23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a combat XXXXXXXX ( XXXX XXXX ) veteran who is trying to fix my credit report so I can get a loan. Equifax continues to report erroneous and incorrect information. I called them several times after trying to file a dispute online. The online site is not uploading supporting documents, I am getting an error every time. Also, I asked them to fix my name with the correct information, my name is XXXX XXXX . I have been married for 15 years and they had just my maiden name listed. The correction is also incorrect, my name is now XXXX XXXX. My name is hyphenated, not slashed, how can you all allow these people to treat our nation 's veterans in such a manner? today is XXXX XXXX and I am very much stressed trying to fix these issues. For months I am trying to get my credit straight to no avail. I am going to write a letter to congress, something drastic has to be done to protect our rights as veterans and citizens. 
Everyone is using Covid as the trump card, we have to remain focused and do our jobs. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear.

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

This collection agency has reported to all three credit bureaus of debt I do not owe. I sent out a debt validation letter to validate this debt and I have not received anything from Waypoint Resource Group. I want this debt removed from all three credit bureaus until they send me a validation letter to validate I owe the alleged debt. If they can not validate this debt again remove from all three reporting credit as it is effecting my credit worthiness.
Product: Credit card or prepaid card

On XX/XX/19 I applied for the Amex XXXX XXXX and was promised a welcome bonus of XXXX XXXX points after spending {$3000.00} in the first 90 days. On, XX/XX/19 I asked about when the 90 days started with an Amex rep, XXXX. She said I was disqualified for the bonus by XXXX because I have had a XXXX card before, possible with another company like XXXX, which isn't true. When I told her it wasn't true she said that's great, that all I have to do is call XXXX and they will tell Amex I've never had a credit card bonus and Amex will then fix the error that disqualified me for the bonus. I followed her instructions to a XXXX XXXX gave me a reference number : XXXX. On XX/XX/19 I gave that number to Amex, a different Amex rep, XXXX, told me that the first rep was wrong and that I was disqualified because I was gaming the system because over two years ago, I opened a green card and closed it ( that green card has no welcome bonus ) nonetheless, I explained how, back then, due to a system error Amex disqualified me for a referral bonus and reps told me a system error was impossible : Almost a year later, Amex mailed me an apology, admitting a system error mistakenly disqualified me for the referral. After the apology, I started using Amex again. He said sorry, there is no way to overturn the system 's decision to disqualify me, even though I didn't do what the system said I did ( violate the terms and conditions ).
Product: Credit reporting or other personal consumer reports

Follow-Up Letter with Intent to Sue XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Follow-Up on Dispute Under 15 U.S.C. 1681i ( 7 ) and Notice of Intent to Sue Dear XXXX Dispute Department, I am writing to follow up on my formal dispute submitted on XX/XX/XXXX, regarding inaccuracies on my credit report. As outlined under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), you were required to complete your reinvestigation and provide a response within 30 days. To date, I have not received a satisfactory resolution or any documentation substantiating the verification of the disputed accounts. 

List of Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA , you are required to provide written evidence of your reinvestigation process, including the methods and records used to verify the accuracy of each account. Your failure to comply with the statutory deadlines for reinvestigation constitutes a violation of federal law and has caused harm to my financial standing and creditworthiness.

Demand for Immediate Action To resolve this matter, I demand the following : Immediate removal of any unverifiable or inaccurate information from my credit report.

A complete copy of the reinvestigation documentation, including the methods and records used for verification, for each disputed account.

A written explanation of why you failed to meet the statutory deadlines under the FCRA.

Notice of Intent to Sue If I do not receive a satisfactory response and resolution by [ Insert Deadline : typically 710 business days from the date of this letter ], I will have no choice but to pursue legal action. Under the FCRA, I am entitled to seek actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorney fees and court costs for willful or negligent noncompliance.

This letter serves as my final attempt to resolve this matter amicably. Please direct all future correspondence related to this matter to my attention at the address provided above or via email at XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money transfered by Zelle I didn't authorized it. It was withdrawal from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Product: Credit reporting

I am filing this complaint because equifax has ignored my request to provide me with the documents that were used to " VERIFY '' the account I disputed because they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to delete all information that can not be verified, that I have disputed. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

XXXX was very unhelpful in my situation. I knew I was 90 days behind and still making payments. But they showed up to repossess my Impala on the basis that I was XXXX delinquent. When I looked at XXXX of my statements, I had sent them a check for {$430.00}. Instead of applying this {$430.00} to the auto loan like they have every time before, they put it into a savings account that was opened when I took out a loan with them. I 'm under the impression that they received my payment, but they put it in the wrong place, giving the illusion I was 120 days behind rather than XXXX. 
When I spoke to someone at XXXX, they said " that happens sometimes. '' So they show up at my job 45 minutes away from home to take my car. I call them, and at first the deal was to make the loan current, and I could get take the car back. 

The next day however after taking take the car, they instead tell me in order to get it back, I have to pay off the full balance of {$26000.00} within 30 days. I did n't understand how we went from {$2000.00} ton {$26000.00} in XXXX hours. And they never bothered to work with me.
Product: Debt collection

I disputed this information and asked for debt validation and verification and do not receive it from credit collection services. Not my account I do no owe this debt. This information is listed falsely and inaccurately across the credit agencies. This is inaccurate incomplete inconsistently wrongfully not truthful not while not complete please remove from My report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX CT XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

It has been a nightmare since purchasing a vehicle from Carvana. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car dye to thier error. No one notified me of an echeck in my email after the 32 calls that I made to Carvana. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics
Product: Debt collection

My XXXX account notified me of a collection put against me by BC SERVICES INC for {$300.00} for XXXX XXXX XXXX XXXX. 
I was never given a bill from XXXX XXXX XXXX nor did my insurance show anything that I owed. I also had given an HSA card at the time of service. 
Had I known of the bill, I would have paid it - instead, they destroyed my credit score.

I paid the collection agency, but I still don't know what the bill is for, nor why it wasn't covered by my HSA or insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ; XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Equifax 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 These fraudulent accounts consist of a personal credit card XXXX XXXX XXXX XXXX  opened XX/XX/XXXX under the account number XXXX, an Auto loan account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. Also, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Equifax credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Equifax credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on XXXX report were not opened, made or initiated by me. 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 Case # XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.
Product: Checking or savings account

XXXX XXXX is where my social security checks go into an account. If I over draw ( which is only because they charge me a fee and daily fee ) my account, they know that no money comes into my account only by SSI so my money is gone and they constantly charge me a fee of {$39.00} per Overdraft and a {$6.00} fee per day till my SSI comes in. Once it does, XXXX XXXX takes out their money and leaves me with no funds because I owe them so much. To leave this account, Social Security needs at least 1 to 2 months to change my account to another account. I can not have my bank taking all of my money and I want it refunded asap. I have contacted them XX/XX/2018 so they have not contacted me yet
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX    account opened XX/XX/XXXX. a XXXX XXXX  XXXX opened XX/XX/XXXX. a XXXX account opened XX/XX/XXXX. a XXXX XXXX XXXX opened XX/XX/XXXX. a XXXX XXXX XXXX XXXX   opened XX/XX/XXXX , another XXXX XXXX XXXX XXXX  opened XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX  XXXX  was opened inXX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX XXXX, XXXX last XXXX of social. I apply for a mortgage loan with Capitalone bank on XXXX XXXX XXXX. The loan officer checked my credit and stated it was to low. She stated Capitalone 's minimum mortgage score is XXXX. She stated my credit with Experian was XXXX but that was a lied. My credit score at the time of verification was XXXX. In the past 4 months my credit has never been below XXXX with Experian. I have Credit Tracker with Experian. I checked my credit with Experian confirming it was XXXX. I believe the loan officer discriminated against me. She lied about my credit scores. At this time my credit scores are XXXX with XXXX and XXXX with Experian
Product: Credit reporting or other personal consumer reports

Want to file a complaint against all the credit bureaus for their unfair consumer practices of Credit Age and Hard Inquiries. The credit bureaus fail consistently to accurately display consumers ' credit age. Many people have had credit for years but the bureaus seem to only include newer accounts or only open accounts which ultimately brings the Age of Credit down and if this is considered a Medium Impact on credit then the bureaus are unfairly and unjustly affecting every person 's credit negatively. The Age of Credit should be how long a consumer has had credit, not some arbitrary number of years that the bureaus decide on nor should it only contain open credit.

Likewise, the credit bureaus have unfairly and unjustly affected every consumer 's credit for years by retaining the quote " Hard Inquiries '' for more than a year. If this is as the bureaus say a Low Impact item why does it seem that every lending organization denies credit to people because they have " too many hard inquiries ''? Credit reports should not have any hard inquiry on it that is more than 1 year old. What is the point of keeping an inquiry there for more than a year? Should an inquiry actually be a good thing for a consumer, it means that the consumer is looking to spend money or obtain a loan for a large purchase. Why should this negatively impact anything? 
The credit bureaus have been lying and misjudging consumers for years and this needs to STOP! One would wonder if those XXXX XXXX US citizens who are credit-invisible are not much better off than the rest of the consumers. At least those 26 million consumers are not unfairly and unjustly judged by 3 bureaus that arbitrarily judge consumers.

The credit bureaus state that Payment History, Derogatory Marks, and Credit Card Use are all High Impact items. If this is the case and a consumer has very Excellent marks for Payment History and Derogatory marks and Fair marks for Credit Card use ( using myself as an example ) then why does it seem that the Excellent marks are not taken into account but the Fair for Credit Card Use and the Needs Work for the bureaus quoted Credit Age of 4 years and 10 months seem to outweigh any other information on each report. Credit Age of 4 years and 10 months, is an insult by the bureaus! In fact I have had a mortgage for the past XXXX years in XXXX different states in this country, I have had car loans for the better part of 20 years consistently, but the credit bureaus do not seem to want to accurately report information that would actually help consumers like myself and many other consumers. The credit bureaus need a complete overhaul and their practices on credit reporting need to be investigated! 
If this is not the right organization to bring this inquiry to please let me know where or whom is the best to discuss this with. If I need to speak with Congress and Senate I am willing to do that as well. I feel the Credit Bureaus need to be investigated and overhauled in order to protect US consumers and provide fair and accurate credit reports.
Product: Checking or savings account

I want to file a complaint against Navy Federal credit Union about the multiple overdraft fees that I was charged overtime with the credit union not showing my account via my app or online with the correct amount causing me to incur several XXXX fees thats also is in line with the current with the current CFPB findings against XXXX XXXX for similar practices. Where transaction transactions were settled with insufficient available funds. I believe these transactions were unfair. I am asking for an investigation into account.