23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While the person 's voice did not seem threatening, when I called to offer a payment agreement the person on the other end said he could not accept the {$50.00} per month I offered because there were government regulations. He did of course mention I could be subject to wage garnishment or a lawsuit. He said he could not work with me filling out a form. He said he would have a supervisor contact me, but I have still not received a call. I get the feeling of doom they are not working with me. I want someone to know even though I am contesting this debt I am trying to set up an agreement before I am threatened with a lawsuit or garnishment. I agree to pay XXXX per month. It is what I can afford. Please get someone to work with me. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have appearing on my EQUIFAX credit report a fraudulent a ccount, XXXX/XXXX XXXX a collection agency XXXX XXXX XXXX XXXX attempting to collect for the XXXX original creditor.I have never ordered anything from XXXX at any time and is possible ID theft or an error of the original creditor. 
These should be removed immediately from my report. 
In addition I have a XXXX XXXX XXXX acct that is paid but shows a balance on my credit report.This should also be removed.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 and XX/XX/XXXX and XX/XX/2019 I contacted XXXX, XXXX and XXXX lodged a complaint that I had inaccurate information on my credit report. The company responded. I provided the information that they requested and notified the company that I do not owe this debt. 

They refuse to remove the information off my credit report. 
Capital One Re : Saks Fifth Avenue XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. My report is showing I have a past due balance of {$1500.00} with Bull City Financial, account number is XXXX. I never done business with this company. This company does not have a contract with my signature
Product: Debt collection

My family is harassed by calls at all hours of the day ( including on weekends ) from ARS National Services, a debt collector, asking for an individual named XXXX XXXX. This person has never lived in my household. I have asked ARS multiple times for my number to be removed from this list yet I continue to get calls. This has been going on for months. I have asked them multiple times for the creditor they represent but they have refused to do so and have hung up on me.
Product: Debt collection

There is a debt on my credit report that I do not recognize from XXXX originally and now from a debt collection company. I don't have an account open with XXXX or any vehicles listed under their insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted immediately.
Product: Credit reporting or other personal consumer reports

The personal information on my file is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which has led to a breach that puts me and millions of others at risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no E-mail, letter, or phone call, and instead had to discover it via social media.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 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

I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as Coast Professional , Inc, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX  #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

A collection just appeared on my credit file which I know is NOT MINE. I have n't received anything in regards to this. Please help it is showing as Southwest Credit Systems XXXX for {$1800.00}
Product: Student loan

I unfortunately underwent a series of financial hardships and when I called the student loan servicer to lower my monthly payments I was instead offered a forbearance which I agreed to not fully understanding that by doing so I will incur over {$200000.00} in additional debt to my already over {$200000.00} in student loans which I obtained in order to be able to attend loan school. I am currently experiencing extreme hardship as I have run out forbearance options and will spend the rest of my life repaying these student loans of over {$450000.00} while not being able to afford to purchase a home for myself and save for my children 's college and other expenses and come up unexpectedly.
Product: Debt collection

every time I call the so call ed people saying I owe the this debt they keep hanging up on me.i never once received anything in the mail saying I owed the multiple debts.. and there are 2 collection agency 's trying to collect a debt from the same place it seems like everyone I check my credit new accounts pop up and places I never herd of or scene and I have medical insurance amcol systems inc {$3000.00} opened XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX  {$1200.00} opened XXXX online information {$1100.00} opened XXXX XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX {$710.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} opened XXXX XXXX XXXX XXXX {$210.00} opened XXXX XXXX XXXX XXXX  {$130.00} opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 about XXXX eastern time i called Transunion XXXXXX/XX/XXXX andXX/XX/XXXX to kindly remove incorrect personal information as far as my name and address that are on credit report which is affecting my credit score but they were being rude, had we on wait for about 15mins and they just wouldn't comply.
Product: Checking or savings account

When I opened a personal checking account and two business checking accounts in XXXX XXXX Wells Fargo Bank, NA created three debit card accounts for me when I only wanted one. I was very clear with them that I only wanted one debit card but they created three anyways. Another example of WFB still creating unauthorized accounts for their card holders against their will. I fortunately found out about the two fake accounts when trying to use the ATM Access Code feature where you can request a code to use the ATM if you do n't have your debit card. Three accounts showed up! I did n't know the PINs on two of them and I never authorized their creation. When I got home and checked my wallet and records I only had one debit card so WFB Created two fake debit cards and sent them to who knows where. 

Wells Fargo seems to be continuing their fake account practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX  XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Product: Debt collection

I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.
Product: Debt collection

I am writing to formally dispute the accuracy of the information regarding a collection account reported by Radius Global Solutions LLC on my credit report. The entry shows a debt of {$XX/XX/XXXX} related to XXXX XXXX XXXX. I believe this debt is not mine, and I am requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, I believe the collection account in question is being reported incorrectly because : Lack of Proper Notification : I have not received any written notification from Radius Global Solutions LLC regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice of the debt within XXXX days of contacting me, including details of the debt and how to dispute it. To my knowledge, this notice has not been provided. 
Adverse Action Rights Violation : I have not been given a chance to respond to or dispute this matter before it was reported to the credit bureaus. According to the FCRA and the FDCPA, I should have been informed of the debt and given the opportunity to respond before it appeared on my credit report. 
Given that I do not owe this debt, and there has been a failure to provide proper notification as required by law, I request that you immediately initiate an investigation into this matter, remove the disputed collection account from my credit report, and notify me of the results. 

Please also inform Radius Global Solutions LLC of my dispute and provide me with evidence of the debt they claim I owe. 

If this debt is not validated and removed, I will consider taking further steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office. 

Thank you for your prompt attention to this matter. I look forward to hearing from you within the XXXX period allowed by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My husband and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. I added a fifth checking account " XXXX  '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my fifth account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.
Product: Credit card or prepaid card

I have had a Southwest Credit card ( through Chase ) for over 7 years. Rarely do I keep a balance, never late or " maxed out ''. Recently, I added several authorized users ( which is allowed according to their policies ). I got a phone call from them to confirm that I authorized this and all seemed " good ''. A month later my accounts ( had an Amazon as well ) are closed. When asked why they closed my accounts they said that " too many '' accounts had been opened and the account was being used " incorrectly ''. I have " No balance '', the authorized users ( with the exception of one ) are under the age of 16, I have not recently opened any other accounts, they allowed me to add users, I have paid my bill consistently on time, I've had this account over 7 years ( in perfect standing ) and when calling to inquire I am put on hold multiple times, told to wait for the letter in the mail that will explain more as to why the account was closed and then, finally told that there isn't a manager available and someone will call me with in 24 hours. This closure was without notification has had a snowball effect. My credit is affected and embarrassment when attempting to make a purchase and the card is declined!!!! As of this writing no one has contacted me.
Product: Debt collection

" I have disputed these collections multiple times, which are not mine, and the bureaus have not responded. Sect 609 of the FCRA explains my right to have the bureaus prove these collections belong to me. '' I have disputed these and have been given zero proof that this account is valid and belong to me. I have gotten no paper work on this account and this account has essentially reached it's 7 year Statue of Limitations sunset.
Product: Debt collection

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave permission once on XX/XX/XXXX to run my credit the company ran it again on XX/XX/XXXX without my permission I want it removed from my credit report. All because I called to correct last name on my card that is not a reason to run a credit check
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which was reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received any response from TransUnion. I am providing the details of the inaccurate information and the necessary corrections required : 1. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} This account is not mine, and I request that it be promptly removed from my credit report. 

2. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX This account is not mine, and I request that it be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNKNOWN ACCOUNT # XXXXXXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Date : XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU Re : Macys billing practice/ Impact on Consumer Credit Report I recently learned of negative information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports that reflected delinquent payments on a closed Macys credit card account : specifically 30 days past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is my conclusion that a sum of $ XXXX was added to my Macys Credit Card Account as junk fees in XXXX. I am requesting that Macys correct this information to reflect no delinquency for these months. This has impacted my credit and my financial good standing. Please read the summary of events below. 

On XX/XX/XXXX, I paid off the balance of Macys Credit Card Account in the amount of {$200.00}. At the time, I was overpaying my account to ensure that I was paying off the bill in its entirety. 

In XX/XX/XXXX, I received a Macys credit card bill in the amount of $ XXXX. I had not purchased any merchandise with this credit card and could not understand where these charges originated. 

I called Macys Billing Department ( XXXX ) on XX/XX/XXXX. I spoke with a a Macy 's supervisor. During this call, it was my understanding the issue was resolved and my records would reflect that I had paid the balance in full. 

I later learned on XX/XX/XXXX that the account still reflected a balance due. I spoke with CSR, XXXX. XXXX indicated that the judgment was initially declined By judgment I assume he was referring to my prior contact with Macy 's on XX/XX/XXXX. I do not have names of the Macy 's reps that I spoke with in XX/XX/XXXX because I believed Macys was acting in good faith and that the issue was resolved. At no time was I ever called, emailed, text, or mailed any correspondence that said otherwise On XX/XX/XXXX, I also spoke with XXXX XXXX ( XXXX ). According to XXXX, she would insure that the account corrected and any fees would be waived. This was confirmed by CSR XXXX XXXX. 

After learning about my credit report on XX/XX/XXXX, I again contacted Macy 's Consumer Credit Specialist Department. I spoke with Manager, XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX. Unfortunately, neither XXXX representatives was able to give me any helpful information. XXXX ordered copies of my XXXX and XXXX statements and I must wait 7-14 days to receive this information. This is not an acceptable resolution. 

I am very disturbed about how this has impacted my credit and my financial standing! I would like this issue investigated for how these fees were generated. I would also like the negative information on all 3 credit reporting agencies removed. Thanking you in advance for your assistance with this matter. 

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

Creditor agreed to place the account on a hardship program since XXXX for {$25.00} per month, with no late fee charges, and has not reported correct payment information to all credit bureaus to reflect this information and continues to bill me incorrectly for {$40.00} late charges after stating that they would not over the phone, under the agreed upon hardship program.