23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company has filed suit in my county. 
The summons does not have the full account number. 
Scott & Associates purchased the portfolio from XXXX XXXX  They have provided no contract between myself and XXXX XXXX XXXX XXXX XXXX XXXX or Scott & Associates Scott & Associates has not provided any privacy document signed by me with the original creditor allowing XXXX XXXX  XXXX XXXX Scott & Associates XXXX XXXX XXXX to my personal data. 
XXXX XXXX XXXX has not provided proof of the accuracy of the portfolio complete with my full name nor the Affidavit from the original creditor, the Proof of Purchase of the portfolio from the original creditor, Proof that the Assignment of Debt rules have been followed, or Proof of how XXXX XXXX XXXX XXXX XXXX XXXX and Scott &, Associates arrived at their respective alleged amounts owed. 
There also hasn't been a 1099-C filed by either the original creditor or any of those who purchased the alleged debt.
Product: Credit reporting or other personal consumer reports

On XXXX an erroneous collection account from Consumer Adjustment Co for {$2200.00} was placed on my credit report. Consumer Adjustment Company placed a collection on my credit report without ever contacting me first to validate or resolve. This company violated the Fair credit reporting act. I have never received a letter of validation to dispute from this company. No phone calls, or email to dispute. I was not giving 30 days. I do not owe this debt. This needs to be removed from my credit report. Researching this company shows that they are notorious for placing false collections on other people 's credit profiles. This false collection from this company is damaging my credit and I request that it be removed immediately. I do not have a contract with them. I have never signed any form of agreement with them. And have never even been contacted by this company. This is a violation of my rights under the Fair Credit Reporting Act and I request this be removed immediately. When I called the number on their website, XXXX, the first time, I was unable to complete their requests to initiate IdentityIQ, as I was driving. The gentleman on the phone said he would call me back. The call did come from XXXX which appears to be directly from Consumer Adjustment Company Inc. I did not answer because I was expecting the XXXX number. However, when I called back when I got out of the car, the call seemed to go to a holding company that holds collection debt from a variety of collection organizations and they were unable to help me without me providing them with a credit card to obtain my credit report to " confirm '' what I was requesting. As a matter of fact, the gentleman on the phone asked me who the collection company was. When I told him Consumer Adjustment Company he said he had never heard of them. I am requesting that this invalid collection account credit line be removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent activity on my Bank of America account. In XXXX, my wallet was stolen, and I became a victim of fraud. Unfortunately, I was unable to file a police report at the time. Despite this, the fraudulent activity has been reported on my account, and I am seeking assistance to resolve the matter. 

Here are the details of my complaint : Bank Name : Bank of America Account Number XXXX Date the Fraud Occurred : XXXX  Description of Issue : Fraudulent transactions on my account due to a stolen wallet in XXXX I have contacted XXXX XXXX XXXX XXXX XXXX XXXX to dispute the fraudulent activity, but the issue has not been resolved to my satisfaction. I request your assistance in ensuring that the fraud is properly investigated and that my account records with Bank of America are corrected. 

As part of this complaint, I am requesting that Bank of America take immediate action to correct any inaccuracies on my account and that the fraudulent activity be properly addressed. I would appreciate any assistance the CFPB can provide to ensure that this matter is resolved quickly and fairly. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Bank account or service

I recently lost my debit card and got my replacement on Friday ; then I activated the card on Friday. Then Sunday before I had a chance to update recurring charges with my new debit card number, XXXX emails saying thank you for the payment and showed my new debit card number. I never gave XXXX my new account number Wells Fargo released my number without my authorization.
Product: Credit reporting or other personal consumer reports

After a careful review of my financial records, I believe this entry to be inaccurate and potentially the result of an administrative error or miscommunication. As such, I kindly request that this matter be thoroughly investigated and corrected at your earliest convenience to ensure that my credit report accurately reflects my payment history. Please make an update on the following accounts that was tagged as late payment : late payment XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$1300.00} XXXX XXXX XX/XX/year> {$0.00}
Product: Credit card or prepaid card

During a recent trip abroad, Bank of America placed an unexplained hold on my credit card. We had been using it successfully for about a week then, on XX/XX/XXXX, the company blocked a payment I made on it as I had been nearing my maximum. However, they did not return the amount to my checking account. This meant I was missing {$2000.00} from my checking account and was also blocked from using my credit card. The company said there was no explanation and there was nothing they could do to override it. I would have to wait 7 days for it to be lifted. Being in a foreign country, this was extremely concerning. We were able to use my husband 's debit card instead, but I felt this kind of thing should not happen to leave Americans in foreign countries potentially without any access to their money. We asked to speak to supervisors and the social media team contacted the company on our behalf, and were told the same thing.
Product: Mortgage

I have submitted complaint before but the case gets closed before I get an answer. I didnt have a call or email from flagstar rewarding my complaint. 

The government is paying my mortgage monthly payments by Department of Economic Opportunity of Florida with the Home Owners Found ( HAF ) and it will occur during a 18 months period. 

The problem is that Flagstar Bank is not accepting the payment of this month. I called them every single day since 4 months before this complaint several times a day and I always get different answers, different information and non consistent responses, mostly they dont really know what Im taking about. The only think they confirmed was we received the payment but we dont know how to apply it. 

Please help me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported :XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

Company called Portfolio Recovery calls multiple times per day using a different number EVERY TIME. For the past 28 days they have called during business hours every single hour and if even called on the weekends. They have called up to XXXX XXXX. Central Standard Time and as early as XXXX XXXX Central Standard Time. They are trying to collect a debt that has been written off and not owed. Attached is half a days worth from today. Which is a Saturday.
Product: Student loan

I earned an XXXX Award through service with XXXX for XXXX. The education award was for roughly {$9400.00} and I decided to put it towards loans I took out to earn my XXXX XXXX XXXX. These loans had a higher interest rate, and were taken out through Fedloan. I applied the XXXX award in XXXX XXXX. All the National Trust does with XXXX is send the money to the loan provider, in this case, Fedloan. My online account balance, though, never changed with this payment. It was at about {$11000.00}, and did n't change. Even when I did smaller payments since then, the balance never changed. I was NEVER asked by fedloan how I wanted that money dispersed. I assumed that if I gave them {$9000.00} the balance would then go to roughly {$2000.00}. If I give them my money, it should be used. 

But, I have learned that Fedloan is using this {$9000.00} payment as a " fund '' to take from each month for my monthly payments. When they would send me a " monthly bill '', the statement would read " {$0.00} due ''. Each month this would appear since I submitted the education award. 

When I called fedloan, they notified me that the loan would be in use until XXXX XXXX. So, instead of using money I have given them to pay off the majority of the loan, I am being almost trapped into a consumer relatioship where my money is used to keep me there and garner more interest each month. 

When I asked them to resubmit the payment, they said that they could but it would then put my loan in " delinquent status '' since I personally did n't make individual payments on the account since XXXX, XXXX. I was n't able to make the payments, since each account statement said " {$0.00} balance due ''. 

I feel very conned by this organization. I already paid {$1800.00} in taxes on this education award, as it is considered untaxed income. Now, it 's being used against me to keep me as a consumer with Fedloan for as long as possible. I was n't given a choice for how my money would be applied, nor was i notified.
Product: Credit card

I have been a member of Rushcard since XXXX. On XXXX XXXX, XXXX someone was in XXXX, FL and took {$400.00} and had atm withdrawls of {$400.00}, {$2.00} for ATM fee, as well as XXXX charges of {$.00}. I was in XXXX, FL, which is about a XXXX minute drive. I had my card in my possession and the only reason I knew of the transaction was because I attempted a purchase in XXXX on XXXX XXXX XXXX XXXX, Florida on the XXXX of XXXX and the charge declined.. I then attempted a smaller amount without cash back and it still declined. I paid with a different method of payment and as I walked away from the register I pulled up the app for Rushcard and seen that my money was taken out at a ATM in XXXX, FL. I immediately called Rushcard and they stated that they will close out that account. They told me that they will open a dispute and asked me a series of questions, about did I give my pin to anyone and if I had the card. I told them no I did not give my pin to anyone and I still had card in my wallet. They explained that they will give me a credit of the funds owed, within 2 weeks while they investigate the situation that was on the XXXX. I received a letter on the XXXX dated the XXXX that the dispute was close and they do n't owe me anything. How can I be two places at one time and what type of investigation was done to find the person whole stole my money. This is unacceptable and I feel robbed by the person who did this as well as Rushcard for their poor business practice. That was money to feed me and my kids and have no money to give anyone. I work hard and need help to resolve this issue. I used the card like an hour or so earlier at XXXX for {$3.00} and I was in XXXX a good time before I attempted the transaction and have proof. I put on a law-a-way and have the receipt to prove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX  and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint I am not going keep having my FCRA RIGHTS violated. I have sent in documents and ftc report and other report these inquiries and account need deleted Now
Product: Debt collection

National Account Systems legally was supposed to mail the court date for hearing about debt but did not. What I received in mail was information about amounts owed but they did not include court date. When I didnt show to the court date ( because I didnt know of date ), judgement was entered against me. Prior to receiving the letter about amount owed, collection agency had nan coming to my house every Saturday banging on my door for several hours.
Product: Credit card

I received an e-mail ON XX/XX/2024 AT XXXX XXXX FROM my XXXX XXXX XXXX XXXX  of which i have a XXXX dollar limit. In the email it says that if I do not use my credit card with them in the next 60 days it could " impact my credit '' I'm taking this as a thinly veiled threat that unless I use this card, than I will have my XXXX XXXX effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of 2020. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Experian with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through mail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the balance on the account which is actually XXXX. There is stuff that is inaccurate that Experian has had two chances to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # XXXX
Product: Credit reporting or other personal consumer reports

I settled this account with a deed in lieu of foreclosure and the company Pennymac is still reporting as delinquent and past due. It is significantly impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

GM Financial provided certificate # XXXX for four months lease pull ahead for use if I purchase or lease a new vehicle by XX/XX/2019. The certificate states, " XXXX will cover up to 4 lease payments up to {$2500.00}. '' I leased a new vehicle on XX/XX/2019 and met all the terms of the certificate. On XX/XX/2019, XXXX months after I turned in the previously leased vehicle, GM Financial refused to honor the lease pull ahead and sent me a bill for {$1200.00}. I have been stuck in the middle between GM Financial and the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from Fedloan clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and Fedloan refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and Fed Loan accurately reported them as late. Fedloan, later granting a forbearance for that time period, per the cited opinion, Fed Loan has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.
Product: Credit card or prepaid card

Paypal credit card has reported balances to credit bureaus 3 times in on month. This is affecting my credit scores and have not been able to get issue resolved talking to their customer service.