23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have recordings of XXXX different poeple giving me XXXX different reasons for a XXXX. ** amount. First was a remander amount of XXXX. When I called in XXXX tobpay amount in full. My charge was for XXXX including fees and interest on the full XXXX amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this XXXX amount was said to be a bounced check ( which I am neither confirming nor denying because it was not my check. ) Also the third reason for this amount was a separate XXXX dollar bill in itself. I have these recorded and XXXX separate companies of which my medical debt was through who were told XXXX of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. I am told i will be sent one and never received one. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from XXXX who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down XXXX to start paying my debt off. I asked to pay XXXX lowest amounts first. That XXXX was not mentioned. Later it shows up.i call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness ( from who they deal with personally not me. ) Regards, XXXX XXXX
Product: Debt collection

I have a doctors bill that went into collections, I've made payments on this account and have been trying to contact them but they have been giving me the run around. Its with Ar Resources Inc.
Product: Debt collection

I was contacted this morning by CBE Group at XXXX local time to collect a debt for XXXX XXXX. I specifically asked XXXX to not call me any further regarding the debt unless we were discussing negotiations regarding its legitimacy. Yet, here we are XXXX with my cell phone ringing to a debt collector. 

XXXX is attempting to collect almost {$1100.00} for XXXX XXXX XXXX XXXX devices that were damaged from day one. I made every feasible attempt possible to resolve the issue and have the devices repaired or replaced, XXXX refused to comply ( their excuse is that Franchise locations do n't have to abide by XXXX XXXX XXXX ). The final attempt to resolve the matter resulted in a store manager rudely telling me that my issue was n't their problem and I could leave. 

So I left, not just the store, but the whole company. Obviously I was n't getting anywhere by talking to them anymore ( and I 'm still not either ). I attempted MULTIPLE times to resolve any outstanding balances with the company, they refuse to negotiate or work with me on the matter and expect me to pay full retail for XXXX broken phones. I offered to come to a fair and reasonable settlement, they wo n't have it. 

Then this morning ( XXXX ) XXXX tells me that regardless if I would have given the phones back or sold them outright, I would have to pay the same amount of money to them ... but I was wrong in selling the phones outright? 

I have informed XXXX/CBE Group that as of this moment that they are to not contact me again unless it is with a fair and reasonable settlement offer and I will gladly be taking this matter up with the necessary parties to have this debt not only settled but never posted to my credit under my Right to Redressal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 XXXX0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting and 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 an account without my written instructions.
Product: Debt collection

I rented a car back in XX/XX/2021, in XXXX XXXX. from sixth ( i have been their clients for few years ). 
I got robbed and attacked, in street the people broke the rental car. I went to the police and got a police report. 
The rental company XXXX want to charge me for broken glass but i paid for insurance and damage and i provided them the police report etc. they didn't want to discuss anything. 
I am not responsible for paying that, they should have cover broken glass, and their agent didn't TOLD ME about that, he didn't say that i was not cover for broken glass. 
I purchased the insurance cover thinking it will cover everything by my understanding of what their employee said. 
I got XXXX and lost my suitcase full of my belonging and money. that situation is bad for me and I wasn't aware of my insurance coverage details. 
Now they hire a collection company, called : XXXX XXXX XXXX - XXXX XXXX and now i see on my credit report that I owe them that money, and that not acceptable. 
I Don't owe them any money. 
Could you please help Thank you
Product: Debt collection

Sometime near XXXX of XXXX XXXX XXXX claimed I owed a debt which should have been paid by my insurance. I attempted to reconcile this debt and it was removed from my credit report. Now I have 3 items on my credit report from Phoenix Financial Services that claims the original debt is from XXXX XXXX started on XX/XX/XXXX. I have not used XXXX XXXX 's service since XXXX of XXXX. They also claim I owe three different balances of {$830.00}, XXXX, and XXXX.
Product: Debt collection

I have made 3 phone calls to the credit collection agency, CREDIT MANAGEMENT, L, advising them that my debt with XXXX was discharged as part of my chapter XXXX filing MY case number with the collection company is XXXX and I spoke with XXXX XXXX - Supervisor in XXXX MN, who promised to address the incorrect reporting but to date no attempt has been made by CREDIT MANAGEMENT, L, to remove the erroneous reporting on my credit report. The debt has been discharged and XXXX XXXX should not be trying to collect on a discharged amount.
Product: Mortgage

I contacted Ditech, my current company, about refinancing my XXXX mortgage and the service rep that I was assigned to said I qualified for a XXXX refinance. And he stated that the only documentation that I would need would be a home owner 's insurance policy XXXX page. I currently have a 3.5 % interest rate with Ditech. I only owe 20 more years, and XXXX. They are quoting me a rate of XXXX, 30 year fixed, in which I have to buy down my rate??? ( which is higher than my current rate ) and tack on {$4400.00} in fees to save a measly {$110.00} a month and pay for 10 more years than I currently owe. This makes no sense. When I look online it says XXXX rates are XXXX percent not, XXXX percent. And on the XXXX website it says I should expect around 1.5 % in fees associated with the refinance, which would only be {$1700.00}, not {$4400.00}. I have sent them several emails asking why the rate is higher than posted rates ; I have asked why they are adding in {$4400.00} in costs, and they have not responded. I do n't think they should take advantage of homeowners in this way.
Product: Checking or savings account

I'm the most recent victim on Chime Financial Inc. 

My account has been abruptly flooded with withdrawals in various amounts totaling {$1700.00}. I contacted Chime Financial customer support about the problem, the withdrawals were continuing to hit my account throughout my conversation, with each transaction ranging between {$20.00} and {$500.00}. Even though the transactions were still pending, the chime permitted the fraudulent transactions to post in my account the following day. Now I'm completely reliant on Chime to return my hard-earned money. It's been two days since I filed a claim, and they have yet to give me with any solutions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Online Information Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May 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 owned the debt. 
This letter is to inform you that I have rights to request a validation of this debt and your ability to this money from me. I asked that prove that I am indeed the party who is contractually bound to pay off this debtor 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 the promise 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. 

Sincerely XXXX XXXX
Product: Credit card

Captial one continues to charge me over the {$8.00} late fee limit cap for late payments despite warning them of why and how its occurring due to barriers in employment. I was recently charged {$28.00} and {$39.00} on two separate occasions in late fees on both of my capital one credit card accounts. 3 months at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE/CABELAS Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX XXXX : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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: Prepaid card

Paid {$110.00} for XXXX prepaid card at gas station got home tried activating it had a we ran into a issue pop up I called the number and was told I'm not eligible and now I must wait 30 days for refund sent via check that's unacceptable I should have the option of returning the card to the store or getting a ONETIME atm withdrawal to return my money as fast as they took it
Product: Credit reporting or other personal consumer reports

The following companies made hard credit inquiries that were supposed to be soft pulls. I have contacted them numerous times asking them to remove them, and they stated that they would. Unfortunately, they still show on the credit bureaus. They have affected my credit by removing XXXX points per inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX 2023 XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Miscellaneous ( XXXX ) XXXX
Product: Debt collection

There is a collection listed which is unknown to me, I have dental insurance I would not owe anything to a dental company. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax is reporting DEROGATORY which is inaccurate the following XXXX XXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with XXXX & Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( XXXX ) Account No. XXXX XXXX {$560.00} ( Equifax ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX XXXX ( XXXX ) Account # XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be XXXX XXXX  accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Revocation of Consent for Sharing Personal Information To Whom It May Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by XXXX XXXX XXXX. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The Act rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the XXXX XXXX, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with XXXX, XXXX, TransUnion, or XXXX XXXX XXXX Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by XXXX XXXX XXXX as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.
Product: Credit card or prepaid card

My name is XXXX. I live in XXXX, PA. I applied for XXXX XXXX XXXX signature credit card believing that it would provide me with 0 % foreign transaction fees as advertised. I contacted the customer service of XXXX XXXX twice before XXXX XXXX to inform them that I would travel to XXXX between XX/XX/XXXX - XX/XX/XXXX and I would be transiting in XXXX. I also verified with them that there would be 0 % foreign transaction fee. They said yes. I also told them that I would use the card to pay for my engagement celebration at a restaurant. On XX/XX/XXXX, I tried to make a purchase for $ XXXX at a restaurant for my pre-wedding celebration in XXXX but my transaction got declined 3 times. I made an international call to TD to ask them to approve the transactions. Their fraud department and customer service tried to verify me through a lot of questions and I was able to give them my social security, my address, all other questions they asked me. At the end, they told me they would not approve the transaction because They would need to call me using the number in US. I told them I am not in the US and  they could just email me. They did n't want to do that knowing that they would need to honor the 0 % they promised me. Clearly, this is a dishonest conduct from TD credit card services.
Product: Credit reporting

I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was XXXX in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.
Product: Debt collection

On XX/XX/2021, I wrote a letter requesting to only be contacted in writing with the statement that if the request was not complied with, that I would immediately file a complaint. I also requested to be allowed to validate the alleged debt and did not receive any documentation. I confirmed via tracking that the letter was delivered to their offices on XX/XX/2021. Since they received the letter, they have called and left me voicemails on 2 separate occasions. Once on the XXXX of XXXX, and again on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Experian says I have a credit freeze. I can not access my account because it requires a code that is sent to my cell phone. There is a confirmation link they send, I get that and click on it, then its supposed to send an access code and when I request it I never receive it. When I try to request a password reset it tells me the cell phone I entered is incorrect even tho its the one they sent the original confirmation link to. Its the only number I have had for 20 years. Ive tried no less than XXXX phone numbers that are either automated and can not help or it connects to a human that puts me on hold. Ive waited up to XXXX mins before hanging up-multiple times. Ive tried to upload identity verification to the link they provided-its giving an error code that the site doesnt exisit. The next and final option is to send copies of my ID, Birth Certificate, SS Card and Bank statement to a po box and wait 30 days. Im not comfortable sending those items via regular mail. If someone intercepted it they would have everything they need to ruin my identity. Id think some where that I could send something overnight would be more secure? Im trying to buy a home and this is going to prevent that from happening because no one is going to wait months to get Experian to fix my credit report.
Product: Money transfers

I made a deal via XXXX. The seller wanted to be paid via wire transfer. I contacted XXXX through " live chat '' and XXXX approved it. I wire transfered the money. XXXX XXXX, XXXX, I made the wire transfer from my Suntrust Bank accout to the seller 's account at XXXX Bank. Following the transfer the seller contacted me and asked me change the XXXX account where the money was getting transfered to. I contacted XXXX again to inform them of the seller 's request. The XXXX receptionist asked me the item 's ID number, I gave it to her ( XXXX ), she told me that they had no such item listed. I asked to speak with her superviser who aknowledged the item and the transaction and told me that it was a scam and to try to get my money back. I returned to Suntrust bank and asked to stop the wire transfer. The teller told me it was too late to stop the wire transfer ; however, for a {$25.00} fee we could fill out a form to avert XXXX XXXX that the transaction was fraudlent and try to recoup the money. We did that and are now waiting to hear from XXXX XXXX. My intent is to get my money back. Can you help me?