23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Firstly, I received no debt validation letter or a notice for the transfer of debt. Secondly, they sued me and won judgement and afterwards I asked for email communication only. THEY CALLED ANYWAY. Thirdly, I asked for the original agreement from them which I NEVER signed up for WITH " THE MOORE LAW GROUP '' and for the debt validation letter I was supposed to receive 30 days before any action was taken on their part. I also reached out to the attorney general for my state and they told me that they couldn't help me because the Moore Law Group operates out of California and not Colorado. Even though they have an office and employees here. ITS BEEN OVER 30 DAYS OR SO AND I'D LIKE TO DISPUTE THIS AS SOON AS POSSIBLE. I'VE RECEIVED NO COMMUNICATION SINCE THE JUDGEMENT PASSED VIA EMAIL AS I REQUESTED.
Product: Debt collection

About a year ago the collection agency XXXX XXXX XXXX XXXX started trying to collect a debt that I settled. 
I explained that it was settled about 5 years ago. I now have a complaint summons from them, that they have started a lawsuit. I consider this harrasment and should be delt with as illegal activity by them. Not only are they violating the statue of limitation on debt they have not shown me proof of any title or assignment. They last time I paid to this card was more than 7 years ago before I started the settlement. I have seen that they have been reported to you many times for the same activity.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have a Capital One credit card for about 4-5 years and have other credit cards as well. In the past 3 years, I have other credit cards, such as XXXX, XXXX, XXXX and XXXX XXXX and in those past years, I have been getting credit limit increases all the time without a problem since I have excellent credit. As being a Capital One customer for about 13 years, I would feel that they would give it to me with no problem. That is not the case. I have been declined 11 times in the past 3 years for every reason possible, to ; not enough experience with current credit line, which I had for over 3 years already, not enough payment to the account, which I pay way above the minimum payment and too many obligations, which I do, but my debt to income ratio is very low and I feel disgusted that they throw any excuse not to raise my credit limit. I have called multiple times about this and Capital One response is that they can't do anything, it's too bad. Now, I feel this is discrimination, in that they just don't care about me and ignoring the facts that I have excellent credit, excellent payment history and enough experience and they throw every excuse at me and now I feel this is discrimination. If this is not resolved, I will close all my checking, savings and all my other accounts with them since they do not value me as a good customer.
Product: Debt collection

A few days ago I requested my credit report and I was surprised that this American Account Adviserds company was reporting information on my credit report without first verifying the account and without notifying me about this charge. If I did not open my report, I would not find out about the existence of this account, which is total abuse against me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX All Accounts Have Violated My Rights.

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

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On two separate occasions ( XXXX XXXX XXXX ), there have been attempts to open checking accounts in my name with Bank of America. It is impossible to get a hold of Bank of America through their automated phone numbers because you have to have an account number with them to proceed, which as evidenced by the denied emails I don't. 

Once I finally got a hold of a person no one was able to verify if anything had gone through and honestly I don't blame the person on the phone, but the fact that this company can not based on my information confirm or deny fraudulent accounts being opened with my identity is very concerning. 

I do not think Bank of America should be allowed to let people open accounts without some form of verification.
Product: Checking or savings account

XXXX XXXX XXXX XXXX. XXXX XXXX. XX/XX/2019 XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX To Whom it may concern, On or around the XX/XX/XXXX, I notified B.O.A fraud dept. Of possible online bank fraud involving my business bank account. I was told by fraud dept that the online transactions in question would be addressed and funds would be placed back into account immediately and if Bank of America found that my claim wasnt legitimate then funds would be taken back upon discovery of fraud on my behalf. 
Funds were never put back in my account and I received a written statement from investigators that my claim had been denied and there was not sufficient evidence to support my claim. 
On XX/XX/XXXX I went to the police station and filed a report regarding this matter and gave names of possible individuals involved in my B.O.A claim. These unauthorized charges include ; *XXXX XXXX  purchase *XXXX XXXX XXXX  XXXX *XXXX XXXX XXXX  money transfer I have inquired on my own and and found evidence that leads me to believe that 1 or more of the persons in the original police report is the same person ( s ) who made fraudulent purchases to begin with. I was able to discover screen shots as well as names and addresses of people who committed the fraud. 
1. Screen shot of person other than myself inquiring about my business bank account as well as my personal account as well. 
2. Screen shot of shipping address of persons that may be responsible for fraudulent purposes. 
3. Screenshot of XXXX XXXX XXXX  that was purchased by same person that made XXXX  purchases confirmed by staff at XXXX. ( contact info of staff I talked to regarding this matter ) On XX/XX/XXXX faxed evidence of said purchases to B.O.A. fraud department and again went into B.O.A. Branch with said evidence and had a representative of the bank fax copies of evidence to fraud team. 
( XX/XX/XXXX -B.O.A did put money in my account and then immediately took it out ) As of XX/XX/XXXX my claim has been reopened due to my diligent efforts and investigating on my own and my persistence in the matter. 
I have told B.o.A from the beginning that the fraud was done by individuals who have never represented my company and has assured me that i would be made fully whole while the process was investigated and that never happened. I had expressed on several occasions that I am a new company and my funds being held up for over 30 days would put my business in jeopardy. I have gotten evicted from my office at this point and my belongings are being held as collateral. I believe B.O.A. has not held up to their responsibility to my company in their attempts at resolving this matter in a timely manner because my time in pursuing this matter has cost me a great deal more than just a monetary value that i am trying to retrieve which has led to stress and frustration and has taken a toll on my health. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received an updated credit report and noticed inaccurate accounts reporting. 

CCS Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX -- -- XX/XX/2016 XXXX  -- XXXXXXXX XXXX XXXX XXXXXXXX These are not mines and need to be blocked and removed from my credit repor! 
I contacted each company and they said they removed but the bureaus arent removing for whatever reason. I sent proof and the foreign people at bureaus arent ever helpful. 

In accordance of the Fair credit act the list of accounts and letters sent to the ftc and bureaus shpid protect my rights. 15USC 1681 C ( A ) ( 5 ) AND 604 ( A ) AND IT STATES IT CANT DO ANTTHING WITHOUT MY CONCENT! pLEASE REMOVE THIS INFO AS IT ISNT MINES THANKS. I AM ME I AM NOT A CREDIT AGENCY SO DONT TRY AND SEND THOSE STALL LETTERS ABOUT A CREDIT COMPCLINIC CAUSE IT DONT RELATE TO ME. NO TIME TO STALL LETS UPDATE AND BLOCLA ND REMOVE THESE ITEMS PLEASE. THANKS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a mortgage on my credit report from Carrington Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help me!
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and XXXX while negatively impacting my financial wellbeing.
Product: Credit reporting or other personal consumer reports

I have checked my account on XXXX XXXX to make sure my payments went through. The credit report on XXXX XXXX notified me that there is a change in my report. My credit report went down drastically because my on-time payments went down from 100 % XXXX %. I was confused because I had always made my payments on-time, and decide to investigate. 

The account was named JPMCB CARD SERVICES. I never opened an account with them nor it belongs to me. It has happened to me before and has damaged my report. It was reported on XX/XX/2023that I missed a payment on my card. I had called XXXX XXXX before, and they had only reported it as fraud. It says the age of the account is 4 months old, but I never opened one and never been associated with JPMCB and/or Chase. It also says that the on-time payments are 75 %, but I had always made mine 100 %. I had gotten the alert on XX/XX/2023. It states that the last payment made was XX/XX/2023.
Product: Debt collection

XXXX XXXX has once again turned over an account to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Please see the attached documentation of the same account that XXXX XXXX has submitted to various credit reporting agencies over the last three years. This is an ongoing problem. WHY DOES XXXX XXXX Continue to knowingly and willing report incorrect information to various collection agencies? Why is collection agency refusing to verify the information with XXXX XXXX. 

Upon giving my SS # to the above credit reporting. The agent on the phone asked if my name was " XXXX XXXX ''. I have never lived in Louisiana or the area where " XXXX XXXX '' resides. My name, as I have stated to XXXX XXXX multiple times in writing in the past three years is XXXX XXXX. I am in good standing a XXXX XXXX customer today. The agent ( in a recorded call ) furthermore said that I should report this situation as identity theft. I have had no other attempts by anyone to use my identity to open other accounts. This is clearly a case of poor and possibly fraudulent collection practices by XXXX XXXX. Please see all the attached documentation from many past attempts to collect money on the same erroneous account information.
Product: Credit reporting or other personal consumer reports

I request a copy of contract with my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Freedom Mortgage is holding my escrow overage in the amount of {$1200.00} until I bring my account current. They have explained to me that I need to bring my account current to receive my escrow overage but did not indicate the minimum amount total to bring my account current.
Product: Credit reporting or other personal consumer reports

I was recently a victim of identity theft and it could be due to the data breach at XXXX where I previously worked. This unauthorized use of my personal information has led to several fraudulent activities including the opening of the unauthorized accounts : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I had my credit ran at a local dealership and it still showed that I have a car loan on my credit from a car I no longer have.
Product: Debt collection

I request that RADIUS GLOBAL SOLUTIONS LLC # XXXXformally substantiate account data RADIUS GLOBAL SOLUTIONS LLC conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RADIUS GLOBAL SOLUTIONS LLC desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. There is no name associated with this file & needs to be deleted due to inaccurate information XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I applied for a mortgage refinance with Quicken loans. They made two hard inquires on XX/XX/XXXX and one inquire on XX/XX/XXXX. I talked to Quicken and ask why they made three hard request in two days they could not explain. I ask them to please remove all but one and they said they could not. This affecting my credit score and I would like to get this resolved.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, which is Subserviced by LoanCare, entered my mortgage into forbearance in early XXXX due to hardships that we were experiencing due to the COVID pandemic. I requested to come out of the forbearance ( terminate forbearance ) over 6 months ago ( XX/XX/XXXX ). We paid 3 months of trial payments and was supposed to be given loan modification documents to sign and get notarized. Since then, LoanCare has purposefully delayed the processing of my loan modification documents. In XX/XX/XXXX, they finally sent the loan modification documents to me at the correct address, but my wifes name was incorrect on the loan modification documents, so we could not process ( notarize ) those documents ( they erroneously used her maiden name ). Since XX/XX/XXXX, we are still waiting for LoanCare to re-send the corrected loan modification documents back to us ( with correct names on documents ). We have spoken with at least 15 different Customer Service representatives on 15 different occasions. All promise to have the corrected documents expedited to us so we can finalize the loan modification and get our mortgage out of a forbearance status. Until this day ( XXXX XX/XX/XXXX ), we are still waiting for LoanCare to send us the correct documents ( its been almost 3 months since the incorrect documents arrived ). Because we have not received the corrected set of documents, we are unable to proceed with finalizing the loan to bring our mortgage loan current. The delays have caused undue hardship and financial damage to our family. We have to relocate to another state and our home still being in a forbearance status is impeding our ability to purchase a new home. In addition, the forbearance remaining in our credit reports is costing us additional money due to increased interest rates on our lines of credit. 

We need LoanCare to overnight mail the corrected set of documents to us so we can sign them and get them notarized ASAP. We asked them to email the documents and we would even print them ourselves, but they refused to email the documents as well. Taking over 6 months to get us out of our forbearance is excessive and giving the appearance of intentional fraudulent activity. Each day that our mortgage remains in a forbearance status, is another day my family is hurt by this company and its excessive delays in processing our loan modification documents.
Product: Debt collection

MY spouse received a call XXXX/XXXX/18 on her personal cell phone with this company stating they need a call back. They will be out to my house or work with some documents that will need a signature. Called back found out there are a collection agency acting threating to serve papers if balance is n't paid. I am also bothered they called my wife & discussed my debt she is n't even on & left a voice message on her phone threating to serve me with a wage garnishment.
Product: Mortgage

I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017. 

I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything. 

PLH continues to delay my opportunity to refinance my mortgage, again costing me money. 

Thank you.