23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

LVNV Funding LLC alleged that I have a debt that is 9 years old ( last payment date was XXXX/XXXX/2006 - enclosed LVNV1.pdf ). I repeatedly told them not to contact me for that alleged debt. I have filed XXXX separate complaints with the Bureau of Consumer Financial Protection ( BCFP ) last year. LVNV promised not to contact me. Nonetheless, they established another company named " Resurgent Capital Service LLC '' and continue harass me with unwanted mails sent to my address.
Product: Credit reporting or other personal consumer reports

According to my credit report in Transunion my student loan balance is at XXXX dollars but the studentaid.gov website is already showing a decrease on my student loan for XXXX dollars since qualified for student loan forgiveness. But for some reason this information still not updated in Transunion. See attached proof obtained from my XXXX XXXX account. I also received an email from XXXX ( my loan services provider ) saying that due to the volume of accounts that need to be updated is taking them longer to update my credit report but that will be updating my information soon. 

Also, there is a balance of XXXX from a company XXXX XXXX XXXX, I believe they are representing XXXX XXXX XXXX XXXX. I took the class only the first week and I dropped off the class because I was going through a XXXX  XXXX situation at home and I was not able to concentrate. I also, received a document from an organization letting me know that according to the Statue of Limitation of the state of New Hampshire I was not under no obligation to fulfill the debt owed because the time has expired. I have already filed a dispute with Transunion via XXXX XXXX but I guess they are still working on it. I have misplaced the document mentioned previously but I have already verified the information through XXXX. According to XXXX the Statue of Limitation for Student loan in the state of New Hampshire is 3 years and is that is the case I took the student loan around summer of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.
Product: Debt collection

On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is $ XXXXThey also never gave any material disclosure disclosing I have a right of recession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Experian about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX  XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.
Product: Debt collection

I have gotten probably a call a week for the last few months, and I just did a credit report and I dont have any outstanding debt or collections after me. They never leave a message and when I call back its an automated message saying to standby
Product: Student loan

Navient has submitted a 90 day late payment to the credit reporting agencies. Currently, I am almost 120 days late but the only option Ive been given is to pay {$1600.00} to become current. I do not have {$1600.00} and I dont have the ridiculous amount of money that they are asking me to pay every month. They are no longer giving me any options for forbearance, as I have exhausted that option. They continue to add interest to the principle and I currently owe 5 times more than they loan I took out. Please help!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting 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 a reasonable cause to believe that the information is inaccurate.

Also, there are credit inquiries on my report that I dont recognize.

These inaccuracies are stopping me from getting a house and a car for my family.
Product: Credit reporting or other personal consumer reports

Experian and XXXX failed to conduct a reasonable investigation and in a timely manner when i disputed the information. 
1. Date of Last Activity according to XXXX is XX/XX/XXXX and according to Experian is XX/XX/XXXX furnishing inaccurate, unauthorized and incorrect information. 
2. Date Opened according to XXXX was XX/XX/XXXX and according to Experian XX/XX/XXXX again furnishing inaccurate, unauthorized and incorrect information. 
3.Account Charged off as bad debt Dispute resolved ; reported by grantor whereas Account was in dispute- now resolved - reported by subscriber.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I returned a voicemail message from Mariner Finance. I  took a loan out with them by cashing a check they mailed me, so I assumed they wanted to verify my personal information, etc. I spoke with XXXX XXXX, Assistant Manager at the office location of XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. She advised I had {$500.00} available now in additional funds but if I needed more then we could do an application for review on a larger amount. I told her no I did not need more than the {$500.00} that would be fine. She proceeding to verify my personal information and then asking questions like you would be asked doing an application. I stopped her and said I thought you said we didn't have to do an application for the {$500.00}? She said I just have a couple more questions. She then asked when I wanted to close on the additional funds that would be added to my loan, in office or over the phone. I said over the phone and she said I'm sending you an email requesting the documents needed to finalize the loan. I received an email shortly after from XXXX XXXX altering me my credit was pulled. I responded to the email she sent me requesting the additional documents and advised I did not have access to some of the documents due to COVID and working from home and for her to confirm she did not pull my credit and requested she cancel the loan. She advised " I apologize for the misunderstanding. I started out by saying that we would need to update your application '' in order to do a renewal either in office or over the phone. We can still decision the application but I will make a note that you no longer would like to receive the additional funds. '' I responded to her by saying I did not give authorization to pull my credit and she stated the {$500.00} was available to me but if I wanted more then she would do an application and I would not have proceeding knowing my credit was being pulled and the inquiry needed to be removed from my report. She did not respond to that email, so two days later on XX/XX/XXXX I sent another email to her advising I was waiting on a response to my email from XX/XX/XXXX and if she was not able to confirm my credit was not pulled and the if so, the inquiry removed to have her supervisor contact me. I still have yet to get a response to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX  XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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: Mortgage

Me and my mothers are VICTIMS of lender negligence and malpractice. Navy Federal Credit had -Wrongful failed to honor a loan commitment
; -Deliberately creating numbers in Underwriting to create a high dti which did not exist - Improperly changed terms and rates without giving proper notice or following proper legal procedures ; - Breached a fiduciary duty to close knowing our deposit would not be returned if defaulted on closing. 

My mother and I complained to CFPB on XX/XX/XXXX ( online XX/XX/XXXX # XXXX ) when there still was a chance we could still get the townhome if NFCU cleared XXXX as the selling price. I emailed XXXX XXXX and 5 other managers on XX/XX/XXXX no response to emails or calls. A guy from security told me to stop calling and I would receive a letter. My closing attorney XXXX XXXX XXXX XXXX had spoken to XXXX XXXX before who said the head underwriter was reviewing and would get back to him, and did not. So XXXX sent her a letter & email to warn her that the seller had a cash buyer and would be keeping my deposit. No response, so the townhouse was sold on my birthday XX/XX/XXXX. A week after we receive a letter stating loan declined because of dti. This was a false claim as we have emails and documents of the rate lock, all tasks completed and we had certificate approval from the HOA. There was no legal reason not to close and we were discriminated. 
My mother is devastated as we had to move our belongings into storage as we moved XXXX from XXXX XXXX XXXX  for the scheduled closing on XXXX. NO ONE at NFCU has followup or even called the closing attorney. We had to hire another lawyer to file a lis pendens but it was too late, so we lost {$1000.00} more retaining attorney, then {$2000.00} mortgage processing fees and none of this rejection made any sense. At the time of closing we had over {$300000.00} in NFCU savings and the mortgage was for {$360000.00}. 
We have a low dti as we have homes paid off. My mother was downsizing into her dream home when the rates were XXXX %. Now the value of the home is $ XXXX and rates at XXXX %. We did not want any lender, we wanted loan where our money is saved for autodeposits. It makes no sense how a XXXX XXXX XXXXXXXX who just lost her XXXX husband can get denied and left homeless. NFCU should be penalized and forced to pay us to purchase a comparable home because this error was a major defeat. XXXX XXXX real estate is hard to acquire, and a waterfront townhome under {$500000.00} will never find again.. it was a once in a lifetime opportunity because I knew the HOA president . There was atleast 4 offers on that house the first day it listed. 
We are very dissappointed and hurt by NFCU and how loyal clients are treated with no value or respect.
Product: Debt collection

I placed a bed on the XXXX site, and a person originally purchased it. I mailed the bed to the person, upon receiving the item, the customer changed her mind about the purchase and subsequently was supposed to send it back. Therefore, a refund was processed on the account. However, the bed was never returned to me. Even though, I had tracking information from United States Postal Service, it never showed up. I was informed that the bed was lost in transit by the USPS. 

I paid for the shipping costs when I sent the bed to the buyer, and the customer should have been responsible for the shipping costs to send it back to me. The issue still remains, I never received the bed from the customer. 

XXXX has sent me a bill for shipping costs for a bed that I never received back. Further, there must be a mistake about the shipping charges, as I sent the bed originally to the customer for a much lower price. 

I have spoken to XXXX  on several occasions about this issue and have gotten nothing less than the indifference to my concerns. 

I do not feel as though I am responsible for the shipping costs that appear on the notice that Im sending you. I would appreciate if you folks could provide some assistance with this nightmare issue.
Product: Credit card

Ensuring timely payments on this account has always been a priority, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be corrected.
Product: Mortgage

XXXX XXXX XXXX XXXX initiated XXXX ach transactions that werent authorized by me for over {$8500.00} in mortgage payments. Mr. Cooper has not communicated with me or any of its customers, and thousands mortgage customers have been affected. Im trying to work with my bank, XXXX to reverse the charges. They too have no idea what happened and no security checks were in place by chase to stop this from happening.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, XXXX, and Equifax is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Solutions is reporting derogatory on my credit report, for a zero balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XX/XX/XXXXXXXX  in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that XXXX has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. XXXX at this very moment is costing me financial hardship and continues to do so after allowing XXXX  XXXX  to open credit in my name during a time that a fraud alert was put on my credit report. XXXX removed the XXXX  account but later allowed XXXX XXXXXXXX a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXXXXXX XXXX XXXX Please dont allow XXXX to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting XXXX deletes accounts from XXXX XXXX  that were sold to XXXX XXXX XXXX and any other agency as well as these accounts from IQ international.