23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Aldous & assoc for a debt in the amount of approx. {$260.00} for XXXX XXXX. I called XXXX XXXX and was told to call XXXX. I called XXXX XXXX XXXX said call Aldous & Assoc. I went on Aldous & Assoc website to see what this was about and to get more info. Aldous website gives a phone # for contact but does state it wont take emails. So I called Aldous. I told them the situation. The Aldous rep stated I needed the cancellation to XXXX in writing which I dont have because I cancelled in person at the gym in XXXX XXXX.So when I called Aldous & Assoc their Rep explained to me I had to send a letter in writing requesting info on this reported debt. I asked for them to send me any paperwork, bill, contract they had so I could see this debt for myself and decide what to do. Rep told me their debt collections letter was the official paperwork I needed, and it was Aldous and Assoc policy for me to request more info like actual bill or something to show this was actually my debt in writing only. I asked again for them to send me something and was told no I had to request info in writing. Aldous Policy is not MY Policy and not the LAW! 

I am here now requesting all billing contract and correspondence between me and XXXX XXXX as I dont have any business or legal contract with Aldous & Assoc and I dont just send money to people that send me a letter with a debt amount and say pay us this money or we will report you to credit reporting agencies. Aldous & Assoc seem to only follow their own internal Policies and not Federal or Utah State laws regarding debt collection. Also at the end of our conversation Aldous & Assoc who was rude and yelled at me, told me you have a {$260.00} bill PAY YOUR DEBT! then hung up!! after that phone conversation i went online and saw Aldous & Assocs have many negative reviews and complaints about them. They seem very shady. They also threatened to send my info credit bureaus. I tried to find a physical location of this company but theres only a PO Box . I found some info online about this company on glass door from former employees apparently its in a basement somewhere.
Product: Credit reporting or other personal consumer reports

XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XX/XX/XXXX I had requested validation of these debts from each company and have asked the credit reporting company to remove these accounts because they are not mine. They have just updated some with XXXX balance and are still willfully reporting this information where it has been released to my current employer as well as caused me to not qualify for property. I was also informed my information was apart of sever breach with XXXX and department of health. I have since filed an identity theft report ( reference # : XXXX ) with the FTC which I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2024. I mailed my FTC Report, License and police report to XXXX, Experian XXXX.
Product: Credit reporting

I have already disputed on XXXX but I did not get a final response.Now I see the same problem on Transunion. Idid not close my account and opened a new one. Thanks Please fix this issue. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is on my report but it does not belong to me. I have given a police report & completed the identity theft report for this fradugelent account. I keep informing Experian that this is not mine but they continue to keep this account on my credit report. XXXX XXXX XXXX XXXX account XXXX does not belong to me & do I have any knowledge of this account or gave any company permission to open an account in my name.
Product: Debt collection

I HAD MY 3 CREDIT BUREAU 'S REPORTS AND THEY SHOWING FRAUDULENT CLAIMS POSTED IN ALL CREDIT BUREAU 'S 1 FROM AWA COLLECTION FOR {$280.00} FROM INSURANCE THAT I DO NOT HAVE AND I DO NOT OWED ANY MONEYS BUT ACTUALLY CREDITS BECAUSE THE RENTAL INSURANCE PURCHASED IN XXXX WAS CANCELLED IN MID XXXX AND I PAID THE 6 MONTHS DOWN PAYMENT THAN 4 MONTHLY PAYMENTS BECAUSE THE INSURANCE GOT CANCELLED IN XXXX AS I MOVED AND I DID NOT NEED IT THE RENTAL INSURANCE ANYLONGER BECAUSE WE PURCHASED A HOME AND WE HAVE THE HOME OWNER INSURANCE SINCE XX/XX/XXXX ACTUALLY THIS INSURANCE OWED ME A CREDIT I WANT THIS FALSE DEROGATORY FRAUDULENT CLAIM REMOVED FROM ALL CREDIT BUREAU 'S IMMEDIATELY THIS WAS POSTED XX/XX/XXXX XXXX XXXX XXXX  POSTED A FALSE FRAUDULENT CLAIM FROM XXXX XXXX WHEN WAS PLACED IN BANKRUPTCY AND MY XXXX CLEARED ALL MY DEBTS. 
THE FRAUDULENT ATTEMPT IS FOR {$590.00} THAT I DO NOT OWED I WANT THIS FRAUD TO BE IMMEDIATELY REMOVED FROM ALL THE CREDIT BUREAU 'S Also ALL FALSE UNTRUTHFUL ILLEGAL INQUIRIES SHOWING IN ALL CREDIT BUREAU 'S ARE FALSE ARE ALL UNATHORIZED AND FRAUDULENT I WZNT EVERYTHING REMOVED INCLUDING MY BANKRUPTCY FILED IN XXXX XXXX 9 YEARS PASSED BY NEXT MONTH WILL BE 10 YEARS I WANT EVERYTHING REMOVED BECAUSE IS AFFECTING MY LIFE IN AN EXTREMELY BAD WAY. 

PLEASE REMOVED ALL THESE FRAUDS THAN I WILL PLACED ALERTS IN ALL CREDIT BUREAU 'S... to PROTECT MYSELF FROM ANY ABUSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX XXXX ACCOUNT # : XXXX, XXXXXXXX XXXX  ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The fraudulent accounts in question have not been acknowledged or authorized by me, and their inclusion on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, resulting in fraudulent accounts tarnishing my credit history. It has come to my attention that despite multiple attempts to rectify this situation, the fraudulent accounts continue to be inaccurately reported on my credit file. I find it deeply perplexing that your agency continues to ignore my requests for the removal of these fraudulent accounts. The other credit bureaus have acted diligently in response to my dispute, and I fail to understand why your bureau is not complying with the law and industry standards. 

XXXX XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXXXXXX XXXX XXXX .... -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX .... -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

I demand that you promptly conduct a thorough investigation into the matter and take immediate action to remove the fraudulent accounts from my credit report. Failure to do so will leave me with no choice but to escalate this matter by filing a complaint pursuing legal action to ensure my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The company Genesis FS Card Services is stating that I owe them {$1700.00}. there has only been purchases of {$970.00}. I don't see where they say they have credited me {$1700.00}. these are false statements and there is no purchase in any of the areas that show this much money was being used or has been used for any purchases. The statements are vague and they don't have all information theinformatin for XXXX and XXXX which statements we're not correct. 

The company was notified twice during the month of XXXX and XXXX about the incorrect balance.There was no feedback during this time that gave me the satisfaction that what was being said was true. There are no purchases or changes of any service or items that match the amount the company is saying I owe them. The true balance shows within their web page portal and dashboard.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX XXXXhich falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$400.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX. XXXX, # XXXX, XX/XX/XXXX, {$340.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX. XXXX, # XXXX, XX/XX/XXXX, {$1600.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX. XXXX, # XXXX, XX/XX/XXXX, {$1200.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX. XXXX, # XXXX, XX/XX/XXXX, {$3000.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX. XXXX, # XXXX, XX/XX/XXXX, {$1700.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$720.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. XXXX. XXXX, # XXXX, XX/XX/XXXX, {$1000.00} REASON : This account is a result of Identity Theft. Please remove this account from my report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I went to purchase an open car hauler. They were offering rent to own for the unit I was looking at. Filled out the application and it was declined due to my drivers license ( XXXX  ) was too worn to read. I just paid cash for the unit. List price was XXXX. I received a XXXX discount and ended up paying XXXX cash for the trailer. Filled out the paperwork for the tags and title then brought the trailer home. I received the title XXXX  days later. I never financed anything. I received a call over a year later from the 3rd party collection agency and I was told that I owed XXXX ( not sure the exact amount she said ) on the trailer. I asked how could the trailer that was allegedly financed go from XXXX to XXXX if I didnt pay anything on this alleged loan. I was told that there had been a stolen vehicle report filed and it was in XXXX  or XXXX  something like that. I asked who was the one who filed the report because Im  the registered owner and I had sold the trailer in order to purchase an enclosed trailer which better suited my needs. She couldnt answer the questions. She volunteered to send me a copy of everything she had in my file. I asked if the said contract had approved or declined on it. She just repeated that shed send me copies of everything. I contacted the gentleman that bought the trailer from me and he said someone had showed up at his place saying the trailer was in default. He went inside and retrieved the title and registration and presented it to the guy. The guy told him that it must be a mistake in the file and left. I never received a single piece of information that was claiming that I financed anything. Not to mention howd I had a title to the trailer. Because it wasnt financed. I dont have a clue as to why this is on my credit and impacting my life because of someone not doing their job.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

This company sent me a collection notice on XX/XX/2022 regrading an allegedly debt account. In my response, I sent back on XX/XX/2022 within the 30 day dispute period to ask for a debt validation, which is my legal right as a consumer. I received no response back from them. I then sent a follow up letter on XX/XX/2022 regrading this debt validation. Again no response back. I am no lawyer, but I do understand if I ask for a validation of debt, the collection legally have to response with proof of debt with a contract. Just this week, this collection agency has ignore my request to validate this debt and report it to the credit bureau.
Product: Credit reporting or other personal consumer reports

I do not typically carry a balance on this store card. However, In XXXX, XXXX, I did place a charge for what I recall was {$25.00}. The payment was due on XXXX/XXXX/XXXX and was considered late after XX/XX/XXXX. My mother was XXXX and I become distracted and paid {$25.00} on XX/XX/XXXX - the amount that I thought satisfied the full balance. The minimum payment amount was {$25.00} for that billing cycle and I thought that I had paid it in full. My mother passed on XX/XX/XXXX and on XX/XX/XXXX XXXX contacted me to let me know that a XXXX payment was due in the amount of $ XXXX dollars. I can not recall the exact amount and the company will not give me access to my e-statements at this time. I explained that I did not believe that I had a balance due with them and they explained that there was a late fee because of the XXXX payment. This did not make sense to me. Nevertheless, they readily removed the late fee and my balance was {$8.00} - the remainig balance from my XXXX purchase. I paid that on XX/XX/XXXX and the balance was {$0.00}. Never were my payments 30 days late and my credit report states otherwise. I want a restoration of my hard earned credit and perfect credit rating - especially since they reversed the late fee.
Product: Money transfer, virtual currency, or money service

I had an unauthorized transaction from my PayPal account for {$80.00}. I initiated a dispute resolution with PayPal but they rejected my claim stating that the payment appears authorized. It was not. I don't know the payee and did not make the payment. I have only had the PayPal account open for a few weeks. Each transaction I have made has generated an email to me informing me of the transaction. I received no email for this transaction and only noticed when I looked onto PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a bank account with Bank of America in XXXX ( checking and saving ). Few months later a former friend told me that he was paid with a check for selling his car and that he had used my account to deposit the check. I was NOT available to review the check or it being deposited into my account. A few days later I notice that my account had be closed down and later I learn that my account had been label and reported to XXXX and XXXX XXXX XXXX  as SUSPECTED FRAUD ACTIVITY. I called XXXX and disputed it and was unsuccessful, over the past year and few months I've called Bank of America and pled with them to please REMOVE this from my reports but they have refused to do so. Recently I've follow the dispute process with Bank of America and they responded with this response " Our review determined that we accurately reported your account to the consumer reporting agencies '' XXXX responded stating that " the source has verified the information as being accurate and complete. As a result it will remain on file at XXXX '' They has not given me any sufficient evidence indicating my involvement. For example I requested for any evidence with my signature, picture, or video of my involvement, instead they mail me just a portion of my bank statement. Let it be noted that there was no monetary lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this happened on XX/XX/XXXX - XX/XX/XXXX ... I heard about the major equifax hack so went to www.equifaxsecurity2017.com to see if my information was hacked. I was told my information was jeopardized and they recommended i sign up for their credit monitoring " XXXX ''. I found out afterwards that after a year you have to pay for the credit monitoring and that by signing up you agree to an arbitration clause possibly losing your right to sue Equifax. Both of which were no clear and hidden away in the fine print. Lastly there are also reports that when u sign up to see if you are effected the response you get is automated and may not be accurate. In short Equifax gets hacked, they possibly lie to you whether or not you were effected and then tell you to sign up for a paid service and then also make you wave your right to sue them. Ridicules..
Product: Debt collection

I never received notice of this debt, even ate disputing it with XXXX XXXX. Company has had 5 years to verify the debt and refuses to cooperate.
Product: Mortgage

Our property was damaged due to flooding on XX/XX/19. We filed an insurance claim, obtained county permits, and did all the work according to county standards. When we received the insurance check and our mortgage company ( Flagstar Bank ) was listed as a payee, we promptly contacted our mortgage company on XX/XX/19, opened a claim, and endorsed our insurance check and sent it to them. We promptly completed all necessary paperwork for the mortgage company, and were told that they needed to complete their own inspection before our money would be released. I was told by phone on XX/XX/XXXX that once the request was processed ( two days ), an inspector would contact us within three business days. When that window passed and I emailed the company to inquire, I was was told in writing on XX/XX/XXXX that the window was not three business days, but 5-7 business days. 

Today is XX/XX/XXXX and we still have not been contacted by an inspector. I have called our mortgage company multiple times and have been given various reasons why the inspector has not contacted us yet. They will not give us the number for the inspector or release any funds to us until the inspection has taken place and their report is submitted. They have stopped responding to emails and every time I call I have to wait on hold for a long time to be connected to a supervisor, as they have told me they have no direct number. In the meantime, this is causing extreme financial hardship for us because we paid out of pocket to complete all repairs in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX/XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.