23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call at XXXX XXXX  on XX/XX/XXXX from the collection department at Comenity Bank for my XXXX account. I am aware of the debt. I had not received a statement, nor the actual card for this account, which I explained to them in XXXX after they first called me. I have since received a copy of a statement and have set up a payment online. I told the person this when they called on XX/XX/XXXX. I also stated they are breaking the law contacting me at XXXX XXXX. The collector stated, well its XXXX where Im at, so are you saying you dont want to be contacted? I again said, you are breaking the law contacting me at XXXXXXXX XXXX  The person apparently thinks its okay to call before XXXX XXXX, which is not.
Product: Mortgage

M & T Bank did a forbearance with me for 6 months. when it ended, I sent in my monthly payment, for XXXX, they send it back stating in order for me to keep my house, it would cost me XXXX in order to keep me house. Otherwise, they would start foreclosure. 
I am XXXX, have been in my house for nearly 30 years, I don't want to lose my house. 

I need some help XXXX XXXX XXXX XXXX.
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 the XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$890.00} 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, 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 and crimes which antedates the report by 7 years.
Product: Credit reporting or other personal consumer reports

this company is XXXX  loan that i just had it was reporting something very absurd to me 10 months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One is advertising Complimentary XXXX XXXX Benefits for cardholders https : //www.capitalone.comXXXX XXXX  I signed up for this back in XXXX. To date Capital One has charged my credit card TWICE for the subscription and has not credited me back as stated. I have called and spoke with uninformed, untrained outsourced scriptreaders who had no idea what I was talking about. I email Capital One Executives and Exec. Customer Service TWICE now and they haven't bothered to reply. I contacted Social Media and they were useless.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. 
I am writing to inform the " Consumer Financial Protection Bureau '' that i was bribed, scammed by this account number XXXX, belong to XXXX XXXX. 
the bank name is Discover bank. 
That Discover bank is fostering a network of scamming, and had refused to return the sum of {$20000.00} that XXXX XXXX XXXX, with his accomplices scammed me. 
The scammer with his accomplices had promised me a private agent job for Actor XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have been trying to reach all 3 credit bureaus, XXXX, Equifax, and XXXX for the last 2 months. I mailed letters to them and they are not responding. I am very disappointed at their lack of response. As a father to my daughter who just started XXXX, I have been disqualified for getting approved for a XXXX loan for my daughter. These bureaus are abusing their power by retaining some dubious debt they claim I have and which the statute of limitations has run on. They show debt which is older than 10 years. 
I need our government to enforce my consumer rights and get my credit purged of all incorrect information or information which the statute of limitations has run on.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT AND CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT OR INQUIRIES. I REACHED OUT TO THE CREDIT BUREAUS INDIVUALLY BY MAIL AND PHONE REQUESTING VERIFICATION. THESE TRANSACTIONS ARE UNVERFIABLE. THIS INFORMATION BEING PLACED ON MY PROFILE ARE AFFECTING MY ABILITY TO OBTAIN CREDIT I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE FURNISHING ACCOUNTS AND INQUIRIES TO MY PROFILE RESULTING FROM IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX  ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from my Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( XXXX ) related to this identity theft : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in XXXX. His name was XXXX. I feel as if something was being done that was n't legitimate.
Product: Credit card

I have two Amex business cards. One for XXXX XXXX. One for XXXX XXXX XXXX. The XXXX XXXX XXXX is an Amex PLatinum card which had a sign up bonus of XXXX points for spending $ XXXX within 3 months of opnening. I hit the spend limit, paid the {$650.00} annual fee as was rewarded the points. 

I recentyl closed the XXXX XXXX  ( seperate entity ) and all the membership points in XXXX XXXX were XXXX XXXX out. I talked to a supervisor and they said if I close a CC within a year they can cease any points. I notified them the XXXX account is still open ( with the points ) AND the XXXX XXXX is over a year old as I have statmeents from XX/XX/year>. 

They then had no asnwer and I still have no points. They falsely advertised the sign up bonus to get people to pay the {$650.00} fee I feel
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate  notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting or other personal consumer reports

I am writing to formally attest that I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX I tried disputing these on my credit report with Experian and XXXX XXXX but they didnt come if they said it was accurate but its not these accounts were opened fraudulently in my name
Product: Mortgage

I opened up a VA mortgage with XXXX XXXX XXXX on XXXX XX/XX/2019 for {$230000.00}. I made one payment to XXXX XXXXXXXX XXXX who then sold my mortgage to Nationstar Mortgage LLC, d/b/a Mr. Cooper. Mr. Cooper. I set up payments through my bank, XXXX XXXX XXXX  and sent {$1600.00} on XXXX XX/XX/2019. This was my second mortgage payment. This payment was returned on XXXX XX/XX/2019 without explanation. I began receiving calls from an unknown entity claiming to have my mortgage but as I had not heard anything from Mr. Cooper I was not willing to discuss financial matters over the phone without some record of who they were. On XXXX XX/XX/2019 I googled the phone that I had been given, XXXX XXXX XXXX XXXX, and determine that XXXX was the mortgage carrier associated with that number and when I accessed their " new customer '' portal the system associated my phone and email address with me. I requested that document pertaining to my loan be sent to my email address. The pop box indicated that the documentation would be sent within two days. Having not received the documents I contacted the company by chat and was told that my payment was due on XXXX XX/XX/2019 and that I would be reported to the credit bureaus if I didn't get payment in. They indicated that they had sent documents to the physical address but in that region there are no mail carriers only PO Box and so no documents arrived. No one told me what was going on. No told me who had my mortgage or how to make payments. To this day, XXXX XX/XX/2019, I could not make a payment on this mortgage because I have not yet been provided the information to do so. They are going to wreck my credit with late payment that was not my fault. This should be allowed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and am disputing a late payment entry that has been reported by LEXUS by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/24 a certified mail to lexus and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXXXXXX XXXX, evidence of first check mailed ] to substantiate my claim and my good faith.
Product: Consumer Loan

A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.
Product: Debt collection

In XXXX, I opened a lease with GM Financial. The car was repossessed about a year later. I have since reconciled the account and closed the account. I have tried several times calling GM Financial and requested that it be removed from my credit report and it still shows on my XXXX credit report. When I have contacted GM Financial I was told by several different representatives that the account was settled and closed but they could not provide any assistance or explanation as to why the account is still on my credit report. I am unable to purchase a new card due to this account still showing on my credit report.
Product: Student loan

I provided Great Lakes CEO with Notorized Affadavit that I am denying the loan and I refuse to pay. I have evidence as a consumer of Cease and Desist letter that have been ignored. 
I have itemized over XXXX violations to Great Lakes the debt collector. 
I have received a receipt they have received my request and they have refused to comply with the Federal Laws 15 USC 1692 A
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section XXXX Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section XXXX Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section XXXX Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX I went to store Best Buy XXXX and salesperson name XXXX  pressure to check if i am eligible for store credit card and then took all my information and few minutes later announced that i approved for a credit card. When i told him that i do n't want credit card he replied t now it too late and I absolutely have accepted it. My response was I do n't want to accept it and he replied then what will happened in a future if at some point I will decide to open card they just do n't let me open card. 

This is similar to XXXX XXXX crimes.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check ( # XXXX ) for {$11000.00} to a company I did business with. This company was one of my regular vendors that Ive done business with for many years. On XX/XX/XXXX Wells Fargo bank paid the check. 
2 years later, XX/XX/XXXX ..I open my Wells Fargo app and find the exact same check ( # XXXX ) from XX/XX/XXXX has been paid AGAIN. 
I immediately called the bank to have them put stop payment and return this check, since it appears to be an obvious either mistake or fraud on the part of the bank. 
In return I was told that the check was already paid and they can no longer return it. It didnt sound convincing especially because they give you a different story when you make a deposit and they put a hold on it. Also, he said since this was a Saturday all the other departments were closed and there wasnt anything that he was able to do for me. He asked me to call back on Monday and they would take care of reversing it the check since it was obvious it was some sort of mistake on their end. He told me to give them the reference number of our conversation and theyll be able to help me resolve this issue. 
Since then, I have called atleast 10 times and spent an hour and a half each time, getting bumped around from one department to the next and no-one can give me an answer to why a check that was written 2 years ago and processed was once again processed even though it was only valid for 90 days from the original date it was written. They declined my claim twice claiming that I authorized this check. Which obviously I did not authorize it XXXX years after it had been paid on XX/XX/XXXX. 
My check clearly states that its not valid after 90 days and the federal law states it is 180 days and its been almost 2 years. ( The date on the check was the same as on the first as it was exactly the same check. There was nothing nothing altered or changed since the check was written almost 2 years ago. It was the exact same check that was redeposited and paid again from two years ago. The bank wont tell me where the money went from my account. That account ( recipient ) to whom the original check was written 2 years ago has since closed his account and his company in XXXX. 
I have been to my local branch XXXX times to address the situation with the XXXX of the branch. She has spent an hours at a time trying to get answers, and she got nowhere with the representatives. 
Today she spent another hour with them again and they said they reached their final decision and are denying the claim. She is just as confused and shocked as I am. 
I decided to file a police report. 
I am going to include the front and the back of the check that was processed twice times two years apart. Also, the correspondence I have with the bank and a copy of the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted over and over again to cancel my experience membership. However Experian makes it incredible difficult to do so. I logged on to cancel with no option to cancel ( as shown in photo ). I called in to cancel and the call disconnects itself over and over because I dont want to immediately input my social security as the first thing when Experian automated voice services requires you to do. Even if it allows you to continue to options after skipping, it still requires you to input this information before getting an agent or else it disconnects. 

Where is the option to cancel? I have to update my credit card to be charged or be denied access to my the most basic free membership. This should be illegal. You are forcing people to have a subscription they dont want.