23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried for several years to challenge a letter that XXXX XXXX XXXX has been sending for many years, claiming they I owe money to " Synchrony Bank XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
XXXX XXXX refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent XXXX XXXX form, telling me that the bill is past the statute to limitations.
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquires on my credit reports. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXXXXXX XXXX Account number XXXX
Product: Debt collection

I have no idea what this debt is my wife recieve a call and days later I got a letter but have no idea what my debt is
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Accounts Request for Investigation and Removal Dear Equifax, I am disputing the reporting of the following accounts on my credit report as they are either inaccurate, unverifiable, or improperly validated : Accounts in Dispute 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  Per 15 U.S. Code 1635, I am entitled to dispute credit obligations that are inaccurate. Additionally, under 15 U.S. Code 1692g, creditors must validate debts upon dispute. These accounts have not been properly validated, and I request their removal from my credit report. 

Please initiate an investigation into these accounts and remove them if they are not verifiable. 

Supporting Documents I am including the following documents to assist your investigation : A copy of my identification Proof of current address Please comply with the Fair Credit Reporting Act ( FCRA ) and respond to my dispute within 30 days. 

Thank you for your time and attention to this matter. 

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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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, credit repair services, or other personal consumer reports

Name : Midland credit management Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : XXXX XXXX XXXX Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) XXXX : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is trying to come after me over a sprint account that I have not had in over 8 years which is well beyond statue of limitations. They are reporting the debt as new and not providing any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX I am have having issue when the creditor that attempt to pull my credit my name is XXXX XXXX every time my credit info is pull is coming up as XXXX XXXX I have send information to have this name deleted on my profile This is creating lots of problem every time I call to fixed it I keep getting the round around this as cause pain of suffering I need this to be fix as soon as possible Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EXPERIAN concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite providing supporting documentation that substantiated my claim, EXPERIAN responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of XXXX XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EXPERIAN may constitute a form of XXXX, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, XXXX XXXX. XXXX. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with EXPERIAN through XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

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, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX  funding # XXXX. XXXX XXXX XXXX  # XXXX or # XXXX,. Ad astra recovery services # XXXX has violated my rights. 




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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I started noticing fraud activity on my Apple Card when I returned from a video game convention in XXXXXXXX XXXX on XX/XX/XXXX. I used this card exclusively during the event and I believe a skimmer was used at some point. When I looked back through my statements I noticed older charges I didn't recognize and I believed my Apple XXXX was compromised so I signed out of all of my Apple devices, reset my Apple XXXX password, and engaged Apple Support. I engaged them via chat in the Messages app and I was given a new virtual card number, rather than closing the card altogether and closing the account then and there. I had 23 disputes open with Apple for fraud charges, most of which I received back as credit, but there are 3 remaining items on my account that Apple will not forgive as they were charges made for Apple devices that show on their end as purchases made and delivered to me when that was never the case. I tried to explain to them the ongoing identity theft case ( included FTC and police reports ) but they will not budge. They now expect me to pay off fraud purchases when I already have upwards of XXXX in other fraud being addressed elsewhere. I then received an email on XX/XX/XXXX that my Apple Card was closing due to " failure to comply with the customer terms agreement. '' I had no idea what this meant and called their main support line and spoke with a supervisor named XXXX- but he couldn't provide any further information other than the same email I received. I have been fighting this identity case for nearly 3 years now and Apple Support and their dispute process has only added more stress and emotional strain on my life. I know they had a lawsuit back in XXXX for shady tactics regarding their dispute process so maybe I'm just one of the unlucky souls who they treated unfairly. All I know is that I've given them every piece of information possible and it's never good enough. Every time I either started a chat or called their customer service, I'd get routed to 4 or 5 other people because they don't understand or simply don't care. At the end of the day, they need to face consequences for this.
Product: Debt collection

Two days ago ( XX/XX/XXXX ), I got a letter from TSI ( a debt collection agency ). They said I owed a total of {$150.00} from three incidents. XXXX XXXX XXXX is the creditor supposing these transactions. I believe this is from the SAME incident which occurred last year between XX/XX/XXXX to XXXX at a XXXX in XXXX, AL. I have NO idea how they happened or what MEANS they were able to use my identity to perpetrate these crimes. I have already filed a report with the FTC during the month of XXXX of XXXX. At that time, XXXX XXXX XXXX was attempting to recover this false debt. I did file a forgery/identity theft declaration with them, via fax on XX/XX/XXXX. I did NOT provide them with my ss # or driver 's license, because 1 ) I did not feel comfortable doing that over the phone and felt it may have been phishing, 2 there was no proof that either were involved and 2 ) the person I spoke to on the phone would not disclose any additional information about HOW the identity theft was perpetrated. I do NOT live in XXXX  and I have not been there in nearly 10 years. I then notified the XXXX Police Department of the incident in an attempt to resolve the matter. I got an email from a XXXX XXXX XXXX ( XXXX ) assigning me a case number ( XXXX ). I had not heard anything more from either XXXX or the XXXX  PD until XX/XX/XXXX. XXXX XXXX XXXX sent me an email to let me know he would no longer be handling my case and gave me a number to call ( XXXX ) to find out who would not be handling my case. I tried several times over the next few months, but I never got a reply from them. I had not thought much about it until two days ago when I got the above-mentioned letter from TSI, attempting to, again ( I believe ), collect this debt. Today ( XX/XX/XXXX ) I called XXXX to verify that I had NO debt collections appearing on my credit report. The AFFIRMED that I did NOT have any collections showing. I have been paying for a credit monitoring service from them, which allows me to see reports from ALL credit services. I talked to their XXXX XXXX XXXX office, and they CONFIRMED that there are NO collections showing on my credit reports, but he did advise me to call the other two services ( XXXX and XXXX ) to verify WITH THEM that no collections are appearing on my credit report with them as well. I do plan on doing this later today. I have placed a new fraud alert on my credit report ( since the previous one expired ). Finally, as recommended by the representative with XXXX XXXX XXXXXXXX XXXX XXXX department, I went on the XXXX web site to get a copy of my credit report. I didn't find ANY new accounts opened or anything suspect. The representative said that the letters I have been receiving COULD be phishing, but I just don't know since it seems that, although no collections are showing and have NEVER shown on any of my credit reports, why did I get the letters from XXXX last year, and why NOW am I getting another one for the same amounts THIS year? Please help me resolve this for once.
Product: Credit reporting or other personal consumer reports

I am seeing accounts that has been paid for reporting on my credit report. Some accounts are coming up as verified when I didnt open the account in my name. I attached below my report also my dispute file.
Product: Mortgage

On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ; within the complaint I questioned inconsistencies that involve my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage. On XX/XX/XXXX, the Consumer Financial Protection Bureau forwarded me a " response '' to my complaint ; this response is submitted by the Executive Office of XXXX XXXX XXXX. Attached to XXXX XXXX XXXX XXXX XX/XX/XXXX response ( as evidence ) is a copy of a XXXX XXXX XXXX, XXXX. promissory note ; this promissory note supposedly correlates with my XX/XX/XXXX XXXX XXXX XXXX, XXXX. mortgage ; the promissory note is not endorsed ( annexed as EXHIBIT A ). 

On XX/XX/XXXX, XXXX XXXX XXXX filed a foreclosure action ( XXXX/XXXX  ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure was subsequently dismissed on XX/XX/XXXX ( in my/Defendant 's favor ). Then, on XX/XX/XXXX, XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  filed a foreclosure action ( XXXX ) against me in the Supreme Court of the State of XXXX XXXX of New York ; this foreclosure is currently ongoing. The promissory note presented as evidence in the XXXX XXXX XXXX, XXXX. As Trustee for XXXX Master Participation Trust  foreclosure is endorsed in blank, signed by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B ) In the matter of XXXX XXXX XXXX, XXXX v. XXXX XXXX, case No : XXXX CA ( 11 ), XXXX XXXX Circuit Court, XXXX XXXX was deposed on XX/XX/XXXX ( annexed as EXHIBIT C ). According to the XX/XX/XXXX XXXX XXXX Deposition, XXXX XXXX testified under oath that she ( a. ) left [ was laid off from ] the Secondary Delivery Operations Department in XX/XX/XXXX ( p 52 ) when the department in XXXX closed and moved to XXXX, XXXX XXXX, ( b. ) No secondary delivery operations were going on in XXXX by the end of XXXX. ( p 64 ). 

Per the XXXX XXXX Deposition : after XX/XX/XXXX XXXX XXXX was no longer a Vice President of either XXXX XXXX XXXX or XXXX   XXXX XXXX, XXXX. As such, how can the promissory note, which XXXX XXXX  XXXX, XXXX. As Trustee for XXXX Master Participation Trust has presented as evidence for the foreclosure action ( XXXX/XXXX ), be legally endorsed in blank by XXXX XXXX as Vice President of XXXX XXXX XXXX, XXXX. ( annexed as EXHIBIT B )? Please explain this fraud.
Product: Credit card or prepaid card

On XX/XX/2019 I applied online for the CitiBusiness Aadvantage Platinum Select Card and was not immediately approved/denied. On XX/XX/2019 I called their decision line XXXX XXXX XXXX and was told my application was pending until I provided additional information to verify my business and my business address. I told the representative that I was just starting my business and I would not have the information they were requesting from me. I told the representative that I was a long time Citi customer and did not understand why I was being asked for additional information especially when no where on the online application I was informed that I would need to provide any other information. I also asked if I could be considered for the consumer version of the Aadvantage Platinum Select card instead without having to run my credit again. The representative advised that was not an option and I would need to apply for that card and my credit would be run again.
Product: Checking or savings account

Hello CFPB team, I opened my Citi bank account ( account number : XXXX ) in branch using the {$2000.00} special offer ( XXXX ). I met the conditions for {$500.00} tier bonus outlined below but am yet to receive the bonus. 

Account Opened in branch : XX/XX/2023 Deposited more than XXXX by XX/XX/2023 Maintained the amount till XX/XX/2023 I contacted the company about the missing bonus and they mentioned that I didnt meet one of the term attached to the bonus ( Citi Response 1 ). The term they are referring to is New-to-Citibank customers. They refer to the fact that I tried to open an account in XX/XX/2023. I agree with them that I submitted my application to open the Citibank account ( XX/XX/2023 ). However, in response to my application I received the attached letter ( Citibank - Denial of account opening ) which clearly indicates " We have completed our review of your account application and regret that an account can not be opened for you at this time ... ''. In addition, I received the check of {$25.00} which was the initial opening deposit that I submitted with my application. 

This letter confirms that Citibank denied my account opening application in XX/XX/2023 and therefore I didnt violate the terms and conditions of the bonus in XX/XX/2023. And I confirmed that with the Citibank branch representative. Before opening the account at the branch, I actually asked the Citibank representative who opened the account : would my previous application of XX/XX/2023 make me ineligible? They suggested that the attached response letter from Citibank suggests that Citibank was not able to open the account so I should be safe with terms and conditions. This was confirmed by the colleague ( another Citibank employee in the branch ) who assisted the employee opening the account.

I contacted CitiBank again citing 1 ) their own letter and 2 ) confirmation by their own employee that I met the terms and conditions of the bonus. However, to this request, their only response was that their decision remains unchanged ( attached letter Citi Response 2 ).

I would like Citibank to kindly review my case and post the promised bonus to my account as per the terms and conditions Kind Regards,
Product: Payday loan, title loan, or personal loan

Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.
Product: Debt collection

Summary of the Incident : I am submitting this complaint regarding a fraudulent debt reported by AXCSSFN/CNGO ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

Details of the Violation : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the FCRA, I am entitled to receive written notification of any adverse information reported on my credit report, including details about the alleged debt. AXCSSFN/CNGO failed to provide me with this notice, depriving me of the opportunity to dispute the debt.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no information related to identity theft or fraudulent activity may be reported on my credit report without my consent. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my consumer rights under the FCRA.

3. Failure to Cease Communication ( FDCPA Reference ) : Although AXCSSFN/CNGO is a creditor, I have formally requested that they cease any communication regarding this fraudulent debt. I request that no further communication about this matter be initiated, as it pertains to a fraudulent account.