23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS AARGON AGENCY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXXXXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to Experian and asked them to send me a copy of my XXXX mothers credit report. I told them there will be no probate of my mothers estate. On XX/XX/XXXX, Experian responded with a form letter saying that they wont send her credit report unless I send them a signed, sealed, and stamped court document stating that I am the executor of her estate. 

To state this as clearly as possible, I told Experian there will be no probate and they responded by asking me for a probate document. If this werent so absurd, it would be funny. So how do I get a copy of my mothers credit report from Experian? 

I understand and appreciate that Experian wants to keep my mothers information from falling into the hands of identity thieves. To that end, I provided Experian with a certified copy of XXXX XXXX XXXX, a copy of her will which names me as the executor, a copy of my drivers license, a copy of the first page of my Experian credit report, dated XX/XX/XXXX, and later another copy of the first page of my Experian credit report dated XX/XX/XXXX. Why isnt this sufficient to prove that I am not an identity thief? 

Both XXXX and XXXX sent me copies of my mothers credit report. I handled it exactly the same way with them as I did with Experian. I wrote them the exact same letter, included a certified copy of the death certificate and a copy of her will, a copy of my drivers license and a copy of the first page of my most recent credit report. Neither of them insisted that I go to probate court to get a court document. 

I cant be the only person who has requested a copy of a decedents credit report when there is no probate. There must be lots of people in the same situation. 

I am not going to go through the cost and expense of probate just to get a copy of my mothers credit report. That would be absurd. It appears that Experian is saying that unless I put my mothers estate through probate, there is no way they will provide me with a copy of her credit report. Is it legal for Experian to do this? 

I tried calling Experian twice ( once in XXXX and once in XXXX ) and I was unable to find any option that connected me to a human being. I have written four letters to Experian. Their four replies were pro forma, irrelevant, dismissive, meaningless, and unhelpful. In short, they have refused to honor my request.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also 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: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$400.00} I put in a application for a house and the landlord or whoever said I got approved and I got the approve email and I was told to make a {$400.00} deposit but when I made the deposit she never texted or called me back
Product: Credit card or prepaid card

Chase is forcing me to accept 2 electronic agreements before I can even view or access my credit card or mortgage account information. One agreement is 10 pages and one is 124 pages. Buried within the language is the unilateral right to change all communications, including monthly statements, to electronic rather than hardcopy form. I urgently need to access my account to review recent transactions and make an online payment and I am being held hostage by 124 pages of legalese that I refuse to blindly accept. Who knows what else is buried in there. This is disgraceful corporate bullying and needs to be stopped immediately. I feel for anybody who also uses Chase for banking services right now and is unable to access their money because of this strong-arm tactic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon notification and receipt of supporting documentation. 
The fraudulent items I am disputing include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector sent a deletion letter for accounts to be deleted at XXXX XXXX XXXX and Experian only XXXX deleted The debt XXXX and experience failed to donit
Product: Checking or savings account

I have a checking and savings account wit h USAA Federal Savings B ank bank for many years in  XXXX   XXXX , TX. They recently shifted to added security at login. Supposedly, they send a security code to an email address and then you enter the code. This is as far as I can get on a laptop. First, they send the code to an old email address no longer associated with my account ( I do n't know what is on my profile for sure, because I can not login ). By the time I get into the old email account, copy the code and enter the code, it has evidently expired because I get an " invalid code '' message. I tried it three times and no luck. The same error message appeared. So I called customer service  three  times and once spoke to a security rep supervisor. I entered my SS number, my  4-digit p in number, my member ID #, gave my bank debit card information and then they wanted more information about made-up past addresses lik e one from  twenty-five     yea rs ago ( wrong address ) when I worked for a company  XXXX   XXXX   XXXX  miles away from where I live now and ove r ten y ears ago  ( the plant no l onger exists! ) After another half hour or so, the public records proved false, so at that point I told them the public record information was not right. Despite my protest that the answers were not correct, the rep continued anyway. What more could they possibly need, well they kept on asking. I finally said enough! I want to close the account. But they would not let me, cause I have not been verified.  SSN, Member  ID,  25 random o ther passwords and personal information from an incorrect " public record ''? Please help me get my money out of this bank and close this horrible account or make them let me in to my own account.
Product: Credit card

As with other Companies Avant have refused to give me sn affordable settlement and they never did respond to my letter which was sent over 30 days ago. I also included a picture of the letter that i had faxed to Avant. When i reported being a victim of Identity Theft their phone agents falsely accused me of stealing my own identity. HOW DARE THIS COMPANY. I've tried to work with Avant over and over and i was repeatedly given the run around. Instead of Avant doing like other Companies they never replaced my card and they never changed my address or my email address as you can see in the pictures i've included. Avant did nothing to protect my account and made false accusations as well continue to report payments as Past Due to the 3 Credit Bureaus.
Product: Debt collection

On XX/XX/XXXX, I emailed to Portfolio Recovery Associates dispute website and informed them to CEASE and DESIST and to stop any communication to me because I am disputing the debt. 

Since XX/XX/XXXX I have been getting a lot of phone calls from disguise numbers and some of the phone numbers that are calling to my phone number are not working numbers or the person answering my call back did not call me. 

Today I received a collection from PRA, LLC in the mail regarding my payment options including information of a letter about the debt they sent to me around the time ( XXXX XXXX ) when PRA, LLC purchased the debt from XXXX XXXX XXXX 

As you will see in the letter ( attachment to this complaint ) from PRA, LLC. As you will see, I was not living at XXXX # # XXXX XXXX XXXX. In XXXX XXXX.No one in my family were living there. I moved out in XXXX from XXXX XXXX XXXX Never received letter or information from PRA , LLC in XX/XX/XXXX concerning this debt.

PRA, LLC violated the FDCPA collection practices then and now.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries under FCRA To Whom It May Concern, I am writing to formally dispute the following hard inquiries that appear on my credit report under the Fair Credit Reporting Act ( FCRA ). I did not authorize these inquiries, and I am requesting their immediate removal from my credit file. 

Unauthorized Hard Inquiries : 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 XXXXXX/XX/XXXX Under the FCRA , a company must have my express written consent to conduct a hard inquiry on my credit report. Since I did not authorize these inquiries, they must be removed immediately as they negatively impact my credit score. 

I request that you investigate these inquiries and provide me with a written response regarding their removal. If the inquiring companies can not provide proof of my authorization, these inquiries must be deleted. 

Please consider this letter as my formal dispute under the FCRA. I expect a response within 30 days, as required by law. If these inquiries are not removed, I will pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I appreciate your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent Deposited my money. Traveled to New York assets frozen, despite doing everything to avoid this .... Including reporting going on vacation XXXX. 

At check in of hotel, my funds were frozen and unable to get my family a room. It caused us to purchase plane tickets back home prematurely because we were stranded with no money, despite the account have ample enough money in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive noticed https : //www.equifax.com/ is offline for half the united states.

Is this because of negligence?

Are you responsible with my financial information and identity records, should you get hacked or compromised?

How can i submit address changes and disputes without the website?
Product: Student loan

I filed a CFPB complaint around XXXX weeks ago. Since then, my loan servicer Navient, has sent my account to collections. I have n't received any calls in almost 2 years from any collections or Navient in regards to this until I filed with the CFPB. I feel they are sending the account to collections now in retaliation.
Product: Credit reporting or other personal consumer reports

I am contacting you to demand the removal of the following inaccuracies from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide any company reporting with consent to share my credit card ( ID, SSN, etc ) with another entity ( this credit reporting agency ) this is a violation of 15 U.S. Code 1681s-2. This credit reporting agency is negligently and inaccurately reporting and is not complying with 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you look at the papers? Some accounts listed have wrong details like amounts and dates.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXXccount name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

TO Consumer Finance BANK OF AMERICA FEDERAL TRADE COMMISSION WISE BANK Subject : Fraudulent Activity, misrepresentation of authorized Distributorship license with XXXX XXXX and products misleading with XXXX copycats counterfeit I am writing to report fraudulent activity on my business account. I have attached documentation that outlines the following : We Attempted A Legitimate Purchase : We attempted to purchase items to be listed on our XXXX account through a legitimate vendor. 
the vendor requested XXXX XXXX XXXX the WISE app [ XXXX XXXX ] upon providing invoice we send A ach payment in XXXX amounts listed below Vendor Fraud : The vendor ; XXXX XXXX XXXX XXXX XXXX & Founder of XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX https : XXXX https : XXXX XXXX Scammers are using the same phone number as a local XXXX  location and attempting to scam knowingly and willingly used our funds to sale us, ship counterfeit XXXX  cards, which are illegal and prohibited on XXXX.and the USA False Accusation : As a result of the fraudulent products shipped by the vendor, XXXX has falsely accused us of selling counterfeit products cards. 
I am requesting an investigation into the following XXXX unauthorized charges : Amount : {$3900.00} SEND ON XXXX XXXX XXXX Type : Other Payment Description : XXXX XXXX XXXX : XXXX  ID : XXXX INVOICE 0 INDN : XXXX CO XXXX CCD Merchant Name : XXXX  MONEY TRANSFERS I kindly request that you investigate fraudulent activity. 
I have the necessary documentation to support my claim. 
Thank you for your prompt attention to this matter. 


Best Regards XXXX XXXX XXXX contact us XXXX Ph # XXXX fax # XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information. 



I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute.

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, consumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX CapitalOneXXXX XXXX These companies are reporting accounts late without my permission