23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter claiming that I owe {$350.00} from Aldous & Associates P.L.L.C. on behalf of XXXX XXXX XXXX. I found out that XXXX XXXX XXXX is a business that is associated with XXXX XXXX. I called XXXX XXXX, and the company said that I didn't owe them anything. I had gone by the XXXX XXXX store in XXXX and cancelled out my service. At that time, I made all payments that were owed including paying off a Hum, the cancellation fee on my cellular phone, and paying off a tablet on the account. Suspiciously, after not receiving any bills in the last 2 years, I received a letter from Aldous & Associates P. L. L. C. in early XXXX. Perhaps, payment records were lost due to Covid-19. We went by the XXXX XXXX  store and talked to XXXX on XX/XX/XXXX. She said that due to the age of the account that she did not see any record of the account. She said that the letter looked suspicious because XXXX has their own collections department and typically does not use attorneys to collect their bills. She said that the account number did not look like the traditional XXXX account numbers either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Comenity card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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 XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern at the CFPB, My name is XXXX XXXX and I'm filing this complaint Against the three credit bureaus XXXX XXXX XXXX and experien Who are playing with my credit report. I have submitted documents letting them know that these accounts are not mine and I want them off My report promptly because these accounts did not have the right information In regards to me Information Like the correct spelling of my name and the address I lived and the phone number I have. These companies have used my information fraudulently without my authorization. the first account is XXXX XXXX card and the second company is automotive credit. I have no relationship with these companies and I want these companies to remove their accounts from my credit report immediately. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXX XXXX XXXX XXXX who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.
Product: Credit card

My complaint is on Macy 's card services for their department store credit card. Over the past ten years I have cancelled and reopened at least XXXX Macy 's accounts because they pull the same fraud every time. They send out invoices every other month. If you charge something in the month not invoiced, they automatically carry it over to the next month, where you get an invoice that includes a {$27.00} late fee and an additional interest charge. It is a scam. For years I 've paid them but I 'm sick of it. They need to be fined and ordered to stop this fraudulent process. Attached is a copy of my latest bill. I charged items in XX/XX/XXXX, they sent no invoice in XX/XX/XXXX and sent one for XX/XX/XXXX with {$31.00} in fees on a {$190.00} charge, more than XXXX %. Think of the free money they make on people who do n't bother! Every time I call they take the charges off and then do the same thing again. This pervasive, fraudulent practice needs to stop now! ... XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Aldous And Associates XXXX South XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. Aldous And Associates, XXXX : {$120.00} XXXX. XXXX XXXX XXXX, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter.

Thank you for your time and understanding. 

Yours faithfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On MondayXX/XX/XXXX I tried ( all day ) to place a freeze on my TransUnion credit report. ( I successfully placed a freeze on my XXXX and XXXX early on that day in a matter of minutes ). I tried both on line and through the voice system at XXXX. When I would get through to a person they would tell me I had to order a credit report online from TransUnion because I had n't ordered one since XXXX and prior to that XXXX. I actually tried on order a TransUnion on line credit report and answer their identity questions - when it would get hung up and keep asking me a nonsensical question and then eventually said they were experiencing technical difficulties??? ( I actually order a TransUnion credit report later in the evening over the phone with XXXX at XXXX. ) TransUnion said they needed me to order the credit report on line in order to confirm my identity since they could not access my information. However they were obviously looking at my information since they knew when I had ordered prior reports!!!! Again I had earlier placed freezes with the other two credit reporting agencies with NO problems. I eventually ended up getting told to call several different numbers at TransUnion XXXX, XXXX, XXXX, XXXX. Every time I reached someone they said they could n't help me unless I ordered a credit report online. They said they could n't verify my identity unless I ordered the report?? However they obviously knew who I was because they sent me several emails referencing an order # and telling me to contact them at XXXX if I would take the offer at the bottom of the page for a subscription credit monitoring service for $ XXXX. I already have credit monitoring through XXXX because of previous security breaches at XXXX, XXXX XXXX and the State of South Carolina and I know that as a Georgia resident over the age of XXXX I am entitled to freeze my credit report for {$0.00}. All I want is for TransUnion to place a security freeze on my credit report just as the other two agencies have. I know TransUnion is trying to sell me their services but I do n't want them and I certainly would n't order anything from them after this run around.Thank you for your assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX but I found out that you have closed my Complaints last XX/XX/22. I sent a letter to the XXXX Credit Bureaus dated XX/XX/22 to update this suspicious account : XXXX XXXX Balance : {$7600.00}. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card has nothing to do with me. Never asked for have or used this credit card. Not mine. Yet they say its been verified. NOT. I HAVE NO IDEA WHAT THIS BANK IS. AND HAVE NEVER received ANY information or card from them
Product: Mortgage

I was interested in refinancing. I was given details and provided information to get rates and an estimate. When I told the person that I would think about it, they became aggressive and not willing to take no for an answer. I asked for more details via email and ended the phone call. I now receive at least 4 calls per day from Rocket Mortgage and when I ask to file a complaint, I am placed on hold and then the call is terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Today XX/XX/18 I was notified by 3 emails of someone applying for a payday loan from check into cash. This was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For whom this concern, I have been really pissed the XXXX off to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the Cornell site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the hell off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX, Experian and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My loan was transferred to Nations Star Mortgage from XXXX XXXX XXXX I believe in XXXX. XXXX XXXX XXXX was involved in a lot of predatory lending complaints and issues when it sold my 80 % loan to Nations Star Mortgage. I was told by various representatives when I call them over the phone in XXXX not to worry about a company called XXXX who supposedly bought the 20 % Loan from XXXX in XXXX, but in actuality, my XXXX loan was modified and approved through XXXX XXXX XXXX XXXX and I have written proof and the approved loan docs stating that the modification was approved and all documents were received by XXXX XXXX in XXXX and that the 20 % Loan was written off, and that I was no longer responsible for it. I still have XXXX documents from XXXX XXXX ( this mortgage lender is known for misconduct with their previous loans for the XXXX XXXX XXXX and is no longer in business ) stating that I was only responsible for the 80 % loan of $ XXXX. So from XXXX until present, I have been paying my mortgage on time to Nations Star Mortgage. From XXXX until XXXX, I have never been asked to pay this $ XXXX that XXXX XXXX XXXX is saying I owe all of a sudden, nor was aware that I was still responsible for this amount when I have a letter stating that amount was written off from XXXX in XXXX. 
So when I contacted nations star mortgage and made them aware that I have rented out the house in XXXX after I got married, I started to receive letters and notices of XXXX XXXX XXXX trying to foreclose on my rental property. I was shocked and confused to say the least. I have raised my family in that home since XXXX when I first bought that home, and was saving this home for my children and their children. 
When I called Nations Star various times to confirm or to see if this XXXX XXXX XXXX XXXX reached out to them, they said that they have NOT and NOT TO WORRY ABOUT THEM, THAT THEY COULD NOT FORECLOSE ON MY PROPERTY! 
There were various times and I know that the calls were recorded and that there were documentations of my conversations, and now the second bank has foreclosed on the property, Nations Star mortgage is n't doing much to help me or try to give me more time to hire an attorney and get this figured out. I am 3 months behind on the mortgage because the tenants are n't paying me rent anymore, and are paying XXXX XXXX XXXX rent on a $ XXXX home and my tenants are under the impression that they are paying on a {$40.00} foreclosed lien on my property at XXXX XXXX XXXX XXXX, GA XXXX. 
I was extremely shocked that this has happened and I really need some assistance with nations star mortgage.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i submitted disputes to XXXX for reporting the wrong addresses on my credit profile, I've Called and sent letters on XXXX XXXX to have these items updated and they are still reporting in accurate information on my credit report. They are also reporting misspelled names.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am trying to pay off my balance on MOHELA I have called multiple times and they all mention that the payment can take more than 5-7 days it has been more than 3/4 weeks the payments has been failing I been receiving emails mentioning I am behind my due date but none of my payments are working causing my loans to go up i tried to pay everything on time but it is causing trouble for my payment to go though I tried to do auto payed but it does not let me either the company and the people I speak to says the same thing it been way to long and my loans going up I am just trying to finish paying my balance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my XXXX and paid or paying as agreed on my TransUnion, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXXXXXX XXXX. This account is also reporting open on my TransUnion, and closed across the other XXXX bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update my account.
Product: Credit reporting, credit repair services, 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 account # XXXX XXXX XXXX XXXX and Department of Education/XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I really need someone from the  executive  office to return my call.  XXXX   XXXX ,  XXXX   XXXX  or his assistant. No one from Bank of America will help me. When I ask for a supervisor they hang up. Simply because she is in the Merrill Lynch branch. I called back and  XXXX   XXXX  said he did try to send his supervisor but advised that his supervisor would be too busy to call me back. I wanted to complain about the unprofessional behavior of  XXXX   XXXX ,