23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern Credit acceptance corporation sued me and are now garnishing my wages for a vehicle that I voluntarily repossessed. The vehicle was purchased from a XXXX dealership that closed down after purchase. The vehicle was a lemon. I had to make repairs and pay car note. It started to take a toll on my lively hood. I couldnt pay rent or purchase groceries after payments. 

I notified credit acceptance of this. They gave me the option of voluntarily repossession. When they finally picked up the vehicle after a few months. I had an isssue with my license plate. I took a ride to their office. They were rude and XXXX. Referring me to as you XXXX XXXX XXXX. They also ensured me I will get sale of vehicle information in mail. I never received. 

I kept getting calls by credit acceptance attorneys harassing me. When I would call credit acceptance directly. They told me that those were not their attorneys. However I did have to pay my balance. I recall the balance at that time being over {$18000.00}. The vehicle at that time was a over 12 years lemon. I questioned the amount they told me they will come after me for the amount owed. 

Fast forward to me answering their judgement at court house. I dont feel I owe the amount due to condition of vehicle, hidden chargers, damaging credit report and harassment. After answering the courts, I got a credit repairer. 

The credit repairer and I disputed the credit bureaus. I also contacted credit acceptance to negotiate. They told me that they would negotiate with me and I didnt have to go to court. The credit repairer communicated with credit acceptance. The balance kept changing. Credit acceptance responded to credit repairer, however never sent over requested documentation. Credit acceptance kept putting their selves off and on my credit report. Soon after they stop communication. 

Now a few years later, I am being sued. My employer informed me of the garnishment of wages. Total {$20000.00}. I went to look up credit acceptance Information to contact them. 

Thats when I found out about the numerous lawsuits against them for the same reasons described above. They just settled a lawsuit for millions. They also been under investigation by attorney general of XXXX Since 2017. 

This company is a scam. XXXX. High interest rates. Lemon vehicles. They are rude. They harassed me as well. 

Please help me in this matter. This will cause me to become XXXX by time they finish garnishing my wages for an amount thats unlawful. 

Can someone please contact me at their earliest convenience. Thank you
Product: Debt collection

Called family members or associates of family members who dont have close relationships with me to talk about debt and threaten litigation.
Product: Credit card or prepaid card

Pursuant to my previous two complaints filed here, Comenity Bank has most recently responded by urging me to send them a letter requesting the opening of a dispute. 

I have no intention of playing their games any further ; when I originally contacted them months ago my intention was to open a dispute. I had been under the impression that this was already resolved, until the events that prompted me to make my last complaint here to CFPB. 

I badly require assistance in this case, because every time I raise the issue with Comenity Bank they hand it to some new person who has no idea what is happening. All I know is that they lie to me and they stonewall the case. There was nothing that I ever did wrong, I have my outstanding credit card bill with them, I am a timely payer and have never missed a payment. They manufactured a problem and are now trying to cause me grief. 

Please! Please do something other than forwarding the complaints to that company ; they are not going to do anything other than to attempt to place further burdens upon me. I am severely XXXX and am an elderly man. I'm worried that this business is going to affect my future monthly payments.
Product: Student loan

Based on the evidence, the Department found that XXXX XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. This limited my availability to proper financial aid services at the school, which ultimately led to being forced into private student loans in order to finish the program. Since the closure of the school, I no longer have the ability to accredit my degree and confirm my graduation. Ultimately, I am required to pay for something that no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXXXXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$460.00} or my account was charged off {$460.00} ], XXXX XXXXXXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX : # XXXX, which you claim, I owe [ {$160.00} or my account was charged off {$160.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Letter to Equifax and XXXX  on XX/XX/2021 to verify debt collections on my account. I have yet to hear back from them about regarding the investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These items are not transactions conducted by me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I received a Hardest Hit Fund Principal Reduction Permanent Loan Modification after being in a trial loan modification in XXXX XXXX through XXXX XXXX. The permanent loan modification was mailed to my house via XXXX on XXXX XXXX, XXXX and requested that the documents be reviewed and sent back by XXXX XXXX, XXXX. The documents required a notary as well. My health has been delicate over the last few years due to a medical hardship and sometimes my memory fades. I inadvertently lost the paperwork that I wanted to give to my attorney to review as well a notary. I requested that Bank of America send another loan modification package to me but they refused. Bank of America mailed me a letter dated XXXX XXXX, XXXX advising me that I was no longer in consideration for a loan modification because I did n't return the permanent modification documents. I appealed the decision but Bank of America denied me the appeal. During this time, I 've made every scheduled mortgage payment and Bank of America recently returned my XXXX XXXX payment and put my property in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and XXXX have stolen information and is reporting it. 

As per 15 USC 1681 law, above companies are performing defamation of my character by stealing information and reporting incorrect info. This has caused a tremendous hardship to purchase my home and achieve my American  Dream thus it cause mental break down to me and my family. I have worked so hard to work, save and purchase a property to see these companies enrich with my information and misuse, and miss handling them. 

Please update my report immediately and remove incorrect XXXX XXXX and Sunrise Credit services on behalf of XXXX
Product: Debt collection

I moved into XXXX XXXX XXXX on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need XXXX XXXXXXXX XXXX removed from my credit immediately. 
This is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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

I paid this account off in full i have provided the picture of the information but they are still reporting this on my credit report and are in violation of the fair credit reporting act reporting this account on my credit file
Product: Debt collection

My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX.
Product: Checking or savings account

Hello, Wells Fargo is God awful! Consumer beware. 

I deposited an {$8300.00} settlement check from a recent accident I was involved in. Wells Fargo has placed my account on hold and froze my checking account due to suspected fraud. Ive had my account with XXXX for over 7 years and have had a weekly paycheck deposited for over 6 years from the same company. The check was issued by a large attorney based out of Northeastern Florida known as XXXX XXXX. Im sick and tired of XXXX XXXX predatory business practices. I feel helpless and am not sure what to do.
Product: Student loan

I have a complaint registered against AES with CFPB. I am waiting for the resolution of that. However, AES recently submitted a negative report to the credit unions which resulted in a XXXX drop in my credit rating. I feel this is in retaliation for submitting the complaint to you. This loan is in forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one card has not updated my balance which is XXXX $ with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$22000.00} US DEPT ED XXXX {$3600.00} - tied up US DEPT ED XXXX {$2500.00} - tied up US DEPT ED XXXX {$1400.00} - tied up US DEPT ED XXXX {$7800.00} - tied up US DEPT ED XXXX {$5600.00} - tied up US DEPT ED XXXX {$3500.00} XXXX tied up US DEPT ED XXXX {$1600.00} - tied up US DEPT ED XXXX $ XXXX tied up US DEPT ED XXXX {$4200.00} - tied up XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$8800.00} from XXXX/ listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely,
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, XXXX, XXXX, 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
Product: Vehicle loan or lease

I purchased a vehicle with Toyota finance..I currently paying {$630.00} for a XXXX XXXX  ... Toyota utilizes sells XXXX that will make you purchased a vehicle regardless that challenges that the consumer might face in the near future ... I need your help ... my fico score is currently XXXX. ... I always purchased the my vehicles from the same place ... .I feel like I have been played by the vehicle outside down transaction terminology ... .where people ends pay double for a vehicle..after the dealer satisfied the trade in vehicle ... .absolutely unfair for a buyer
Product: Credit reporting or other personal consumer reports

THE FOLLOWING NEGATIVE ITEM ( S ) REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VERIFIED NOR WERE PERMIITED BY ME TO BE PLACED ON MY CREDIT REPORT AND I ASK FOR THE IMMEDIATE REMOVAL OF ALL NEGATIVE ITEMS ATTACHED PER THE SUPPORTING DOCUMENT ( S ). ALSO, THE FOLLOWING CONSUMER LAW WAS BROKEN WHEN THE AGENCY FAILED TO VALID OR VERIFY THE XXXX SAID NEGATIVE ITEM ( S ) : 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY