23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from Alpha Recovery Corp saying that I still owed debt on a credit card that I had 2 years ago, I was under the impression that I had paid off that card in full, it turns out they had an old address on file so I didnt receive anything about it. When they asked me to pay I said that I would pay it this month and if I could n't pay the whole amount I would at least pay part of it, but that I would like a paper bill mailed to me and I gave her my current address. Since there are so many scammers out there, I never just give people money over the phone, I wanted proof of what I owed. The representative transferred me to her supervisor after I asked her to send me a bill, he started off by repeating most of what the previous rep had said so I said, I 'm sorry I 'm really busy right now, will you just send me a bill and I will take care of it. He started to get angry and agressive at this point and said that this account was past billing and I needed to pay my bills. I said " like I told the previous rep.. '' he cut me off and started yelling about how I needed to take care of it and would n't let me speak. I said, sir, if you 're too keep cutting me off I 'm going to disconnect this phone call. He yelled back oh you 're going to disconnect this phone call? Do you think that 's going to hurt my feelings if you disconnect this call? You 're the one not paying your debts. He was literally yelling at this point, I tried to interrupt to tell him that I have every intention of paying debts that I owe, but he would n't let me talk so I hung up. I called the number right back and got another rep, by this time I was sobbing, I have never been treated so horribly by someone who is a supposed to be a professional, I told the rep that answered what happened and also told her that I have every intention of paying my debts and also asked for the manager 's name that I had just spoken to, I could tell she felt bad, but she didnt sound surprised. I googled the company after I got off the phone and found a TON of people experiencing the same issues with this company. The one good thing that came out of it was that it ended up being a learning opportunity for my son, who was unfortunately sitting next to me through the whole thing, on how important it is to be decent human being.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Creditor : XXXX Business Type : -Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Type : -Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX. XXXX - XXXX ( XX/XX/XXXX ), XXXX. XXXX XXXX XXXX XXXX ( XX/XX/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 ( XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 
This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Checking or savings account

XX/XX/year> Re : Complaint XXXX OR NEW COMPLAINT I am at a complete loss. Ive been battling Wells Fargo about the hack from my checking account/Bill Pay account in the amount of {$1900.00} for XXXX months now. A bill pay category ( XXXX XXXXXXXX XXXX XXXX ) was added without my knowledge or consent and a payment as noted above went to a XXXX XXXXXXXX XXXX XXXX. Wells Fargo has determined that their research shows the transaction was made through a secure online banking session by you ( me ) or someone who had your ( my ) authority and that no other processing errors occurred. This is not true and WF refuses to believe me, and they refuse to acknowledge that a hacker could mimic me at my computer and make such a transaction. In my conversations with XXXX XXXX a regional manager for WF in the downtown XXXX office, on Friday, XX/XX/XXXX and again on Monday, XX/XX/XXXX, he reassured me that he believes me and understands how this could have happened. He also informed me however that the stance of WF was that XXXX XXXX was liable for this event and should be the ones to refund me my money. 
I will point out once again, that there was a second attempt to add a bill pay category to my account XXXX days later but, I received an email from WF this second time that a bill pay category was added, again a XXXX XXXXXXXX XXXX XXXX  but I saw this email and contacted WF before the money could be sent out. Ive questioned why I did not get a notification the first time, but I keep getting mixed messages that it is Wells Fargos policy that the customer be notified when a bill pay category is added, some have said this is not necessarily the case. 
I was able to talk to a representative at XXXX XXXX, no easy feat ( XXXX ID # XXXX ) a Senior Account Supervisor last week who did some research and found that the account that was detailed in my WF Bill Pay statement was under investigation for fraud. I received a call back from XXXX this afternoon, he left a message stating that XXXX XXXX was unable to refund me this money and he specifically referred me back to Wells Fargo. 
I am at a complete loss as to what to do to get my {$1900.00} back. Neither institution accepts any responsibility or perhaps accountability in this and I am out {$1900.00}. 
Please advise. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I have been contacted by several debt collection companies over the years. Regarding a credit card that they said was taken out in XXXX, and then another one from the same company in XXXX. I have repeatedly stated that I never took out such a credit card and I'm not aware of any credit card nor have I made any purchases from these credit cards. I have repeatedly asked to have information sent to me so that I can investigate. And they refuse to provide me account numbers, transaction detail. Or any identifiable information so that I can investigate and see what's going on. They just demand that I pay the debt and threatened to take me to court and charge me anywhere between XXXX XXXX and XXXX XXXX XXXX  in legal fees. At this point I don't know if fraud was done in my social or if this is a fake debt that they're trying to collect on. These credit cards have never been reported to my social security number. I have even asked for the account information. Because I filed for bankruptcy in XXXX, and I asked for information to add it to my bankruptcy, and they refused to provide the information. Again, it's very possible. Somebody committed fraud with my social because i've never had these credit cards, but no, none of these collection agencies will give me the information that I askfor and this current debt collector is relentless and calls me constantly and verbally abuses, my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I disputed with TRANSUNION the accuracy of account XXXX XXXX # XXXX. They closed the account on XX/XX/22 but reinserted it on XX/XX/22 and failed to notify me within five days of this reinsertion which is a violation of the FCRA. Please see attached document. 

This is grounds for the removal of this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete it.
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.
Product: Credit card

One of our employees took out a loan with American Express without authorization from the principles. She also used our American Express to pay her own accounts. We are currently in dispute with American Express. We do have a police report and have our credit protected. We have received new credit cards and are no longer using the credit cards that she had access too. Bank accounts as well. 
That employee is no longer working for us
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} This will be my follow-up to ensure that the accounts are validated.
Product: Debt collection

In accordance with the fair credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is reporting 3 inaccurate late payments to consumer reporting agencies- TransUnion, XXXX XXXX XXXX. In good faith I am writing to challenge the validity of all three alleged late payments from the months of XXXX, XXXX, & XXXX of XXXX. I never received my periodic statement from the months of XXXX, XXXX & XXXX XXXX days before the billing due date invoking a billing error- 15 U.S. Code 1666b ( a ). I am requesting XXXX XXXX XXXX to provide the certified tracking number used to mail all three periodic statements to the address on file. If XXXX XXXX XXXX can not supply the tracking number I am requesting in good faith that XXXX XXXX XXXX notify all three consumer reporting agencies- ( TransUnion, XXXX XXXX XXXX ) to update all three alleged late payments to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of XXXX XXXX XXXX and I do not recognize the amount
Product: Credit card

I have a credit card for a number of years and payment is ALWAYS up to date. 
On XX/XX/XXXX I received a text to XXXX XXXX XXXX suggesting that my Bank Account with Citizens bank was in defaultThis message is intended for XXXX XXXX. Citizens has an important update about your account ending in XXXX. If this is XXXX XXXX, reply YES for more information. Reply HELP for help or STOP to cancel additional alerts. 
help For assistance, please call Citizens Bank at XXXX. Text STOP to cancel additional text alerts for this request. 
bogus call since I have no checking account with Citizens only a credit card payment due XXXX of XXXX Your reply wasn't recognized. Valid options are : YES, HELP or STOP stop You have cancelled additional text alerts for this call back request to this phone number. To continue receiving alerts reply RESUME. For help call XXXX. 
XXXX For no reason the card was invalid when I used yesterday. 
Was this a ruse to suggesting I have a checking account with Citizens that I have never had and payment is made through XXXX.
Product: Credit reporting

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Bank Acct : XXXX XXXX XXXX Bank Acct : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) Equifax Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding a account with a balance of {$400.00} and its reporting to Equifax Credit Bureau . Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

We need legislation that makes it much easier for consumers to close their credit card accounts. For my Citi Credit Card, closing my account required waiting on hold for 45 minutes, being passed from representative to representative, and aggressive upsell/change your mind tactics. The line " disconnected '' twice. Require these companies to allow users to close their accounts online with a click.
Product: Checking or savings account

Navy Federal Credit Union never gave me money I reported stolen. They waited til I closed the account to issue me the letter but never gave me the money. They are stealing the money I reported stolen. I attached a photo of the notice dated XX/XX/2018. I reported over 500.00 stolen and they stole it. Recently they sent this letter that XXXX was refund or credited back AFTER I closed the account and did not receive any checks.
Product: Credit card or prepaid card

I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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

XXXX XXXX  has been reporting in account payment amount to my credit report, which is hurting my credit report .I called XXXX XXXX several time to update my credit report and there were no response. 180 days late is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach out to XXXX XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. I have false and inaccurate information on my credit report. Through the credit bureau XXXX and TransUnion.I requested that XXXX XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by XXXX XXXX. My payments were covered through the insurance policy. Which left me with a XXXX balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. XXXX XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. I also contacted XXXX  and TransUnion to inform them that there is fraud and inaccurate information on my credit report. From the creditor, XXXX XXXX. I requested that this account be removed from my credit report. XXXX  's and TransUnion investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. I requested that the method in which XXXX and TransUnion used to validate the validity of this account, be sent to me in writing. XXXX  or TransUnion never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. How could XXXX or TransUnion verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by XXXX  or TransUnion.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. TransUnion has not noted in the comment section of my credit report that I have disputed this account. Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding XXXX XXXX, that is listed on my credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with this information or delete this account from my credit report. Thank you, XXXX XXXX