23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Aldous & Associates P.L.L.C. regarding a debt they are attempting to collect, which I do not owe. The details of the complaint are as follows : Aldous & Associates P.L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$120.00} The agency is attempting to collect a debt related to my former membership with XXXX XXXX, but I do not owe this debt. I fulfilled all my financial obligations to the gym, including any cancellation policies on XX/XX/year>, I did talk to a XXXX XXXXXXXX and asked is everything else I need to do and he said I was all set and I do not need to do anything and good to go. returned the key fob and everything. Months later I received a collection mail from Aldous & Associates P.L.L.C that I owned the debt from XXXX XXXXXXXX, I have tried to call the XXXX but they just keep put me on hold and said that the XXXX is not available or have a meeting. I believe this collection attempt is in error and may be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have already disputed this debt directly with Aldous & Associates, explained to them what happened and requested a debt validation on XX/XX/year>. Which is they must provide the following included Amount Of the Debt including any interest, fees, or other charges, Creditor 's Name, Verification of the Debt, Statement Regarding My Rights. 
And I received a mail from them on XX/XX/year>. It was just a amount of debt that I own {$120.00} with no details of any interest, fees, or other charges and a copy of my agreement with my old gym without my signature. Their rights to collect the debt. And didn't show my cancellation form. since I did everything in person at the XXXX by the XXXX told me. 

This situation has caused me considerable stress, and I am concerned that the false debt XXXX be reported to credit agencies, damaging my XXXX XXXX and reputation. I am seeking your assistance in resolving this matter, as it appears to be a violation of consumer protection laws. 

I request that the CFPB take the following actions : Investigate [ XXXX XXXX XXXX XXXX ] for improper debt collection practices. 
Ensure that all collection activities are stopped until the debt is properly validated. 
Ensure that any negative information reported to credit bureaus regarding this alleged debt is removed.
Product: Credit card or prepaid card

I went to a car mechanic shop where misdiagnosed my truck.The owner of the shop has diagnosed my truck with lifter issue because of my truck is ticking excessively.The oil pressure was low and they claimed that the oil pressure sensor has to be replaced and the oil pressure will return normal.They have been working on my truck for 5 weeks and I got back truck in worst shape than before.I can not drive it at all.The low oil pressure light is on after few minutes of driving.If you are driving a car when the oil pressure light is on you can ruin the engine right away..I went back to the shop but they refused to fix the problem.I went to another shop where they diagnosed the truck has a bearing issue thats why the lifters are making the noise and thats why the oil pressure is low.They did work on the truck what it should have not been done at all.My truck needs a new engine.The shop who charged for the repair offered me to readjust the mileage on my truck and I can sell it for more.They offered me an illegal solution for my problem.They could not fix the problem thats what their solution.They charged me XXXX $ for work what it has not been done at the first place.They pulled me in to do the work on the truck after that they did not leave me with other option just replace the engine.They misdiagnosed the problem and thats why I filed the claim with my credit company.I was not satisfied with the service.My credit card ruled against me because this people threw a few fake bill claimed that they did more work on the truck and I just paid for the parts what they installed.Who did the work? I thought whatever parts you installs you are responsible for that.I spent XXXX $ for the parts and XXXX for the labor and my truck is not drive able at all.I have been without my truck since May and I am looking at engine replacement.
Product: Debt collection

My name and information has been in XXXX, XXXX data breach my information has been shared in over XXXX XXXX XXXX I recently pulled my credit report and noticed inaccurate information, there are several medical bills associated with credit report that I have no knowledge of
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 Account XXXX XXXX, XXXX  Account # XXXX, 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
Product: Debt collection

I Have Sent This company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of Pa. Please have this company cease all collection activities this is my last attempt to complain outside of court.
Product: Credit reporting or other personal consumer reports

I had been a customer for 20 years. XXXX XXXX is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to 15 people both XXXX XXXX and XXXX XXXX XXXX  within a month and recorded 9 hours of phone calls. I was refused to provide XXXX contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for 1 hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then XXXX XXXX XXXX XXXX XXXX XXXX lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my 3rd online check from my bank, also XXXX XXXX. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from XXXX XXXX  and buying anything. The next step is to file a fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in Identity IQ. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

XXXX ( part of XXXX  XXXX ) held a CD funded by my mother before her death. My sister and I filed a claim as beneficiaries. XXXX received and processed the claim, my portion was roughly {$2500.00} and they mailed a check on XX/XX/XXXX via certified mail. On XX/XX/XXXX it was scanned in a regional post sorting facility, and supposedly sent on to my local post office, but it was never received there. I called XXXX on XX/XX/XXXX to report the check lost. I was told I had to wait XXXX  days before I could file a claim to have the check re-issued. I received a document to have notarized stating that I did not receive the check. I completed the document and sent it back via XXXX overnight mail on XX/XX/XXXX, but the documentation says I still have to wait XXXX  days. As of today, XX/XX/XXXX, the post office still says the certified letter is " in transit '' between the regional sorting facility and my local post office. I feel that once they have received the documentation back confirming I have not received the check, and confirming the post office shows it not delivered after over a month, which they can verify themselves at any time by checking the tracking number on the certified letter, asking me to wait XXXX  days is excessive. The check can be cancelled and reissued at any time.
Product: Debt collection

I tried to validate and dispute the debt. The company refused and claimed that I owed {$3900.00}.
Product: Credit reporting or other personal consumer reports

Tonight, I was disheartened to discover inaccurate bankruptcy entries on my credit report, and I have no explanation for their presence. I checked my report like I usually do, only to find these unexpected discrepancies. Refreshing my browser didnt help, and the incorrect information remains. Im extremely upset by this and urge that the documents Ive provided be carefully examined to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

sent multiple dispute letters to Experian, XXXX, and XXXX to verify that this was my debt. They have not responded or removed these 2 accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently consolidated my student loans. I had closed student loans on my credit and could not contact a particular company to verify anything because they are now closed, and some seemed to be showing up multiple times ( as it seems they were duplicated? And accounts get sold, etc ). It was the ORIGINAL COMAPNY that I took the loan out with. So, since I am trying to clean up my credit and figure out where everything is at and can not verify anything with them, I disputed some ( but Experian wouldn't let me do them ALL because they were DUPLICATED!!! ) And explained that they have been closed, they latest one since was canceled in 2011, the company is closed, I can't verify any information, I have since consolidated everything, with that and because of the time frame I want it removed from my credit. INSTEAD they update my report the NEXT day saying they closed it, everything is permanently and remains the same and as of last month those loans belong to the government. All of the information stayed the same. The open date. The close date. The amounts. But the updated date changed. And my credit score drastically dropped! I sent them pictures of the national loan data base showing them ALL my student loans and that it in fact was closed, and that All of them are in fact XXXX balances except one, the open that I consolidated. It SHOULD be removed it is over 7 years old and they COULD not have verified that from a closed company! They LIED. how did they get that information in 24 hours from a closed company, or the government? They have everything they need from me to update and remove it and raise my score accordingly. They are damaging my credit for no reason. For accounts that were opened 10/ 8 years ago, and are currently consolidated. There is no reason for it. What they're doing is fraud! The only thing I can think of is them getting there information is from my national loan data base is it has a date ( of last month exactly like they put, too ) that said interest owed. But they obviously did not do their research to see that its closed and the balance is XXXX! They're did not investigate properly at all and are ruining my credit more when I am trying so hard to raise it and move forward with me life.
Product: Mortgage

Freedom Mortgage Freedom Mortgage XXXX XXXX XXXX XXXX. XXXX  XXXX For Information/ XXXX TX XXXX XXXX IN XXXX Notice of error XX/XX/XXXX Received notice of 100 % Tax Relief and scanned and e-mailed Freedom XX/XX/XXXX Freedom although being notified there would be no taxes due sent XXXX XX/XX/XXXX City of XXXX  XXXX sent Tax bill for XX/XX/XXXX reflecting {$0.00} tax due XX/XX/XXXX Sent notification of error XX/XX/XXXX Freedom sent acknowledment on Senior 100 % exertion for XXXX XX/XX/XXXX City of XXXX  XXXX acknowledged transmittal of Tax refund as follows : Check # XXXX Bulk # XXXX Amount : {$1400.00}. 
Although it has been 7 weeks since notification, and Freedom has monies in possession They said processes require they retain funds until XX/XX/XXXX. 
I am under the impression that they are taking unrequited advantage. 
Attached is documented with dates of everything described above
Product: Debt collection

In XXXX I switched phone companies from XXXX XXXX XXXX to XXXX. I paid my last bill in full to XXXX XXXX XXXX. I called and verified that I was clear of all debt and account closed, XXXX XXXX XXXX confirmed this. Within 1 year I received letters and phone calls about a XXXX XXXX XXXX dollar debt owed to XXXX XXXX XXXX that went to collections. I do not remember the name of the first collections company. Again i called and confirmed with XXXX XXXX XXXX and they told me they we're in no way associated with the collections company and that i owed nothing. 
Eventually after tons of harassment and me telling them I spoke with XXXX XXXX XXXX, they stopped. Now around 6 months or so ago, a new collections company is calling daily, sometimes twice, and has sent mailers as well. AFNI, is the name of the company.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realize that i had damages on my credit report according to the fair credit law 15 USC1681LAW there should not be any damages on my report. Its a defamation to my character. And this is a federal law violation. This have me emotional and stress now XXXX XXXX XXXXXXXX
Product: Debt collection

XX/XX/XXXX Credence Resources has reported on my credit a balance of {$470.00} without any notice. I am requred by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit. I deny any ownership of this supposed debt. This is the second company to report on my credit regarding the same amount in which on XX/XX/XXXX and XX/XX/XXXX was removed for lack of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Nissan regarding a late payment XX/XX/XXXX that wasnt late since I found out it was put on all 3 Credit Reports.

There was a computer glitch when I hit the submit button. But I did not know it didnt go through. Until they called me on XX/XX/XXXX. I am fully XXXX and I was just getting out of the hospital when they called me. I have never been late from XX/XX/XXXX to XX/XX/XXXX. I will be forwarding you some information that shows you. 
My monthly routine and I cant understand why they kept insisting that I was late. Instead of looking at my payment background. Knowing I never made a late payment. Please look into this matter because honestly I cant take fighting with them anymore. They put to my XXXX   on my XXXX. Im was to sick and have XXXX XXXX  XXXX to take any further action with Nissan anymore. 

Thank You and XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

My rewards Visa credit card from Wells Fargo was stolen or illegally used on XX/XX/XXXX. There was 13 transactions of a total of {$990.00} used. Unfortunately short after I reported, the bank declined the claim. I reopened the claim with a police report on XX/XX/XXXX.
Product: Debt collection

XXXXXXXX XXXX XXXX  account was agreed into settlement in XXXX at a balance of over {$10000.00}. The collections agreement was to make {$200.00} payments for a year and the collections would be closed with the rest being XXXX XX/XX/XXXX. I Paid all required payments totaling about {$2400.00} directly to the collection agency. The collection agency sold it again and again without my knowledge until I attempt to purchase a home and find out it's still on my credit report. Was sold to a Moore Law Group which started a lawsuit and then served my old address I have not lived at in over 3 years. In the due process I received from the courthouse it states in the court documents they served someone described as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/XXXX the individual who served the papers is named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Which I am very obviously a woman. A judgement by default was then filed against me XX/XX/XXXX that I was never aware of and had already paid off. I have mailed Moore Law Group a letter in XX/XX/XXXX requesting information and stating that the account was paid in settlement and I do not owe said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several different occasions by phone, email, and mail requesting a validation of this account along with original contract and wet signature showing in fact that I opened and that this account belongs to me after receiving an email that this account had been sold to XXXX XXXX. XXXX has stated they do not own or no longer has this account but reporting on my credit report. and has not supplied the original contract or wet signature for this account and I have contacted XXXX XXXX and they have closed the file and not seeking collections on this account. So If XXXX is not the owner of this account why are they reporting it if XXXX XXXX is the owner of this account and they have stated they are not reporting it to the credit bureau and has closed the case.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My now deceased ex boyfriend stole my information and opened 2 credit accounts under my name from XXXX XXXX  in XXXX. I have disputed these with portfolio recovery numerous times. They harass me constantly and I'm always having to block new numbers they call me from.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I am filing this complaint because my mortgage loan was allegedly originated or transferred to Lakeview Loan Servicing , LLC, and then subsequently sold or transferred to XXXX XXXX XXXX, without my knowledge, consent, or signature on any mortgage loan agreement with Lakeview. 

At no point did I sign a mortgage loan agreement with Lakeview. I was never informed that they were involved in my mortgage transaction. I only became aware of their involvement after receiving documentation indicating that my mortgage was sold or transferred to XXXX. 

This raises serious concerns including : - Possible fraudulent assignment of my mortgage loan - Lack of transparency and due process - Unauthorized transfer of servicing rights I do not have any records, disclosures, or signed agreements that show Lakeview as the originating or servicing lender. Therefore, I am confused and concerned as to how they obtained rights to my mortgage and were legally able to transfer it to XXXX. 

This situation has caused confusion and distress as I am unsure who truly owns my mortgage loan and whether my rights as a borrower have been violated. I am worried about legal implications, especially if I am being held accountable under a loan agreement I never consented to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting I owe thdm {$2800.00} on my credit reports this is my last attempt for them to take this off my credit reports before I sue them and the agency 's reporting this account on my credit reports never made these chargrs not mine