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

Attempted to buy vehicle out of lease. Nissan Motor Acceptance provided incorrect information on payoff procedure. They informed us that payoff could be handled through their office, when in fact payout needed to be processed through a Nissan dealership. 

They instructed us to send them a payoff check. Three different  individuals provided three different payoff amounts before settling on a final payoff amount. We sent them a payoff check for the agreed amount, which they did not apply. When we called to inquire why they had not applied the check, they did not timely provide information as to why. 

We specifically asked if the delay would negatively affect our credit. They informed us that it would not affect our credit. However, without sending us notification, they instead reported us late to credit agencies. 

When we requested that they review our numerous good-faith contacts with them to settle the lease contract, and to review our good payment history, they refused to removed the late payments from their credit reporting. 

Nissan Motor Acceptance did not provide correct payoff amounts to settle our lease contract. Nissan Motor Acceptance failed to provide correct information or procedures to turn in its vehicle. Nissan Motor Acceptance failed to apply funds that they specifically requested from us, and failed to communicate that they had not applied the funds. Nissan Motor Acceptance incorrectly stated that the delay in processing our payoff would not affect our credit. Nissan Motor Acceptance erroneously  reported us late to credit agencies. Nissan Motor Acceptance refused to reasonably review our good-faith efforts to settle the lease contract and correct our credit history.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with Bridgecrest long story short is my account is closed but bridgecrest give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit. It was brought to my attention by XXXX and XXXX that there was a freeze on my Experian credit report. I called Experian and learned someone placed a freeze on my report on XX/XX/2021. I never requested a freeze with Experian. I never gave anyone permission to add a freeze. I had no knowledge there was a freeze on my consumer file. I believe Experian placed a freeze on my credit report without my knowledge and without my consent. This is egregious of Experian. I have since removed the freeze. All telephone calls are recorded and there will NOT be any recorded phone calls of me requesting a freeze. Also, there will be no letters including accompanying personally identifiable information ( photocopy of ID, social security card, utility bill, etc ) requesting a freeze. I demand to know why Experian unlawfully placed a freeze on my report without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with your company ( XXXX ) on XX/XX/18 case number XXXX and Lincoln Financial agreed to update my credit report and remove the charge off from all credit bureaus. XXXX  was the only one reporting charge off. XXXX removed the charge off status in XX/XX/XXXX and placed it back in XX/XX/XXXX. When I contact them they stated Lincoln Financial told them to report it as charge off again. This has caused me problems I am trying to refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Experian Site hack I had to freeze my information. I put the password in the safe. Now I need a XXXX and I need to get a loan. The safe will NOT open. I can not get a credit report to get the loan no one can get them even the company trying to get the credit report! 
I have tried to call ALL the numbers on the experian site the menus do nothing but run you in circles you can not get a live person to talk to to verify you are who you say you are. This was caused by them and they can not answer their phones. 
I say they are profiting from the consumers and they need to make themselves readily available for the public they serve not just make the money and forget the personal service! 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Indiana XXXX Home phone : XXXX cell XXXX
Product: Credit reporting or other personal consumer reports

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  Reporting UCC Financing Statement on Debtors Credit Report File No. XXXX Dear TransUnion, XXXX, and XXXX, I am writing to report a loan transaction involving XXXX XXXX, which was formalized on XX/XX/XXXX, and filed with the California XXXXXXXX XXXX XXXX under XXXX Financing Statement File No. XXXX. I request that this information be included in the credit report of the debtor, XXXX XXXX, for accurate reflection of his obligations. 

Loan Amount and Terms : On XX/XX/XXXX, I provided a loan of {$10000.00} to XXXX XXXX. The borrower is to make three monthly payments of {$3300.00} each, with the first payment due on XX/XX/XXXX, the second on XX/XX/XXXX, and the third and final payment on XX/XX/XXXX. 

Collateral : This loan is secured by the following collateral, as specified in the XXXX XXXX ( Account XXXX : XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collateral Release : Upon full and timely payment of the loan by XXXX XXXX, the collateral will be released to him as agreed. 

I kindly request that this XXXX filing and loan information be updated in XXXX XXXX 's credit file to ensure the accuracy of his credit obligations. 

Please let me know if any additional documentation or information is required to process this request. 

Thank you for your prompt attention to this matter. 

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

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from XXXX, Equifax or XXXX, i did further research on the companies listed below. These companies are not licensed in the state oXXXX XXXX  which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I received my consumer report and found items that are reporting negative. My information has been involved in a data breach and someone has been using my personal info for their gain. 
Please delete this account immediately, because it is affecting my mode of living and is hindering me from obtaining housing. It is causing me mental and health issues. Please investigate and delete the account below from ALL consumer reports for good. See attachments for police report as evidence of my claim. 


1. ) XXXX XXXX XXXX 2. ) COMENITY BANK/VICTORI 3 . ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  **************** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX  XXXX {$3800.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

XXXX payments every month not XXXX! Impossible to pay off with rise credit. Have made numerous attempts to contact them regarding settlement and have been ignored. Payments were always processed a day before the due date. The loan Sharks should be outlawed. They claim interest rate goes down- not true at all
Product: Debt collection

I went to visit the XXXX apartments about 3 times. The 2nd time I went to the XXXX I was told I needed to fill out an application and I did. And she assured me they would not run my credit until I was ready to move forward. After I viewed the apartment she called me and said that I owed them {$35.00}. I didn't understand why she said that cause I was not ready to move yet. It was probably a month latter when I went back for the 3rd time. My girl friend went and spoke with the same property agent looked at 2 different places at the property and called to tell me to go look before making my final decision. I called and spoke to the same property agent who told me she would show me the property as long as I paid the {$35.00}. I went and I spoke to the agent gave her the {$35.00} money order. and then she said I still owed {$75.00}. I needed to pay that before viewing the apartment I told her I was not paying that because I was not ready to move there. Then she told me that if I didn't pay it they would send me to collections. I told her I haven't said I was ready to move in or even submitted a full application neither have I given you the go ahead to run my credit. They have not ran my credit but they sent me to collections with all 3 burrows which has affected my credit score. I found out cause I had to buy a car last week and the rate was hire because of the collection
Product: Checking or savings account

XXXX Loan Care Services XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Office of The Consumer Loan Care XXXX XXXX XXXX during XXXX, XXXX and XX/XX/2023. 
The XXXX XXXXXXXX XXXX did not authorize Loan Care to service my account number XXXX. 
I contacted Loan Care via phone and letter ; they did not respond. 
XXXX is trying to recover the funds. 
The person ( s ) who committed should be arrested and jailed. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is reporting wrong address and will not let me update it It should have XXXX XXXX XXXX XXXX XXXX Tx XXXX as the only address
Product: Credit reporting or other personal consumer reports

I have disputed these unauthorized with the creditors and consumer reporting agencies these transactions are unauthorize inquiries. 

Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Debt collection

This is the SECOND complaint I am filing with the CFPB, and third written request, as Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the three major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accounts on XX/XX/XXXX of this year through XXXX, XXXX and XXXX to no avail. To date, Portfolio Recovery has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a letter stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Portfolio Recovery stated in their response that they have verified that the items listed are accurate but has failed to send me copies of relevant documents that they used to verify these accounts as per my request that tie me to this account. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said they did. Portfolio Recovery 's failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Portfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Account # XXXX open XX/XX/year> reported on all 3 credit bureau 's XXXX, Equifax, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.
Product: Checking or savings account

In XX/XX/2021, my maintenance man got into my office and stole a company check and forged my signature. The check was for XXXX. I went to the bank on the XXXX  morning to file a complaint with Chase and went to the police to file a report. After a few weeks Chase responded that they are not going to help me since I didnt lock my checks in the office. Fast forward a few months, I maintained a relationship with the maintenance man with advice from my lawyer in an attempt to get the funds back from him. He deposited the check into his account in XXXX XXXX  but XXXX closed his account since he did not open it up correctly. He therefore never received the funds. I confirmed this with XXXX and they told me its under investigation. Then XXXX said that Chase should contact them to resolve and if all checks out they would send the money back to chase. I re approached chase with the updated information and they added it to my file. 3 weeks later the Executive office called that they stand by their decision and will not assist me. I told them that I am not asking them to credit my account but to please reach out to XXXX to resolve the issue. They stated that they will not since I didnt lock my checks. I am very frustrated...
Product: Credit reporting

The credit reporting agencies are in violation of the FCRA, section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify these account, and have not.
Product: Checking or savings account

A COMPANY CALLED " XXXX XXXX XXXX '' received reports from SUNTRUST BANK NA ON XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. <P/>They have accused me of improper banking and I never received a warning during the time I had THAT account with them. This agency XXXX can hold reporting information to other banks & financial instituitons for FIVE YEARS. I FIND THIS TO BE A PROBLEM AS I AM A HOMEOWNER AND WILL NEED TO OPEN ANOTHER HOME RELATED BANK PRODUCT. <P/>I HAVE SINCE HAD AN ACCOUNT WITH THEM IN XX/XX/XXXX AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I received my Credit Report from other companies. My first credit score was XXXX, 2nd XXXX, 3rd XXXX ... I have never had a credit score that low in my life, and I'm XXXX yrs old. This credit score came from SageStream , LLC. from California. I feel that this score will affect my other credit scores when it comes to finance from a bank ... I have paid my bills from electric, telephone, other loans & from bank loans ... NEVER, had these companies had to call to collect money or even late charges from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company or Organization : Date began : XX/XX/XXXX XXXX {$3600.00} The date that I discovered it XX/XX/XXXX TRUIST  {$55000.00} XX/XX/XXXX Date that I discovered it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it XX/XX/XXXX {$340.00} Medical {$970.00} I am vicicim of identify theft from the XXXX breach and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I sent some money to XXXX XXXX back in XXXX in three transactions for some products I never got, after trying to work with this seller to get these products the seller blocks me. I then dispute the charges with Paypal who says the charges are legit and that nothing needs to be done. Paypal has also on many occasions allowed people to hack my account and do harm to me, and to my friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I traded in a vehicle to XXXX during the purchase of another vehicle. The loan for the trade was paid in full and left with a XXXX balance yest for the past 4 months the huge balance is still showing owed and negatively impacting my XXXX XXXX and debt ratio. I have asked to please update my consumer credit reports as this is a paid loan and was never late and no money is owed but XXXX has not. Now my XXXX XXXX is dropping and debt ratio is a major factor this is {$24000.00} being incorrectly reported
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against TransUnion 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXXXXXX XXXX survivor and have submitted all required documentation to TransUnion, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, TransUnion has refused to block the items in my credit report that are directly linked to XXXX XXXX TransUnion has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate TransUnion 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel TransUnion to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the XXXX XXXX. I kindly request that this case not be closed until TransUnion has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX XXXX XXXXXXXX