23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I negotiated a settlement with National Credit Adjusters for Account XXXX. XXXX NCA Acct XXXX. XXXX to have this debt paid in full and to remove the account from my credit report on XX/XX/2021. The report was never removed from my collections accounts on XXXX. Also known as a " delete for pay '' agreement.
Product: Consumer Loan

Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find letter dated XX/XX/XXXX, from XXXX XXXX for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XXXX.which they never responded, the debt was never verified.I then disputed this debt with Equifax, please find  attached letter sent by certified letter dated XX/XX/XXXX, outlining the reasons that this debt was never verfield. Please see Complaint number XXXX for XXXX.
Product: Student loan

I enrolled at the University XXXX in XXXX and finished by degree in XXXX Navient had said my loan % was going to be 1.75 % but when I started paying it back it was 2.25 %. When I called them they said I had been late on one payment and that I had to pay the higher rate. According to my records I was never late on a payment. When I contacted them again later they still were not willing to lower my percentage. I have paid on the loan for over 10 years. I had borrowed of {$30000.00} to finish my college.
Product: Mortgage

Ref  : Complaint Number   XXXX   Wells Fargo Home Mort gage provided an answer to above captioned complaint, but did not address the complaint.     My complaint invo lved Wells Fargo 's alleged fr aud in forcing me under threat of foreclosure to take an ARM with sharply increasing interest rates to replace a  XXXX   XXXX   XXXX   while a federal law suit addressing  XXXX  was in the process of being settled. The settlement terms were announced shortly after I was pressured into signing the agreement to t ake the ARM. One of the settlement terms was the exclusion of borrowers who received a subsequent mortgage. I allege that this was a deliberate act to exclude certain borrowers from the benefits of the settlement. Subsequently I received notice from the settlement administrators that I was eligible for a mortgage modification ( MAP2R ) which eliminated accrued interest and reduced the principal. I was told by the bank that I was not eligible. My home has been foreclosed and a sheriff 's sa le is imminent. The bank refused to discuss a modification of any sort except a HAMP modification for which I am ineligible.     I believe fraud is a criminal act and should involve a criminal investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint with proof concerning inaccuracies on my credit report for an account with XXXX XXXX. 
Transunion and XXXX closed the complaint stating they had updated the account accurately XXXX these complaint numbers are XXXX and XXXX ). The account still does not match between these two bureaus. 
Per USC 1681i ( 5 ) - if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 

I am submitting a copy of the payment section for XXXX XXXX account that was updated by XXXX  and XXXX. These two reports still do not match. XXXX still has the XX/XX/XXXX complaint open and it will be 30 days on tomorrow ( complaint # XXXX XXXXThis complaint also includes open complaint numbers # XXXX, XXXX, and XXXX concerning the same issue. Please have this account deleted at once. If this account is not deleted I plan to seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments. 

I urge you to investigate this matter promptly and make the necessary corrections. Thank you for your attention and timely resolution of this matter.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The Art Institutes of XXXX XXXX, California. 
The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$28000.00} have been approved for discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXXXXXX XXXX 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal right to dispute anything on my credit report that was not authorized by me. there area accounts on my credit report that does not belong to me and that is in violation of FCRA. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To Whom It May Concern, Re : False Debt Claim by Transworld Systems , Inc. 

I am writing to formally address and dispute a false claim made by Transworld Systems , Inc., alleging that I owe a debt related to a former XXXX  account. This claim is entirely inaccurate and does not reflect the true status of my financial obligations. The account in question was subject to an Early Termination Fee ( ETF ) waiver due to a FEMA-declared disaster. I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that my rights as a consumer are upheld. 

Account Information : Former XXXX Account : [ Redacted ] Contract Period : XX/XX/XXXX - XX/XX/XXXX Background : Waiver Details : An Early Termination Fee Waiver was initially granted on XX/XX/XXXX, after my residence was destroyed due to a FEMA-declared disaster. The disaster resulted in significant damage, including burst pipes and flooding, rendering the property uninhabitable. Additionally, on XX/XX/XXXX, a second ETF Waiver was granted to correct an error in XXXX XXXX records, reaffirming that no ETF should have been charged. 

Payment Record : Throughout the duration of my contract with XXXX, all bills were paid on time and in full, with no outstanding balance upon account closure. Furthermore, all required equipment was returned on time as stipulated. 

Pending Refund : Despite fulfilling all obligations under the contract, XXXX has not yet issued a refund for excess charges that were paid. I have attached the relevant correspondence and the form submitted as requested by XXXX XXXX. 

Issue with Transworld Systems , Inc. : Transworld Systems , Inc. is falsely claiming that I owe a debt related to this account. This is a clear misrepresentation of the facts, as all financial obligations were met and the account was properly closed with all terms honored. This erroneous claim has caused unnecessary harm to my credit score and has further exacerbated my financial situation. 

Requested Action : I request that the Consumer Financial Protection Bureau take immediate action to : Investigate and Remove : Ensure that Transworld Systems , Inc. removes this false claim from my credit file and ceases all attempts to collect on this nonexistent debt. 

Rectify Credit Reporting : Confirm that all credit bureaus reflect the accurate status of this account, showing that no debt is owed. 

Prevent Future Issues : Take steps to prevent Transworld Systems , Inc. from reintroducing this false claim or any similar claims in the future. 

Significant Distress : This situation has caused significant distress, from XX/XX/XXXX until today, XX/XX/XXXX, XXXXmore than six yearsand I seek your assistance in resolving this matter swiftly and justly. I have attached all necessary documentation to support my claim, including records of the ETF waivers, payment history, and communications with XXXX. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing to complain about my treatment by XXXX XXXX XXXX XXXX XXXX, Caine & Weiner, and XXXX XXXX XXXX XXXX XXXX During a routine audit, I noted escalating fees from XXXX XXXX . On further review, I found a contract dated XXXX/XXXX/XXXX that I did not authorize nor sign. XXXX, and I am the only person authorized to sign contracts. 

The person who signed the contract, and subsequent XX/XX/XXXX renewal, was a secretary who no longer works for me.This person was never authorized to sign contracts. I did not authorize this now former employee to sign any contracts with XXXX XXXX. 

Records show, while the postage meter was in use, all monthly fees were paid in full. They are not due any money. They are not the injured party. On XXXX/XXXX/XXXX, I sent a letter to a XXXX XXXX Leasing Specialist, notifying him that the lease was unauthorized, null and void, and requested an arranged return of the postage meter. Since this time, the postage meter has not been used. 

The contracts in question from XXXX XXXX specify that the person signing is " authorized to sign. '' The specified now former employee was not authorized to sign. The XXXX contract lists DBA name of Lesee with this person 's name. The name of my XXXX is XXXX XXXX , XXXX, and my company never signed any agreements with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX stops their fraudulent pursuit of these unauthorized contracts and removes their equipment from my office.
Product: Debt collection

I applied for Care Credit because my XXXX XXXX XXXX dog, XXXX had XXXX, and needed veterinary care. I called Care Credit from the vet 's office that day, and was approved for {$3000.00} immediately. I have been making auto-payments, and the total amount of my account is currently XXXX. Today, I noticed that my credit limit had been lowered to {$2200.00}, which then flagged the credit reporting agency, causing my credit score to drop by XXXX points as being over-limit on my Care Credit account. 

I just called Care Credit, spoke to XXXX, on XX/XX/2021, and she says this happened back inXX/XX/XXXX, and I was sent a letter stating that after reviewing my most recent credit scores, they decided to lower that amount. They say they sent me a letter, but I never received any notice, or letter letting me know this would happen. 

This seems a very dishonest business practice by Care Credit to approve me for {$3000.00}, then let months pass, then lower the credit limit to an amount LOWER THAN THE BALANCE! This would most certainly cause serious credit harm, which it has. 

I asked her to raise the credit limit back to what it was, and it was declined, probably because my credit score went from the XXXX 's to XXXX or so. This seems a deceptive and dishonest practice, and am hoping that someone can help me with this issue. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud due to the unauthorized use and dissemination of my identifying private information without permissible purpose. 
Please see the attached documents which include : Identity theft report Affidavit of fact Letter of dispute and demand Lists of accounts to be blocked and validated Two forms of identification Bank statement with address highlighted
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX needs to be removed from my credit report. I have no debt owed to this company or to XXXX XXXX XXXX My payments have been made in full. 

If this is not removed within 30 days, I intend to file suit.
Product: Debt collection

On XX/XX/21 received a letter requesting payment of {$230.00} and using my tax refund to pay such. 
I left a voice mail on XX/XX/21 and received a call back on XX/XX/21. I informed the gentleman that the amount claimed was wrong that I had tried at no avail to resolve the matter with the utility company. He asked what was the correct amount and I told him 1/3 or {$79.00}. 

Very clearly, despite that I cancelled my service with the utility company 10 days withing the billing period they inisted on being paid fort he full amount and I disagree to pay for services not rendered. ( I have written at least 5 letter to the utility company with no reasoble explanation as to why I have to pay more that what is due. 

The person from Sunrise Credit Service was very rude and dint beven made an attempt to ask why the amount billed was wrong. Nor did I receive any other follow-up as promised to explain why was the amount correct. 

Today I received notification from monitoring agencies that a change had occurred in my credit report/FICO Score. Upon checking I noticed that Sunrise Credit Services has reported the amount of {$230.00} as past due Industry Type Collection Agency. 
Not only my FICO score wend down from XXXX to now XXXX. 

I am very surprised that despite the fact that I informed the company that I disagreed with the amount claimed the proceeded to report the amount to the credit bureau and not attempt was made to discuss with me my reasons for such claim. 

Despite, the efforts of the CFPB, I think these companies continue to engage in Unfair, Deceptive Acts and Practices. I have been more that fair in wanting to pay but, only what is owed and I am still willing to pay but, this agency has to correct the credit report and then send a bill for the revised amount of {$79.00}.
Product: Checking or savings account

XX/XX/2020, ,Continued Issues, ,Yes I received ( 2 ) One on XX/XX/XXXX, XXXX, The Second on XX/XX/2020,, Both Of The Letters Are Pretty Much Are Saying Same Thing, Among All The Other 15 to 20 Letters I Already Received And Still Haven't Did Anything At All, This So UnAcceptable,,!!! This Company Should Have Already Taken Care Of ( ALL ) My Issues, Instead Of Lying About This And Keep Sending Me The Same Letters With No New Information, ,So UnProfessional Business
Product: Credit reporting, credit repair services, or other personal consumer reports

Certain remarks were not properly verified or confirmed negatively impacting my credit score.