23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Willful Non-Compliance Under 15 U.S.C. 1681 Dear CFPB, I am writing to formally submit a complaint against XXXX for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. This complaint concerns their handling of my XXXX XXXX XXXX account disputes, which I have raised multiple times. 

Despite my repeated requests for investigation and correction, Experian 's responses have been inadequate and dismissive. Experian credit report. This assertion is troubling, as the XXXX XXXX XXXX account is a critical part of my credit history and should be accurately reflected in my report. 

Under 15 U.S.C. 1681n, civil liability is established for willful non-compliance with consumer credit reporting requirements. This law states that any entity that willfully fails to comply with these requirements can be held liable to the affected consumer. The liable party may be required to pay the consumer actual damages or a statutory minimum of {$100.00} to {$1000.00}. Given Experians repeated failures to address my disputes appropriately, they are in violation of this statute. 

Furthermore, Experian, which has faced scrutiny for failing to conduct proper investigations into credit reporting errors. As noted in recent CFPB actions against these agencies, there is a clear obligation for credit reporting agencies to ensure the accuracy and completeness of the information they provide under 15 U.S.C. 1681. 

Experian 's refusal to acknowledge and report the XXXX XXXX XXXX account accurately not only affects my creditworthiness but also jeopardizes my access to essential services such as credit, employment, and housing. Their actions appear to mirror the improper practices identified in the CFPBs recent investigations into XXXX and Experian, raising concerns about systemic issues within the credit reporting industry. 

I respectfully request that the CFPB take action against Experian for their failure to comply with federal regulations under 15 U.S.C. 1681, as well as for their inadequate responses to my disputes. It is crucial that all credit reporting agencies uphold their responsibilities to consumers and provide accurate information. 

Thank you for your attention to this matter. I look forward to your response and any actions you may take regarding my complaint. 

Sincerely, CFPB, The Fair Credit Reporting Act ( FCRA ) allows consumers to sue credit reporting agencies ( CRAs ) for statutory damages of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX we didn't get it XXXX doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Debt collection

This company began sending collection notices regarding a XXXX bill in mid 2015. I immediately contacted XXXX to find out what was going on. They had no record of my having any outstanding balance, and in fact all my payments were auto-draw from my credit card account, which I still have in spite of my moving from Alabama in 2015. It would be unlikely that they would have missed their opportunity to draw, even if there was some amount owing. I informed the company, Credit Management LP in XXXX, TX, and heard no more until this last spring, where they repeated the demand. I responded in writing this time, and told them that they had to prove it, and to echo their demands of 30 day compliance, I gave them 30 days to respond. Today I received another demand. No explanations, just another demand. I do n't know what sort of powers they have to affect my credit rating, but should that happen, I will be forced to contact an attorney. In summation, this is a demand of which I am not familiar, of which XXXX seems to know nothing, and to which the Credit Management company does not respond as their own letter proscribes that they will and must. Can you be of some help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a felony record on my criminal history that is false. I have never been convicted of a felony. I wasn't even a resident of the state at the time. Sterling solutions ran the background check.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 XXXX
Product: Credit reporting

My Wife, XXXX XXXX, opened a checking account with XXXX and later applied for a credit card with them in her name only in XXXX. In XXXX of XXXX she requested that my name, XXXX XXXX be added as an authorized user to the card that was only in her name. Apparently USAA decided to add me as a joint account user on the account which I never gave permission to. This business was conducted over the phone and I expressly informed the representative on the phone that I was in no way to be responsible for her credit card account. I never received any correspondence regarding to the account nor did I receive any account statements regarding the account. I only found out that my name was associated with the account when I requested my Credit report in XXXX time frame of XXXX. XXXX, my wife filed for Bankrupt status In XXXX of XXXX after which I called numerous times to XXXX to try to resolve the situation and they basically ignored me and told me that my wife had added me as a joint account holder which never happened. I surmise that after her Bankrupt filing that they took it upon themselves to try and collect her debt form me. My wife has no Power of Attorney from me and I never signed anything or agreed by phone to be responsible for this credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One says I missed 4 payments in a row I'm telling them my credit report I only missed two payments. XXXX I sent a payment it shows on my other capital one card. 
If you look at the Chart I uploaded of my credit profile. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late. XXXX is 60 days which would have been 90 days late, and XXXX is 90 days late which should have been 120 days late. My monthly balance is showing inaccurate balances, The date open is wrong, my high credit is reporting wrong, Credit limit XXXX  has XXXX limit??, Last reported all dates are displaying different. Date last active is off by a year. And last but not least Date of last payment have 3 different dates. This account is not reporting accurate at all please remove from my credit profile or fix the inaccurate information ( All so I would like a complete print out of my payment history I am requesting it once again and they will not send it all they do is update dispute is resolved. 
This account XXXX is totally reporting inaccurate on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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 Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX/XXXX  Account XXXX : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

They call from different numbers up to 15 times a day to my spouse and myself. When trying to see what the debt was, we were yelled at stating that we know what the debt is and dont act stupid. When I requested a letter to verify the debt and to verify who they were, they told me they wouldnt give mail me anything until I gave them my card number. They were very rude, I told them to not contact me again until I receive a letter and we both continue to get calls. 
I first talked to them in XXXX of 2018. Nothing but calls sense.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX  XXXX XXXX, Account name : XXXX  XXXX  XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2, 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 : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 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: Checking or savings account

RE : XXXX XXXX XXXX My Suntrust Account was charges a series of {$120.00} debit against my Suntrust Account. These appear to be XXXX Charges but vendor was not able to be identified. Usually these types of transaction have a way to connect with the Payee ... but in this case there were 11 transaction to XXXX XXXX XXXX totaling {$1300.00} that I disputed with Suntrust and and was not able to get reconciled. I have attached a copy of the transaction detail supporting the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This is my follow-up complaint regarding my initial complaint dated XX/XX/year>. The following accounts contain significant reporting errors and need to be investigated immediately to ensure my credit record is accurate : XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00} -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$4700.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00}
Product: Credit card

I contacted Capitol One credit card to dispute a charge for {$590.00} from Off XXXX XXXX. I told them that I had already been charged for that item on XX/XX/XXXX from XXXX XXXX XXXX and had returned the item at the store. The store gave me credit {$590.00} ( return receipt which I have and sent to them ) on XX/XX/XXXX but then charged me again on XX/XX/XXXX another {$590.00}. I contacted Off XXXX XXXX and they said that it was a mistake and they would credit me back. However I did not see the credit and that is why I contacted Capitol One. Capitol One decided they would close my account and issue me a new one ending in XXXX. 
They made an adjustment and sent me a letter saying the dispute was in my favor and took off the adjustment because they said I had 2 credits. This si incorrect because I have 2 charges from Off XXXX and only 1 Credit. I have called numerous times, taken time off work. I have calls that have lasted over 2.5 hrs with Capitol one and all they say is I have 2 Credits but never send me proof and now I owe the {$590.00} when I already returned the merchandise and have a return receipt. The XX/XX/XXXX charge should be credited to balnce off the charge, this is so frustrating and when I explain the the agnets customer service they agree and then they send me a letter stateing that my case is closed. I feel like I am in the XXXX XXXX  going around and around this is extremely terrible customer service. I need a credit and no one can help me fight this charge. Store return receipt trans XXXX done on XX/XX/year> XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit agenciesEquifax, XXXX, and XXXX their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as well as against XXXX XXXX XXXX for their fraudulent and unlawful debt reporting practices. Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/year>, I sent a demand for validation to XXXX XXXX XXXX regarding a reported debt they claimed I owe. Despite this, on XX/XX/year>, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 

Furthermore, XXXX XXXX XXXX has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is six years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. I reported these issues to the credit agency by phone yet they did not send back any updates correcting the issues. 

As a direct result of the fraudulent reporting by XXXX XXXX XXXX and the negligent oversight by Equifax, XXXX, and XXXX, I have been unjustly denied access to credit opportunities for the past three years. This includes the inability to secure financing for purchasing a XXXX XXXX XXXX XXXX causing significant XXXX XXXX and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of XXXX XXXX XXXX and the credit agencies. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections and the credit reporting agencies. 

Additionally, I request that Equifax, XXXX, and XXXX immediately update and remove all reporting efforts for XXXX XXXX XXXX and XXXX from my credit reports to rectify the inaccuracies and prevent further harm to my financial standing. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to rectify the violations committed by XXXX XXXX XXXX and hold Equifax, XXXX, and XXXX accountable for their failure to ensure the accuracy and fairness of consumer credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information 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

In accordance with the Fair Credit Reporting act XXXX Account # 's 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  account number # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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