23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt collections company called Aldous & Associates, P.L.L.C. is attempting to collect a debt from my minor child, XXXX XXXX. Contact attempts are included in the attachments of this complaint. 

According to XXXX, he visited XXXX, a local fitness facility located in XXXX, Texas, in XX/XX/2022 and asked for a 5-day trial period pass. The XXXX representative took his driver 's license and debit card. He believed he had a 5 pass and visited the facility less than a handful of times in XX/XX/2022. 

Based on my research, it appears that the XXXX representative took his information and entered a minor child into a contract without his knowledge and without a parent or guardian present. The signature on the contract provided by the XXXX is not XXXX signature which leads me to believe that the XXXX representative also forged the documentation. A copy of this contract is included in the attached documents. 

The XXXX sent him to collections. The Collections Agency ( Aldous & Associates ) will not speak to me to help resolve. 

I have also tried to work through this issue directly with XXXX but can not get XXXX to respond to emails or talk to me in person. Example included in attached documents. 

A fair resolution would be to cancel the debt that has been accrued on the account and cancel the fitness facility membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive wrote and call experian to remove wrong names and a social security number thats not mine and they still refuse to remove wrong names and wrong social security number
Product: Debt collection

In accordance of Federal law FDIC " Holder In-Due-Course-Rule '', Federal Trade Commission Act ( Section 5 ) Yamaha Motor Finance Corporation U.S.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in violation . 
Upon my records, I, XXXX XXXX, finds Yamaha Motor Finance Corporation, U.S.AXXXX to be " Unjust Enrichment ''. 
As it is evident, I strongly disagree and REJECT any agreement ( s ) I've signed as I'm aware it violates my rights. 
XXXX XXXX ALL RIGHTS RESEVED UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments show that company denied payment was late. But show on credit report twice. Public record was off my report for a year, then all of a sudden it appears. Shouldnt be on reports. I have paid off many loans, car loans that proves credit history, that I have not seen since the XX/XX/XXXX. Lots of positive activity has been taken off.Why is this being done? Inquires that I didnt request, is on my report, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, Equifax everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

XX/XX/2022 I asked claims department to investigate and provide me with original agreement.
Product: Debt collection

Capital one has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019, Bank of America received a mortgage payoff during a refinance process. On XX/XX/2019, Bank of Americas autopay system electronically deducted a mortgage payment from my checking account even though the loan was paid in full. I contacted bank of America that day and was told that I would be refunded the amount electronically. By XX/XX/XXXX, my money had not been received and I called customer service. I was told it would take up to 48 hours. After 48 hours I was told it would take 7-10 days for an electronic transfer that had been authorized by BoA on XX/XX/XXXX. Today is XX/XX/XXXX and the monies have not been received and do not show pending. 7-10 days for an electronic payment through the clearing house seems egregious given same day transfers occur daily between banks with services like XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the

consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

My identity was stolen and used to open a checking, saving, and credit card accounts at Navy Federal Credit Union ( NFCU ) at the end of XX/XX/2022. Since getting notice of this, as a result of an alert from one of the credit agencies ( early XX/XX/2022 ), I have been unable to get Navy Federal Credit Union to close the account and absolve me of charges made to the credit card. They recently informed me that my dispute has been denied, and that I am responsible for charges made to the account. The account -- and outstanding charges -- have shown up on all my credit agency reports. 

It has been extremely difficult and frustrating to contact NFCU and have them acknowledge and correctly investigate these accounts. I have spent hours on the phone with them ( mostly on hold ), sometimes getting switched multiple times between the security and fraud departments. When I do get to speak with someone, they tell me the accounts are valid, and requests by me as to how to provide the necessary information/procedure to prove this is a case of identity theft have gone unanswered. They also do not provide an reason as to why my claim has been denied, or what was the basis of their investigation. This past Friday, they actually hung up on me after being on the phone for over 4.5 hours ( again, mostly on hold ). 

Their business practices are simply unethical. And customer service is awful. They should have never allowed these accounts to be opened, and thus far I have not been able to get them to close them despite hours of my time on the phone.
Product: Debt collection

I do n't remembering having an account with XXXX XXXX which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a Law office of Patenaude & Felix which states they are collecting for XXXX XXXX. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
Product: Debt collection

I received an email from XXXX XXXX today. That said I have a new collections so I went to go check the new collections upon reviewing the collections. It showed me that a company called Jefferson system has taken on a debt collection from XXXX of {$1300.00} or so. Ive never opened an account with XXXX in my life or have even stepped foot in a XXXX. Ive only ever had XXXX or XXXX  so Im wondering if someone stole my identity to open an account or whats happening but my credit score went down XXXX points and its unacceptable. Something needs to be done.
Product: Mortgage

My wife and I began a refinance process on our house XXXX. We currently live XXXX and are renting out the house. We were interested in lower our interest rate. The entire process took 5-6 months. A lot of delays on the bank side, very unresponsive and we feel we were treated unfair. We went through XXXX underwriters because the bank themselves acknowledged prior ones were not communicating/working out properly. We received multiple Hud Statements, but we were told not to worry about the information on it until the last XXXX came. Thoughout the entire process, they kept requesting same paperwork over and over, not only from us, but from my employer- who was becoming very irritated. After escalating our loan to supervisors/managers - we were told we did n't qualify, only later to find out it 's because some of my income was not being used. Which they did a very poor job in communicating that- the loan was finally approved - after the asked the proper questions to my employer. Once the final Hud Statement was sent- it turns out that We were being charged for Extensions - added up to about {$2400.00} - which was NEVER communicated to us- yet they claim it was. Interest rate was higher- because we were taking cash out - which was NEVER communicated to us, yet they claim it was. Once we finally closed, there was a loan that needed to be paid off, in order to qualify ( which was poorly communicated to us ) - we assumed the check would be sent to the finance company, but it was n't, we kept checking to make sure it got paid, and did n't find anything out until we reached out. We were then told that the check was sent to us, but that it was sent to the wrong address, so it came back and it needed to be sent again. We asked why this was n't communicated to us, no answer. the loan was with a XXXX, so we could n't quickly get it to them - we had to overnight it - I asked what the bank planned to do about this error. They said nothing- but I later received a call saying they would send me a {$50.00} gift card. I explained I was very disatisfied with everything, and that I am not looking for a {$50.00} gift card, but for all the extra fees we had to pay. Nothing was done. A few days after closing- we were called by the notary - saying that a witness was needed on the closing - that was not done initially- she advised us that the bank gave a very tight window to complete- so I had to leave early from work and meet her at a Bank branch. 

If I had the luxury of going with another company, I would have, but after promise and promise, they kept dragging us along, plus, we were in the middle of buying another house. We planned on going with the same bank, but after this experience, and then being told that they could n't close on time, we went with another company. We really could not afford to start the process all over again with another company, we did not have many options.
Product: Debt collection

Southwest Credit Systems on XX/XX/2022 started report on my credit report. This is not my account
Product: Credit card or prepaid card

my original loan amount was for about XXXX, that was a year ago. I called the bank today to see if I could have that 'accumulated ' amount reduced or eliminated. I was advised that it was not possible. This started out as a relatively small loan for an engagement ring for my fianc, and I was making regular payments for the life of the load up until now. I called on XXXX occasions and spoke to XXXX different representatives and I was advised that there were no options. I used to hold a regular credit card with Wells Fargo but I paid that off and closed the account because I do not care for their business practices. But for this particular purchase the vendor only used Wells Fargo for purchases of this kind. I would like to launch a formal complaint, in pursuit of a resolution regarding the XXXX interest charges. I am willing to pay off the original balance in full but I refuse to pay the interest on this this item as I believe is unethical and mounts to modern day usury. Please let me know if you have any further questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation.

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your help. 
I just got my Equifax credit report online. I linked to a company from my credit union website, and ordered it from there. 

Equifax has my last name listed with an incorrect spelling. It lists my last name spelled two ways, but the incorrect way is the name that is listed at the top of the report. 

I have never had any other name than the one I was born with. They have added an " XXXX '' to the end of my last name. 
There also is at least one account that I do not recognize. A car payment loan from XXXX, and I can not recall ever having a car loan in that period. It's possible, but it looks wrong. 
Mostly, am concerned about the incorrect spelling and I'm wondering if someone else may have used my name to open things. I have not yet gotten the reports from other credit report companies and wonder now if I should get all 3 at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated immediately for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Date opened XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account number # XXXX XXXX Account number # XXXX this is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( XXXX ) proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, I transferred {$60.00} from my bank account to Coinbase in exchange for a total of XXXX XXXX 

After the receipt of my money, coinbase exchanged the XXXX and then locked my account pending " ID verification '' to which I have provided multiple times. Because of this lock, I have no access to my XXXX, which now are valued at {$320.00} ( as of XX/XX/XXXX ). I have made multiple attempts to contact Coinbase and they have closed my support tickets 4 times without any word or assistance. 

They have effectively scammed me out of my money and are refusing to get into contact as to what's going on.
Product: Checking or savings account

3 times in the last 90 days my debit card had to be blocked because of unauthorized charges. 
I have legitimate transactions being flagged and get a text and the point of purchase then I have to resubmit the transaction. That can be as little as {$25.00}, then i look at my text that is when I see it.

I had 3 fraudulent transactions totaling {$4700.00} all processed from the same fraudulent source! 
I contacted the bank and they didn't give me a provisional credit and they told me they have up to 90 days after they said they did mark it as fraud. They said the " back office ' can't tell them when I will get my money back. I think that is beyond unprofessional!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding AFNI , Inc. claims I have a charged off, closed account in the amount of {$2300.00} that was apparently opened XX/XX/2018. I am writing to advise you that AFNI, Inc. is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching AFNI, Inc. on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX is not bonded in the state of Texas. I am requesting AFNI, Inc. immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Lost my job, Veros credit seized the car, sold at an auction. For eight months they are charging me as if I still possed the car. Reporting each month to my credit report. I receives threathing calls from them daily. They also threatens to send letters to my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you