23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my concern regarding the conduct of Aldous & Associates, a collection agency that has been handling an account in my name. Despite my repeated attempts to address the matter and dispute the accuracy of the account, Aldous & Associates has failed to comply with applicable laws and has disregarded my rights as a consumer, and has committed multiple violations of the ( FDCPA ) and ( FCRA ). 

Despite multiple disputes, I have received no written communication, ever, from Aldous and Associates regarding the debt prior to reporting to the CRAs, prior to the letter I received on XX/XX/XXXX, which is a clear violation of 15 U.S.C. 1692g ( a ) ( 1 ). 

I have disputed the accuracy of the account both verbally and in writing, prior to receiving the aforementioned letter. Aldous & Associates has consistently failed to address or acknowledge my dispute, which is a direct violation of 15 U.S.C. 1692g ( b ). This disregard for my rights as a consumer and the agency 's duty to investigate the disputed account is unacceptable. 

Noncompliance with Cease and Desist Request : On XX/XX/XXXX, I sent Aldous & Associates a formal letter stating my refusal to pay the debt and explicitly instructing the agency to cease all communications with me, as is my right under the FDCPA. However, the agency sent me a letter on XX/XX/XXXX attempting to collect the debt, completely disregarding my refusal to pay and my request to cease all communications. This clear violation of 15 U.S.C. 1692c ( c ) reflects a blatant disregard for the law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is putting information under XXXX XXXX XXXX XXXX  XXXX falsely stating there is a bankruptcy XXXX XXXX XXXX XXXX  XXXX has stated they dont report verify or furnish any information to the consumer reporting agencys to any credit reporting agencies.
Product: Mortgage

Loan XXXX XXXX Citi Mortgage lied Profusely they told me when I was applying for the loan and have it in emails that this is going through XXXX XXXX and this would be a XXXX XXXX loan. I have many many emails between XXXX XXXX Sales Manager at Citi and XXXX XXXX who knowingly knew all along that Citi owned my mortgage. This is fraud. Tried to deny me my {$5000.00} Homerun program as a lender credit as my income is {$50000.00} and XXXX XXXX median income can not be above {$55000.00} and called them out in there lie. The Closing docs were fudged the day before closing. The process was constant toxic fraud and unethical behavior. XXXX XXXX changed the numbers in the closing docs. This XXXX told to me by XXXX XXXX at Citi and tried to to add the {$5000.00} and forced me to pay almost {$5000.00} in points and XXXX XXXX the XXXX knew as she contacted and I was ignored. Now I call higher ups at XXXX XXXX. They are not my investor. XXXX XXXX is not my investor. They commit so much fraud and this is one example. My {$2000.00} out of my Citi bank account was withdrawn by the branch manager XXXXXXXX XXXX XXXXXXXX and the money is missing. Its endless acts of fraud and violations. I did not want to close but threatened I round lose my {$10000.00} XXXX XXXX. I would of never accepted a mortgage If Citi was the investor. NEVER. This is very serious and knowingly committed fraud. 
I would of never went through the process. This was my first question. How can Citi do something like this. I am shocked and over my dead body i am going to take every XXXX ruin necessary to ensure the fraud is handled and this bank is punished.
Product: Debt collection

seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4.days I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Student loan

In my previous complaint to you I advised that XXXX/Navient cancelled my interest rate reduction program that they provided to me after my first complaint through you. Well, this is my third complaint and I am letting you know that they have again canceled my interest rate reduction program. I need help. 

Again, they send a document to their online platform for me to review rather than just sending the document to my email. I need to stay informed. I need my interest rate reduction program reinstated in order to afford my student loan. I can not afford their current 9.75 % interest rate on my current balance of {$82000.00}. 

Take a look at the transaction history I have attached and see if you can make out what exactly happened to the account. All the " Adjustments '' and capitalized interest I had no idea about. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID XXXX was closed in error. It is not the same as complaint ID XXXX. DO NOT CLOSE THIS COMPLAINT. 
Transunion has demanded I file an Identity theft report to remove some inquiries. I am a victim of the XXXX XXXX data breach and Transunion is aware of this. They are refusing to accept my FTC report. They keep blocking my online access and telling me I cant dispute over the phone I can only mail my documents. Ive been trying to resolve this for over two months and its causing me financial distress and mental anguish. I contacted the FTC and they advised I contact the CFPB to complain. The FTC reports number is XXXX. Im demanding Transunion immediately remove the XXXX XXXX INQUIRY DATED XX/XX/XXXX and XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX INQUIRY DATED XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

UPON ME LOOKING AT MY CREDIT REPORT ON XX/XX/year> I DISCOVERED WRONG ADDRESS AND ACCOUNTS
Product: Credit reporting or other personal consumer reports

This is my filling complaint to the XXXX XXXX since I was never been informed about this account and for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, This demand letter of deletion should be taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/XXXX XXXX that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!
Product: Credit reporting or other personal consumer reports

I have disputed a derogatory collection account. They came back within a couple days stating it was verified. They did not provide me with the means of verification, and its impossible to verify a debt that I do not owe. It also states on my credit report the credence resource management is the original creditor, I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had an auto accident XXXX, XXXX, and XXXX XXXX over the next 2 and a half years. After my doctors told me that I would never be able to work in my vocation again I canceled all my accounts XXXX XXXX. I filed with each of my loans and credit cards the payment insurance/assurance purchased through the respective creditor. All of these account are beyond the 7 years provided by FCRA. I was diagnosed with XXXX in XXXX XXXX. I have n't worked since XXXX and unfortunately living in Louisiana during XXXX XXXX XXXX. Than XXXX the XXXX XXXX XXXX XXXX XXXX XXXX. Each of these catastrophic event devastated our economy, add to that each of my medical issues. This credit report needs to be straighten out.
Product: Student loan

XXXX XXXX / Navient never calls to notify primary account holder of past due or issues with payments and calls my parents 10-20 times a day to get them to pay. I have deferment ongoing and if it falls off or renewal forms are lost/not received they will aggressively attempt to get payments from parents and I never know there is an issue with my deferment or forbearance until I hear that my parents have exhausted their bank accounts to get them to stop harassing them. 

I have attempted to resolve this with the BBB and they continued their practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Roundpoint was negatively reporting on my VA Home Loan during a mishap of payment while XXXX  to XXXX XXXX   on XXXX XXXX XXXX. I disputed and then filed Ch XXXX   Bankruptcy including any debt owed to them. They transfered loan and claim there debt was valid. They are showing improper and illegal late fees and balances according to Service Members Civil Relief Act and the fact that I included them in Bankruptcy. Please delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit card or prepaid card

XXXX card is the company on XXXX the XXXX they cut my card off for and unauthorized transaction and sent me out a replacement card without letting me know they was cutting my card off in the first place they said the card was expidited and its been 15 days and I havent seen my replacement card of any of my money Ive call probably 30 or 40 times and they never help me they always say they are sorry they cant do nothing about it then they sent me out another card and I still havent received it over 10 days Ive been waiting and waiting I got over a 1000 dollars in my account I cant even touch or use and I just need my money as soon as possible thank you
Product: Debt collection

Ive tried numerous times to resolve this issue I had no luck with the company. this hindering me from buying a home and its a defamation to my character. 



The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Business Card {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.
Product: Debt collection

I got a letter in the mail they are garnishing my wages on XX/XX/2024 I called to give them my attorney 's name. I verified who I was name, dob, lasts XXXX of social. wanted my address but I told her she has it. I am trying to give her my attorney information. she refused to take it until I verified my address. she refused my attorney 's name and blocked my number so I can't call them to give them my attorney information. The behavior was rude. and refusing my attorney information is against the fcdpa. The fact I am in the middle of a XXXX  they need to take the proper steps but this lady refused. even when I askesd to speak to someone else she told me no and hung up on me multiple times.
Product: Credit reporting or other personal consumer reports

An unrecognized, possibly fraudulent account has been added to my credit report by XXXX XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX MI XXXX. The account is a XXXXXXXX XXXX XXXX card with a balance due of {$1500.00}. I dispute that this debt is mine and that it is within the valid time frame to remain on my credit report.
Product: Student loan

As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness.
Product: Credit card or prepaid card

- XX/XX/XXXX realized that my american express membership rewards balance ( ~XXXX ) has been frozen as I am unable to transfer to travel partners -XX/XX/XXXX contacted amex via chat and was told that my account is being reviewed for the next 6-8 weeks. No additional details or rationale was given as to why or what I needed to do to resolve quicker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have also talk to EQUIFAX about my claims I have against them they also still committed fraud against me and not paid me part of the settlement they gave the claim number they gave wrong days that the force to pay me they said XXXX it was XXXX then in the same letter they said XXXX XXXX months that already had pass when they sent me this letter in XXXX. The have inquiries that's XXXX XXXX and also inquiring that's says inactive on there they are falsely and committed fraud on my credit report this unjustified unconscious this is a fraud against me my credit report they bring my credit report score down they want show it this fraud
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Tied to an open account ( Auto Loan )
Product: Debt collection

I only knew about this debt because of XXXX XXXX. I received no notice and have been trying to contact them for details. I am not sure what account this is regarding, as I have taken care of my hospital visits already. My recent hospital visit was not charged on the grounds of charity. I have already contacted the hospital to confirm that it was in fact absolved. If this isnt a charge from the hospital I am not sure what is it, and have been trying to gain contact to find out where it is from. It has been on my report since XXXX, which also dont make sense, as I have not visited the hospital at all this year. If it is older, I do not know why I havent gotten any information regarding the charge and it being sold to collections. I graduated college in XX/XX/2023, and working on repaying student loans. for this reason I can not afford this expense and need the opportunity to dispute this
Product: Credit reporting or other personal consumer reports

The items listed below are still reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00}