23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

over the past 6 months I have submitted over 20 Disputes with all 3 credit bureaus - Sent Letters to All 3 Credit Bureaus - I sent 2 written letters to Collection Agency ( capstone ) via USPS XX/XX/XXXX & Email to the Attention : XXXX XXXX Subject : Formal Request for Resolution of Identity Theft Issue and Removal of Fraudulent Accounts Attention : XXXX XXXX My name is XXXX XXXX XXXX XXXX, I hope this message finds you well. I prefer to communicate by phone or email. I have made several attempts to reach you by phone and have been unsuccessful. I have sent written letters to your office and I appreciate the offer extended. I will not accept your offer because of the validity of these 2 Accounts. My letters were clear that these are not my accounts and I am yet again writing to address a critical issue regarding identity theft perpetrated by " XXXX XXXX '' who has misused my personal information to open fraudulent accounts in my name. Specifically, XXXX XXXX has utilized my information to create the following accounts : Account XXXX Account XXXX To resolve this matter, I formally request the immediate deletion of the aforementioned fraudulent accounts from all three major credit bureaus. If not, I kindly request the following actions to be taken : Provision of a Debt Validation Letter containing detailed information regarding the debt. 
Disclosure of the original agreement between the creditor and myself.

Provision of comprehensive details regarding the original creditor, including contact information and account specifics. 
Confirmation of the authenticity of the debt through the original agreement bearing my genuine signature. 
Documentation validating the assignment of the debt. 
These documents are essential to verify the legitimacy and accuracy of the debt in question. Failure to provide these documents within the specified timeframe may result in legal action, as outlined in the Fair Credit Reporting Act ( FCRA ). 

This dispute falls under the purview of various sections of the FCRA, including but not limited to : Section 602A ( 15 U.S.C. 1681a-2 ) Section 603 ( 15 U.S.C. 1681a-3 ) Section 604 ( 15 U.S.C. 1681b ) - Permissible Purpose Section 604A ( 15 U.S.C. 1681c-1 ) Section 605A ( 15 U.S.C. 1681c-1 ) Section 605B ( 15 U.S.C. 1681c-2 ) Section 611 ( 15 U.S.C. 1681i ) It is crucial to promptly address and rectify the inaccuracies in the reporting of these accounts, which are clear violations of the FCRA. 





Furthermore, the unauthorized sharing of my information with any other entity is unlawful. Therefore, I request the immediate deletion of the specified accounts from all three credit bureaus. 

To facilitate the resolution of this matter and ensure compliance with FCRA regulations, I urge you to provide the requested documentation. Your prompt attention to this request is greatly appreciated. 

Thank you for your cooperation in resolving this issue. I look forward to your prompt action. 

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

There was technical issues with the auto payment set up for my credit card, so the payments were taken out, but then credited back to the card. I called as well as emailed the bank about this issue and was told to just re-input the account information and it should be fine, but it still did not fix the issue. I even tried making one time payments and bank transfers but it was denied each time, even though there was more than sufficient funds in my bank account. I also did not receive notice that the credit card account was in default until a few days before it would be considered late, and by then it was the weekend, so I could not go in or contact the bank until monday, which by then the payment would be considered late. I explained to them that I did everything I could to fix the issue before the payment would be considered late, but I also had no way of knowing their systems would have issues and cause my account to go into default. I was told by the credit union that I should have kept a close watch on my account, but then why is auto-pay given as an option to avoid late payments if I'm going to be told I have to check my account constantly to make sure it gets paid, even with auto-pay set up and on. I also did everything I could to remedy the issue before it was late, but the credit union did not give me sufficient notice, nor sufficient help in ways to avoid the issue of late payment.
Product: Credit reporting or other personal consumer reports

just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.

2. Acount XXXX XXXX XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My credit history is longer than 4 years. Check my XXXX XXXX card and the information will speak for itself. I have this card since 2001 which is 23 years. 
Please advise!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
ACCOUNT NAME 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: Money transfer, virtual currency, or money service

I tried to pay {$4000.00} rent on XX/XX/19 to my landlord via Venmo. However, my transaction was declined. I tried to call in to Venmo customer support to see if they can authorize the transaction to go through, but they said it was due to their internal automated system and they have no manual override. They then instructed me to break up the payment into smaller payments. I was able to send {$2000.00} successfully before encountering the payment declined error again. Then I realized my entire account was flagged so I can no longer send money to anyone ( I can no longer fulfill requests either ). Since I was on the phone with the customer support person, I asked if they could un-restrict my account but once again they said they have no way to override and I would just have to wait or use a different app. I rely on Venmo for daily transactions and it's unacceptable there is no way to manually override or review accounts/transactions after verifying the owner of the account is trying to make those payments. I've seen other reports that even after waiting years their accounts are still flagged. Clearly, the automated system is faulty.
Product: Debt collection

On XX/XX/XXXX after getting my credit report I discovered that AARGON AGENCY INC had posted on my credit report two collections, but I was never notified of these debts by AARGON AGENCY INC. 
I immediately reach out to them by certified mail and requested debt validations for these two accounts, but AARGON AGENCY INC never replied to me and as of today they continue to report these accounts to the credit bureaus without any physical proof. 
On XX/XX/XXXX, again I wrote to AARGON AGENCY INC requesting debt validation. 
They had failed to validate these accounts as required by the FTC and purposely ignored my request for validations. That is very unethical how they do business, they just dont care. 
These accounts are not mine. I believe they were created by my ex-brother in-law, but to confirm I need it a full validation and, I need to know what credential were used. 
AARGON AGENCY INC received and signed for my request for a debt validation that I request by certified letter on XX/XX/XXXX. I mailed a second request on XX/XX/XXXX but they have never responded to any of my request and they only respond to the credit bureaus because they can easily report anything without producing any documentations other than maybe a bill statement. 
I believe, that if they had any proof they would had responded to me, but they dont have any proof. 
Its easy not to respond than to make fool out yourself. 
The credit bureaus look the other way for these collection agencies because theyre paid clients and the collection agency used these credit bureaus as a bullying tool. 
Collection Agency are mandate to proper validate collections and report accurate information. Theyre supposed to notify the alleged owner of the debt before placing them on the credit bureau. They dont do it because they use the credit bureaus as a collection tool. They dont care if there is a mistake, they just want to get pay at any cost. 
These collection agencies XXXXup innocent people every day costing the consumers millions of dollars in higher interest rate. They take advantage of the loop hole in the law, no one is really making sure they do the right thing. 
I was shocked when I saw the collections on my credit bureaus since I had never heard from AARGON AGENCY INC before they posted these collections with the credit bureaus. 
Must likely they wont respond to this complaint either and if they do, will be without facts other than maybe statements that had no value without been verified. 
The following two accounts were reported by AARGON AGENCY INC, but theyre not mine and they continue to report this inaccurate information to the bureaus : - XXXX XXXX XXXX # XXXX - NV XXXX # XXXX They wont listen to my request, but I wont stop until I get justice, I will continue to file complaint until someone listen and fine this agency for violating the consumers rights.
Product: Debt collection

On XX/XX/year> I received a letter from XXXX XXXX XXXX, on XX/XX/year> I sent a debt validation letter. From that point XXXX communication from the debt collector until XX/XX/year> when a process server knocked on my door, informing me XXXX XXXX XXXX  was suing me for said debt.. They never validated the debt, XXXX communication after I sent my letter, now they are suing for said debt.
Product: Debt collection

Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).
Product: Debt collection

On XXXX XXXX I received collection to my name regarding a debt that is invalid. Started a year to year lease XX/XX/XXXX and it expires XX/XX/XXXX and went to month to month until XX/XX/XXXX. A year later I received a collection for early termination. Not once was a new XXXX  lease sign therefore automatically renews to month to month. 
XXXX XXXXXXXX XXXX  actions will result in negative consequences in purchasing my home Their false accusations is causing harm to my credit. 
I went into the office asking for them to provide me where a new XXXX lease was sign and they could not provide me with not one signed document. 
On the contract it states if nothing is signed automatically will turn into month to month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2021 and I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. 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 and pursue legal action. 
XXXX XXXX XXXXT XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

The insurance agency claims I owe the {$760.00} for a minor scratch ( not dent ) on a bumper. They sent a letter asking for money and stating, " Proof of damages will be provided upon request. '' When I wrote to them asking for them to provide proof of damages, they did not respond. Two years later, I get a letter and a phone call from Wilber & Associates, XXXX, Attorneys at Law. Again, I asked for proof of damage ( I have a photo that shows the bumper scratch ). W & A told me to pay or they would keep on contacting me.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Credit reporting or other personal consumer reports

Letter Sent to Company Requesting 1099 C Form Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute of Charge-Off and Request for 1099 C Form Account Number : XXXX Dear Comenity Bank, I am writing to dispute the charge-off that appears on my credit report for account number XXXX. After reviewing my credit history, I believe the charge-off may be inaccurate or incorrect for the following reasons : I believe there was an error with the account reporting. I was never provided with a 1099 C Form. I also have never used or activated a XXXX XXXX credit card in XXXX XXXX. XXXXI respectfully request that you review the account information, correct any inaccuracies, and provide me with the necessary documentation to confirm your findings. When this account is found to be reported in error, I ask that it be removed from my credit report. 
In addition, please provide me with the following : Proof of the charge-off and the final balance owed at the time it was reported. 
Any documentation showing that the charge-off was reported accurately according to the terms of my agreement. 
Please respond to this dispute in writing within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). Please update my credit report and notify the credit bureaus to remove the negative entry. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Chex system about a checking account that I closed with XXXX XXXX XXXX XXXX Bank the account was opened XXXX I closed the account in XX/XX/2020 I was unhappy with the service. When I applied for the account I opted out of the over draft protection some how XXXX XXXX XXXX XXXX closed my account as I requested but are saying they paid a bill which I didnt have over draft protection in the amount of {$370.00} I have called XXXX XXXX XXXX XXXX numerous of times asking what account was paid and please forward me what was paid and why was it paid it I didnt have over draft protection its been two months now and I have yet to receive any thing from XXXX XXXX XXXX XXXX or Chex system.I was reported to Chex system I filed a dispute with Chex system and I have not got a response I want for this to be took off my report closed out from Chex system as well as XXXX XXXX XXXX XXXX I dont owe {$370.00}.
Product: Money transfer, virtual currency, or money service

WE WERE AGENT FOR SIGUE CORPORATIONS AND HAD DEPOSITED TO SIGUE AN AMOUNT OF XXXX ON CHECKS AND THEY STOPPED DOING SERVICES .THEY OWES US THAT MONEY. WE CALLED MANY TIMES, BUT THEY NEVER RETURNED THE CALLS.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX Bank regarding several discrepancies and issues that have negatively impacted my credit report. The details of my complaint are as follows : XXXX. **Multiple Accounts Reported on Credit Report** : I have discovered a total of XXXX accounts reported on my credit report from different variations of this comapays name or affiliated companied ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc ). Some these accounts appear to have been initiated by XXXX XXXX XXXXXXXX XXXX without my consent . 

I am unable o provide account numbers and specific information about these accounts due o the fact that they have limited information listed on my credit profile XXXX. XXXX XXXX XXXX : I am aware of XXXX account, a XXXX XXXX Account XXXX which I opened and have since paid in full and closed. During the tenure of this account, I was offered a secured credit card. 

XXXX. **XXXX XXXX XXXX XXXXXXXX : The secured credit card was funded by pulling money from my XXXX XXXX Account XXXX Over time, as I made payments, I chose to have the funds moved to the XXXX  credit card fund. Upon paying off the XXXX XXXX Account in full, all the funds were transferred to the secured credit card. I was informed by a XXXX XXXX associate that I would not receive a payout because the money would be applied to my XXXX credit card. 

XXXX. **Late Payment Reporting** : Despite the funds being applied to my XXXX credit card and my XXXX XXXX Account being paid in full and closed, I am still receiving late payment notices for this XXXX  card in which i was also told was closed. This is highly confusing and unjust, considering I was led to believe that all payments were up to date and correctly managed. 

I am requesting an immediate investigation into these matters. The incorrect reporting of multiple accounts that I did not open is a serious issue that requires rectification. Additionally, the mishandling of my XXXX credit card funds and the erroneous late payment reports are damaging my credit score and financial reputation. 

Furthermore this company has also violated my rights under the FCRA. 
15 US Code 1681 section 602 15 US Code 1681 section 604 section 2 15 US Code 1666b I would like the late payments removed and account agrees to Paid as agreed, never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Experian and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
Product: Debt collection

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXXXXXX XXXX XXXXXXXX. I highly suspect my personal information was stolen by my XXXX XXXX The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and XXXX  brother ( who also has a ruined XXXX XXXX because of XXXX XXXX  committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My XXXX XXXX XXXX name is XXXX XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.