23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice from the AARGON AGENCY - below is the email received from the company that it has been paid -- the company refuses to acknowledge it and says that I have not paid. 

Aargon Agency INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Reference Number XXXX Sunday XX/XX/2018 at XXXX XXXX Debtor Account : XXXX Collector : XXXX XXXX Info. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Mobile : XXXX Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Status : APPROVED Approval Code : XXXX Order No. XXXX Reference No. XXXX Credit Card : ending in Subtotal : {$130.00} Processing Fee : {$0.00} Charge Total : {$130.00} I AGREE TO PAY ABOVE AMOUNT ACCORDING TO CARD ISSUER. 

Signature : X XXXX XXXX XXXX As of XX/XX/XXXX, this debt has accrued interest and has been bought out by XXXX XXXX XXXX XXXX. Phone # XXXX XXXX I just do not think it is fair to charge for a debt that has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months is disputing XXXX XXXX on my credit report I final had the lender submit proof that they are incorrect and because of a pending appeal I have with the XXXX XXXX XXXX district Court they will not validate or submit payment information i send Experian proof and they refuse to acknowledge my claim. The just re dispute the information if the information is inacurrate and the lender responded to my claim and I submitted that information to experian, and it has not been corrected then the information must be deleted i have been calling and sending verification request and neither the lender nor Experian have taken the time to review my continuing dispute. At this time they violated my rights and I demand the trade line be deleted.
Product: Mortgage

We are a XXXX and did a large water loss for our customer. They have all the money from the insurance company along with there work sheet. They also have my worksheet from the repairs we did. The home was inspected and passed. The work with us is 100 % complete. The insurance company issued the hold back to the Nationstar Mortgage. We are owed {$59000.00} We received a call on XXXX that all the paperwork is turned in. Today I have been on the phone with Nationstar for over and hour and they have n't released our funds. Everytime we call someone different says we need something else. The paperwork that Nationstar sent us is all filled out complete, we have copies of it. They need to be investigated.
Product: Credit reporting or other personal consumer reports

I applied for a business line of credit with Chase bank through the Branch Relationship Manager XXXX in XX/XX/XXXX. I was told by her that the application was denied because I had a charged of credit card with Chase. I was taken aback and advised XXXX that I had no prior relationship with Chase prior to XXXX when I opened my checking account. I submitted a dispute to Chase Bank as was directed by XXXX and a supervisor in the credit card department, then I spoke to XXXX from their executive office on XX/XX/XXXX and again on XX/XX/XXXX regarding this fraudulent credit card. He advised me that the card was valid and they had documentation to prove it was mine. I requested the documentation used as method of verification to prove this credit card debt belonged to me however, to date Chase bank has not provided the requested information and still has not removed this fraudulent negative item from their database under my name. They have even added my address and other personal information to this debt that is not mine. This is a clear violation of my consumer rights and privacy and I would appreciate if the CFPB could conduct a thorough investigation into this matter with Chase Bank. 

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

Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act convengent account # XXXX and # 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: Checking or savings account

I contacted regions Bank on XXXX to dispute transactions on my account that I didnt make or recognize, I spoke with several agents that continued to forward me to other agents repeatedly and finally I got to an agent who told me she would be helping me file the dispute, She ask me some questions about if my card had been misplaced or stolen which I explained to her that I still had posession of my card and had not misplaced it she then ask me to give her the merchant names and amounts for the transactions I needed to dispute so I provided her with those and after asking me a few other questions, canceling my debit card and ordering a new one she told me the dispute was successfully filed and informed me that " Check card claims '' are completed after 10 days ... XXXX XXXX I contacted Regions to ask about the status of my claim and was told by the agent that she didn't see a active claim on my account I explained I filed the claim on XXXX but she still said she seen no active claim and she couldn't help me since she didn't see the claim so I contacted Regions again on XXXX to ask about my claim status and was told by this agent that she also didn't see an active claim on my account I kept insisting the claim was filed and told her the name of the agent who assisted me in filing it and she then said she did see a claim in my account and it was denied she told me I would receive a letter explaining why it was denied, which i did finally receive and it stated that my claim was denied based on " No report of card loss, theft or comproise were reported and transactions passed fraud analysis ''. I have contacted regions again several times since the denial and was told diffrent things everytime by each agent, i spoke with one agent who told me to contact the fraud department, others just transfer my call again and again or place me on hold for endless amounts of time and one agent even said that I had to provide a police report to reopen my denied claim I explained that I had no police report since my card was never stolen to my knowledge I had no reason for a police report and once again I informed the agent that I was admitted in to the hospital on XX/XX/2022 and was not XXXX until XX/XX/2022 which was during the time the fradulant transactions occured I also faxed my XXXX XXXX papers to the fax number provided in my denial letter that show the date I was admitted and date I was XXXX ... .The date of the fraudulent transactions that I disputed were made on XX/XX/2022, XX/XX/2022 and XX/XX/2022 which were during the dates of my XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 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. XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services.

My intent is to sue if said issues are not resolved.
Product: Debt collection

I got a alert that a company by the name of XXXX XXXX had reported that I owed {$500.00}. This company did not try to notify me of this debt so that we could reach a agreement to settle. When I tried to contact the company to verify the debt the company can not be reached. I have no way of getting in contact with this company to see if this debt is indeed my debt. On their website they listed a way to email them but they have yet to respond to my email requesting them to send verification of the debt.
Product: Credit reporting or other personal consumer reports

I been communicating with Experian for some months now cause they have a fraud shield on my credit report. they deleted my home address with all my credit cards, they also dont post my employer on my report. they are showing my account and my file as high risk. i will get to the bottom of this and file a lawsuit. i see. they already got one for XXXX XXXX dollars for this. i will be contacting the state attorney to gather up evidence quickly. i been denied 3 times loans and they said that my identity could not be verified and experian was the report pulled.
Product: Debt collection

I am looking for some help on an account showing on my credit report from Caine Weiner for {$56.00}. I do not know who/what this company is or what it involves but this company has violated my rights under the FDCPA because I was not properly notified of this debt within 5 days of it reporting to the credit agencies and no one has supplied any verification that I owe this.
Product: Checking or savings account

My money was held and I was block from my entire account completely, having no access to make any transactions including my re-accruing bill pay etc. I was also blocked from seeing my account on line. I was left unable to handle ANy of my financial business. While I was told I was not being accused of fraud, I was sent to the fraud department. I supplied the documentation nesessary and no review was done. I also went to the local branch and supplied visual documentation of proper funds etc. if the funds were made available then my account would not be deficient and I was also told a review would be done the XXXX. Also, my account was blocked from any transaction wether or not other funds were available ( and they were ). I was incumbents mainly transaction fees due to this. The bank involved is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX
Product: Payday loan

Evergreen Financial Investments , Inc DBA Rapid Cash, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX. 

My bank is XXXX XXXX XXXX The selections do not really pertain to my situation. I do not have the money to pay the loan back as I no longer have work. I have revoked my pre-authorization for my debit card and actually cancelled my debit card since I misplaced the original. I spoke with my credit union and notified the merchant as well ( in writing ) and I also requested that they put together an installment plan. They responded that they had revoked my pre-authorization and I could make payments by mailing them to Kansas or bringing them in to the office here in XXXX. Since they did not mention the terms of the plan, I called their customer service number and spoke with " XXXX ''. She told me that I could not have an installment plan without a debit card on file which I do not want to do. She said that when the office did not get their payment on XX/XX/XXXX, they would send it to their collections department. However, they are not supposed to be charging me any more fines or other expenses once I 've requested the installment plan. Trying to deduct it from a debit card that no longer exists will earn them {$25.00} for the attempted deduction and may also incur a charge from my credit union. Since they know I do not have the money to pay, their trying to withdraw it on the due date makes no sense except to punitively charge me {$25.00} on the attempt. Again, the contract makes no mention of having to have a card authorization and, in fact, the email I received gave other instructions for payment this makes no sense. I am trying to be honest with them to tell them I ca n't pay immediately and they are giving me the run around. I do want to pay my debt, I just ca n't right away. I am sorry about this but now I feel they are being dishonest. I can furnish their email response if you require it. I just would like to email it to you at a private email address. Can you please help?
Product: Credit reporting or other personal consumer reports

I woke up this morning and discovered inaccurate accounts on my credit report. I dont understand how this could happen. I check my credit report regularly, but this time, there were errors that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Im begging for the documents I sent to be reviewed carefully so I can stop living in constant fear over this.
Product: Vehicle loan or lease

Hello CFPB Staff : An overwhelming set of class action lawsuits is directly and indirectly affecting my household ... here is the list generally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( and other matters as well )
Product: Vehicle loan or lease

I asked Santander Consumer USA XX/XX/2020 for a differment for 2 month due to the Corona Virus and they never sent me email I needed to fill out and denied me and reported me to credit bureau for not paying 2 month. I tried on 4 attempts then I read online i maybe part of a class action law suit filed by Attorny General office. A XXXX XXXX dollar preditorie lending suit.
Product: Debt collection

Portfolio Recovery. 

I have asked them to stop calling me. I have received papers in the mail about the debit. They call me from several different numbers at least twice to 3x a day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representative Subject : Dispute of Credit Report Information and Request for Description of Procedures I am writing to formally dispute the accuracy of specific information listed on my credit report. The disputed item ( XXXX ) are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Incorrect balance of {$22000.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Amount financed is {$23000.00} and your are reporting {$22000.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a detailed description of the procedures used to investigate my dispute, including the methods used to verify the accuracy of the information provided by the data furnisher. I have attached supporting documentation that validates my claim, including ITEMIZATION OF THE AMOUNT FINANCED. Please use this information to assist in your investigation. In accordance with FCRA requirements, I expect a response within 30 days. Additionally, please send me a copy of the updated credit report once the investigation is complete. Thank you for your time and attention to this matter. Please feel free to contact me if further information is required. Sincerely, XXXX XXXX XXXX
Product: Mortgage

The purpose of filing this complaint is that we believe that our escrow account is being handled incorrectly by our lender. 

1. The supplemental real estate tax was paid in full by us the property owners from our own funds.

2. Even when these taxes were paid by the owner 's own funds the lender increased the mortage loan monthly payments. 
3. On XX/XX/2022, we send the lender an Error Resolution Letter with the evidence of this payment so the lender could fix or resolve such error.

4. On XX/XX/2022, we received a letter from the lender not addressing the issue that the owner paid the Supplemental Real Estate Tax and not from the escrow account. 

Attached you will find the documents showing this payment.
Product: Money transfer, virtual currency, or money service

Unable to withdraw funds from PayPal account after fulfilling account restrictions for a second time and keep getting the run around on getting the remaining funds out of our repairafter account. This happened several months ago we fulfilled the restrictions they refused to release funds then and took calling them 3 times to get it released and now it is happening again with much smaller amount. Now we keep getting put on hold for so long they either hang up or we dial back and it keeps happening. They are refusing to give us access to our funds after fulfilling their limitations over and over again
Product: Credit card

On XXXX XXXXXX/XX/XXXX, XXXX, approximately around XXXX XXXX, I was notified by text from Capital One through text was I trying to make a purchase at XXXX for an amount over {$1.00}, XXXX dollars. I repied no, and immediately called Capital one. They infomed me that someone was trying to make a puchase at XXXX in my name and card, I asked of them what was the zip code of the location. I narrowed it down to XXXX in XXXX XXXX XXXX in Florida. I immediately called there several times without any response or answer by phone, at the same time this person had call Capital One for approval of purchase on the other end of the phone. Later in the morning around XXXX am, a text were sent to me saying thank you for upgrading my phone number. I immediately logged online to my account and saw the person had placed his phone number as the primary source of contact. I immediately tried to change the number back to my number, but would not allowed me to do so. I at that time also chaned my password to the account. Before this incident, I was informed by XXXX and the the credit bureau that someone had did a hard credit check on my account. I asked who, I was told it was Capital One. I reached out to Capital One and asked why did they do a hard check to my account without my permission and it would lower my credit score. this 2 or 3 days before this incident meaning they authorized and had given this person a credit card. I reached out to Capital One and also asking them for a copy of all documents relating to ths fraudulent transaction. Also please note, before then, about 2 or 3 months back XXXX issue me a new account due to some fraudulent activity. XXXX, XXXX XXXX had to send a scecond card. I immediately start calling all other creditors of possibile identity theft. There was issure with all creditors XXXX, XXXX in which the person upgraded my addred and his phone number on my XXXX account. Also, XXXX XXXX XXXX two accounts was compromise and they were aware of where they had already mailed out XXXX new cards ; XXXX XXXX XXXX, XXXX and also XXXX was informed in which most of the Creditors have already known of the suspicous activity and sent out new cards. XXXX was a closed account but also, notifiying closed accounts as well. Whoever this person is, they seem to have all my information including social security number and more. I explained to the crediors that I needed to place a second and third security code on my account in which it was done. Also, I placed a security code and freezed all accounts with all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX