23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX. 

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, Texas County of  XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX County, and was told to ignore it. They told me this because of past dealing with XXXX XXXX  XXXX, that they were notorious for using threatening tactics. I never heard from XXXX XXXX  XXXX again. 

Now, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX County Texas. Again they have the wrong county as I live in XXXX County. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, " I 've never heard of a Statute of Limitations. All debts can be collected until payment is made. '' I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from XXXX XXXX  XXXX, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX County Texas within 45 days. In this letter it states : LVNV Funding LLC v XXXX XXXX, Cause Number XXXX, in the Justice Court, Precinct XXXX XXXX XXXX XXXX XXXX. Once again, I do not live in XXXX County. 

I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters. 

Thank you XXXX XXXX
Product: Debt collection

I received in the mail yesterday, XXXX a statement, which looked like junk mail. I give the junk mail to my niece to play with. When cleaning up after her, I caught a glimpse of this paper from Midland Credit Management ... saying they are a debt collector and I have to XX/XX/2016 to pay off this debt or legal action will take place. Its states, Original Creditor XXXX XXXX I called XXXX XXXX and was told my account was written off 5 years ago and I owe XXXX XXXX. They stated it could have been sold to a third party. I received a called from my niece 's grand mother XXXX years old, two weeks ago stating someone had been calling her home looking for me ... I do n't even now this lady very well or never used her or her family as a reference ... had to instructed her not to give any information out ... why would you harassed an XXXX year old woman. Apparently they did file a suit in another state against me without my knowledge. There has been zero contact with this company except for this junk mail letter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to have XXXX fix with little or no response. XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of 90 and 120 days on 16 individual loans which are showing 32 missed payments for these two months. No 30 day warning given.

The account had never began getting payments let alone should only be at the most two missed payments not 32. I am enrolled in the payment based on income.

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XXXX states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Product: Debt collection

This company calls me every day to explain how they can collect this debt. They have also contacted my family members to collect this debt.
Product: Debt collection

I have sent a cease and desist order! This company that I do not know of continues to send me letters. I think this is my dad 's medical bill but I do not know since we have similar names and he used to live here. 

But this is not my debt.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$8800.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION LLC, has now committed multiple counts of willful and deliberate non-compliance of the FCRA causing financial injury, harm, and damage, in addition to defamation of the character and reputation of the consumer. 

TRANSUNION LLC, a financial institution and credit reporting agency operating in commerce for profit by assuming the role of assembling, evaluating, investigating, and accurately reporting consumer credit, which includes personal identifying information, has breached its fiduciary obligation and duty to comply with the FCRA by failing to remove Bankruptcy information after notice and instruction from the consumer to cease all furnishing of personal identifying information. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ). 

A " Notice of Identity Theft '' with all required documentation pursuant to the Fair Credit Reporting Act section 15 USC 1681c-2 was delivered to TRANSUNION LLC XXXX XX/XX/2022 @ XXXX by way of XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX thus requiring the referenced information to be removed or blocked no later than 4 days after delivery. This notice included both an " Identity Theft Complaint and Affidavit '' and a " Law Enforcement Report '' ( FTC Report Number : XXXX ) as required by Law. 

TRANSUNION LLC, has obtained possession of my personal identifying information from its subsidiary company " XXXX XXXX XXXX XXXX '', and is currently furnishming information without specific written instruction, consent, authorization, or permissible purpose, violating the consumers unalienable right to privacy in violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 4 ).

TRANSUNION LLC shall now be held civilly liabile with the consumer demanding monetary compensation for the following acts of non-compliance : 1. ) FCRA 15 USC 1681c-2 - Failure to Remove Information Resulting from Identity Theft 2. ) FCRA 15 USC 1681b ( a ) ( 2 ) - Failure to Meet requirements of Permissible Purpose 3. ) FCRA 15 USC 1681 ( a ) ( 1 ) - Failure to Report Accurately and Fairly 4. ) FCRA 15 USC 1681 ( a ) ( 4 ) Failure to Respect the Consumers Right to Privacy 5. ) FCRA 15 USC 1681c ( a ) - Failure to Exclude Bankruptcy Information From Report 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 8. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card in XX/XX/XXXX in which it approved the following month I had no score because I was new to the credit system. upon checking my credit report I saw that they were there were hard inquiries that I did not make on my report from XX/XX/XXXX. I reaching out to the credit bureau to have it removed but I was unsuccessful, I also tried to reach out with the companies that I saw the hard inquiries were coming from and I was also unsuccessful. 
By the middle of summer when I check my report to see if there were any changes made to report, I found more hard inquiries from financial institutions that I did not place a hard inquiry with. Not only did they place this once or twice on my report but more. I wrote letters to these intuitions but got no response. I placed a security freeze on my account because of the problem and I could not get any resolution to the problems that I was having, but come to see with the security freeze on all my accounts with all the credit bureaus I was surprised when I saw that I am still getting hard inquiries on my Equifax report. 
On my Equifax report these are the inquires for service that I did not request : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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.
Product: Vehicle loan or lease

I purchased a car on XXXX. The car lot ( XXXX XXXX ) provided me with options for obtaining financing for a XXXX  XXXX XXXX I wanted to purchase. We decided to use ONEMAIN. I asked the salesperson XXXX XXXX XXXX if I needed proof of income and he advised no ; he had spoken to ONEMAIN on the telephone. I completed the application and it was sent in with my drivers ' license and proof of insurance. The documents were uploaded electronically thru a link they sent me. When I sent the items thru the first time, it asked for proof of income but I did not attach anything as I was told it was not needed. The transmission did not go thru as completed because the proof of income had not been uploaded. I showed that to XXXX the salesperson and he thought it was odd as he was told no proof of income was needed. I had my XXXX in my phone so I uploaded to the site. The loan was then approved. I believe I was asked for proof of income as ONEMAIN then had a copy of my driver 's license that confirmed my minority status. I believe when they saw I made over $ XXXX a year, they did not accept that a minority woman could earn that much money. In response to the XXXX XXXX review, I was told to contact XXXX with my concerns. On XXXX, I spoke to XXXX with ONEMAIN ( XXXX ext XXXX XXXX ) who confirmed the above timeline of documents. I explained how humiliated I was. Her response was " if I was so humiliated, why didnt I say anything to the salesperson ''. I explained that I was going to let it go until I received the XXXX XXXX  survey request. She said their systems are automated and there was no malicious intent. Then why would the loan application not go thru the first time. This has to be a glitch they are aware of and feigning ignorance or a systems error is not an excuse for XXXXXXXX XXXX. What I believe to be XXXX XXXX has to stop. By the way, the representative I spoke with was very professional.
Product: Credit card

I had prepaid for a one-week XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during XXXXXXXX XXXX XXXX XXXX season. The payment included the required liability insurance coverage per XXXX law, as stated on the rental agreement. However, upon arrival at the rental counter, the staff insisted that I purchase additional XXXX XXXX XXXX ( XXXX ) despite my protests and presentation of documentation showing the reservation included the insurance amount required by law. XXXX staff refused to release the car without my purchase of XXXX. They knew they had leverage over me since there wasnt any car inventory due to peak holiday season and other rental companies were also out of vehicles. I was in a XXXX XXXX  with no alternative transportation options nor ability to call police to address this extortionary practice. Plus, the prepaid reservation was nonrefundable. I was effectively coerced into accepting this charge to avoid the alternative of not having a car for the 4 of us ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This practice amounts to a forced modification of our original contract terms under duress. I begrudgingly handed over my credit card for the charge, but I screen captured my phone ( has timestamp of place and time ) that included the section of rental agreement stating that the prepaid amount included necessary liability insurance per XXXX XXXX I did this with the intention of disputing the charge. 

After I returned to the US, I opened a dispute of the charge. However, Chase rejected my dispute, stating that the merchant showed proof of authorization. 

Despite my protest that I authorized under duress and that the charge was not necessary per the rental agreement, Chase refused to go back to the merchant to challenge the charge. 

The dispute process is to protect the cardholders. By not challenging XXXX XXXX on the charge, Chase not only did not protect me, the cardholder, it enabled the unprofessional and fraudulent business practice of XXXX XXXX.
Product: Student loan

EdFinancial does not keep account statements available for the consumer. 

I do not have access to billing statements showing me my interest rate and principal balance month-to-month. Without this transparency, I have lost trust in EdFinancial. This is not legal.
Product: Debt collection

An apartment complex is attempting to collect a debt that is not mine. When I asked for validation of the debt, the company continued to attempt to collect the debt via a phone call a week after my request, without providing the debt validation I requested first. 

When I asked where the debt validation that I requested was, and that I would like to see it proved to me as my debt, they got very hostile and said they would send it and demanded that I give them an answer of whether or not I planned to pay it. When I said I did not plan to pay a debt that I did not owe, they said that it would be sent to the credit agencies and hung up on me. 

My understanding is that once I request a debt be validated, they must provide validation before attempting to collect again. Their initial email contact was on XX/XX/XXXX, I asked for debt validation on XX/XX/XXXX. They called me on XXXX to attempt to collect the debt without providing this information. I have yet to see a debt validation letter despite repeated calls to them asking for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was open in my name without my consent and needs to be remove
Product: Credit reporting

This account was paid in full and closed by the original creditor which is XXXX. AFNI Collection Company continues to report inaccurate information on my credit reports.
Product: Credit card

I hadXX/XX/XXXXXXXX at the XX/XX/XXXX department, and then applied for 24 months of interest-free credit card repayment. This credit card company XXXX does not have any software that can be downloaded. In order to avoid my overdue repayment, I set up automatic bank repayment and paperless billing, so I automatically repay every month. The bills sent to my mailbox by XX/XX/XXXX credit card company every month only show the minimum repayment amount, and no detailed repayment information is shown. I started to repay automatically in XX/XX/XXXX, and it was not until XX/XX/XXXX that I realized why there was still a bill after 24 months of repayment. It was not until XX/XX/XXXX that I logged into their website and found that I was charged more than XXXX US dollars in interest. This credit card company deliberately did not provide detailed monthly bills, causing interest to accrue on my account. I am in great need of help now. I have contacted them in the hope of waiving or reducing the interest, but they did not provide any help. My account has never missed a payment, and it has always been automatically deducted and repaid by the system. They should not charge interest in this way. I hope you can help me waive the interest, and if there are other outstanding debts, I can pay them off in one lump sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2011 false charges were filed against me by the XXXX XXXX XXXX XXXX. They took my kids and truck full of my stuff for income. Judge XXXX signed the order with Sheriff XXXX XXXX I was told. My pick up was taken with a Title loan on it. They claim you must pay it even if it was stolen. This ensures the corrupt XXXX gets money and a free truck. They then place it on your credit report and do not remove it with an inflated amount due you can not pay and deny financial support with thier judge so they can steal your identity after they make you homeless. They stalk you with a XXXX and more.You have to pay a ton of fees for application fees for an apartment then you are denied. The court house also tries to murder you falsifying information and allowing thier cop to try to beat you to death all while not booking you into jail for false charges. The XXXX must be stopped as it is clearly communism.They should not be allowed to do this and take everything you worked for. They even call your job and make up false claims.Non of thier false claims or charges have been proved. The corruption must be stopped. Integrity must be restored and new laws made.Slavery was abolished in XXXX in XXXX and in XXXX in the United States. Please do something.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The reports need to be updated to the correct status and information for all XXXX XXXXXXXX XXXX accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}
Product: Debt collection

Collection account from SPRINGOAKCAP with account # XXXX and a balance of {$7100.00}. The original creditor is XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Checking or savings account

I did my tax return on XXXX and was approved for a {$250.00} loan basically where they would give it to me and then take it out of my tax return when it came but I had to do it through Credit Karma Credit Karma locked my account told me that Im not approved for it after They had already said I was and now my money is in the account and they wont give it to me. They will not email me back when I call they kept repeating the same thing saying we can not comment on this. You have to talk to our special investigations through email and they never emailed me back. I asked to have the money transferred into my bank or to mail me a check and they are refusing I told them I need to pay my rent with them my money and they wont give it to me and wont pay late fees due to the fact that its their fault they wont give me my money.