23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to formally file a complaint against XXXXXXXX XXXX managed by XXXX XXXX XXXX and Aldous & Associates Debt Collection Agency . Below is a summary of the situation that has led to my complaint : I signed a lease for an apartment at XXXX XXXX, managed by XXXX XXXX, on XX/XX/XXXX, while I was attending XXXX XXXX XXXX However, due to unforeseen personal circumstances, I was unable to continue my studies at the university and made the decision to move out of the apartment on XX/XX/XXXX. I immediately informed the XXXX management team of my decision and left the apartment key in the unit. 

After notifying them of my intent to move out, I was informed by XXXX XXXX that I still owed money for the remainder of the lease due to the signed contract. I agreed to pay the fees, but the person I spoke with over the phone insisted that I could only pay via money order, which seemed unusual as I would have preferred to make a payment through a card transaction or a bank transfer for better documentation and record-keeping. 

On XX/XX/XXXX, as I was leaving XXXX, I went to a gas station, purchased a money order, and dropped it off at their office after hours, leaving it under the door. I believed this matter was concluded at that point. 

However, a year and a half later, I was shocked to discover that XXXXXXXX XXXX claimed I still owed them money and had sold my alleged debt to Aldous & Associates Debt Collection Agency. This has raised serious concerns as there have been multiple violations of my rights during this process. 

The specific issues I have encountered are as follows : Illegal sale of a paid debt : XXXXXXXX XXXX should not have sold a debt that was already paid in full, which is a violation of my rights. 
Failure to send prior notice : XXXXXXXX XXXX  never sent me any form of notice, either electronically or by mail, informing me of an unpaid debt before selling it to a collection agency, which is against the Federal Trade Commission ( FTC ) regulations. 
Failure of Aldous & Associates to communicate : Aldous & Associates has never contacted me by mail or any other means to inform me of this alleged debt before it was reported to the credit bureaus. This is a violation of the Fair Debt Collection Practices Act. 
Lack of proof of debt : Despite my request for proof of the debt, it has been over three weeks and I have yet to receive any documentation from Aldous & Associates regarding this matter. 
I respectfully request that the Consumer Financial Protection Bureau look into this matter and assist me in resolving these issues, which include potential violations of debt collection laws and consumer protection regulations. 

Thank you for your time and attention to this issue. I look forward to your response and any assistance you can provide.
Product: Debt collection

Medical Revenue service has place a collection on my credit report. I do not owe this debt. XXXX XXXX was placed on my XXXX  report on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX. The letter accused me of owning Medical Revenue Service a total amount of {$410.00}. In the letter which was dated XX/XX/XXXX, stated that I had 30 day 's from receiving this notice to dispute the validity of the debt. Medical Revenue service Violated FDCPA by placing a collection on my credit report with XXXX  on XX/XX/XXXX for the amount of {$140.00} Four days after they wrote the letter without giving me the 30 day 's to dispute the validity of the debt. This act on their part has defamed my character, damaged my Exceptional credit score with XXXX  by bringing it down 63 points. This has put me under stress because of this. Medical Revenue Services has violated of my consumer rights. This is a violation of the FDCPA 15 U.S code 1692k- civil liability a violation of a XXXX.. This needs to be removed from my account immediately. I will be sending a letter to the FTC immediately! Thank you
Product: Credit reporting or other personal consumer reports

The following items on my credit report are inaccurate or erroneous : Account Name or Number : XXXX XXXXXXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX  dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account XXXX or XXXX : XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX  dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account XXXX or XXXX : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reason : " This account was CANCELLED AND PAID. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to the original complaint filed with the ( CFPB ) on XX/XX/XXXX. My issue has still not been resolved with Equifax. I have filed 8 disputes on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Equifax is still reporting false and inaccurate information on my consumer report. 
Equifax has not verified information with The Department of Education or XXXX because if so my consumer report would reflect and update accurate information. 
I've called The Department of Education and was told that Equifax has not called them to verify any information about my account and that they would not send another update unless information was not correct so I'm concerned that a investigation has not been completed since The Department of Education has not been contacted. Updated credit information from The Department of Education was sent to all three credit bureaus on XX/XX/XXXX to remove Department of Education account from consumer reports and Equifax has denied receiving update. 
Equifax has not contacted XXXX to verify any information or completed an investigation because if so Equifax would not be reporting pays as agreed to an account that I'm in forbearance with until XX/XX/XXXX and have not made any payments to them so this information is false and incorrect. 
I've sent letters from The Department of Education and XXXX to Equifax stating this information and they have still refused to update files but have agents telling me to call The Department of Education and XXXX to update files with correct information. I've called both companies and was told that Equifax would have to call and verify the information with them and Equifax refuses to do so. 
If the Department of Education would send an update to Equifax to remove from consumer file as XXXX and XXXX have I would greatly appreciate. 
If XXXX would send Equifax an update to remove from consumer report until forbearance period is over and I start making payments so that false information reporting would be removed. I'm confused on how Equifax is verifying and conducting investigations if they are not contacting the creditors to see if information is accurate that they Equifax are reporting while closing out disputes as completed without an accurate resolution.
Product: Credit reporting or other personal consumer reports

Without my knowledge or consent, the company made these inquiries. Please remove them.
Product: Credit reporting or other personal consumer reports

I recently had to pull my credit report for the first time as I am a freshman college student and was getting rejected for a housing application. I realized that there's Debt collection company named JEFFERSON CAPITAL SYSTEMS, XXXX XXXX on my credit report. According to my credit report, this collection appeared to have been submitted on XX/XX/XXXX and the debt that was referenced was listed as delinquent since XX/XX/XXXX in the amount of {$590.00}. The report did not list what this debt was for and myself nor my parent has never had any dealings with this JEFERSON CAPITAL SYSTEMS. According to collection activity, the last XXXX digits of the account number for this activity is # XXXX and listed an open date of XX/XX/XXXX. 

In XXXX, I was XXXX XXXX XXXX and unable to conduct any type of business. This information is erroneous and false and as such should be taken off my credit report and the company needs to be investigated. It is also of note that the erroneous debt was listed on my report for collection AFTER the NYS statue of limitation for such debt if it were valid. It should also be taken into account that JEFFERSON CAPITAL SYSTEMS has never reached out to me regarding this matter before I saw it on my report which denied me opportunity to investigate it and defend myself and protect my credit. Because of this action, I am being denied benefits that are critically important to my livelihood as a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XXXX failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding significant inaccuracies and fraudulent activity present in my credit report, which have been causing detrimental effects on my consumer rights and financial well-being. 

Upon reviewing my credit report provided by Experian, I discovered troubling discrepancies that require immediate attention. Specifically, there are inaccuracies in my personal information and fraudulent accounts listed on my report. 

Personal Information for Experian : NAME : XXXX XXXX XXXX XXXX It has come to my attention that there are variations of my name existing within Experian 's records. I have requested the immediate deletion of any entries that do not precisely match my correct name, " XXXX XXXX XXXX XXXX, '' to ensure the accuracy of my credit profile. 

CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, NC XXXX Additionally, there are addresses listed in Experian 's system that do not correspond to my current residential address. I have explicitly requested the removal of any address entries that do not align with " XXXX XXXX XXXX, XXXX, NC XXXX '' to maintain accurate information for future transactions. 

Fraudulent Accounts : After a thorough review, I have identified the following accounts that do not pertain to me : Armed Forces Loans Account Number : XXXX ( FTC Report # XXXX ) Date Opened : XXXX Balance : {$1400.00} XXXX  Account Number : XXXX ( FTC Report # XXXX ) Date Opened : XXXX Balance : {$490.00} These inaccuracies and fraudulent accounts are deeply concerning and could potentially have adverse effects on my financial well-being if not addressed promptly. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian takes immediate action to rectify these issues. These accounts do not belong me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. 

In conclusion, I implore your prompt attention to these matters and request that all necessary actions be taken to remove these inaccuracies and fraudulent entries from my credit report. Your cooperation in resolving these issues swiftly is crucial in safeguarding my consumer rights and financial stability. 

Thank you for your assistance in addressing this urgent matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inquiries, as I have no knowledge of them. 
I DO NOT HAVE ANY ACCOUNTS WITH THESE COMPANIES. There was a employee that went rouge and used customers information without authorization. 


Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Date of inquiry XX/XX/XXXX Dispute this Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage company will no longer take payments from me because they were not able to insure my loan and decided to sell the company and call my loan due. In turn started to report 30 days late every month that i could not pay the full balance and this is not the terms on my contract, therefore they need to remove the 30 days late per the original agreement on the contract as they have changed the terms without me agreeing to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Experian assigned  XXXX   XXXX  from their consumer affairs department, I can not get any information from experian.com and I am not able to get the Experian annual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX 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

After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the continued inaccurate reporting of a charge-off account by TransUnion. Despite submitting multiple disputes, the credit bureau has failed to correct significant errors, whereas XXXX removed the account following my first dispute. 

Key Issues : Account Inaccuracies : The account shows missing months of payment history, which were later updated inconsistently. Some months have no payment history, and others were updated to " charge-off '' status. Additionally, the charge-off date was repeatedly updated, including changes in the balance and last updated dates. 

The account was marked closed in XX/XX/2023, but the charge-off status and balance continued to be updated after this date. This behavior suggests re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I filed three disputes through the CFPB regarding this account, but the issues have not been corrected by TransUnion. Despite pointing out these inaccuracies, the bureau has failed to conduct thorough investigations and continue to report inaccurate information. XXXX removed the account after my first dispute, confirming that these inaccuracies should not be present.
Product: Payday loan, title loan, personal loan, or advance loan

I was checking my XXXX credit report, when I came across an unauthorized line of credit on my report, I remember going on the website, to check and see if I would qualify, though I never authorized this company to preform a hard inquiry on my credit report. 

Dave/XXXX XXXX Date of inquiry : XX/XX/
Product: Money transfer, virtual currency, or money service

On several dates which began XX/XX/XXXX thru and including XX/XX/XXXX transactions via Zelle were made by XXXX XXXX from my XXXX bank account to her XXXX XXXX account without my knowledge or authorization. Her phone number is : XXXX and her address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
Her email is : XXXX and XXXX. 

When I checked my account and noticed the missing funds I notified XXXX and they applied a temporary credit to my account. The following are the transactions : XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - four ( 4 ) transactions of {$500.00} = {$2000.00} XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - one ( 1 ) transaction of {$900.00} = {$900.00} XX/XX/XXXX - one ( 1 ) transaction of {$500.00} = {$500.00} XX/XX/XXXX - one ( 1 ) transaction of {$120.00} = {$120.00} The above transactions total {$6500.00} this theft overdrew my account which caused me great deal of financial hardship not the least of which was my rent payment. To add salt to the wound XXXX without any clear explanation reversed the credit and proceeded to charge my overdrawn account various banking fees. 
I contacted the customer claims department more than once, asked for supervisors and went into a local branch where the person there did exactly what I have been doing. She called the customer claims dept only to be told ( as I have been ) the claim was denied due to it have been done via my phone. I explained to the claims dept that the person had photographed my chase debit card ( as well as other credit cards ), stole my license and my XXXX. XXXX asserts that they had no responsibility to me as their customer to alert me when the transactions were made as there was nothing that stood out as possible fraud. I questioned them since when I have tried to make purchases myself for example at the XXXX store I would receive a fraud alert and yet 4 transactions of {$500.00} within seconds of each other on XX/XX/XXXX did not apparently cause concern and raise a red flag for me to be contacted. I have proceeded to contact the executive office in NY corporate office and XXXX at XXXX ext.XXXX was investigating the matter ( ref # XXXX. Since my contact with the executive office was on XX/XX/XXXX and I had not heard back from XXXX I contacted her today and she regurgitated that the claim is denied and she would be unable to credit the fees which are approximately {$300.00}. She did state that she escalated the matter for further investigation however, she stated that the claim would still be denied. That made absolutely no sense. XXXX has failed to protect me their customer and allowed a thief to perpetrate bank and internet fraud against me via another scam of an entity ZELLE. 
I am requesting assistance from the OCC as I have enormous medical bills that are a result of the trauma that this person XXXX XXXX has caused me.
Product: Checking or savings account

I was charged many fees and also had an account opened in which I was unaware
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sent dispute letters to Equifax , XXXX , and XXXX . disputes are as follows Equifax : XXXX XXXX {$230.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX- {$880.00} XXXX : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX : XXXX XXXX {$230.00} XXXX XXXX XXXX {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, XXXX, XXXX, and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According tp 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX