23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2021 I noticed a delinquent account on my credit report from a company named Capital Accounts and it says original creditors name is XXXX XXXX  XXXX. The amount owed says {$1200.00}. On XX/XX/2021 I wrote them a letter asking to validate the debt and show me some documentation bearing my signature that I owed them a debt. They responded with a letter saying that " Enclosed is the itemization you requested. This account has accrued {$350.00} in back interest and monthly interest for a total balance of {$1200.00}. '' The back page was blank and no itemization or documentation bearing my signature was included in the letter. I wrote them back on XX/XX/2021 as a goodwill to try and obtain the information I was requesting. They responded with another letter stating the itemization I requested was enclosed and I now owed 1251.02 but the page was blank. In another claim # XXXX, this company sent me a copy of my personal protected health information including procedures I may have received and is in violation of HIPPA laws as I never provided this information to them. They also have not given me the requested information of any document bearing my signature stating we have contracted and I owe them a debt.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681a ( 2 ) ( 3 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by a consumer. 
( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of theconsumerto whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

For the purposes of 15 USC 1681b et seq., this Notice has the same effect as a dispute to the validity of the erroneous reports and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires. Furthermore, present your proof and send me copies of my written signature giving consent to this matter please.

The items included herein should all be removed from my consumer report under 15 U.S. Code 1681a ( 2 ) ( 3 ) ( a ) ( i ( 2 ) and 15 U.S Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

15 U.S.C. 1681i and 1681j : These provisions mandate that credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & ; 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
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 confidently under 15 U.S.C. 1681. 

XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX Dept of ED/XXXX  Account XXXX DOE XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX Account XXXX
Product: Debt collection

On XX/XX/XXXX, I was sent a letter from the Law Office of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX  and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX  that my credit score dropped. I went online and saw the debt collection company " National Credit Systems Inc '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of XXXX XXXX XXXX and the company " National Credit Systems '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX  to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from XXXX XXXX fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX PM Free Msg-XXXX XXXX XXXX Fraud Alert-Did You AttempXXXX To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is XXXX XXXX customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with XXXX XXXX XXXX XXXX on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX PM TD Bank XXXX WON'T CALL for this XXXX code, Enter : 635606. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back XXXX XXXX at XXXX and filed XXXX fraud claims realizing I had been scammed. XXXX XXXX has since denied my claims. Since TD Bank was the receiving financial institution I have to file with them. However since I do not bank with TD bank they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Court Reference Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My XXXX XXXX - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Product: Credit card or prepaid card

Wells Fargo overcharged me. They sent me one check so far but I had another account I never received anything for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Employers : XXXX  3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it from my credit report. 

15. The following information is outdated. I would like it removed from my credit history report Account Number : Please remove it from my credit report. 

16. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX 17. The following personal information is incorrect Account Number : Employers : XXXX 18. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX 21. The following personal information is incorrect Account Number : Employers : XXXX 22. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 23. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Reporting Act, XXXX  account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Spoke to Home Depot to notify of passing of relative. Let them know there is no estate or will or anything to collect from. Now they are sending correspondence to the relative daughter to collect on the debt that has nothing to do with her.
Product: Debt collection

In XX/XX/2023 I filed a XXXX XXXX XXXX, which included a garnishment collection. Due to federal law I'm entitled to receive funds back from XXXX days prior of the XXXX filing. After the discharge a representative from lawyers office made contact with Klima , Peters & Daly , P.A . and requested the funds. The Company/attorney from Klima, Peters & Daly . P. A. begin to not answer questions and became very allusive in communication. Upon receiving this information I tried to make contact and they again refuse to give me information about my account due to me 'having representation '. In XX/XX/2023 My lawyer again tried to communicate with Klima, Peters & Daly and talked directly to XXXX XXXX and was told a check would be cut and sent out immediately. The lawyer also advised that monies held by the sheriff office was sent directly back to my companies payroll. After communicating with my payroll and HR I was told that no money had been sent. in XXXX I again reached out to my lawyer and was told that they were having problems reaching XXXX XXXX. To this day XX/XX/2023 I have not received any payment and still getting the run around
Product: Checking or savings account

I have tried opening accounts with Two banks ; XXXXXXXX XXXX  and XXXX XXXX  XXXX, in the last few days which have all not been possible. One reason I was given was a low deposit credit score. I do not know why I am getting rejected for all the checking accounts I applied for.
Product: Credit card or prepaid card

I applied for a credit card through credit karma who claimed that I had been pre-approved for an offer ( this actually happened more than once! ). However, after submitting my application to XXXX XXXX, my application was denied and my credit score fell by XXXX  points. I waited to get my reason for denial in the mail and was told that my revolving credit amount was too high... understand. But, why did credit karma trick me into thinking that I was going to be approved in the first place? Making me think I had been pre-approved, and since they obviously should know my credit score, I trusted them and got burned. Big sad face!
Product: Debt collection

Unfortunately I been having issues with some type of debt collecting agency that I have no idea how I got into. It 's a fee every month they send through a email but I have NEVER borrowed money from whoever this is. So I 'm very confused and the fee is just going up every month, I do n't know what to do.
Product: Debt collection

On XX/XX/XXXX I called Conns Appliances Inc collections department to pay the balance that was owed and clear the debt owed to the collector. After speaking with one of the representatives and getting a manager involved, they decided that I could settle for less than the full amount so that I could fulfill my debt obligations. I asked what would be the amount that they agreed to settle on and both the manager and representative stated the amount would be {$890.00}. I agreed to pay that amount and required written documentation that after the payment was made, they would report to all 3 credit bureaus that my account was paid in full and that it would be deleted from my credit reports as well. 

The manager assured me that as soon as my payment is processed that I would receive an email notification and a letter in the mail that my obligations has been fulfilled and a request for deletion has been sent to the credit bureaus. I asked for at least an email prior to my payment so that I could feel confident in them fulfilling their obligations on their end. The representative stated that the email and letter to be mailed would only generate after my payment was made. They assured that they would request for the credit bureaus to update to show paid in full/settled for less than the full balance and to be deleted also. I gave in to their pressure and words affirming what they would do and I made the payment. I have attached my receipt of payment for review of fulfilling my obligations. 

As of today, they did not follow up on their end of the deal. I have yet to receive an email or a letter in the mail regarding my payment and the fulfillment of my obligations with taking care of my debt. My credit report not only shows that I am in charge off status, but they turned around and reported 51 collection months XXXX. Before I made a payment, my credit report only showed XX/XX/XXXX in collections and my account showed closed due to collections. My XXXX XXXX has even dropped over 50 points because they went back and added moths of negative reports in collections XXXX and are currently still reporting that I am in collection status. How is this possible when I made my payment on XX/XX/XXXX? The account status shows a {$0.00} balance and closed, but they are still reporting negatively and have me in charge off status. 

I have tried to contact Conns Appliances Inc several times to have this updated, but everyone has been extremely rude and states that there is no account on file for them to update as everything has been closed out. I would like my account to be deleted and updated with all 3 credit bureaus as this has been a horrible experience trying to pay the debt that I owed and have my credit reports reflect properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries from finger hut that I never had anything to do with
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding the following account due to MULTIPLE inaccuracies and inconsistencies with hope that you would amend the errors. 

XXXX XXXX XXXX Pursuant to 15 USC 1681i I demand this account be deleted from my consumer report.
Product: Mortgage

my XXXX  passed away, and I became his XXXX. I have reached out to the bank multiple times and gave them the information that they requested from me, which was the death certificate the affidavit de deeds everything that they have asked of me I have sent to them. I have sent these things to them three times. I have resubmitted them. They have told me that they have lost them at one point. I was good to go the next point I wasnt. Ive been trying to get a short sale packet so that the house doesnt go into foreclosure. I just keep getting the runaround. Theyre not giving me a straight answer. They always say someones gon na call me and dont I dont understand. I dont know what else to do. Its already been a hassle being that my XXXX  is deceased. I have not been able to grieve him because Ive been dealing with this House situation. I really need someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a constant dispute with my public record at XXXX and Equifax. Bankruptcy on my credit reports has falsely been reported. This has hurt my credit tremendously. I have contacted this agency, XXXX the 3rd party vendor to dispute the claim. Since then XXXX has removed the reporting. Therefore it should be removed from the Credit Reporting Agencies. Equifax has not removed this from my public record and neither has XXXX. I have attached the letter from XXXX stating it has been removed. The monthly reporting of this is a violation in accordance with FRCA.