23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent an inquiry via certified mail USPS # XXXX to Synchrony Bank/ Care Credit XXXX XXXX XXXX XXXX Florida XXXX. 

The inquiry was regarding an account # XXXX in the amount of {$4400.00} listed on all three of my credit reports as a charge-off, this is not my account. 

In the letter I requested for Synchrony Bank Care Credit to provide all documentation and records related to this account, I requested all documentation and records related to opening up the account in order to show that I did not open this account. I requested that the negative charge-off information be removed from the three credit bureaus and for my credit file to be updated to reflect the accurate changes. I asked for all documentation to be mailed to my attention @ XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. 

Synchrony Bank/ Care Credit has never responded to my inquiry nor did they correct the matter. Synchrony bank by Federal law is obligated to respond to my inquiry in a specified timely matter of which was not done. 

See attached copy of my dispute that was mailed certified receipt to Synchrony bank/ Care Credit on XX/XX/XXXX as well as I have additional information for your review as well. 

1. Cert Mail XX/XX/XXXX which is the purchase receipt for the certified mail # XXXX. 

2. Cert Mail XX/XX/XXXX Page 1 of 6 pages is my copy of the USPS certified receipt sent, Page 2 of 6 is contains my dispute letter to Synchrony Bank, Page 3 to 5 contains a copy of my XXXX  credit file listing the incorrect account, Page 6 of 6 contains a copy of my drivers license. 

3. USPS Tracking Receipts- this shows the date and time that Synchrony Bank/ Care Credit received my certified letter XXXX XXXX containing my dispute.
Product: Credit card

Subject : Complaint Regarding Forced Credit Card Closure and Unredeemed Cash Rewards Dear Sir/Madam, I am writing to express my dissatisfaction with the handling of my credit card account. Bank of America recently forced the closure of my credit card account without providing a reason or prior notification. 

At the time of the closure, my account had accrued over {$300.00} in cash rewards. However, since the card was closed by Bank of America and not at my request, I was subsequently denied the ability to redeem these rewards. I find this action both unjust and contrary to the principles of fair business practices. 

I kindly request a prompt review of my case and the reinstatement of my cash rewards balance for redemption.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX  : XXXX : Bank Credit Cards account XXXX - XXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.
Product: Student loan

My student loan was serviced by ACS ( now Conduent ) until XX/XX/2017, at which time which it was transferred to XXXX. 

I need to get the complete payment/account history for my account for the time that it was serviced by ACS, but can not find a working phone number for ACS/Conduent. I am also unable to log in on their website.

I would also like to know if my account was affected in any way by the mismanagement of loans that took place while under the control of ACS.
Product: Credit reporting or other personal consumer reports

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for one year. i decided to purchase my first set of credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got two credit cards from XXXX  XXXX XXXX, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Product: Debt collection

I was not aware of any debt owed to XXXX or TSI until posted to my Credit Report by TransWorld. Per my XX/XX/19 XXXX XXXX  conversation with your TSI Representative XXXX XXXX /XXXX  she could not verify " XXXX  '' as original creditor. She informed me that I was a " consignor '' and did not offer to send proof but informed that she could/would only " note dispute ''. I have not received any communications from XXXX XXXX or Transworld Systems as to debt owed at anytime. I have no knowledge of XXXX XXXX. They have failed to provide initial written communication to me.
Product: Credit reporting or other personal consumer reports

My US bank card shows a balance from XXXX on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence. 

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past XXXX  years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws.

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company that purchased the debt from XXXX XXXX is very unprofessional. They have left threatening messages on my phone multiple times. They have been incredibly rude and issued threats because I was unable to pay. They have lied about who actually owns the debt and whom is being paid for the amount that is owed.
Product: Vehicle loan or lease

My installment loan with State Farm is inaccurately reporting on my credit file late. I have never been over 30 days late on my auto loan
Product: Bank account or service

I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a fact, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.
Product: Debt collection

I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax, XXXX am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit file, I noticed several hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a credit bureau may only include inquiries in a consumers credit report if they are permissible under law and if I provided explicit authorization. Since I did not consent to these inquiries, I am formally requesting their immediate removal. 

The disputed inquiries are as follows : 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 1681i, I am requesting an immediate investigation into these inquiries. If the companies listed above can not provide verifiable proof that I authorized these inquiriessuch as a signed application or recorded verbal consentthese inquiries must be removed from my credit report. 

Please consider this letter my formal dispute. I expect written confirmation of your investigation and the results within the legally required timeframe of 30 days from receipt of this letter. Additionally, if these inquiries are not removed, I request full documentation showing proof of my consent. 

I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Please investigate this matter and confirm the removal of the unauthorized inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX on XX/XX/2019 the day before I even showed up at XXXX XXXX dealership, which is an affiliated company. This inquiry was not authorized by me and appears to have been done in a nefarious manner. I authorized no inquiry until XX/XX/2019 when I came to the dealership, when XXXX did a credit inquiry for a second time but with their true name XXXX/XXXX XXXX/XXXX  short for XXXX   XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
It was done in a nefarious and discreet manner to avoid detection. I spoke with the affiliated company XXXX XXXX, whom I have never had any dealings with and they told me that their credit inquiries are under the name XXXX XXXX XXXX. They are also located four hours from my home and I have had no dealings with them. 
The XXXX dealerships are saying that they do not know where this inquiry came from and EQUIFAX has been of no help. I have sent them my drivers license and a 1099R to identify myself and they still will not talk to me. I did put in a request to have this inquiry removed but i have no ability to check to see if this has happened. I should indicate that i became " locked out '' of my credit file after filing a complaint with XXXX XXXX and XXXX XXXX. Equifax would not even tell me why they wouldn't talk to me. AND WHEN I ASKED WHO I WOULD COMPLAIN TO ABOUT EQUIFAX, THEY TOLD ME THERE IS NO REGULATORS WHO WATCH OVER THEM. JUST COMPLAIN TO THEM. I knew that could not possibly be true. In addition, i was asked several times for my social security number, and it was repeated with other people in close proximity to the person taking my call. I could hear them. It sounds like an overseas operation and i question why they insisted on repeating my social loudly.
Product: Debt collection

I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them. 

However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.

XXXX XXXX  never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''. 

Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Debt collection

I received a phone call from a debt collector who did not identify themselves saying they were collecting a debt on behalf of XXXX around XX/XX/XXXX. I did not recognize the charge and pressed for more details. They said I owed XXXX for a trade in that did not happen. When I pressed for more details the collector said they had mailed a letter out explaining it the day before they had called me. I informed the person on the line that I would take no action until I received something in writing. They then hung up on me. I immediately called the financial institution that houses my XXXX financing account. They had no clue what the XXXX debt was and had no records of selling a XXXX dollar debt or sending it to a collection agency. And I have received no written communications or phone calls from XXXX itself to communicate any sort of outstanding debt. 

After, I verified my account was up to date and paid. 

I received a letter in the mail from a company called " Convergent Outsourcing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX '' charging the XXXX. Dated for XX/XX/XXXX. On the back of the letter it says that unless the office is notified in 30 days, that you are disputing the charge, that they will consider the debt valid. 

A quick search shows many upset consumers are saying that this company has fraudulently charged them and negatively impacted their credit reports. Many other people have been charged for accounts that they do not own. I will not pay this collections notice until I receive verification from XXXX or my financing institution that this debt is legitimate.
Product: Credit reporting or other personal consumer reports

I'm really frustrated because my credit report has wrong info like my name, address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( XXXX, Experian, and XXXX ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX,, DOB : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : 1. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need the attached inquiries deleted from my credit report because I did not authorize these companies to run my credit. It's fraudulent.
Product: Debt collection

There is this merchant named " XXXX  '' that I filed a fraudulent dispute against in the past as it somehow got my Capital One credit card information. Yet, after I changed my Capital One card numbers multiple times, the merchant XXXX  was still able to process new transactions through my new card numbers. Considering I never provided XXXX with my new account numbers, I believe Capital One allows past merchants to be able to see the customer 's new account number. 

When I request for my capital one credit card to be closed on XX/XX/XXXX, I paid off the balance and did not see any incoming transaction. Suddenly, now I received a statement from Capital one {$85.00} charges from XXXX on XX/XX/XXXX. When I called customer service today XX/XX/XXXX to file a dispute, the female representative was very " annoying ''. She kept asking " did you give your new card number to the merchant? ". I told her no. I told her there were disputes against this merchant in the past, so no reason I would have given the new card to the same merchant I had disputed against before. And more importantly, I closed my card BEFORE these transactions occurred. Then she asked me that very same question again as if she was trying to irritate me or to avoid solving the issue.
Product: Debt collection

Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company.

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct.

Moreover, under the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.