23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Aargon Agency Inc has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XXXX : {$1000.00} Company never responded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS BEING REPORTED WITH {$7800.00} BALANCE. XXXX. XXXX, XXXX. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY STATEMENT CLOSE DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT BALANCE TO {$0000.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and first names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT names that should be deleted are XXXX, XXXX, I ; XXXX, XXXX, XXXX and XXXX, XXXX, I. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, IN XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.
Product: Credit reporting or other personal consumer reports

Just earlier this week, my credit score was around XXXX. I woke up around the XXXX of XXXX, XXXX, and it was a XXXX. 

There is nothing that shows differently on my report today than it showed for the past few months. Why another huge reduction to my score? 

Plus, there is a closed account showing it was paid off in 7 months ( XXXX ). XXXX also show my score drastically drop XXXX points. Why did either ( Transunion, XXXX, and XXXX ) drop my score? I have 100 % on time payments, never had a late payment, oldest credit line is 4 years. Why keep doing this to my credit?
Product: Credit reporting or other personal consumer reports

These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized Inquiries 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 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 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 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 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 Transunion 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 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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I recently called to cancel my XXXX XXXX card because I received notification of an annual fee. The bill I received prompting the call had a balance of roughly {$110.00}, to which I attributed late fees. 

I placed over 4 hours, wish I was exaggerating, between transfers one hang up to get resolution. The weekend of XXXX XXXX I spoke with a representative who assured the account would be brought to a XXXX balance and closed out. 

As of today I called and was told the account has a {$67.00} balance. I received a collection email. I also continue to have me credit diminished by Citibank. The only activity on the card in months was my youngest son 's unauthorized purchases on XXXX, which XXXX promptly refunded to the Citibank card in full.
Product: Credit reporting or other personal consumer reports

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) These Addresses Do Not Belong to me and I Never Lived at any 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: Money transfer, virtual currency, or money service

I tried to send XXXX to XXXX XXXX but instead the money was sent to XXXX XXXX and when I realized there was a mistake with the name immediately requested a refund which was denied. I called the Wells Fargo phone number on my ATM card and was told that they would investigate the matter. once I received a letter denying my dispute called again and was told to contact XXXX XXXX only to receive a lecture on how I need to pay attention to the picture. That did not resolve the issue and no one cared even when I went to the Wells Fargo branch in person to complain. I said I would close my account with them and that didn't matter either since they are not the one who is XXXX years old loosing XXXX on a whelm. 

I feel that the person who said they would investigate the matter should have told me to contact XXXX XXXX and that XXXX XXXX needs to refund my money since they have the persons information on file who erroneously received my money knowing that it was not intended for them since I immediately requested a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a debt relieve program Beyond Fiancing stated clear my debt up by certain time and still have not done it be in program almost 41/2 years and this was supposed been 3 year program
Product: Credit card or prepaid card

I was advised by Key Bank to cancel my credit card and open another one, with a different number, to stop a fraudulent recurring charge. The customer service agent promised that " there can be no charges on this card number from this day forward. '' Shortly thereafter, Key Bank allowed XXXX XXXX to charge {$750.00} on the old card number. My XXXX XXXX account was on manual renewal, yet Key allowed it anyway. When I contacted Key to find out why they would allow a charge on a closed account number, Key claimed that I authorized the charge. I did not authorize the charge.

Key refuses to take any responsibility. This charge was not authorized, and ironically, when I talked to XXXX about the charge, they refused to refund, and they canceled all of my subscriptions. No subscriptions, even though they got paid.
Product: Credit card or prepaid card

I've had a credit card through Sam 's Club for almost 2 years. In that time, they caught fraudulent activity twice and I caught it once. I thought everything was fine until I tried to use my rewards points and was told I couldn't use them online I had to go in to the store. When I did I was told I had no rewards, so I showed a mailing I'd received that I had over {$100.00} in rewards and they informed me that their rewards system had been hacked so they put a hold on all rewards for a month. I am upset that it took 3 conversations with employees about using my rewards to find out I couldn't because the system was hacked, but I'm even more concerned about the fact that I had fraudulent activity at the same time. They are looking into the fraudulent charges and I didn't have to pay them, which is good.
Product: Payday loan, title loan, or personal loan

The online payday loan was originally taken out in XXXX ( XXXX XXXX + XXXX XXXX ). I had lost my job at the time and didn't have employment for months ( until the end of XXXX ), so I was unable to pay them back. There was no fraud or bad checks written. In that time, the loan was passed off to a collections agency that has used illegal practices. Keep in mind, this is all past the statute of limitations for credit collections and this debt is NO LONGER on my credit report. I will attach a copy, so that CFPB can see I'm being harassed about a debt that's no longer on my credit report. 

The collections company called my cell phone via their number XXXX on XX/XX/XXXX. They NEVER stated the name of their company. When I asked for verification of the debt in written form, I was threatened with them contacting my job, and said I committed fraud by writing a bad check. They ultimately refused to send me a written verification of debt and stated the only written verification of debt that they would send me is a subpoena. I made them aware of the fact that I live in the District of Columbia and it is illegal to harass or threaten consumers under Law # 28-3814, and blocked the number to prevent future harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; Collections XXXX  XXXX XXXX  Opened XXXX {$220.00} ________________________________________ XXXX XXXX  XXXX  Opened XXXX {$490.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$500.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$590.00} ________________________________________ XXXX  XXXX  XXXX  Opened XXXX {$2200.00} XXXX XXXX XXXX  XXXX Opened XXXX {$150.00} ________________________________________ XXXX XXXX XXXX  AD Opened XXXX {$500.00} XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Nissan Motor sent me my account to a collection agency and listed it as a charge off, without notifying me. Upon contacting them as to find out why my credit report was listing a charge off with them, they told me XXXX had finally submitted payment in full to them for my XXXX XXXX ( which had been totaled in an accident ) and the remaining balance was sent as a charge off. I asked why I had not been notified in order to pay the balance in full or make arrangements. I have never been late on any payment with any company. I continued sending payments to Nissan to pay for my XXXX even when it was totaled and I was the one staying in constant contact with them. For Nissan to think it is okay to list customer accounts as a charge off is no way, shape or form ethical. I have tried settling this disagreement with both Nissan and the major credit reporting agency ( XXXX ) to no avail. XXXX has said it must be Nissan who requests the removal that is affecting my credit. I have attached proof of making payments to Nissan even when I no longer had my car, I continued paying in order for a situation such as this not to occur. The statements you will see note the electronic payments of {$400.00} deducted by Nissan from my account every month. This year ( XX/XX/XXXX ), I even spoke to a supervisor at Nissan in the credit collections department asking what could be done to remove the negative charge-off affecting my credit. I was told to pay the balance in full and the charge off would be removed. I even received a written letter from Nissan stating this would happen. I paid the balance in full and still Nissan has refused to remove the negative charge-off from my credit report. You will see my past credit history reports excellent credit up until the events leading to this situation. You may contact me if you have any questions at XXXX.
Product: Student loan

I did not receive a billing statement for the month of XXXX, though Mohela did withdraw my loan payment on XX/XX/. In early XXXX, I read that Mohela was required to provide me with my billing statement 21 days prior to my due date, and that there were millions of other impacted borrowers. The Department of Education has directed Mohela to place all affected borrowers into administrative forbearance until the problem is fixed, and my account was not placed into administrative forbearance. I called Mohela on XX/XX/23, and after 40 minutes of being on hold, I spoke to a representative named XXXX at XXXX ( XXXX XXXX ). XXXX informed me that Mohela " was all caught up '' and wouldn't be placing anyone into an administrative forbearance for a bill being " a few days late ''. I told her that I didn't receive a bill in my Mohela portal, and she informed me that the bill had been mailed. I said that I had elected all communication to be done electronically, and that everything these past few months had been provided via the Mohela portal, including my auto debit updates and my IDR confirmations. I asked her to place a copy of my XXXX bill into my portal, and she said that she couldn't because it had been mailed to me. I said that I did not receive anything in the mail, and that I wanted a copy of my XXXX billing statement put into my portal, and she refused. I also informed her that my XXXX bill had just barely been posted that same day, XXXX, telling me that my amount was due on XXXX, and that it didn't meet the 21 day requirement, to which she said, " We aren't going to [ place you on administrative forbearance ] because your bill was a few days late. '' I told her that the Department of Education has directed Mohela to put affected borrowers into Administrative Forbearance. As I did not get an XXXX bill, and my XXXX bill was given to me only 4 days prior to my due date, I am an affected borrower and should be put into Administrative Forbearance. XXXX responded with, " No, we aren't going to do that. I haven't been told to do that. '' I let XXXX know that I would be submitting a complaint to the Department of Education, which was submitted on XX/XX/23. As can be seen in the included documentation, my XXXX billing statement has a fraudulent billing date of XX/XX/23. The billing statement was provided to me on XX/XX/23, NOT on XX/XX/23. My XXXX billing statement has a fraudulent billing date of XX/XX/23, but it was not provided to me until XX/XX/23.
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report I came across some unauthorized inquiries. 

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 XXXXXX/XX/XXXX
Product: Credit reporting 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 : Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital System LLC Fraud Department of Billing Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, posted on XX/XX/year>. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies ( CRCs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely,