23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX {$400.00}
Product: Debt collection

My son and I received a final " move out '' bill on XX/XX/2019 for {$520.00} from the apartment complex that I cosigned for him and his girlfriend to live in. 

My son gave the apartment complex a money order for that exact amount ( {$520.00} ) on XX/XX/ 2019. The apartment complex cashed that money order on the same day. 

We received a letter from a collection agency on XX/XX/ 2019 that we stilled owed this money. My son and I both called the collection agency numerous times as well as the apartment complex to explain this was already paid and each place told us to call the other company ( collection agency referred us to the complex and the complex referred us to either the collection agency or the management company ). We both called the property management company of the complex that hired the collection agency who referred us back to the complex and/or the collection agency. Basically nobody claimed they knew anything about our payment or would help us find out where our payment went. 

My son was contacted via telephone by the collection agency and was threatened that if he didn't pay the amount over the phone immediately they would report it on his credit report. Even though he knew he already paid it, he paid them another {$530.00} on XX/XX/ 2019 with his credit card ( under my account ) over the phone. The collection agency had added an extra fee of {$5.00} to the original {$520.00} that was already paid back in XXXX. My son is only XXXX XXXX XXXX and was scared not to pay again. He had no prior dealings with a collection agency and they did not explain what he should do to prove he did not owe this money. 

Not only did we not owe this money anymore, but now the collection agency took it from my son again with an added fee on top of the original amount. 

I called the collection agency to get a refund, and they told me to send an email to a specific email address with a copy of the money order receipt that was originally paid. 

I sent an email on XX/XX/2019 to the exact email address the collection agency gave me including the copy of the original cashed money order. I did not receive a response from this email. I sent a follow up email on XX/XX/2019 with no response. I called them after receiving no response from my emails and they said they do not respond to emails. That is odd since they were the ones that told me to send the email. They told me it normally took approximately 30 days to process. After 30 days with no response, I called them back and they said the person I sent it to no longer works there. They then said I should mail the proof with a certified letter to their Compliance Dept. 

I did send a letter to their Compliance Dept requesting a refund on XX/XX/2019 including proof of original payment on XX/XX/2019 and the payment they took from my son again on XX/XX/2019 and still did not get a response. 

Thank you for your assistance in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting an account, XXXX, on my Experian Credit Profile. This account is not mine, never been, mine, and was applied for and opened by using an address I have never resided in a city 40 miles from where I've resided since 2002. Additionally, I do not know anyone at the address used to fraudulently apply for an open this account, nor did I authorize anyone to fraudulently use my personal information to apply for and/or open any account with XXXX XXXX XXXX XXXX 
I have tried several times to dispute this account as fraud, but Experian refuses to remove it. The account was sold to a third party and a court dismissed the matter due to lack of evidence that the account belonged to me. 
I have disputed this account both with Experian and XXXX as fraud, provided a Police Report, A Notarized Identity Thieft Affidavit, a driver 's license issued during the timeframe in which the account was applied for and opened showing I did not reside at the address that was used to apply for an open the fraudulent account with XXXX XXXX XXXX XXXX I have also provided court documentation showing that a court dismissed the case brought against me by the third party that XXXX Sold the account to. Yet, neither Experian nor XXXX will remove the account from my Experian Credit Profile. I have asked repeatedly to see the documentation/evidence supporting the reason ( s ) why XXXX refuses to remove the fraudulent account for nearly 4 years now and have never received a thing, NO SUPPORTING EVIDENCE FROM XXXX XXXX XXXX XXXX.
Product: Debt collection

LJ ROSS ASSOCIATE is reporting to the credit agencies I owe them which I the consumer is making a statement " This is an alleged debt I does not owe '' I am requesting a validation of debt, Your license that states you have the right to collect this alleged debt in the state of Illinois, also any contract you may have between you and I with my signature. according to the law 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

However I did not consent to this company Furnishing my credit report, I don't have any agreement with this company who gave this company the right to contact me, say I owe them, and the right to collect? this is a violation to the FCRA, also the FDCPA. 

I respectfully appreciate the time of you acknowledging and investigating my complaint, and please investigate properly and remove this from my credit report.
Product: Debt collection

I was never contacted by Aldous & Associates about my debt. It was not until the Fall of 2023 that they first contacted me by phone and I asked them to send me information about the debt ( which had been sent to collections in XX/XX/year> ) and they claimed they would send me information but this never came. Because they didn't contact me I assumed there was a mistake, but when I applied for a loan and was denied I realized the debt still in collections. I had to get a credit report to find out who the debt was with and then call them to request information about it. The person on the phone said it would not be worth disputing and that he was sorry it happened and then asked me to pay in full. It is not an unreasonable amount, but I was given no information about this debt at all, which solely falls on the shoulders of Aldous & Associates. I know they are making a profit from my debt so the least they could do is help me to reach a settlement.
Product: Credit reporting

I forwarded to Equifax a copy of the ID Theft report as well as a detailed letter outlining various accounts which are not mine and are a result of ID Theft. The credit reporting agency ( XXXX XXXX and other staff in the Executive Services ) took my information and treated my ID theft report like a normal dispute rather than treat it as ID theft and failed to block the information from my report within five days under FCRA 604b. I contacted XXXX several times over a month and she said that she will not block any information from my report and that the creditor has 45 days to respond and if they verify the accounts will remain on the report. I told her I would like to invoke 604b and she said that she will not do anything under 605b. I also reconfirmed that they had receipt of the ID Theft report and still they participated in willfull non-compliance. I also asked for the verification method used and they did not provide this, I then asked for the exact proof such as an application or any other hard documentation and Equifax did not have a hard copy of anything to provide to verify the validity of these accounts. Ithen asked for physical proof and not just a computer automated response and again Equifax could not provide this. Equifax seems to be going on a computer generated system or the word of a person rather than hard physical proof such as loan documents or any other hard proof and thus they are incorrectly reporting negative infomration. The lawyer I consulted with said that Equifax must provide proof at this time and that proof must be documents and not automated documents. The documents needs to show signatures of the consumer to show that any reporting is that of the consumer. Further more, there are several accounts that I have been battling over in this Identity Theft for seven years and yet these accounts are still on my report, this is clearly a violation of the 7 year rule. I infomred them that I never received any result to date, however, the items that are not mine and were part of the ID Theft report and claim to ID theft are as follows : XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX and XXXX XXXX. Each time I contact Equifax, there are a million and one excuses. There are even several inquiries which are not mine and I identified them to Equifax, however, there excuse is whether or not they were authorized that they are still going to remain on my report. Equifax clearly violated the FCRA and I was infomred by an attorney to make this complaint to add to the three years of documentation I have against Equifax for willfull non-compliance. This is the last straw before legal action is taken and this according to the attorney will serve as proof that I officially complained through a Government agency. Thank You.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Care credit has damage to credit by reporting wrong amount own. I was almost done paying my loan. When I lost my job and went to hardship. Got very XXXX  and XXXX work to for ever. I was only {$800.00} left. So I called them to close account and make payment of {$58.00} until i was done. because I was low in money and bill where just stacking I make 3 payments of {$58.00}. What was my surprise the smack me with {$3000.00} when I only own them about {$600.00} because i did payment of {$100.00}. So I called them why did the loan was less than {$600.00} why did the report to credit company 's the wrong amount. Called the 10x and never got a answer. So I told them I wasn't making more payments until the fix that amount! Until this day they keep bringing my credit score to XXXX when I had XXXX score. I'm been stressing calling credit companies with no luck. This company has Destroy my life! Opportunity! Had stress me out mentally.
Product: Mortgage

My home was foreclosed, and the servicer Select Portfolio Servicing ( SPS ) out of Utah, did not adhere to the homeowners bill of rights. It is as if it does n't matter to them. I never spoke to the point person that you are entitled to have. The servicer never tried to work something out with me. 
Additionally, ( SPS ) engages in dual tracking, which is another violation of the Homeowners bill of rights. I have an inherited property that ( SPS ) is now trying to foreclose on. They are not specific with their instructions when they send out a modification packet, however, when you send the required documentation, they become specific, and document it as they did n't receive it, but the truth is, they would not accept it. By the time you send the documentation the way they want it, other documentation has expired, causing you to have to resend it. This is a trick, because they will place a sale date on your property in the process, and say if they do n't receive the documentation your property will go to auction. They then sell it to a XXXX party to clear their books. Now your recourse is not with the servicer but the third party, that may or may not know what is going on. When my primary residence was sold, I discovered that XXXX actually held the note. When my primary residence went to auction, it did n't sell and became an XXXX and from XXXX to XXXX I was going into XXXX asking them to reconsider what had been done, except, XXXX could not identify me either by Social Security number or Loan number, I spoke with the branch manager, by the name of XXXX XXXX and he called his back office. I had been fighting XXXX for 6 years because they created the default, and for 6 years they were unable to foreclose on my home legally, so XXXX simply sold the loan to ( SPS ) and it is clear their only goal was to foreclose on my properties, and decided to engage in illegal activity, as well as ignoring the homeowners bill of rights, because nobody is regulating it. I would like to see this illegal foreclosure reversed and my property returned to me. My case is further complicated because my properties are in private label security loans ( PLS ). the financial institutions have no intention of working with homeowners with principal reduction, however, are willing to sell them to speculators at a discount and displacing the homeowner, I have information that the speculator that purchased my home, has a non-profit in XXXX XXXX CA, and yet between he and his wife have recently purchased XXXX properties in XXXX XXXX CA, in XXXX zip code, XXXX of them on my same block, he has no desire to live in these properties, just wants to flip them to make money, this is not fair to homeowners. When I was notified that ( SPS ) was the new servicer, I informed them that their were unresolved issues with another financial institution, they replied, they have no say so on which loans they service.
Product: Debt collection

I reviewed my credit report and noticed that Senex services was reporting several debts owed by me on 1 or more of my credit reports. I have no knowledge of these debts so I disputed directly with the credit bureaus and their response was that the debts were verified as belonging to me. After several attempts requesting the bureaus provide me with verification and no success I requested directly with Senex that they validate the reported debts. They failed to do so but responded with the attached letter stating that " per my request they will no longer attempt to communication with me ''. However this was not my request it was actually for them to communicate with me and let me know what proof they had that this was a debt that belonged to me, was accurate and they were able to legally collect from the person that owed the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO INSURANCE ACCOUNTS " XXXX XXXX XXXX '' AND " XXXX XXXX '' WERE OPENED IN MY NAME LAST YEAR AND HAVE SOLD DEBT TO " XXXX XXXX XXXX. '' I AM DECLARING THIS IDENTITY THEFT AND FRAUD PLEASE INVESTIGATE I HAVE ALREADY SUBMITTED POLICE REPORT. THANK YOU
Product: Credit card

I applied for an American Express Gold Card. When I applied they were offering {$250.00} for subscriptions. Before buying a plane ticket I called American Express customer service. The lady that replied said I would get the bonus of {$250.00} at the time I receive my statement. I proceeded buying a plane ticket. The statement arrived and no - {$250.00}. I called them. They said they will raise this issue with the finance department and let me know. For nearly two months I had to deal with this issue. They treated me terribly. I asked them for the transcripts of the phone call. They never gave that to me. They have everything in the system and they never were willing to really do their job. Many phone calls from my side. After that I started writing them in the chat service. At least that is written down so I can share that with you. 
All I want is the money they promised and never fulfilled and another complaint I have is that they never sent an email to me about the status of my complaint. I had to call or write in the chat several times. This is very concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigations brought upon Equifax I find my consumer file has benn responsibly tamperered with. Over the past few months I have made SEVERAL attempts to remind Equifax of their duty pursuant to 15 USC 1681. I feel they are intentionally and willfully being neglectful in remedying my affairs. 15 USC 168E [ B ] states I am due promised accuracy in my report based on federal law. XXXX has stated they have verified the account of XXXX XXXXXXXX XXXX with Account Number # # # # # # XXXX. On XX/XX/XXXX I have requested VALIDATION of this account and as of today 's date XX/XX/XXXX, I have not received it. I am again requesting VALIDATION. I am requesting Equifax provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPPA ) authorization they obtained. This is NOT a request for verification as they have stated they have verified the account, but a request for VALIDATION made pursuant to 15 USC 1692g et seq of the Fair Debt Collection Practices Act ( FDCPA ), Since they stated they verified the debt I have requested Equifax provide me with the following information obtained : The HIPPA-covered entity or its business associate provide debt validation for the account in question. 
The debt validation in the form of agreement, original bill and a detailed statement of procedures is required ; if any. 
A breakdown of fees including any collection costs and medical charges, if any. 
A copy of my wet signature with the provider of service to release my medical records to you. 
A report of comparative analysis between the dubious signature and the signature recognized by the alleged signer ; if any. 
A verified certificate of authority, and proof that the company is licensed to collect debt in North Carolina. Include license number, registered agent or agent of service. 
An affidavit signed Penalty of Perjury that your organization hasnt violated any portion of the FCRA, FDCPA, HIPAA.

I informed all parties withholding the information received from any medical provider in an attempt to be HIPPA compliant can be a violation of FDCPA because they would be deceiving me after my written request. I request full documentation of what they received from the provider of service with the alleged debt
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2020, Macy XXXXs reported a late payment for a store credit card. I requested that the late payment be removed from my credit report as the account has been paid in full, and is currently in XXXX relief status, during which time late payments should not be reported. However, the late payment is still showing on my credit report. I would like to request that this be removed.
Product: Debt collection

Actions taken by me : In XX/XX/2021, I became aware of this collection by NCB Management on my credit report. I had received no letters, phone calls, or any other forms of communications from NCB Management pertaining to this account. 

The alleged debt 's original creditorXXXX XXXX / XXXX XXXX has never ever been on any of my credit reports as a credit account. There was never a credit inquiry for the alleged debt. 

In XX/XX/2021, I had sent a debt validation letter to NCB Management. ( see attached letter ). 

In early XX/XX/2021, I had a letter stating that they failed to validate the debt, as they had not responded to the debt validation letter. 

In late XX/XX/2021, NCB Management responded 45 days later. NCB Management responded with what appears to be an online application, loan history, and payment history. 

The information contained fraudulent information, such as a fraudulent address in Michigan, XXXX XXXX XXXX, XXXX XXXX, MI 3which I have never used nor lived at in my entire life. 

Upon receipt of response, I called and spoke with XXXX XXXX to inform him the debt was not mine and he argued with me. 

I followed up with an Identity Theft Report, once I found other fraudulent items opened in my name. The other fraudulent issues have been resolved. 

NCB Management has been taking their time on this matter. Additionally, NCB management has mail being forwarded from their XXXX, PA address to their XXXX, PA address, which is delaying mail even further. 



See attached document : Written Correspondences to NCB Management Tracking Numbers Validating Written Correspondences to NCB Management USPS Tracking Information For Letters Sent to NCB Management This debt is not mine. I have also highlighted the issue for the CFPB to see on the attached information received from NCB Management.