23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank. 
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter. 

In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved. 

In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe. 

Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.
Product: Mortgage

Wells Fargo. This is my XXXX complaint. This time, no one will return my call to let me know what my monthly payment would be IF I decided to pay off the taxes that they paid for me in full.
Product: Credit reporting or other personal consumer reports

I have a mortgage for XXXX XXXX XXXX XXXX in XXXX, OH. I own it as a rental property. This mortgage used to be serviced by XXXX. Early this summer, it was transferred to Roundpoint Mortgage. When it was transferred, Roundpoint had the subject address ( XXXX XXXX ) as my mailing address instead of my actual mailing address ( XXXX XXXX XXXX, XXXX, OH, XXXX ). So, notices about payments were going to my tenants, not to me. As such, I ended up being months late before realizing what the issue was. I'm current on payments now, but the late payment is a negative mark on my credit that is preventing from qualifying for an important loan now. I have records that show that they did not accurately change my mailing address until XXXX of XXXX. I have called Roundpoint multiple times between XXXX and now and they have still not resolved the issue and removed the negative remark. I have sought to clarify that I am not disputing that the payments were late ( they certainly were ). I am complaining that I did not receive proper written notice from Roundpoint. I have also submitted disputes at all 3 credit bureaus ( just in the last week ) and am awaiting progress there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Student loan debt collector ( Sallie Mae ) Credit Reporting department in regards to reporting on my credit report. Requested under the Privacy Act, 5 U.S. 552a, to not disclose my personal information to any 3rd parties. Such as Affiliates, Non Affiliates, Joint Marketing, Credit Bureaus, any other companies. 

Sallie Mae sent me an email on XX/XX/2023 stating Your Sallie Mae loan listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX, XXXX reflect on my credit report Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

When I asked specifically for Sallie Mae not to report it. Why are the laws set in place if companies can just respond like this after asked not to. Especially when i am the original creditor. Also sent the company a letter in regards to dishonored negotiable instrument violations, if the negotiable instrument is not accepted then Sallie Mae is to discharge the debt, company refused both and no correspondence. Will be also sending this information to the IRS whistleblower.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}
Product: Credit card or prepaid card

I never got my credit for the dispute XX/XX/XXXX OF XXXX XXXX   Purchase On card ending in XXXX - {$25.00}, and I called y'all on the XX/XX/XXXX, I think it was, and the agent told me he would create a case for my issues so I can get the {$25.00} credit into my account, and someone will call me or email me on the XX/XX/XXXX but never emailed me or called me and I still never got my credit for {$25.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My ex husband lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX has for atleast 8 years. 
he opened a XXXX account under my name owing XXXX $ now on my credit.. 
The address above is on my report and so NOW is his delinquent account. I want it removed as he had NO PERMISSION to use my name as I have a perfect record with XXXX for 7 years at my address of XXXX XXXX XXXX XXXX NH ... I have spoken with XXXX who knows that this was fraudulent..They stated my ssn is NOT on that account as it is NOT mine.
Product: Debt collection

I see citibank {$770.00} reported from Citibank since 2017 1. ) I never had a credit card account with citibank 2 ) I don't owe citibank {$770.00} 3 ) THis is not my debt. I need this to be removed from my credit report as soon as possible. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Account : XXXXXXXXXXXX Sent some Litecoin ( symbol LTC ) to XXXX. 

It was received by Coinbase. I got an email : " Valued XXXX client, Your Litecoin deposit of XXXX LTC (  worth {$13000.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team " Went to Coinbase acct - no Litecoin. Says it was transferred to XXXX. 

Go to XXXX account - the LTC is not there. When you go to Account / LTC Account / Transfers - it shows up as " Pending ''. 

And that 's it. For 6 days already. 

Tickets submitted. Case # s : XXXX, XXXX.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified.that I have disputed.Please resolve this manner as soon as possible.Thank you.
Product: Debt collection

Somebody has applied and received an Aspire Credit Card and spent XXXX and has not made any payments. This has hurt my credit score drastically. There are also XXXX XXXX Account number XXXX XXXX Account status Pays as agreed Available credit {$1000.00} Reported balance {$1000.00} Credit utilization 100 % Date opened XX/XX/2022 I spoke with a Customer Service rep named XXXX. He did tell me that the SS is different from mine. He is mailing me some paperwork to fill out to get an investigation started. I What can I do to get all this off my credit report? I want to pursue this and prosecute.
Product: Mortgage

The company is NuwRez LLC. I received a call from one of their representatives stating I was at risk of foreclosure for mortgage payments ( XXXX ) on XXXX at XXXX XXXX I called them back that afternoon at # given to me by my previous lender ( XXXX XXXX ) for contacting them ( XXXX ). They verified my loan was up to date. 

My concern is this company should not make threatening phone calls on a loan that has just been transferred to them. I can prove I have never had a late payment for my mortgage in the 24 years I have had the loan. Please do what you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.XXXX  credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since XXXX. I demand this information be removed from my credit profile immediately.
Product: Debt collection

Calls constant. Live persons and robot. The phone number does not belong to person they ask for. Will not stop and we have contacted them several times to stop. We have this number many years. They get very nasty and threatening.
Product: Credit reporting or other personal consumer reports

There are multiple accounts on my credit report that were charged off/written off and sold both accounts are still on my report for years XXXX XXXX XXXX XXXX  XXXX Debt charged/ written off both accounts listed on my report for years. Multiple attempts to get them removed from my account. No 1099 ever provided. 
XXXXXXXX XXXX XXXX XXXX same thing debt written off and sold both on my credit report for tears multiple attempts to remove. No 1099 provided I believe their is IRS fraud and mismanagement by all XXXX  credit reporting agencies.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report that I now owe {$330.00}. 
So I called ARS. They stated they submitted that they payment agreement was paid in full to XXXX and that I need to contact XXXX. I called XXXX and spoke with XXXX, # XXXX. She said that I paid ARS, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with ARS, not XXXX. So I still have a balance due with them. ARS was acting on XXXX behalf in this matter!
Product: Credit card

In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.
Product: Credit reporting

XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, Equifax ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Product: Student loan

I began paying on student loans we cosigned for in XX/XX/XXXX. The payments are XXXX for account XXXX ( note id 's XXXX and XXXX ) and XXXX for account XXXX ( note id XXXX ). In XXXX of XXXX I received notice of late payment. I called and was told it was an error on their end and they would put in a ticket to have the error fixed. I was told it had something to do with the resetting of the due date on the loan. I never heard from anyone. I was contacted the following month and told again I was late. I recalled the conversation with the prior customer service rep and was threatened with reporting to the credit bureau. Since that time, I have continued to receive notice of past due payments each month always some vague amount. I've spoken to several customer service reps all agreeing there is something wrong on their end and they'll enter a ticket but nothing has been done and no one has contacted me. I've attached some of the notices I've received with notations on who I spoke with. In XXXX, per their instructions, I sent copies of bank statements showing payments to firstmark had cleared and were consistently made each month. I was told I would be contacted ( again ) in 5 days and heard nothing until another notice arrived in the mail. I again emailed customer service and a phone call last night trying to collect money. I don't know where else to turn. I have been faithfully paying this as you can see by the attached statements.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the several numerous attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open accounts. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$510.00}.
Product: Debt collection

Who : XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. 

What : Warrant in Debt obtained in XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$680.00} plus 6 % interest from date of DOJ until paid plus {$59.00} costs. Hearing set for XX/XX/XXXX at XXXX XXXX 

Actions : I contacted XXXX XXXX XXXX on XX/XX/XXXX to advise them that I was unable to be present and ask for a continuance and also to advise them that I have never lived in XXXX XXXX and the creditor does not do business in XXXX XXXX, thus I believe jurisdiction to be in question. My request for continuance was considered by the judge and the hearing was rescheduled. I received a Bill of Particulars from the creditor indicating the new trial date was XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the creditor to advise them that there should be a change of jurisdiction given that I reside in XXXX XXXX and have never resided in XXXX XXXX. My home is not even near the XXXX XXXX border. During that phone call, I was advised that the trial had actually already taken place - on XX/XX/XXXX - and that the Bill of Particulars was in error. A follow up call from the creditor later that day confirmed that the judgment was granted in XXXX XXXX and the creditor advised that I could seek to have the default judgment vacated. The agent stated that it didn't matter that the Bill of Particulars was in error because they would have gotten the judgment anyway had it been on XX/XX/XXXX as I was notified. 

XXXX : There are two problems here. # 1 is the jurisdiction issue. Again, I have never resided in XXXX XXXX. I reside in XXXX XXXX. The creditor does not have a place of business in XXXX XXXX either. # 2 is the incorrect Bill of  Particulars. I was given the wrong trial date. The creditor is required by law to notify me in writing of the time and date of the trial. The information was incorrect. Therefore, the creditor did not comply with Virginia law.
Product: Credit reporting or other personal consumer reports

they continue after several disputes and being paid in full to destroy my credit leaving me homeless and automobiless for XXXX years showing XXXXXXXX XXXX day late payments right when covid happened
Product: Debt collection

Midland Credit or XXXX, XXXX XXXX XXXX have reporting open balance & stating they anre original creditor, which has not been validated by any means. Also have communicated with family members on several occasions, left threatening messages, along with reference or account number on their voicemails on XXXX XXXX XXXX  XXXX at XXXX XXXX 3 Relatives or persons on XXXX at XXXX XXXX, another at XXXX XXXX, and another at XXXX XXXX  on XXXX which violates 15 USC 1692c ( b )
Product: Checking or savings account

After several years of monitoring my credit on credit karma, this company advertised a checking and savings account and claimed these services can be used just like a bank. I applied for a checking spend account with them, with the expectation that it would be used just like a checking account. 
On XX/XX/XXXX, I checked into a hotel and used my credit karma debit card to pay. The funds were deducted from my account, and placed on hold by credit karma. This meant that I did not have access to these funds, and the hotel could not access them either. I called credit karma customer service several times to explain my predicament and was told customer service could not help me, and my case would be transferred to a special team that apparently could only be reached by email. This special team was supposed to be contacting me in 20 minutes. This never happened. I was never contacted back, in spite of calling back and explaining my check out date is on the XXXX, and I needed the payment to check out. I was forced to make other arrangements to pay for my hotel stay and was never given an explanation as to why my funds were placed on a mysterious hold by credit karma. 
This company clearly lacks the capacity to function as a financial institution, and therefore must not be allowed to advertise themselves as one. I am still waiting to hear back and get a logical explanation on why my money is still on hold and naturally will close this account as soon as I can access my money again
Product: Debt collection

It appears XXXX XXXX inappropriately shared banking information with a 3rd party company and processed servicing rights without prior communication or authorization. Heartland ECSI CSR states that banking information would not have been transferred with their account ; however, they pulled money out of and the put back into my account in their company 's name. After the transfer, and communication I set up direct debit but they did not process my quarterly payment XXXX/XXXX/2015 and charged a late fee. The CRS stated I would have to talk to XXXX XXXX about a refund of that fee and claimed I set up a one time payment and not recurring despite their system stating " Starting XXXX/XXXX/2015 quarterly XXXX ''. The transfer process and lack of accountability is unprofessional. I contacted XXXX XXXX in XX/XX/XXXX and they said to talk to ECSI the new servicer and ECSI states to talk to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX