23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX was sent to the wrong person and I wasnt able to get my money back And when I reached out to Zelle about the incident I was pretty much told it was my lost I dont remember the exact dates but I know it happened I believe end of XXXX or beginning of XXXX
Product: Debt collection

XXXX other reviews as well as my own explain Aargon Collection Agency illegal and unethical practices when it comes to data reporting and debt collecting as well as there unwillingness to properly validate debts and miscommunications practices to further hurt consumers. Aargon Collection Agency Will say they have following FCRA practices but damaging credit by XXXX points for a account you never validated while refusing to state which address you sent it to follows heavily with the manipulative practices others have reported from you.
Product: Credit card or prepaid card

I have a loan with WELLS FARGO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Product: Mortgage

I was denied a mortgage from Suncoast Credit union and I believe I was discriminated against. The denial letter stated that I have excessive obligation to my income which is not true. I have paid everything on time.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is
Product: Debt collection

I recently pulled my credit my report and noticed that this company was on my credit report. This company did not notify me that they were collecting this debt nor did this company give me notice that I had the right to dispute the validity of this debt.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter.

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,
Product: Credit card

I have an account with citi and while having this account I have been charged late fees since I had the account after numerous of times contacting the XXXX # to have my due date changed and was told that it could n't be changed and asked if the late fees can be waived since my due date could n't be changed this card has ruined my credit and has n't helped me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did as I was directed to do by FPD California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.
Product: Mortgage

Called sovereign mortgage company. They did a hard credit report without my XXXX. I was just asking about rates and closing costs. Talked to XXXX XXXX and XXXX XXXX. They were supposed to send a transcript of the cal 2 weeks ago. We have called back 5 times with no return call. We want the hard credit strike removed.
Product: Checking or savings account

Absolutely ridiculous, Capital one accounts have been locked while I was traveling and Capital one refuses to provide toll free number overseas or proper customer service in XXXX. XXXX reps are not adept and incapable of addressing issue of locked account. Took over a month and still not fixed. Identity verification can not be properly completed because Capital One short codes do not go thru to phone number on account, and changes take up to 15 days while stuck stranded overseas with no money. Completed multiple ID verifications as well repeatedly. Could not get a new credit card sent out in a timely manner, nor change pin, or unlock bank account.
Product: Debt collection

I have mailed and sent Equifax copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Product: Vehicle loan or lease

Dispute of Accounts Resulting from Identity Theft I am writing to formally dispute an account on my credit report that were opened as a result of identity theft. 

I have attached a copy of the police report regarding this matter for your reference. I request that you investigate and remove the following accounts from my credit report, as they are inaccurately reflecting my credit history : XXXX Account XXXX : XXXX XXXX : {$26000.00} This auto loan was fraudulently opened without my consent or knowledge. I have taken the necessary steps to report the identity theft to the relevant authorities, and the attached police report provides further evidence of the criminal activity that has affected my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and promptly remove them from my credit report. 

I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT! 
It is imperative that my credit history accurately reflects my responsible financial behavior and that I am not unfairly penalized for fraudulent activities beyond my control. I would appreciate your prompt attention to this matter. Please provide me with written confirmation of the investigation and any actions taken to rectify the inaccuracies on my credit report. 

Additionally, I request that you provide me with an updated copy of my credit report once these disputed accounts have been removed. Thank you for your assistance in resolving this matter. 

I look forward to a prompt and satisfactory resolution. 

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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance $ 427 Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Debt collection

I sent a letter to Credit Management LP asking they please supply me with information about the debt so i can be fully informed of the debt in question as to be mine. Please see attached letter.
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate removal of inaccurate information from my credit report related to the XXXX credit card account. Regarding late fees around XXXX and XXXX. For one XXXX needs a better system to make payments. Their system is always down and they DO NOT answer the phone. Despite requesting account closure and settling the balance ahead of time, I recently discovered that late fees and interest have been wrongfully added to my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and expect it to be corrected promptly. I have previously disputed this with XXXX. As well as XXXX and even the company XXXX themselves informing everyone of this error but no one was helpful.This oversight is unacceptable, and I require immediate action. 

Failure to address this matter will result in further action on my part. I expect confirmation of the removal of these charges from my credit report immediately. When you check my credit history you will clearly see I have always been a punctual person when it comes to making payments and the fact that Ive been disputing this matter for months now with no response is highly disrespectful. 

Sincerely, The Frustrated Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AFFIRM INC account # 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: Mortgage

In spring of 2015 I had lightning strike a tree that fell on my stick built out building. The cost of repairs was over {$12000.00}. XXXX XXXX was my insurance company and they released the payments to Wells Fargo in XXXX payments as the repairs were being made. Wells Fargo released the XXXX XXXX payments each over {$4000.00}. Once work was complete and I had paid the final repairs, XXXX XXXX paid the final payment to Wells Fargo. Due to paying for the repairs. I owed 1 month payment of {$850.00} Appx. Wells Fargo refused to release the last insurance check to me unless I made the payment. I explained they could take the payment out of the check or I would make the payment immediately upon receiving the insurance check. They refused. I could not get caught up on the payments due to this situation and was forced into foreclosure and lost the home. I got a check yesterday from Wells Fargo for {$10.00} so I called them after reading about the remediation law suit. They explained that was some kind of over charge in processing fee on the original loan. I filed a new complaint regarding this matter. Complaint # XXXX. They wanted me to send them information about this matter. I called XXXX XXXX and since it has been so long and they have new system they couldn't find my policy or claims. I am still working on that, but I know they have the information and the final check. I feel like they owe me much more then my insurance money since this caused me to lose my home through no fault of my own. I didn't know what to do at the time. I thought what they were telling me was their practice, but it was my money. I paid the insurance through escrow and I paid for the repairs to the property.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The three bureaus, XXXX, XXXX, and Equifax, have reported inconsistent and untimely information.
Product: Vehicle loan or lease

On XX/XX/XXXX I called CarMax at approximately XXXX to make my XX/XX/XXXX payment. 

The office is in Georgia so they closed at XXXX XXXX  California time. 

The CarMax phone system just told me to call during normal business hours. 

I called that day because I was told by their representative to call and pay by phone. 

Their system gave the same recording that they were closed and terminated the call. 

My younger sister passed away from XXXX the month before, in XXXX XXXX. 

I then made the payment while on vacation in XXXX XXXX early by the next morning. 

Remove the 30 day late from XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to Experian on XXXX/XXXX/XXXX they have responded with the account was updated Not removed.
Product: Credit reporting or other personal consumer reports

The agents for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Furnisher of Information XXXX, Experian, XXXX, have continued to misrepresent the records for the collection account for the principal XXXX XXXX. The account transactions are income, per the received 1099-C received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX attached to this complaint. This was sent to furnisher of credit reporting, to correct ; however, the agency continues to evade the principal rights and force incorrect information adversely without requesting the consent of the principal. This has caused incorrect credit scores and credit application denials for consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX i believe this company has violated code 15 USC 1692c B the communication with third parties. 
also i believe this company continues to report this account as every month in payment history as collection. once a account becomes a collection it is closed then sold.
Product: Debt collection

XXXX XXXX  called me at XXXX for my deceased mother 's debt. She has never been listed as being on my phone line ( a personal cell phone ). I told them it was XXXX XXXX   and illegal to call, and that she was deceased. They claimed that their information stated that it was XXXX where she was located. She lived in this time zone for 9 years, and my cell phone has never been listed as being in a different time zone. They demanded a death certificate. I refused to talk to them further and told them I was reporting them.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus took more 30 days & when I acknowledge them about it they refuse too take it off
Product: Vehicle loan or lease

Please see attached document that was sent as a letter to Chase Bank along with my pay-off documentation. In short, I have already paid all 36 months worth of tax payments associated with the lease cost of the vehicle, up front at the dealership. The tax arrangement is then between the dealership and Chase Bank. 

I requested a pay-off quote for my vehicle with 2 months remaining lease payments on my vehicle. The pay-off quote included taxes for XXXX and XXXX of 2022, even though as mentioned earlier, I have already paid taxes for 36 months up front. 

My letter clearly indicated wrongful/erroneous billing and requested prompt refunding of the tax payments in the amount of {$41.00}. Chase has ignored my request, and upon calling over a span of 2 months ( on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I was informed by XXXX on XX/XX/XXXX that Chase has closed the investigation and will not be refunding me and that I need to speak to the dealer and that it is " too late in the process '' to do anything, even though my letter was sent many weeks ago with the paperwork to purchase the vehicle. 

Clearly the dealer has already remitted taxes to/on behalf of Chase, so I should not be left battling the dealership over this - Chase has collected 36-38 months of taxes already, so they need to be refunding me.
Product: Debt collection

Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions.   XXXX  2017,  XXXX 2107, XXXX 2017. I have also mailed in certified letters om  XXXX 2017 asking for several hard inquiries that I did not do be removed from my credit report. I asked them to do a investigation. They have not provided proof that an investigation has been done. They also have not removed any of the hard inquires that I have requested for them to delete due to fraud.
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

Company name : XXXXXXXX XXXX  - Account # : XXXX - Past Due : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX 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 XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : 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.