23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Aargon Agency Inc is reporting a collections debt in the amount of {$1100.00} on my credit and the original creditor XXXX XXXX XXXX XXXX. The listed open date is XX/XX/2019 and last reported on XX/XX/2019. 
I have not received any communication from Aargon Agency in regards to any debt and certainly have not opened any accounts on XX/XX/2019 with XXXX XXXX. 

I do receive harassing and threatening voicemails from 1-2 times a day from phone number XXXX threatening to come to pursue me at my place of employment and home. They request I call back XXXX to resolve but do not leave a contact name, business name or any information in regards to where they are contacting me from. I believe this is illegal practices performed by Aargon Agency on top of the false debt reporting. I do not have any outstanding debt or collections other than what this agency is falsely report on my credit to explain these calls.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX XXXX XXXX, with a reported balance of {$940.00} and marked as Placed for Collection. After reviewing the information, I believe this account has been reported inaccurately, and I request a thorough investigation into the following discrepancies : XXXX. Account Status : The account is listed as Open while simultaneously marked as Placed for Collection. This dual status is contradictory and raises questions about the accuracy of the reporting.

2. Balance Verification : The reported balance of {$940.00} is incorrect based on my records, and I request validation of this amount. 
3. Remarks : The remarks indicate that the account is in Collection, but no detailed information has been provided to substantiate this claim, such as original account statements or documentation from XXXX, the original creditor. 
These inaccuracies are significant and negatively impact my credit report. I am requesting that you verify the information with XXXX XXXX XXXX XXXX and provide documentation from XXXX to support the reporting. If the information can not be verified, I respectfully request that this account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide me with the results of your investigation as soon as possible. 
Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I worked in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted Bank of America to let them know that I was affected by the pandemic and would not meet my obligations in XXXX and XXXX. I asked if I could skip the XXXX and XXXX payments, which I would catch up on in XXXX when I received my income tax return. But because my account was closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus as delinquent payments. They did tell me that if I had not had a previous hardship, they would have honored my request. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note accounts as current. 
I was discriminated against because I had a previous financial hardship. My son has XXXX and was hospitalized for XXXX  XXXX  when I had the first financial hardship. I was on XXXX XXXX XXXX XXXX without paying to be with him. I was not sure if he was going to make it. It was a scary time for me as I am a single parent with no financial or emotional help from anyone else. I could have filed for bankruptcy or not paid my obligation, and it would be off my credit report in another year. Instead, I chose to do the right thing, close my accounts, and work out a payment plan with my credit card companies to pay back what I owed them. Making the monthly payments was not easy, but it was the honorable thing to do. I faithfully paid what I owed to the credit card companies. In XXXX and XXXX of 2021, I could not make the payments to Bank of America due to the Covid pandemic. I was advised to call the credit card companies to let them know about my situation and ask for a two-month deferral to make up all the past payments and make the accounts current with my income tax return, which I did. I also read that in the Cares Act, the creditor was supposed to report all payments missed due to Covid as current and not delinquent. The above creditor reported these missed payments as seriously delinquent and did not follow the law. Before XXXX of 2021, I had never had a delinquent payment in my XXXX credit history. 
Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these XXXX past due payments, my credit score has dropped over XXXX XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. I want Bank of America to delete the delinquent payments reported in XXXX and XX/XX/2021 and mark them as paid on time, current and agreed upon. I would like to have them delete all delinquent payments due to my record and according to the Cares Act. Thank you!
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern please be advised my account with select portfolio servicing Inc. is a commercial business purpose loan and should not be reflected or reported on my personal credit report. Please have them remove any reporting on my personal income immediately. Any credit reporting should only be reported on entity
Product: Mortgage

I have been trying to get a loan Modification for over 2 years. I have been disapproved on my short sale also and I am XXXX military.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

This is regards to XXXX XXXX account # XXXX on my credit file on XXXX and Equifax reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports
Product: Credit reporting or other personal consumer reports

My XXXX  instructed me to write a letter because I am a XXXX  of XXXX XXXX. 
I am in a desperate need to fix this problem since I am trying to get things in order The Accounts that I put below are due to the XXXX XXXX  violation that has nearly ruined my life Please remove these accounts so I can start taking steps to getting my life back together. 
Thank you so much for assisting me and offering these resources to XXXX  like me. 
ACCOUNT THAT ARE FRAUD DUE TO XXXX XXXX  : XXXX. XXXX XXXXXXXX XXXX XXXX  opened XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX opened XX/XX/XXXX XXXX. The XXXX Inquiries Below | The only inquiry I did was the XXXX  XXXX XXXX in XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681 section 602 A : states i have the right to privacy. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I received an Amex eGift Card for a bonus from work. It was for {$250.00}. It was received and activated on XX/XX/XXXX. 

It was used to try to make a purchase at XXXX on XX/XX/XXXX. It was declined 2x, once while the customer service rep was online with me. Interestingly, Amex charges XXXX for each declined transaction, which is declined by them! 

I called Amex, the online system ( you can't get to a human ) confirmed the balance and the activation. The XXXX rep confirmed that eGift cards usually decline from Amex for unknown reasons by Amex, despite the card being valid and the fact that they take a physical Amex card in stores. 

The issue is Amex here and in researching this issue, I've found that there are virtually no places that accept the eGift card online. This card is useless and Amex seems to hope that people just give up and walk away from the balance. This seems like very predatory behavior by Amex. 

I would like to be able to use this card but have no way of doing so. Please help!
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and XXXX am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A t  XX/XX/XXXX , I  traveled with my friend from  XXXX  to  XXXX . My friend  is at North Dakota, I picked  him up  at North Dakota, then  we went to  XXXX . My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The seco nd day I rece ived alert information form   XXXX   and DISCOVER, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from  Discover, that showed me they will close my account, give me 2 reasons. But those reasons are not mine, every time, I paid my bill on time, and whole bill not partly bill. I never get this   situation.Still now I have  XXXX  benefits for my  Discover, they did not return that to me.I think that is very unfair to me to close my account by Discover. Please, check it. I promise every words are truth.I have case number by police office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance has been reporting that my payments are not being sent on time. I have made several attempts to clear this with Selene with not help from them. I have record of all my payments and the 3 extra payments made so I can stay ahead of the game. I am in the middle of loan and this has held me up with my company financing. I have proof of every payment and when the checks are cashed. They are sitting on checks and allowing clients to fall behind and trying to collect late fees in a already crazy time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This protection applies as long as customers account was already current. This applies to agreements made starting XX/XX/XXXX until 120 days after the COVID-19 national emergency ends. 

XXXX XX/XX/XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements under the Cares Act Credit reporting relief and security Act
Product: Credit reporting or other personal consumer reports

I informed Transunion that I did not provide them with my written consent to report derogatory items on my consumer report.
Product: Money transfer, virtual currency, or money service

XXXX convenience and speed have made it a popular choice for peer-to-peer transactions, but it also exposes users to certain risks, particularly in terms of fraud and disputes. While XXXX itself is designed to be a quick and easy way to send money, it lacks the built-in consumer protections that many users might expect from traditional banking or credit card services. The current lawsuit highlights the need for clearer, more effective dispute resolution processes and better fraud protections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX **To : ** Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Identity Theft Request for Fraudulent Items Removal Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I have recently discovered that unauthorized accounts and/or inquiries have been reported under my name and Social Security number. These accounts were fraudulently opened without my knowledge or consent. Under the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair and Accurate Credit Transactions Act ( FACTA ) **, I request the following : 1. **Immediate Removal of Fraudulent Items : ** - Remove all accounts and inquiries identified as fraudulent from my credit report. - Ensure these accounts do not reappear on my credit report unless validated by me. 2. **Fraud Alert Placement : ** - Place an extended fraud alert on my credit file for seven years to protect against future fraudulent activity. 3. **Verification of Disputed Items : ** - Provide documentation used to verify the accuracy of the disputed accounts, including the application or transaction details. I have enclosed the following documentation to support my dispute : - A copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - A copy of my police report or Identity Theft Report filed with the FTC - A detailed list of the fraudulent accounts and inquiries Please conduct a thorough investigation into this matter and respond within 30 days, as required by law. Additionally, I request written confirmation once the fraudulent items have been removed and my credit file updated. THE ACCCOUNTS ARE LISTED BELOW XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XX/XX/XXXX XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian
Product: Mortgage

On  XXXX   XXXX ,  2017 an em ploye e of First B ank sent an email to  my Home Owner 's Association 's board of director 's   email distribution list. He attached an unprotected .pdf file of paper work I had filed as part of the loan application including bank statements,  XXXX  and pay stubs. My full name, address, social security number, bank account numbers, user name and email address were published. This is a clear violation o f Public Disclosure of Private Facts   tort. First B ank 's response has been paltry. I had to find out on my own that I could register for 90 days of fraud protection from the  XXXX  credit bureaus. I have been offered one year of identity theft protection.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

Subject : Dispute of Harassment I am writing to formally dispute and request an investigation into the harassment I have been experiencing from [ XXXX XXXXXXXX XXXX XXXX ]. I believe that the repeated and unlawful communications I have received constitute a violation of federal and state laws, and I am seeking your assistance in addressing this matter. 

Summary of Harassment : Phone Calls : I have received numerous unsolicited phone calls from on [ list dates and times if possible ]. Despite my clear requests to cease all phone contact, the calls have continued. 
Emails : Additionally, I have been subjected to an excessive number of emails from [ Name of Creditor/Collection Agency ] regarding the same issue, despite my efforts to opt-out of further communication. 
Applicable Laws : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692c ( a ) ( 1 ), a debt collector is prohibited from contacting a debtor directly if the debtor requests no further communication. Additionally, 15 U.S.C. 1692d prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt.

Telephone Consumer Protection Act ( TCPA ) : The TCPA, found in 47 U.S.C. 227, restricts the use of automated dialing systems, prerecorded voice messages, and unsolicited calls to consumers, particularly if such calls are made to a cellular phone without consent.