23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

portfolio associates keeps calling my house several times a day not leaving messages but some how has my phone number ive blocked them and still they get thruit is really getting annoying that they keep callingim on the national do not call list but they keep buying my phone number some how
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 that you, TransUnion, XXXX, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent false and inaccurate information consists of a car loan opened with XXXX XXXX  on XX/XX/XXXX for {$16000.00}, a credit card opened with XXXX XXXXXXXX on XX/XX/XXXX, an account with XXXX opened on XX/XX/XXXX, and XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report including the following inquiries : XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, and XXXX XXXX made on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. These accounts were not opened made or initiated by me. all of these accounts are the result of identity theft and fraud. i have attached a copy off my ftc identity theft criminal complaint # as proof from the us federal trade commission that all of these accounts collections and hard inquiries are the result of identity theft and fraud. My FTC identity theft report # is # XXXX
Product: Bank account or service

On XXXX XXXX the company performed OpenRoad Lending a inqury on my report. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round.They say things such as it was made on XXXX, placed online. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to login into my trans union acct and check report. It wouldnt let me so I called and they told me someone else is connected to my ss #. Someone named XXXX XXXX. Idk what to do and they didnt help at all said they would get back to me but they havent and this stopping me from being able to verify my id with other things in my life. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  REPORTING INCORRECT BALANCE INFORMATION ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXX Mortgage. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

payment history involving Cross Country Mortgage is incorrect. The months will be listed below. 
XXXX XXXX - XX/XX/XXXX. 
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.
Product: Credit reporting or other personal consumer reports

Ive obtained a copy of my credit report and noticed the following to be errors. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX ( XXXX VIOLATION ) XXXX ) XXXX XXXX  Under XXXX XXXX Code XXXX XXXX, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 DAYS of dispute. This looks like XXXX XXXX XXXX as well, which is a XXXX violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. 

XXXX shows an open account as well. I DO NOT HAVE ANY CONTRACTS WITH ANY OF THESE COLLECTION COMPANIES.
Product: Debt collection

My Experian credit report I keep getting a collections charge that I do not owe with the originator name as : ATT Mobility. The collection agency name is Credence Resource Management, Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, TXXXXX. They opened this collections account on XX/XX/XXXX. Account Number stated as : XXXX But I have been having XXXX as my mobile service provider. I called XXXX  XXXX  and inquired whether I owe any money to XXXX  XXXX  with my phone number : XXXX  confirmed that there is no such account that starts with XXXX and there is nothing due on my name. 

Since XXXX XXXX, I started having this fraud collections account activity appearing every year in my credit file reporting collections due as {$270.00} to {$290.00}. This year they reported it is reported as {$290.00}. When I called Credence Resource XXXX on XX/XX/XXXX around XXXX EST. XXXX XXXX XXXX XXXX. There was a person with XXXX accent picked up the phone and when I explained that I don't owe any money to XXXX XXXX, then the agent agreed to mark this as a fraudulently opened account. Unfortunately I have shared my last 4 digits of social and my address for verification and they said they will be removing this fraud collections account from my credit file. But I have not seen this fraud collections account removed. 

I have reported experian and opened a dispute. XXXX  has suggested me to file a complaint with Consumer Financial Protection Bureau. 

I got to know when I am applying for homeloan and due to this fraud collections entry, now my bank has increased the interest rate and APR and initial delivery fee significantly. I always pay all my utility bills, credit card bills and all car loan EMIs and all the payments promptly. Since there is no record of my account with XXXX  XXXX  how can I pay and remove this fraud collections entry from my credit file. 

I have also reported this to XXXX XXXX and working with them to write to all three bureaus requesting them to remove this fraud collections entry from my credit file. 

Having said that I clearly see my SSN and my home address and home number has been hacked by some fraud, who is misusing it and damaging my credit score.

When I searched about Credence resource management review in XXXX, I saw similar comments and bad experience from numerous people. I would like to request you to take action against this fraud people who is using credence resource management to do this fraud activity. 

Thank you.
Product: Debt collection

Credit Solution Has called me 8 times since XX/XX/2017. I know they have called me many, many times before that. Even after I have told them that the person does not live here. I do n't owe anyone money. This is harassment and I want it stop by any means necessary.
Product: Credit reporting or other personal consumer reports

XXXX is reporting negative on credit report have asked Experian to dispute information they have not done that. The account was never late or charged off
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXXXXXX
Product: Bank account or service

My ex boyfriend threatened me with a knife and went to jail on  XXXX / XXXX /  XXXX  . He then proceeded with the help of his niece to make  XXXX  fraudulent charges to my  XXXX   XXXX   XXXX  debit card.  XXXX  charge was for  XXXX  to  XXXX  on  XXXX , the second charge was for #  XXXX  to  XXXX  on  XXXX . I opened a dispute and they are claiming I am the one who made these charges when I did NOT. I asked in writing for the dispute to be reopened and I want the money refunded to my debit card asap.  XXXX  all of my information and stole it. This is identity fraud/theft.
Product: Debt collection

CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF
Product: Debt collection

Dear sir/madamI have disputed this debt from ESCALLATE for so many time now but ESCALLATE stated that they were told to continue collecting the false debt from me without providing any proof of documentation to show that I own this debt. Account number XXXX I copied this account number from my XXXX credit report.. 
I do n't own any MEDICAL BILL to ESCALLATE LLC or any of it 's affiliates or so called original creditor. I am requesting a further investigation to this matter and also ESCALLATE LLC have to provide proof of documentation concerning the debt. example the document or documents I submitted when I seek for the care from the Original creditor. 

I BELIEVED THEY GOT MY ADDRESS FROM THE DESPUTE I SUBMITTED
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a demand letter to Advantage Credit because they were ask to do a credit supplement and when they called the company to correct the ignored the info given and the dates of the info. They hung up on me a number of times and are not willing to correct the wrong info.
Product: Student loan

According to the Navient settlement, I should be filing this complaint I believe. I had a bunch of Navient loans, and I filed bankruptcy in XXXX. I was advised I could not put my loans on my bankruptcy.. I was denied consolidation and forbearance of my loans due to my debt to income ratio, that coupled with the sheer number of the loans that it took to complete my education. they also somehow kept many of my loans out of default, despite me not being able to make payments on them since the minimum monthly on each equaled more than my monthly income. I ended up with several loans registered as current, that had not been paid on since XXXX HOWEVER, several of my loans DID go into default, and the lenders consolidated with a debt collector, rather than me, and then garnished me for years, which they continued to do for MONTHS after the federal freeze on student loan repayments due to Covid they mustve garnished me an additional 4 to 6 months at least after that student loan repayment freeze. I was making XXXX an hour and paying over XXXX a month in garnishment due to both the loan repayment, coupled with their debt collectors fees, because they simply refused to consolidate for ME when I tried.. that wasnt good enough. I also should mention the entire duration of my four-year degree I was receiving Social Security XXXX, and had been since the late 90s?. Im about to file for a second bankruptcy now due to what these loans and garnishments have done to the REST of my lifes debt.. theyve impact EVERYTHING, not just themselves. Ive been denied housing, dental care, My dog has been denied medical care.. ALL because of them.. and thats just the tip of the iceberg that stuff people dont think about I cant even do scratch pay because of them..
Product: Debt collection

I was on the phone with Shepherd Outsourcing and I expressed concerns about whether or not this was a legitimate phone call because the number who was calling me was different from the number listed on their website ( common tactic apparently ). After expressing my concerns, the supervisor who was on the line said, " Sir I know everything about you, your social is *** ** **** and your current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX She said both my social security number and home address out loud in a call center where other people could hear and possibly compromise my identity. With this information, someone can easily compromise my identity. In my entire life, I have never heard a company verbalize my full social security number. Most companies say, " can you please verify the last 4 of your social security number? ". But not this agency. This agency decided to play by their own rules and make me extremely uncomfortable as a consumer. I want a phone call apology. I want to know that this will not happen again and that the agent knows they are in the wrong. I am sick of how this company treated me. I paid my debt off with them and they still won't apologize for potentially compromising my identity. Please let me know next steps. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Detail Material. 

In XX/XX/2019 XXXX , XXXX incorrectly reported my loan as being past due. The issue related to their incorrect calculation of the proper escrow amount due. 

XXXX has since acknowledged the error and said they corrected the reporting to the 3 credit bureaus. 

TransUnion still does not report my payment history correctly.
Product: Debt collection

I am XXXX and was living in my car. XXXX XXXX XXXX and XXXX XXXX XXXX repossessed my car while inside a grocery store, leaving me living on the streets.
Product: Checking or savings account

In mid XX/XX/2022, I was notified by my Homeowners Association ( HOA ) that three of the ACH autopays for dues ( XXXX, XXXX and XXXX ) that should have originated from my Wells Fargo ( WF ) checking account had been voided on XXXX XX/XX/2022 and therefore my account was delinquent. The HOA management is adamant that these payments of {$350.00} each, never reached its account. 

After trying to resolve the issue by telephone with WF, I made an in person appointment at the XXXX XXXX branch on XXXX XXXX to explain the situation and try to get information from WF 's side on the payee and other details of the missing payments. The banker I met said that he would try to get the appropriate details. After not hearing from the branch for several days, on XXXX XXXX I called the WF customer service toll-free number and filed a formal claim ( nr. XXXX ). XXXX, XXXX XXXX, the banker that I met on XXXX XXXX telephoned me to inform me that my claim was being followed up and I would soon have news. 

XXXX, XXXX XXXX, I checked the web page for my account and since it said that no claims were outstanding on my account I called again WF customer service who confirmed that a claim was open. They transferred me to the claims department and after a long wait, I was told that the claim was being closed because the deadline of 60 days had passed and no information is available on the transactions in question. 

I told the WF claims rep that to address their negative answer I would file a claim with the CFPB.
Product: Credit reporting

I had a XXXX XXXX XXXX XXXX account that was opened in XX/XX/XXXX and paid in full and closed in XXXX XX/XX/XXXX. This account has always been paid on time. I viewed my Trans Union Credit Report and this account has some negative remarks.
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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing once again to inform you that I have been a victim of identity theft. It appears that my previous requests to dispute unauthorized items on my credit report have been disregarded. This inaction is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent off certified letters to both the collection agency, Conserve and the Original Creditor XXXX XXXX XXXX College in an attempt to resolve this matter but have received no response. XXXX letter was sent to Conserve on XXXX XXXX, 2017 requesting a response within 30 days to resolve the matter. After I got no response I sent a letter to the original creditors XXXX XXXX College Business office on XXXX XXXX, 2017 again  asking if we could have the matter resolved in 30 days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXXXXXX XXXX XXXX  Account Numer : XXXX XXXX XXXX Account Numer : XXXXXXXX XXXX XXXX  XXXX Account Numer : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX