23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I applied for two auto loans with Navy Federal Credit Union for approximately XXXX XXXX XXXX XXXX XXXX XXXX  and was denied. I received letters from Navy Federal Credit Union dated XXXX XXXX denoting the reason I was denied credit as I allegedly caused Navy Federal Credit Union a loss. I subsequently sent Navy Federal Credit Union a letter, delivered XX/XX/XXXX, denoting their violations being denying me, the consumer, credit when I put in a credit application in good faith, and unauthorized use of my credit card because I received no benefit from my credit card being used. On XXXX XXXX I received an electronic message from Navy Federal Credit Union stating they had researched my concerns and I was denied pursuant to their underwriting guidelines, as if they were above federal law and my rights. Then, I drafted a conditional acceptance letter requesting certified documents to corroborate the alleged loss, or a new contract will be created involving me receiving the original credit I had applied for. That letter went out on XX/XX/XXXX, and I am awaiting a response currently.
Product: Credit card or prepaid card

My card has been showing as inactive for over three weeks. On multiple occasions when the company is contacted, I'm told they are aware of the problem and working on it. no other solution or option is given.
Product: Credit reporting or other personal consumer reports

This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by Bridgecrest on my credit report. Over XXXX late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : Bridgecrest has inaccurately reported over XXXX late payments for my auto loan account to the credit bureaus ( XXXX, XXXX, and XXXX ). These late payments are not accurate, and Bridgecrest has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both Bridgecrest and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), Bridgecrest is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from Bridgecrest to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without Bridgecrests cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have filed now two ( 2 ) complaints against the Bank of America in addition to my other requests for lowering my monthly payments to no avail!

How long does this one of the largest and wealthiest banks in the entire world need to take to come to a decision to help me as the novel coronavirus pandemic has changed everything for my beloved wife and me : we can not because we are in THE HIGH RISK CATEGORY work anymore! 

YET cruelly and brutally the Bank of America is dawdling with an answer if even they shall provide one. 

Meantime my car loan payments are overdue and the Bank of America continues to bill me for them AND for late payment fees and other penalties, including reporting me as in some XXXX  XXXX or XXXX or XXXX intelligence agency to credit rating agencies!
Product: Credit reporting or other personal consumer reports

Had a background check pulled through Trans Union for a XXXX XXXX XXXX XXXX position. Received a copy from the county. There is an inquiry on it which says : " XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX '' When I called Trans Union, I was told that I had applied for a job with the XXXX of XXXXXXXX XXXX  and they had checked my credit- which is absurd because I live in XXXX and am retired and have NO interest in this, I do not plan to work for or even visit XXXX, nor have I authorized anyone to check my frozen and locked credit reports ( all three bureaus ). 

Then the Trans Union rep said " well maybe they offered you a job ''. I said no, this is absolutely the FIRST I have heard of this, I have not seen any job offer, I have not applied for *any* job offer, I don't have an account with them and I don't owe them any money - I have had ZERO interaction with XXXX, and where/how did they get my SSN? 

Trans Union rep could not or would not tell me who had made this inquiry and suggested that I call the city of XXXX and ask them - good luck- he didn't know what the XXXX code was either. 

Then he started babbling about how anyone I have had financial dealings with can pull my credit. I said no, I was a XXXX XXXX  for over 20 years and I KNOW how this stuff works. I have no prior or current business relationship with the city of XXXX, period, not even a parking ticket, absolutely nothing. 

Trans Union needs to give me a proper explanation of this, and it seems they can't be bothered to comply with the well stated legal rules and regulations regarding accurate credit reporting.
Product: Vehicle loan or lease

They are participating in deceptive trade practices. They do not make it clear the CNAC and JD BYRIDER are the same company. The did not make it clear that the vehicle had been in previous accidents. They advertised one price for a down payment then later stated the down payment would be spread out in 4 payments amongst other deceptive acts. The damage the vehicle has previously had had greatly affected me financially. They claim to have an 80 plus point inspection yet the vehicle needed a new battery a few days after purchase. I also wasn't aware the loan was not through JD BYRIDER and was through a 3rd party. I also was not aware there vehicle was collateral for the loan. I was not aware of a lot of things. JD BYRIDER has multiple cases of deceptive practices. Nor was I notified of my right to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified dispute letters to Equifax regarding several hard inquires list on my credit report. Within a matter of days, Equifax sends an auto generated letter stating the information is factual without properly doing an investigation and verifying the information with all lenders that appear on my credit report. The XXXX inquires listed on my credit report are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In or around the month of XX/XX/XXXX, I submitted a CFPB complaint regarding the failed investigation and verification provided by Equifax. Simply stating something is factual without investigating is in violation of the FCRA. I demand Equifax do a proper investigation and verify with each lender as these companies listed did not have my authorization to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently refinanced and in doing so, took out additional cash to pay off my credit cards. 

On XX/XX/2021, I mailed out payments to 12 different credit cards, using the mailing address on the statement and including the statement with the payment ( check was from title company ) All of the payments were applied to the various credit cards with the exception of Commenity Bank. I have 4 store credit cards through Commenity and although they all have different billing/mail addresses, they stated the payments must have gotten lost in the mail. 

On XX/XX/2021 I was required to make a minimum payment on my BJ 's Mastercard in the amount of {$160.00} ( even though I sent a check paying off the entire balance ). A finance charge of {$110.00} was added to my account on XX/XX/2021. 

When the payments were still not received on the 4 store credit cards on XX/XX/2021, the title company cancelled the checks and sent 4 new ones OVERNIGHT. They were sent to a specific address used for overnight payments and sent in 4 different XXXX  envelopes. On XX/XX/2021, 2 of the credit cards ( XXXX Florida and XXXX ), the payments were applied. the other 2 cards ( BJ 's Mastercard and XXXX XXXX ) were never applied. Commenity still claiming the checks were not received. All 4 payments were overnighted to the same address so if 2 were applied, the other 2 should have been as they were all received according to XXXX. 

On XX/XX/2021 the title company again canceled the checks for BJ 's and XXXX and resent 2 more checks, each paying off the card in it's entirety. They sent the payments OVERNIGHT and they were received on XX/XX/2021 at XXXX XXXX  according to XXXX. Commenity is still claiming they haven't received the payments. I am still incurring finance charges and minimum payments on these two cards and I'm at a loss as to what to do at this point. This appears to me to be deceptive practices on the part of the credit card company, especially since the 2 cards they claim to still not have the payments for are the highest balances with the highest finance charges and minimum payments.
Product: Credit card

My husband has Citi XXXX XXXX XXXX. I am authorized user of the card. 

We were paying down this card for a while, not adding any more charges on it. 

Then they had offered a XXXX % interest for a XXXX  XXXX  period promotion. 
So we started using this card again instead of other cards we had. 
Unfortunately It looks like we cant pay it off completely by the end of the promotion. 
Citi card will make money by charging the interest on the amount that we left to pay at that time. 
The silver lining was that with XXXX  % interest charged, we wont go over the credit limit, so no over limit charges will be added on top of bone crushing interest. 
But then as the end of the XXXX  % interest promotions end approached ( XXXX ), XXXX, Citi decreased our credit limit down to XXXX  of what it was. 
So if we dont pay off much more than we planned by XXXX, which will be very difficult if not impossible, and the non promotional interest ( about XXXX  % ) will be added, then well go over the credit limit, then they can charge us the fee for going over the credit limit, too. 
When the XXXX  % interest rates for limited time was presented to us, we didnt or couldnt foresee this kind of trick would be played at the end of the promotional period. 
Credit card companies may argue this is perfectly legal but this isnt fair nor in good faith. 
XXXX XXXX card did the very same thing shortly before Citi card did this. 
So I suspect this is widespread trick credit card company play with, regular, working peoples money, credit scores, and lives. It needs to be fixed. Please help.
Product: Credit card

I receieved an email from XXXX that an account opening was attempted to open an American Express XXXX XXXX Credit Card. A month ago, XXXX mailed me a bill as well stating that someone purchased 3 cell phones under my name and social as well and reported it to fraud. Fraud company didn't provide me the XXXX  nor XXXX address from the individual that opened the account or provide me hardly any details that could be pinpointed toward the suspect and asked to hire a lawyer if I wanted further information. I placed a credit freeze on all 3 credit bureaus after the unauthorized account opening with XXXX and this still happened with AMEX. Not sure how this happens with credit freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My file has been split now for about 3 years. Just recently they half fix it where all my accounts are showing on one. But when I apply for credit it pulls up another file. One that has fraud alert on It. The fraud alert does not even have a phone number. I have been denied credit increases because of this. Keeping my score very low. I have asked them to remove the inquiries that I didnt do. They have not. My file was part of the security breach with equifax. I have submitted police reports and filed with attorney general and FTC. but I still have a split file. I want it merged. They keep saying they only see one. But if I apply for anything it says I have a fraud alert on my file with no number. I am looking into going to an attorney because they have caused me to loose a house loan because of this mess
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. Please find the details below : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX