23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was served with summons for case number XXXX Filed by Dunlap Gardiner LLP Dunlap Gardiner LLP Presented them selve 's to be the Collectors for XXXX XXXX XXXX XXXX this means the FDCPA Rules Applied to them under 15 USC 1692a ( 6 ) Dunlap Gardiner LLP is in violation of State Law and the  FDCPA Rules XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP under Oath stated that the information in their Statment of Claim and Exibit A which was incorporated and made a part of their Statement Of Claim was Just and True in Violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury on Exhibit A ( 8 ) they told the court that they mailed a Collection Letter via first class and that the Defendant failed to Object ( Dispute ) to the Validity and amount fixed they also included a copy of said letter dated XX/XX/XXXX but it was actually posted XX/XX/XXXX account was disputed right away with a Dispute Letter Dated XX/XX/XXXX a copy of said letter is attached to this complaint and incorporated by reference and made part of this complaint In their own statement they prove they failed to validate this Disputed account in violation of the Fair Debt Collection Practices Act, 809 : Validation of Debts. 

FEDERAL court has ruled against Debt Collectors filling a lawsuit on Disputed Accounts UNITED STATES OF AMERICA VS ASSET ACCEPTANCE LLC 3. Case # 8:12-cv-00182-T-27EAJ COURT ORDER 01-31-2012 01Case # 8:12-cv-00182-T-27EAJ Ill. 
Asset acceptance was Order to pay pursuant to Section 621 ( a ) of the FCRA, 15 U.S.C. 1681s ( a ), and Section 5 ( m ) ( 1 ) ( A ) of the FTC Act, 15 U.S.C. 45 ( m ) ( 1 ) ( A ), the amount of XXXX XXXX XXXX XXXX XXXX dollars ( {>= $1,000,000} ). 
for violation of the FCRA and the FDCPA XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP have brought a Lawsuit against me by Lying to the court in their statement of claim this is a violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury they presented misleading statements showing a letter with a date of XX/XX/XXXX when in fact this letter was stamped by The United States Post Office on XX/XX/XXXX in an attempt to make the court believe the 30 days required to dispute a debt had already passed copy of stamped Envelope is attached to this complaint and incorporated by reference and made part of this complaint This is a Violation of the Fair Debt Collection Practices Act, 15 U.S. Code1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never removed late payments. 
I recently recived a copy of my credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Your company is in clear Violation of the law, Under 15 USC s1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instruction to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC s1681 ( 2 ) ( s ) ( i ) Exclusions from a consumer credit report Clearly states.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments accounts from my consumer report, this agency is in violation of 15USCs1681.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries in my credit report. I received a copy of my credit report from your bureaus on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I recently pulled a copy of my credit report and saw a a fraudulent account and name on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I called to chase Bank twice. I think it was on XX/XX/XXXX or XXXX and explained that I was been scammed, that I wanted to cancel a XXXX payment. They explained to me that a XXXX  payment can not be canceled. If I had made a purchase online that I had to wait for ten days to file a claim. That's what I did I waited for 10 days and called again to file a claim for the XXXX payment of XXXX dollars that it I was a scammed online they they not file a claim or reimburse me the money they didn't do anything to help me. The only thing they said to report it to the police. Please help me I do not want other people to go though this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Michigan Docket # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information in the comment section under XXXX  XXXX XXXX. THIS ACCOUNT WAS NOT SETTLED FOR LESS THAN THE FULL BALANCE. THIS ACCOUNT IS PAID IN FULL NOT SETTLED. THIS ACCOUNT IS NOW 7 YEARS OLD. SINCE YOU WON'T CORRECT IT, IT NEEDS TO BE DELETED IMMEADIATELY. YOU ARE VIOLATING MY RIGHTS UNDER THE FAIR CREDIT ACT,
Product: Credit card or prepaid card

A Target credit card was opened in my name and sent to my address. It was sent at the end of XX/XX/2021. I contacted the credit card company on XX/XX/XXXX and closed the account. I reported as fraud.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against COMENITYCAPITALBANK/XXXX for committing identity theft. I have never given COMENITYCAPITALBANKXXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Persians to 15 USC 1692c ( c ). I am demanding a feast and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COMMENITYCAPITALBANK/XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COMMENITYCAPITALBANK/ XXXX continues its collection efforts, I will file for litigation for actual damages caused and COMMENIGYCAPITALBANKXXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XX/XX/2020 did not authorize should not be reporting. Cancelled application right away with rental company and was told this would not report.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. I received an alert that a new collection account was placed on my credit report from Ability Recovery services ( Original creditor : XXXX XXXX ). XXXX XXXX was contacted Ive never attended that school so they the. Sent over a cancellation to Ability recovery. Ability recovery stated they sent over a notice of removal to the credit bureaus. It has not been received from the credit bureaus. This is not my account I am in process of purchasing a house and with these accounts on their that obviously dont belong to me is hinder my process. This is not fair I need this account removed immediately.
Product: Mortgage

I got a mortgage in XX/XX/XXXX from TCF Bank, I signed up for the " Command Protection '' which was explained to me as a job loss protection insurance policy. My mortgage person explained to me that in case of job loss TCF would make payments until I had obtained other employment. Of course to an extent, but it was some assurance that if something did happen and I did lose my job TCF would work with me. The charge for this was {$32.00} per month. Well in XX/XX/XXXX the unthinkable happened. I was a XXXX  XXXX for ten years with a local Michigan department. I was unlawfully terminated by a corrupt police administration. If you doubt me there is a current court case against the department brought on by 3 XXXX XXXX   who were unlawfully terminated by our department. I applied for unemployment however myself and other officers were denied by my XXXX XXXX department. My family was in a tough spot, however we still made our mortgage payments. In XX/XX/XXXX I called to ask if TCF could help us with making one mortgage payment and to see if some of our late fees could be waived. At first the customer service rep said not to worry that we were covered by the command protection. She said I could get some fees waived and I could get back on track no problem. She gave me a number to call, however I left repeated messages and never got a call back. After a week I called back the original person I had talked to. She now said I didn't qualify because I wasn't on unemployment. Well I explained to her that I was denied. Luckily around the same time, someone made an offer on our house and we sold it otherwise we probably would have gone into foreclosure. I complained to TCF about why I was paying {$32.00} per month for something sold to me as job loss mortgage payment protection, and then when I need it I did not qualify! I asked for my money back since XX/XX/XXXX because since it seemed like a scam and I couldn't use it anyways, they said no way would they give me any money back and in fact charged me {$32.00} one more time before my house sold! I want all my money back for this useless " Command Protection '' product and the public should know that it's almost impossible to get any help from TCF Bank if you run into problems paying your mortgage. If they would have helped us out on just one payment, it would have meant the world to me and my family, but they couldn't even help us one bit. I want all my money back. Over the course of my mortgage, I counted up {$6100.00} in " Command Protection '' fees that I paid for a service / protection policy I could not use. TCF will lie and say it's not " insurance ''. My mortgage rep called it insurance and sometimes on my statement it was described as insurance. This " Command Protection '' was explained to me as a protection for me and my family NOT an extra income stream for TCF Bank. I have my statements to show the charges that I can email. The statement was too big of a file to upload here on this page.
Product: Checking or savings account

My husband and I have separate addresses due to personal problems. We have had a joint account for years before the separate addresses that I don't use. Because of my credit problems I filed a bankruptcy, he did not. I have not worked in years, he's the one who works and makes deposits into this account. Wells Fargo went in and froze my husband 's account with almost {$8000.00} in it. My husband is blaming me and is very upset. My attorney said my bankruptcy  would not affect my husband in any way, but Wells Fargo has frozen his assets. My attorney said they are about the only bank they know of who does this type of unfair practices to their customers. My husband has bills and mortgage and other items to take care of, as well as it being the holidays. Can someone help to unfreeze this account?
Product: Student loan

Twice Ive submitted full payments of the amount of {$3500.00} to Edfinancial and both times have been reversed even after the status of the payment has been set to accepted. Its really annoying cause I just want to pay for my loan and they are no help. Customer service said its because I dont cover the {$3500.00} in my XXXX XXXX but I clearly do. I just want this fix and your help would be really appreciated. This is a common issue with Edfinancial, they are making borrowers go through many problems just to pay back their loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 report agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent experian a dispute letter via certified mail with return receipt along with a copy if my drivers license and social security card. They refused to reinvestigate my credit dispute. This is my second attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX  Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$4500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' DELETE FRAUDULENT ACCOUNT PERMANENTLY AND INDEFINITELY NOW THANK YOU DISPUTE RESPONSE!!!!!!! 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I successfully paid off my loan with TD Auto Finance and they have not reported the account as paid in full but rather have reported the account closed. This has a negative effect on my credit.
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX numerous times regarding my derogatory items on my credit report. to no avail has XXXX tried to retify the situation. ive also stated that this is a clear violation of my right to privacy as well as numerous other violation. No one has reached back out to me when i requested validation of this debt. This has been a very hard strain on me and my family regarding this fraud that continues to take place. as a result im being harrased by numerous collection agencies that refuse to stop calling and harrassing me over thi fraudulent reporting. which is a clear violation of the FCRA. The companies theyre reportin are as follow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I m not sure how they obtained this information because i have not contract whatsoever with this company. Nor did i consent to have my information transferred.