23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A notice was sent to Nissan Motor Acceptance Company LLC, requesting to validate the debt for Acct # XXXX. I received notice on XX/XX/2023, from Nissan Motor Acceptance Company LLC stating that my debt had been sold to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, PA XXXX. 


Section 604 of the Fair Credit Reporting Act ( FCRA ) states that a creditor can not sell your credit information to a third party without your permission. This includes your credit report, your payment history, and any other information that the creditor has about you. 

I never gave Nissan Motor Acceptance Company LLC to sell my credit information. This is a violation of the FCRA. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC, to stop reporting negatively on my credit report. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC to remove itself from my credit report and to notify all ( 3 ) Credit Bureaus Despite, the debt collection being listed as a charge-off and sold to a third party without my permission or knowledge. Nissan Motor Acceptance Company has continued to report late payments to the ( 3 ) Credit Bureaus. 

This is another violation of the Section 604 ( a ) of the FCRA. Once a debt has been sold to a third party, the original creditor can no longer report late payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with Ally and XXXX XXXX has been ignored.
Product: Debt collection

Fair Collections & XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Cease and Desist Reporting of Unauthorized Account Information Pursuant to 18 USC 8 , 15 USC 1681b , and 15 USC 1681 Dear Fair Collections & Outsourcing, This letter serves as formal notice regarding the account in question reported under my name : Original Creditor : XXXX XXXX XXXX Amount Owed : {$16000.00} Account Status : Unpaid Date of Assignment : XX/XX/XXXX Balance Owed : {$16000.00} XXXX hereby dispute the validity of this alleged debt and the manner in which it is being reported. Pursuant to 18 USC 8, I affirm that I owe no debt to your company, XXXX XXXX, or any affiliated entities. Additionally, your actions are in violation of my consumer rights as outlined in the following statutes : 15 USC 1681b ( 2 ) : You have no permissible purpose to use, access, or report my personal information for the purposes of credit reporting without my explicit authorization.

15 USC 1681 ( 4 ) : You are prohibited from reporting or disseminating information regarding this alleged debt without valid proof or my permission. 

As such, your continued reporting of this account constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, I demand : Immediate cessation of any reporting of this account to credit reporting agencies. 

Full reinvestigation of this account as indicated by your current status update dated XX/XX/XXXX ( " Consumer Disputes This Account Information Reinvestigation in Progress '' ). 

Complete documentation proving the validity of this alleged debt, including but not limited to : Original signed contract bearing my signature. 

Proof that this debt was incurred legally and is enforceable under applicable laws. 

Evidence of any payments allegedly made or owed. 

If you fail to provide the requested validation, you must immediately cease all collection activities and remove any associated information from my credit report. Be advised that non-compliance may result in legal action against your company for willful violations of federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WITH ACCT # XXXX OPENED ON XXXX WITH A CREDIT LIMIT OF {$3700.00} -THIS IS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Hi, We were first approved for a HELOC with BBVA Compass bank and then rejected inspite of having impeccable credit and spotless credit history because we are " not US citizens ''. We already have a XXXX mortgage on our home and have never been late, missed any payments in our life. We applied for a loan ( and declared that we were not US citizens from the beginning of our application ) of XXXX and were approved for XXXX. Then when we were about to close we received a denial letter and the Mortgage broker told us that we were denied because we are not US citizens. From our standpoint, this is discrimination by a bank claiming to be Equal Lender, based on country of origin.
Product: Credit reporting or other personal consumer reports

I sent a notice to Experian about the accuracy of a XXXX XXXX charged off account reporting on my credit report. I asked for the proof of notices that were supposed to be sent out, signatures and proof of a 1099-C, which means they wrote this debt off to the IRS known as a charge off on the credit report. Even though they have written off this debt and are no longer obligated to the account, it is still reporting negatively on my report.

Experian has failed to properly look into the accuracy and the validity of this account from the investigation I initiated. Experian has lacked to give any proper documentation as proof that they did attempt to make a thorough investigation that a consumer has the rights to obtain.

Experian simply left these remarks on the account and no other, " The incorrect account with XXXX XXXX XXXX XXXX that starts with XXXX  has not been changed and will remain on your credit report. Account previously in dispute - investigation complete, reported by data furnisher. This item was updated from our processing of your dispute in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was in mall to shop for XXXX gifts and this XXXX asked if I would like to try sample Of cream. I went in tried she wanted to sale it to me i went to register to purchase and then changed my mind told her it was to close to XXXX to make a big purchase and i assumed she canceled transaction at this point. She the salesperson stated i was the boss that she would put in a bag for me to go shop and think about it and if i wanted it she would through in a facial for me too. Me and my XXXX left and we finished our shopping at end of day i went back by store and told XXXX thank you for helping me but decided i did not want product but ty anyways she said there was nothing she could do it was already charged and i could not get refund. I stated what do u mean i never took anything out of store to refund. She stayed that was policy. I stated i was never told that and i never took anything out of store anyways. I asked to speak to supervisor. She pretended to call supervisor on phone but she would not let me speak to them. I told her it better be taken of my card and i was calling my bank. Which is bank of America credit card. I called my bank they said transaction had to go through then i could dispute which I did. They contacted company and they told them their policy and BOA recharged my card. I called again to explain to BOA that i never received product and took nothing out if store so basically the salesperson could have taken product home with her because i never took anything out of store. They said they would have supervisor contact me and nothing has been resolved. This is fraud. I never took anything out of store and XXXX of associates of BOA even tried to contact the store and they would not return her calls. I should get a refund back to my card. The store was XXXX in XXXX NC at XXXX XXXX. I have no way of contacting them or name of salesperson. Transaction date was XX/XX/2021. This still has not been resolved. BOA has not protected my best interest and i have been a loyal customer for XXXX plus years. I cant even get a supervisor to call me back. I want to pay my card of except for the charge XXXX the amount that was charged to me for product i did not receive and then cancel my BOA card but If i do that however that would continue to incur finance charges and hurt my great credit. I just would like someone to help me get credit to my card and this not happen again to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the credit reporting agencies for continued violations related to the account XXXX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over XXXX months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : XXXX and XXXX report a high balance of {$0.00}. 
TransUnion reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over XXXX months, neither XXXX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609.

My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by XXXX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX months of disputes is inexcusable.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX NSS. XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

All of my personal information has been exposed in the recent AT & T data breach, there were several accounts that were opened fraudulently without my authorization that range from XXXX to XXXX dollars. The accounts consist of of lenders such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition there were between XXXX to XXXX attempts to apply for loans as well per my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX5 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion s handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my TransUnion 's credit report : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX account numbers XXXX and XXXX Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : 1. Sham Investigations : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected.

TransUnions actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA.

Sincerely, XXXX XXXX
Product: Credit card

I have been a Costco Member using this credit card since XXXX. 

In XXXX 2024, I filed a warranty claim with Costco for a mattress purchased from them with XXXX year warranty for {$550.00} purchased in XXXX 2017. 

Costco, sent me a replacement AND charged my card for {$620.00} Costco notified me via email that they would refund me upon pick up of the defective item. 

They have not picked it up, and they have not refunded me. 

My new phone # is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made a transaction of XXXX USD ( for payment on my student loan ), and I received the email confirming the transaction was approved and is processing. On XX/XX/XXXX, my account was debited with XXXX XXXX. But on XX/XX/XXXX, my account was closed, and it was not communicated to me until I contacted customer services. The reason was that I tried multiple transactions that were getting failed. This was not the error shown while I was trying to make the transactions. The error on the app was " something went wrong. Please try again. '' The customer representative told me that the transaction was getting failed cause I didn't have enough funds in my bank account, which is incorrect ; I had a sufficient balance in my bank account. I have my bank statement proving this. 

The customer representative said that the amount XXXX is not received for the transaction, whereas my bank account shows that the amount was debited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to provide false and misleading verification to credit agencies XXXX, Equifax XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, XXXX XXXX has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have had multiple hard hits to my credit in the last couple of weeks and I have not applied for and new lines of credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

From time to time, I try to cash a check from Wells Fargo and every time I need to show XXXX IDs, talk to an agent, listen to his solicitation speech ( " open an account '', " joint your husband 's accounts '', or both! ) and then I am allowed to cash the check. It is a waste of my time and I find it very intrusive. The check amounts are below {$500.00}, so it is not a safety issue, it is a solicitation hassle. This is the proof : I had to go today to the branch because yesterday, in the drive thru, they did not want to cash me the check. I offered the XXXX IDs but they still told me I had to stop by the next morning to talk to the agent! I have to always answer if I have an account with them and if not, if I am want to open one. I do n't want anything but cash my check in a simple, speedy transaction!
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I contacted OneMain for any payment options in which I thought would not be successful. However, I spoke to XXXX that hurried through a deferment options but needed me to sign the deferment documents. I was trying to read the documents however the process was rushed. XXXX stated all I needed to pay-was {$180.00} and told me to call back once I talk to my son. Usually, when the customer had to pay the deferred payment and sign document. However, I trust everything was ok but the information was different than XXXX told me. I was told for my XX/XX/2021 payment a deferment would be done and all I needed to pay was the XXXX. When I called back to make the payment, XXXX stated I needed to pay the exact of {$180.00}. He could not explain why there was balance of {$35.00} I still needed to pay for XX/XX/XXXX. I told XXXX the documents signed should redone because it does not agree with I was told would happen. He stated XXXX was at lunch and sent him a message to contact me once he return from lunch. I feel when you are handling loans or anything that could affect a customer financial, the process nor the customer should be rushed so they can go to lunch.