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

I applied for a new car loan with Navy Federal Credit Union ( NFCU ) in the amount of {$40000.00} with a trade in ( XXXX  XXXX XXXX ) as well as a {$5000.00} cash down payment. I have an income of {$4200.00} per month and my monthly housing cost is {$1000.00}. 
During the application I was instantly denied. I initially thought this denial would be due to my XXXX credit report being locked. I mistakenly forgot to unlock it prior to the application. However once I received the statement of credit denial, the reason listed is " EXCESSIVE CREDIT OBLIGATIONS IN RELATION TO INCOME ''. 
This information confused me due to my DTI being well below 35 % based on information in my application. Additionally, this decision was made without NFCU having access to my credit report. 
I called NFCU for an explanation on my " excessive credit obligations '' and after being transferred to many different representatives, I was told by XXXX who represented herself as a supervisor, that my DTI is too high. I asked for a review and explanation either by phone or in writing as to how it was determined that my DTI was too high and was told that there is no one above XXXX who will talk to me on this matter. I was also advised that there is no recourse or escalation process that will get a response. I mentioned that the decision felt discriminatory without using my credit report or any further explanation on how my DTI is considered too high and was told that no financial institution is obligated to explain. I requested a complaint be filed for suspected discrimination and was told that I may be contacted but no one would discuss the credit denial with me any further and if I wanted an explanation beyond the letter I have, that I had to re-apply for credit. 
I will not re-apply without an actual explanation on the denial in the first place. I would like this complaint to initiate an investigation into the lending practices for NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Product: Credit reporting

Experian is Reporting A Transferred Revolving Credit Card Account From XXXX. Which they have not verified the debt that I owe.
Product: Credit reporting

I just turned XXXX TODAY. XXXX XXXX. and i went to the bank to get a student loan as i had an appointment set from the day before. I get there and they tell me that there are things that are preventing me from getting a loan on my credit report like foreclosure and outstanding balances, XXXX like that. I just turned XXXX today so ive never owned a car or house or been convicted of a crime or any of that stuff that they were talking about so i really dont see whats going on. I start school in a week and I need a place to live, which is why i was at the bank for a student loan so i can pay rent on the first otherwise im out on the streets here in florida fresh out of XXXX. I temporarily live with my grandmother and she 's already packed leaving XXXX to return to XXXX. So I need a place to stay. Like i said i just turned XXXX and have no type of credit at all in anyway shape or form so there should be nothing on my credit report in the first place. I dont even have my drivers liscence so i clearly dont own a car or have any repossessions of any type. As i was trying to access my credit report from XXXX it asked me these questions regarding like mortgage and phone numbers i recently had or something when none of that applys to me AT ALL. I JUST TURNED XXXX TODAY MY DATE OF BIRTH IS XX/XX/XXXX. HOW WOULD I OWN A HOUSE AND BE ABLE TO PAY MORTGAGE. I 'VE NEVER EVEN HAD MY FIRST JOB!!!! I honestly have no idea what 's going on and why i cant get a student loan when i have NO CREDIT HISTORY. how are they gon na tell me about my credit history when i 've never had credit in the first place?!????!?!?!?!??!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?! this makes no sense.
Product: Debt collection

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Convergent Outsourcing XXXX Convergent Outsourcing XXXX XXXX n't have the rights to collect debt in the State of XXXX ? They are not abiding by the XXXX accordingly to the XXXX of XXXX and they was suppose to remove themselves from my credit report by sending a letter stating to the XXXX XXXX XXXX that they need to be removed. 
" XXXX XXXX XXXX section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in XXXX unless the third party debt collector has obtain a surety bond and file a copy of the bond with the XXXX of the XXXX of XXXX. Also, you can not operate in the state of XXXX with a P.O. XXXX '' I am in need of another XXXX to remove them from my credit report please.
Product: Debt collection

original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds.
Product: Mortgage

On XXXX XXXX, XXXX Citizens One issued me a 90-Day Notice to Cure mortgage default. 
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX Citizens acknowledged receipt in the first of several acknowledgments. 
ON XXXX XXXX, XXXX Citizens states that they will request more time if they can not resolve my Error notice inquiry within 30 days and on XXXX XXXX, XXXX Citizens One sends me notification that my inquiry was sent to Office of the Chairman. 
On XXXX XXXX, XXXX Citizens applies funds to my loan account and begins a serious of payment reversals and loan activity. 
On XXXX XXXX, XXXX, despite loan activity and in non-compliance of deadline, Citizens fails to answer my XXXX XXXX, XXXX inquiry. 
Citizens demonstrates a pattern of practice of non-compliance under RESPA, that it continues this non-compliance after issuing me a 90-day notice to cure is exasperating, I implore CFPB to investigate Citizens servicing of my loan. 
On XXXX XXXX, XXXX I sent a sent a written inquiry for failing to respond and request to immediately answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to XXXX Transunion and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered inaccuracies on my Equifax credit report related to my XXXX XXXX XXXX account ( Account No. XXXX ). Despite my prior request for documentation supporting the reported late payments, the creditor only provided a transaction sheet, which fails to meet the legal requirement of verifiable proof that statements were sent at least 21 days before the due dates. This omission, along with inaccurate late payment notations, constitutes a billing error under 15 U.S. Code 1666 ( b ).
Product: Student loan

This is a XXXX XXXX Private Loan which just went back into payment status XX/XX/XXXX when my Bankruptcy was finally discharged XXXX Chapter XXXX ). I made a payment arrangement last summer were I was paying {$40.00} or {$50.00} a month. I started to receive harassing calls from Navient XXXX XXXX XXXX is XXXX Navient XXXX. I did n't know who they were and did n't identify themselves. I finally found out XXXX XXXX and Navient are XXXX and the same, but XXXX hand does n't know what the other hand is doing or receiving. Navient did n't want to honor the payment agreement. I am permanently XXXX receiving Social Security, I can not afford full payments. I received harassing phone calls as did my XXXX year old co-borrower/grandmother, we are both XXXX and ill, we do not need the nasty phone calls. I sent XXXX letters to XXXX XXXX and Navient per the Fair Debt Collection Practices Act regarding no more phone calls, correspondence only, the letters were faxed and mailed. I received a phone call on my cell phone which I told them to remove because I never provided them with my cell phone number nor authorized them to call my cell phone, they left a message on that line, not verifying that, that was indeed the line that I used and after the fact that I sent the Fair Debt Collection Practices Act Letter, this was on XXXX. On XXXX my co-borrower, XXXX XXXX, my grandmother received a call from Navient from a male who would not state his stating he was going to call her all day today and tomorrow, once again after the Fair Debt Collection Practices Act Letter signed by myself and my grandmother was faxed and mailed to Navient on XXXX. The XXXX XXXX letter was sent on XXXX. They are in severe violation. My stress level and mania has increased and the XXXX XXXX and stress level of my grandmother. This is not fair that corporations can take advantage of people. I have done what their " Advocate Department '' has asked me to do as far as providing documents from my doctor to possibly have this debt discharged and I am still being harassed and they are not abiding by the Fair Debt Collections Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I dont recognize these debts.
Product: Credit reporting or other personal consumer reports

There are a few addional inquiries that need to be removed from my credit report XXXX XXXX XX/XX/23 XXXX XXXX  XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 Please see attached identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Account No. : XXXX Amount : {$3600.00} Address : XXXX XXXX, XXXX, XXXX , Texas XXXX Phone : ( XXXX ) XXXX I have disputed this entry for Capital Auto for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Capital One and myself for repayment. The only responses I've received were statements for paymnent. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This was the remaining items that I need to DELETE from my credit reports. Yet none, of the credit bureaus do the job well. And I was hoping that they will remove them like the way they did with my previous first request, however, they didn't and I am trluy hoping that the TransUnion will REMOVE this account the way the bureau did, but no. Now, I'll sincerely ask the Credit Bureaus to once more please help me in removing FRAUDULENT ITEMS from my credit reports. Please see the items below : XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me.
Product: Debt collection

I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Here again is the incorrect information being reported : TARGET/TD XXXX
Product: Payday loan, title loan, or personal loan

I applied on line for loans.  My credit is bad so I received very few offers.  A company called GE Capital offered me a loan of $XXXX.  I told them I would like to take the loan.  Then, they told me I qualified for a government grant.  They said I was on a recorded line and asked me if I would like to take the grant for $XXXX.  I said Yes as long as there was no cost to me.  The company then told me that in order to get the grant I had to pay $XXXX in taxes.  I told them I did not want to take the grant then.  They said they had me on a recording saying I wanted to take the grant and I had to pay the taxes.  They asked for all kinds of fees in addition and ran me all over the town getting various kinds of gift cards which I had to photograph and send to them.  I stupidly sent them approximately $XXXX  worth of cards.  They now keep telling me that the Federal Trade Commission has my file and will not release my loan and the grant funds until I pay a final $XXXX.  I know that I have been scammed.  I just wish you could help put a stop to this so it does not happen to others.  I went online and saw the bad reputation they have.  I wish I had looked before I agreed to deal with them.  Apparently, they are not even affiliated with XXXX XXXX.These incidents began on Thursday, XX/XX/XXXX and are continuing today.  The telephone number that they use to call me is XXXX   It comes up as a Texas number.  The people who call sound like they are either XXXX or XXXX
Product: Student loan

( 1 ) Is SallieMae Education leads us logo a register logo of SallieMae Mae Bank? 
( 2 ) SLM Education Loan Corp is registered to SallieMae Bank correct? 
( 3 ) The FFLEP Application and Promissory Note Consolidation dated XX/XX/XXXX has no Lender Website written. ( 4 ) So the Promissory Note was not sent to SallieMae electronically? The Promissory Note is Read Only and can become typed in only in the Lender Website? The WEB means you can only print the document from the WEB and mail in only. SallieMae has showed no evidence that the Note was sent electronically. SallieMae has only showed the document was printed from the company. There has been several articles and cases were SallieMae/Navient typed fake Promissory Notes. Navient you have given no documentation that the Promissory Note was sent electronically. The Higher Education Act requires the lender to keep an electronic record by establishing a third party to verify the signatures like XXXX  etc.? The Lender also have to keep record of the student PIN number and secret ID? Navient you have not produced any? The Higher Education Act requires all Promissory Notes to be done in the Lender Website? The website would be displayed in the upper right hand corner so the document would be able to write in a secure manner and the third party signature app. Navient I see none. You can XXXX the form XXXX NO XXXX Exp date XX/XX/XXXX ) ) and print the same form but you can not type in it? Only the lender website can make it type in and their is no lender address on the Promissory Note? That is one way makes your Promissory Note a Fake. The Higher Act requires the Lender addresses? Navient produce the signature verification app?
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGENCIES Each year I request my consumer reports from Equifax, XXXX, and XXXX. I request updates but to no avail. Its not only frustrating but a waste of time and money to ask repeatedly for the same information to be either verified, removed, and/or updated. Especially sending an Affidavit of Identity, and copies of two ID cards to verify myself as the consumer. 

a. My request is to have All three agencies update the following information : 1 ) Name : XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX ) Employer : XXXX XXXX XXXX XXXX ( 1 ) Reinserted an address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ). 
( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. 
( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. 
( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. 
( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. 

XXXX XXXX ( XXXX ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. 
( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. 
( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. 
( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. 
( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) d. Equifax ( 1 ) Reinserted an address ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ). 
( XXXX ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. 
( XXXX ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. 
( XXXX ) XXXX XXXX account # XXXX was paid I in full in a settlement. 
( XXXX ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both XXXX and Transunion have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately.
Product: Credit reporting or other personal consumer reports

I want to File auto dealer fraud XXXX XXXXXXXX XXXX None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Product: Credit reporting or other personal consumer reports

XXXX : I have requested that my outdated names, erroneous names such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all erroneous/outdated following telephone numbers reported are old, erroneous : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  employment data reported is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX ERRONEOUS INFORMATION IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRANEOUS /NO LONGER REVELANT EMPLOYMENT HISTORY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : ERRONEOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX