23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a written request to AARGON AGENCY INC at : AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX   NV XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector.

Creditor Information AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX NV XXXX   {$520.00} Original creditor : XXXX XXXX XXXX After AARGON AGENCY INC did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXX removed the info from my CBR permanently. XXXX  removed the info then added it back to my CBR after a couple months.
Product: Credit reporting or other personal consumer reports

I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by American Express. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by American Express. That information is INACCURATE and FALSE. I am demand that American Express contact the ALL 3 Credit Bureaus and have the address removed immediately. If American Express is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.
Product: Credit reporting or other personal consumer reports

My personal information was lost/stolen during my tax preparers relocation in XXXX, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting my ability to obtain credit
Product: Credit card

Subject : Complaint Regarding Unresolved Refund Issue After Dispute Resolution Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to file a formal complaint against Apple Card issued by Goldman Sachs regarding a persistent issue with the refund of funds following a recently resolved dispute. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} and the matter was successfully resolved in my favor. However, despite the resolution, I have not received the refunded amount in my account as promised. 

I have made multiple attempts to contact Apple Card customer service and Goldman Sachs to inquire about the status of the refund, but unfortunately, I have not received any satisfactory response or resolution. The lack of communication and delay in refunding my funds are causing significant inconvenience and financial strain. 

I kindly request your intervention in this matter to ensure a prompt and fair resolution. I have attached relevant documentation, including the dispute resolution confirmation and any communication with Apple Card customer service, for your reference. 

I appreciate your attention to this matter and trust that the CFPB will help facilitate a swift resolution to ensure consumer protection. 

Sincerely, XXXX
Product: Credit reporting

I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, a collection was added to my credit report dated XX/XX/XXXX from XXXX XXXX XXXX. I personally have not had a single account since XXXX which leads me to believe this is identity theft. Tried to file a police report but no success, they denied. Please advise, not able to get vehicle finance because of this problem. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX Balance : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX RESIDENT VERIFY Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I was having problems with increased insurance rates. I got a new insurance company that charge {$1900.00} for the year. I told Arvest Mortgage company to put the {$1900.00} in escrow from my checking account so my monthly payments would be lower. Arvest gave the insurance company the full amount of {$1900.00} and needed more money in escrow as a XXXX month cushion. I asked why didn't they give the insurance company monthly payments from escrow? They had no response. Since ai do not pay property tax as a 100 % XXXX American veteran, I requested to end the escrow account which was approved by Arvest. My principal and interest is {$520.00} and some change. Today, Arvest overcharged me {$770.00}. They need to refund my money immediately. I called them at least XXXX times in XXXX weeks addressing the problem. I was STILL OVERCHARGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/, 2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion numerous times regarding these unauthorized inquiries on my credit report. according to FCRA this is a violation of section 1681b ( c ) which is a serious breach of my privacy rights! I have asked them to delete these unverifiable hard inquiries that are not attached to any accounts I have. They have failed to respond within 30 days according to section 611 with copies with any documentation bearing my signature. 

XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

On XX/XX/2019 I uploaded my tax information ( 1040 ) in the FedLoan Servicing portal as part of my Income-Driven Repayment Plan 's annual recertification. 

I was told ( I believe on XX/XX/XXXX ) that my recertification was denied because I did not provide the correct information. I reapplied by sending in my pay stubs, but this too was denied. 

On XX/XX/XXXX and XX/XX/XXXX I called and spoke to two different customer service reps for Fed Loan Servicing. Both confirmed Fed Loan Servicing has my 1040. The woman I spoke to on the XXXX even looked at them with me. We found that whomever was reviewing my case simply was not scrolling down far enough in the document to get to my 1040 ( verifiable by phone recording ). I was denied again on XX/XX/XXXX. 

I called again on XX/XX/XXXX and we went through the same thing where the customer service rep looked at the file with me and found that whomever was looking at the file simply did not scroll down far enough to see my 1040 and my gross income. 

I asked if there as anything I should have done differently and the rep told me no, I have done everything I'm supposed to do correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened the following credit card accounts XXXX XXXX, XXXX card in XXXX. XXXX credit card in XXXX, XXXX XXXX in XXXX all without my knowledge. I have called these banks several times but they did nothing about it. Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them Transunion said they would delete these accounts but they still show on my credit report. Based on the attached transcript. 

TRANSUNION HAS ALSO DONE NOTHING ABOUT THE RESPONSE TO DELETE THIS ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

on XX/XX/2019 I send it a check to XXXX XXXX XXXX from my financial institution td bank and days later XXXX XXXX XXXX tall me that they do not have the check and when to my td bank and they said that XXXX XXXX cashed the check and print out a copy of the canceled check. 
then we file out an affidavit on XX/XX/2019 but a this time l 'm looking to have a solution from my bank because they had to know who cashed and reimburse or credit to me. 
l when to td bank today and the manager was very angry saying that he doesn't know it make take six months to have an answer, and l ask to have the amount of money credited to my account and he said there is not provisional credit which I think it is unfair
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email. from Wells Fargo stating that my Wells Fargo business account had been compromised and to please give Wells Fargo a call. I was busy working and did not see the email so Wells Fargo called me and said a wire transfer of {$13000.00} had been initiated. I stated I did not do that and and the said to read off the verification code that was texted to me and I did. they said they would cancel my cards and bank accounts and rush me new cards. so I waited tell Friday XXXX days later and nothing happened so I went into the bank and explained my situation. They stated that they did not know what was going on and transferred the money sense I gave them the verification code which I did not do! Turns out that I was talking to fraudsters on the phone and gave them the verification number. Wells Fargo has stated this is all my fault. I have made a police report with the XXXX  XXXX police department.
Product: Checking or savings account

I called capital one to order a new debit card after a new legal change. 

I then had a new email address and 4 mailing addresses that did not belong to me. Ive talked to 15 people today, no resolution. 

Also need 3 new credit cards matching my new legal name, they couldnt do that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the XXXX XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.
Product: Mortgage

I was on a COVID Forbearance for my Mortgage with Wells Fargo. In XXXX I called them to inform that I would be ready to start making payments starting XXXX. on XX/XX/XXXX I received mod docs with a first pay of XX/XX/XXXX, documents to be returned by XX/XX/XXXX. This would mean that the loan would not be booked prior to the first payment date. Due to the short turn around time, and because I had stated I was not ready to start payments until XXXX, I called and requested that a new first pay of XX/XX/XXXX be worked. I was told that this would be possible, and I would receive new documents in the mail. XXXX XXXX, Since I had not heard back, I called again to request documents. I was told that they would be mailed to me. XX/XX/XXXX I received new docs, but it still had the XX/XX/XXXX first payment date, to be returned by XX/XX/XXXX. I called again and explained my dilemma with this. How can I have mod docs for a date in the past, and a return date prior to booking? I was told that FHA will not allow a rework. I explained that this was not mentioned previously. I asked for a Supervisor. Spoke to XXXX XXXX ( XXXX ) XXXX XXXX. He too stated they were unable to rework it. However, after explaining that I received the docs after the due date, he stated he would speak to settlement and see if they could rework it. I am not sure why he would be speaking tp settlement to rework, when it was underwriting who would make the decision. Either way he stated he would call me in 2 days. On XX/XX/XXXX I received 2 emails. one that I would be receiving new documents, and the other that a complaint was received and I would hear back prior to XX/XX/XXXX. Since I hadn't heard from XXXX, I called on XX/XX/XXXX. I left multiple voice mails. None were returned. So I called the main number. I was told XXXX had called me XX/XX/XXXX, and left me a XXXX. I explained that I had no XXXX 's. I was told he was off on that day, and that FHA does not allow reworks, and that I would need to send in a traditional hardship app with supporting docs. I stated I was on a COVID forb, and no docs are required for a post covid forb workout. I did not want a traditional mod, but a COVID workout. I attempted to explain to the agent the history of the account. He continued to speak over me, to get all his compliance touch points out of the way. He continued to be extremely rude, so I asked for another sup since XXXX was not in, After being on hold, I was told that none were available, but he would send my complaint for a callback. I also requested that an email be sent to XXXX to call me, since no notes were left on the account regarding what he stated on the XXXX I never received. The agent agreed. It is now XX/XX/XXXX. I have not heard back from any supervisors. I have been dealing with this issue since XXXX. I just want to start paying my mortgage starting XXXX. I am not certain why this is such a huge deal.
Product: Debt collection

I never authorized this company to collect a debt I also was harassed numerous times by phone text and mail They also reposted this debt to my credit report with out my consent
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX