23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and immediately noted that Aargon Collection Agency had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, Aargon did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification Aargon received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. 
Aargon did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants Aargon to delete this entry. My continued efforts to remove this entry from my reports was with a direct dispute to the company, ( see attached ). The company responded, see attached. 
The ACA ( Affordable Care Act ) provides that a company should not report any alleged medical debt on a consumer report prior to six months. Aargon Collection Agency violated and blatantly ignored this law. See attached credit reports whereby reflect the account was opened XX/XX/2022, and they began reporting XX/XX/2022, see attached. This was a mere 5 months, which definitely demonstrates their negligence. Again, no dunning letter was sent and the company inserted this inaccurate entry on all three of my credit reports. This entry is continuously updated each month which further diminishes my creditworthiness and has caused me to be denied credit. It is puzzling to say the least, that Aargon Collection Agency can update a derogatory entry on my credit report but not follow the letter of the law as it relates to notifying consumers and inserting derogatory information on a consumer report. 
Aargon did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of Tennessee. Aargon did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide the name and address of the bonding agent in case legal action becomes necessary. Aargon blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( XXXX ) failing to cease collection efforts and reporting when they received the letter of dispute, this entry should be deleted from my credit report immediately and Aargon should remunerate me for the violations.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$530.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

I had a XXXX card from XXXX. I had the card on Auto payment and every month, the card was automatically paid in full every month which XXXX debited from my checking account. The XXXX card servicing bank was switched without my approval from XXXX to Barclay 's bank in XX/XX/XXXX and a new mastercard account, with a new account number, was automatically opened for me at Barclay 's bank and the balance was transferred. Barclay 's bank turned off the Auto Payment unbeknownst to me. When I discovered that the my XXXX credit card account was not paid automatically as before, I paid it once I discovered the account was transferred and the auto payment feature stopped. Barclay 's bank then reported my payment to all the credit agencies that I was 30 days late. However, even after disputing with Barclay 's bank and the 3 credit reporting agencies, Barclay 's Bank continues to report on my credit report that " I made '' a late payment which is hurting my score and my ability to access credit and the best rate. This was not MY doing it was THEIR doing. I do not have any other late payments on my credit report in the history of my file which started in XX/XX/XXXX. The lower credit score now indirectly costs me more money through higher rates and less advantageous credit offers.
Product: Debt collection

I had cell phone service with XXXX XXXX  for about 10 years. They kept going up on the rates for a unlimited family plan of 3 lines. After my 2 year contract period was up I decided not to renew it. Well in 2011 XXXX XXXX  stopped offering contracts, your bills were month to month unless you bought a new device from them. I contact XXXX XXXX  and explained to them that I no longer wanted phone service with them and after I pay my current bill they can discontinue my services.The CSR said it was fine and that's because they no longer do contacts. Well about 2 years later I check my credit report and I see XXXX XXXX in the collections part for {$1400.00} and I had just opened up a account with them. I contacted XXXX XXXX, the CSR states that I was charged a line cancellation fee for 3 lines. I stated that was impossible because my contract was up, I didn't purchase any new devices and I had phone service with them for about 10 years. I also stated XXXX XXXX  no longer do contracts anyway they do month to month unless you purchase a device. The CSR then stated well you're charged for it and you need to pay it. I then disputed it on my credit reports. It was removed. They keep selling it and replacing it on my credit like I just opened up a phone acct making a negative collection and lowering my score. This has been right at 7 years ago if not more.
Product: Debt collection

I sent a debt verification request via certified mail on XXXX/XXXX/15 and BCA financial did not reply to my letter within the XXXX days time frame. Because they are unable to verify this debt is mine by law they need to delete all negative information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent
Product: Debt collection

Global Radius Solutions, call me and advised that the number they had was XXXXne that was provided to them which is untrue, the number provided is not even on my XXXX account or any place else. The loan they are stating that I owe is still on my XXXX account and from XXXX XXXX which is now closed. They contacted me on XX/XX/2018 under complaint # XXXX and today and advised them for the second time not to contact. 
She complied but i'm pretty sure they will try again.
Product: Debt collection

Ive identified multiple unauthorized accounts on my latest credit report. I ask that these be blocked and removed promptly.
Product: Debt collection

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to ARS for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Product: Debt collection

I have attempted in the past to notify this company that my credit was stolen and multiple items were purchased under my name and social security number.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

XXXX XXXX is showing in the remarks early termination and balance owing. The Vehicle was a total loss that is why the lease was terminated early. They were paid by the insurance company I also had GAP in the lease. I paid all the property taxes owed to them. I don't owed them or never had a balance with them.
Product: Mortgage

XXXX XXXX won a home from me in court, but he failed to refinance the joint mortgage before he stopped making payments. The mortgage company did not send me any statements or provide any notice, they reported me to all XXXX credit reporting agencies as failure to pay. XXXX settled the account satisfactorally by sort sale, but my credit report has n't been updated to reflect a positive outcome.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan through 4 banks and was told by the last bank that I had an excessive number of inquiries on my report. I look at my credit report and noticed I had 26 companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within 24 hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for 2 years. 
Because I am a realtor, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Vehicle loan or lease

West lake financial returned my vehicle as agreed on XX/XX/XXXX. We were informed that the vehicle was in the same condition as when it was picked up 6 months ago. We have been working with XXXX XXXX. When the car was delivered it was NOT in running condition and the key was broken off in the ignition the car has no power and is not running. My mother has made several calls with no answer. One additional call was placed this morning to XXXX which is XXXX number at west lake that has now been disconnected. Since my loan falls under the SRCA it was rewritten following those guidelines. As you can see in the attached documents westlake states the car is in running condition.
Product: Debt collection

I pulled my credit report and saw the company Wakefield collecting for a company called CEP of America to companies who I HAVE NEVER done business with, This has to be the result of identity theft,
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was compromised in the 2017 hack of Equifax. Hackers have access to my personal information including, DOB, SS #, Address, and other identifying information that could be used to open accounts in my name.
Product: Mortgage

I am writing this complaint about this mortgage company called Jet Direct Mortgage. I applied for a mortgage with them since XX/XX/2020 and it took them forever to work on the case, very unprofessional and incompetent. In the end, I ended up losing the deal and wasted time and money at their fault. 

The loan processor and also branch manager ; XXXX XXXX couldn't even do a simple Debt to income ration calculation and kept on telling me I wasn't qualified for the loan meanwhile the formula is everywhere and I was more than qualified. 

My complaint is all together I have lost more than {$2000.00} attorney 's fee etc ... what action can I be taken against them? Also should someone that can not even do a simple DTI calculation be licensed to do this job? XXXX knows how many people she has turned down and make waste time and money which are two things we value.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a consolidation loan and was approved. I made an appointment to go into their office to sign the loan documents. In the meantime, I asked for a Term Sheet to examine the principle, interest rates, payments, term and interest payments along with the contractual terms. They would not send me a term sheet and said they could only talk about it on the phone because they were " sensitive documents ''. When I pressed for a term sheet, I was suddenly denied the loan.
Product: Mortgage

I was denied twice by this company they told me both times it was because I went to college. The most recent was on or about XX/XX/year>, they denied me because of my credit. I received their credit report of me and it didn't match my credit history or anything like my credit score. It was false information that they denied me for. I felt like they didn't want to do business with me because my race and noticeable inaccurate info about me. I deserve a home just like anybody else. I had just completed a 3 year lease renting a home and the knew that. This was a form of wrong identity in order to deny my application.
Product: Credit reporting or other personal consumer reports

TransUnion stated that the inquiries they investigated were deemed to be validated and verified but they did not provide me with any evidence they used to come to this conclusion. What documents did they use or who did they talk with at the establishment to determine this information. I am not contacting anyone about what TransUnion is reporting since this is the company causing me damages and TransUnion is the party that released my information which makes you liable. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Mortgage

This loan was a consolidation of XXXX, then it was a XXXX XXXX XX/XX/XXXX. Was only support to be one they given me both. They correct it, but not on paper.They loan when to XXXX XXXX ( XXXX ) Then they changed it to Mortgage line of credit. Then I filed for bankruptcy ( XXXX ). My husband passed away and I filed for XXXX  XXXX. Then it when to Sn servicing then it changed to a Mortgage. They foreclosure on the property they don't owe.
Product: Debt collection

I RECENTLY TRIED TO RENT A CAR FROM XXXX I WAS TURNED DOWN DUE TO A COLLECTION I NEVER OWED. I EVEN WEN THE LOCATION WHERE THE CAR WAS RENTED AND THEY ALSO SAID THEY DONT KNOW WHO RENTED THE CAR. THE RENTAL AGREEMENT NUMBER IS XXXX CAN YOU PLEASE HAVE THIS MATTER INVESTIGATED PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been slaving for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid MoneyLion the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to MoneyLion. Page 6.
Product: Credit card or prepaid card

I pay my XXXX XXXX  credit card balance down to {$0.00} as frequently as possible. 
On XX/XX/18, I attempted to use the credit card at a local restaurant and it was declined. I called XXXX XXXX, and they explained that because I was making payments " too frequently '' a hold had been placed on my entire credit limit until all of the pending payments had cleared from my checking account bank. The current balance ( and corresponding pending payment ) was less than {$100.00} at the time, and there should have been over {$15000.00} in available credit. 
I called back on XX/XX/18, and the supervisor indicated that there was no evidence on my account of a hold, and could not reference a policy that would authorize a complete freeze on my line of credit pending the payments being posted when I asked for a copy of that policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Checked my credit report and I found that these accounts are not mines reporting to Equifax and XXXX
Product: Checking or savings account

I was charged for a hotel that they bank gave me credit for and send me a letter that my claim was resolved and nothing further would happen to my account. I got another charge for the same amount that they will not reverse and then charged me an over draft fee for the same reversal they made. I got nothing in writing to let me know this was going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my reports.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

XXXX charged off my account in XX/XX/XXXX but has inaccurately continued to report the account as being in collections to XXXX, XXXX, and XXXX from XX/XX/XXXX through XX/XX/XXXX. This reporting inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and up to date. 

When I disputed this with XXXX, they responded within an hour stating the reporting would remain unchanged, despite the clear violation of the FCRA. I am requesting a proper investigation and resolution to ensure compliance with the FCRA and accurate reporting of this account.
Product: Payday loan, title loan, or personal loan

On yesterday Spring water Financial contacted me about a loan i took out with them. I explained to the young lady that i signed up with a debt relief company that was going to assist me with paying off my loans. And that they should have received the documents from them by now. The young lady who called said to you took out this debt and the collection calls will continue. i hung up the phone and she called back i told her i was advised not to speak with them. She then sent me a text saying Spring Water is needing a return call asap you took out this loan not any one else so we need to speak with YOU! you have have an outstanding balance of {$620.00} that needs to be resolved so collection efforts will continue until we can speak with you to meet a mutual agreement XXXX. I only took out {$220.00} so i don't understand how i owe so much I received this email this morning : Spring Water Financial has provided a loan to customer on XX/XX/19 and the customer has not made a payment on the loan. 
As a fact she revoked ACH thru her bank on her first payment on XX/XX/19. This customer should not qualify to be in your program for Spring Water Financial since she has not made any payment on the loan. 
Spring Water Financial will not settle this account for anything less than {$300.00} which principal balance with fees. If the customer worked with Spring Water Financial directly we would offer her {$25.00} bi weekly payments until the {$300.00} was paid in full.
Product: Credit card or prepaid card

On XX/XX/XXXX by balance with Bank of America Credit Card was {$1600.00}. I paid this balance in full on XX/XX/XXXX and was not expecting to see any additional charges. Bank of America sent a new statement claiming I owed {$16.00}. On XX/XX/XXXX I contacted them via phone at XXXX and spoke with a gentleman by the name if XXXX . He would not provide me his last name. XXXX said the {$16.00} was for interest accrued since XX/XX/XXXX. I explained I my intentioned on XX/XX/XXXX was to pay the balance in full which I had done. I asked if the {$16.00} could be removed from my account and XXXX said, " No, the balance would need to be paid ''. I asked to speak with his supervisor or someone else that could help me and was told no one else was available. XXXX did take my number down and said he would have someone call me but also expressed that the balance of {$16.00} would still need to be paid. 

If I understand the Credit Card Act of XXXX, credit card companies were banned from double-cycle billing. If that is the case, then Bank of America is not honoring the new guidelines by still attempting to charge their clients interest even after a balance has been paid in full. 

Ref : Bank of America XXXX XXXX XXXX Mastercard Card - XXXX