23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ref : Credit Report Collection Account, XXXX XXXX XXXX, Dated XXXX XX/XX/XXXX To Whom It May Concern, I am writing regarding the entry on my credit report from XXXX XXXX XXXX regarding a debt they allege I incurred to XXXX XXXX TX in the original amount of {$7200.00}. 
I fully and wholeheartedly disagree that I owe any debt to XXXX XXXX TX or XXXX XXXX XXXX. 
On XXXX XX/XX/XXXX I arranged to lease an apartment at the XXXX XXXX XXXX complex, XXXX XXXX. XXXX XXXX in XXXX Texas. The rental rate for the apartment was {$730.00} per month and the lease commenced on XXXX XX/XX/XXXX. 
On XXXX XX/XX/XXXX I found it was necessary for me to vacate the apartment due a change of employment and a family health emergency. I spoke with XXXX XXXX XXXX management personnel and inquired about options for a lease buyout. XXXX XXXX XXXX management personnel referred me to page number thirty-nine of my lease and the section titled LEASE BUYOUT AGREEMENT. I have attached lease page number thirty-nine to this letter and can provide a copy of the full lease if necessary. In accordance with the LEASE BUYOUT AGREEMENT section, XXXX XXXX XXXX management personnel determined and agreed that I could buy-out the lease by paying the buyout fee of {$1400.00}. I immediately paid the {$1400.00} buyout fee plus {$36.00} in ancillary fees in the presence of XXXX XXXX XXXX management personnel as is referenced on the attached copy of my credit card statement for that month. I vacated the apartment on XXXX XX/XX/XXXX and left the apartment in clean and undamaged condition. 
I have had no contact from XXXX XXXX XXXX complex or XXXX XXXX XXXX until I noted the collection entry on my credit report and filed a dispute about the matter with XXXX. I would note that XXXX XXXX XXXX management personnel have had my correct and current address after I vacated the apartment as they had forwarded at least XXXX delivery to me that was received there after I vacated the apartment. 
I deny that I owe any amount to XXXX XXXX TX OR XXXX XXXX XXXX and would note that the only correspondence I have received from either entity is a letter I received yesterday from XXXX XXXX XXXX dated XXXX XX/XX/XXXX in which they allege that I owe the original {$7200.00} plus accrued interest. A copy of that letter is attached. XXXX XXXX XXXX has not provided me with any verification, validation, billing or account statements, or any information regarding their ownership and authority to collect the alleged original debt or the reason that they believe I owe same. 
I would like to dispute this debt and all reports and records regarding this issue on my credit report and would additionally like a copy of this letter and attachments to be included in my credit report and provided to anyone who requests same until this matter is resolved or the incorrect debt information is removed. 

Thank you for your help and attention to this matter. 

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

Please remove inquiries : ( 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 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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Bayside Capital keep contacting me about a debt that I know nothing about. They gave me their information but the guy ask me was I'm going to pay it. I replied that I don't have money to give away on a debt that I don't have. They called my phone threatening to serve me. I have the messages on my answering machine and I also have both conversation I had between both guys saved in my phone. Luckily, I record EVERY conversation I have on my cellphone. I explained to them that my attorney has to look into this. The guy went on yelling at my saying I'm scamming these people out of their money. He also said that they will seize 25 % of my earnings. On an account I know nothing about. I work too hard for my money just to give it away so easy. This is the second time this has happened. My next course of action is to get the police involved and file a police report. I'm not going to give up my money to a bunch of scammers. They gave me my daddy 's previous address. We have relocated twice from XXXX XXXX. I do not appreciate these threats. A legal company is not ran like that.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

These inquiries on my report I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

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

Dear Sir/Madam : Synchrony Bank closed my XXXX XXXX XXXX store credit card account in early 2020 due to identity theft that happened to me. 

Once found the fraudulent activities I immediately reported to XXXX, XXXX  and XXXX  credit agencies and tried my best to get my credit recovered. In the meanwhile, I contacted Synchrony Bank to let them know my situation,. I even called and wrote a letter to the bank manage requesting that they reopen my credit account. I further offered to deposit a special amount of cash as a guarantee or back-up for the credit account. As a matter of fact, I myself has been a loyal customer of the Synchrony Bank and keep a decent savings account with them for many years. 

As of this date, XXXX  website shows my credit score as XXXX  and marked my credit as " Good ''. XXXX website shows my credit score as XXXX and marked my credit as 'Excellent ''. XXXX credit score is not available without a pay. 

Not long ago I opened a new credit card account with XXXX XXXX without any problem, and was given {$5000.00} credit usage easily.. 

However, Synchrony Bank still holds discrimination against me and keeps rejecting my XXXX XXXX XXXX Store credit card application now matter I have tried. Their last rejection happened just a couple weeks ago. 

I want the Synchrony give me an answer why my " Excellent '' " XXXX '' credit score still does not qualify for there bank credit account. What they need to do to have my right as a B & H store consumer. 


Thank you, Regards, XXXX XXXX
Product: Credit card

This is reference to Case number : XXXX. I sent a letter to Synchrony Bank requesting that they accept a {$500.00} payment to completely resolve this debt. I made a payment last month of {$750.00}. Over the course of 5 years, I 've made over {$3000.00} in payments on this card which thousands more than what was actually charged on the card. Synchrony Bank/Care Credit preys on the poor and offers quick solutions with unbelievably high interest that results in lenders staying in a cycle of never paying down their balance. When you 're told that you need XXXX done and you ca n't afford but there 's this card with no interest for the first 6 months, it sounds like a great idea. Had I known what I know now I would never have signed up for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as my Driver 's license and SSN. I have been disputing the information on my Credit Report that are completely unknown to me. I have been also doing some research and discovered that I may be a victim of identity theft and that the items I am disputing are the results such crime. I have also been submitting complaints through the CFPB in hopes that the Credit Bureaus would pay attention to my disputes and remove the items I am disputing. This complaint is already my 6th complaint and the letter I sent was already my 4th written appeal. Under the Fair Credit Reporting Act Section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit File. I have read enough and understand my rights, which is clearly being violated by the Credit Bureaus. I need the following items removed as soon as possible : XXXX XXXX XXXX, XXXX, C XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed XXXX {$820.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account that appears on my credit report from an entity that I do not recognize and have no record of conducting business with. I have been diligent in managing my financial obligations and, after reviewing my records, I am confident that this debt is either erroneous or fraudulent. 

Details of the Disputed Collection Account Creditor/Collection Agency Name : CREDENCE RESOURCE MANAGE Account Number : XXXX Date of Alleged Debt : XX/XX/year> Amount of Debt : {$290.00} Basis of Dispute Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to specific rights regarding the reporting of accurate and verifiable information on my credit report. In this case, I believe that this collection account is inaccurately reported for the following reasons : Lack of Validation : Under FDCPA Section 809 ( 15 U.S.C. 1692g ), a debt collector must provide sufficient validation of the debt upon request. I am unaware of this debt, and there has been no communication from the agency, nor have I received any validation of the debt. Therefore, I am requesting that this entry be removed from my credit report unless valid proof is presented.

Fair Credit Reporting Act Violations : Under FCRA Section 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports. This unknown account has caused damage to my credit score, and it is not supported by any evidence of my liability. Therefore, I am requesting an immediate investigation and removal of this entry. 

Unfair Practices : If this debt is an error or fraudulent, its reporting on my credit profile violates the FCRA, which mandates that consumer reporting agencies and creditors must report only fair and accurate information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.
Product: Credit reporting or other personal consumer reports

I have request a investigation of Fraudulent Account on my XXXX report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Product: Debt collection

XXXX XXXX XXXX has garnished my wages for something I never got a summons for. I have no idea what it is.. it is 40 % of my paycheck. I can not pay this. 

help.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX RE : Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX  Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you XXXXy be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Transunion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

Goldkey credit placed a collection on my record. They know full well it is not mine. I believe it may be my sons. My son is XXXX XXXX XXXX. I am not responsible for his debts. The collection company is trying to extort money from me or ruin my credit. How did they even get my ss number? They keep calling me on my cell phone. How can they ruin my credit like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$31000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Balance : {$5300.00}, XXXX XXXX XXXXXXXX Balance : {$6000.00}, XXXX XXXXXXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thus Company has failed to Validate thus Debt I have been sending Identity thief reports and numerous Validation letters for the last 65 days they failed to respond
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account.

3.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Equifax account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.