23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had submitted a dispute for XXXX accounts listed below on XX/XX/2024 because all XXXX accounts are closed and reporting a monthly payment, this information is inaccurate. The accounts were all updated on XX/XX/2024 and no changes were made other than the balance and the status, nothing relevant to the dispute. It's been more than 30 days and Experian has failed to enter in A Notice of Dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX By law according to FCRA 623 ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Also FCRA 611 ( c ) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof. 

Notice that I now have the right to seek Legal Action under the FCRA for " negligent and willful failure to reinvestigate ''
Product: Debt collection

As I was checking my credit score. I saw the debt collectors ( GOLD KEY INC ) send a medical debt of {$710.00} I was not aware of.The debt agency did not contact me to dispute the matter in order to see if there can be any arrangement made to have the debt paid off. I received no phone calls and there was no form of contact made to informed me of the debt. I'am filling a complain due to not receiving notice of right to dispute and also for not receiving any letter via mail concerning the debt. I'am willing to work with them in compliance, if they are willing to work with me to have the debt remove from my credit report profile. Thus affecting my credit score. I 'm seeking help because I feel like it was unfair to me due to the fact that I receive no form of letter informing me of the debt or trying to reach me via phone to discuss the matter. 
Thank you!.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Other violations of my rights include violations of 15 usc 1681 section 602a, 15 usc 1681 section 602a, 15 usc 1681 section 604a section 2, 15 usc 1681s-2 a 1, 15 usc 1681c a 5, 15 usc 1681 section 604 & 602. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to EXPERIAN see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or DELETED immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a {$100000.00} XXXX. 
The lady had a total income of {$31000.00} a year. 
She had monthly debts of {$350.00}. At the very most, she qualified for a mortgage of {$61000.00}. 
The US Bank loan officer arranged a USDA downpayment of {$1500.00}. 
Not only was this lady not qualified to handle a {$100000.00} mortgage, she did n't even have any money for a downpayment. 
The appraiser from US Bank appraised this old house for {$100000.00}. It had sold only a few months earlier for {$55000.00}. 
Two years later, when US Bank sent an appraiser to determine the value of the property prior to a short sale, the property could only appraise for {$70000.00}. There were no damages to the property at that time. There are now after a year of being listed for sale. 
After agreeing to let my client do a short sale rather than a foreclosure, US Bank has done everything in its power to prevent the closing of the property. 
Their closing agents always take off on vacation when the various buyers ' loans are approved. 
US Bank managed to obstruct and delay XXXX closings with XXXX different buyers over the course of a year. The buyers were so delayed that they eventually gave up. 
We received a cash offer of {$69000.00}. US Bank sent over after some time an approval Summary stating the costs they would pay. 
As soon as we set a closing date, the new closing agent requested the exact same documents that she had already had and that US Bank had received many different times from myself and my client. She also wanted the same HUD that she had received before. 2 weeks earlier. 
I sent them, reminded her that the closing date was Friday, and asked if she needed anything else. 
Obviously not. Because her auto respond message was that she had left on vacation. 
So on Friday, finally on schedule, we closed and gave the buyer the keys. 
Now US Bank is angry. They are giving the title company a hard time. Is it closed or not? 
What does it profit US Bank to foreclose on this property? Why are they so determined to not settle this matter for good? 
They netted what they wanted minus the XXXX water bill that totalled over {$500.00} after a year of delays.What is their problem?
Product: Checking or savings account

I needed the funds from my PNC accounts I had both a checking and a savings account. I called on XXXX and spoke with an agent that promised to close my accounts but told me there would be a single {$25.00} fee. The agent told me they could file a dispute on my behalf to get the fee waived. On XXXX I called again because only one account was closed. Again the agent told me I would be charged a {$25.00} fee to close the second account but that they would get a manager to waive the fee. I was assessed a second fee. I called on XXXX and spoke to a manager who told me the fee could not be waived. I was contacted by a department within PNC who reiterated they would not refund my fee. The last representative I spoke to, XXXX XXXX, confirmed that my accounts carried no minimum balance requirements. The two customer service agents each had the opportunity to help me get my money without charging me the fee, both agents implicitly promised me I would be able to get the fee waived, and no one at PNC has been helpful at recouping the money erroneously charged in fees.
Product: Credit reporting or other personal consumer reports

Transunion has violated my right under 1681 ( b ). Credit bureau will not provide me a score nor will they allow me to use the portal to dispute inaccurate information. I am being asked for proof of identity over and over which is clearly a stall tactic. 

This complaint relates to Complaints : XXXX XXXX XXXX XXXX XXXX XXXX Correct birthday as it relates to documents! Please review carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX am on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.
Product: Money transfer, virtual currency, or money service

I sent XXXX $ From my XXXX  XXXX XXXX prepaid edd card one time transaction to a friend on his cash app on XX/XX/XXXX on my and it said it failed but then the funds never made it back to my account and its been a while n still havent received the funds back from cash app
Product: Student loan

In XXXX I Attended the XXXX XXXX program at XXXX XXXX in XXXX XXXX Florida. here they were making me pay them XXXX a month as a way to pay off my student loans. this school also promised to get me a job in my field after completion. when I completed the schooling in XXXX of XXXX I was not offered a job or offered to be placed in a XXXX instead when I asked them they directed me to the " XXXX  '' website as well as the " XXXX '' website to look for jobs in my field even after me paying them monthly for my student loans and them promising me a job after completion. in XXXX a few months after my completion and as I was still job-hunting the school had to close down all campuses for fraud. this led my job search to be more difficult due to the fact that no job wants to hire me because of the school that i went to. I am currently 7 years after completing the program and have not been able to find a job for this reason. I am currently working for the XXXX XXXX  and I am a part of the union which gives me 2 free years of college but I can not take advantage of this great opportunity due to the fact that my student 's loans are in default and I am still not working the job that I trained and competed for and nobody wants to hire me for this job because of the school that I went to. I am trying to better my life and get back to school so I can have a good-paying job but these student loans from a school that was closed down for fraudulent activity are not letting me continue to try to live a better and more successful life.
Product: Debt collection

I request the original disclosure of my loan ( cash mart express ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. 
But XXXX XXXX XXXX insist it is mine without any prove or even written notice. 
they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. 
The collection agency must provide me a document to prove validity of debt. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX ( XXXX ) XXXX - XXXX
Product: Vehicle loan or lease

When I first got the lease I signed up for autopay " recurring lease payments '' via instructions from GM Financial. I never cancelled the recurring payments so assumed they had continued like they had for the previous 2.5 years. However, I found out that in XX/XX/2019 the auto payments had stopped ( I hadn't done anything to stop them ) and XXXX XXXX lease hadn't been paid so I quickly jumped on-line and made both XXXX and XXXX payments. I then re-set up auto payments and received confirmation on XX/XX/XXXX that the recurring lease payments would continue like they had the first 2.5 years of the lease with no problems. Well then again on XX/XX/XXXX I was notified that the payment was 40 days late and the recurring lease payments I had set up according to GM Financials instructions didn't take my payment so that day I jumped on line and paid the amount that was showing outstanding. When I called GM financial they said they had made a mistake and that my credit shouldn't have been marked with a 30 day late and they would do a credit correction and to call back in 1 week to confirm. When I called back in to follow up someone on the phone said they wouldn't help me and they wouldn't correct the mistake. I have spent the last 10 years building my credit and paying my bills on time. I specifically set up autopay so that this wouldn't happen, I am extremely frustrated and feel like a victim as the immediate drop in my credit score from no fault of mine will prove to be very expensive.
Product: Debt collection

Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Left note with creditor that information given was incorrect. They are pursuing a debt in excess of the medical debt that was previously owed, and had not sent written declaration of intent to pursue debt. Also, have received a medical bill from XXXX XXXX that said I have until XX/XX/XXXX to pay. 

Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Once more calling in pursuit to the debt, no correction of debt amount or written notice acquired yet. Under the California State Rosenthal Fair Debt Collection Practices Act AND the United States Federal Fair Debt Collection Practices Act, " Collectors may not contact you before XXXX XXXX or after XXXX XXXX '' Looking up reviews from other people about Rash Curtis & Associates reveals this is a common practice from this company.

Telephone call from Rash Curtis & Associates ( Restricted Number ) on XX/XX/2020 @ XXXX Once more calling to pursue the debt, less than one hour after previous call. This falls under the repeated phone call abuse and harassment. Again, another common tactic applied by Rash Curtis & Associates in attempts to collect debts.

The company Rash Curtis & Associates has been under numerous lawsuits for these tactics as they are blatantly ignoring the law in an attempt to collect debts, even when the facts of the debt are in question.
Product: Student loan

After obtaining a copy of my credit I noticed Citibank/XXXX XXXX on my credit file for student loans. First I have no recollection of them ever having my student loans. So I dispute the items with the credit reporting agencies, which the updated themselves as new information. I contacted Citibank/XXXX XXXX requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. Citibank sent me a letter stating the FCRA required creditors to accurately report information to credit reporting bureaus about loan accounts and payment history. That they have reviewed my account history and have not identified any errors and they will remain for seven ( 7 ) years. 
I replied again requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 1-1 of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. 
So since this account was sold to XXXX from the letter from XXXX this account must be deleted. Citibank/XXXX than replies in order for them to review information that I believe has been reported in error, to send them an letter of explanation and a copy of my credit report. I sent them a letter of explanation the first time and they claimed they reviewed it and found no errors, I sent a follow up letter now they want another. Citibank/XXXX know what they are reporting because they are the ones reporting it. I should have to send them information they are reporting when they already admitted to what they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for an investigation because the accounts don't belong to me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ) ASAP
Product: Vehicle loan or lease

To whom it may concern, I visited XXXX XXXX XXXX on XX/XX/XXXX on recommendation from a family member. I was helped by a man named XXXX. XXXX was overly pleasant, I am guessing a tactic that he uses to get a sale. I expressed my need for a vehicle and we went and looked at a few. I finally settled on a XXXX XXXX XXXX. I was told the price and told that I would have to have a down payment to get the vehicle because the banking institution was requiring it. I told XXXX XXXX did not have a lot of money and I really could not afford to pay a down payment of the suggested {$3000.00} dollars that he wanted me to pay. Ultimately, we settled on {$1200.00} which is what I had left in my account after I got insurance. But the violation was not the price the violation was the fact the salesman pressured me into making a down payment for the dealership 's financial gain. As stated, in statue XXXX CFR XXXX ( i ) which iterates XXXX credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financial sale as defined in paragraphs ( d ) and ( XXXX ), of this section. '' In lament terms, I was never supposed to pay a down payment on this vehicle and the dealership has violated my consumer rights. They never explained to me about the my finance charge which is legally defined in 12 CFR 1026.4. This dealership used deceptive practices to get me into a loan that I was not comfortable with and because US Auto Credit is the institution that allowed the loan to go through, they are equally at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they have not responded. The information is damaging to me as a consumer. Per U.S. Code 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EXPERIAN any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft and they never responded to my letter.
Product: Payday loan, title loan, personal loan, or advance loan

I applied to a personal line of credit with Navy Federal Credit Union in an attempt to consolidate more my business with the institution. The range of the LOC is XXXX XXXX XXXX for non service members. Despite having a good salary, very low debt to credit ratio and a high credit score, Navy Federal provided a {$500.00} credit limit. I inquired if a reason behind the decision could be provided. Navy Federal reps could not give that information and instead advised that if I accepted the terms I could then request an additional increase. I reluctantly took the offer, went back through my credit report and found nothing consistent with this reasoning given my very high credit limits granted by other financial institutions. I believe this should be looked into after hearing about NFCUs class action for mortgage denial rates against XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Product: Vehicle loan or lease

When I left the military, I was trying to get things in place. I had to stop paying my car loan and notified I was going to be late as I was going to the VA to get my XXXX and all of that just be patient as I knew I would get back pay. My car was repoed. No way I was going to get the car back with no money. Years and years passed, the account is closed and i am still being reported not current. Mind you, I have paid off two vehicles in that time. I am trying to buy a house and I can not have late payments. I called them about this because the account is closed and it has been in repossession since XXXX. The lady said the car was sold ( was not verified ) she sent to a dress I have not lived in for years. She then send it to my current address and says if I pay the amount today of XXXX which the car was sold for, that will satisfy my account. I can not just pay that. It is the only thing hindering me of buying a home. I just would like it deleted as this has been poor communication on their end. This company preys on service member who just get started with their career in service especially families as a car is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX  XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.