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

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Tx XXXX XXXX The Business Involved :XX/XX/XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : Failure to Comply with Fair Credit Reporting Act ( FCRA ) in Investigating Disputes. Violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, l have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress.XX/XX/XXXX5 XX/XX/XXXX I sent a letter disputingXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX EXPERIAN responded with lack of efforts to remove that account which brought me distress.

XX/XX/XXXXXX/XX/XXXX I sent a letter disputingXX/XX/XXXXXX/XX/XXXX EXPERIAN responded with lack of efforts to remove that account which brought me distress.

As a result of Experian 's non-compliance : * My credit score remains inaccurate, affecting my ability to get a loan as well and a House in the future.

* I have been subjected to undue stress and financial hardship.

Furthermore, I request that these collection accounts to be removed from my credit account due to noncompliance of15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I request that the account accountsXX/XX/XXXX XX/XX/XXXX Be removed within 15 to 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX 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  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 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt in fact, therefore exist ( Please remove this account before I seek litigation for defamation of character ). XXXX balance {$160.00}, XXXX XXXX XXXX balance {$100.00}, XXXX XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$700.00}, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX  XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX  XXXX  XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024, XXXX XX/XX/scrub>/2024, XXXX XXXX/XXXX/2024, XXXX XXXX XXXX/XXXX/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX  XX/XX/year>2024, XXXX XX/XX/scrub>/2024, XXXX XXXX, XXXX XX/XX/scrub>/2024 , XXXX XX/XX/scrub>/2024, XXXX XXXX/XXXX/2024 XXXX XXXX  XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024 , XXXX XXXX XX/XX/scrub>/2024, XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX  I have been contacting Experian about the inaccuracy of my personal information ( My name and address that I never lived at ) on my consumer report since XX/XX/XXXX I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website and it has still have not been deleted and I have never received and updated version of my consumer report with these deletions since my earlier disputes also please remove/delete all job information as well off my report I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed also all of the errors are highlighted in yellow in the file attached to this complaint.
Product: Debt collection

On XXXX XXXX I received a debt collection statement from National Credit Adjusters from XXXX  XXXX via XXXX, California to collect a debt from XXXX XXXX XXXX in California in which this debt was discharged by XXXX XXXX XXXX Executive Office. 

Federal Complaints was filed on debt collection of {$300.00} and it was discharged because of unlawful fees and charge. 
I never receive any official letter confirmation on deletion of debt. 

I am respectfully XXXX Lifetime and Retired. 

Why is XXXX XXXX XXXX is trying to collect {$300.00}, and {$150.00} knowing that I am XXXX.?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment entries on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report dated XX/XX/XXXX, there are two late payment entries listed for CREDITOR NAME : XXXX ACCOUNT NUMBER : XXXX in XXXX and XX/XX/year>. However, I would like to bring to your attention that these late payments are inaccurate and unjustified. 

I contacted the company directly regarding this issue and spoke with a representative named XXXX. During our conversation, XXXX confirmed that the late payment entries were made in error and were not a valid reflection of my payment history. As a result of this error, the company refunded me {$30.00} in late fees as a gesture of acknowledgment. Based on this confirmation, I am formally requesting that you remove this inaccurate late payment entry from my credit report immediately.

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

Given the confirmation of this error by the original creditor, I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

Subject : Dispute of Fraudulent XXXXXX/XX/XXXX Account and Improper Debt Collection Practices by TrueAccord Complaint : I am filing a complaint against TrueAccord for attempting to collect on a fraudulent XXXX XX/XX/XXXX account ending in XXXX. I am a victim of identity theft and have provided extensive evidence, including a police report, to XXXXXX/XX/XXXX to prove that this account does not belong to me. Despite this, XXXXXX/XX/XXXX sold the account to TrueAccord, which continues to pursue me for a debt I do not owe. 

Details of the Issue : 1. No Validation of Debt : The account in question was never validated as mine. I provided XXXXXX/XX/XXXX with a copy of my police report and took all necessary steps to dispute the debt. Despite this, the account was sold to TrueAccord, which has continued collection efforts without providing proper validation.

2. No Credit Inquiries or Reporting : This account has never appeared on my credit report, nor are there any credit inquiries from XXXXXX/XX/XXXXTrueAccord, or any related entity. This further confirms that I did not authorize or open this account. 
XXXX. Identity Theft and Fraud Precautions : I am a verified victim of identity theft and have taken precautions to protect myself, including placing a security freeze on my credit report. However, despite being informed of this and provided evidence of the fraud, TrueAccord has ignored my claims and continues to attempt to collect this fraudulent debt.

Violation of Federal Law : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to : Cease collection efforts until they validate the debt upon request from the consumer.

Provide sufficient evidence that the debt is valid and belongs to the consumer.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : Creditors and collectors must block information resulting from identity theft upon receipt of appropriate proof, such as a police report.

TrueAccords collection efforts violate these laws, as they have failed to validate the debt and are pursuing me for an account that has been proven to be fraudulent.

Impact on My Life : These continued collection efforts are causing undue stress and damage to my reputation. I have taken all necessary steps to dispute this fraudulent debt, yet TrueAccords actions are obstructing my ability to move forward.

Resolution Requested : I request that the CFPB : 1. Investigate TrueAccord and XXXX XX/XX/XXXX handling of this fraudulent account and determine if their actions comply with the FDCPA and FCRA. 
2. Require XXXXrueAccord to immediately cease all collection efforts for this account and confirm in writing that the account will no longer be pursued. 
XXXX. Ensure XXXXXX/XX/XXXXnd TrueAccord take necessary steps to prevent further improper handling of disputes from victims of identity theft. 

Thank you for your attention to this matter.
Product: Debt collection

Debt collector reached out to my father via text message and shared the amount of my debt, who the debt was owed to, as well as the settlement options. They reached out to my father without my consent and shared this information, violating my privacy, and without even confirming who they were reaching out to.
Product: Debt collection

Balance with debt collector is far more than I owe for the debt. 
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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

I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both Transunion and XXXX. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on Transunion and listed as closed accounts on XXXX. They should have never been added because the debts with the original creditors was discharged.
Product: Debt collection

From XX/XX/2001 I have been contacted several times in regards to a debt I fully acknowledge from relocation expenses. I told the debt collector XXXX I would make payments immediately and they were to consecutively deduct funds from my account in the amount of XXXX dollars each month. On a recorded lined they promised the debt would never go to collections and hit my XXXX XXXX and they would never charge an interest fee. I appreciated them for them and repeated " thank you '' several times during our conversation. I mentioned to them they do not need to contact me anymore in regards to the debt since the funds will be taken out automatically each month. I advised them I am XXXX XXXX  XXXX veteran and the only income I have is my XXXX. They knew they were not supposed to touch the XXXX income but I told them it's fine, since it is my obligation to pay them back. Since XX/XX/2001 I have been faithfully making payments to them without missing a month. Several other attempts have been made by XXXX the representative of Caine and Weiner to call me after the agreement. I live in the XXXX and I don't receive mail. I have made this clear to the company too. They continue to send letters, phone calls and now have breached the agreement and verbal contract that the debt will not hit my credit. It has recently shown on my credit account as a XXXX XXXX XXXX. They stated over a dozen times " not to worry '' it will not go on your XXXX XXXX. I have been making payments with XXXX money and I have been doing the best I can to pay off this debt. When initially I was contacted by Caine and Weiner several years ago I told them I would be willing to write a XXXX dollar check immediately if they would work with me on the amount due. They refused the XXXX and stated they wanted a payment plan. I created a payment with XXXX and they saved my card on file all these years. Again, each month the card is paying off my debt slowly. It bothers me that they would go against the agreement and damage my credit. I am considering XXXX. I don't have the funds or the resources to pay the debt in full. we agreed to XXXX dollars a month and nothing would be impacted on my credit. However, that was a breach of contract and a misleading statement. Please remove the debt from the credit as I have kept my promise to pay. Why would they go against an agreement we set and it was recorded?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 contest and to dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 

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

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXXXXXX XXXX XXXX  - Creditor Name : XXXX XXXX  - Account Number : XXXX - Date of Charge Off : XXXX - Amount : {$770.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately. 

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Product: Credit card

the Capital One Credit card was lost and reported. The person that too the information was POOR in job performance. After reporting, I have NEVER RECEIVED THE ENTIRE NEW ACCOUNT NUMBER which prohibits me from being able to pay the bill. I have repeatedly contacted Capital One about this issue and I have been spoken to with great disrespect and just XXXX  people or on the XXXX number which is where XXXX XXXX you while you are attempting to resolve not receiving a full account number. the people on the call desk can not be UNDERSTOOD. either they don't listen or their accent is SO THICK YOU CAN NOT UNDERSTAND THEM. You can not go to a Capital One branch to resolve the issue. you can to call this XXXX number.. I have written to the provided address and NEVER RECEIVED XXXX RESPONSE TO ANY LETTERS.. just have had my credit SMEARED by this XXXX XXXX XXXX no person that is in management has ever called to resolve this issue .. and the impact on my credit has been devastating. THIS SHOULD BE ILLEGAL .. Capital One has charged over the top fees .. treated me with great disrespect and surly responses and is just a HORRIBLE experience. there were no late payments or other issues before this card was lost and the XXXX account number was issued. Capital One wants to FORCE ME to use a checking account I have with them to pay the bill but that is not the account I pay bills from - my bill paying account is with another bank and I can not pay the bill eletronically without a FULL ACCOUNT NUMBER. this is over the top
Product: Debt collection

I have disputed this debt with recovery one llc on XX/XX/XXXX. I requested a validation of the debt. I never received a response. I again sent a certified letter on XX/XX/XXXX. I did not receive a response again. I contacted all 3 credit bureaus with the dispute. It was removed from my XXXX  credit report. I sent another certified restricted letter to recovery one llc for debt validation on XX/XX/XXXX. I still have not received a response.
Product: Debt collection

Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I applied a credit card from SAKS FIFTH AVENUE and I received the card on XXXX XXXX. I found it blocked and I made the phone call to unblock it on XXXX XXXX. I provided all the document required to verify my identification. Now it 's still under review and I can not get any estimated date. I can even not login my account online. I can also not cancel this card. It 's really stupid and the customer service just keeps saying they can not do anything while it 's under review.
Product: Debt collection

National credit adjuster has that I was a co signer at an apt I never stayed at. I was in Florida when my mother XXXX XXXX got that apt . So how would I have been able to sign the documents. Please need this off my car bc I never lived at the property