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

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX Portfolio Services and Portfolio Services about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was XXXX My XXXX XXXX XXXX XXXX along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Someone was able to open up fraudulent accounts because they had all my info from the XXXX. The fraudulent accounts were opened up shortly after my XXXX XXXX XXXX XXXX and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket mortgage pull my credit without my consent and made a hard inquiry which lowered my credit score significantly. 

Date of unauthorized pull : XXXX
Product: Debt collection

The banks ATM took my cash shut the door with my money still stuck some of the bills were sticking out of the machine. I tried to get the bank to send out a rep immediately they then took several days to check the ATM. They got ahold of The company or other bank XXXX XXXX to do an audit but claim I was the last one to use it but how many people could have taken that money sticking out is untold. They gave me the money I told them it took and that if they counted less then I would be responsible for the difference. That difference was much more than what I deposited. They never offered to pay late fees as a result of them holding my money over XXXX before I had access to the funds.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 





XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # 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 of 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

Experian has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX Transunion has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I have asked Experian, XXXX  and XXXX  numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.
Product: Mortgage

We were placed in covid hardship program which we do not want. This is affecting our ability to get other loans. We have called the bank a dozen times to have them take us out of the program and the representatives keep telling us its a great program and we should be in it. They will not let us out and will not update our account and credit report. We call in each day and each time they tell us nothing has changed we are still in hardship and that we should be in it.
Product: Debt collection

My issue is with a company called Procol Inc, in XXXX Indiana. Ive many complaints about the owner and one who represents them during court proceedings. 

For one, they issue a summons but dont carry out the court in courthouse, but in building across street. Its not a courthouse and there is no notice or signs. In this Annex type building Procol has what seems to be permanent room, which you are not allowed to bring a lawyer or anyone with you nor record anything, I really feel its so hes not held accountable for what he says. 

I dont remember exact date atm, but I will look for it, but last time I met with XXXX XXXX he got to yelling very loud and told me to get out. He didnt want to setup another court date or accept the payment I had for him at the time. I tried to make sure that anyone in office up front would be able to witness and remember those events. It had been almost 2 years maybe and now it seems as of yesterday I missed two court dates. 

however- They had my upto date info and still send court summons to old address cause he knew I would not receive them til late. And he is very verbally abusive during meetings, often by being cruel and offensive based on financial and lifestyle situations. I remember how he yelled at me for being homeless cause of my fianc at time left me for another man so he made sure to let me know she was with someone else and it was absolutely uncalled for. Seems everyone that meets with this company ( Procol , Inc & Thomas Birk ) I apologize for not having the exact date of my last meeting, Im gon na attempt to find more info. 
I wish I knew of your services years ago cause it would of been helpful. 
Thank you XXXX XXXX
Product: Debt collection

Aldridge Pite Haan , LLP filed a civil lawsuit against me stating I am in breach of contract, but they did not provide a signed contract. Aldridge Pite Haan , LLP never notified me about the lawsuit. The date I was notified was the day the court server left the civil lawsuit in the door on XX/XX/year>. Aldridge Pite Haan , LLP failed to send me proper notification about the debt. They failed to notify me before filing a civil lawsuit against me. I informed my attorney I did not have the opportunity to request a debt validation because I did not receive any letters from the company. They used a billing statement as an exhibit. The billing statement they used as an exhibit did not have my signature, but they were able to file the civil lawsuit. I sought legal counsel to file against Aldridge Pite Haan , LLP and requested they provide an account ledger for the account. Aldridge Pite Haan , LLP emailed a letter with an amount and the name of the creditor without the account ledger proving the debt is owed by me. My attorney informed me Aldridge Pite Haan , LLP purchased the debt from the company. I informed my attorney, Aldridge Pite Haan , LLP had several complaints filed against them in regard to them adding additional fees to an account and I wanted to know how the total they claimed was calculated but they did not provide the debt validation and account ledger. They mislead the courts into believing I breached a contract with them, but I did not sign any contract with Aldridge Pite Haan , LLP.
Product: Debt collection

Capital one agreed to settle my account for a set amount. I accepted and allowed them to withdraw automatic payments until debt paid. Capital one withdrew all payments except the very 1st payment. I was unaware of this until a year later when the debt was still reporting as negative/derogatory on my credit report. Ive tried disputing this with no success.
Product: Mortgage

I was asked to provide a escrow cushion on my escrow account. Its not a new loan and I'm current on payment and not behind with property tax or insurance. I have been making payments and my loan was recalculated for increased property tax in XXXX of this year and now its increasing again for a cushion that I did not agree to or was told that after a year of payment I would have to give them a " loan '' called a cushion. I tried to say no but was told I have to pay them. The loan company is PPH LOAN SERVICES.
Product: Debt collection

Repeated calls from a debt collector to myself and my spouse during work hours. On XX/XX/2021 I answered a call from XXXX from Direct Management and was speaking to a woman who would not identify herself just who she was calling for and the debt she was calling about. After she explained her side she asked for me to set up an agreement to settle the matter which I never do over the phone since being a victim of identity theft. I asked for an itemized bill and their contact information so that I could set something up and woman began to repeatedly tell me me that I was trying to avoid paying my bill and put it off longer, and that she was going to make note of it on my account if I wasnt going to make an arrangement at which time I told her I needed her name and I wanted to speak to a supervisor. She didnt give me her name but transferred me to a supervisor. At first the supervisor told me it was XXXX XXXX and when I mentioned that to would be reporting the contact for being oppressive and harassing he told me it was XXXX XXXX that I spoke to. I then ended the call.
Product: Debt collection

I am a victim of identity theft and have been since XXXX. My social security number was used and is still being used to a person in XXXX XXXX FLorida, This person was able to obtain a drivers license, create credit card accounts, was able to and still is able to rent apartments and even own a business with my SSN. 
I received a debt collection bill indicating that I have not paid the apartment complex. I have never lived in XXXX XXXX Florida. This person also has skipped out on medical bills along with the balance owed to the apartment complex. 
Needless to say I am very bothered by this situation. I contacted National Credit Systems regarding the {$2900.00} outstanding bill that was reported and on my credit report. 
I filled out all of the paperwork requested and necessary to take this off my credit report since it is affecting my scores and my report. 
I sent a 109 page packet that included all information needed as proof that this identity thief has been using my SSN for their identity. I also included a copy of my Social Security card, birth certificate, marriage certificate, copy of driver 's license and IRS documents that have been cleared of my name. 
I reached out to National Credit Systems in XX/XX/XXXX to inquire if they had received my 109 page certified packet. 
Mr. XXXX XXXX the collections manager informed me he would help me, but as of today he has not come through. I called many times just as he requested and encouraged, but I have not received a call back. 
I wanted to know two things : if my package was received by him and if he sent the package to the identity theft department. He has not answered my calls after repeatedly leaving voicemails with him. 
I need the the debt that was not mine to come off my credit report. I feel violated. I also need to know if my sensitive information is at the identity theft department. 
This is unfair and I feel disregarded when indeed nothing has been done on the part of National Credit Systems.
Product: Credit reporting or other personal consumer reports

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

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I regularly review my report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Given this issue, I am requesting a thorough review of the documents I have submitted so I can put this concern behind me for good.
Product: Credit reporting or other personal consumer reports

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness.
Product: Credit card or prepaid card

I had purchased a XXXX travel club membership over 6 years ago. I haven't used the membership and thought it expired when I moved to XXXX from XXXX XXXXy and the credit card expired. Somehow XXXX XXXX was able to get my new credit card information for a card that has not been activated. I don't know how they were able to obtain this information and charge this card. I can't use the card, but they can? And I don't how they have the correct month and expiration date because I hadn't logged into that account in over 5 years. I tried to contact XXXX XXXX to question this and was placed on hold for over 30 minutes each time. This is illegal that they have this information, the card is still attached to the paper it came with along with the sticker on the card. I don't think a credit card company should allow a charge on a card that hasn't been activated. They stated I can't dispute the charge because it is pass the dispute time. I get paperless statements and never saw the charge because the card had {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. 
The incorrect information on my credit report is as follows : Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Dispute : This account is not mine, and I request its immediate removal from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Original Creditor : XXXX XXXXXXXX XXXX Dispute : This account is not mine, and I request its immediate removal from my credit report. 

Account : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX Dispute : This account is not mine, and I request its immediate removal from my credit report. 

Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$490.00} Dispute : This account is not mine, and I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempt to call in and have also sent in 5 letters to your company with all required documents to remove my FRAUD ALERT permanently but you guys have failed to remove it. I am getting exhausted and demand you guys to remove it immediately!
Product: Debt or credit management

I've never missed a payment and account setup wasn't clear understandable.
Product: Payday loan, title loan, or personal loan

My original monthly payment was {$420.00}. I made a lump sum payment toward the principle on this loan in the amount {$8300.00} on XX/XX/2018. I requested for the loan payments to be Re-Amortoized and this was done on XX/XX/2018. The payment due date was changed to {$150.00}. Sofi did the calculations for this loan as the lender. I was charged the {$420.00}. I called regarding this and they refunded this amount and started charging the {$150.00}. Sofi is now stating that I owe them a lump sum payment of {$810.00} on XX/XX/XXXX. They are trying to say that the amount they refunded me was not included in their calculations after the re-amortization and that I still owe that and the interest rate attached there to. 
Obviously, at the time they refunded, they did not state I owed that nor did they state it would accrue and recreate this lump sum amount. Loan companies do not just refund payments if it does not believe those payments were due. If the Sofi professional made a mistake in the calculations, that mistake should be construed to Sofi as the drafter. It is not my fault they made a mistake in their calculations.
Product: Debt collection

delta outsource is calling about a XXXX XXXX XXXX and i tried to explain ive never had this and they hung on me
Product: Credit reporting or other personal consumer reports

Submitted a dispute with XXXX regarding incorrect information on 2 tradelines from POSSIBLE FINANCIAL. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. XXXX claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. XXXX is clearly not paying attention to details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 certified letters to XXXX, XXXX, XXXX and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Product: Debt collection

Capital one credit card company closed account, charged off then sold it to XXXX XXXX XXXX, XXXX after account has been closed and discharged. I did not receive any notification about this until after I disputed the items on my credit report. It has been over XXXX years and now I am receiving notices in the mail almost every day. These accounts have been discharged and closed. I have disputed these items several times and they get put back on my credit report with a different date. These accounts are over XXXX years XXXX and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a XXXX  XXXX account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and XXXX XXXX card