23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX my husband and I moved to another country to do volunteer work. Before leaving we paid off XXXX for our cell phone bill, had our devices unlocked for use in the other country, and closed our account. 

During our time away we had no problems and since returning to the States in  XXXX we chose to use a different cellular phone provider which cost less money. We had never received a notice or phone call claiming any debt owed with XXXX or anyone claiming to represent XXXX ( as a debt collector ) related to a debt. We also have had no adverse action on our credit report from XXXX or any other agency claiming a debt owed to XXXX. 

In XXXX XXXX we suddenly had a claim of debt from a company called EOS/CCA who represent XXXX in debt collection. They did not contact us via mail or phone to inform us of this supposed debt, but instead just started reporting and thus adversely affecting my husband 's credit scores. 

I contacted EOS/CCA directly about this fraudulent reporting on my husband 's credit report. They tried to fool me into believing we had the burden of providing proof the debt did not belong to us. Knowing my rights I flatly denied the made up charge from XXXX and demanded proof from them. I have also lodged a complaint with the BBB against EOS CCA and XXXX. I further lodged a complaint with the FCC against XXXX who has continued to remain silent on the matter. 

EOS/CCA claims to have documentation ( not provided to us ) that we owe XXXX money for a period between XXXX XXXX and XXXX XXXX ; though as previously stated we closed our account in XXXX. Furthermore there is no action taken from XXXX or any other creditor on their behalf related to those dates or any earlier dates on our credit reports. 

So far, as I 've said, XXXX has remained silent. But on the EOS/CCA website they prominently display an award they received from XXXX for their " excellent recoveries of secondary tier placements and for ease of doing business '' due to their " positive return in all four markets ( West, Midwest, Northeast, and South ) for percentage of placements to percentage of collections. '' I have contacted a specific lawyer about the matter who has made it their aim to bring EOS/CCA to justice and have in fact successfully brought many cases against this firm to a positive outcome. However, to me, it would seem this is something which should be brought to public awareness because it appears either XXXX and/or EOS/CCA is playing a numbers game ( percentage of placements to percentage of collections ) at the expense of  innocent consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and realized I have an inquiry from Credit Plus and I did n't apply for anything dealing with their company, nor do I have any of their Products for their company. I could not reply to them directly because I do not know how to get in touch with them.
Product: Debt collection

On XX/XX/2022, I sent XXXX a letter asking them to provide me with legal documents to validate this alleged debt that they are reporting on my reports. I never received a dunning letter from them, and they completely ignored my letter. I am not responsible for this alleged debt, I never did any business with XXXX ( XXXX XXXX ). 

I need them to close this account in their office and delete them in my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}
Product: Credit reporting or other personal consumer reports

Reached out to the company several times over the past year or so to receive information about a charge off and account status because account was supposedly sold but still reporting as open as of recently but with a past due amount but another company now owns debt and I was told there is nothing upstart is collecting on or can do. Upstart failed to send documentary evidence of sale of account or transfer information and also charge off info, failed to answer a formal affidavit and dispute and failed to send FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. Also failed to answer arbitration claim which is in our contract.
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Office XXXX They called me several times before I called them back. They proceeded to let me know they were debt collectors and I owed Key Bank acct # XXXX. It was a fraudulent claim, but they convinced me it was by threatening to put a lien on my house and that it would lower my credit score. Somehow they were able to convince me that the claim was valid after I repeatedly told them it wasn't, but they coerced me to pay them and I finally did to stop the harrasment. They sent me fake letters to show that I had been released from all claims and show the debt as paid in full using file # XXXX. 
I paid it on XX/XX/year> for {$2500.00} on my XXXX XXXX Credit Card. I had to charge it since I didn't have the cash to cover it. I finally realized through the XXXX  that this wasn't a real Company. I called them to try and get my money back to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to get our free annual credit reports online for the past several days. We received copies from XXXX XXXX and XXXX without any problems. We are having a major issue with Equifax. Like I stated, we have probably tried twice a day for the last three days to get the report online. As you go through the process, everything is fine until after you enter the last four digits of you social security number. That is when you receive the following message. " ONLINE DELIVERY UNAVAILABLE '' " We are not able to deliver your free Equifax Annual Credit Report online ''. It then goes on to say that we should download the request form and mail it along with copies of your drivers license, social security card, XXXX forms, pay stubs, etc. Not the type of information I want to send out in the mail. We we phoned, we were told the computers are being updated, to try again in an hour or so. We have done this several time a day. Still the same results. After another phone call, we were told to to the www.equifax.com/fcra. This website has alot of questions, but does not state you will receive your credit report, so I was reluctant to complete the form. 

The reason we need this report is due to an untrustworthy insurance agent that tried to issue policies in our name without our permission, then billed us. We would like to put a freeze on Equifax, but we would like to see the report before doing so. Again, we did all of this with XXXX and XXXX   within minutes and had absolute no problems what so ever. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have enrolled in and online class through XXXX in XXXX for 4 payment of {$170.00} each. Upon enrolling, I had an emergency with my dad and had to leave town and take care of my parents for 2 months, preventing me from ever accessing the class or using any of their services. They took 2 payments, and i tried to reach out to them to prevent the other 2 from going through my DISCOVER card but had no response. With nothing from XXXX, i disputed the last 2 charges from discover directly which was ruled in my favor. Only to find out a month later that those charges were reversed and now are on my balance. I've reached out to discover multiple times to further take care of this but nothing ever comes out of it but that they need proof that the class was cancelled. So i'm disputing 2 charges, each is {$170.00}.
Product: Checking or savings account

On or about XX/XX/22 we received a notice from Chase Bank that a check had bounced from one of our business accounts. It was not a check or an amount we recognized. When we reviewed our accounts we noticed that this check did not match our records and in addition, the previous check number had had the amount and payee altered. We reported this to Chase on XX/XX/22 and they opened a fraud investigation. We also reported it to the XXXX since it appears the check was stolen in from the mail. 

Since then we have struggled with Chase to get this matter resolved. In the 3 months since we reported the fraud we have only received one correspondence from them and even that was a set of documents that we had to request twice. We have faxed supporting documents only to have them lost on two occasions. And twice we have had our claim closed because the bank was waiting for documents that had been sent and lost and we were never informed that the documents hadn't been received or that the claim was being closed. And finally, we had our claim closed because the bank was waiting for an additional document, but we were never informed of this and only found out when we called to check on the status of the claim. As far as we can tell in 3 months has made no or minimal effort to resolve the claim or to keep us informed of the progress ( or lack thereof ) on the claim.
Product: Debt collection

This debt originated from a lease break on an apartment. The debt owed is {$2400.00} as per the lease agreement with XXXX, and also the previous debt collection law firm of XXXX. This new company, Valle law firm in XXXX, Fl sent me a letter today stating that I owe {$130000.00} to them on behalf of XXXX.
Product: Credit reporting or other personal consumer reports

Transunion refused to remove the Child Support public record account from my credit report. This account was declared Unconstitutional by the Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2024 ). If Transunion wouldve done there investigation it would clearly show that the court removed this account because it was Unconstitutional. Furthermore I disputed this account with TransUnion after the Court notified me that this account was unconstitutional. Therefore Transunion failed to remove this account even though it was deemed unconstitutional by the Supreme Court and The Court and County that then possessed the account. Child Support should not be showing on Public Record with TransUnion and I want it removed immediately. By law it has to be removed anyway for failing to conduct a proper investigation for accuracy per my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these Fraudulent inquiries from my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee charges I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I have disputed these multiple times. Please remove them.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the errors remained. Due to this problem, I kindly request a thorough review of the documents Ive submitted so I can put this concern behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is invalid and it is a violation of my rights as a consumer the fair credit reporting act establish that any and every account that is reported on a credit report have to be a 100 % accurate and verifiable in this account there is 2 different dates of last activity Transunion has XX/XX/XXXX and XXXX has XX/XX/XXXX XXXX is the company that reported the account they might have re-aged the account or the credit bureaus have the wrong information anyway this account is completely inaccurate. Please remove this account from my credit report
Product: Debt collection

I've been trying to clean up my credit. currently Citibank is attempting to collect a disputed debt through XXXX XXXX XXXX XXXX. I have requested validation of the debt including the contract and history/statements to show how the purported balance occurred and is calculated. I've also asked for the date of the last payment made on this account if any to show the date of delinquency and to determine if the statute of limitations has expired on the account. I have been unable to obtain any of this information from XXXX XXXX XXXX after multiple attempts so I am reaching out the Citibank for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.
Product: Vehicle loan or lease

this loan was opened XX/XX/year> and was closed XX/XX/XXXX, XXXX im pretty sure that they fixed the car up and sold it to a new owner. im trying to get a loan from my credit union but they wont approve me because of this repo on my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX closed my checking account on XX/XX/2018 without informing me. They also reported my to Chex systems as account abuse despite having a savings account with them and a credit card.
Product: Student loan

I have student loans duplicated amounts on my credit report. Each of them was under  XXXX   XXXX .  Navient  has assumed all the responsibilities previously performed by  XXXX   XXXX  as a federal loan servicer to handle the billing and other services on federal student loans. Then, Navient switch to  Education De partme nt Navient th at causes the student loan duplication issue.  <P/> Understanding the problem, the credit report shows both :  XXXX   XXXX /Navient and  Education Department Navient duplicated with exactly the s ame balances.  XXXX   XXXX  never marked the transferred accounts as " closed '' an d Education Department Navient still " Open - Current ''.   XXXX   XXXX  /Navient does not mark the acco unt as closed after they switch.  <P/> I contact Navient hundreds of times and they never accept the error and never perform any investigation in relation of it. They only p rovide a   XXXX   XXXX   address to send any complaint letter to Navient Fraud Department. I sent a lot of letters and they never answer. I 'm trying to fix this more than 9 years.   <P/> They continue reporting late payments also under forbearance every months. I 'm desperate, because they destroyed my credit and continue calling me, but never accept the duplicated error. Again, I 'm sending a lot of disputes letters and they never answer.  <P/> I also verified my original Student Loans documentation  in the National Student Loan Data System  and shows double quantities ( error ) between  XXXX  University and  XXXX   XXXX /Navient.  <P/>   XXXX   XXXX  /Navient are thieves and abusers. They know exactly that they are doing.  <P/> They never provide me the original instrument of ended nest is his original form. Therefore and under the law, I am not liab le about any financial obligation issued by licensed financial institutions following the FDIC Law PART 1020.
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.

The letters are stated with items and issues.

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, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone bought a phone in my name and I knew nothing about it. Jefferson Capital is attempting to collect a debt that I do not owe. Also in the process of filing this collection Jefferson Capital has ruined my credit score and made it impossible for me to qualify for any new accounts or trade lines.
Product: Vehicle loan or lease

I used a Pentagon Federal Credit Union auto loan to buy out my leased vehicle. The title was sent to PenFed. PenFed did not take care of filing the lien, and instead sent me a clean title. They told me that I had to take it to the DMV and file the lien info for them. Soon after receiving, the DMV closed its doors due to the pandemic. Since I was not able to take the title to the DMV and do what they should have taken care of when they had the title, they increased my interest rate by 10 percentage points, added {$100.00} to my monthly payment, using a pandemic to their advantage and penalizing a member during a very difficult time. All this without one phone call or email to check in, ask for an update, or see if there was a way they could help ... I have terrific credit and have made every payment early, even paying them for GAP insurance on the loan. This is not a high risk loan that justifies a 14 % interest rate. I should not be penalized because my DMV and most of the economy has been closed down due to a pandemic. This is usurious and despicable while unemployment is rising and everyone is dealing with the current troubles of the world.