23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Verification of Debt - XXXX Dear CREDENCE RESOURCE MANAGE, I am writing to request verification of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( Section 809 ( a ) ). Specifically, I request that you provide me with the following : XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of last payment ( if applicable ) ; XXXX. A statement indicating that the debt is valid and accurate ; XXXX. A signed verification or affidavit from the original creditor or an authorized representative, confirming the debt 's validity ; XXXX. Any and all contracts or agreements between us, including but not limited to : - The original contract or agreement ; - Any subsequent modifications or addendums ; - Any assignment or transfer agreements ; Please note that sending contracts and statements without a signed verification or affidavit is not sufficient to meet the legal requirements of verification. I require a separate, signed document specifically confirming the debt 's validity. 

If you can not verify the debt, you must : * Cease collection activities ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ) ; * Notify me that the debt is unverified ; and * If the debt is on a credit report, request that the credit reporting agency delete the debt ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ).

Failure to verify the debt or attempting to collect an unverified debt may be a violation of the FDCPA, including but not limited to : * 15 U.S.C. 1692e ( 8 ) ( Section 807 ( 8 ) ) ( false or misleading representations ) ; * 15 U.S.C. 1692e ( 10 ) ( Section 807 ( 10 ) ) ( unfair or unconscionable means ) ; * 15 U.S.C. 1692f ( Section 808 ) ( harassment, oppression, or abuse ) ; * 15 U.S.C. 1692k ( Section 813 ) ( liability for damages, costs, and attorney 's fees ).

Please provide this verification and any contracts or agreements within 30 days from the date of this letter. If I do not receive verification, I will assume the debt is invalid and may take further action to protect my rights. 

Sincerely, XXXX XXXX
Product: Credit card

I ordered a dress from XXXX XXXX, XXXX XXXX  for {$610.00}. The dress was delivered at XXXX XXXX  on XX/XX/year>. I opened the box, discovered that the dress has dar red stains on the neck, contacted customer service at XXXX XXXX  the same day, took pictures of the stains, and returned the dress following their instructions. They did not respond or issue a refund, so I filed a dispute with Citibank credit card dispute dept. I received a message from XXXX on XX/XX/XXXX about a shipment from XXXX -- they returned the dress 3 months later because " it was unusable ''. I still have the dress and I can submit photos -- it looks the same : XXXX XXXX  on the back, the way I received it. They note their return policy that the items have to be " unused '' in order to be returned and list the same pictures as the reason for not accepting the return. 
I submitted all the documentation to citi : communication with XXXX, XXXX delivery time, and photos. I ask CFPB to review this case because I have timely and thorough documentation of receipt and return of the item. Most purchases have at least a 7 day return policy while I reached out to the merchant within XXXX minutes with the issue. How can I prove to them that I did not stain the dress?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report XXXX XXXX XXXX office has reach out to Capital Accounts to have the item removed on several occassions. I have an email that was sent to capitol account requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX XXXX XXXX there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.
Product: Mortgage

Contacted mortgage servicer XX/XX/2023 to request escrow shortage be amortized over 72 months because my monthly mortgage payment has increased sustainably. The taxes and Hazard Insurance increased because of the economy. Was informed by customer service that she would not submit request, because of servicer losing funds assisting homeowners. Conversation was recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Fraud Dispute and Immediate Blocking Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ) Dear Experian Fraud Department, I am writing to formally dispute fraudulent accounts that appear on my credit report and to demand that these accounts be blocked immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ). I have been a victim of the credit breaches and identity theft, and the following accounts do not belong to me : XXXX XXXX XXXX  XXXX I have also filed a formal dispute regarding these accounts through the Consumer Financial Protection Bureau XXXX CFPB XXXX and have included a copy of my FTC Identity Theft Report to substantiate my claim. Under the FCRA, I am requesting the immediate blocking of these accounts from my credit file to prevent further harm to my creditworthiness. 

Supporting Documentation FTC Identity Theft Report- Copies of my government-issued identification Actions Requested Immediate Blocking of Accounts : As required under FCRA 605B, subsection ( a ), these accounts must be blocked from my credit report without delay. 

Notification of Actions Taken : Please provide written confirmation once the fraudulent accounts have been removed or blocked from my credit report. 

Failure to comply with these legal requirements will result in further action, including additional complaints to regulatory agencies and potential legal remedies. 

Please direct all correspondence regarding this matter to the address provided above or via the email address listed. I appreciate your immediate attention to this matter and look forward to the resolution of this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns about inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are negatively affecting my financial stability, and I need your immediate assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.
Product: Credit reporting or other personal consumer reports

I requested over and over again that XXXX XXXX account # XXXX be removed from my credit file. It is up to the consumer on whether an item should remain on file.
Product: Mortgage

I have faxed several mortgage modifications with financials to my mortgage company Penney Mac. My income was reduced when I became XXXX, Penney Mac doesn't want to work with me to reduce my mortgage payment. 
My attorney has filed and injunction to stop them from foreclosing on my home. 
A foreclosure property sale is set for my property XX/XX/2018 and there is a restraining order in place to stop the property foreclosure sale. Penney Mac is discriminating against me and they refuse to respect consumer rights and federal guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

After discovering this issue while trying to apply for a new mortgage, I tried the customer service numbers online. Each one was a dead end nobody seemed to know who to talk to about this issue at Wells Fargo. I closed the accounts in person and they do n't tell me that I still owe money?! I ended up going into the branch where I got some actual customer service. The lady worked with me to try and get me to talk with the correct people and actually appeared to be making progress to resolve this while I was sitting in the branch. The best customer service that I ever experienced at Wells Fargo. Before leaving, we submitted a letter to the credit department and they said that within 10 days they would resolve the issue with the credit bureaus. 9 days passed and I checked in to make sure that I could still expect the 10 days that I had been promised for this issue to be resolved. She broke the news to me that the process had n't been started since the paperwork was not transferred properly. At this point, I was up against a deadline and needed resolution immediately. It was going to be another 10 business days before I could even think about it being resolved. I spoke with a manager to see if there was anything else that could be done and spoke with one other department. The final outcome was that Wells Fargo would not admit any fault in not closing my accounts properly, not reporting to me that they believed I was late on payments, and causing my credit score to drop a substantial amount. I believe that going into a bank and talking with a banker to close accounts should be the most foolproof way to properly close accounts. This is not the case with Wells Fargo. In addition to not closing properly, there were not any phone calls made to me explaining the situation ( that they did n't properly close my accounts ) until they had already negatively reported against me. In the end, I 'm going to pay a higher interest rate on a 30 year loan over $ XXXX due to Wells Fargo 's negligence in properly closing accounts and properly contacting me when something was not up to standard on my account.
Product: Debt collection

On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from IC System for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I involved with fraudulent company XXXX XXXX XXXX, located in XXXX, VA and transferred money from my account in Bank Of America. I had been filed the claim and it didnt resolved for about a month. Please help me to protect and receive my money Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my name is XXXX XXXX and I had been recieveing number of text to my phone concerning help with housing. WHEN i clicked the link Lexington Law was on the line trying to make me fit a profile model to acommodiate their business model to accommidate to the type of service they provide which was suppose to be debt repair service. inital fee {$4.00}. 
Me and this guy did not even get through the exchange of information process. We kept hitting a wall he was trying to make me fit into the box they had prepared. At this point I realize what they were offering would be of no value to me. At that point I told him so and ended the call. I walked away and I thought he did the same. That was Tuesday XXXX XXXX. On Saturday XX/XX/XXXX, I took a look at my online bank account and noticed my SSI check had posted early which has never happen before early access to my funds before the first of the month. someone inside the bank was allowing direct monitoring to my account to be altered to funds posting. And there it was 2 frauduenlt charges to my bank account in the amounts of {$19.00} and another for {$120.00}. My bill money for the month of XXXX. Which I have no other income besides my SSI in the amount of {$340.00} and SSA in the amount of {$640.00}. So I responded to their email trying to reason with them to no avail.
Product: Mortgage

In the beginning of the XXXX lock down my husband and I lost our employment and we could not pay our mortgage. We called PHH our loan servicing company XXXX XXXX XXXX is the investor on our mortgage and holds our mortgage ) we were advised by PHH that our investor participates with forbearance and we were able to use that option. We were told to call them as soon as we were ready to resume payments. We have called PHH in XXXX and told them that we were able to resume payments. And wanted to start making payments. We were not given an option to resume monthly payments we were denied modifications after modification as well the deferment was denied. We were told that the investor ( XXXX XXXX XXXX has denied our modifications. It's been over yr. Now and we are getting letters that we are in danger of losing our house. We have 90 days to cure our XXXX balance otherwise we are facing foreclosure. We were not given any solution and help. We do not want to lose our house! Please help
Product: Checking or savings account

I am writing to file a formal complaint regarding the closure of my Chase Bank ( JP Morgan Chase & Co. ) account without reason on XX/XX/2023 by Chase Bank, and the subsequent withholding of my funds totaling {$1700.00}. Despite numerous attempts to resolve this issue, I have yet to receive a satisfactory response or the return of my funds. 

On the day of the account closure, I was not provided with any explanation for the action taken by Chase Bank. Since then, I have diligently followed up by visiting a branch to file a complaint in person and making several calls to Chase Bank customer service. However, each time I inquire about the status of my funds, I am met with vague responses claiming that my case is under investigation with no clear timeline for resolution. 

It is deeply concerning and distressing that my hard-earned money has been withheld from me without justification or explanation. This situation has had a severe impact on my financial stability and well-being, as I rely on these funds for essential expenses.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Creditor information XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was trying to pay my bill online. I had been late on a payment because Im on XXXX leave and havent gotten paid by XXXX. When I pulled up my statements, I noticed that Capital One does not show your past due & current due as separate amounts. It made it extremely hard to find out what amount is past due and can cause you to have a XXXX day late if your payment is not enough. Every other XXXX of my credit card bills shows what was past due and what is currently due on XXXX separate lines.
Product: Debt collection

This company sued me without any evidence of this debt and after continued to harass me to collect on a wrongful amount that I didnt owe. I have successfully removed them from two credit reporting and will continue to try to remove them from the final.
Product: Credit card

I have XXXX capital one hard hit inquiries on my XXXX Credit Report. I do n't allecall recall applying for credit from Capital One.