23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. filed a lawsuit on XXXX XXXX XXXX behalf then Peroutka, Miller, Klima, Peters, P.A. shared my personal information with Klima, Peters & Daly P.A. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, Peroutka, Miller, Klima, Peters, P.A or Klima, Peters & Daly P.A. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection XXXX c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. illegally shared my personal information with Klima, Peters & Daly P.A. and all obtained and are in possession of my personal information without my lawful authority and Peroutka, Miller, Klima, Peters, P.A. and Klima, Peters & Daly P.A has used such information and illegally attempted to collect an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion disabled my login. Stopped online logins. 
Could not comply with a soft copy of my credit report. I was actually told it was illegal to mail me a report to my XXXX  address. Since my last report was dated XX/XX/2022- they are telling lies. 

Phone agent was also rude and kept talking over my replies. would not connect me to her supervisor. 

XXXX also doesn't work for my location either. 

It appears Transunion can't sent send me a credit report at my address or online. XXXX XXXX have the right to receive credit reports even if they live overseas. 

Told to call back at XXXX from XXXX XXXX XXXX
Product: Vehicle loan or lease

Got a XXXXXXXX XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX XXXXXXXX XXXX 
I purchased extra benefits such as tire and rim coverage, special internal and external protection. I purchased home electric charger. Included with the lease was a contract with electrifying America to ensure I didn't have to no longer pay for fuel or for anything additional other than regular maintenance. 
Their was several recalls, but none of the dealerships have loaners nor do they have the parts or the techs to service these vehicles. Any time the car has to go in to service or for any issues it takes extremely long to get your vehicle returned. 
I got an electrical malfunction default code and the vehicle stated to contact dealer. I had the vehicle towed on XX/XX/2023. I had to call every week serval times a week to get updated, which most of the time was no information. Each person i spoke to had no answers in the status of the ETA of when I could get my vehicle back. I had no car to drive and was forced to get cabs, ubers, lyfts, or hitch rides. My car not is XXXX. 
This was affordable and within reason considering not having fuel and oil change and other maintenance costs. However, I've spent over XXXX in getting my family transported as well as an additional XXXX in fuel. And I still don't have a ETA when I'll receive my car back. I no longer want to pay the note and insurance and other monthly expenses for the lease and I do not have possession, nor have no way of knowing when I can get back. This is unfair, one service persons response to me asking when will I be able to at least get a loaner as I Can't keep paying for rentals and extra rides for my family, he said, no time soon, his name is XXXX works at the dealership in XXXX. I only prefer to take my car to the dealer i purchase from to get the perks and benefits that you should get from going to your " home dealer '' but that's no the case. I initially took the vehicle to XXXX XXXX hills but when they got it in they told me it would be months. I then contacted XXXX and they told Ms they would diagnose it has week. It's been months And I still don't have my XXXX XXXX. I want to be reimbursed for my inconvenience all the fuel, the lyfts/ubers/turos the rental cars I've had to get. Not to mention paying my note and insurance for months without access or possibility of operating my car or even one that was comparable. I've been taken advantage of and I'm not being treated with fairness. I feel my rights are being violated. I've never been late, all of my end of the deal I've kept my end XXXX has not kept the contract we agreed to
Product: Credit reporting, credit repair services, or other personal consumer reports

Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my Equifax report from XXXX XXXX XXXX I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a loan officer at XXXX ( XXXX ) He told me he could look at my application and job without running a hard credit check. He ran the credit check and later sent me an application to complete to cover self. I received an alert about the check, and it sent my score down by XXXX points. I had a check by another mortgage company already. I called XXXX XXXX texted him and email as off this day XX/XX/XXXX I have received no response. I called on XX/XX/XXXX and the person hung up in my face and afterward I called a couple of times, and they hung up. I have talked two other people who stated they would get back with me but has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! 
I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these XXXX entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Product: Checking or savings account

I opened a Wells Fargo account XX/XX/XXXX after trying to take advantage of their XXXX account - a digital banking product. XXXX continued to invite me and offer a {$150.00} bonus for signing up, however I was told repeatedly to go into the branch to verify my account. 

The branch was unable to find a department to verify the account, but instead offered me their Everyday Checking account- which I was promised would come with the same fees/bonuses/benefits as XXXX. This was clearly a lie, as its already been shown that Wells Fargo branches will do anything in their power to open an account for a customer- whether they wanted it or not. 

The account worked, however monthly fees began to accrue during the Pandemic. Additionally, I never received a {$150.00} bonus or the promise of NO overdraft fees as the entire nation was - quite literally - shut down and money wasnt flowing as usual. 

After expending multiple hours on phone calls trying to get the original offer - I simply gave up. In XXXX of XXXX I had a transaction with a merchant - XXXX - that wasnt delivered. A dispute was filed with Wells Fargo that showed no delivery, no valid tracking number, and no cooperation from the merchant. Wells Fargo originally provided provisional credit and then reversed it when the merchant replied to the dispute with no proof of delivery. Wells Fargo closed the dispute and despite requesting the documents they relied upon for their decision - as per Regulation E- they refused to do so. I closed the account, and now Wells Fargo is erroneously reporting a {$98.00} negative balance - despite the number not even coinciding with the amount of the dispute. Further, a later transaction with XXXX would show that they refunded that order. 

Wells Fargo has engaged in a string of fraudulent behaviors towards a consumer, and this complaint should be resolved immediately.
Product: Vehicle loan or lease

My daughter purchased a vehicle through GM Financial in XXXX on her own and it was repo. in XXXX. 
Her vehicle us showing up on my credit reoort within my bankruptcy and I never had an account with GM Financial. 
They fraudulently repo. car with up to date payments on it, and refused to give her the car back. 
None the less it was my daughter car not mine. 
GM Financial also resold the car for what was owed, and they keep popping up on my daughter credit, she keep having them remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries
Product: Debt collection

I am being charged for an alleged debt, and I never entered into a contract with Merchants Credit Guide. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a nationwide system glitch during which all my credit inquiries were removed. Transunion failed to provide me a written notification of the glitch. Few days later all inquiries including some that I did not recognize were reinserted to my credit file without written notification. 
The law requires Transunion to provide a written notification anytime it encounters a system glitch. Transunion failed to do so. 
When contacted, transunion fails to own the responsibility and the representative is of no help. 
I would like transunion to remove all my hard credit inquiries as it has failed to notify me of the system glitch and reinserted additional inquiries that I do not recognize.
Product: Debt collection

To Whom it may concern As the origian creditor ; Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same under 15 USC 1602 ( l ) which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Also pursuant to 15 USC 1692d ( 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property or any person. William and Rush has threatened to garnish my taxes to in which I am the consumer and they have violated my right to privacy ; pursuant to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. 


- William and rush associates ( acct : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX removed {$990.00} from my checking account. The money was sent to a XXXX XXXX XXXX XXXX XXXX in California. The money was sent using XXXX/PNC. Ive called and emailed PNC several times with out results! This is XXXX/PNC fraud !
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information. 

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that the credit agency complies with the law. Specifically, I request the following actions be taken : Enforce obligation to remove the inaccurate accounts from my credit report, as required by 15 U.S. Code 1681s-2. Be held accountable for their failure to respond to my letter within the mandated 30-day timeframe. It is crucial to protect consumers ' rights and ensure the accuracy and fairness of credit reporting.
Product: Debt collection

This is the original text " This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) account. Visit portal-XXXX XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC will not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. SOG Ref # XXXX Reply STOP to opt out. '' I have received some version of this text on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX [ in this text they provided me with an amount XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I have not had a XXXX XXXX account for at least 20 years and even then I don't believe I have had one. Also I have never received any mail at my address. I will not contact this company because I believe they are trying to commit fraud. XXXX XXXX said they have no record of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX Is reported improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed under ( Creditor ) related to " TAX liens '' do not belong to me. I've been working with the state to have them removed for quite some time. I contacted the state comptroller office and they have nothing on file related to this matter. LexisNexis provides background investigation related to credit reports vai XXXX XXXX  XXXX XXXX from XX/XX/2020- XX/XX/XXXX they have provided incorrect data related to my credit history. 
Due to this I have been disqualified from working for an agency.
Product: Student loan

I cosigned a student loan in the amount of XXXX in XXXX for my adult son XXXX XXXX .He was attending the University XXXX XXXX as a graduate student at that time. My son requested me to sign for one loan. He signed for 2 additional loans of XXXX and XXXX. These loans were fraudulently signed in my name. My son XXXX XXXX obtained these loans by placing my name on them without my consent. I have contacted Navient and they refuse to release me as a cosigner from these loans. I am permanently XXXX noted by Social Security since XXXX of XXXX. I filed bankruptcy in XXXX until XXXX. We completed a Chapter XXXX Bankruptcy plan including my spouse. Navient contacted me in XXXX of XXXX and I stated to them I have been XXXX and not able to work since XXXX of XXXX. Navient sent me papers to request for my loan to be discharged. I fill out the papers and requested several doctors to fill out the details of my XXXX so that Navient could release me from the obligations of the student loan that I cosigned with my son. Now I am being harassed everyday by Navient via, email or phone. Navient contacted a neighbor to try and harass me on XXXX/XXXX/XXXX. Navient refuse to accept my letters stating I am unable to work due to my multiple XXXX. I agree that Navient needs to be paid by my son. He borrowed their money and used it for his educational purposes. I never physically signed a contract with Navient. I never cashed a check that was sent for any loans from Navient. I have sent my son a letter from Navients website to sign to release me as a cosigner. This company refuses to honor federal standards for students loans. I have wrote my local federal representative regarding Navient practices.
Product: Prepaid card

I filled a complaint with you previously this month on them sending my XXXX XXXX XXXX  for my XXXX XXXX  son to me via XXXX and the XXXX person just left card on my door step and card was stolen with all my son 's benefits on it for this month so I cancelled that card ending in XXXX and received a replacement card only to find out all my son benefits were gone so i submitted my paperwork to the company with in the 10 day time frame only to find out the sent my XXXX  to a assigned advocate that i have tried numerous times to no avail to reach about this then today XX/XX/2023 when it woud be last day to give me provisional credit they have closed my case and found against me i don't see how they can come to this conclusion when on my paperwork i clearly submitted that XXXX was taken from me then the agent tells me that i filled claim for XXXX i told them i don't know where you got that number from i put in writing XXXX so i dont understand how this is being investigated properly I feel the company rushed to judgement and never considered that they are wrong for not having someone sign for my card as it's important to customers to know that when they deduct money from us for this faster service that we will be safe knowing our benefit wont get stolen
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Payday loan, title loan, or personal loan

I sent an email to the company requesting that they do not call my job and they are still calling.