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

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Product: Money transfer, virtual currency, or money service

I dont agree with their decision and documents provided by them i lost money and didnt help me they are very cold
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX To Whom This XXXX Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.
Product: Credit reporting or other personal consumer reports

I have old address that where I dont live at no more that need to be removed off my credit.
Product: Mortgage

In XX/XX/XXXX, I retained this attorney 's office for a mortgage foreclosure. My income changed and I wasn't able to make the required payments. I was told that they would represent me in this action and ask me how much I can pay monthly. I gave them a sum of {$300.00} and it has been ongoing from XX/XX/XXXX to XX/XX/XXXX. I've paid approx. {$10000.00} for attorney representation. 

Through the attorney 's office, I wasn't offered any programs to save my home. I asked for programs to save my home, none was offered to me. When I would call periodically, I was told they were handling it. Now foreclosure judgement has come, and my house was sold XX/XX/XXXX. My  attorney stated that he put in a appeal that was denied. 

I want to make a complaint on this law firm who took my money for three years, which is around {$10000.00} and provided me with no 'options ' in saving my home. I am a single parent with XXXX twins. My mother lives with me. She is also XXXX. I need my home. 

I'm asking you to investigate this case, to find out if there was any wrong doing on behalf of this law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Cfpb My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Recently, I submitted issue my credit reports. 
Thank you for that there is more error on my reports. 
Still show XXXX credit reports. 
Here is listed attached files. 


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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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.
Product: Debt collection

This is a mobile phone, I do not know that person nor affiliated with that person.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting

XXXX XXXX is reporting incorrectly, payments have been on time, the vehicle was turned in on time to the dealership.
Product: Debt collection

Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$380.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$910.00XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$87.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX
Product: Student loan

Re : Erroneously Classified Defaulted Perkin Student Loans I would like to report suspicious activity and/or an alleged scam on behalf of XXXX   College at XXXX XXXX located in XXXX XXXX Massachusetts. I am applying to graduate school and to my surprise I discovered through a FAFSA email on XX/XX/XXXX that I am ineligible for federal student aid because I have student loans in default. According to the XXXX XXXX, I have two Perkins Loans in default, as last reported on XX/XX/XXXX. Loan 1 is for the amount of {$2000.00}, disbursed on XX/XX/XXXX Loan 2 is for the amount of {$1500.00}, disbursed on XX/XX/XXXX. These loans were acquired while I attended XXXX College at XXXX XXXX at the age of XXXX.

I am questioning the practices that were employed on my behalf, when I was an underage non-traditional XXXX XXXX. I am unaware that these loans were not included in the forbearance/deferment programs my federal loans are under. To date, Ive never received any repayment communications from XXXX  College at XXXX XXXX and/or their associated loan servicers. XXXX College at XXXX XXXX Financial Aid department has had consistent staff turnover, and the Financial Aid Director has changed each school year. I have never seen or signed my financial aid paperwork in-person at the schools office or been given any copies of digitally signed documents. In addition, my financial aid package fluctuated each semester, covering a different portion of my tuition and fees, with unclear processes to continue my enrollment.

I am unable to locate these loans in order to petition the default status and make subsequent appropriate repayment arrangements. These loans servicer, according to Federal Student Aid, is XXXX College at XXXX XXXX and the listed phone number to contact is XXXX   Therefore, I contacted the XXXX College at XXXX XXXX  Financial Aid office onXX/XX/XXXX. I was referred to XXXX XXXX to resolve my problem. I followed up with the number I was provided with. I then discovered, XXXX XXXX is no longer a company and these loans were transferred to XXXX XXXX. Next, XXXX XXXX informed me that my account has been transferred to Transworld Systems Inc. According to Transworld Systems Inc, my account is inactive. I am now in jeopardy of a wrongful lawsuit or wage garnishment from a debt collector/ loan servicer to no fault of my own.
Product: Mortgage

I submitted a complaint recently in XX/XX/2019. My complaint number is XXXX,. The representative, XXXX XXXX, said he will provide me the payment history by XXXX-19 but I have not received the documents as promised nor have I received an update. 

I am not sure of the status of my initial claim or how to proceed? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

these information on my credit report does not belong to me, i have been a victim of identity theft.
Product: Checking or savings account

This is a complaint against Axos Bank. I strongly feel that I have been XXXX  and harassed, and treated unfairly by this bank. On or about XX/XX/2021 I opened my account and was constantly having issues with their Customer Service representatives who do not conduct business in ethical/respectful manner. The CSR told me he is working from home and had made fools of customers in his last Insurance job, and asking me personal questions, passed remarks which made me very uncomfortable. I requested to speak with the Supervisor. After weeks of waiting I got a random call from Axos Bank, the person named " XXXX  '' called and I told him about the interaction I had with his agent, he basically laughed and joked about it. I asked to speak with his Manager and he refused. 
On XX/XX/2021, I called Axos Bank inquiring about a check. The CSR who answered the phone seemed very agitated and angry. She said why I was calling, I asked her when is this check going to clear and be available in the Balance, She responded, I forgot to verify you even though I came verified over the automated system. After verification, she said which transaction declined from merchant. I reminded her politely that this is not the reason I was calling, but rather is about a check clearance. She immediately got very upset and start raising her voice. I requested to speak to her Sup, she refused. Call ended. 
After 5 minutes I got an email from Axos Bank that they are CLOSING MY ACCOUNT. I feel this is a retaliation and I was just been honest and transparent in letting the CSR know the reason of my call. This is such a dishonest, unethical and unprofessional way of conducting business.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes for this account and this company refuses to block this information despite all the proper documentation I have provided. They are saying that they can not view my identification even though I submitted it here through the portal and theirs several times. They also are telling me that this company is verifying the debt to belong to me but no information has been provided and they are refusing to tell me exact investigation efforts that were performed and proof. This is a formal notification of a refusal to pay and the initiation of a lawsuit for inaccurately reporting information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

US DEPT ED Is alleging I owe a debt. US DEPT ED Is actually using my promissory note as the security which is being used to trade for profits. Not reporting these transactions is securities fraud and tax invasion. As the registered owner of the security I should be entitled the proceeds but US DEPT ED has not given me a return on my investment. They are also listed on the US stock exchange with this same information listed for public reviewing.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/2011 Latest status date : XXXX XXXX, 2011 Account Info Reference Number XXXX Court US BKPT CT FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing thorough documentation and evidence to support the removal of these fraudulent items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. It is crucial that immediate action is taken to rectify this matter. I am asking for your help for comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

Furthermore, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Basically I made payments on my card to lower the balance of my credit cards on capital one. At first my quicksilver and Savor card were paid off and I used them. I paid them off after I bought many things. Did not think twice about it and on XX/XX/XXXX my payments were reversed and returned. Then they decided to restrict my account. I sent them proof of who I am. I sent everything even though I did not want to send my social security due to privacy reasons. Nothing has been gotten back to me. My payments are going through and then returned several times. I wish to use my card again and for the amount to post or well basically if it's possible to have these cards at XXXX and just close them because I will not be paying a bunch of times for it to be returned even though I was just using the card to purchase something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX OF XXXX XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} TBOM/VT XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

1. 
XXXX XXXXXXXX Date of inquiry : XX/XX/year> 2. 
XXXX XXXX Date of inquiry : XX/XX/year> 3. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$380000.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, and XXXX XXXX Balance : {$13000.00}.
Product: Debt collection

TO WHOM IT MAY CONCERN : NCB MANAGEMENT is not licensed to collect debts in XXXX Congress has made it clear that there is abudant evidence of the absuive deceptive and unfair debt collection practices by debt collectors like NCB MANAGEMENT.Thank you for providing me with this documentary evidence of federal violations in the collection of an alleged debt I will need you to provide more documentary evidence of federal violations so i can continue to add to my lawsuit against NCB MANAGEMENT SERVICES INC.for the following federal violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX