23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681i ( 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 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: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my credit score by XXXX points on XX/XX/XXXX it was XXXX on XX/XX/XXXX now is a XXXX. I called about it on XX/XX/XXXX, I spent about 2 hours on the phone with XXXX who with help of other Co workers told me there was definitely a technical issue with my report. He reassured me that they would fix the technical issue on my report. They have not fixed it. They have no explanation as to why it dropped XXXX points. XXXX has my score XXXX, XXXX an XXXX. I worked very hard to get my credit up to these exceptional scores. Then Experian decides in a matter of 3 weeks to drop my score from exceptional to good. This is very detrimental to me as if I need anything they are messing up my exceptional credit history. I've called twice. They had me call Fico who tells me it's an algorithm pretty much. I don't see how it's legal to drop someone's score XXXX points in a couple of weeks for no reason messing up a very important piece of someone's identity. I went and placed fraud alerts and everything on all three credit bureaus because I didn't know what was going on along with freezing my credit. They need to fix this because this effects my life greatly.
Product: Debt collection

Hello XXXX, Thanks for your mail. The {$62.00} debt I owed from Winning Smiles is not aligned with the statment I recievd from the winning smile dental group on the date I visited. Initailly, they said the system went worng so there was a partial payment for me. But after they updated my dental insurance plan, the printed out a new statement and confirmed with me that the balance for that appointment on XX/XX/XXXX is {$0.00}. And we had an agreement on the balance at that day. After that appointment, I canceled the next appointment XXXX days before the next appointment, which is not obeyed thier policy. However, they still complian about the late cancelllation, and then after that time, my statement from the first appoinment became {$62.00}, instead of {$0.00} that we first agreed on. They kept maling me the bill and calling non-stop to force to pay the statement since last XXXX. In the XXXX reviews, I saw a lot of people have same problems with them. They tried to charge customers non-sense fee. I would like to dispute the charge and also attach the proof of statement from the first-time and only-time appointment with the XXXX XXXX. 

Thank you very much for your kind consideration and help! 

Best, XXXX
Product: Student loan

My son and daughter both have private student loans with Wells Fargo. My daughter is out of the country and her mail comes to my home. I received a letter that Wells Fargo needed proof of enrollment for her loans. So we got the form from XXXX XXXX and faxed it in. I then was receiving notices in my name. So we faxed it again. I even went to my local branch twice to have them fax in the enrollment verification. 

What I didn't realize is the letters addressed to me were for my son XXXX XXXX student loan. And, he didn't get enrollment verification sent in. So in XXXX they charged off his loan of {$9400.00}. 

I don't think Wells Fargo should be allowed to process student loans. First, the letters to me the co-signer only had account numbers on them. The name of the student was not on any letters. So I was calling Wells Fargo, but I thought I was calling for XXXX XXXX loans and not XXXX XXXX. Second, they had enrollment verification of XXXX attending school through XXXX of 2019. There should have been a 6-month grace period. His first payment would have been due in XXXX. Instead they charged off the entire loan in XXXX. Third, My children have other student loans. None of those student loan processors needed enrollment verification. They were able to check from the college reporting that my children were still in school. 

I would like my son 's student loan to be brought to a forbearance status since he was enrolled in college through XX/XX/2019. I want him to have a 6-month grace period to begin paying back the loan. I want Wells Fargo investigated because I bet they did this to all of their student loan recipients. I don't believe they should be allowed to process student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX.

I made a XXXX   payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period.

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report.

today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late.

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received the attached dispute results from Experian and decided to exercise my consumer rights under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) requesting the method of verification. 

Experian has yet to provide the method of verification used to determine the accuracies of the attached accounts they deemed verified and that any automated response or e-Oscar verification is unacceptable. 

I requested that 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account.

3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Experian has still not provided this information and it is now well over 15 days. They are now in violation of FCRA. 

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian has yet to do so, only providing me a generic letter via email, that is also attached, with none of the above requested information that has to be provided according toFCRA, section 611 ( a ) ( 6 ) and ( 7 ). 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Validation of Debt Request for Account XXXX XXXX Dear Sir/Madam : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe.

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt.

Original purchase agreement or contract from original owner of this debt ; Arbitration agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information.

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

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

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX ( acct # XXXX ) for an inaccuracy ( date last paid is incorrect on the 3 reports... XX/XX/XXXX on Experian ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ). I di not receive a response, no deletions. The FCRA states all data on reports must be 100 % accurate.

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX  ( acct # XXXX ) for inaccuracies ( late payments state ok for XX/XX/XXXX on XXXX, 120 days late for XX/XX/XXXX ; 30 days late on XXXX for XX/XX/XXXX XXXX Charged off for XX/XX/XXXX in XXXX. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please delete this account for inaccuracy because the date last paid report as XX/XX/XXXX on Experian, XX/XX/XXXX on XXXX, and XXXX on XXXX. Please see exhibit : A ( attached ). 

Please send me a new credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX Exhibit : A
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate. ( XXXX and XXXX )
Product: Checking or savings account

I am writing to express my concern regarding changes made to my XXXX high-yield savings account. I recently noticed that the original account I opened, which offered a high interest rate, was switched to a different account with lower rates. 

I feel this change was made without proper notice, and I believe I was deceived and cheated out of the benefits initially promised. I request a thorough review of this matter and an explanation for why these changes were made without my consent or knowledge.
Product: Debt collection

I XXXX XXXX disputed national credit systems account number XXXX on XX/XX/year> due to my identity being compromised. XXXX completed there investigation on XX/XX/year>. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did transunion interveiw regarding this account? How did you come to this determination? I would like a copy of the original contract using my signature that I actual signed for this debt. I would also like a copy of my payment history that Ive done with them as well as the name and the address of the creditor. I need proof that I owned it sign this debt. ( 15 U.S.C 1681i ).
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and discovered that there were a plethora of inquires that I have no knowledge of. I haven't given any consent for these companies to run my credit. Some of these show up multiple times either in the same month of a few months apart which is something I would not do!! Please have these removed ASAP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I received an auto generated email with this company in regards to opening or attempting to open up an account with Citibank. I received an email saying that it was processing - Im not sure if its going to get denied or approved bc the email I didnt request told me it was processing the application. Additionally I have identity protection on my credit bureaus so this shouldnt have run at all. Without someone calling me. 
If this hard inquiry doesnt get reversed then I will continue with an attorney in my company. I already have a card OF yours I dont need a new one and my ex has been pulling a lot of nonsense on his end.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had flooring installed with XXXX, and I agreed to finance the flooring through Wells Fargo since they were advertising a " 24 Month No Interest '' promotion. Everything was good until 12 months after the flooring was installed, when I was suddenly charged interest on the full purchase amount of the flooring, over {$1000.00}. Needless to say I was surprised to see this charge. 

I contacted Wells Fargo about this immediately, and they said that it was actually a 12 month promotion and that I was mistaken, BUT they would waive roughly {$400.00} of the interest ( 15 % of it ) on the condition that I paid the entire balance on the phone immediately. They would not let me think about the offer and call back- it had to be right then and there, or no deal. I reluctantly agreed to do this, and submitted a payment for the entire balance of the account just to handle it and move on. 

After a handful of weeks I realized Wells Fargo had not taken funds for the balance of the account that I paid off, so I contacted them immediately. I confirmed with them that the payment information was accurate, and I had ample funds to pay for it, but they did not process the payment. The representative informed me that it was my fault that the charge didn't go through ( it wasn't ), and because I hadn't noticed within 72 hours, they were not going to honor the original agreement and I was going to be charged the full amount of interest. 

All of this feels like extortion - I don't think I should have to pay the interest at all since it should be a 24 month interest-free contract, not 12, and I've never missed or been late for an appointment at all. Even then, I still acted in good faith and tried to pay the account off in full, but the representative made a mistake, blamed it on me, and refused to honor the agreement we had the first time I called. This is all super frustrating and I've never been treated worse by a company.
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, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


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 1681i ( 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: Credit reporting or other personal consumer reports

Inquiry is a result of Identity theft/ Fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that several accounts listed on my credit report are fraudulent and do not belong to me. As a result, I am requesting the immediate deletion and blocking of these accounts and inquiries under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the fraudulent accounts and inquiries that I request be removed : Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXXXXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$410.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7100.00}
Product: Debt collection

I RECENTLI REVIEW A COPY OFMY CREDIT REPORT AND IHAD FRAUDULERT ACCOUNTS ON MY REPORT, PLEAS REMOVE THESE FROM MY REPORT, THEY ARE HURTING MY ABLLITY TO OBTAIN CREDIT THANK YOU