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

COMPANY EXPERIAN IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. EXPERIAN IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH EXPERIAN HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH EXPERIAN HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. EXPERIAN CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY XXXX XXXX IS IN VIOLATION OF : XXXX. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, XXXX, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN EXPERIAN WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH ARE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND EXPERIAN XXXX NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY EXPERIAN WILL NOT REMOVE THIS INFORMATION. EXPERIAN CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! EXPERIAN YOU ARE BREAKING THE LAW CONTINUOUSLY. BBB HAS BEEN NOTIFIED. 

ATTACHMENTS DL.pdf ( XXXX MB ) identity theft report XXXX ( XXXX KB ) cease and desist ( XXXX ) .pdf ( XXXX KB ) identity theft report XXXX ( XXXX KB ) View full complaint
Product: Credit reporting or other personal consumer reports

This account is paid off and still reporting on my credit report
Product: Credit reporting or other personal consumer reports

COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Product: Mortgage

On XX/XX/year>, we started the refinancing application with XXXX XXXX XXXX for a rate of XXXX XXXX which was very good at that time. On XX/XX/year> we had finished e-signing all the papers and on the following days we received the disclosures and the loan estimate. On XX/XX/year>, we paid the appraisal of {$800.00} which confirmed the value of the house. The loan XXXX, XXXX XXXX, assured us that everything is moving along as planned. On XX/XX/year>, the same loan officer emailed me that our loan was denied, the reason being that he miscalculated my income when the loan was offered, so I would not have qualified for it. 

I requested a full refund of our appraisal since there was no fault or mistake on my side. Our financial landscape had not changed between the time we signed the loan estimate and the time the loan was rejected. The lender never refunded my appraisal. The lender should have never pursued the loan and make me pay for appraisal if I didn't qualify. Moreover, during the back and forth email discussion with the loan officer, I repeatedly emphasized the particularities of my financial situation and asked for confirmation multiple times that everything is acceptable. I can make the email conversation available if needed. 

I believe there might have been an illicit intention of attracting prospective homeowners into refinancing at a time when the interest rates were at historic lows, in order to extract money from the appraisals which might have been shared between the loan officer or loan company and the appraiser, without an honest intention of approving the loan. Considering my open and proactive approach in assuring the loan was ok, there is nothing I could have done to prevent this situation, therefore I believe they had set a trap using predatory lending practices which are illegal.
Product: Debt collection

Med-1 Solutions LLC has mailed my personal information to XXXXXXXX XXXX XXXXXXXX. A company I have NEVER had any affiliation with. ( See last page of attachment ) This is the second time they've done this. The first time, I contacted them and told them I've never had any affiliation with XXXXXXXX XXXX XXXXXXXX. I've never worked there, ever. I do live on the same street as their business and believe this to be a violation of the Fair Debt Collection Practices Act. Med-1 Solutions, if working for XXXX would have my address, phone number, etc and not need to use a third party in which to contact me. XXXXXXXX XXXX XXXXXXXX opened this mail and notified me of it.
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 XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX 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 XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

Starting in XXXX Navient spammed me with multiple calls a day to pressure me into consolidating with them promising it would be easier to handle my loans and that they could help put me on repayment with no fees. I finally agreed and once Navient had me they were often very short with me and gave me limited options and even told me that there was no penalty for putting loans into deferment on multiple calls they told me it was the best option and very easy. I now realize that it was not and that the loans continued gaining interest ( fact that they either omitted ). I attempted to contact Navient but my loan had already been transferred to my new loan servicer ( without my consent ). If I had been given full information I would have most likely made different decisions and my loan balance would be significantly smaller, a portion of it would have even been gone as one of the lenders went out of business. Navient was deceptive or dismissive and also predatory with the amount of times they contacted me and has made repayment difficult. I even mentioned to many reps that I was on a XXXX  leave and they continued to call and pressure me to consolidate.
Product: Checking or savings account

On XX/XX/, XXXX XXXX  and I parted ways. I walked into the XXXX, FL Branch for a new debit card. The one in my hand wouldn't allow me to make ATM deposits as of the night before, XXXX XXXX XXXX A simple request became a problem because the new debit card accepted a {$5.00} ATM deposit, but placed it in a complete different account. At that point, my helper called XXXX XXXX over for help. His title was Store Manager, tel : XXXX XXXX XXXX. 
He went to his desk, made a phone call, called me over, and closed my account. Just like that. He then gave me {$200.00} plus dollars. I kept saying, " That's not my account. '' He then said, " Are you XXXX XXXX. XXXX? '' I said, " Yes. '' Then he said, " Well, this is the only account we have under this name and that's the balance " So, I took the money handed to me and went straight to the Local Police department because this is the THIRD account that gets closed on me wrongfully. There's the XXXX issue in XXXX, XXXX XXXX issue in XXXX, now XXXXXXXX XXXX issue. My XXXX XXXX account was stolen by XXXX and XXXX. My Business Bank of America account was closed by XXXX behind my back. All the other accounts were stolen and closed by XXXX behind my back. So, I went to the XXXX Police department for XXXX XXXX discrimination. I was given case # : XXXX. Officer XXXX. 
After I left the Station, I went to Bank of America. ( See Attachment ) XXXX XXXX was my helper. She opened a Personal Checking account for me. A few days later XXXX was all up my business again causing problems with the account, duplicating debit cards. 
Today, XXXX I arrived to XXXX XXXX NV around XXXX XXXX XXXX XXXX. Terminal 3. Around XXXX XXXX I decided to log online to check my account, and my username and password would not work. It worked on the 4th try. Then, when I logged in, {$73.00} and change was missing. So, I clicked transactions detail. It reflects that the XXXX XXXX already charged my night, and I'm not even there yet. 
I've been resolving the issue via email. XXXX responded and said they did that to simply obtain their deposit. I'm convinced this is XXXX and his team players causing this problem. 
Since they caused the XXXX XXXX issue at the XXXX XXXX ( near XXXX XXXX ) XXXX, FL on XXXX XXXX XXXX  ; and then they caused the XXXX XXXX issue on XXXX XXXX XXXX XXXX, MI. Remember how that problem caused me to reduce my nights at the XXXX XXXX XXXX XXXX XXXX MI. 

Look at them now. I'm convinced it's them causing this Bank of America issue with XXXX XXXX. 

In conclusion, please put a complete STOP to XXXX switching my debit card and changing the name on it. The account is my personal checking account. It should only have one name, XXXX XXXX XXXX. And that's for account number XXXX XXXX XXXX. He really needs to STOP checking my online account information ( transaction/balance ). That's so disrespectful! Please place an end to his intrusion. 

Thank You, XXXX XXXX XXXX
Product: Debt collection

Subject : Complaint Regarding Collection Agency 's Violation of Consumer Protection Laws To Whom It May Concern : I am filing this formal complaint against Portfolio Recovery Associates , LLC for their violations of federal consumer protection laws and regulations. The following accounts are in violation of these laws : PORTFOLIO RECOV ASSOCIATES, XXXX ACCOUNT # XXXX AMOUNT : {$2800.00} The violations include, but are not limited to, the following : Failure to Provide Validation Information : \nUnder 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information when reporting a debt. To date, this has not been furnished, yet they have placed a collection on my consumer report.

Lack of Opportunity to Dispute : \nPursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I must be provided an opportunity to dispute the account before any adverse action is taken. This opportunity has been denied.

Use of False, Misleading, and Deceptive Practices : \nThe collection agency has violated my consumer rights under 15 USC 1692e by employing false, misleading, and deceptive means in their communications and reporting practices. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies : \nThe collection agency has no legal authority to furnish accounts to consumer reporting agencies without first providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additional Requests and Concerns : Request for Validation : \nI am requesting full validation of the alleged debt under 15 USC 1692g. This includes a complete itemization of the debt, evidence that I owe the alleged amount, and the original creditors name and address. 
Request for Purchase Agreement : \nI am requesting a copy of the purchase agreement or contract between your agency and the original creditor, as this is necessary to establish your legal right to collect on the alleged debt.

Proof of Licensing and Bonding : \nI am requesting proof that your agency is licensed and bonded to operate as a collection agency in my state.

Failure to address these issues and provide the requested documentation in accordance with federal laws and regulations will result in further legal action, including complaints to the Federal Trade Commission ( FTC ) and potential litigation.

I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and take immediate action to ensure this collection agency is held accountable for their unlawful actions and that these accounts are removed from my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my XXXX and TransUnion is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX XXXX  credit accounts
Product: Debt collection

I have contacted Caine & Weiner regarding this debt but I have been unsuccessful. They are unable to provide me with any information regarding where the original debt came from. The amount of the debt shows on my credit report is {$580.00}.
Product: Debt collection

Medical debt of my minor son is his father who 's guarantor of his health insurance. I never received any medical bill from dr
Product: Debt collection

On XX/XX/2022 Silverman and Theo LLP contacted me through phone and left a message. Not once but TWICE. THIS IS HARRASSMENT. I never gave them my permission or consent to contact me. 

Pursuant to 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Evidence and Proof shows I was contacted on XX/XX/2022 XXXX and a voicemail was left. I was then called and another voicemail was left XX/XX/2022 XXXX. THIS IS HARRASSMENT. THIS IS ALSO A VIOLATION of my Federal CONSUMER rights. 


Pursuant to 15 USC 1692 d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Who did Silverman and Theo get my private banking information from? Because According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

Silverman and Theo LLP has also violated my Consumer rights through the form of a letter. EVIDENCE AND PROOF SHOWS They have a included their business logo on the envelope of their letter. THIS IS A VIOLATION. 

Pursuant 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

This has caused me great XXXX   and XXXX and has increased my visits to the doctor as I am a XXXX XXXX  with XXXX. 

Also, in this letter they say that I owe a debt. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

These are clear violations of my federally protected consumer rights. 

They also failed to date the letter
Product: Vehicle loan or lease

I paid off my car loan with XXXX XXXX on XX/XX/2022 and it showing on my credit report as closed. I would like to dispute this issue. I don't have any outstanding balance.
Product: Credit reporting or other personal consumer reports

The credit age has been stating the longest credit account is XXXXXXXX XXXX XXXX When my XXXX credit account has been stating XXXX XXXX XXXX Ive asked for it to be changed years ago and it still shows the longest age of my credits, is XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my XXXX credit report : Account Name : ABSOLUTE RESOLUTIONS INV Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, XXXX failed to conduct a proper investigation. Specifically : XXXX. Sham Investigations : XXXX failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
XXXX. Failure to Provide Investigation Results : The response I received from XXXX was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
XXXX. Potential Improper Reinsertion of Inaccurate Information : I am concerned that XXXX may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : FCRA XXXX ( a ) : Failure to conduct reasonable investigations of disputed information. 
FCRA XXXX ( XXXX ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
XXXX. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If XXXX or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
XXXX. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If XXXX can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX