23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware that someone has been using my social security number to open checking accounts, lines of credit and car loans. There has been multiple applications to companies i am not associated with and the amount of inquires on my report are starting to hurt my score. 

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

According to my most recent credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
Product: Debt collection

In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Product: Checking or savings account

On XX/XX/2022 I received a call from Wells Fargo with a person telling me that they have suspected unauthorized transactions on my debit card in XXXX at XXXX and I live in Georgia, after telling them that was not me in XXXX the person said they needed to shut the card down and would need to send a code to my phone to verify the request. 

After sending the code I read the code back to the person which this is something I've experienced before with Wells Fargo after being with them for XXXX  years so I didn't suspect any fraudulent activity, once I got off the phone with the person claiming to be from Wells Fargo I tried to login to my account and noticed I couldn't because my password had be changed so I called back to Wells Fargo and explained to them about the call I just received and they told me that was not them and they needed to file a fraud claim, then the Wells Fargo representative tells me that a wire transfer of {$23000.00} had been made through my account and I almost passed out so I stopped my work and immediately went to the closet Wells Fargo and spoke with a small business manager. 

Once we were able to get back in my account I saw that a wire transfer of {$23000.00} was pending and the small business account manager told me not to worry because even if the wire transfer goes through they will put the money back in my account well on XX/XX/XXXX I called the fraud department to get the status on my claim and the representative told me my claim was denied because I gave authorization for the wire transfer but I didn't even know about the wire transfer until they told me after I received a call from Wells Fargo with the EXACT PHONE NUMBER that's on back of my debit card that started with debit card fraud at XXXX in XXXX to a {$23000.00} wire transfer.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and Im completely baffled as to why this is happening. I check my credit report regularly, and this has never happened before. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts are still there. Im begging for the documents Ive provided to be reviewed thoroughly so I can stop living in constant worry over this.

This morning, I saw inaccurate accounts listed on my credit report, and Im completely at a loss as to why theyre there. I regularly check my credit report, and its always been accurate until now. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The incorrect accounts remained, leaving me deeply concerned. Im pleading for the documents Ive provided to be reviewed thoroughly so I can finally put this nightmare behind me.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX I had purchased a XXXX XXXX  XXXX they picked the car out for me first of all. I purchased their insurance witch had a 7 day warranty on it. So the car was driving fine for a few days then the 5th day I had it my motor blew out while I was on the highway with my brother my childs mother and child in the car so I got it towed to the mechanic I paid witch shouldve been paid for through the company from the warranty insurance I purchased they send the car to a different mechanic which was ( XXXX XXXX ) so ( Right away ) where I got the car from told me they had order another part for the XXXX so they put me in loaner car which I had wrecked no serious damages Months are going by now I called ( XXXX XXXX ) and they told me they couldnt fix it. I called ( Right away ) to let them know .so they sent the car to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. XXXX told me that they wouldnt fix it because the car had been up there before for the engine in XX/XX/XXXX and the warranty didnt cover the expense for the engine and the car just been sitting in the parking lot without getting worked on for months with the keys locked in it. So ( Right Away ) send my car to a different XXXX XXXX  dealership in saint XXXX Mo. I was behind on my payments cause now I had to pay to get to work with XXXX which costed me XXXX a week so they took the car from the mechanic. They threatened to take me to court after I was waiting for 4 months to get my car fixed. Gate way financial had reported late fees with a balance In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Included in the this section is the letter which I sent to all XXXX credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. 

I reached out to the XXXX, TransUnion, and XXXX regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$560.00} XXXX XXXXXXXX/XXXX {$720.00} XXXX XXXX  XX/XX/XXXX {$500.00} I am requesting that the reporting XXXX this information be blocked and Deleted15 usc subsection 1666 ( b ) states : ( 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.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Credit reporting, credit repair services, or other personal consumer reports

A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
Product: Vehicle loan or lease

This Loan was offered under false pretenses. I am writing to file a complaint regarding the exorbitant charges associated with my car loan credit acceptance, which has placed a significant financial burden on me and has negatively impacted both my credit report and personal life. I urge you to investigate this matter and take appropriate action to rectify the situation. I entered into an agreement with Credit Acceptance on a car loan on XX/XX/XXXX XXXX was sold a car for {$17000.00} and Charged a 22.99 % APR which turned my XXXX car into a {$31000.00}. Credit Acceptance as well as the dealership sold me a car that had faulty breaks. According to XXXX, the car had 3 recalls because of this issue. the car had 3 owners before me and was involved in several car accidents before me. I have taken the car to mechanics for the faulty breaks over 4 times. When buying this car I was not provided a car fax at the dealership which could have prevented all of this had I known. in XXXX  because of this faulty break I was in a car crash that nearly took my life. I was unable to recover the car and till this day I am being over charged for a car that I no longer have, and I no longer know its whereabouts. I am also being charged late fee 's on this car. 
I believe I was taking advantage of not only by the dealership but also by Credit acceptance. I believe I am a victim of predatory lending which is Illegal in the state of NJ where I originally got the car from and in the state of new York where I live. The stress of constantly worrying about payments, which is constantly dropping my credit score, and experiencing a decline in my creditworthiness has taken a toll on my mental and emotional well-being. I am seeking your assistance in rectifying this unjust situation. I kindly request that you investigate the terms and conditions of my car loan agreement and take appropriate action against Credit Acceptance for their predatory lending practices. I believe that such practices not only exploit vulnerable consumers but also undermine the principles of fair lending and consumer protection. I kindly request the following actions be taken.
Product: Debt collection

BC Services , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Case # XXXX Writ of Continuing Garnishment letter received XX/XX/year> garnishment active XX/XX/year> Please see this letter in response to the case listed above. My wages are currently being garnished by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This abrupt action caused a hardship with my living situation as the sole provider in my household I'm unable to pay rent with 25 % of my pay being taken. 
I asked for information pertaining to the accuracy of the date, amount and nature of the charge I am being accused of as well as a copy of the document that authorizes BC services to collect on my behalf. By the statute stated below, they are operating illegally and garnishment services must cease at once! 
Collections are not inherently illegal, but certain practices in debt collection are regulated or prohibited under federal and state laws. The most notable federal laws include : XXXX. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692-1692p The FDCPA regulates debt collection practices to prevent abuse, harassment, and unfair treatment. Under this act, the following practices are illegal for debt collectors : Harassment or Abuse : Using threats, profanity, or repeated calls to harass a debtor ( 1692d ). 
False or Misleading Representations : Misrepresenting the amount of debt or impersonating a government official ( 1692e ). 
Unfair Practices : Attempting to collect unauthorized fees or contacting third parties without permission ( 1692f ). 
Contacting You After a XXXX XXXX : Continuing communication after you request in writing that the collector stop contact ( 1692c ). 

XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The FCRA governs how debt-related information is reported to credit bureaus. It prohibits : Reporting inaccurate information to credit bureaus ( 1681s-2 ). 
Failing to investigate disputes about incorrect credit information ( 1681i ). 

XXXX. State Laws Many states have additional laws that regulate debt collection. For example : XXXX XXXX Fair Debt Collection Practices Act : Mirrors the FDCPA and adds protections against creditor harassment. 
XXXX XXXX XXXX XXXX : Prohibits threats, coercion, and other abusive tactics in XXXX. 

When Debt Collection Becomes Illegal Debt collection is considered illegal if : The debt is beyond the statute of limitations ( varies by state ). 
The debt was discharged in XXXX  and collection attempts continue. 
The collector does not verify the debt when requested under the FDCPA. 
The collector does not comply with licensing requirements in states where licenses are mandatory for debt collection. 

I believe this debt collector is acting illegally, which is why I'm filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and also consulting an attorney to address potential violations. 

Signed, XXXX XXXX XXXX
Product: Checking or savings account

Truist bank put a block on my account for no reason. I have XXXX $ in the account they will not give me my money I have called customer service, I have went into the bank.. they will not give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX paid in full still showing on my credit report cra violation inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and on XX/XX/2020 and XX/XX/2020 I sent a letter disputing a collection account asking for verifiable evidence that the XXXX collection accounts they are inaccurately reporting. The name of the collection agency is ARS Account Resolution, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida. The company has not been able to produce verifying evidence of the debt bearing my signature which is the legal way of a method of verification. They continuously send the same pre-drafted response.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I called my lender global lending services on XX/XX/XXXX of 2024 and asked for a payment deferment for the month of XXXX because of my medical bills that I had to pay and I was told that I could do a deferment and my payments would start back in XXXX. Now I am receiving late notices and credit report dings saying that I am late on my payment and they have filed it on my credit report. They also want me to pay double payments this month putting me further behind financially. I called and spoke to a regular representative, who told me that I was misinformed and that my account was not eligible for a deferment when I was told just one month prior that it was. I then asked to speak to a XXXX, who told me the same thing neither of the employees of global lending services wanted to help me out even though they both knew that one of their employees had lied to me. They told me that there was nothing they could do for me and that I had to pay both payments and take the hit on my credit report all at the expense of one of their employees negligence.
Product: Debt collection

I moved out of an apartment complex because O was almost attacked by 2 pitbulls, there were a lot of shootings and always someone sitting on my car. I didnt feel safe there, I sent the office an email stating I was moving and why. At first I was ignored so I sent another one again and she said I didnt give proper notice and I will be charged a move out fee if she decides. At the time they had people that were supposed to be remolding the apartment but actually tore it up. I sent them an email of all the damages and told them not to charge me because I didnt damage anything. Fast forward they deleted me off the residence portal and sent me to collections in which they called me. I asked the lady for a breakdown of charges and she said she will have to contact them to send it to me. I told her not to call me again but instead they started sending me emails. I got the breakdown for what I was being billed for and they did charge me for the damage they did while trying to remodel it, I ask them to remove the charges I went ignored again. Another collection agency got the debt and just put it on me and my daughters credit report with no letter or explanation. I just got an alert from the credit bureau one morning stating that my credit dropped. Me and my daughter take our credit serious and will be taking legal action against the collection agency for violating our consumer rights. The amount they are reporting is also not correct so we want it deleted for that and damages they have caused us.
Product: Credit reporting

Wrong employer on Transunion Credit Report. My current employer is XXXX XXXX XXXX. They have wrong employer information.
Product: Credit reporting or other personal consumer reports

Last year when i had some financial difficulties i received a call from Disconver that i can do a payment plan that would lower than required monthly amount if i did autopay and can do that for the next year. What they did not tell me was that this would impact my credit report as im missing payments. I have have been with Discover probable about 20 years and have had a perfect record up until the last 6 months of 2023. This is when everything went down hill when one of their reps called me and offered this. Im sure he got a bonus for getting me to subscribe to this and in meantime this had totally hurt and impacted me negatively credit reporting and otherwise. Since than i stopped those automatic payments for the wrong lower amount and have taken back control of my account and payments being made Im trying to move out and its impacting by family as i can not get approved for anything and also have young childeren to support of which one is special needs..All im asking is for those late payments reporting to be removed. Besides that i have always been happy with Discover. Thank you
Product: Student loan

Im wondering what can be done about someone ( myself ) who went to a for profit school. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its no longer a school. When I was XXXX  I didnt realize I was going to a school that was not accredited. I paid all my private loans in full. I tried contacting Navient loans but as you can probably guess they were less than helpful. 

None of my classes from XXXX XXXX can be transferred to a different school unfortunately. I would literally have to start from square one. I feel that this is fraudulent and not lawful. 

I paid {$38000.00} for a degree I can do nothing with.