23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I sent Aargon Collection Agency also known as Aargon Agency , Inc. a letter asking them to show me a legally binding contractual obligation to pay them an alleged debt in the amount of {$1000.00}. Aargon Collection Agency did not respond to my letter and has not provided any proof to their claim that I owe them the alleged amount. I sent them another letter today certified mail. I am a consumer and I know my rights. Aargon Collection Agency is ruining my reputation by furnishing this data to XXXX. XXXX is the only reporting agency to have this account listed because the other reporting agencies know that this account should not be reporting to any of my consumer reports.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Inaccurate Credit Reporting ( 15 USC 168152 ) 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( opportunity financial ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. My information was sold to third party that I had know knowledge of or agreements with and that is a violation of code 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. So this item has to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, XXXX, XXXX  and Equifax that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX  : # XXXX Account name XXXX XXXX XXXX : # XXXX Account name : XXXX XXXX # XXXX- Account name : Texas XXXX Auto # XXXX Account name Texas XXXX Loan XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights XXXX 

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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Equifax continues to report on my credit file : US Bankruptcy court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification XX/XX/2018. On XXXX XXXX I directly called the XXXX XXXX number listed on my report at XXXX and spoke with an agent who informed me that a security freeze was placed on my account as of XXXX XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. Might I also add the bankruptcies were deleted XX/XX/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information. 
Might I also add on XXXX XXXX I directly called the number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent who advised me that my security freeze was confirmed and set into place XX/XX/2018. She also told me there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported XX/XX/2018. 
I demand that this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifaxs so-called verification on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX  CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is XXXX XXXX address and a statement saying, the account was verified. I demand that this unverified account : US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is PERMENANTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed/ DELETED PERMENANTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX XXXX agents assured me that Equifaxs XX/XX/2018 reported date and verification date DID NOT come from XXXX XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I recented reviewed a copy of my credit report and noticed some fraudulent accounts
Product: Credit reporting or other personal consumer reports

I have been renting and during my rent screenings I notice that each landlord will receive different information from my credit history. Its very weird to me and I have been denied due to this information.
Product: Checking or savings account

USBancor has allowed excessive over draft fees to accumulate on my checking account that has resulted in substantial fees and garnishing of my direct deposits from employer payrolls and they have injured my chances to re-establish a better credit rating through creditors To date this Financial Institution as of XX/XX/2021 is still accumulating and charging excessive overdraft fees when I have not used Thier card in more than a week Problems in the past with this issue from inexperienced associates/agents in corporate side institution who knew or should have known my card was changed twice in the past from another account similar in numeric identification to mine with accessive overdraft fees attached resulting in negative judgement of my character that is defamatory in that they gave me a non interest bearing checking and savings account because I am not in the class of individual customers opening an account with the minimum {$100000.00} deposit in savings
Product: Debt collection

Account Name : AMSHER COLLECTION SVCS Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1500.00}
Product: Other financial service

I was purchasing services from an XXXX seller through PayPal, but the PayPal exchange rates were incorrect, making the total amount over {$40.00} more than I should 've been paying. We even called PayPal, and two of their representatives saw that the current XXXX/USD rate was 1 USD = XXXX XXXX, but PayPal was showing the rate as {$1.00} USD = XXXX. On $ XXXX, that 's a difference of {$41.00}. 

The PayPal representatives suggested we send the money directly to the person 's email, but the rate remained the same. Their other suggestion was to adjust the amount to the USD amount, but that would 've meant the seller would lose {$530.00} on the sale. 

This is not fair to buyer or seller. PayPal should have updated rates, but a XXXX search revealed their currency exchange rates are often six ( 6 ) months out of date. That should be illegal. 

In the end, there was nothing to be done but to pay the inflated PayPal rate, as we needed to pay the seller for the services required.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Failure to Investigate and Respond to Credit Dispute I am filing a formal complaint against Experian for its continued failure to properly investigate and respond to my disputes regarding an alleged medical debt from XXXX XXXX XXXX. Despite multiple disputes submitted over the past year, including documentation directly from the data furnisher, Experian has refused to take appropriate action. 

Summary of Events : Over the past XXXX months, I have submitted multiple disputes to Experian requesting verification of the validity of a medical debt allegedly placed by XXXX XXXX XXXX. 
I provided supporting documentation from the data furnisher itself, demonstrating errors in the reporting. 
Experian has failed to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. 
Despite my repeated efforts, Experian has either failed to respond or has provided vague, automated responses without a proper reinvestigation. 

Violations of Consumer Rights : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and provide a response within 30 days. Experian has failed to meet this obligation.

Under 15 U.S. Code 1681e ( b ), Experian is required to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. Their failure to investigate properly calls into question their compliance with this requirement. 
The refusal to respond despite receiving direct evidence from the data furnisher constitutes willful noncompliance, making them potentially liable under 15 U.S. Code 1681n.

Relief Sought : A full and proper investigation into the disputed medical debt. 
Removal of the alleged debt from my credit report due to XXXX failure to verify its accuracy. 
A detailed explanation of the procedures used in their previous investigations. 
Compliance with the FCRA in all future disputes. 

I am submitting this complaint because XXXX inaction has caused financial harm by negatively affecting my credit profile. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. XXXX is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, XXXX received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. XXXX was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In  Full XXXX balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX**** This is not mine.
Product: Mortgage

My wife and I purchased a home in XXXX of XXXX. We put 5 % down so we had to get Mortgage Insurance. This XXXX XXXX I was able to pay the principal down to 80 % of the purchase price. I called to get the PMI removed. I was told by a Chase representative that I would have to pay for an appraisal ( approx {$450.00} ) to get it removed. She also said that if I paid it down to 78 % it would be automatically removed by the computer. I did that and paid it down to under 78 % loan to value on XXXX XXXX. I called back and they concurred that I had paid down the principle to under 78 % but a different representative said I would still need an appraisal to prove the property had n't dropped in value. However according to the law all PMI should be removed once 78 % of the original purchase price is reached. I spoke to my mortgage broker who obtained me the loan through Chase and he said that they are breaking the law. I have since been charged XXXX additional payments of {$170.00} for my mortgage insurance since I have paid it down to 78 %. I want Chase to refund these payments to me and take off the PMI on my property. I have recently applied for HELOC and I have obtained a copy of the appraisal done by XXXX. I have attached that as well. It shows my property appraising at {$40000.00} more than the original purchase price in XXXX. This is ridiculous that they are holding me hostage on this PMI and still charging me for it.
Product: Credit card or prepaid card

I have tried several different external apps like XXXX and XXXX  to combine my scattered finances into one place. Capital One makes it incredibly difficult for me to share *my* information with these trusted companies in order to help me manage my money, including paying my bill on time!

It would be very easy for them to connect with other services like XXXX - I know this because it was only recently that this problem started. Having to go to fifteen different website to pay fifteen different bills is difficult, especially for the disabled like myself.

If Capital One wants to make sure that those they lend to pay back their loans on time? They should make it *easier* by working with these companies, not more difficult.
Product: Credit reporting or other personal consumer reports

I received alert that my credit score on XXXX had dropped due to delinquent account status. I checked credit report and found fraudulent American Express card had been opened in my name. Account was opened XX/XX/XXXX. Charges of {$2000.00} occured in XX/XX/XXXX, and the account was closed on XX/XX/XXXX. Balance is listed as 60 days past due. 

Immediately placed a credit freeze and initiated a formal dispute ( file number XXXX ) with XXXX on XX/XX/XXXX. Sent a certified letter to American Express on XX/XX/XXXX advising them of the fraudulent account, and requesting its removal from my credit file. 

XXXX responded on XX/XX/XXXX indicating they had " verified the information as accurate with the company. American Express acknowledged receipt of my letter, but indicated they couldn't locate account. The account number listed on XXXX 's report is encoded due to privacy concerns. American Express says it needs full number to proceed, and XXXX will not provide it to me. So I'm stuck with no way to resolve the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the XXXX ample opportunity to remove this account and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

call transunion bout inquiries on my report that didnt authorize car dealership gave inquiries when didnt need a vechile try to resolve it tell them it not me had fraud against they were several inquiries on XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX also XX/XX/20
Product: Checking or savings account

TD Bank goes out of their way to find creative ways to charge customers overdraft fees. I was at dinner on a Saturday and checked my app before paying a bill. The app showed a balance that was enough to cover the bill and I left a cash tip. I then made cash deposits to my account on the next day Sunday as my balance was running low. I wound up getting charged an overdraft fee days later because TD said that my balance after the dinner was negative ( again app doesn't show that ) because they went back and posted a gas charge that originally came through as {$1.00} and was finally submitted by the merchant as {$45.00}. I had the cash in the account well before the {$45.00} posted. I find this practice misleading as the available balance never went negative and yet I am charged on a back dated transaction even though the merchant didn't charge my card the {$45.00} until several days later. The dinner charge was on Saturday XX/XX/19 and posted on XX/XX/19. I have worked with other banks before and I know they do not charge an overdraft fee in this case. However, TD seems to do whatever they can to charge you. I tried escalating within TD and all I had were reps telling me that I didn't have enough available to cover the dinner essentially telling me I am lying or blind as I know what I saw. I told them I know what they are doing with the backdating of transactions which is misleading and deceptive.
Product: Debt collection

This debt collector engaged in abuse deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we did not agree upon and I didnt sign agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper five steps validation procedure which makes this unfair practices. According to the FDCPA. Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Checking or savings account

I got 4 emails from Bank of America back to back claiming to have a new savings account opened in my name. And I tried calling them but I don't have a current account so I can't get through to them because it keeps asking me for my bank info. I'm still trying to find out how to contact them to fix this worried someone opened something in my name. This happened on XX/XX/XXXX at around XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR Opened Date XX/XX/2011 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

IT'S BEEN 3 YEARS AND NO ONE IS ABLE TO PULL MY EQUIFAX REPORT. I CAN NOT CREATE AN ONLINE ACCOUNT TO LOGIN TO VIEW MY EQUIFAX. I HAVE CALLED AT MINIMUM 40 TIMES TO EQUIFAX TO GET THIS PROBLEM FIXED AND THEY TELL ME THERE IS NO PROBLEM. THERE IS NO CREDIT FREEZE OR FRAUD ALERT ON MY ACCOUNT PER EQUIFAX. WHAT THE XXXX IS GOING ON? I HAVE GONE BACK AND FORTH WITH LENDERS AND EQUIFAX AND HAVE USED THE SUGGESTED ADDRESSES AND NAMES THAT THEY TELL ME TO WHEN PULLING. HOW DOES THIS GET FIXED? I AM ON THE VERGE OF SUING EQUIFAX FOR DAMAGES. THIS HAS BEEN FAR TOO LONG AND UNACCEPTABLE. THERE IS SOMETHING IN YOUR SYSTEM PREVENTING THIS.
Product: Debt collection

I was contacted after my balance went to collections from a apartment community I had vacated from back on XX/XX/2018 with a written notice. 

I had a lot of financial hardships at that time that prevented me to pay on time and I did not have an address to provide for any mail that needed to be forwarded. 

I received a call from a representative at I.Q Data international who was very hostile and used threatening language towards me stating, that they will come after me. They continually harassed me for months at a time. 

They currently have a collection on my account that goes up every month due to interest but the balance is incorrect, which I tried disputing in I believe XXXX of 2018 through XXXX XXXX but it did not help. 

I went on to I.Q Data international website to see if I could find the amount due on the account and it shows incorrect. The balance reads the following : Original Principal Balance {$7400.00} Current Interest Balance {$2200.00} Current Balance {$13000.00} Current balance on my credit report States {$13000.00} When I add my Principal balance and Interest balance it comes out to : {$9700.00}. This is a HUGE difference. 

Please help me get rid of this collection, this company is hard to deal with and to communicate with and has reported false and incorrect information to the credit agencies. Documents are attached showing the balance discrepancy.