XXXX ( copy attached ) regarding this and to no prevail. I requested closure on the account and paid a late charge of {$32.00}. A late charge balance remained of which has incurred another late charge. I have contacted them via phone in XX/XX/XXXX and have not been able to resolve this. 
I confirmed my account status was closed and the balance on the account was a late fee. 
The Customer Care Representative indicated there was nothing he could do and failed to notify that continued late fees will be assessed ongoing. I have not been able to resolve this with the company. I feel that this falls under the Credit Card Act and double jeopardy for charging multiple late fees on a late fee balance. I am asking for assistance with this matter. I am concerned that how can a company continue to assess multiple late fees on their own charges to this account. 
I have attached documents : A. Copy of credit card aggreement relating to fees. This area is not explicit and makes no reference to the ability to assess late fee on their own charges to the account. 
B. Copies of internet interactions with the company C. Copies of statements from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Product: Debt collection

declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states that the foregoing is true snd correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. all is being investigated by the FTC
Product: Money transfer, virtual currency, or money service

I disputed a charge of {$100.00} with XXXX XXXX on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made XXXX XXXX recharge me without the service available. That's fraud. And XXXX XXXX will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing XXXX XXXX of stealing my money. But yet while trying to get this resolved with XXXX XXXX, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by XXXX  XXXX. And XXXX XXXX blames Google play.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Bank hasn't reported payment and balance information to the credit bureaus since XX/XX/2022. I have paid off 2 accounts in an effort to get a home loan, but it's still showing a balance on my report.
Product: Debt collection

I relocated from XXXX XXXXXXXX XXXX  in XXXX. I have been living in XXXXXXXX XXXX since XX/XX/XXXX. When I left XXXX XXXX, XXXX I closed out my account with XXXX and returned their equipment before l left. In XX/XX/XXXX hurricane XXXX happened and prevented any further charges due to long term power outages. In XXXX of XXXX I saw a derogatory account from XXXX for {$320.00}, that said it was reported in XXXX of XXXX, appear on my credit report. I immediately disputed the bill through XXXX XXXX, but the decision came back that the information was accurate. I disputed it again through XXXX XXXX and stated the information about hurricane XXXX, but it came back again as accurate information. Then I disputed the bill through XXXX credit bureau twice and they noted that the bill meets the Fair Credit Reporting Act guidelines and that I would need to contact XXXX. On XX/XX/XXXX I called XXXX. I was informed that the bill was for services from XX/XX/XXXX to XX/XX/XXXX. I stated that I live in XXXX XXXX during that time frame, and that I could not have made those charges. They asked if I left anyone behind and I said no. We picked my son up from XXXX XXXX, in XX/XX/XXXX due to illness. When we left XXXX XXXX in XX/XX/XXXX the power was still off since XX/XX/XXXX. No one was in the house during the dates of service. However, they continue to report the inaccurate charges. I believe XXXX has generated these charges fraudulently and are using predatory tactics to remain on my credit report. In addition, I have been denied credit from XXXX XXXX for an additional credit card with rewards due to the inaccurate information reported on my credit report by XXXX. I wish to have the information removed from my report ; and have XXXX report to XXXX that they reported inaccurate information on my credit report that caused my credit score to go down. In addition, I would like for them to pay damages in the amount of credit loss due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX creditor XXXX  XXXX Balance : {$200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

It is with great frustration that I continue to request and look for help. Its been over two years that I applied with wells fargo and their American servicing compnay for a loan modification and as of yet I can not receive any help or understanding of my circumstances. I have provide several packages with all documents requested for their review. The office of XXXX XXXX XXXX who is my attorney requested status report on the file and they state the file was reviewed with in the five minutes that the request for status report was done. My number XXXX gold is to keep our home. However, the main reason that caused us to default in our mortgage was because I lost my employment and at the same time my father in law passes on and we incurred the expenses of the funeral. 
I have let Wells Fargo -American servicing know that we XXXX return to full time jobs and feel that a loan modification would benefit us XXXX. I have provided up dated documents .They keep rejecting our request and claim that due to guidelines there is no other option then to short sale our home or deed I lieu. Why can they at least do a forbearance. .. I want my house. We are in foreclosure and they are looking at setting a sale day. What can we do? My wife and I are both employed. Give us a chance to proof we can handle the mortgage.
Product: Credit card or prepaid card

XXXX XXXX XXXX ( XXXX ) is the insurer for Chase Sapphire Reserve. I made a claim to them for an airline delay that caused me to miss a connecting flight in an amount exceeding {$1600.00}. They required me to get a " Common Carrier Statement of Delay '' from the airline. 

I called XXXX 3 times over the past 6 weeks and used their chat feature once to make the request. I was told every time that they would provide me the form within 5-10 business days. I have never received it. I am going to lose {$1600.00} unless they provide me the statement of delay. 

I told XXXX  that XXXX will not provide it, but did however provide other proof that the flight was delayed by more than 8  hours ( screenshots from XXXX app showing delay ; flight aware tracking ; and XXXX 's webpage showing the delay. ) I requested that they consider this as proof and process my claim which they have declined to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> Subject : Dispute Regarding Charged-Off Account and Request for 1099-C Form Dear CFPB Dispute Department, I am writing to dispute the reporting of a charged-off account on my credit report under 15 U.S. Code 1681i, which mandates the proper investigation and verification of reported information. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off account inaccurately reported As you may be aware, a charged-off account is considered taxable income by the IRS, and I am required to report this on my tax return. According to IRS regulations, creditors are required to issue a 1099-C form for cancellation of debt when the amount exceeds {$600.00}.

To ensure accurate reporting on my end, I kindly request that XXXX XXXX XXXX XXXX issue and send the required 1099-C form to my address listed below.

Additionally, I request that all 3 credit bureaus investigate this account for accuracy. If it can not be fully verified as compliant with all applicable laws, I request its immediate removal from my credit report. 
Please confirm receipt of this letter and provide me with updates regarding the investigation and removal process, as well as confirmation from XXXX XXXX XXXX XXXX regarding the issuance of the 1099-C form. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Temporarily lifting a credit freeze with Equifax : We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen within hours if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax still has not lifted the freeze since mid XXXX. The details are : My account on myequifax.com does not allow me to temporarily lift a freeze. Any Equifax phone number won't give any results since they claim that I do not provide correct information of security questions and that info does not match what they have on file ; the phone call then just ends without having the chance to talk to customer service. I then decided to lift the freeze via regular mail sending in a letter as well as copy of my social security card and drivers license. Letter # XXXX was delivered per XXXX tracking on XX/XX/XXXX ( Equifax had to sign for it ). Letter # XXXX ( this time I included previous addresses, trying to add more information that could be helpful ) was delivered XX/XX/XXXX per XXXX tracking. In the meantime I received one letter from Equifax on XX/XX/XXXX requesting the exact same information I provided in the first two letters. I now sent letter # XXXX with the same information and included their letter in the envelope as requested by them and sent it to the po box that they stated in that letter. Letter # XXXX is expected to be delivered on XX/XX/XXXX. As of today the credit is still frozen per myequifax.com.
Product: Credit reporting or other personal consumer reports

LexisNexis has been reporting an at fault accident on my file for XXXX, I have called and complained, with a we cant help you over the phone we will send you the report and you can dispute it ( DOESNT WORK ). then since I was hoping they would finally fix it I pushed a new insurance app and found out now they added a new not at fault accident to my file in XXXXXXXX XXXX XXXXXXXX and I was home working all day on the day in question, I have no claims no damage to any vehicles. This company is extremely unfriendly and difficult to work with in the name of protecting my false information. They make it next to impossible to freeze your account with them! They send you to a website that is XXXX to navigate, the phone system is a huge time XXXX, and all they give you is canned XXXX  responses and FIX NOTHING. Somebody needs to help the consumers against monsters like this! Im ready to sue them at this point!
Product: Credit card or prepaid card

I mailed a VALIDATION letter to kohls department store on XX/XX/XXXX. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company delete this credit card from my credit as its causing me distress. I DO NOT owe the balance of { {$640.00} } as reported XX/XX/XXXX or any other updated balance that Kohls currently alleges I owe for Account Number : due to the following : Kohl 's has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed in XXXX Kohl 's only provides a card agreement which is NOT a signed contract. 

Kohls also offered to delete balance and change status to closed account due to a class action settlement. The Kohls class action lawsuit was filed in XX/XX/XXXX by several plaintiffs claiming that the retailer and Capital One engage in unfair and deceptive practices with regard to Payment Protection and PrivacyGuard services. 
Consumers with a Kohls credit card were reportedly charged {$14.00} a month for PrivacyGuard credit monitoring services. However, this amount was allegedly charged to consumers universally, regardless of whether or not consumers had activated the services. In some cases, consumers were reportedly forced to pay {$14.00} a month for a product with little or no value. plaintiffs were not required to prove their case definitely. Instead, we were required only to show a reasonable likelihood that continuing litigation would lead to proof. account should be deleted due to no validation of debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on the credit report. Leaving inaccurate or unverifiable. Accounts unresolved. The consumer financial protection bureau CFPB has filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute out these outlines aligned with my experiences. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all disputed accounts, as experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcy XXXX,