23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with Reg F B-1 Model form was not used upon providing a validation of debt to the consumer, and this negates safe harbor protection to the creditor. My right to dispute a debt within 30 days was not allotted or offered to me. 

Further Finance Code Chapter 392 Debt Collection TEXAS SubChapter C Sec 392.202 Correction of third party debt collectors or credit bureau files. 
Subsections ( b-e ) ( b ) not late more than the 30th day after the date a notice of inaccuracy is received, a third party debt collector shall send written statement. 

Sec 392.202 ( b ) ( 3 ) third party debt collector has not had sufficient time to complete an investigation of inaccuracy. 

That information must be reported to credit reporting agencies an has not, additionally the burden of proof lies within the crediot/collector and reporting credit agency to verify proof of inaccuracy that is alleged/reported. 

As the consumer I have completed my due diligence in the inaccuracy and wish to see the appraisal reports utilized for there confirmation of accuracy. This is my right as a consumer under Regulation B 1002.1 ( B ) in addition to 1002.9 ( a ) ( 2 ) ( i ) ( ii ) a statement for a specific reason for the action taken.

FDCPA, and FTC privacy 1681 is in question of violation when the original creditor XXXX XXXX divulged selling this company 3 times without ever acknowledging notification to the consumer or explaining personal information would be disclosed to new banks for an existing loan, which is also covered under regulation B ECOA. the baking parties included are XXXX. 

Additionally identify theft was reported to the FTC and SSA in 10 or XX/XX/year> with documentation my credit would be on fraud alert for 12 continuous months, which is in violation is credit was established. 

Further CFPB is not providing assistance with my concern/complaint about questionable business acts that are infringing upon consumers rights under FDCPA and FTC, which has led to additional claim opened with BBB for resurgent. 

My previous violations have gone unaddressed from the cfpb as previously indicated without avail and this company, resurgent continues to conduct business with presumptuous tactics that violate consumer rights. Assistance is, again being requested. 
original complaint not resolved by CFCPB.

My consumer rights under FDCPA are in violation in accordance with 15 U.S.C. 1692g, '' debt collector send a validation notice informing of debt details and giving them a chance to dispute within 30 days. '' FDCPA 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 2 ) has been violated, as consent for email correspondence was not authorized by consumer and transfer of email notice was not provided to me in written or digital correspondence. FDCPA violations include 1006.14 ( a ) Harassing digital communication and 1006.14 ( b ) " natural consequence of the debt collectors email messages is to harass, oppress or abuse the person receiving the email.When such natural consequence occurs the debt collector has violated 1006.14 ( b ) The above protected consumer rights have been infringed upon and violated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I feel that my rights have been violated, and I demand that this information be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase denied credit because they " inadvertently '' made a mistake. I don't believe that for a moment. I believe it is a business practice which is convenient for them. Their treatment of people is totally unacceptable. I can only assume that the decline is due to my age as my credit is excellent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XX/XX/XXXX Executive Office-ATT : HUMAN BEING XXXX XXXX XXXX XXXX, XXXX   XXXX Dear Robot : I am in receipt of your totally cavalier, non-responsive letter of XX/XX/XXXX. I know you are totally uncaring about your customers but do you have to be so blatant? 

I have no intention of just starting your outrageous procedure all over. I need not to deal with your robot brethren. So, find a pleasant human being, if you P one. E mail me with what, EXACTLY, you need to submit this application. Try to use all the information you have on me at your disposal to avoid unnecessary work FOR ME. Remember ME? Im the customer. 

You have wasted an inordinate amount of time because of your total inefficiency. Try taking some responsibility and a starter course on manners. 

Strong letter to follow. 

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

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Transunion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

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

XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached XXXX statements proving I paid on time and extra and request they remove tthis late payment and update it to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My information has been compromised and someone has been using my cards and purchasing things online. Last month I began to see unusual charges on my credit card so I called and disputed them charges at stores hookah bars and clubs. Almost {$600.00} on my credit card. I also seen a charge from XXXX for a total of {$540.00} which I also did not make so I contacted the bank and was issued a temporary credit which was taken back from. someone mustve have stolen all of my information and used my cards in order to make purchases. I have also filed an identity theft report.
Product: Credit card or prepaid card

Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.
Product: Credit card or prepaid card

Apple Card they just randomly closed my credit card with no explanation no warning and they said they cant reopen but my credit score is above XXXX nothing wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Money Lion Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.
Product: Checking or savings account

To whom it may concern, I have filed an incident investigation report with the state police on XXXXIhe incedent took place on XXXX XXXX for unemployment compensation and also another incident on XX/XX/2022 for them opening a checking account using my identity.I have taken the legal steps to close these accounts and changing the important information.Unemployment filed a fraud case on XXXXTrying to move forward with all that.Thank you.
Product: Credit card or prepaid card

I have not been able to use my Netspend card since XX/XX/20. I have available funds that I gave deposited as well as my Stimulus payment but the card declines when I try to use it in stores, online and at ATMs. I have tried to reach out to Netspend customer via secure message on the Netspend app, customer service ( XXXX ) but have received no response. The number rings busy and or I am placed on an extended hold then the line disconnects. I am not able to use the funds on my card.
Product: Credit reporting or other personal consumer reports

Fair credit reporting act 1681 I, Already disputed these closed accounts in writing with TransUnion XXXX an XXXX for inaccurate information an closed accounts please update my TransUnion XXXX account an XXXX an Delete these accounts please remove all closed accounts from my credit report
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 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Protection auto-renewed on a credit card that I paid-off and tore up without notifying me on XX/XX/2019 ( I did later find an email announcing the charge ) for {$150.00}. My credit card switched me to online billing and did not notify by mail, phone, or, email. My credit report showed five late payments unbeknownst to me and it ruined my near-perfect credit rating. I even keep several thousand dollars in savings at the bank that ruined my credit for an unknown {$150.00} bill, which I paid immediately ( the account number isn't even correct on my credit report and I suspect they charged an older card ). I submitted two good faith letters to the credit union XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XXXX XXXX ) with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX  XXXX  : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, Unknown Equifax : XXXX XXXX, Unknown Equifax : XXXX.
Product: Debt collection

I received a notice from Medical Revenue Service ( MRS ) on XXXX alleging I owe a debt in the amount of {$530.00}. I submitted a validation/verification of the debt to MRS on XXXX, because I have been a XXXX. They received my request on XXXX via XXXX Certified Mail, disputing the allege debt, advising MRS that I was not the debtor in question. MRS responded to my request of verification/validation on XXXX with an allege bill that I had no knowledge of. I submitted another letter to MRS on XXXX for further verfication/validation which they received on XXXX via XXXX Certified Mail. MRS responded to my XXXX request on XXXX advising me that they are not willing to provide me with any further documents to verify or validate that I am the debtor. They responded with the same allege billing statement they sent on XXXX. I dispute the debt in question and I am not responsible for any portion of the debt that MRS claim I owe. MRS have not and are refusing to verify that I am the debtor and continue to try and collect on an unverified debt. MRS have not proven that the alleged debt is mine, nor have they willing provided me with my request of a ( 1 ) XXXX agreement between me and their client ( 2 ) they have been assigned to collect on the original creditors behalf and ( 3 ) I am the debtor in question. This violates the FCRA and FDCPA, according to the laws of collection practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I had a car loan with Citizen Bank the issue started when i got behind on my payments from starting a new job. Well they repo it and i was told that i had 21 days to get the vehicle back if i catch up all the payments. Well they gave me the wrong location first where the vehicle were located so i find out by myself that it was located in XXXX. So i waited to receive a letter or call to what i needed to do. So i shows up at the repo place to find out that my vehicle was already moved with some of my stuff left in it. ( which some stuff is still missing ) They informed me not the Bank that the vehicle was already gone. The bank at first did not know the truck was sold until i told them. So then after i call the bank back and they finally told me it was gone. The repo people let me know the name and number to call for the auction. So i called the auction and with in the 21 days the bank said i had to retain the vehicle was not true the vehicle was already sold before the 21 days and my issue was i received no call or letter with no information on how much it was sold or what afterwards that i have to take care of. As my friend told me he said watch when you pay that money they be done sold your truck and you be lost for your money and the truck. And just as he said i were glad i did not pay it because the truck was already sold. I contacted the auction people as i were told by the bank that they would have to give me that information and the lady listen to my story and told me i might need to follow through on this issue with someone professional.
Product: Checking or savings account

I'm trying to link my account with XXXX which is a savings/budget app on my phone and its saying it can't link and that's there's a connection issue. PNC isn't even listed as an option to choose from.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report without my consent, negatively impacting my credit score and financial well-being. I contacted Equifax regarding this issue, and a representative assured me that these inquiries would be removed. However, they are still present on my report, causing me growing concern. As someone who values financial security, this situation is deeply unsettling. I am worried that I may already be a victim of identity theft, and these unauthorized inquiries are adding unnecessary stress to my life. This is unacceptable.
Product: Debt collection

The Hallstrom Law Firm obtained a garnishment in XXXX 2021.Like I stated earlier I was never served, does not matter what my address shows, if I was not staying at the house and XXXX was not properly served, it should not have been valid. However, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is XXXX XXXX who is on the way out, and would sign anything a debt collector put in front of him. My wages have been garnished for a total of {$2600.00}. In addition to the amount they claim I owed they are charging 31.24 % interest plus another 5 % interest for a total interest rate of 36.24 % which should be against AZ usery law. According to my records I should only owe around {$330.00} so I requested a settlement for the amount I have already paid. From the paperwork they provided me the credit limit was {$500.00} and they charged me over {$320.00} in fees. So in essence I am being charged 500 % of the original credit which is robbery. I am XXXX years old, I recently put my XXXX XXXX XXXX mother in XXXX. Im not a wealthy woman and this collector wants to take every last dime. They would rather put me out on the street than to settle for the {$2600.00} I have paid since XXXX. In todays economy its especially bad. Its not like I an take a second job to earn extra money. I believe these collection practices just border on the barely side of legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020I received a copy of my credit history report from Transunion.That Report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Debt collection

I had a credit card with capital one. About 6 months into having my card. I got sick ( XXXX ) was not able to work & was sick all the time because of XXXX. I called in & let Capital one know of my hardship & even sent my personal Medical file to prove to them what was really going on. After 3 years of fighting & getting back to some what normalcy. I was happy for a second chance in life but have hundreds of thousands of medical bills. Before I started with my medical payments I wanted to pay off capital one because by right I owe them so I called in on my own free will & spoke to a rep & said I going to make payments on my bill in full but I would like it deleted off my credit report cause its hurting me. She said no problem. I was not even thinking to get it in writing because I had so much problems & issues at the time & did not know how it worked. Paid my bill in full & The item was never removed from my credit report. They had it charge off got a tax write off & I still paid it in full. They even made it worst by reporting a late payment the very much I paid it in full. I wrote to them several certified goodwill letter. They refused I even sent the copies of all 3 credit report showing all the inaccuracies & late payments listed when they were never later! Company refuse. I requested a form for my taxes since my bill was over {$600.00} they have totally ignore. I never knew a company can be so heartless even tho I made good on my own free will. I requested to have the account completely removed because its doing so much harm. And the account has so much incorrect information.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}, XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
ACCOUNTS ; XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account XXXX amount XXXX I have no knowladge of this account. I have attached a FTC police report. This is fraud, Per the FCRA this needs to be removed immediately.