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

XX/XX/XXXX - Letter sent requesting full validation in accordance with 12 CFR 1006.34c of debt including Full name and address of the current creditor Full name and address of original creditor Full account number of file for alleged debt Full name and address of alleged debtor Terms of assignment for the above referenced account. Please provide copies of the original documentation. 
Written confirmation of any insurance claims made by any creditor or assignee regarding this account ( or denial of the same ). 
Written confirmation of any tax deduction or other tax relief in conjunction with the alleged balance on this account. 
Copies of any signed documentation indicating my financial responsibility for the account listed above. Letter return by USPS undeliverable to address provided by Zions Debt on Credit Report. XX/XX/XXXX - XXXX XXXX sent to Zions Debt Holdings requesting validation of debt using address provided on XXXX and XXXX credit reports. Letter AGAIN returned by USPS as Undeliverable. XX/XX/XXXX Letter sent to Zions Debt Holding notification violation of 15 US Code SS 1006.30a by effectively parking a debt on my report without contacting me. To date, including the previous response provided via CFPB, Zions Debt Holding " continues to maliciously '' violate numerous sections of the US Code, FCRA, and FDCPA. Simply stating that a debt has been purchased without any proof is not validation of that debt nor proof of financial liability
Product: Credit card or prepaid card

I am requesting a courtesy adjustment to my credit reports ( XXXX, XXXX, XXXX ) for the 30 day and 60 day late reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) My mother XXXX in XX/XX/XXXX. She was on XXXX and social security, so when she XXXX, I, being her only child and closest living relative, took-on 100 % of the funeral, burial and administrative costs. This caused me to fall behind on my credit card payments with XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and explained my hardship. In fact, when I signed-on to the payment portal a red banner came across the screen ; here is a copy/paste : " Alert 1 of 3 : If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX ( TDD/TTY : XXXX ) for more information. Alert 2 of 3 : Your Account is past due. Make a payment now. Alert 3 of 3 : Please confirm your contact information. Confirm Now '' I called XXXX customer service in good faith, explained my hardship, and the call was elevated to the collections department, where I explained my hardship yet again. I expected, at the very least, a TEMPORARY courtesy modification of ANY sort, just so that it would be easier to catch-up on payments. This was not offered. All I was told was ( 1 ) how much I owed, and ( 2 ) whether I could set-up an electronic payment with the agent on the phone. In short, the agent did not help. I was reported to the credit bureaus as 30 and 60 days late. This is truly heartbreaking, especially when I reached-out for help -- the banner said " call us, we may be able to help. '' I had perfect credit and perfect payment history with XXXX until this episode. If they pull my credit reports, you will see that I have 100 % on-time payments with ALL my creditors over the last 6 years, including all of my XXXX cards. I have no collections, no judgments, nothing. I had a clean history until my mom 's XXXX. 
I want to pay my bills. I take pride in paying my bills on-time, and I work hard to keep a clean credit report. 

As of XX/XX/XXXX, I have been getting caught-up and expect to be 100 % caught-up by XX/XX/XXXX. 

I am respectfully requesting that XXXX extend this ONE-TIME courtesy to me : removing the 30 days and 60 days late payments on all three credit bureaus. I would greatly appreciate it. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Immediately update all payments to on time. 

INQUIRY - XX/XX/2022 -. 

INQUIRY - XX/XX/2022 -. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2022 -. 

INQUIRY - XX/XX/2022 -. 

INQUIRY - XX/XX/2022 -. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Product: Student loan

For the past ten years, I've made the biggest mistake of ever attending XXXX   due to a suggestion of going there to finish my XXXX  and get an XXXX XXXX degree. I attended one semester, and realized that the school wasn't true to it's mission when I was forced to take out student loan after student loan, while taking classes that had nothing to do with what I wanted to major.

I left XXXX  one semester after, and transferred to a XXXX  college. XXXX had other plans to damage me unfortunately. I couldn't get any credits transferred to a XXXX XXXX college I went to, so I started from the beginning. No sweat, only one semester of work but still was some good core classes. The loan providers of XXXX wanted to start taking money out of me, threatening me with all sorts of actions. This forced me to take a break from school to work and make some money to repay that.

The final coffin was transferring to a four year, because after I submit my application, I was left in limbo with no words or anything. Was told to re-apply a year later, a ton of fake excuses, and all this while still XXXX 's many loans wanted to linger and damage me even more.

HESC ( where my loan currently is ) has tried plenty of times to garnish my wages, to have me pay MUCH more than what I can even currently budget for. Refuses to ever work with me, and pretty much has destroyed every aspect of my life credit/money wise.

All this while I just heard that XXXX closed it's doors, yet I'm stuck paying so much money cause the school claims I was there for a full year which is a huge lie.

I really don't know what to expect from this, I've pretty much given up. But it still leaves a huge bad taste in my mouth knowing I never had a traditionally college experience due to my mis-education while trying to receive an education.
Product: Credit reporting or other personal consumer reports

30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius global and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then global had scammed me and made 3 complaints which lowered my credit score. All in all experience and global radius don't show accurate depictions of my financial life
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Today I just called Capital One and asked them to delete the online account Id set up with them on their App. The representative told me you can never delete an online account at Capital One once youve set it up. Is that true? Is that the law? 

That sounded very strange, particularly in this era of digital theft and insecurity, that Capital One has the right to maintain your account information even when you request severance of all business ties with them? 

Thank you for reviewing my complaint.
Product: Mortgage

I am in the process of refinancing my existing mortgage to drop the PMI Insurance, with the same bank, Wells Fargo, that is holding the current mortgage. I am not changing the terms of the loan or cashing out. I 've owned the home for 3 years and have done a lot of work, it was bank owned by Wells Fargo, when purchased for XXXX and in non livable condition. When I locked in at a rate to refinance I was asked what I thought the house was currently worth. I told the lender of comps that had sold between XXXX in the past 6 months, these homes were smaller in size and my lot was XXXX the size, I also am directly on a pond with water views. Well the appraisal that I paid for came in at XXXX, which seemed odd to me but that 's not what rattled my cage. My lender then told me that the terms of my refinance were going to have to change because my house did n't appraise out to at least XXXX. I am baffled at this. My house has about XXXX in equity which is about 56 % increase. I was only looking for 20 % to drop the PMI and now I 'm being told that my rate will be higher to do this. I 'm very angry because I had other banks who offered to push this through and would hold to my current rate which is XXXX. I stayed with Wells Fargo because I thought it would be easier and I could keep the loan with them. They were the bank who originally owned the house when I purchased it. I was not informed that if my appraisal did n't come out at XXXX my loan terms would change??? I was locked in and was told I just needed to show a certain debt to income ratio and have the appraisal come out over 20 % to drop the PMI.
Product: Credit card

This concerns a complaint i filed with my credit card company ( USAA/VISA ) with regard to repairs I paid for with my USAA/Visa credit card. My USAA member number is XXXX and the Visa card I used to pay with ends in # XXXX. Last XX/XX/XXXX I took my car to XXXX XXXX XXXX XXXX to have a knock noise diagnosed. I was told I needed a new engine. I paid a total of {$1700.00} to have my XXXX XXXX fixed ( New 'used ' engine, etc ). Before the job was completed I discovered I was being overcharged by some {$260.00} by XXXX XXXX XXXX XXXX and promptly filed a complaint with USAA. That amount was deducted from the {$1700.00} and left me with a balance of {$1400.00}. This all transpired while the car was still in the repair shop. I picked the car up and noticed a knocking/ banging noise and since I had no intention of taking the car back to XXXX XXXX XXXX XXXX because of overcharging I took the car to a local dealership where I lease my XXXX from. This was done in XX/XX/2017 and I was notified that the car had serious problems and that the 'used ' engine installed by XXXX XXXX XXXX XXXX was installed with faulty engine mounts and leaking transmission lines. The Service manager told me I could have been injured or worse if the engine mount had broken completely. I directed the XXXX service dealer to FIX the problems. I again contacted USAA/VISA and filed a second complaint demanding I be reimbursed the {$1400.00} because of poor/shoddy workmanship which could have caused me and my family serious injury or worse and quite possibly involving another vehicle. USAA advised they were investigating the complaint and as requested I provided USAA with all relevant invoices and information regarding the poor workmanship and additional monies I had to pay to have the mistakes corrected to make my car safe. On or about XX/XX/2017 I contacted USAA to find out if a decision was made regarding my complaint regarding the remaining charges of {$1400.00} and I was informed by a USAA representative by the name of XXXX that USAA ruled in my favor and I was not responsible for the {$1400.00}. I ask for a confirmation email and /or letter however XXXX the USAA rep advised everything was notated and I would receive something by mail in the near future confirming what he ( XXXX ) told me. Yesterday XX/XX/2017 to my utter dismay I was making a payment via my USAA checking account and noticed the VISA credit card balance had increased by {$1400.00}, ( the amount disputed and was told it was ruled in my favor ). I was not contacted by anyone from USAA either by phone Email or text advising of this decision on behalf of USAA/VISA which is a direct contradiction to what I was told on XX/XX/2017 by USAA representative XXXX. I was lied to, misled and ignored by USAA and it 's representatives resulting in causing me XXXX. I would appreciate CFPB look into this matter please. The phone number to USAA is XXXX or XXXX XXXX. I can be contacted at XXXX 0r XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pA XXXX
Product: Student loan

I applied for an Income Driven Payment option in order to drop my monthly payment from {$250.00} a month. I submitted the proper online form and aloud them to acquire my income tax information through the IRS to go into processing. I discovered that they based my payment on only my income and household and based on their algorithm they increased my payment to {$260.00}. I am currently trying to save to get a new apartment with my girlfreind, I make {$39000.00} a year and by XXXX XXXX standards that is right on the poverty line. I find it unfair they only considered the variables that I was a single male with no dependents to base my monthly payment without even considering the double city tax I have to pay, the {$900.00} a month in rent and I have another loan under XXXX XXXX XXXX that I pay an additional {$100.00} a month on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been without a blemish for several years. I was a victim in the  XXXX   XXXX  scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my  FICO sc ore dropped  XXXX  points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and  Income  Based Payments. I have  two  mortgages that combined are much lower than todays ' average mortgage  payment. One is a p rimary residence and another for a house that was inherited . ( ren ted out and paying for itself ) Had a credit issue ab out six years a go but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( copied from affidavit )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said that I did not pay XXXX or XXXX on time. 
THey offered a corona virus relief plan where you dont have to pay for 2 months consecutively. 

THey ended up reporting these 2 months as lates. I called to make a payment to " get current '' to bring the account in good status as I did not know they had deemed me late. 
I had to re-request them to put me on this corona virus plan. THey claimed they did but I did not receive a letter once again. 

I want to keep the account in good standing. They also have the balance over charged due to identity theft where I did not make or use all those charges. 

THe true balance should be {$3800.00} approximately. I have been incurring interest on charges I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint against LexisNexis. I had a bankruptcy appearing on my credit report I disputed this with LexisNexis. They concluded their investigation and stated that they removed Chapter XXXX bankruptcy that didn't belong to me and they sent me a confirmation letter that it's been removed my record with them. I submitted that notice to all 3 bureaus and XXXX  and XXXX  honored it and removed the account. XXXX refuses to remove the Chapter XXXX bankruptcy from my credit file as they're saying that LexisNexis is confirming that the Chapter XXXX Bankruptcy is reporting accurately. Please find my attachments as proof that the bankruptcy shouldn't be reporting on my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Debt collection

XXXX XXXX XXXX  sent items to my house that were not ordered or requested by me. I have never engaged with XXXXXXXX XXXX XXXX. They have called multiple times and sent multiple collection statements for items sent. It feels like a scam and I feel harassed by them. I am asking for all communication to cease and to stop all billing/collection attempts. 

Their latest communication was from Sunrise Credit Services , Inc on XX/XX/XXXX. The account statement was addressed to XXXX with XXXX XXXX XXXX XXXX XXXX. That is not how my name is spelled. 

They provided the account # XXXX on the collection notice. The phone # on the bill is XXXX. 

I did not contact them directly since I do not trust XXXX XXXX XXXX. 
Please help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following addresses ( see below ) with Equifax ( see attached letter ) and their response as of XX/XX/XXXX explicitly articulated that all of the addresses had indeed been deleted. I retrieved my most recent credit report on XX/XX/18 and all addresses are still reflected. Equifax did not delete the addresses as they stated in writing. Therefore, I am demanding that these addresses be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Once Equifax has deleted the aforementioned addresses, I would like a full updated copy of my credit report mailed to my address.