23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccuracies present on my credit report, which have been reported by CONN APPLIANCES , INC . Upon reviewing my credit report, I have identified several violations of federal laws in the handling of my account, as outlined below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite numerous requests, I have not received sufficient documentation to validate the debt they claim I owe. This failure to provide validation directly infringes upon my rights under federal law.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper channel through which I can challenge the accuracy of the reported information, thereby denying me my statutory right to dispute the account.

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. These actions violate my consumer rights and undermine the integrity of the credit reporting process. It is imperative that such unethical practices be addressed to ensure fair treatment of consumers.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This blatant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) constitutes a clear violation of my rights as a consumer.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against CONN APPLIANCES , INC. for failing to comply with federal laws and disregarding consumer rights. 



Thank you for your prompt attention to this dispute. 

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

-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX  -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX   XXXX -DATE OF INQUIRY XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.
Product: Debt collection

The office of Arnold Scott Harris , P.C . Attorneys At Law, have violated the Fair Debt Collection Practices Act ( FDCPA ) in their most recent written communication to me. They violated the FDCPA by making a threatening statement that was clearly untrue. I have not only verified that this statement was untrue with the XXXX XXXX, but have also had a representative of Arnold Scott Harris ' collections department confirm the statement was 100 % false. 

A portion of their letter to me reads as follows, " By paying your balance in full or starting an approved payment plan YOU WILL BE REMOVED FROM THE BOOT LIST. You can pay with credit/debit cards over the phone or by calling us today. '' The obvious implication of the sentence about is that I am on the boot list, and am in danger of having my car booted and/or towed away at any moment. 

That statement is 100 % false. I called the XXXX XXXX XXXX office yesterday ( XXXX XXXX ) upon receiving this letter and spoke with a representative named " XXXX XXXX. '' I asked XXXX XXXX about this letter and whether or not I was actually on the boot list. He said that I was not on the list. I then asked him why the letter states that I am, and mentioned this was a violation of the FDCPA. XXXX XXXX went to retrieve a supervisor, but none were available. XXXX XXXX ended the call by assuring me that I was not on the boot list, as the letter claimed. 

On XXXX XXXX, I decided to contact the XXXX XXXX. The purpose of this call was to confirm whether or not I was on the boot list. I provided my licence plate number, drivers license number and the VIN number of my car. The representative informed me that there was only XXXX ticket on their record ( the one with XXXX XXXX XXXX ' office ) and that I was not on the boot list. 

It is abundantly clear from the letter that Arnold Scott Harris ' office wishes to scare me into thinking that my car is about to be booted and/or towed/impounded if I do not pay this bill. Why else would they say, " you will be removed from the boot list '' if payment is received? This is a clear violation of the FDCPA, as their own representatives agree that I am not on the boot list, yet their letter threatens otherwise. 

This is obviously a form letter, so I am clearly not the only person who has received such a letter. How many others are out there who are n't on the boot list, yet are being threatened with actions that the firm knows will never take place? 

This is completely unacceptable. A law firm should certainly know better than to issue a collection letter that is clearly in violation of the Fair Debt Collection Practices Act. Is Arnold Scott Harris somehow unaware that making false/misleading statements in order to collect a debt is illegal? I doubt it. I 'm sure this language is included in the letter on purpose, as scare tactics can be persuasive. 


PLEASE NOTE : Only XXXX options were allowed to " describe the issue. '' None were an exact match ... so I went with option XXXX. It is clearly an FDCPA violation, however.
Product: Credit reporting or other personal consumer reports

( XXXX ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public confidence, which is crucial to the banking system 's ability to continue operating, and inaccurate credit reports directly affect the effectiveness of the banking system. Therefore, the effectiveness of the banking system is harmed anytime there is a breach of the FCRA. Since I have discretion over what is and is not listed, this is a violation of my privacy with regard to my consumer report. If any accounts are reported without my express written authorization, identity theft will have occurred. This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681n, which allows for {$1000.00} per violation for accounts listed without my express written agreement, this opens the door to civil action against the credit reporting organization for careless and willful noncompliance.
Product: Debt collection

On XX/XX/2018 I received an alert through my credit monitoring site. The notice I received was a notice that Diversified adj svr had added an account to my credit report totaling {$670.00}. First of all I have NEVER recieved any type of letters or phone calls from this company. I have no signed contracts with this company and I also researched them and seen they were based in a state that is not the State of Michigan. According to the Fair Debt collection Practices act ( FDCPA ) what they have done is completely ILLEGAL and seeing as I have already talked to my lawyer I am entitled to compensation of {$1000.00} in statutory damages. Because of reasons such as this I have the USPS ( government ) send me electronic versions and screen copies of all mail that is sent to my address for my safe keeping and have legal proof that nothing was ever sent to me, so like I said this company needs to cease and desist all collections regarding this make up debt or I will exercise my consumer rights as high as I can. I want these falsified items deleted from all of my consumer reports NOW.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove the following account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX - ACCOUNT BAL {$15000.00} - CHARGE OFF ACCOUNT WITH OPEN DATE XX/XX/year>. ACCOUNT HAS BEEN CANCELED AND DISCHARGED. WILL PRESENT all 1099Cs for debt cancellation. 

As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states : Congress has established that the accuracy and fairness of credit reporting are essential to the functioning of the banking system, as detailed in this section. Inaccurate or unfair reporting methods directly impair the efficiency of the banking system and undermine public confidence. The presence of inaccurate or unverifiable information on my credit report contradicts these principles and needs to be addressed immediately.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : This section stipulates that a consumer reporting agency may furnish a consumer report only under specific circumstances, including with the written consent of the consumer. I have never provided such written consent for the accounts in question.

15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies the conditions under which certain adverse information may not be included in a consumer report. The presence of unauthorized accounts on my report violates these conditions and is causing unjust harm to my credit standing 3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section mandates that furnishers of information to consumer reporting agencies must not furnish information that they know or have reasonable cause to believe is inaccurate. The inclusion of these unauthorized items suggests non-compliance with this obligation.
Product: Credit reporting or other personal consumer reports

Please remove the following inquires as they were not performed by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX : # XXXXXXXX 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 an 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 or 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

My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt? 

No it doesnt. So why is the score impacted? 

Credit reporting bureaus having massive differences in scores??? Why?? 

Why do only 2 agencies show up on the scores? XXXX  and Equifax? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this stupid country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same # % *ing house XXXX!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.
Product: Vehicle loan or lease

Applied for automobile financing at XXXX via Westlake Financial Services and a down payment was requested three times each on XX/XX/2022 and XX/XX/2022, which is a violation of 15 USC 1601, 15 USC 1662 and 15 USC 1691.
Product: Checking or savings account

I have worked in banking so I understand the traditional banking delay for a deposit of XXXX since I specifically handled XXXX  lending. On XX/XX/year> I deposited a {$500.00} check from my mother with the same last name to my fidelity checking account. It is now XXXX weeks later and XXXX says my funds will be released on XX/XX/XXXX nearly a month after the initial deposit was made After reaching out they told me it was for security reasons. I'm not sure how that is legal given the federal guidelines and the obvious lack of " concerning evidence '' considering the funding source is family with the same name. This caused harm to my credit scorXXXX since it caused me to bounce a CC payment on the XXXX and caused me to incur a {$40.00} late payment fee. Nothing about this seems normal and only benefits XXXX. They both traded on overnight lending of those funds for a month and got my late penalty payment since they also own the XXXX account. I filed a complaint with XXXX and could get nowhere with them even when I escalated to their management. They told me I could take my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Jefferson Capital syst company called me trying to collect a debt that was not owed to them. I ask them to stop reporting me to the credit bureaus because I have no debt owe to this company. I do not even know who they are. My original debt with XXXX XXXX is over 10 years old. Please stop reporting to the credit bureaus ruining my reputation and causing me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 letters were regarding inaccurate and incorrect stuff on my credit report. It has been 60 days and I have yet to receive any type of response yet or acknowledgment in regards to my credit accounts. I am clearly being taking advantaged of, and my disputes are being ignored by XXXX, XXXX  and Equifax. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has been over 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am currently a victim of identity theft and although these companies are aware of this they continue report false and misleading information on my accounts which is clearly not legal.
Product: Student loan

XX/XX/XXXX I mailed out a XXXX dollar money order. I've given them enough business days to reflect it on my account. I go and check at the post office to hear they have cashed my money order and it's not my account. I've called for XXXX weeks straight to get it situated, emailed and uploaded my money order receipts directly to them and the only thing they say is that their finance department is cut off to them, and they know nothing about what they do in that department. I've received no help with Edfinanical. I'm a XXXX XXXX and I'm trying to pay my loan off because it's gaining interest. This is the XXXX time I'm dealing with them cashing money orders and not reflecting it on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has sold and giving false personal information to XXXX XXXX and its fraud. I did not give my personal info to that company or consent. they are harrassing me. i would like XXXX XXXX XXXX  removed off my report before lewgal actions
Product: Checking or savings account

XX/XX/2019 : Synchrony Bank wired {$190000.00} from my savings account to XXXX XXXX XXXX without my authorization. 
XX/XX/2019 : Synchrony Representative XXXX XXXX called me to ask if outgoing wires that day of {$130000.00} from my savings account & {$120000.00} from my CD were authorized. I said no. XXXX froze my accounts & online banking access. Eventually the {$130000.00} & {$120000.00} were returned to my accounts. However I could no longer see my accounts online. 
XX/XX/2019 : I called Synchrony & spoke with Rep XXXX who tried to id me. She had the wrong answer to my security question about where I was married. Eventually she verified my id & told me my account activity. This included a {$190000.00} wire on XX/XX/2019 that I did not know about. Then I left a phone message for XXXX about the {$190000.00} wire. 
XX/XX/2019 : When XXXX called me back I told her the {$190000.00} wire on XX/XX/2019 was not authorized by me. 
XX/XX/2019 : XXXX called me and said Synchrony wired {$190000.00} to XXXX XXXX XXXX & these funds are gone from XXXX XXXX. Synchrony Bank will not return these funds to me because I was a victim of identity theft. 
XX/XX/2019 : I sent a letter to XXXX with my Police Report of XX/XX/2019 and my Federal Trade Commission Identity Theft Report of XX/XX/2019. 
XX/XX/2019 : I sent a letter to XXXX requesting status of {$120000.00} and {$190000.00} stolen funds that had not yet been returned to me. 
XX/XX/2019 : I sent a letter to XXXX requesting payment to me of {$120000.00} & {$190000.00} plus related interest & fees. 
XX/XX/2019 : I received from Synchrony {$120000.00} for my {$120000.00} claim plus interest and fees, which satisfies this claim. 
XX/XX/2019 : XXXX told me Synchrony will not return to me the {$190000.00} stolen from my account because this was due to my identity being stolen.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased concert tickets for my daughter for a show that was to happen in XXXX of that year in XXXX. The tickets we're for {$600.00}. ( A ) The event was XXXXXXXX XXXX. 

On XX/XX/XXXX the concert was postponed due to Covid until XXXX of the following year. My daughter was not yet XXXX and I could accompany her to XXXX but the XXXX dates did not work for us. 

I called the company to get a refund but they said it was past the allotted time for a refund. ( 7 days ) They claimed they sent me an e-mail but the e-mail address they allegedly sent it to was not one I had, or ever had. 

I disputed the charge with my credit card company, Chase, stating I did not receive the service I paid for. XXXX XXXX, the concert name, sent information showing that I had the tickets so I actually DID receive what I paid for. Their PROOF was a receipt for a different dollar amount and for a person that wasn't even me! ( B ) It was for a person named XXXX who lived in New York. ( If you look at ( B ) you will see neither the dollar amounts, name, or dates match! ) Chase unfortunately STILL took their side because I had stated that " I didn't receive the service '' Basically, that I filed the complaint wrong. They said I could re-submit and open the file back up. I did, and they came back that I was too late. 

Now in XXXX they postponed the event again and again gave a 7 day window for a refund. I carefully submitted my refund request. I photographed the screen after I submitted it. ( D ) After receiving no response from them I actually contacted the ticket vendor for the show, Front Gate Tickets, and explained the entire situation. They sent me an e-mail, ( E ), showing that I had already received a refund. If you look at the form, none of the days or dollar amounts match. ( The final refund they are claiming I received happened before I even bought the original ticket! ) It was clearly not my account and I asked several items to show my name on these " refunds '' and they simply stopped responding to me. 

I called Chase to again re-open my claim. By this point I had clearly been flagged as a complainer as they were short with me, rude to me, and I was even hung up on twice. I re-submitted my claim, and they denied me again. When I called to ask why, AGAIN, I was told the case was too old. I asked to speak with a Supervisor, was placed on hold for quite some time, then she explained to me that since the original claim was filed incorrectly they would not help me. 

I am beyond frustrated and disappointed in Chase for not only NOT having a customers back but for making me feel like I had done something wrong and I was bothering them! 
I would appreciate any help you can provide. 

I'd also like to note that 3 other girls were to go to this show with my daughter. They all asked for refunds and were ALL denied. Their credit card companies just had their backs!
Product: Debt collection

My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no {$400.00} to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!
Product: Checking or savings account

On XX/XX/2019. My phone was hacked by an 800 phone number XXXX found on XXXX thinking it for XXXX  costumer service when I needed help to cancel a transaction I sent to a friend through XXXX. But unfortunately they hacked my account by taking my name, phone number and the device am using to access XXXX  and {$1200.00} was stolen through XXXX  XXXX. I called XXXX  but XXXX says they can not accept my claim because my phone was used on XX/XX/XXXX to access XXXX  so they have no evidence that I didnt authorized those transactions. I have explain to them several times that I didnt authorized any payment and my phone was hacked because they people ask me what phone am using, and I didnt know anything so I told them the device. But XXXX still dont want to help me trace my money. At this point I know they wont help. They are aware that people are using their app to scam people in the app but they have ignored and dont do anything about it. I need help getting my money back because I didnt authorized any transaction and dont know these people. Thank you.