23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I first consolidated the loan after I graduated from XXXX School, I was able to afford the payments because I was still living with my parents. In XXXX XXXX, I purchased a home and decided to contact Wells Fargo to go through the income status process. My mother and her boyfriend had cosigned for the loans, and because of that Wells Fargo determined that, with our combined income, the loan payments were manageable at their current amount. It was always my intention ( and still is XXXX to make these loan payments on my own, as this is my student debt and my responsibility. In XXXX XXXX, I found out that I was pregnant. I had an extremely difficult first trimester and missed a lot of work and almost XXXX months of pay. 
In XXXX XXXX I decided to change my employer to better suit my current needs and the future needs of my child, but was already behind in all of my debt by the time I secured a new job. 
I made another call to Wells Fargo and asked if there was any way to lower my monthly payments. I told the representative that I would feel comfortable with $ XXXX {$600.00} a month - he told me that, as long as my financial status and the financial status of my cosigners had n't changed, that my loan payments could not be reduced. 
My mother spoke with Wells Fargo in XXXX XXXX and asked if there was any help they could provide. She had already reached out to a consumer credit counseling service by that time and was waiting to hear back. Again, Wells Fargo stated that there was nothing they could do to help unless our financial status had changed. They suggested a XXXX organizational call, so she contacted an agency through XXXX. She was told by the agency that they were not able to help with student loan dept ( government or private ). She had also asked Wells Fargo if partial payments would help, but they said that they needed payments in full. 
I was making full on-time payments up to the point that I became sick with my XXXX. I want to continue to make payments but need them to be affordable. My child is due on XXXX XXXX, XXXX at which time I will have additional expenses and daycare costs. At what point will Wells Fargo work with me to make my payments affordable so that I can resume payments? I have worked very hard since I was XXXX XXXX XXXX to build an excellent XXXX XXXX and am devastated at what this is doing to my score.
Product: Vehicle loan or lease

XX/XX/XXXX Tesla provided an estimated lease payment of $ XXXX. They also indicated it would likely go down to {$330.00} with probable savings that I thought would be from government tax credits. After roughly 100 interactions through online forms, texts and emails over 3 days they said the lease would be {$520.00}. Their representative XXXX said it was probably taxes. That made sense until they added taxes to the down payment which went from {$4500.00} to over {$5800.00}. I could understand the lease going up if I had bad credit but my credit score is over 830, I made over 40 lease payments to Tesla on my current vehicle all on time and 2 months prior paid them {$40000.00} cash for solar. When I asked Tesla they gave me no and said they did the lease through XXXX. Tesla was my only contact through the entire process. I am not sure when they did the bait and switch to the leasing company but they should not be able to publish estimated lease rates to unsuspecting buyers that they know are false.
Product: Debt collection

I am writing to formally notify you that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( d ) and 1692 ( cc ), regarding the debt you are attempting to collect from me. This debt, associated with XXXX XXXX XXXX XXXX and identified by account number XXXX, has been the subject of my prior communication regarding debt validation. 

I would like to bring to your attention that per IRS regulations, a charged-off debt is treated as income, and a Form 1099-C must be issued when a debt is forgiven or canceled. I have not received such documentation in association with this debt, which is a violation of my consumer rights. Furthermore, the inclusion of income due to charge-offs on a consumer 's credit report contradicts 1681 ( a ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act.

I requested a copy of the Forward FLOW AGREEMENT and the original signed contract that indicates my obligation to the original creditor XXXX XXXX XXXX XXXX. 
Also information on whether any insurance claim has been filed against this debt. ( a ) Many creditors carry insurance policies to protect against bad debts, known as " debt insurance '' or " credit insurance. '' If the creditor has such insurance, they may file a claim after a debt is deemed uncollectible. ( b ) If an insurance claim is filed, the creditor may receive compensation from the insurance provider for the portion of the debt that is lost. This generally would not affect the relationship with a secondary creditor unless there are provisions in the sale agreements that address the matter. ( c ) Understanding that the original creditor may have sold or transferred this account to your agency, I would appreciate any documentation pertaining to the transfer of ownership and the original account status. 

Proof of the chain of title that grants The Sayer Law Group , P.C . the authority to collect on this debt, including any transfers from XXXX XXXX XXXX XXXX to your agency. ( a ) The original agreement or contract establishing the debt. ( b ) Documentation of any assignments or transfers of the debt, showing when and how ownership was transferred to your agency. ( c ) Any additional records that affirm your authority to collect on this account. 

Confirmation that The Sayer Law Group , P.C . is licensed and authorized to collect debts in the state of Texas, as verified against the XXXX XXXX XXXX XXXX ( XXXX ) and proof that the debt hasnt passed the statute of limitations. 

A full detailed list of the payment history associated with the debt. 

I also want to highlight that I did not authorize the original creditor XXXX XXXX XXXX XXXX to sell my personal information or transfer my account to The Sayer Law Group , P.C . This unauthorized transfer, along with the lack of proper documentation, constitutes a violation of my consumer rights under the FDCPA, including :
Product: Debt collection

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2018. While conducting the consumer credit transaction, a finance charge was involved. According to 15 USC 1605 define a finance charge as the sum of all charges in a consumer credit transaction. In addition to 15 USC 1605, finance charge includes insurance, annual percentage rates ( interest ), and does not include cash. XXXX XXXX requested and took a {$10000.00} down payment in cash and 41 monthly payments of {$230.00} year-to-date. XXXX XXXX also did not include my annual percentage rate nor include insurance within the finance charge. Last, XXXX did not inform me nor include in the installment contract that I have the right to recession which is in violation of 15 USC 1635.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following fraudulent accounts multiple times, yet they are still illegally being reported on my consumer report. This is my final attempt before filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.
Product: Credit reporting or other personal consumer reports

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

The Studen Loans I am paying back were under XXXX. These loans go all the way back to 2007. XXXX mis led us on deferments and forebearance. Loan principal amount has hardly gone down over the past 17 years, currently at {$23000.00} As XXXX was getting banned from servicing student loans due to deceptive practices, they transferred my loans to another servicer, MOHELA. Nothing changed, principal still does not go down I believe this was a deceptibve if not illegal transfer to another student loan servicing company so XXXX could get around the court ordered ban. The Biden Administration was forgiving millions of student loans while I am still getting cheated by a 8.5 % interest student loan balance that never gets reduced. I am ready to file a lawsuit against XXXX and Mohela if I can not get any relief or resolution here. Please help me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

This company is breaking the law by failing to provide validation details as required under 15 usc1692g. Despite this theryve added a collections to my credit report.

This agency is infringing on my consumer rights by using misleading, false and despite tactics. 
Ive already tried to resolve these issues directly with the, but continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove the account immediately.
Product: Credit reporting or other personal consumer reports

I noticed a negative reporting accounts on my credit reports. XX/XX/year>, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information.

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also EXPERIAN, XXXX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days.

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also Experian XXXX and XXXX failed to mark as disputed.

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Product: Mortgage

I was pre-approved for a loan with XXXX XXXX XXXX in XX/XX/XXXX. I found a short-sale property in XXXX of XXXX, and my loan officer XXXX XXXX immediately ordered my initial disclosures and had them sent to me. I received disclosures from XXXX and Carrington Mortgage, which is their TPO broker. I asked my loan officer why was my loan locked in XXXX and she stated that all loans should be locked right away. As with most short sales, the process was drawn out due to the seller ( XXXX ) was taking their time to review the offer. Throughout the process, I received 5 LOCK EXTENSION FEES. I felt like this could have been avoided if we did not lock the loan right away. I asked my loan officer on XX/XX/XXXX if there was a different interest rate available that could offer a credit to assist me with the amount of fees that were being added to my loan and I was told no. Finally we were on track to close by XX/XX/XXXX, until I was told that my credit report expired on XX/XX/XXXX, due to an " oversight '' on the Carrington underwriter. Once my credit was re-pulled, they stated that my credit score had dipped below XXXX, so a re-score had to be completed. It took almost a week for this to come back, and our deadline to close was today XX/XX/XXXX. I was looking for a CTC on Tuesday, but didn't get it until Thursday XXXX. Today XX/XX/XXXX I did not receive a final CD until I arrived at the closing, where my closing costs had increased from approximately {$6200.00} to over {$7300.00}! At the closing table I noticed that Carrington had made a couple of huge monetary errors on my Closing Disclosure. No one bothered to fix the numbers, therefore I walked away from the closing because it had become unaffordable for me at this point. The mortgage company also violated TRID by disclosing an appraisal re-inspection fee to me 2 weeks after they were aware that it was needed. Also, a title update fee was charged on my final CD that I was not aware of and it was never disclosed to me. I was told that sometimes extra fees from the title company just needs to be added. That is not true. As someone who has been trained on TRID, I can just imagine how many customers who are not mortgage savvy has been taken advantage of by Carrington Mortgage. As a consumer I asked for my closing figures be a little more accurate so that I didn't have any cash to close surprises. My requests were ignored several times. I was told that my requests would be on the final CD. Due to this fiasco, I now have to go back to my landlord to see if I can rescind the 30 day notice that I have him. This is the worse consumer experience that I ever had to go through.No one cared how this has affected me physically and emotionally. I am a single mother of a XXXX year old daughter, and it hurts me that I have to break the news to her that I can't buy this property due to the carelessness and lack of professionalism of Carrington Mortgage.
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter stating I owed Commonwealth Financial Systems {$300.00} for a debt at XXXX XXXX which I have never heard of. I was asked to notify their office in writing if I disputed the validity of the debt within 30 days of me receiving the debt collection letter. I disputed the validity of the debt and asked for verification that this debt truly belonged to me. I asked for a break down of services provided. I also asked them to please not place anything on my credit report until the dispute was resolved. I did all of this in writing and sent the letter certified mail. Commonwealth Financial Systems received my letter on XX/XX/XXXX, well within my 30 day allotment. 

On XX/XX/XXXX I checked my credit report to find that they reported it to all XXXX bureaus which of course caused a XXXX point drop in my score. Once I noticed that they did indeed place the collection account on my credit and I still had n't received any mail validating the account I called their office. Once I reached a representative they confirmed that they did in fact receive my debt validation letter but did n't have any information to provide me about the debt owed. The only thing the representative could tell me was that he assumed it was a medical bill from XX/XX/XXXX but could n't provide anything else. I asked who to contact for an itemized bill stating services provided on that day and was told to contact XXXX XXXX XXXX. I asked for contact information for XXXX but the representative told me he could n't provide that information. 

I also explained that the certified letter I mailed them stated not to place any information on my credit report until the dispute was resolved. However, since this request was not obliged by Commonwealth Financial Systems in addition to the fact that I still have no information in regards to the debt I let the representative know that I would be filling a complaint and ended my conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax have now updated my report since XXXX of 2016 i purchased XXXX different reports with the same information with no updates on it and old score they claimed i have a large file and it been split into XXXX the items that have been deleted came back on there due to identity theft they have police report on file copy of my social and a utility bill my whole complete credit file is incorrect every time i call they delete something and they lady asking me what 's my accounts my whole file is a mess i want to file a law suit on this
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Product: Vehicle loan or lease

I am requesting proof that a check was sent in my name to XXXX XXXX, please provide me with proof that I actually owe a debt, you are reporting incorrect information on my credit reports! Please remove until investigation has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize XXXX  so can this inquiry be deleted. Im trying to buy a house
Product: Credit reporting or other personal consumer reports

I am distressed that EQUIFAX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX