23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning theres a problem and he can not move further with my application. He mentioned EOS CCA  is a new account and I have to fix this problem. There is an account listed on my credit report that just popped up under EOS CCA collecting for a company called XXXX XXXX for {$380.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANCIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called EOS CCA. All this happened under 30 days ( see attached screenshots ) so how would EOS send me a right to dispute or explain my rights. The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, XXXX of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice.
Product: Mortgage

My complaint is on inadequate service, from Flagstar Bank in giving my wife and i a refinance on my VA Loan. I tried to fill paperwork online but there was always a problem with doing it through e mail. I did it well through the company portal, but e-mail always had a glitch in it that they never corrected, which caused me not to be able to transmit the paperwork. I called left word for them to send me paperwork through US Mail, they never did! I am going to call again today and tell them to send me all paperwork through The US Mail.

I feel as if these people do not want to close a refinance for me on my VA Loan, their effort has been sub-par, as well as selfish as I believe they are trying to keep me in the higher APR loan, by creating these problems.

I am hoping my age was not a consent for them to treat me this way or they just inadequate in giving proper service, trying to do it their way instead of the right and legal way! I need them to send me the proper paperwork through US Mail, ASAP, with all papers that need to be signed and a list of everything that needs to be sent to them they may already have some copies of items requested to be submitted to them.

I know they are not offering me the best APR rate, that We qualify for, because other companies have quoted lower rates!

If I go to other companies I have to pay closing cost with my current mortgage company Flagstar Bank, I will not have to pay closing fees!

Please, help me with this problem, my loan officer for this attempt to refinance my VA Loan, is XXXX XXXX. Telephone # is XXXX. We have been trying to get this done since XXXX!!! 

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

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the account below due to several violations of the law. The companies in question for the alleged debt is as follows : 1 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Product: Credit reporting or other personal consumer reports

Student loan with Missouri XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, Transunion and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach Missouri XXXX XXXX, XXXX to correct the situation. Loan has not reporting on XXXX. 
XXXX was able to locate my account. Account number is. XXXX. Email address that was associated with the loan is XXXX, phone number is XXXX and address is XXXX XXXX XXXX. 
XXXX was unable to email me the packet needed to file the complaint. XXXX to receive package in postal mail. Police report filed and police found that the email, phone number and address are not valid.
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I changed my name in XX/XX/XXXXXXXX  due to my getting married, an act which is absolutely a boon to the XXXX XXXXXXXX XXXX and a utility to the US economy as a whole. On XX/XX/XXXXXXXX  I received a letter in the mail from Chase dated XX/XX/XXXX that had no discernable authentication, no letterhead or signature from leadership and read as if it were a scare tactic/fraud piece from some entity trying to steal my identity. It contained just half of a W-9 form printed form the IRS website with the letter commanding me to put ALL my personal account numbers on the form as well as my newly validated SS number to then put in the physical mail addressed to a po box I could not verify as one of Chase 's. 

I received no email from Chase and no alert on Chase 's app about my account " needing attention ''. I even went into a local branch on XX/XX/XXXXXXXX  to change my name on my account. Why was I not alerted then that my account needed this kind of sensitive information verified? The letter reads like a poor attempt at identity theft and makes threats of IRS and Chase penalties with no substantiation or reasoning of said penalties. The stringent due date was marked XX/XX/XXXXXXXX  which obviously I could not honor since it was sent through the post office at a time when it couldn't possibly have made it to me in time for me to both verify authenticity and send a timely response. 

It is inexcusable the language that Chase uses in this letter. It is threatening and misleading. As a consumer, I have a right to timely communications about my account- especially if it means action from the IRS .
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I used a XXXX XXXX account to receive my checks from a XXXX company I was doing contract work for between XXXX. After I stopped working for this company my account became inactive and within XXXX days they closed my account ( XX/XX/year> ) I had a balance of {$1900.00} in the account at the time it was closed. There was a transaction, the last on my account that had the description " System generated transaction to set XXXX balance for XXXX XXXX  '' and I never saw that money afterwards. 

It's been a little over a year, and despite many phone calls and chats, with promises to send the money in the form of a check or my last few statements I have received nothing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX  Account Name : XXXX XXXX - Account Number : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I've been getting phone calls at all hours of the day from different numbers that don't even leave voicemails. They left one once and since I didn't answer they've started calling from different numbers at least 3 times a day or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

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

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account XXXX ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of validation and details on how your investigation of my consumer report was conducted for my dispute initiated on XX/XX/2023 and the subsequent response received on XX/XX/2023. According to the FCRA the only way to legally investigate and validate information in a consumer report is to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer or from any consumer reporting agency when the information was obtained directly from a creditor of the consumer. 
If you followed the law and completed a full, legal, and proper investigation as mentioned above, please send me the names, addresses, phone numbers and documentatation used from each friend, neighbor or associate that you interviewed within 15 days. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D I have the right to request this information. If you can not provide ALL of the requested information within the legally allowed time line, I demand that you honor my dispute request listed below for each item.
Product: Student loan

Navient  contacted everyone with the same last name as me and born relatives that are them to harass them for money when they have  zero co nnection to my loans. My mother in law, sisters, aunts, uncles in other states never allowed them to contact my relatives or gave them any numbers to contact them. This is the Worst company to ever " borrow " money from! Breach of my contract. It makes me feel really uncomfortable to show they have authority to do such thing. I try to reduce My loans and they could not then I would take 30 monthly payments in and messed up my account breach of my contract it makes me feels really uncomfortable! I try to reduce My payments and they could not then I would take 30 monthly payments in and messed up my account even
Product: Checking or savings account

case XXXX and XXXX case et, all ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. in complaint are not solve I was complaint into USPS, I am not solve and I was complaint them at FEDERAL COURT RESULT : default JUDGMENT Now I request the bank Charge back all FEE, all my damage and my injury, include all my injury from 2013 to now I can not handle all from bill, fee to all damage and total loss when I was damage and injury, I from the XXXX to come back this life, when I pay full tax and full Insurance in USA when I did not Violate any even in my mind I can not handle all from my damage to injury and wrong false arrest from FEDERAL POLICE, act theft no service by all defendants But charge diret my money in my account from checking to credit card NOTE : from Checking to credit card : all are bank OF AMERICA I petition into the bank OF AMERICA Charge back into USPS {$30.00} Million from all Fee, injury and my damage by act theft from USPS, I am not relief from Congress OF US and Supreme Court OF US
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I wrote the 3 Bureaus over 2 months ago and still have not received any update on my complaints with the fraudulent late payments that they have put on my account. The one company XXXX is known for putting late payments on customers accounts even when they paid on time. I never even authorized any furnishers to report any of my information which is a violation in itself and its been over 2 months with no update which is also a violation of getting back to me in a reasonable amount of time. I would like these accounts updated to paid as agreed because I never been late on any payments. If not I will have to seek litigation because they are putting in fraudulent claims and messing up my credit.
Product: Credit reporting or other personal consumer reports

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 usc 1666 B a creditor may not treat a payment on a credit card as an open ended consumer credit. They did not provide documentation as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX  has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 XXXX XXXX : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my XXXXEquifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 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 ( properly deleted on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I already sent a couple of complaints through CFPB, and Equifax responded by only deleting one inquiry ( there were 5 total, see above ). Please delete the other 4 immediately or I will take legal action against Equifax in the next step.
Product: Vehicle loan or lease

total car was bought XX/XX/year> and requested removal of service addon by dealer since he claimed it was required by bank. 

dealer in nj called modern cars llc in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my 3 credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for Transunion to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}
Product: Checking or savings account

Truist bank closed my account but still I have not gotten my money from my account