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

Around XX/XX/XXXX i received a wage garnish notice at my job. in the amount of XXXX i was beside my self so i call the number for Reese Law Group to find out it was for a car that was repossed in XX/XX/XXXX. I told them why didnt you get ahold of me in XX/XX/XXXX. they said that they did with a court summons ( i never recieved ) so to make the story short i went to court in XX/XX/XXXX did not understand anything. i gave the lawyer for ( XXXX XXXX XXXX ) my pay stub for a year to show them that i can't pay {$500.00} a month. then i didn't hear from them until about 3 weeks ago now they want XXXX. my question is can a Law Group sit on a judgement for 9 years so it will collect interest then garnish my wages.

I don't think its right to do that to a single XXXX  year old woman that lived pay check to pay check. they say its all legall to do what they are doing to mr .
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, up to now XX/XX/XXXX, XXXX no actions were taken with the company. I have been trying to get this company to do the right thing since last year. The bank keeps going with the merchant. they have been going with him from day one because he signed my name on the delivery slip and it not mind signature. I fax the bank my signature and they still went with the merchant, they also have a recording that they refuse to listen to. I have been asking them to look into this matter more and they refuse to do that as well. I don't have any of my items at my house then and still don't have them now. I needed yall to look into this matter for me deep into it because I should not have to pay for something I don't have. The fraud department at the bank won't open an investigation on this matter at hand. I try all I can do to get this right and the bank not doing anything to fix the problem at hand. This is the second complaint I did on this bank and it went nowhere at all. The bank doesn't call or write me for any information at all so all the documents I sent to them on my own and they still not doing anything. I need help with all the hope I can get. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
Product: Debt collection

Got the car from American Car Center who suddenly went out of business. Then westlake took over. Never signed contract with them. Car repossessed in XX/XX/XXXX and I believe car was sold. They are constantly harassing me through email and phone and have nasty dispositions. Apparently they wrote it off as bad debt and have some collection company contacting me now. On XX/XX/XXXX I requested debt validation letter and purchase agreement from westlake and didnt receive info. Tracking number for request sent is XXXX and it was received by an agent at there offices. I just want them to remove this from my credit report. I never signed a contract with westlake or XXXX or XXXX  debt collectors. I also sent them a cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, has violated my rights. 

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 a account without my written instructions ALSO IN ACCORDANCE TO GEORGIA LAW ( OCGA 9-3-25 ) HAS EXCEEDED THE STATUTE OF LIMITATIONS
Product: Debt collection

I dont believe this collection is valid. I reached out to the debt collector asking to have documentation supporting I owed this debt to them. Including a purchase agreement. It has been over 37 days and I have received nothing supporting or validating that this debt is owed to them.
Product: Credit reporting or other personal consumer reports

Hi, I have been exposed to identity theft and there is no way FAIR COLLECTIONS & OUT should have my information! Please remove this fraudulent account off my consumer report immediately!
Product: Debt collection

XXXX XXXX received a threatening phone message from XXXX XXXX claiming to be from XXXX XXXX stating that I had committed fraud and they were contacting me regarding a check. She mentioned my bank. ( I have the recorded message ) I researched company number and found XXXX and Weiss Arbitration listed. I also found complaints and scams identified with this company. 

XXXX XXXX received calls from XXXX friends and my brother stating they had received threatening call/message from XXXX XXXX at XXXX XXXX about a fraudulent check from me. She mentioned my bank on the messages to them and with XXXX person stated that that friend could be charged with fraud if she did n't make me contact them. ( I have XXXX recorded message ) XXXX XXXX, I called the number left by XXXX XXXX and stated that I was recording any communication and to call me back. 

XXXX XXXX around XXXX am, XXXX XXXX called and asked " How can I help you? ". I stated that she had requested I contact her and what was it regarding. She first stated it was for a check with my bank. Then she stated it was a creditor. I questioned dates and amounts. I did not identify with the debt and asked her to mail me statements of the debt. She emailed a statement to me but I have not received a physical statement or proof of the debt.
Product: Debt collection

This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies XXXX XXXX and Diversified Consultants. In XX/XX/XXXX I contacted XXXX consultants and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to XXXX XXXX in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. XXXX XXXX responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to Diversified Consultants who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to XXXX XXXX who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in touch via phone and email with Innovate Loan Servicing regarding reporting my auto loan to the credit bureau. They told me they were going to do it when I refinanced in XXXX of XXXX. Then they told me that they got a new computer system during the summer around XXXX. Then again in XXXX when I reached out they told me they were still trying to get all of their records up to date and should have it done now. I reached out in XXXX. They ignored me. I then again XXXX of XXXX and they said theyd have it already sent. Its been over 30 days and there is still nothing on my credit report. I cant even refinance the loan because no one will accept me since my loan is not on my credit report. 

I originally was making phone calls to them. When I made a call to them in the summer asking for an update on the credit bureau, their employee told me that they didnt have my call previously and would try to look into it. I dont believe that they are correctly documenting calls. I have moved to emails and its very apparent I dont often get a response.
Product: Credit card or prepaid card

My Chase Sapphire Reserve account includes rental car insurance. I had damage to a rental car in XX/XX/XXXX, was charged {$1600.00} by XXXX and submitted the claim to them, claim # XXXX on XX/XX/XXXX. I have sent all supporting documentation that they have asked for. Instead of responding within five business days as promised, they have ignored me for over a week. They have not paid the claim.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXX  Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX XXXX XXXX XXXXXXXX. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. Not only that, this debt is beyond the Statues of Limitatons for collecting a debt in the state of Texas. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Product: Credit reporting

I did a loan modification with XXXX XXXX XXXX. After failing behind in my payments unfortunately, again after the modification, I did a deed in lieu of foreclosure with them. When I did the loan modification I was issued a new account number. The account number relating to the deed in lieu of foreclosure, is marked " paid and closed '' and " pays as agreed ''. My original account with XXXX XXXX XXXX with the original loan I received, ( before the loan Modification ) is marked as a current status of " 120+days past due '', which it should not be marked as such. I am requesting the current status be changed to " paid and closed '' or " pays as agreed '' or " closed ''. Equifax said they contacted XXXX XXXX XXXX and XXXX said that 's how the file should be marked as. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

Hello my name is XXXX XXXX. I am sending this message to TransUnion. I contacted you on various occasions due to an errored account that is listed on my credit profile. I asked kindly to send me any documents for proof, no one responded back. I sent in certified mail to your address and still I have n't received any response since XXXX. If you ca n't verify its mine, the account should be removed immediately by law. A company ca n't verbally verify an account without a document with the consumers signature so you are breaking the law FCRA, I did n't give anyone consent to open any accounts under my name, credit profile or social security. It seem that someone used my identity at the time. I refuse to accept an errored account that is n't mine and you ca n't prove that it is. A billed document is n't proof, and if you attempt to send me any documents with a forge signature, I will consider taking legal actions filing a civil suit. I am waiting for a response immediately. Remove the error off of my credit profile permanently. It 's a fraudulent account. Please be advised that upon your request, I will be sending this information to the FTC, posting your company on public record, filing a law suit against company.
Product: Debt collection

I contacted LVNV Funding LLC and informed them of the fraudulent account set-up using my stolen personal information and I did not owe and money to them as they claimed I owed XXXX. I explained to them, I have not worked or lived in the US since 2014 and it was impossible for me to open the account based on my proximity to the California. I work in the XXXX. I also explained to them that the address used under my name is a PO Box and not a physical address. My information was stolen several times from the PO Box in an effort to open fraudulent credit and bank accounts. This account is the result of such fraud. I have asked LVNV Funding LLC to remove the fraudulent account from their record, report it as such to the credit bureaus and original creditor and to send me a letter of apology. This demand is filed under the FCRA and my rights through the state of California, per my attorney, XXXX XXXX.
Product: Debt collection

In XX/XX/XXXX I found out that I had a student loan in collections. I tried to make reparation with them at this time, but could not afford it because I just Graduated college and did not have a job. I tried explaining to them that the letters and phone calls were not going to me, but my parents house whom i have no contact with. I have recently tried to make reparation with them ( on XX/XX/XXXX ) now that I have a job. They were harassing me that after all my bills are paid I only have {$400.00} left and I offered to pay {$170.00} and they were accusing me of being able to afford {$200.00} and that he couldnt help me unless we settled on this amount. It was then I had to tell him I just had a kid and have over {$6000.00} in medical bills as well in order for him to agree on possibly {$170.00}. Still has not been confirmed. He said he will be calling to negotiate a higher amount if it is not accepted. 

I also have good standing on two of my other loans. My XXXX  loan if XXXX and my private Loan of XXXX. I already pay {$940.00} of student loans a month. 

This affects my husband  and my two children. This affects my credit. This affects my ability to go back to school. Im asked for them to let me refinance this collection loan with my other student loans after 9-12 consecutive payments and they wont do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I can't figure out how they got there. I check my report regularly, but this time I was completely blindsided by these discrepancies. I even refreshed the browser hoping it was just a glitch, but the accounts stayed there. Given this problem, Im asking for a thorough review of the documents I've submitted so that I can put this behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.
Product: Debt collection

I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec 2725 440.2725 statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 8 years since this contract was entered. 440.2725 this company credit acceptance is violating the Fair Debt Collection Practices act. 440.2725
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are reporting illegal information! It is illegal to report TRANSACTION HISTORY!!!